Things I will NOT do in Retirement

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  • Опубліковано 21 січ 2025

КОМЕНТАРІ • 68

  • @Itsaraveeef
    @Itsaraveeef 2 місяці тому +23

    Don't simply retire from something; have something to retire to. Start saving, keep saving, and stick to investments.

    • @jameslongwell5025
      @jameslongwell5025 2 місяці тому +2

      It’s really heartbreaking to see how inflation and recession impact low-income families. The cost of living keeps rising, and many struggle just to meet basic needs, let alone save or invest. It’s a reminder of the importance of finding ways to create financial opportunities. You've helped me a lot sir Jeff! Imagine i invested $50,000 and received $190,500 after 14 days

    • @sky9935
      @sky9935 2 місяці тому

      Absolutely! Profits are possible, especially now, but complex transactions should be handled by experienced market professionals.

    • @joshraphaelbatusin933
      @joshraphaelbatusin933 2 місяці тому

      Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Jeff Clark.

    • @heidvsjekdndjdfjcc2837
      @heidvsjekdndjdfjcc2837 2 місяці тому +1

      Jeff demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit

    • @lucassilvaoliveira6064
      @lucassilvaoliveira6064 2 місяці тому +1

      nice! once you hit a big milestone, the next comes easier. How can i reach him, if you don't mind me asking?

  • @Neil-l7v
    @Neil-l7v 2 місяці тому +10

    Am 48 retiring next year but the thought of retirement gives me weakness. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you never imagined to happen. It’s so difficult for people who are retired and have no savings or loved ones to fall back on.

    • @William-y1d-l5c
      @William-y1d-l5c 2 місяці тому

      True, It has never been easier to understand how to build your money after retirement than it is right now with the inflation, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investments, in my opinion, are complex.

    • @duanec.sutherland5292
      @duanec.sutherland5292 2 місяці тому

      Even if you’re not skilled, it is still possible to hire one. I was a project manager and my personal portfolio of approximately $850k of my retirement pension took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect my funds and make profit from my portfolio this red season. I’ve made over $250k since then.

    • @MoniqueJ-g2s
      @MoniqueJ-g2s 2 місяці тому

      This is huge! would you mind revealing info of your advisor here please? in dire need of portfolio rebalancing

    • @duanec.sutherland5292
      @duanec.sutherland5292 2 місяці тому

      I take guidance from an advisor ‘Kathie Daisy Bosco’ To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

    • @MoniqueJ-g2s
      @MoniqueJ-g2s 2 місяці тому

      Thanks for putting this out, curiously inputted Kathie on the web, spotted her consulting page and was able to schedule a call session, she actually shows a great deal of expertise.

  • @Kimonha
    @Kimonha 2 місяці тому +5

    I just got back from Europe. It’s great to travel during the shoulder seasons: inexpensive, uncrowded and beautiful.

  • @DanielBaleWyatt
    @DanielBaleWyatt 2 місяці тому +73

    An increasing number of people are likely to face challenges in retirement. Low wages, rising inflation, and high rental costs make it difficult to save adequately. Now, even middle-class Americans are struggling to afford homeownership, putting their retirement plans at risk.

    • @CarddtReddt
      @CarddtReddt 2 місяці тому +1

      The surge in living costs has disrupted my plan to retire at 62, work part-time, and continue building my savings. I can't help but wonder if those who weathered the 2008 financial crisis had it easier than what I'm facing today. The volatility of the stock market, paired with a decrease in income, has raised concerns about whether I’ll have enough funds to secure a comfortable retirement.

    • @Toni__Michelle
      @Toni__Michelle 2 місяці тому +1

      This is why I rely on a portfolio coach for my investments. Their expertise in managing positions, leveraging asymmetric risk, and hedging against downturns makes underperformance unlikely. In two years, this approach has generated over $800,000 in returns.

    • @FrankJaaay
      @FrankJaaay 2 місяці тому +1

      Would you mind sharing the name of your coach? I’m very interested in exploring this service.

    • @Toni__Michelle
      @Toni__Michelle 2 місяці тому +1

      Rebecca Lynne Buie has consistently been my top recommendation. She’s widely recognized for her expertise in financial markets and has a strong track record. I highly recommend her.

    • @HotManP-l5g
      @HotManP-l5g 2 місяці тому +1

      She seems highly qualified. I looked her up and found her website-thank you for the recommendation!

  • @DW...
    @DW... 2 місяці тому +4

    My grandmother moved to a 55+ & absolutely luv'd it. She was never bored, always something to do! I'm looking into them🙂

    • @MelindaMiller
      @MelindaMiller  2 місяці тому +1

      I heard there is a lot to do and always someone to hang out with.

  • @michellem8284
    @michellem8284 2 місяці тому +4

    As a single woman, I downsized from a 3,000 sq ft home to a 1600 sq ft condo in a 55+ community years ago and although not perfect, it was definitely a good decision. It freed up a huge amount of money that I was able to save and invest and it relieved a lot of stress (no yard work or major maintenance items to deal with). It is definitely a much simpler way of life.

    • @MelindaMiller
      @MelindaMiller  2 місяці тому

      Right?! I do have quite a bit of equity built up so it would be ideal to move and invest too.

  • @SpicyBricy
    @SpicyBricy 2 місяці тому +3

    Great list! Thank you for sharing.

  • @niki9638
    @niki9638 2 місяці тому +4

    I think I will be more outgoing. My work is dealing with people and do when I’m off-I don’t want to be near people. I enjoy my garden- plants don’t talk

    • @MelindaMiller
      @MelindaMiller  2 місяці тому

      I have enjoyed learning about gardening over the past year.

  • @juddrousseau
    @juddrousseau Місяць тому +1

    I know I am a little late to this video, I fairly recently subscribed to you page. I still have about a year and a half to work until I can retire. I am one of those ones that can not wait to move to a retirement community. I think I have wanted to since my 20's. 😂 Now, I am not talking about one of the ones were people are sitting around in big recliners waiting to die. I am looking at the "active retirement communities. One of the ones I am looking at has 11 pickleball courts, numerous tennis courts, a gym with equipment that would give most health clubs a run for the money, 2 large pools, 3 hot tubs, a steam room, a sauna and the list goes on! There are dozens and dozens of clubs, activities and other amenities. I also like the fact it is in a gated community that has its own patrol service. I own a home currently and I am tired of all the upkeep and want something that is "lock and leave" in case I do want to travel or visit people elsewhere. I also want to be able to use the amenities and participate in the activities I choose. Luckily I have enough equity in my home that I will probably be able to pay cash for a place or pretty darn close.
    One question for you, I downloaded the digital planner you did and is it only to print out? I couldn't figure out how to electronically write or use it.

    • @MelindaMiller
      @MelindaMiller  Місяць тому

      @@juddrousseau For the digital planner you need to have a notes app on your iPad or tablet. Thanks for watching and there are a ton of very nice retirement communities.

  • @teresajones5973
    @teresajones5973 2 місяці тому +1

    I retired and downsized from a home and moved across Texas. I moved into a condo style retirement community and love it. There is something comforting about being able to call maintenance when needed and if you get in the right one, they are very well maintained and stress free.

    • @MelindaMiller
      @MelindaMiller  2 місяці тому

      I do look forward to moving into a condo or apartment etc.

  • @44lgarden
    @44lgarden 2 місяці тому +5

    I stumbled across your channel a couple of weeks ago and was excited to see how your retirement experience was going but since you appear to be still working as a substitute teacher on a regular basis, I don't feel like you are really presenting the true retirement challenges as you still have regular income. I would list you as semi-retired. I'm hoping you will provide updates soon when you are truly retired. I retired last year at age 60 and have been living through the challenges of having no income coming in but loving where I am financially and emotionally.

  • @stephanieporter6836
    @stephanieporter6836 2 місяці тому +1

    I don’t normally wear uncomfortable clothes or shoes. I mostly use my time to do what I want to do, not what others think I should be doing.

  • @Minnesota_Girl-m6z
    @Minnesota_Girl-m6z 2 місяці тому +1

    I am 56 and love riding my motorcycle. I bought my first bike at age 50. I always wear a helmet. If I Am having a bad day, I can go for a ride and the bad day and stress are gone. But I am always aware of what is going on around me.

    • @MelindaMiller
      @MelindaMiller  2 місяці тому

      I completely understand the love for motorcycles. My dad loved it too and I loved that he could do it for so long.

  • @Ohio_Memory_Bears
    @Ohio_Memory_Bears 2 місяці тому +1

    Yes! I want to retire from something’s but replace it with more important things ❤

  • @dennisbennett7274
    @dennisbennett7274 2 місяці тому +2

    Very good video content.
    Cars hit cars every day. It is only a matter of time before a car hits a motorcycle. I am with you, no motorcycles.
    International travel is fun and it is so joyful to see other cultures, but the cost and cramped plane ride makes it hard to do. It is definitely worth bumping up to Comfort+ or better when you are stuck in a plane for 16 hours.
    There are so many less expensive things to do in the US, like your trip to Iowa!

    • @Rob9mm
      @Rob9mm 2 місяці тому +2

      I know way too many people who had bad cycle accidents. They are just too hard to see.

    • @MelindaMiller
      @MelindaMiller  2 місяці тому

      There are beaches here in the states that would be nice but I am still going to get in a trip to Cacuun or something like that.

  • @denabaros3244
    @denabaros3244 10 днів тому +1

    haha.....I don 't care for massages either. 25 years educator here, retiring in May. We have similar "Anti" bucket lists.

    • @MelindaMiller
      @MelindaMiller  6 днів тому

      @@denabaros3244 Right? Once I gave up even thinking about some of the “traditional” retirement things I have enjoyed this more.

  • @Oleldygmr88
    @Oleldygmr88 2 місяці тому +2

    With the exception of traveling internationally, which I do want to do, these are things I also won’t be doing.

  • @robertalbert623
    @robertalbert623 2 місяці тому +3

    Got rid of my motorcycle when I retired

  • @Kimonha
    @Kimonha 2 місяці тому +3

    You’re a character…very midwestern personality.

    • @MelindaMiller
      @MelindaMiller  2 місяці тому

      I do not know what that means but thank you I think:)

  • @tamibrantley7986
    @tamibrantley7986 2 місяці тому +1

    I’ve heard don’t buy a unit in 55+ because resell can be difficult

    • @MelindaMiller
      @MelindaMiller  2 місяці тому

      I have wondered about that. With all the condos for sale I am not sure if they are an AirBNB or someone passed away and they are selling it.

  • @robertalbert623
    @robertalbert623 2 місяці тому +1

    Well , my things I'm avoiding are pretty much the same.

  • @ltorresmsw
    @ltorresmsw 2 місяці тому +7

    I am so glad you are not ever going to get a tattoo! I personally don't care for them.

  • @Minnesota_Girl-m6z
    @Minnesota_Girl-m6z 2 місяці тому +2

    No tattoos here on this girl. But if one of my children wanted a small matching tattoo, I would do it. That would be the only reason I would get a tattoo.

    • @MelindaMiller
      @MelindaMiller  2 місяці тому

      I know but I am just such a wimp and I don't know if I want to do it.

  • @ericwitt4586
    @ericwitt4586 2 місяці тому +3

    You look way to young to be retired girl I’m 59 plus and people don’t think I am either in two years I’m done also you have a happy retirement it sounds like you have earned it 😀

    • @MelindaMiller
      @MelindaMiller  2 місяці тому

      Well that's a nice thing to say! Retirement is getting a little easier and might actually really retire in a couple years.

  • @leisure057blank3
    @leisure057blank3 2 місяці тому +2

    I have heard from you tube videos that over.55 condos or communities are somewhat like high school. Lots of gossiping and high school like cliques etc. another thing is that you will be limiting yourself in terms of sellng. I think that was more my own concern.

  • @billyrayband
    @billyrayband 2 місяці тому +1

    surprising, I would have guessed international travel would be high on your list. Maybe just a cruise to some islands to get your feet wet?

  • @Rob9mm
    @Rob9mm 2 місяці тому +4

    Getting a tat at retirement age is just weird. It does not make you young.

    • @MelindaMiller
      @MelindaMiller  2 місяці тому +1

      I don't think any tatoo would make you young necessarily I just don't want to endure the pain of it.

  • @briand4000
    @briand4000 2 місяці тому +1

    Don't give in to the HD motorcycle culture. It's just nonsense. The company has gone woke and everything costs WAY too much for what you're getting...a 100 year old machine that is too heavy, too hot and woefully underpowered. You're not missing anything. I sold my electra glide and bought a BMW R1200 which is FAR superior in every way. Riding is something you should not jump into in the later years of life. We start losing our reaction time and sense of balance. The BMW is lighter and easier to manage for me. Been riding 40+ years and always ride with the assumption that everyone and everything is trying to kill me. I look ahead, around and through everything possible to assess the hazards. My condolences for your losses in your family to motorcycle accidents. It is risky, I cannot deny that. International travel? Blah. Horridly expensive and being stuffed aboard an airliner for 8 hrs is NOT something I enjoy. The USA offers SO much to see. Tats? Stupid. Seriously. I'm a year away from retirement and it is refreshing to see someone being candid about the "norms" and "expectations" and how we do NOT have to play along. Thank you.