Stop overthinking the market and start living your life. In this episode of Replace Your Paycheck, Robert Lettin breaks down the ultimate key to investment success: Simplification. Drawing inspiration from David Bach’s "Automatic Millionaire" system, Robert explains why automation is your greatest financial ally. By automating your bills and your investments, you don't just save time—you remove the emotional "noise" of market highs and lows that often leads to costly mistakes.Robert also dives into the show’s core mission—giving your money a purpose. Whether you are earning $50,000 or $200,000, your goal is to build a system that eventually replaces your current paycheck. Learn how to set your "target," adjust for your raises, and "flip the switch" to a work-free lifestyle while getting back to those "belly laughs" that make life worth living.Thanks for Listening!#InvestingTips #FinancialFreedom #PassiveIncome #WealthBuilding #RobertLettin #RetirementPlanning #smartinvesting [email protected] the FREE Workbook now: https://lettinwealth.com/resources/https://lettinwealth.com/https://lettinwealth.com/abouhttps://davidbach.com/resources/david-bach-the-automatic-millionaire/

Stop waiting for retirement to enjoy your money. Discover how to build a portfolio that pays for your lifestyle today—from car payments to utility bills—all while you sleep.

In this "Lettin Lesson," Robert Lettin breaks down why your greatest enemy in investing isn't the market—it’s your emotions. Investing shouldn't be a source of stress or a full-time job; it should be a system that supports your lifestyle before you even hit retirement. Robert explores how a globally diversified, automated portfolio can handle the heavy lifting of "buying low and selling high" through rebalancing, allowing you to focus on what matters most.From using investment returns to cover your car payments today to the staggering cost of waiting just seven years to start, this episode is a masterclass in removing the guesswork. Plus, Robert discusses why working with the right professionals can yield returns far beyond their cost, taking the weight off your shoulders so you can finally flip the switch and enjoy your life.Thanks for tuning in!#InvestingTips #FinancialFreedom #PassiveIncome #WealthBuilding #RobertLettin #RetirementPlanning #smartinvesting [email protected] the FREE Workbook now: https://lettinwealth.com/resources/https://lettinwealth.com/https://lettinwealth.com/about/

This week on Replace Your Paycheck, Robert Lettin breaks down the ultimate investing "cheat code": Time. Inspired by a viewer’s question, Robert shifts the focus from just "having more money" to the real goal—creating a sustainable paycheck that buys your freedom so you can stop doing what you have to do and start doing what you want to do. He explores the 4% withdrawal rule, explaining how a $2.5 million nest egg can generate a $100,000 annual income. The highlight is the "Susan vs. Kim" story, a mind-blowing comparison proving that starting early is far more powerful than investing more later in life. Whether you have $10 or $1,000, it’s time to put the clock to work for you and build a tax-efficient income stream that lasts.

Just get started!

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We’re back for Part 2 with Robert Lettin and Francisco Valdivieso, and the energy is high! Today, we get into the 'meat' of investing—from why rebalancing is your best defense against market crashes. Francisco explains why you should stop thinking in percentages and start thinking in dollars (the 'sweat test'), and Robert challenges the 'hot tips' that sink most portfolios. Whether you're curious about AI, gold, or just how to survive a market downturn. Thanks for tuning in!Video Chapters00:00 – Intro: Meet Francisco from Ameriprise Financial01:34 – The Billion Dollar Question: Why a Jackpot can be a Burden03:00 – The "State of Panic": What NOT to do when you come into money04:44 – First Steps: Finding your Financial "Quarterback"05:36 – Why you need an Attorney and a Trust06:15 – Gym Buddies and Guitar Lessons: Getting to know the guys08:14 – The DIY Trap: Why your barber isn't a financial advisor10:27 – The "Replace Your Paycheck" Workbook & The 4% Rule13:22 – Would you quit your job if you won the lottery?15:54 – Portfolio Secrets: Diversification & Risk Tolerance18:11 – Why you (probably) need at least 50% in Stocks20:38 – Avoiding the "Mental Game" of Market PanicFrancisco Valdivieso, Financial Advisor in Portland, ORhttps://www.ameripriseadvisors.com/francisco.valdivieso/events/[email protected]Download the FREE Workbook now: https://lettinwealth.com/resources/https://lettinwealth.com/https://lettinwealth.com/about/

What’s the first thing you should do if you win a billion-dollar lottery? According to this week’s guest, Francisco, it’s not about buying a mansion—it’s about staying quiet and not panicking! On this episode of Replace Your Paycheck, Robert Lettin sits down with fellow finance expert Francisco to talk shop, trade gym jokes, and dive into the unexpected burdens of sudden wealth. From the '4% rule' to why you need a financial 'quarterback' to handle your third cousins, it’s a wide-ranging conversation about making your money last a lifetime. Thanks for listening!

Francisco Valdivieso, Financial Advisor in Portland, OR

https://www.ameripriseadvisors.com/francisco.valdivieso/events/

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Are you mistaking liabilities for assets? Join Robert Lettin to learn the single most important rule in finance: Assets pay you, liabilities you pay. Don't let debt steal your paycheck and spoil your dreams! We introduce one of the 32 "Lettin Lessons" from our brand-new, free 40-page workbook—available for download now. Learn how to stop accumulating payments and start collecting assets that pay you back.

Ready to finally replace your paycheck? 💰In this week's short but power-packed episode of Replace Your Paycheck, Robert Lettin shares some HUGE news: The Replace Your Paycheck Workbook is officially released!This FREE 40-page guide is packed with content, calculations, and the exact chart Robert used after leaving Washington, D.C., to determine his next move.Discover the difference between an asset and a liability with the 30 Lettin Lessons.See the "letting go" chart that helped Robert transition his career.You can get the sheets you need to do your own paycheck replacement calculations.Robert is even offering to mail a copy to anyone who emails [email protected] the FREE Workbook now: https://lettinwealth.com/resources/https://lettinwealth.com/https://lettinwealth.com/about/

Stop letting the IRS take a chunk of your retirement income! In this episode of Replace Your Paycheck, Robert Lettin reveals the critical, three-account strategy you need to minimize taxes and maximize your retirement savings. Discover: The Retirement Goal: Use the 25x Rule to calculate your exact savings target. The Account Trio: How to leverage your 401K/IRA, Roth, and Individual Account to overcome contribution limits.The Ultimate Strategy: The tax-planning trick that could make your Social Security and Roth withdrawals tax-free in retirement! If you want your future income to go to you, not taxes, this episode is a must-watch.

Thanks for tuning in.

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Welcome back to Replace Your Paycheck! In our journey to calculate and build the income stream you need for retirement, we've discussed replacing your paycheck and two of the three essential accounts you should have. This week, the third crucial component: the Personal or Joint Savings Account (also known as an Individual Account). Robert explains why this least-regulated IRS account is critical for supplemental income, offers unparalleled withdrawal flexibility, and, most importantly, provides a tax-efficient foundation by being taxed at the lower capital gains rate—a vital strategy for minimizing your income tax liability in retirement.Thanks for listening.

This week on Replace Your Paycheck, Robert Lettin tackles the Roth vs. Traditional account dilemma.

Think about this: Would you rather pay taxes on just $10,000 today... or on $100,000 when you retire? 🤔

Robert breaks down why paying a small tax now on your contribution could save you a massive tax bill on your growth later.

Tune in to learn the key to a TAX-FREE $100,000 nest egg! 💰 Tap the link in bio to watch the full episode!