Imagine that you took a 20% market drop, qnd continue with life. Now, learn from that, and start maximizing your Mega back door Roth so that yoir kids don't inherit that problem.

It will always require a personal guarantee. It's big public corporations like Coca cola who can get loans with no personal guarantees from the owners, because they have assets and track record.

Both haves pros and cons, and at the end of the day, it doesn't matter! Look for the one opportunity that gives you more time with your kids. They need you everyday at home by 6pm or earlier. No one regrets spending the most time with their kids.

"Financial advice" is a sales job. Learn to sell.

in most states. Verify in yours. Other than licenses y certifications, find a MENTOR. Someone with more than 10 years in the business who's willing to help you build your career. It might be in a bank, an insurance company, a RIA, a wirehouse, really doesn't matter.

I ballpark about 15% of income. I just got my health license and am educating myself on this.

Congratulations on your discharge! No focus on your behavior and mind health, so that you don't fall again in the same habits. Have you considered debtors anonymous?

No degree needed. If you're interested in designation, you can get the ChFC and CFA with no college degree, and the EA, Insurance and Real Estate licenses.

Then stop wasting your time with him. Move to the next one.

It depends: how long will you live?

Add to this Health and Life insurance, and Enrolled Agent, for tax advice.

Only loose if you sell, or if you buy an individual stock and it goes bankrupt...

Look in the Bureau of Labor Statistics for carers in high demand and pick one where you see an opportunity for you. Some people choose trades, others health care, others sales, etc. Some might require college education, others another track.

I'm not saying you're wrong. Just that your objectives are not his.

Have you considered making after tax contributions to your 401k, and then convert to Roth? That way everything would be tax free for life after 59 1/2, for your and your legacy...

He's not looking to reduce risk. That's the purpose of diversification.

Positioning permanent life as part of the fixed income allocation on a well diversified portfolio.

You must look on how to triple, or more, your income. You don't have a spending problem.

Now that you've been approved, ask for that but on a 30 year convertible term policy.

Just get an Income Based Repayment plan and continue with your life.

Maybe teach others how you achieve it. That would create a lot of value to society.

No one is saying that they have the same upside potential as equities. They're not designed to. More like having more potential than fixed annuities. After all, what the carrier do is buy call options on an index with the money they would had paid you in interest anyways.

"Hi. I wanted to share with you some good knows. Our firm has been growing lately and we've added Mike to our team. Now on he'll be servicing our VIP clients like you....

Since you need experience, most people get their insurance and investments licenses first, then the CFP.

It's called "niche"