Savvy Wani

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When it comes to investing, many would automatically default to stocks because of their exciting nature. As a financial ...
09/14/2021

When it comes to investing, many would automatically default to stocks because of their exciting nature. As a financial professional who has served in the life insurance and annuity space for over a decade, I’m more risk-averse and would prefer guaranteed products that offer more security. Examples are Cash Value Life Insurance that offers a guaranteed floor and Guaranteed Income Annuity that offers a guaranteed income stream in retirement.

Definition of guaranteed products: Financial products that provide guarantees in a variety of aspects such as rate of return, amount of income it will produce, and/or other benefits. Guaranteed products are meant for the long term - money you set aside and forget about it (until a way later date like retirement)!

When someone takes over the screen while I’m the host/speaker and starts writing sh*t, like an equation or something. I ...
09/09/2021

When someone takes over the screen while I’m the host/speaker and starts writing sh*t, like an equation or something. I would slowly shut down my laptop and call it a night. Ain’t no time for crap at 8pm.

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Retirement Fund Goals for 30, 40, 50 & 60!Age 30: You get to your 1X annual salary retirement fund by beginning saving a...
09/07/2021

Retirement Fund Goals for 30, 40, 50 & 60!

Age 30: You get to your 1X annual salary retirement fund by beginning saving as soon as you start working. Many young professionals don’t sign up for a 401(k) in their 20s, which is not so wise because they’re forgoing the potential free employer match.

Age 40: As more raises happen you’re getting a higher salary, don’t let your spending increase commensurate with your new salary. What’s commonly seen is people can’t improve much on their financial condition because they spend all they make, even when they’re making more.

Age 50: Downsizing and cost-cutting are the themes as some may have children moving out and many can be reassessing your needs prior to retirement. If you feel like you’ve fallen behind on saving, most retirement plans allow “catch-up contributions” once you hit 50.

Age 60: Timing of retirement matters, and it matters even more if your retirement assets are focused in the equity market. Moving your assets to more secured investments and diversification with guaranteed income products can help.

Media often portrays a millionaire as someone who dresses in an expensive outfit, drives a Lamborghini, and lives in a m...
09/04/2021

Media often portrays a millionaire as someone who dresses in an expensive outfit, drives a Lamborghini, and lives in a mansion. However, in reality, most millionaires are ordinary people who live next door to you, who you see at work, and whose children go to the same school as your children. These are regular, hardworking, everyday people, and they build wealth over time by intentional planning and executing their plans.

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#人不可貌相

Although the term HENRY first appeared nearly 20 years ago, it is still if not more relevant today. There are many mille...
09/02/2021

Although the term HENRY first appeared nearly 20 years ago, it is still if not more relevant today. There are many millennials who make between $100,000 and $250,000 but still feel broke. Millennial HENRYs live a lavish lifestyle, but when combined with student loan debt and living costs, they are left with very little to save. 🤯 Do you have HENRY syndrome?

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Sometimes people might associate personal budgeting to being on a strict spending lifestyle. That’s not the case at all!...
08/31/2021

Sometimes people might associate personal budgeting to being on a strict spending lifestyle. That’s not the case at all! Budgeting does not mean you can’t have fun with friends, enjoy hobbies that bring you joy, and many more!

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If you happen to be one of the luckiest people to earn a degree without incurring student loan debt, take full advantage...
08/28/2021

If you happen to be one of the luckiest people to earn a degree without incurring student loan debt, take full advantage and start saving young. Don’t blow your discretionary income on luxury bags & expensive cars and be whining you can’t save anything by the end of the month. I belong to a community where many of us don’t have student loan debt because of our parents’ diligent planning and generosity. Study shows 70 percent of Asian parents provide financial assistance for higher education, with a quarter paying for half or all of college. It’s part of the culture that we truly benefit from, but what happens after you get out of school matters too, if not more.

Did you know? 70% of millennials are living paycheck-to-paycheck, a larger share than any other generation. If you’re st...
08/26/2021

Did you know? 70% of millennials are living paycheck-to-paycheck, a larger share than any other generation.

If you’re stuck in that cycle and believe it’s never going to change and it’s the way it is - that’s a dangerous place to be. Knowing there’s ALWAYS a way to change. Budgeting is one of the ways.

When I realize…What I earn vs. what I actually take home 😱 —
08/21/2021

When I realize…

What I earn vs. what I actually take home 😱

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When life gives you lemons, make lemonade. When no one shows up to my meeting, I take a bunch of selfies and make a post...
08/17/2021

When life gives you lemons, make lemonade. When no one shows up to my meeting, I take a bunch of selfies and make a post. Never let full makeup go to waste 💄

Mind Blown Fact!! Did you know that the average monthly spending of an American is $5,102?! That sounds like a lot to me...
08/14/2021

Mind Blown Fact!!
Did you know that the average monthly spending of an American is $5,102?! That sounds like a lot to me, but when I see the breakdown it kind of make sense. What do you think?

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Have you thought about your financial needs? With the help of this financial pyramid and YOU keeping yourself accountabl...
08/12/2021

Have you thought about your financial needs? With the help of this financial pyramid and YOU keeping yourself accountable you can slowly achieve your goals.

20-30
Defensively plan for yearly goals to build the foundation of the Financial Needs Pyramid.
Foundation consists of protecting what you earn, what you own, what you owe and those you love.

30-40
Actively plan for the wellbeing of you and your family’s future. Depending on the needs, your household planning should include but not limited to major purchases such as a house, retirement, savings for your kids and emergencies.

40-60
Aggressively plan for retirement by diversifying, maximizing qualified plan contributions, and overpower inflation.

60+
Progressively plan for passing along assets, planning includes estate conservation, charitable giving, and business continuation planning.

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