Do this to make sure your dependents always have enough. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 

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View in browser Editor's Note: Chief Investment Strategist Alexander Green says that in 30 years of investing, he's only seen two moments like this before. The launch of GPT-5 isn't just another software update. It's a trigger point... the catalyst for what could be the single largest wealth-creation event of our lifetime. But here's the thing: This window is closing. If you wait, Alex says you risk missing it entirely. See what he means here. - James Ogletree, Senior Managing Editor FINANCIAL LITERACY The Surest Bet to Reach Your Investing Goals Alexander Green, Chief Investment Strategist, The Oxford Club Thirty years ago, the IRS counted 1.6 million Americans with a net worth of $1 million or more. UBS - using data from several sources - put the number at 23.8 million in 2024, a nearly 15-fold increase. What accounts for the surging number of everyday Americans with a seven-figure net worth, once the domain of CEOs and celebrities? SPONSORED Something huge happened on June 30 Google just announced a partnership that could trigger an energy market shock, supercharge the AI revolution, and save homeowners tens of thousands of dollars. According to one former Google insider, the technology at the center of this deal “could be even more important than the industrial revolution.” Click here for the full story. Three major factors: rising home values, rising stock prices, and continual inflation. Let's take a closer look at each and determine what you need to do - if you haven't done it already - to become financially independent. Let's start with the basics... I received only one piece of investment advice from my dad my whole life. When I was a 22-year-old, he said, "Son, if you plan to stay in that town, you should buy a house rather than renting." It makes no sense to throw money away on rent - which is building equity for your landlord rather than you - unless your job (or your lifestyle) requires you to move frequently. That's what most U.S. millionaires have done. Overwhelmingly, they are homeowners. They benefited from rising home prices, while renters found housing increasingly unaffordable, especially once rates started going up a few years ago. The other thing most millionaire households did was invest in stocks. No other asset class has outperformed a diversified portfolio of equities. That means those who avoided risk - by investing solely in money markets, CDs and bonds - earned much lower returns. Sure, with little to no volatility they had lots of restful nights. But they may not have a restful retirement if the money starts to run low. Those who bought a home, invested regularly in stocks - in a 401(k) or elsewhere - and held onto them for 20 years or more almost certainly have a million-dollar net worth... or are well on their way. If you did this, you probably feel a sense of pride that with work, discipline, and sacrifice you secured your family's financial future. The Washington Post sees it differently. They recently accused millionaires - in an article, not an editorial - of widening "the gulf between rich and poor." There was no mention of how some folks don't work, don't save, don't invest, or won't stop spending. That would undermine the victimhood narrative. (At the Post, personal responsibility is a forbidden subject.) But here's the rub: a million dollars isn't what it used to be. SPONSORED Yours Free! Top FIVE Dividend Stocks Right Now Marc Lichtenfeld - income expert and author of Get Rich with Dividends - is giving away his Ultimate Dividend Package... completely free of charge! You'll discover... An "A"-rated, ultra-safe dividend stock with a huge 8% yield Three of Marc's favorite "Extreme Dividend" stocks, which could supercharge your income And finally, Marc's No. 1 dividend stock for a LIFETIME of income. Click here to get the names and ticker symbols now... before the download link expires. **NO CREDIT CARD REQUIRED!** When I was growing up, the word "millionaire" was shorthand for rich. Today it's a nice, round number. But it's also usually a point on a longer journey rather than a destination. That's partly due to inflation. It takes $2.1 million today to equal $1 million in 1995, according to the U.S. Bureau of Labor Statistics. Most Americans recognize that a million dollars - while it certainly makes life more comfortable - will not provide a life of leisure. According to Charles Schwab's annual nationwide survey of 401(k) plan participants, $1.6 million is now the magic number. That's how much most feel you need to have to retire. Yet even that amount won't provide a lavish retirement. Invest $1.6 million in ten-year Treasury bonds and you will earn $67,200 a year at today's rates - or $4,200 a month after federal and state taxes. You could put the same amount into an S&P 500 index fund and - if it generates its long-term average return - it would earn about $160,000, or $9,625 a month after federal and state capital gains taxes. After taxes? Recall that you have to sell part of your holdings before you can spend them. And those capital gains rates - even long-term capital gains rates - are pesky. Of course, the vast majority of Americans don't think the rich pay their fair share. So look forward to getting fleeced and denigrated year after year. (Welcome to the club!) Of course, you could spend more if you dipped into your $1.6 million in capital. But then your future returns would be lower and - depending on your spending habits - you could run through the entire principal amount, especially with people living longer. Unfortunately, the investment return on zero is always zero. That means the surest bet is to save as much as you can, starting as soon as you can, and earn as much as you can for as long as you can. This is the safe way to reach your financial goals and to make sure your dependents always have enough. Good investing, Alex P.S. The AI land rush has begun... Get details on which companies I believe could benefit the most from this boom. Click here to learn more. Leave a Comment BUILD AND PROTECT YOUR WEALTH Forget Scanning Stocks. Discover Why Trading 1 Ticker Over and Over Could Have Produced Triple-Digit Gains Week After Week. [Watch Video] Is Your Portfolio Ready for the Gold Boom? Find Out How to Prepare Now! MORE FROM WEALTHY RETIREMENT NuScale Power: A Big Nuclear Promise at a Big Price BCE: A Telecom Giant With a 5.4% Yield Did the Fed Just Spark 90 Days of Chaos? 2 Stocks to Buy That Are Swimming in Cash Facebook LinkedIn Email Share Push Alert SPONSORED The $34 Trillion Market Most Investors Don't Even Know Exists While everyone focuses on AI hype stocks, a massive transformation is happening in plain sight: the robotaxi revolution. Marc Lichtenfeld has spent months researching which companies will dominate this space. His findings might surprise you - they're not the names you'd expect. See Marc's research before this opportunity drives away You are receiving this email because you subscribed to Wealthy Retirement. Wealthy Retirement is published by The Oxford Club. Questions? Check out our FAQs. Trying to reach us? Contact us here. Please do not reply to this email as it goes to an unmonitored inbox. 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