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Should You Exchange Your Life Insurance?

by Neal Frankle, CFP ®, The article represents the author's opinion. This post may contain affiliate links. Please read our disclosure for more info.

If you have an old life insurance policy, insurance sales people will sometimes try to talk you into exchanging it for a new one. This can happen with term or whole life insurance. There are two possible reasons for this. First, it might actually be in your interest. Second, since the salesperson makes juicy commissions when you do so, the person might be urging you to do this for their own benefit (and often to your detriment). How can you tell the difference?

It’s easier than you might think. Just listen to the life insurance agent’s sales pitch and confirm that what they’re saying is true. Let’s take a look at the typical pitch and dissect the arguments:

Note: Under IRS Section Code 1035, you can transfer the cash value of your life insurance to another policy without paying any tax as long as you do it right (one condition is that the you can’t change the insured or the owner when you exchange the policy. Another condition is that you can’t take any money in the transaction).

1. Company Safety

Your insurance person might tell you that you need to switch policies now because your current provider is in trouble.   If that’s really the case, it’s a good argument.  If you’re holding a policy where the issuer is teetering on collapse, you may indeed need to exchange your policy to a safer company. If your agent makes this argument, make sure he’s telling the truth. If after you do your own research, you confirm that your existing company is going down, you might go ahead with the exchange.

2. Lower Costs

There are legitimate cases where you can change your coverage and save money.  Very cool. I love the idea of owning inexpensive life insurance, but you have to be careful here. Let’s consider what term life insurance is and how costs are determined.

In most cases, it’s hard to get cheaper term insurance as you get older because mortality rates go up. But if you bought a policy from a shyster agent and a shyster insurance company and you’ve been paying too much for coverage, it might be possible to lower your costs with a new policy.

If that’s the case, it won’t be hard for an agent to replace the policy with a new one with lower rates. But if it was me, I wouldn’t work with an agent who sold me a lousy policy from the get-go. He or she should have known the company was overcharging.

Having said that, there are times when the insurance industry as a whole reduces rates. This happens when mortality rates go down across the board. But if that’s the case, the insurance company you are currently with might be able to give you lower rates. This is more likely to happen with term insurance rather than universal or whole life.

Very Important Note:  If you go this route, make sure the agent is giving you similar (or better coverage) for the same or lower cost.   For example, you might be able to take a great 30 year policy, exchange it for a 10 year policy, and save a bundle.  But you give up 20 years of guaranteed rates.  No Bueno.  This is an apples-to-oranges comparison and it doesn’t work.  Make sure your agent is showing you a fair comparison.

3. Higher Returns

Agents may try to convince you that you should exchange your whole policy for a universal life policy. They may tell you that the universal policy will provide higher returns but this isn’t necessarily true.  Universal might provide better returns, but those returns could also be a lot lower.   That’s because your return depends on how the investments do.  If they lose money, so will you.

But whole life provides a fixed return and people who own those policies aren’t subject to stock market risk. In my experience, this is a moot point anyway. The costs are so high with both that very few people build up any cash value anyway.

4. Convertibility

If you own term insurance, your agent may suggest you dump it to buy a different policy that is convertible. In other words, if you don’t own a convertible policy, when the term is up, you’re done. The policy goes away. If you buy a convertible term policy, you can convert it into a whole life policy. That way, you can continue making premiums and thereby hold on to your insurance coverage.

For my money, this can make sense once in a while, but rarely. If I need term insurance it’s because I realize that at a certain point, I won’t need the coverage anymore. That being the case, why do I need convertibility? And keep in mind that this added feature can be expensive. Do you really want to get a second job just so you can pay your insurance premiums? I don’t.

I just bought some additional term insurance, and the broker I deal with tried to sell me on convertibility. He told me that it would be nice for my family to have more money when I die. Nobody can argue that. But using that argument, everyone should own whole life and put all the money they have into it.  Fail.

I’m sure the agents agree with that, but I don’t. Insurance is a tool and nothing else. If you no longer need it, why pay for it? The money you spend on it is precious. There are other uses for that money. I’d rather spend on things I need rather than on convertible life insurance if I don’t need. I’ll look into term life insurance as I age if I still need it, thank you very much.

The bottom line is that if you have a term, whole life or universal life policy, there are valid reasons to exchange it for something else. But before you do so, ask the agent who is making these recommendations to prove it. I’ll end by saying that my experience with life insurance salespeople has not been good. I’ve yet to meet one who puts clients’ interests first. That has been my experience, and it clearly colors how I write about the issue of life insurance exchange. Having said that, I know there must be plenty of people who sell life insurance who are honest and put clients first. You might be dealing with someone who meets that criterion. Just make sure of it by taking the steps I outlined above.

 

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Comments

  1. krantcents says

    March 15, 2011 at 11:42 AM

    I find this true of a lot of sales people. I try to only talk to sales people who were referred to me.

    Reply

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Who is Neal Frankle

Neal Frankle

I'm a CERTIFIED FINANCIAL PLANNER™ Professional with more than 25 years of experience. I feel very blessed and hope to share my personal financial experience and professional wisdom with readers of WealthPilgrim.
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►The Direct Impact of AI on Investment Selection
►How to Profit: AI Funds for Investment

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*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

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https://ibkr.com/referral/larry410

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The easiest way to track your retirement finances as the software automatically download data from your financial institutions
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*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


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*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

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Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
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*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
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*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
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►Stop and refile, or suspend - what's the difference?<br />►Limitations<br />►If you claimed Social Security under the wrong category<br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

►Stop and refile, or suspend - what's the difference?
►Limitations
►If you claimed Social Security under the wrong category
==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

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https://youtu.be/qLiThio8khA

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https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

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5 Reasons to Stop and Restart Social Security Benefits

Retirement Crusaders May 1, 2023 9:00 AM

*Ways to generate tax-free retirement income that your accountant never mentions*<br />► Is the Roth IRSA really an advantage?<br />► How to Use 529 Pans - EVEN IN RETIREMENT!<br />► The old standby - municipal bonds<br />► Sell your house and pay $0 Capital Gains<br />► How 85% of Retirees pay $0 tax on Stock Dividends and Capital Gains<br />► Pay the lowest amount (or maybe $0) or IRA and 401k Withdrawals<br />► Why your accountant does not help you pay less tax<br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Ways to generate tax-free retirement income that your accountant never mentions*
► Is the Roth IRSA really an advantage?
► How to Use 529 Pans - EVEN IN RETIREMENT!
► The old standby - municipal bonds
► Sell your house and pay $0 Capital Gains
► How 85% of Retirees pay $0 tax on Stock Dividends and Capital Gains
► Pay the lowest amount (or maybe $0) or IRA and 401k Withdrawals
► Why your accountant does not help you pay less tax
==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLlBaUFA1MllMek44

9 Ways to Generate Tax Free Retirement Income

Retirement Crusaders April 24, 2023 10:03 AM

*Advancements in Aging - See how technology can replace human caretakers, solve hearing loss and provide close medical supervision for those living alone*<br />►50% of people age 75+ have hearing loss.  Here's the solution.<br />►Meet the Robot Caretaker<br />►See the Wheelchair that Climbs the Stairs<br />►"I Forgot to Take my Medication" - See How to Solve It<br />►How Seniors can Cut Doctor Visits by 80%<br />►Continuous Blood Monitoring- It's Here<br /><br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Advancements in Aging - See how technology can replace human caretakers, solve hearing loss and provide close medical supervision for those living alone*
►50% of people age 75+ have hearing loss. Here's the solution.
►Meet the Robot Caretaker
►See the Wheelchair that Climbs the Stairs
►"I Forgot to Take my Medication" - See How to Solve It
►How Seniors can Cut Doctor Visits by 80%
►Continuous Blood Monitoring- It's Here

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLkFPZDRBTEFLWmxB

Five Technologies to Help You Age More Comfortably

Retirement Crusaders April 17, 2023 3:00 AM

*How to Protect Investments and Even Profit from Recession*<br />►What is a Recession?<br />►How We Know a Recession is on the Way<br />►Here's What Happens to Oyur Investments During Recession<br />►Investments that Do Well During a Recession<br />►Lock in High-Interest Rates BEFORE a Recession, LIKE RIGHT NOW!<br />►Why We've Been Buying Preferred Stocks<br /><br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*How to Protect Investments and Even Profit from Recession*
►What is a Recession?
►How We Know a Recession is on the Way
►Here's What Happens to Oyur Investments During Recession
►Investments that Do Well During a Recession
►Lock in High-Interest Rates BEFORE a Recession, LIKE RIGHT NOW!
►Why We've Been Buying Preferred Stocks

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLmVjdGZRczFtcEV3

The Recession is Coming: 5 Ways to Recession-Proof Your Investments

Retirement Crusaders April 10, 2023 3:00 AM

*What Happens When Congress Fails to Raise the Debt Ceiling?*<br />►Has the US Ever Defaulted or Failed to Raise the Debt Ceiling?<br />►Last Time the Stock Market Fell 16% that Month<br />►How the Debt Affects US Dependency on Other Countries<br />►The Razor Thin Margin in Congress is Different This Time<br /><br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*What Happens When Congress Fails to Raise the Debt Ceiling?*
►Has the US Ever Defaulted or Failed to Raise the Debt Ceiling?
►Last Time the Stock Market Fell 16% that Month
►How the Debt Affects US Dependency on Other Countries
►The Razor Thin Margin in Congress is Different This Time

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLlF4UEhJUU01aTdV

How America Could Default on Its National Debt

Retirement Crusaders March 27, 2023 5:00 AM

*Why Medicare Advantage is Superior to Traditional Medicare*<br />►The 4 Problems with Traditional Medicare<br />►How to Minimize Your out-of-pocket Medical Costs<br />►Medical Care When Travelling<br />►5 Advantages of Medicare Advantage Plans<br /><br /><br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Why Medicare Advantage is Superior to Traditional Medicare*
►The 4 Problems with Traditional Medicare
►How to Minimize Your out-of-pocket Medical Costs
►Medical Care When Travelling
►5 Advantages of Medicare Advantage Plans


==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLnFLZVJvTms3MFhn

5 Reasons to Quit Traditional Medicare

Retirement Crusaders March 22, 2023 11:48 AM

*Why did SVB Bank Collapse and Could the Same Happen to Your Bank*<br />►The US is one of two countries that has no requirement for banks to maintain reserves<br />►The one thing that keeps banks safe (it's not the FDIC)<br />►Does your bank have sufficient cash on hand for withdrawals?<br />►Does your bank have adequate reserves?<br />►See this Chart--shows that bank reserves are plummeting<br />►The risk of Commercial Banks vs Retail Banks<br /><br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Why did SVB Bank Collapse and Could the Same Happen to Your Bank*
►The US is one of two countries that has no requirement for banks to maintain reserves
►The one thing that keeps banks safe (it's not the FDIC)
►Does your bank have sufficient cash on hand for withdrawals?
►Does your bank have adequate reserves?
►See this Chart--shows that bank reserves are plummeting
►The risk of Commercial Banks vs Retail Banks

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/

*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLmlLTTd1am5BUHNn

Could Your Bank Collapse Like Silicon Valley Bank (SVB)?

Retirement Crusaders March 14, 2023 5:00 AM

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*Understand These Threats of AI to Your Retirement Income*<br />►Do you own shares in the Companies That Will Get Hurt by AI?<br />►Which Companies Are Profiting Already from AI<br />►Potential Drastic Economic Impact in as Little as Five Years<br />►How AI Will Displace Workers and Further Threaten Your Social Security<br />►The Direct Impact of AI on Investment Selection<br />►How to Profit: AI Funds for Investment<br /><br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Understand These Threats of AI to Your Retirement Income*
►Do you own shares in the Companies That Will Get Hurt by AI?
►Which Companies Are Profiting Already from AI
►Potential Drastic Economic Impact in as Little as Five Years
►How AI Will Displace Workers and Further Threaten Your Social Security
►The Direct Impact of AI on Investment Selection
►How to Profit: AI Funds for Investment

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLmQ4LXBDdEVBazhF

The Threat of AI to Your Retirement Investments (and the US Economy)

Retirement Crusaders May 15, 2023 9:00 AM

*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLjVmUG0tTlB0T0VR

Retired CPA Warns: Stop Doing These 5 Things in Retirement

Retirement Crusaders May 8, 2023 8:30 AM

►Stop and refile, or suspend - what's the difference?<br />►Limitations<br />►If you claimed Social Security under the wrong category<br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

►Stop and refile, or suspend - what's the difference?
►Limitations
►If you claimed Social Security under the wrong category
==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLmY2ZTlFcWw2b0lz

5 Reasons to Stop and Restart Social Security Benefits

Retirement Crusaders May 1, 2023 9:00 AM

*Ways to generate tax-free retirement income that your accountant never mentions*<br />► Is the Roth IRSA really an advantage?<br />► How to Use 529 Pans - EVEN IN RETIREMENT!<br />► The old standby - municipal bonds<br />► Sell your house and pay $0 Capital Gains<br />► How 85% of Retirees pay $0 tax on Stock Dividends and Capital Gains<br />► Pay the lowest amount (or maybe $0) or IRA and 401k Withdrawals<br />► Why your accountant does not help you pay less tax<br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Ways to generate tax-free retirement income that your accountant never mentions*
► Is the Roth IRSA really an advantage?
► How to Use 529 Pans - EVEN IN RETIREMENT!
► The old standby - municipal bonds
► Sell your house and pay $0 Capital Gains
► How 85% of Retirees pay $0 tax on Stock Dividends and Capital Gains
► Pay the lowest amount (or maybe $0) or IRA and 401k Withdrawals
► Why your accountant does not help you pay less tax
==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLlBaUFA1MllMek44

9 Ways to Generate Tax Free Retirement Income

Retirement Crusaders April 24, 2023 10:03 AM

*Advancements in Aging - See how technology can replace human caretakers, solve hearing loss and provide close medical supervision for those living alone*<br />►50% of people age 75+ have hearing loss.  Here's the solution.<br />►Meet the Robot Caretaker<br />►See the Wheelchair that Climbs the Stairs<br />►"I Forgot to Take my Medication" - See How to Solve It<br />►How Seniors can Cut Doctor Visits by 80%<br />►Continuous Blood Monitoring- It's Here<br /><br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Advancements in Aging - See how technology can replace human caretakers, solve hearing loss and provide close medical supervision for those living alone*
►50% of people age 75+ have hearing loss. Here's the solution.
►Meet the Robot Caretaker
►See the Wheelchair that Climbs the Stairs
►"I Forgot to Take my Medication" - See How to Solve It
►How Seniors can Cut Doctor Visits by 80%
►Continuous Blood Monitoring- It's Here

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLkFPZDRBTEFLWmxB

Five Technologies to Help You Age More Comfortably

Retirement Crusaders April 17, 2023 3:00 AM

*How to Protect Investments and Even Profit from Recession*<br />►What is a Recession?<br />►How We Know a Recession is on the Way<br />►Here's What Happens to Oyur Investments During Recession<br />►Investments that Do Well During a Recession<br />►Lock in High-Interest Rates BEFORE a Recession, LIKE RIGHT NOW!<br />►Why We've Been Buying Preferred Stocks<br /><br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*How to Protect Investments and Even Profit from Recession*
►What is a Recession?
►How We Know a Recession is on the Way
►Here's What Happens to Oyur Investments During Recession
►Investments that Do Well During a Recession
►Lock in High-Interest Rates BEFORE a Recession, LIKE RIGHT NOW!
►Why We've Been Buying Preferred Stocks

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock. IBKR pays up to 4.33% interest on instantly available cash in your brokerage account (as of March 27, 2023)
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLmVjdGZRczFtcEV3

The Recession is Coming: 5 Ways to Recession-Proof Your Investments

Retirement Crusaders April 10, 2023 3:00 AM

*What Happens When Congress Fails to Raise the Debt Ceiling?*<br />►Has the US Ever Defaulted or Failed to Raise the Debt Ceiling?<br />►Last Time the Stock Market Fell 16% that Month<br />►How the Debt Affects US Dependency on Other Countries<br />►The Razor Thin Margin in Congress is Different This Time<br /><br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*What Happens When Congress Fails to Raise the Debt Ceiling?*
►Has the US Ever Defaulted or Failed to Raise the Debt Ceiling?
►Last Time the Stock Market Fell 16% that Month
►How the Debt Affects US Dependency on Other Countries
►The Razor Thin Margin in Congress is Different This Time

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLlF4UEhJUU01aTdV

How America Could Default on Its National Debt

Retirement Crusaders March 27, 2023 5:00 AM

*Why Medicare Advantage is Superior to Traditional Medicare*<br />►The 4 Problems with Traditional Medicare<br />►How to Minimize Your out-of-pocket Medical Costs<br />►Medical Care When Travelling<br />►5 Advantages of Medicare Advantage Plans<br /><br /><br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Why Medicare Advantage is Superior to Traditional Medicare*
►The 4 Problems with Traditional Medicare
►How to Minimize Your out-of-pocket Medical Costs
►Medical Care When Travelling
►5 Advantages of Medicare Advantage Plans


==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLnFLZVJvTms3MFhn

5 Reasons to Quit Traditional Medicare

Retirement Crusaders March 22, 2023 11:48 AM

*Why did SVB Bank Collapse and Could the Same Happen to Your Bank*<br />►The US is one of two countries that has no requirement for banks to maintain reserves<br />►The one thing that keeps banks safe (it's not the FDIC)<br />►Does your bank have sufficient cash on hand for withdrawals?<br />►Does your bank have adequate reserves?<br />►See this Chart--shows that bank reserves are plummeting<br />►The risk of Commercial Banks vs Retail Banks<br /><br />==================================================================<br />*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  <br />*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*<br /><br />====================================================================<br />Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:<br />====================================================================<br />*Interactive Brokers*  <br />We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock<br />https://ibkr.com/referral/larry410<br /><br />*Quicken*<br />The easiest way to track your retirement finances as the software automatically download data from your financial institutions<br />https://quicken.sjv.io/c/3553828/913177/11856<br /><br />*SeekingAlpha*<br />If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.<br />https://www.sahg6dtr.com/BXCXC4/R74QP/<br /><br />*Watch These Related Videos:*<br /><br />👍 Why Congress Needs to Cut Your Social Security Benefits<br />https://youtu.be/Me0q_qjQ2yk<br /><br />👍 3 Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last<br />https://youtu.be/Ltb2GtDIGTA<br /><br />👍 Three Best Dividend Stocks for 2023<br />https://youtu.be/HIjaOmFzpjw<br /><br />👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs<br />https://youtu.be/7J0pdgaYnNA<br /><br />👍 Fix Your Retirement Finances - Use the Bucket Strategy<br />https://youtu.be/AVRItboxE7Y<br /><br />👍 How to Recession Proof Your Investments<br />https://youtu.be/Qq1m16_Povw<br /><br />👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early<br />https://youtu.be/2c-lDFZPtOQ<br /><br />👍 Retirement Planning at 55 - Steps to take with 10 years to retirement<br />https://youtu.be/qLiThio8khA<br /> <br />👍 Retirement Age--at what age can you retire? How to figure it out<br />https://youtu.be/uU-6gJL1XfI<br /><br />No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Why did SVB Bank Collapse and Could the Same Happen to Your Bank*
►The US is one of two countries that has no requirement for banks to maintain reserves
►The one thing that keeps banks safe (it's not the FDIC)
►Does your bank have sufficient cash on hand for withdrawals?
►Does your bank have adequate reserves?
►See this Chart--shows that bank reserves are plummeting
►The risk of Commercial Banks vs Retail Banks

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/

*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLmlLTTd1am5BUHNn

Could Your Bank Collapse Like Silicon Valley Bank (SVB)?

Retirement Crusaders March 14, 2023 5:00 AM

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