Millennial Millionaire Ep. 106 - Planning Beyond the Paycheck with John Link
John Link is an Investment Adviser Representative with Royal Fund Management, LLC, an SEC Registered Investment Adviser. This content is for informational purposes only and does not constitute personalized financial advice. Full disclosures will be provided at the end of this video. Advisory services are offered through Royal Fund Management, LLC, Link Wealth Mgmt. Royal Fund Management LLC is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance products offered through (Link Financial). Insurance guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products. Information presented does not involve the rendering of personalized investment advice but is limited to the dissemination of general information on products and services. The information should not be construed as an offer to buy or sell or a solicitation of any offer to buy or sell securities mentioned here. This presentation should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the advisor as of the date of the presentation and are subject to change. Past performance may not be indicative of future results; therefore, no current prospective client should assume that the future performance of any specific investment or strategy will be profitable or equal to past performance levels. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's portfolio. There are no assurances that a portfolio will match or outperform any particular benchmark. Royal Fund Management LLC only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the advisor has attained a particular level of skill or ability. On this episode of Millennial Millionaire, Steven Cohen sits down with John Link, an investment adviser representative with Royal Fund Management and founder of John Link Companies. John traces his path from managing grocery stores to building a career in financial services, including the fear and failures that came with leaving a steady job to work for himself. They discuss financial literacy, credit cards, saving versus spending, and the gap between a high income and lasting wealth. Steven asks John how a young earner can begin thinking about a financial plan, and they compare retirement accounts, brokerage accounts, and real estate as topics to understand before making decisions. John also talks about the work behind owning rental property, what early retirement means without a plan for your time, and why celebrating progress matters. John shares his views and experiences in this conversation. You'll learn: - What John learned while moving from a corporate salary into self-employment. - Why he sees failure and continued learning as part of building a business. - How he talks with clients about budgets, credit, and financial literacy. - Why income and net worth can tell different stories. - How he thinks about balancing long-term saving with enjoying life now. - What he learned from an early rental-property mistake. - Why a retirement plan needs a purpose beyond leaving work. Connect with Steven Cohen YouTube: https://www.youtube.com/@stevencohen2832/videos Links: https://linktr.ee/steven_cohen Connect with John Link Website: https://www.johnlinkcompanies.com/ Chapter Markers: 0:00 - John Link and His Career Change 3:00 - Leaving a Steady Job to Bet on Himself 8:50 - Learning Through Failure 12:00 - Financial Conversations and Client Trust 14:30 - Credit Cards and Financial Literacy 20:01 - Building a Plan as a Young Earner 25:00 - High Income Versus Lasting Wealth 27:00 - Saving, Spending, and Balance 33:53 - Real Estate and Other Investment Paths 39:55 - Planning for Early Retirement 45:06 - Life, Business, and Fulfillment 49:54 - Where to Find John What part of John's story changed how you think about money or work? Share your takeaway in the comments, subscribe to Millennial Millionaire, and send this episode to someone building a more intentional financial life. #MillennialMillionaire #StevenCohen #JohnLink #FinancialLiteracy #WealthBuilding #Entrepreneurship #RetirementPlanning #PersonalFinance #MoneyMindset #SavingMoney #RealEstate #BusinessGrowth






