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In this episode of Wealth with Wisdom, we talk though four financial terms people often nod along to, without fully understanding how they affect real life decisions. This channel is for normal people who want to make wiser, calmer decisions with their money. Topics covered in this video: Retirement Many people think retirement is an age or a finish line. In reality, retirement is a financial condition — when your money can reliably support your life without a paycheck. It’s not a date. It’s a math and lifestyle problem. Return on Investment (ROI) ROI isn’t just “did I make money or not.” It’s asking what you put in, what you got out, and how long it took. Understanding this helps prevent self-deception and poor decisions. IRA An IRA is not an investment. It’s a tax container. It changes how your money is taxed, not how it grows. A good account wrapper doesn’t fix a bad strategy inside it. “The Market” “The market” isn’t one thing. It’s a shorthand for collections of companies grouped into indexes like the S&P 500 or Dow Jones. Headlines don’t tell you how your portfolio is actually doing — what you own matters far more. Scripture referenced in this episode: “The way of a fool seems right to him, but the wise listen to advice.” Proverbs 12:15 “Wisdom preserves those who have it.” Ecclesiastes 7:12 If this video helped clarify something for you, feel free to like, subscribe, or share it with someone who might benefit. This channel exists to help people pursue wealth with wisdom and legacy with purpose. https://angellegacyadvisors.com/