Marko Zlatic on LinkedIn: The Best Way to Pay Off Debt Fast (This Actually Works) (2024)

The Realistic Case for $173k+ Bitcoin.#Bitcoin

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Today is the 6th anniversary of posting my first video on the WhiteBoard Finance YouTube channel.In 6 years, WhiteBoard Finance has:- 970,700 subscribers- 303 videos- 61,271,439 viewsThis was all done organically through high-value, long-form content. No shorts. No ad spend.Thanks again to everyone who has tuned in and shared my content over the years!

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Dave Ramsey is wrong about the 4% rule. In fact, he is DANGEROUSLY WRONG, assuming you can pull out 8% per year and still GROW your portfolio assuming a 12% annual rate of return.Dave Ramsey went on a rant stating that the 4% safe withdrawal rate for retirement is wrong. In this video, I show you why he simply isn't correct.

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How Having Good Credit Can Save You THOUSANDS ($$$)Join My Private Community - WhiteBoard Finance University: https://lnkd.in/g8qY2u4JWBFU Includes:🎥 4 Full-Length Courses (Stocks, Real Estate, Budgeting, Increasing Income)🧠 Over 50+ exclusive videos, and new ones every week📊 Full transparency into my portfolio (every buy and sell I make)💬 Access to our private community and live chat with 100+ members❓ Weekly Q&A Discussion and Livestream with Marko🛠️ Exclusive Tools & Spreadsheets👨🔬 Monthly Guest Expert LivestreamsWBFU is the most comprehensive investing community in the world. Join today.

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American Consumer Debt Hits $17 TRILLION | Is it as Bad as It Sounds?In today's video, we're tackling a growing issue that might sound scarier than it actually is. We'll break it all down for you, so make sure to stick around until the end to get my full thoughts.Join My Private Community - WhiteBoard Finance University: Use code "CONSUMER20" for a 20% discount.WBFU Includes:🎥 4 Full-Length Courses (Stocks, Real Estate, Budgeting, Increasing Income)🧠 Over 50+ exclusive videos, and new ones every week📊 Full transparency into my portfolio (every buy and sell I make)💬 Access to our private community and live chat with 100+ members❓ Weekly Q&A Discussion and Livestream with Marko🛠️ Exclusive Tools & Spreadsheets👨🔬 Monthly Guest Expert Livestreams

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The Housing Market CRASH Is Coming (Don't Buy A Home Yet)I've done some extensive research and gathered a ton of statistics from various sources. I've placed a significant emphasis on insights from Redfin. Now, here's a big takeaway right off the bat: Monthly mortgage costs, compared to the median household income, have hit unprecedented levels. I'm talking about a scenario where you're looking at a 10% down payment and a 75% mortgage rate – these costs are skyrocketing, reaching heights we haven't seen since 2005.But why is this happening? Well, one major factor is the scarcity of homes available in the market. It's a situation where folks who secured those low mortgage rates are thinking twice about selling and buying new homes because of the substantial rate difference. This tight supply and growing demand are pushing prices up, following the good old rules of supply and demand economics.Here's another fact: Monthly payments for homebuyers have shot up by a whopping 8.5% year-over-year. Just to give you an example, in 2023, the median monthly mortgage payment has soared to an all-time high of $2,666. That's a jaw-dropping 77% increase compared to the costs in 2020, and it's mainly due to those higher mortgage rates.Speaking of mortgage rates, they're currently on the rise, and it's not just affecting folks with less-than-stellar credit. Even those with excellent credit scores are seeing rates in the mid to high 7% range. This rate hike is hitting monthly payments hard. To put things in perspective, let's compare a 2.49% fixed-rate mortgage from a few years ago to an 8.09% rate in 2023. The difference in monthly costs is substantial and can't be ignored.Adding to the challenge, active listings in the housing market are down by a significant 15.3% year-over-year. This further tightens the supply constraint. But here's the kicker – demand has also decreased by 7% year-over-year, as shown by Redfin's homebuyer demand index. Pending sales are even worse, with a significant drop of 13.3%, continuing a streak of double-digit declines over the past 15 months.But wait, there's more! Despite these headwinds, the median asking price for homes has risen by 4.4% year-over-year. This raises questions about whether this trend is sustainable or not.In conclusion, the housing market is throwing some major curveballs at us right now. The primary thing keeping it together is low unemployment. However, any uptick in unemployment could potentially trigger a recession. So, if you're in the market for a home, be prepared for potential corrections. It might not be the best time to buy, and it's crucial to consider factors like low rates combined with low prices, which historically lead to the best deals.Remember, the future of the housing market is uncertain, and it's essential to make informed decisions based on your unique circ*mstances. https://lnkd.in/ggBdcxMm

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New video just dropped on the main channel. 👀 The Barbell Investing Strategy (High Risk High Reward) 🏋♂️

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In today's video, we're diving deep into the four powerful ways real estate can help you build generational wealth.I've worked in commercial real estate for many years. Here are the 4 ways that I've observed that people build generational wealth with real estate.1. AppreciationReal estate values tend to increase over time. Learn how simple supply and demand dynamics play a role in property appreciation, and discover how savvy investors force appreciation by increasing NOI (Net Operating Income).2. Tax BenefitsExplore the concept of depreciation and how it can slash your tax bill. We break down how multi-family and other commercial properties depreciate over time and the game-changing benefits of cost segregation and bonus depreciation.3. Cash FlowCash flow is the lifeblood of real estate investing. Understand how positive cash flow can be the key to financial success, and how it influences your NOI, ultimately impacting your property's value.4. LeverageLeverage is the magic of using other people's money (OPM) to control a property. Discover how it can supercharge your returns and why it's often a better way to build wealth than using your own cash.Real estate has historically been a great hedge against inflation. Locking in low mortgage rates while earning a higher return on your investments can be a powerful wealth-building strategy. Inflation is also eating away at your original debt which is locked in at a lower rate. Remember, real estate is a time-tested path to building wealth. Stay tuned for more valuable insights, and have a prosperous day!🚀 Bonus AnnouncementI'm thrilled to announce that Whiteboard Finance University is now LIVE!Unlock access to our four pillars of wealth building: Money Management, Increasing Your Income, Investing in Stocks, and Real Estate.Get started on your journey to financial independence with a special 20% LIFETIME discount using code REI20.www.wbfuniversity.com(This is our launch discount pricing and it will expire on September 24th!)

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In today's video, we're diving into a crucial topic: managing your finances as a couple. Whether you're in a serious relationship, engaged, or married, these strategies will help you navigate your financial journey together. Join me as we explore five key principles that my wife and I have used successfully. Stick around until the end for my candid thoughts. Let's jump in!1. Be Honest and Transparent: Building a Strong Financial FoundationFrom early on in your relationship, honesty is key. Learn why open communication about assets and liabilities is the cornerstone of trust and a strong partnership.2. Shared Goals: Crafting a Financial Vision TogetherDiscover the power of setting shared financial goals. We'll explore how creating categories for joint savings can align your aspirations and simplify your financial journey.3. Hybrid Finances: Finding the Right Approach for YouGet insights into the benefits of a hybrid financial model, where you maintain individual accounts while also contributing to shared goals. See how this approach provides both autonomy and partnership.4. Budgeting Together: Aligning Your Spending HabitsLearn the art of budgeting as a couple. I'll guide you through a structured approach that ensures your spending is in line with your joint goals and aspirations.5. Regular Reviews: Keeping Your Finances on TrackDiscover the importance of regular reviews. From tracking your net worth monthly to setting and revisiting goals annually, staying on top of your financial progress is key.As we explore these five tips, remember that relationships, like finances, require work. Lastly, I'm excited to share that Whiteboard Finance University is launching soon! With expert professors, full in-depth courses, a private community, and live streams, it's a wealth of knowledge and financial literacy that you won't want to miss. Remember to like, subscribe, and hit the notification bell to stay updated. Thanks for watching, and let's build a prosperous future together!

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