➡ Chinese hackers have reportedly breached the computers of US Treasury Secretary Janet Yellen and two others in a wider agency attack. Meanwhile, financial advisor Carlos Cortez discusses various market updates, predictions, and retirement strategies on his podcast, Scriptures in Wall Street. He also shares his thoughts on the political climate, the Florida housing market, and the potential for market volatility with the change in office. He urges listeners to prepare for potential financial changes and to consider his retirement planning guide and book, America First Retirement Plan.
➡ The speaker discusses a variety of topics, including political changes, financial markets, and the potential for innovation in global health. They express concern about the future, particularly regarding the economy and the potential for a financial crash. They also discuss the real estate market, the demand for rental properties and storage units, and the importance of planning for retirement. The speaker suggests that investing in certain areas, such as the NASDAQ and storage REITs, could be beneficial, but also warns about the risks of investing in volatile markets like Bitcoin.
➡ The text discusses the volatility of the Bitcoin market and advises against investing unless you’re prepared for significant losses. It also suggests that Bitcoin could reach high values in the future. The author emphasizes the importance of having multiple investment strategies, including real estate, life insurance, businesses, and stock portfolios. Lastly, the text introduces the concept of leverage ETFs, which can potentially double your returns, but come with high risk and are not suitable for those seeking to protect their principal.
➡ The speaker discusses the potential of investing in SPUU, a fund that doubles the S&P 500’s returns, to build substantial wealth over time. By using a compound interest calculator, he demonstrates how investing a certain amount and adding to it monthly can result in millions in 25 years. He emphasizes that this strategy works regardless of market fluctuations and encourages people to start investing, regardless of their age or financial situation. The speaker also mentions his personal motivation to help others improve their financial health and briefly discusses the importance of perspective in relationships.
➡ This text emphasizes the importance of appreciating our wives as gifts from God, and the challenge of loving others, even those with differing beliefs, as we love ourselves. It encourages us to strive to be good husbands and men, and to seek guidance from religious teachings. The speaker also invites listeners to support his journey and business, and offers financial advice services.

Breaking just moments before our show, Bloomberg reporting that Chinese hackers have infiltrated the computers of the US Treasury Secretary Janet Yellen and two of her lieutenants quote, as part of a broader breach of the agency. I’ll leave it there. I just will say one last word, which is this is, I hope this is my last time at this podium, at least for a little while. I don’t mean that in a negative sense. I mean the only thing that would bring me back is an unexpected event in the next few days, which as you all know is totally possible given everything you’ve seen over the course of the past years.

Hey guys, Carlos Cortez here with another episode of Scriptures in Wall Street. Man, so much stuff going on before I get started. Definitely. If you have a second go to rumble, type into my name Carlos Cortez or Scriptures in Wall Street. And I would be honored if you can follow us like and subscribe. That’s all I ask. I, I just want to be able to keep on continuing to do this, bring market updates, bring my opinion for those that of you that actually care. If not, that’s cool too. Then keep trolling and scrolling. All good. But we’ve been doing this for a while now and I love, I love just bringing just content and some ideas and what you should be doing going to 2020 single quarter, talking about the feds and the lower interest rates.

Are they lowering interest rates? What is really going on? Some of the predictions on Bitcoin and some of the predictions on the bank as well as the S P. Is it going, I mean, look, The S P500 keeps on going up, right? When’s it actually going to cool off? Well, we’re going to have a conversation on that. What do we do with our stocks? What do we do with our mutual funds? What do we do with our 401ks? Like, are we legitimately trying to retire this year? For Those who are 65s, maybe you’re 70, maybe if you’re retired.

How do we stay retired? And it doesn’t make sense to be vested in the market. Maybe if you are, maybe it’s a 50, 50 deal. What are you going to do with the 50% in cash? Like you’re getting even eroded by inflation? Well, are they going to bump up inflation now that Trump is in? Well, there’s a lot of variables going on. And before we even talk about solutions, before we even get into that, they straight up moved Trump from an outdoor situation to an indoor situation. How does that make you feel? Like I’m like petrified because the security is going to be extremely high and they already tried to kill this man, not just once, but multiple times.

And now we’re going to be confined into an indoor area. So it is it man. Something’s not sitting right and I feel like there might even be a distraction away, right, to cause a, a distraction, a terrorist attack or, or something. I, I just can totally see that happening, like some crazy attack away from Pennsylvania Avenue to, to you know, create this distraction and then something actually really happens in ground zero. So anyways, I don’t want to think that way, but my mind is going that way. So before I get started, I want to say my disclosure here.

For those of you that are listening in. You already know everything on this podcast is for information and education purposes only. I am a financial advisor but do not take this as investment advice. There now if you would like investment advice, give us a call. 813-44-8-3446 or visit us online at corteswm.com you can download a free guide at americafirstretirementplan.com we also wrote a book, our book, America First Retirement Plan. All you gotta do is give us a call if you are a client. If you would like a copy of this book then let us know, email us and give us a call.

I can’t give free books out to the whole world, but I will give you a book, a signed copy book if you just have a conversation with us. We want to help all God fearing patriots in their retirement going into 2025. In this book we talk about how we can defund the woke agenda, how to keep your money away from the CBDCs, how to protect your principal, and different strategies that may educate you to give you a retirement that could grow while you’re pulling money away, while that you are, are enjoying your retirement or saving for retirement, you have the ability to have an account that can collect interest.

Also have the ability to pull from and still have a stable retirement that is honorable for you in the eyes of your family, your values and in the eyes of God and in the eyes of America. So that’s why I called it the America First Retirement Planning Guide and Book. And it’s been a big hit. It’s been a big hit for all of our listeners. Sent a copy to Stu, even Mike Lindell, Joel Oatman, just some other big hitters out there and I’ve all, I’ve gotten some great feedback on it. So it’s been great. With that being said, guys, what are Your thoughts on.

On this weekend? Are you excited that we’re getting rid of Stupid Face Biden? Exercise the demons. This house is clear. So those of you that no, I drive a lifted truck and I didn’t. I. This is a, this is a rookie mistake here. But I didn’t know anything about cowboy boots. I also wanted a pair of boots and I recently got some boots and I didn’t know I. I was in a boot barn store here in Tampa and I didn’t know that they had like different obviously, you know, I love sneakers. So I’m thinking, all right, I’m a size 11 and well, the size 11 was too big, but my foot didn’t fit right and I didn’t understand like, what is going on.

Like, I’m a size 11 but I can’t fit in the boot. And the lady said, well, you should go down a side and just go wider. I said, really? She said, yeah, yeah, you have more breathing room and, and you can fit, you can fit your foot in. So I actually had to go wider and smaller. And here are my cool boots. Some. Some areas I think they go pretty well. My lifted truck. But yeah, yeah, we. I’m wearing boots, man. It’s. It’s cold out. It’s cold. So we, we’re down in the 30s here in Florida.

40s as of recent now is creeping back up to 70s and 80s. But this Arctic blast is hitting Florida and you know, I could take the heat where, you know, I’m from, up, up north in North Carolina. I could take, you know, I could take the cold, but not like I used to. Now I couldn’t take the heat when I was up there. So when I’m down here, for those of you that actually come down here, the heat is unbearable. Like, it is bad. It will bring a lot of. It’ll make you nauseous, it’ll just dehydrate you and you really don’t want to go out.

So Floridians, we stay indoors during summer and then we forget how cold it is and, and we can’t just take the cold anymore. Our blood, blood thins out. So it’s pretty interesting. We got fire going on throughout all of December, January, and then it starts warming up in February. It gets hot in March. But all these people have been running to Florida the past few years and they cannot believe how cold it is down here. And then they’re going to get smacked with the heat. So people are leaving Florida like crazy. Not just the crazy weather, but also the prices, like the Homes are terrible, ridiculously expensive.

Just overpriced. Like, like the market, the market, the overall stock market’s overpriced. We all know that. And it’s, it’s scary. It’s scary. And we’ll talk about that in a second. But yeah, Florida is, is a great state. I’m hearing that Byron Reynolds is going to replace DeSantis, which would be an amazing win for Florida. I love Byron and I just really, really think that would be a really good replacement. So personally have friends close to him and I just know he’s a stand up dude. So we’ll see what happens. You know, going for Florida and the governor situation as DeSantis basically gets pressed out or termed out, I would say, but I’m just excited, man.

We got a change in the office. What I’m not excited about is the dirty laundry process. Like we have to air out the dirty laundry and there’s going to be some volatility. The reason why I say that I’m not too excited because there’s many of you that haven’t done anything. There’s many of you that are just kind of stuck. Maybe you have a personal relationship with your advisor, maybe you’re just kind of stuck in your old ways. But the call is coming, the call is coming soon where the time window is not going to be there anymore.

The volatility is going to be tremendous. Trump, day one, will get in office and he will put the tariffs in place, he will put the border in place. He will, he will basically undo what Stupid Face has done for the past four years. And honestly, I don’t know if Trump can do all this in four years. Like it’s not enough time. So it’s, it’s going to be crazy. So it has to, it has to continue with the Trump Vance type of campaign. And because there’s just so many things from the pharmaceuticals to the border to the financial markets to the world issues, to the banking, the mortgages, the inflation.

I mean, there’s fentanyl crisis, the military, the AI. It is CBDCs. There’s so, so, so much, not even, not even talking about what Bill Gates wants to do, like his Luciferian agenda, like protecting America from his agenda. Have you met with Donald Trump since the election? Yes. Yeah, I had a chance to go have a long and actually quite intriguing dinner with him. What did you discuss? What was intriguing? Well, we touched on a lot of things. It was over three hours, to my surprise. It was just he and I, his chief of staff, Susie Wiles, and the person who helps manage things for me, Larry Cohen.

So the four of us sat there and it was quite wide ranging. You know, global health’s the area that I work in and such amazing things have happened and can happen there. I spoke a lot about HIV and that the foundation’s literally working on a cure for that. We’re at an early stage. And so, you know, he, in the COVID days, accelerated the vaccine innovation. So I, you know, was asking him if maybe the same kind of thing could be done here. And we both got, I think, pretty excited about that. We talked about polio where, you know, we’re very close to getting that done, but if you, if you stop, it’ll spread back.

And so I explained why it’s been tough in Pakistan, Afghanistan. We’ve had cases show up in Gaza, we have cases in Africa. And he was fascinated to hear what he could do to maximize the chance that during the next four years that incredible milestone will be achieved. I felt like he was, you know, energized and, you know, looking forward to helping to drive innovation. You know, I, I was, I was frankly impressed with how well he showed a lot of interest in the issues I, I brought up. So he wants to cure hiv. Guys, he’s not doing this because he, he, I, I, he’s not doing this because he’s a good person.

He, he’s not doing this. I mean, that’s the mask, right? That’s the mask he’s wearing. He’s doing this because he wants the power. He wants the power. That’s what this is. And we all knew that he flew down emergency, emergency flight all over to Mar a Lago and meet Trump for dinner. And you know, the P. Diddy list, it’s, it’s funny how all these fires all over LA and no one’s talking about, I mean, we’re not even talking about the attempt on president’s life. We’re not even talking about that anymore. And quite frankly, we’re not even talking about P.

Diddy list, talking about fires. That’s what we’re talking about. And we have an inauguration on Monday. America is going to change. Are you ready for that change? Is your retirement ready for that change? We’re not even, we’re so distracted by the media in our phones where we become zombies of what is actually really happening right in front of us. It’s incredible, man. Absolutely incredible. So as I said before, guys, the NASDAQ is technology based and the historicals on a Nasdaq are impeccable. 2024 did 28%. 23. It did a 43, 22, a 33, 21. It did 20, almost 21 and a half percent.

20%. 2019, 2018, it lost 3.8. These are actual real numbers of the Nasdaq. Imagine getting a hundred percent of these returns. Actually 120% of returns in your state, except for north, my home state, North Carolina, where I’m from, even though I live in Florida. But in your state, any other state besides New York and North Carolina, we can get you a hundred percent of these returns at no cost to you. There’s no risk. So when I say that you can actually benefit from a Trump boom, this is what I’m talking about. The only thing that you need to worry about is that you can’t have access to more than 10% without penalty, like a CD.

But your, your, your principal is fixed. Your principal is guaranteed by an A rated carrier that is not embedded with the fdic. That is not a stupid FDIC product. By the way. For those of you that don’t know when you have a FDIC product, you are basically an allegiance and agreement with your banking laws saying, you can take my money, Mr. Bank, I no longer own it. I’m just a beneficiary of it. And I get, as a beneficiary of my own account, I get to withdraw. Only if you’re okay with that. Does that sound fair to you guys? Well, that’s what the banking industry is.

When you sign your paperwork for a new account agreement, adoption agreement, call it what you, you want, the privacy statement, all these agreements that you sign, you’re basically forfeiting your right to own the money you have. The only option you have is to withdraw it. And so don’t get me started with CDs and certificate of Disappointments. That’s even worse. Having access to this 100% of these returns with all the reds, the negatives, you get a zero. Guys, this is going to be the future. So this is what I’m talking about, guys, is like you have, you have access to this nasdaq, the, the accounts that are available now.

There’s no need to risk all of your assets into an account or into an environment that we don’t even know where we’re headed into. I do, I believe a crash is coming. Yes. But right now the momentum is so hot, the momentum is so aggressive, it is still going to go up. But as in the inflation, the newer inflation does comes in, the data comes in and they say, hey, we’re not going to lower interest rates, then we’re going to have a problem because the markets are not expecting a rate hike. The markets are not expecting inflation to go up.

The markets are not in expecting for more rate hikes on mortgages. There is a huge, huge crisis in mortgage demand. Like people can’t get mortgages right now because their income is not keeping up. And the prices are astronomically high, especially here in Florida. And so banks aren’t lending out, they’re having stricter requirements. Jobs are not paying as much. So people aren’t qualified for mortgages nor do they want to pay an exacerbated price on these homes. So the demand for mortgages are terrible and rental properties are going to be massive. I read a statistic today the other day, it was about like 70 million apartments will be built in the next 10 years, something crazy like that.

And so the demand for apartments is going to be skyrocketing. Like the demand for storage units in your city. Like go ahead and drive down main and main off your highway, get off the main street. I guarantee on to you that you will see a storage unit being built. And they’re not just like a one level. These are like two, three, four, five story buildings. And what the reason why they do that is because it’s cumbersome to move all of your storage stuff from the third and fourth level. And so no one will ever get upset if they increase your storage unit by a dollar or two or five dollars a month.

You’re not going to take all your junk and put it in another storage unit. This is why storage REITs are a great investment, because they’re recession proof. And no matter what volatility, military’s on high orders, their divorces are high. Business owners can’t afford properties or showrooms, so they put stuff in storage units. So there’s so much demand for storage units, it’s insane. Like they can’t even keep up with it. And so when we have this volatility so high, storage units do well, but the focus is your retirement. Like what are you seriously doing? Are you okay with losing 40, 50% of your money if it’s in a 401k? Like I’ve talked to millions of people, seriously, like hundreds of people, and it feels like millions.

But yeah, I’ve talked to over thousands and thousands of families over the course of my 20 years doing this. And I just ask them like, okay, so what are you, why are you in this stock? Are you wanting to make 20, 30% returns year by year? Like just buy Bitcoin and just have 40% volatility. I mean, it’s averaged over 35% over the past 15 years. So you can buy bitcoin, there’s going to be cycles, there’s going to be up and down cycles. And that’s what I was saying last podcast, is that bitcoin will go down short term.

And then I got called, oh, this guy doesn’t know. He’s talking about, well, dummy, bitcoin does go up. It is going up. But there’s something called bear market rallies. So until you don’t understand that, then don’t say stupid comments like that, by the way. So, yeah, there is going to be volatility in a bitcoin market. It will hit a certain high and it would tank 40, 50%. This is a natural bitcoin cycle. Do not get into bitcoin. And obviously this is not investment advice, but do not get into bitcoin if you haven’t already have by now, you’re going to get hurt.

And do not get into bitcoin unless you’re okay with 40 to 60% drawdowns. Don’t do it. Just don’t do it. But for those of you that are holding it for five, 10 years, I, I really believe that bitcoin will go to half a million dollars in five more years. It could even go to a million dollars inside of 15 years. And that’s not hogwash. There’s plenty of data to support that. But, but yeah, this year we should see that cycle. I mean, we should see that aggressive pullback. And I’ll be waiting for it and I’ll be talking about it.

So in regards to retirement, there’s investment planning and there’s retirement planning. So we don’t buy our bitcoin for retirement. We don’t buy Nvidia stock for our retirement. We don’t buy Tesla for our retirement. Yes, you can build retirement and capital appreciation and slide it over into retirement, but for money purposes, investment only purposes, you have to figure out, hey, I want this to be my growth account. And Maybe it’s only 20% of your liquid assets. Maybe it’s, I don’t know, a portion of your assets. Maybe they were like me. I just want everything in growth mode and I can care less if it’s 40, 50% volatility.

I’m just going to keep adding into it. There’s other strategies for that. I’ll talk about that here in a second. But for those of you that are looking to build wealth, there are some easier ways to do that, if you are committed to saving on a monthly, monthly basis, again, you just need volatility, which we’re going to have. But for those of you that are just trying to protect your retirement and build a retirement, there are safer ways. And like I said, we can track the NASDAQ index which has just been phenomenal over the past 30, 40 years getting 20, 30% returns in this index with no fees, no risk to your principal.

The only thing you have to do is watch out not to take over 10% a year because they’ll penalize you. But for those of you that are maybe 40, 50, 55, 60, and you want to put money away for, for an example, my wife and I, we put a hundred grand away into an index like this. It is supposed to be worth over $4.2 million in 19 more years. My first year made over 15%. Pretty standard. And these indices are available at no cost to you. No annual fees, no risk and you really don’t even need a lot of returns.

But some of the products that are available now for clients are just insane. Like so powerful, so transformational because the big red money banks don’t have access to it because they don’t make money off of these type of accounts. And as a broker, as a, as a stockbroker for over 15 years, I can tell you from firsthand, they do not want their clients, a whole industry, a whole world, they do not want the, the financial advisors to have access to non security products. I mean that’s just the truth. They want us to be in communism like most financial advisors have to sign up their life for communism and, and be at the edicts of what FINRA says and what all the financial regulators say.

And we don’t even agree with most of the stuff they say because it didn’t even pertain to us. Because then, then they’re funding this crazy agenda that goes against our faith and our beliefs and we’re supposed to do what they tell us to do and hire other people that tell us what to do. It is the dumbest thing ever and unfortunately all of America gets hurt for it. Man, don’t get me started on that rampage. But so I want to say something real quick for those of you that are trying to build wealth. One cool. And this might be for the younger crowd, this might be for someone that started late, but there is right now, I’ll tell you what I just did like yesterday.

And of course it’s not investment advice. This is not investment advice. This is just me speaking information Purposes only. So for those of you that are trying to build wealth, I want to share something here. Now, this is for information purposes only. This is not investment advice. All right? So one of the things that you can do if, if you’re late to the game, maybe you’re late to just saving for retirement. Maybe you’re just trying to build wealth. Well, let me talk about a strategy in about the next five minutes that could really, really help for those of you that are trying to build wealth.

Now, you can do this for years. This is a strategy that you can do for years. But I really believe my whole aim with this is to teach people, right? To teach people about wealth building. And for those of you that want to build wealth with Bitcoin, hey, buy Bitcoin, $100 a week or whatever you’re doing. You could build wealth over time. And that is a great strategy. Personally, that’s one of my backup strategies is I just have it on auto, autopilot. I just buy on a weekly basis for the past, I don’t know, 10 years now.

So you could do that for 20, 30 years and you would have substantial wealth. That is one strategy, a micro strategy. That shouldn’t be a retirement plan strategy. It just should be one strategy you can implement. You should have multiple strategies that are working. Some people have real estate, some people have life insurance, some people have businesses, some people have a stock portfolio. But whatever it is, you have to stick to it. Some have a Bitcoin strategy, which is great, effective way. This is just one strategy, one wealth building strategy that will get you there. By the way, I can’t make any promises, but I will say if you effectively do what I’m about to say, you could build wealth.

And I don’t get paid for this. This is just me giving out free content. This is me giving out knowledge. Now, you may not care about it and that’s cool. Then you could skip on. But for many of you in the room today listening to this, I would, I would listen. I would listen. So here we go. And I’ll just spend five minutes on it. So there’s something called leverage ETFs. Leverage ETFs are funds. Basically, they have risk to them, lots of risk, because it, it’s just risky. Everything is risk. So this is not a principal protected account.

This is not for somebody that says, oh my God, my account went down 15% this year. Don’t do it. Just move forward, keep buying gold or do whatever you want to do that makes you feel safe, secured and comfortable. But if you’re trying to build wealth and take advantage of the volatility, take advantage of the stock market collapses, take advantage of all the bank failures, then this is, this might be for you. The S P500 averages about 10%. 9.75, right? Some say 12, some say 14. It’s kind of like anywhere from 9 to 14%. But let’s just say, let’s just say 10%.

Now what if you saved in the S P500 for 20 years? Maybe it was 500amonth or whatever car payment you can afford. Now we go and get this compound calculator. Oh, and before I actually do, before I actually do, let me, let me share this. You see this ETF here? This is two times the S&P 500. So if the S&P 500 does 10%, this would do 20% on average. There’s some slippage there, there’s some operating expenses, but let’s just say for conceptual purposes is 20%. You can two times your return on this. So if the S&P 500 is averaging 10%, you will average 20% with this, minus fees and slippage.

Are you getting that? So here’s the year to date return, 44%. The one year 44%. So this puppy, you could, you could have it for a while. I mean since exception, this has done 20%. So that fits the math. Like the average of The S&P 500 is 10 and this is doing over 20.74, obviously minus your fees, on average, you’re going to pay about what’s operating expense on this bad boy. Typically they’re like 1% on the leverage because they’re expensive. I don’t see where the operating expenses are at, but anyways, you could literally buy this, save money into it and double your returns.

You will take, your standard deviation is through the roof. This is not a safe play. This is not somebody that wants to do retirement, that has retirement and that actually wants to protect their principal. This is somebody that wants to take risk and doesn’t mind volatility. So let me take the SPU, you put it in my, my charts. So here’s SPUU. This is two times the S&P 500. We’ve had a little, a little downside, but I’m getting nothing but green traffic lights here. And it’s very powerful. I mean, look at, look at the returns on this bad boy.

This is the S P 500 times two. So if we’re adding to this every single year, we are building wealth over time. We’re building substantial wealth over time. 2018, look at this, 2015, just adding and adding and adding dollar cost averaging. Yeah, you want this thing to go down so you can add more. We got a Blue Cross, Gold Cross, Boom. Then it goes down, you add more, you keep adding, you save monthly into it. Boom. There was a Correction Obviously in 2020. Covid, great time to buy. And this thing just shot up ever since COVID Then it took a hit back in 22.

Right? 22 going into 23. And then boom, it’s the magnificent sevens took off. This thing has been like a rocket over the past decade and we’re missing out on some massive wealth because people are not teaching us. And so you could save monthly into this, you could save as much as you want and build substantial wealth. Now the other thing I want to present to you is a simple compound calculator, which is what the financial professionals use through the SEC. And so let’s just say you had a $10,000 investment into this one time. And then, you know, I wanted to save $1,000 a month, maybe that’s the car payment I could afford.

And you can go, you can go any compound interest calculator. You don’t have to screenshot this. Maybe you’re young and you have 25 years. Actually, let’s just say a thousand bucks is too much. Maybe 500. Yeah, 10 grand, you’re behind 500 and you only have 25 years. Now your estimated return, we already established that the S P 500 is going to be due roughly around 10% each and every year. Now we’re doing SPUU, which is 20%, so we’re writing a 20. Actually there’s fees, so let’s just say 19% to be safe. Interest rate variant range, let’s keep this above and below this rainbow.

Let’s just say it doesn’t have good years. And there’s a 15 in there. Right. Compound annually. And we’re just going to calculate this, see what this looks like. In 25 years, guys, in 25 years we just had a ten thousand dollar investment, five hundred dollars a month, and we bought SPUU. In 25 years you would have 3.18 million dollars. This is no joke. They don’t teach this in school, guys. They don’t teach this in school. And this is a year by year what it’ll look like. Now what’s even more powerful is that we can have this inside of a safe money environment and have this compounding approach working for you.

There’s so Many ways and strategies to build wealth. If you would just focus on simple task or give us a call. I would love to just teach this. I don’t get paid to to just give out free information. I’m doing this because I actually give a darn about people’s financial health, people’s financial retirement. I don’t want you, I don’t want you to be a Walmart greeter. This is why I became a financial advisor. I saw my father work hard so hard labor in as a welder, as a drill sergeant, as a pastor just to give us food and shelter, basic needs.

I didn’t have Jordans growing up. I couldn’t go to Lululemon, buy a shirt. I would have to ask permission to get a haircut like it was. You know, I grew up, I grew up very, very, not poor, but just low income. And I’m grateful because it taught me what I wanted to do at a very young age. I wanted to study money. I wanted to fix that lifestyle so I can give a better lifestyle to my kids. So this is one way we can beat the financial struggle. Now what if you’re retired? Or what if, I’m sorry, what if you’re late to the game? You don’t have 25 years.

Maybe you got 20,000 right? And maybe you can only do 300. Well, actually no, maybe, maybe you have $25,000 and you can only add. Well, you’re going to have to add a lot of money. And maybe you don’t have the years, but maybe you’re trying. Maybe you’re 50 years old and you want to retire at 65. Well, all that does basically means guys is that you have to really stock away some money quick. And we still have SPUU. Let’s see what that looks like. Even better, in 15 years you could have $4.3 million. If we just bought SPUU, which is double the S P 500 on $4 million, guys, you could pull 5, 6% out for the rest of your life and live off a quarter million dollars forever and never even touch your principal and give your children the $4 million.

Oh, and the $3 million. Just blow it away, buy a Ferrari or something, I don’t know. But you can live off $4 million and just have a quarter million dollars coming in like clockwork. Never even touch a principal. It is amazing what you can do if you just start small. If you’re older, you need to put a lot of money away in a leverage ETF that will grow your retirement. That simple now, another situation is, what if I have a hundred grand and I don’t want to put money away? Maybe I. I’ll put. Let’s just say $250 a month, just for poops and giggles.

But I do have 19 years. Maybe you’re 40 and you have 100 grand to your name. I’ll use me for an example. And we’re just adding 250amonth. We have 19 years, same variance, and 19 more years, you would have $3.1 million. It is that simple. Like, you can. You can do a lot of things. Oh, and let me. Let me just say you had $50,000. Maybe you had $50,000 and you don’t add. Well, you wouldn’t do this if you’re not adding. So let’s just say you had $300 a month and you had 19 years. Okay, still $1.8 million.

19 years. Now, I’m gonna throw a little curveball here. What if you’re young, you only have $20,000? Actually, you only have $10,000, and you’re putting $500 a month away. 19 years. Oh, and by the way, we could buy three times the S&P 500. Yes. They have a SPXL, which instead of 20%, we would get 30%. But with the fees, let’s just say it’s 28%, and our range is going to be 20. Let’s just. Let’s just say that. Poops and giggles. So starting out 10 grand, 500amonth for 19 years, we are SPXL, which is three times. We would still have $3.4 million in 19 more years, guys.

It’s that simple. It’s that simple. So this is what you have to do in order to build wealth. So it doesn’t matter. It does not matter what the market does. You think I care if Kamala or. Or Joe Biden got in again? Like, it doesn’t matter. It doesn’t matter if Trump gets in. We just need volatility. It doesn’t matter. I’m. I’m happier if Trump gets in. But we still got issues, man. We still got issues. So I’m saying all this is because we want to give you wealth strategies. We want to help all of America understand that there’s a way to build your retirement.

There’s a way that we can help. Here at my firm, Cortez wealth, this is what we do. We want to be a light into you, spiritually and financially. Now, there’s so many strategies I have. I’ve been doing this for 20 years, but yet I don’t have time to shave. But I have time to teach you how to do some wealth building. Right? So. And one thing that I’ve been terrible at is being a really, really good husband. And as I say that is I’m reading this book, Husband After God, man, am I a sinner? That’s all I have to say.

I. I wanted to share something real quick. Very powerful. Perspective is powerful. How you perceive your wife will inevitably affect how you love her. Do you see her as your lover, your friend, an enemy, an inconvenience, or maybe even a mistake? Over time, experiences and circumstances throughout your marriage will begin to shape your perspective of your bride. The key is to allow God to be the only one who shapes your perspective. You can allow all of your struggles and heartaches and unmet expectations, the sin and everything else in between cause you to see your wife with jaded glasses or allow God to transform the way you see so that you have a godly perspective of her to continue to see her for the gift that she is.

Whether you can see it or not, your wife is a gift that God will use to bless you and refine you. So this book is pretty amazing where it’s just really powerful. So I like talking about things that make me stretch. And this is a great book. Proverbs 18:22. Yes, Proverbs 18:22. He who finds a wife finds a good thing and obtains favor from the Lord. It’s amazing that your wife is a gift from God. And sometimes we. We forget that. I know I do. And so it’s. It’s always. It always stretches me when we have thoughts that we entertain that are not from God.

And honestly, like the. The men in this world, we. We have. We have it all. Like, we have. We have our masculinity, we have our. Our way we can provide and our families and our fitness and our faith. But we also have to show up as a man as well as a husband as well. Like. Like Christ said to us that we need to love our wives like Christ loved the church, which is a very, very tough. I mean, that’s one of the toughest verses. Like, love your neighbor as yourself. Like, that is tough, man. Like, what if your neighbor is some, like, evil person that is pro LGBT and goes against everything that you believe in? You’re supposed to love him or her as yourself.

So, anyways, I just wanted to challenge you with those verses and those. Those devotions. Love you guys. Continue to pray for me and my journey and our business here. Don’t forget to like and subscribe us. And if you want to have some investment advice, hey, I know a good financial advisor. All you gotta do is give us a call. 813-448-3446. Or visit us at Cortez wm.com God bless you. Don’t forget to like and subscribe. And I’ll see you at the top. Bye.
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