← So Money with Farnoosh Torabi
So Money with Farnoosh Torabi
1782: Ask Farnoosh: Midlife Investing Goals, Inheritance Strategies, and More
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Farnoosh Torabi
If you're a maintenance supervisor for a commercial property, you've had to deal with everything from leaky faucets to flickering light bulbs. But nothing's worse than that ancient boiler that's lived in the building since the day it was built 50 years ago. It's enough to make anyone lose their cool. That's where Grainger comes in. With industrial grade products and dependable, fast delivery, Grainger can help with any challenge, from worn out components to everyday necessities. Call clickgrainger.com or just stop by Grainger for the ones who get it done.
- [00:30]
Co-host or Announcer
It took a lifetime to find the person you want to marry. Finding the perfect engagement ring is a lot easier. @bluenile.com you can find or design the ring you've always dreamed of with help from Blue Nile's jewelry experts who are on hand 247 to answer questions and the ease and convenience of shopping online. For a limited time, get $50 off your purchase of $500 or more with code. Listen@bluenile.com that's $50 off with code. Listen@bluENile.com so money Episode 1782 Ask Farnoosh.
- [01:07]
Farnoosh Torabi
You're listening to so Money with award.
- [01:09]
Co-host or Announcer
Winning money guru Farnoosh Torabi.
- [01:12]
Farnoosh Torabi
Each day get a 30 minute dose.
- [01:14]
Co-host or Announcer
Of financial inspiration from the world's top business minds, authors, influencers and from Farnoosh herself. Looking for ways to save on gas.
- [01:23]
Farnoosh Torabi
Or double your double coupons.
- [01:25]
Co-host or Announcer
Sorry, you're in the wrong place. Seeking profound ways to live a richer, happier life.
- [01:30]
Farnoosh Torabi
Welcome to SO money.
- [01:34]
Co-host or Announcer
Welcome to Sew Money everybody. I'm Farnoosh Tarabi. It's Ask Farnoosh Friday and we have questions today about how to start investing in midlife when you've never ever invested before. Is it too late? Where do you start? What to do with an inherited investment? A listener in the audience has inherited about $20,000 worth of REITs, real estate investment trusts, a late parent. Should she sell it? Should she keep it? I have some thoughts and what do you do if you don't feel like you can ever buy real estate? Because, well, have you looked at any listings on Zillow? First of all, there's like six listings on Zillow right now, I think one in my town. And the bidding wars are still ongoing. Interest rates are not attractive. So if you don't see homeownership as a wealth building tool, what's the next best thing? I've got advice there as well. The big news this week, the big nerdy economic news this week was that the Federal Reserve met. And after three consecutive rate cuts towards the end of 2024, the Federal Reserve decided to take a pause on reducing interest rates. And until inflation signals much improvement, I don't think we're going to see any further rate cuts in 2025, even though President Donald Trump is insisting on more rate cuts this year. So what does that mean for us? Well, it means that those of us holding high yield savings accounts, those yields will probably for a little bit longer than we thought. You know, when interest rates come down, when the bank lending rate comes down, which is what the fed funds rate is, that trickles down into the consumer market, in the credit market and in the savings market pretty quickly. So we're going to see rates affected in the credit card industry, in the loan industry, and then also in the savings industry. It has less to do with mortgage rates. And mortgage rates right now average 30 year, about 7%. A lot of the real estate agents that I've spoken to and the real estate economy economists that I've chatted with say that there was already this anticipation that rates were going to come down last year. So what we have now is essentially a, a rate that, an average rate that has incorporated a lot of the expectation of what the Fed was going to do with rates. So any new news is not going to really impact mortgage rates. That's not great news for those who are seeking homes. But for savers, that's good news. We get to continue to have our high yields potentially in our high yield savings accounts for those who are trying to pay off debt. Sadly, this means that your interest rate is not going to get knocked down any lower. That variable rate is going to stay probably where it's at. So my quick advice for those carrying credit card debt is to look for a 0% APR credit card. That 0% is an introductory APR. I'll put some options in our show notes for some of the better known cards in that category, but essentially this buys you some time to pay off the debt without any interest, usually 18 months. You do need relatively good credit to qualify for these cards, but if you have something in like the high 600s, low 700s, you're probably a good candidate. I went on Bloomberg News actually on Monday ahead of the Fed's decision and I got a big shout out to so Money from one of the anchors which I was so flattered by. He's like, this is my favorite podcast. I'm like, are you serious? Oh, wow. This is, this is music to my ears. I said, I Hope you leave an Apple podcast review. Kidding. Not kidding. And then we went on to talk about, you know, how my audience is thinking about managing their money in 2025 with a lot of uncertainty, with, you know, worries about potential layoffs and inflation still being a concern, that one of the anchors asked me if anyone in my audience is investing in, like, alternatives like private equity and crypto. And I was like, not really. I don't think so. Right, audience? We're not doing that. We're not doing that nonsense. I mean, even if we were interested in investing in private equity, that's kind of a restricted area for investing, right? You need to be an accredited investor. It's, it's. I don't even think I can invest in private equity. I mean, it's, it's for the, it's, it's a very niche market. Well, it's Bloomberg, so. But I gave them some grace. I was like, well, this is Bloomberg News, so they're just trying to, like, talk to their audience. I get it. But no, I said, you know, we're very conscientious of things like our 401ks and paying off our student loans, investing in our careers. I'll put that Bloomberg link in our show notes. If you're interested in capturing and seeing how I navigated that interview, let's talk about what you may have missed on Sew Money this week. We had two very different interviews this week. I started the week with my friend Ann Lee Swelf, a personal finance writer, former cpa, who came on Sew Money with a deeply, deeply personal story of surviving cancer. Just recently, she was diagnosed with stage three triple negative breast cancer, all before the age of 40. So you can imagine it was very aggressive. And not long after she was diagnosed, she wrote to me and she said she wanted to come on the podcast. And for various reasons, we didn't get to it until this week. She has gone through quite a journey, and I was just beside myself that in that state she's trying to think of how she can help. Because as you learned in that podcast and that episode, she learned a lot during this year and a half battle with cancer. Not just about the medical field and her personal health and her family's health history, but also how to be an advocate for yourself when it comes to your medical care and life insurance. Ann Lees had some really important advice around securing life insurance. So if you haven't listened to episode 1780 yet, please go back and take a listen. And then on Wednesday, we learned how to AI proof our jobs before it's too late. Dan Shaw Bell, a New York Times bestselling author and workplace expert, came with some new data, some new research that he helped conduct around how AI is impacting the job market. And you know, we've done episodes on this, more to the tune of how to AI proof your resume and so on. But this, this was different. This was about how AI is sooner than later, sooner than we expected, replacing a lot of entry level jobs at big companies and even small companies, and how employers and HR managers are saying that they would rather hire ChatGPT than a junior analyst or a junior associate. And so this is not just scary for job seekers, it's also upending a lot of what college students are studying. You know, should I study business, economics? Should I study accounting? How do I AI proof my career, especially in my twenties when so much of my skill set, a lot of the skills I'm learning in college can be replicated with technology. It also raises the question of what about kids who are 10 years old right now and their future? Are they even going to go to college? Should they go to college? What should they study? Really, really F Fascinating conversation with Dan Shaw Bell. If you have a chance to listen to that, I would definitely make it part of my weekend listening A couple of quick announcements. One, if you want to learn how to invest, and I'm going to say this again in the show, if you want to learn how to invest and you haven't started yet or you just want to learn how I'm investing, I have my free investing blueprint linked in the show notes. It's always in the show notes, but I want to remind you that it's there. January is almost over. Strengthening our finances is a big to do in the new year, but by the end of the first month, you may have lost some momentum. So I want you to regain that momentum. Download the free investing blueprint. Learn how I invest. My best strategies for you, My gift to you. Secondly, if you're someone in the audience who wants to write a book, it doesn't have to be this year. But writing a book is a bucket list item. It's a personal and professional goal of yours. You want to write a prescriptive nonfiction book. I can't help you if you want to write the next Harry Potter, but if you want to write the next how to or leadership book or money book or nutrition book, you know, a book that's gonna help someone in an area of their life. I have a handful of spots open for my book to brand workshop happening in New York City live on March 7th. The early bird pricing for this workshop ends on Sunday, Sunday, February 2nd. So if you're interested, now is the time to strike so that you can get in at the lowest price possible. I'll put that link in our show notes, but if you're listening and you wanna go there right now, it's book booktobrand. Co. We gather the best from the industry from the publishing world. Literary agents, editors, publishers, recently published authors. My co host for the event is Rachelle Fredson, who is a book proposal coach. She helped me bring a healthy state of panic to market and she has helped her author clients. I think it's now 5, $6 million worth of advances thanks to her helping them with their book proposals. So it's a special event. It's only once a year. It's happening March 7th in New York City. And if you're interested, I hope to see you. If you have any questions about it, just feel free to get in touch. All right, let's hit the mailbag. First question's from Becky, who says, hey Farnooche, I love your podcast. My father recently passed away and left my sisters and I some of his investments. One of them is a reit, a real estate investment trust. I was told he opened it with $20,000 20 years ago and never touched it. It's now just under $60,000. My 1/3 will be about $19,000. The new starting rate at this firm is $25,000. So to stay, I'm going to need to invest 5,000 of my own money to open my own account there. Just wondering if you've heard of this type of investment and if it's generally a smart thing to do or can that money be invested more wisely? I understand there would also be fees associated to closing the account and cashing out. All right, Becky, thanks so much for your question. Really sorry to hear about your father's passing. Thanks for sharing your story. It sounds like he made some pretty solid investment choices that have significantly grown over time. And let's just start by summarizing what a REIT is. It's a real estate investment trust. And these can be smart alternative investments for those of us who want exposure to real estate. But we don't want the hassles of directly owning the property. And many REITs, people like them because they give you regular income through dividends. Very impressive that your dad's investment tripled in value over the decades. But I would just make sure that those gains were consistent and maybe they weren't all grouped during, you know, a very specific period of time. As you make your decision about whether to keep this investment, that might be just good context. So that's one question I would want to get the answer to. Is this REIT performing as well as it has over the last 20 years? Like in the last five years, how has it done and going forward, what's projected? You could probably look up the acronym for this REIT and get some analyst forecasts. You know, past performance doesn't guarantee future returns. If you have access to someone at this firm who would be willing to impart some advice even though you're not officially with them, you know, take advantage of that just to sort of give you a sense of whether this is something that you believe in and would want to have in your portfolio. Second thing you want to look into are the fees and the restrictions. You mentioned. One, you need $5,000 of your own money to meet the minimum to stay with this firm. Well, do you want to stay with this firm? Are there going to be ongoing management and transaction fees for keeping some of your money with this firm? I don't know if that's really the best use of your money. Something to look into. I would just want you to check that off your question list. And then the other thing to consider is how this REIT fits into your overall investment strategy. Does it help you become more diverse in your portfolio or less diverse? You know, I would never advise you to be investing in any one particular investment, not to have too much of your wealth tied up to a single REIT. No more than 10% of your overall portfolio, in fact. So if this REIT is going to make you REIT heavy in your portfolio, you might want to look at diversifying that, taking the money and putting it into, let's say, a broad market index or something that gives you wider exposure with lower fees if you decide to cash out the inherited reit. One, of course, you want to find out what will be the fees associated with selling this from this particular investment house. Hopefully it's not too high. I mean, really, the administrative work is not involved. It's just basically probably typing a couple keys on a keyboard and transferring that money into your bank account. So I would push back if they say, oh, it's going to be thousands of dollars, like it should just be a nominal fee. Frankly, they've made quite a bit of money off of this investment over the last 20 years holding it at their brokerage. So they should just charge you standard brokerage Commission fees, which are pretty minimal. They could be anywhere from 0 to $10 for most online platforms. Now let's talk about the taxes that you might owe on this sale. When you inherit something like an investment, the IRS resets its starting value, called the basis, to what it was worth on the day the person passed away. This means if you later sell it, you only have to pay taxes on any profit made after you inherited it, not the entire increase in value from when your father originally purchased the REIT. So if this REIT has only gone up $1,000 in the last, you know, since your father passed away, then you only owe capital gains on that thousand dollars. And because again, it's an inherited investment, you pay long term capital gains, not short term. So normally if you sell an asset like a stock before a year, then you pay short term capital gains. It's a higher tax than what's called long term capital gains. Anything that you sell after the first year, even if you sell this tomorrow, before the year is over, you will owe long term capital gains, which is either 0, 15, or 20%, depending on your income. So I hope my answer helps to clarify what you want to do with this money. I just want to finish by saying that $19,000 is meaningful, but it doesn't always have to be meaningful in your investment portfolio, in your stock equities portfolio. This could be something that you decide, you know what, in my personal life, I could really use this money to invest in my health, my career, my home, my family. We want to trav. I often think that with inherited investments, you might want to think like, well, what would my father or my mother or the person who gifted me this money, how would they want me to spend it? And not to guilt trip you into doing anything, but what would make them happy? You know, they would want you to do what would make you happy with this money? And it's at that point less of like a financial gain question, but more of a how can I take advantage of this inheritance and create a priceless experience around it and leverage it to afford. Afford myself a priceless experience? Thank you so much for this question and I appreciate you listening to the show, trusting me with this question. And I think through your question, you've helped a lot of people out there. 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With over a million industrial grade products and fast delivery, the product you need now is never far away. So you can turn that dishwasher back into a lean, clean washing machine. Call click ranger.com or just stop by Grainger for the ones who get it done. On a related note, I recently spoke with an audience member. We had a one on one. She was kind enough to leave me a review. So we had our scheduled one on one. And something that came up that I don't think is unique to my friend is how to build wealth when you can't buy real estate. That's a lot of us right now who want to buy real estate. We want to be homeowners, we just can't. And it's not for a lack of having even the resources. We might have savings, we might have good credit. It we're ready to be homeowners, but the supply, the inventory is just not there. And to be honest, mortgage rates at 7%, not that enticing, right? So my advice for anyone out there that's feeling like they can't get ahead because they don't own real estate or they won't be owning real estate in the foreseeable future, I would say that one, you could look into REITs, right? Real estate investment trusts. We just covered them. They're a way to get access to the real estate market to ride the ups and downs and hopefully long term gains without the the responsibility of being a homeowner. So you can look into REITs. There are also online real estate platforms, real estate crowdfunding as they're called where they pool resources from investors looking for opportunities in the real estate market. I've interviewed some of the entrepreneurs who've started real estate crowdfunding sites on Sew Money. So I'll link those in our show notes for you if you want to get more information on how to get started. What are the risks, what are the costs? And then I've said it before, I will say it again. Owning real estate, while it has worked out for a lot of Americans in this country over the generations to have property, it's not an exclusive way to build wealth. And actually we know if you look at historical charts, the growth that we have seen in the US stock market over the last 30, 40 years has outpaced the gains in the US housing market. That's on average that's across the country. So if you're looking for the best investment for your long term plan to have money when you retire, we know that stocks outpace real estate historically. For those listening who want my investing blueprint, I'm going to link that in our show notes so you can download that for free. If you want to get started with investing, you can do this with as little as $10 a week, $10 a day. You don't need to be a millionaire before you can start investing. You don't even have to be a six figure air before you start investing. You just need to be ready. Really, that's, that's the key. Next question, how do I start investing if I'm in my 40s? The number of times I hear from people about how to manage their money in midlife, I think I might have to write the book. Hold me accountable audience. I'm not kidding. I don't know what is possessing me to write another book. Authors, you know, there's a lot of PTSD after you write and publish and market a book. It's a lot. And I don't know if I can ever do it again. But once in a while you get an idea and you're like that's a book. And I think I need to write the book about how to manage your money in midlife. Because I'm in midlife and it would be a natural thing for me to write about. There's plenty of questions that need answers, one of which is how do I frickin start investing in my 40s? I feel like I'm getting a second lease on life. Maybe you've gone through a divorce, maybe you've just paid off your law student debt. Maybe you've just kind of started to make some money that you feel, you know, you have now some Runway to invest and to do things with your money that include more than just paying your bills. I get it. So specifically, the investing piece of this midlife money management, I would say that first of all, in your 40s, it is not too late. Like, I think 40 is not midlife. I mean, a lot of us are living to 100 now. And the quality of our lives also when we get to 80 years old is remarkable on average, you know, compared to a generation ago. So I don't want to scare anyone into thinking that they have to stop everything and put everything into a 401k or an IRA. That said, you do obviously have to do a little bit more than somebody who is starting out in their 20s, because we know the magic of compound interest and compound growth is that the sooner you start, the more time you have for your money to compound. And that snowball effect is just going to be so much more powerful the earlier you start. But in your 40s, if you have access to a workplace retirement account like a 401k, if you work in public service, maybe it's called a 403B, take advantage of that, make it as easy as possible. This is the easiest way to invest. Not because it's the cheapest way to invest, but because it is directly attached to our paychecks. We contribute with every single paycheck before our money even hits our bank account, our checking accounts. The money gets invested into your 401k, your retirement account, through work. Second benefit of the 401k or like investment accounts is that what you contribute up to the limit helps to reduce your taxable income today. And then third, your company might offer you a match. They'll say, hey, we'll give you a dollar for every dollar you put in. That's important for those of us in midlife and midlife ish, because we do need to play some catch up. And if there's a match, you can actually get your employer to do the catching up for you. So you do your normal 10%, but maybe with that comes an additional 5% through work. And now you're investing in such a way that meets you where you're at in life. You gotta play some catch up. So that match can be very much an effective catch up tool. If you don't have a 401k at work. The next best option is the IRA World. And the IRA World comprises mainly of two different accounts, the Roth IRA and the Traditional IRA. If you can qualify for the Roth IRA because your income is below a certain level, then I would start with the Roth ira. Your contributions in that Roth IRA and any earnings within that account grow tax free. And then your qualified withdrawals in retirement are also tax free. But I will just say that if you're only investing in a Roth IRA and this is your only investment vehicle in your 40s, and you've just started investing, I don't think it's going to be enough. I know you haven't run the calculators and I don't know your specific situation, but I would guess I would put money on it that this is not going to be, quote, unquote enough for you growing at this $7,000 contribution over 25 years. Even if you're seeing, you know, 10% growth every year, which is, is better than average investing in the US Stock market. It's not going to be like you can just retire at 65. You're going to have to keep working is my guess. So look at an additional investment account. So start with the Roth IRA. Maybe you move into a traditional IRA or you don't qualify for the Roth IRA. So now you're talking about a traditional IRA. The contribution limit in 2025 is $7,000 if you are under 50 years old, 8,000 if you're, you're 50 or older. I don't know if that's all you're investing and you've just started investing if that's going to cover you in retirement. So look for another investment account. And at this point you go and look at a brokerage account, a plain old brokerage account. You can open this up through any robo advisor that I've mentioned. It's in the blueprint. You can download the blueprint. I've listed some of my favorite robo advisors. The fee is, is significantly less to invest with a robo advisor than getting help from a financial advisor, a human financial advisor. And it's very efficient, it's very cost efficient, it's very data driven. They put you in the investments that are risk adjusted for you based on your plans, based on your adjust, based on your goals. That's how I invest. I don't overcomplicate it. But in your 40s, you can't beat around the bush anymore. If you do want to retire and not be working full time in retirement at the pace that you're going at now, you need to start investing. Your money is not going to grow enough in a high list, in a high yield savings account. It needs to be Invested in the stock market, a mix of stocks and bonds, and again working with a robo advisor. They'll figure out that mix for you. You don't have to go figuring this out for yourself. And you don't have to pay big bucks to figure it out either. I'll tell you a big secret. A lot of the best financial advisors out there, they use robo advisors when it comes to investing for their clients. Don't think that this is like a cheap shortcut. This is what the best in class use. They use the data driven automated robo advisors. A lot of them use low cost index funds and ETFs. You want to invest as cost efficiently as possible. That is the key to earning as much possible by retirement. I mean, I've got people coming to me in tears. My kids are finally in college or they're about to go to college. And now I feel like I'm going to have time to invest in me. I've given up my career, I've been a stay at home parent. I want to get back in the workforce, but more importantly, I want to have my own nest egg. My partner is very supportive, yet I still feel like I'm not independent. I need my own stash. I need my own financial identity. And I get that. I think there's no one else on this planet I want to help more are these women who have given up so much of their lives for others and now they're ready to invest in themselves and they're scared. They're scared that it's too late. Late. They're scared that they don't know enough. It's not too late and you don't need to know a whole lot the most important things. And if you stick with this show and you download that blueprint, you will get the most important things. And you do not have to wait to get started with your investment strategy and your wealth building can start today. And that's our show, everybody. That's our show. That's our episode. 1780. Oh my gosh, where are we at now? 1782. 1782. 10 years of the Sew Money podcast. And I want to just remind everybody out there that if this show has improved your life, if it's helped you implement strategies to earn more, pay off debt, invest, let me know. I want to know so I can share our stories with our audience. In some cases, people are reaching out and we're going to interview these people and bring their stories to you in a very in depth way. I mean, just last week I learned about somebody who is doing phenomenally well in a very short period of time, has paid off all of her student loans, she's got investments, and she credits this podcast for guiding her each step of the way. So I'm not going to take all the credit, but I am very proud and I'm very honored. So if you have a story like that that you want to share with our audience, an inspiring story as we celebrate year 10 of so much. You can email me FarnooShoMoney podcast.com you can DM me on Instagram and you can go on somoneypodcast.com and click on askfarnoosh. We're going to be redoing the website pretty soon. It's under construction. You don't see the construction, but I do and it's going to be really, really great. Excited for it. All right everyone, I'll see you back here on Monday and I hope your weekend is so money.
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Farnoosh Torabi
If you're a maintenance supervisor for a commercial property, you've had to deal with everything from leaky faucets to flickering light bulbs. But nothing's worse than that ancient boiler that's lived in the building since the day it was built 50 years ago. It's enough to make anyone lose their cool. That's where Granger comes comes in. With industrial grade products and dependable, fast delivery, Grainger can help with any challenge, from worn out components to everyday necessities. Call clickranger.com or just stop by Ranger for the ones who get it done.
- [32:52]
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