Tam Ngo, Financial Services Professional at Nylife Securities LLC.

Tam Ngo, Financial Services Professional at Nylife Securities LLC. Agent licensed to sell insurance through New York Life Insurance Company. These testimonials are no guarantee of future performance or success.

I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions. Neither New York Life Insurance Company, nor its agents, provide tax, legal,

or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. I am not licensed in all jurisdictions.

550 S. Wi******er Blvd., #405
San Jose CA 95128

My California Insurance license number is 4050460

Looking for a little more certainty with your money?Check out this guaranteed interest rate. Contact me today!
05/18/2026

Looking for a little more certainty with your money?
Check out this guaranteed interest rate.
Contact me today!

10 money rules that sound simple — but completely change how you see wealth:1. RULE OF 72 72 ÷ your return = how fast y...
05/13/2026

10 money rules that sound simple — but completely change how you see wealth:
1. RULE OF 72
72 ÷ your return = how fast your money doubles.
8% → ~9 years. 12% → ~6 years.
Time + compounding = everything.

2. THE 4% RULE
You can withdraw ~4%/year in retirement.
But in today’s world, 3–4% is safer.

3. THE 50/30/20 RULE
50% needs. 30% wants. 20% investing.
Good starting point… but most people should aim to invest more.

4. 100 MINUS YOUR AGE
Old rule for stock allocation.
Modern take? Think 110–120 minus your age.

5. THE 10X TARGET
Save 10x your income for retirement.
Reality: depends more on your lifestyle than your salary.

6. EMERGENCY FUND RULE
3–6 months of expenses saved.
If your income is unstable → aim for more.

7. THE 1% HOME RULE
Set aside 1% of your home value yearly for maintenance.
Some years = nothing. Others = everything breaks at once.

8. THE 28% RULE
Keep housing under 28% of income.
Just because the bank approves you… doesn’t mean you should.

9. $1K INCOME RULE
Want $1,000/month from investments?
Roughly $300k–$400k depending on how conservative you are.

10. PAY YOURSELF FIRST
Invest before you spend.
Not later. Not what’s left. First.
—
These aren’t strict rules. They’re frameworks.
The real game is simple:
Earn more.
Invest consistently.
Stay in the market long enough.
That’s how wealth actually gets built.




Address

550 S. Wi******er Boulevard #405
San Jose, CA
95128

Telephone

+14088050550

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