All right, trigger warning. Are you ready? Retirement investing. Yeah, two words that can

instantly send people into a complete spiral. But listen, it doesn't have to be that way.

So today I'm going to make things very simple and share five numbers that you need to know when it comes to investing and your retirement. And don't forget to subscribe

and share this video with a friend who may love it. All right, we're going to talk through

some numbers when it comes to retirement investing. And the first number is 15%. Okay, this is your

goal. It is 15% of your take-home pay going into retirement. So that is

going to be your goal. Now, before you do that, I want you to be completely debt-free, everything

but your house, and to have a three-to-six-month emergency funds set aside. Okay. So those two

things need to be in place because when you're trying to do a

bunch of things and that's what most people do, they're like putting some percentages into retirement,

usually like five or six percent here. You know, they're trying to maybe like keep up with some debt,

maybe try to pay it off, trying to save for something here. I mean, they're trying to do like 18

things at once with their money and you just don't make a lot of progress when you do that. So what we have found is if you actually pause retirement investing, pay off all of your debt, which will take on

average around two years, then get an emergency fund, a fully funded emergency fund at three to six

months of expenses, then go press play on retirement. And instead of just the four, five, six percent,

but some people do, 15 percent, which can seem like a lot,

but it actually catches you up on the times you've paused and is going to give you plenty of

money at retirement. And so when you look at this 15 percent, a couple things to remember.

If you do have an employer match when it comes to your 401k, their contribution does not count. Let's say

they match you 5%. So 15%, take minus 5 of your money, then you have 10% left. The 5% that they match

you does not count in this equation. So when you look at it, your 401k, Roth IRA, all of these

are great options when it comes to retirement.

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