Your Most Underrated Asset In Retirement | You Need To Know
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- Опубліковано 12 жов 2024
- You might not give this asset the importance it deserves while you are planning your retirement finances, this would be your biggest mistake. This could derail your plans, you need to know this now about your most underrated valuable asset in retirement.
We talk about your retirement planning and your most valuable asset you can have in retirement. Don't make this biggest mistake!
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This was made all that more evident to me when my wife was diagnosed with dementia at age 60. Very happily we both retired at age 56 so we had four wonderful years of that. Here we are three years later after her diagnosis and I’m her full-time caregiver. She’s completely reliant on me for every single thing in the course of the day and I feel more like a full-time servant than a retiree. However, after 46 years together, I love her as much as ever and I’m completely dedicated and devoted to making her remaining days on earth as comfortable and safe as possible but this is a rough existence at this stage of life and I am exhausted and emotionally drained. After that, I suppose I will have to regroup and pick up the pieces again and try to enjoy my remaining years. This came right out of the blue… No indicators, no lifestyle factors, no genetic factors, nothing.
You are not alone although I know it feels that way. I am in exactly the same situation as you. It’s very hard. My heart reaches out to you and your wife.
I’m so shy, I always talk myself out of having fun and enjoying life. I just turned 50, and I have wasted so many years feeling this way. Thank you both. I’ve have been watching you for about 3 years now. You two keep me focus.
Just follow your heart and do things that bring your joy. Also the thought of doing something is nearly always worse than doing it.
Health is the new Wealth❤
I can relate to this message perfectly. I am turning 63 and my wife is 62. We both retired at 54. We had a holiday planned for Canada in 2020 including a Holland America cruise in Alaska and then the pandemic stopped us from going. Since that time we have lost both my wife's mother and my mother in the last two years but we were now ready to travel again. We had two big holidays planned by the end of this year including New Zealand and both have had to be cancelled. My wife has been diagnosed with Marginal Zone Lymphoma a rare form of cancer and has to begin Immunotherapy and Chemotherapy in two weeks time. We are devastated by the news and pray the treatment works. Having money and holidays are not important now. Health is your most important asset. Truer words have never been said.
🙏🙏🙏 that you will regain your health and do some of those plans.
Dearest God, Jesus, Mother Mary, Holy Spirit ghost, please wrap yourselves and heal this beautiful soul. ❤
Best wishes to you. Stay strong. 🌤
@@dandaley7886Thank you for your good wishes
@@EmteeTeee Thank you for your good wishes
Yes, I’m 79 so looking at the big eight zero next year. We are making the most of it, going away every few weeks hiking, cycling or skiing.
You are right, health is so important and although you can’t control fate you can at least give yourself the best chance through diet and exercise.
Good advice. I also think it's nice to develop a habit of appreciation for the small daily things we enjoy every day. A good meal, a pretty day or a fun meet up with friends.
A year ago, I was an elite pro powerlifter. After 13 years of competing, my spine required surgery this May. Two months later, my annual mammogram revealed breast cancer. I'm 6 weeks out of a successful lumpectomy and genomic testing shows the cancer is a high risk of returning to another body part within 5 years. I am so glad that I had the spine surgery before this cancer diagnosis. I had been in so much pain that it would have made this current situation so much worse. Yes, you can't take your good health for granted because things can change in a moment.
We were saying this same thing this week! Getting outside in the fresh air, walking (in our case walking the beach as that is where we live), making sure to spend time socializing, and eating healthier. Our neighbors, also in their 70s, are unfortunately no longer to do many of these things due to health problems. We have a new commitment to guarding our health!
You are so right! I always did a lot of travelling (thankfully) and thought I would continue indefinitely. 63, retired a year ago, and my MS has now become a huge limiting factor. Daily living is still very doable, but a ton of planning has to go into every overnight away now, so it doesn’t take weeks to recover. Now I am focused on making my home life fulfilling enough so I don’t actually want to leave much. My mom died at 57 (brain tumour) so I consider myself extremely lucky to have retirement years to enjoy, travel or not.
Good advice!! Several years back, I had some travel ideas that I was thinking of doing once I retired. Then there were some changes in my life, and I decided not to wait. I started doing my travel sooner, and it has been such a life changer. I guess I now take the attitude that, if I find myself incarcerated in some senior's home, I'd rather look back and say, "I'm glad I did it", rather than look back and say, "I wish I did."
Just here to say "Last year of 7th decade."
....yes, I love the fine detail of things.
That was an important master class on living. Nicely done.
My husband has parkinsons but we can still travel. I have been trying to tell him that we must do the things we really want to do now, he is 66 and I am 68. Who knows how long his Parkinsons will be this manageable but he tends to think of the money rather than his health. I'm afraid we will put off these trips and then in a few years when he wants to do them it will be too late.
Oh, bless you both! I hope you get some fun trips in soon! 🙏
You are right Sandy do things now, but there is also comfort in staying safe at home, wish you both well.
Excellent advice! I'm excited to see where you travel in the next year!
You are great examples of prioritising your health and making the most of the time you have now! ❤
Thanks Dara, we get our British fix from you 🇬🇧
I just got an email from my relatives in Germany 🇩🇪. My cousin had discovered a hole in his heart and his wife just started fighting breast cancer 🎀. Both are in their 50s...sad 😮. As you know I had heart surgery right after retiring at 57. I want to cruise for my 60th...next year in July. No more waiting.
Yes, we sit down with our calendars and plan things to do or otherwise we wouldn’t do them. Definitely don’t wait!
Very true!
i watch ;you two and am not sure if i have told you, but you are giving good advise to folks. i am 85 and still enjoy good heath. Our last trip was a cruise that ended right when Covid showed up. we came home to masks and sanitized sitting on our kitchen table.. We dont consider travel anymore as we just dont want to deal with the airport.
Funny, when you spoke about the Algarve on one of your shows i said to my wife why didnt we go more often since we had such a good time the year i retired.(24 yrs ago) . keep reminding folks that you need to do it while you can..
Be well, and be Safe
Sorry to age you Norm, but you're actually in your seventh decade and about to enter your eighth. Enjoy your travels!
Now you know how bad I did in Skool 😂
Such a great message. I really enjoyed watching you. Thank you.
Health is wealth!
I retired at age 53, so I am in my early 60s. Many of them resisted me because they couldn't understand the idea of not working if it wasn't necessary. I considered the phases of my life. I worked very hard to achieve what I have now, but in my last years, I owe it to myself to "stop and smell the roses." In my instance, I departed the nation after retiring and currently reside in Latin America. It made it possible for me to appreciate my new surroundings while escaping all the bad things that were going on in America. Nobody that I know of regrets retiring has yet to come to me.
I think you two have the right approach. The early years of retirement are going to be the years when you have the most energy and the best health, they don't call them the "go-go years" for nothing. Still, it can be a difficult transition to make. After decades of planning and "saving for the future" old habits die hard. It is sometimes difficult to realize when you are retired that the future you anticipated and were saving for has arrived.
I also think we all believe that as we age we'll be pretty much the same as we are now, a few more aches and pains, a little slower perhaps, but pretty much the same. The truth is it's not like that and you'd best get out there and enjoy your retirement while you can. Those "slow-go" retirement years generally start in your early to mid-70s and there's no sense in letting the money you saved to enjoy your retirement sit in the bank "just in case".
I will have been retired 10 years next May and I recommend to retirees you spend your retirement savings enjoying your actual retirement especially in the early and most healthy years.
I'm 64 as of today and I've been disabled from my job for quite a long time already. Also a few months before our fifth wedding anniversary, my husband was diagnosed with a serious cancer and he passed away 8 years after that. So we only were married 13 years and although we did do some travel and other fun things, it certainly wasn't what either one of us had planned. That being said we were both working full-time and only had a couple weeks off a year that we could do anything substantial. So retirement is definitely a time to fulfill those dreams.❤
Been retired 6 years. I'm 68. Will be 69 in January. I have been traveling once each month these last few years...trips are local, domestic & international. That is a great idea. I started feeling my age after my Greece trip in June. So, I've decided to work on my health more these next few months. Great video!😊
You make some valid points. Sometimes genetics play a part and pure bad luck. I am not without health issues. I'm not overweight, never smoked, do not touch alcohol. So I guess I'm unlucky
You are so very right!!!! We thought we would be okay. Unfortunately all we have done is “ fall apart”.
absolutely an extremely stunning video.....thank you....hope you both live to 100
Agree 100%. Get out there and enjoy life while you can!
I like how you COMPLIMENT each other.
I read a quote from Steve Jobs saying “that it didn't matter if he was the richest man in the cemetery” which I thought was kind of funny.
Very true but sad
Excellent post.
Wise words. I've had my plans thwarted this year to help an elderly relative. Hopefully this will all be sorted in the next few months and i can concentrate on my own life. I wish you both good health and happy travelling x
Always great to hear your thoughts. I’m the same age as Norm & agree your health is everything. Have fun with the trips you’ve planned! Be sure to update us on your adventures!
Thanks
I completely agree!!! I just this month I decided I am going to start traveling while I’m still working. I have at least a good 10 year before I retire but I want to start slowly traveling now while I’m still healthy!
Totally agree health and happiness are more important than money ❤
Traveling is hard work and can even be dangerous to your health.
Enjoy every day like is the last one! Great video again, thank you.
You guys are so wise. Love your videos. I’ve learned so much from you.
This is good for me to hear. I'm 64 and still have never been to Europe. It's my main wish. I can feel my aging since age 60. But I am grateful for ten years of travel already so trying not to have FOMO. Fear of missing out. There's something to be said for contentment.
Great words of wisdom! It’s a shame we start figuring out “life” when we get older. Oh the things I would change in my younger years. And I’ll be 60 next month!!
Amen! I now hav3 a terrible autoimmune disease and I just retired
Dennis
Great advice!
Glad you think so!
We are hoping for a snowy ride on the Canada train you guys took last year.
Health is Wealth!!
Love your channel and great advice , we are in our sixties too and health, love and a few pennies, is all we need.
❤️❤️🇵🇹🇵🇹
Thanks for watching 🙂🙂👍
Enjoy your trips. Can't wait to hear more about what you will be doing. I've traveled so much for work I'm looking forward to spending time between our properties. Tired of airports, hotels and security. Lol
Wise words - great video!
Thanks for watching
you are so right.
Great advice. I’m retiring Dec 2025. 2 years ago I thought I’d spend the first year of retirement getting into better shape. It then occurred to me: why on earth am I putting that off? So I started. Down about 40 pounds, feel much better and will be better able to enjoy retirement when it arrives!
Wow congratulations that’s an amazing achievement
WE have never postponed any travel and started travel extensively in our 40ties as soon as we immigrated to Canada from Europe. YOu do not have to retire to do that though. It is actually helps with the budget for interesting and not very cheap travel. If I would retire, I would never afford travelling the way we did and continue doing in our 60 ties. So, I would encourage everybody to work at least part time to lead a better life adn make dream vacation affordable. In regards to health: this is superimportant. But I would not stop just with doing biking and swimming. Most improtant: start doing HIIT (to keep your heart healthy) and resistant training/ weight lifting to keep your muscles toned (prevent sarcopenia and keep your cognition fro years to come)
I've been told don't woryy or base things on numbers like 40, 50 etc. Do when you can & before too late.
Thank you for the reminders! I will take to heart…
Thank you for this. You're so right (as usual!) - one is well until one isn't suddenly. But not to forget: health is body & soul.
In retirement we have time to cultivate spirit, heal relationships, volunteer, give. Prayer, fasting, and almsgiving is one recipe, gratitude, kindness and charity another. If we include some kind of faith practice into our health regimens we can die happy. Wholistic health encompasses all the aches and pains, including those formed by memories and mistakes. This is not a time for withering but for rigorous preparation.
Do it in your go-go days while you still have your health. Great advice
Wow... travel every month! We have done 5-6 trips (2 local & 3 International) and that seems like a lot. Nice to come home and rest a little. We also use a wall calendar with the whole year in view. It does help.
It’s the gogo years Richard!
Another epic video!
Thanks so much
Thank You ❤
Love Y'all
And still there are no. guarantees even if you are doing all the right health things with your life. We all have heard of the athlete who had a heart attack while running or playing hockey on the ice, and suddenly dies. The list goes on. Enjoy your life while you can.we all don't get to become old unfortunately. Be Blessed!
Sandra Jo 💙💫💙
Seriously, you can still travel in your 70s. We’re 76 and we went on a nice cruise. This summer went up to see our daughter in Seattle Washington then we went camping so you don’t quit traveling just cause you turned 70.
We do believe this, what our immediate thoughts are, to share our real experiences for those in our rear view mirror to encourage them not to procrastinate with time. Thanks for your encouragement, we do plan to travel well into our seventies and beyond. Thanks for sharing your experience.
Sooo true about taking your health for granted. Just an idea from your last episode, why not rent out your trailer when you're not using it. My wife and I are in our 60's and we would like to rent something like you have, instead of putting out the money of buying a trailer, finding a good lot and then having to pay yearly park fees. Pls let us know if you are interested.
We love to travel too, we can’t take our health for granted. Exercise, eat well, limit sugar and alcohol.
That is the recipe
I’m 62, closer to 63. I have been more active since about age 45. I’ve been going to bootcamp 4 or 5 times per week since age 54. I love to hike. I want to bike ride more. I also eat healthy with no meat 😊. It’s true if you don’t look after your health and mobility, no one else will.
I still have many years to retired and I want to watch your video as you are now beautiful and healthy .
Good health and enjoy your trips.
Thank you so much for the valuable insight, thought and idea… we never think about our health and just running after earning money but it costs a more than we earn… it is so true… if no health… we cannot enjoy life … I will keep that in my mind..,.. I will try to lose weight now onwards…😂❤🙏♥️👍😃
Thanks for sharing
I love you both my wife and I feel like you are family.
Thanks so much we feel very honoured
I do not regret traveling. We are not promised anything, make the best of everything.
38 years for us too 1986
Congratulations
Do it NOW. When the 40 yr comes along you can celebrate again!!
I wonder how many people really work on their health and longevity? When I go to the gym it's almost always rare to see anyone over 60 in there. It seems to be more that people decide that being sedentary and drinking a lot and eating a lot as some kind of retirement rite of passage. My friend laughed when I said how about getting in good shape and trying to get a few more good active years out of life.
How long are the trips you are taking going to be taking this next year? I remember you mentioned that 90 days Portugal was too long for you both. My Husband and I are retiring at the end of year and going to Arizona for January, February and March. It's a long time, but we got a great price on a rental in at 55+ retirement community. We won't know if that will be too long until we try, right? I will miss our Grandkids though, that's for sure.
do it while you can folks.
@@sidclark3249 Thank you.
We are basing our trips around 20 to 30 days, it’s also the length of trip our travel insurance covers
If you don't mind me asking, when are you going. My husband had radiation in Feb and still getting shots until early next year. So we wanted to wait until that is all done
Southampton to Galveston Texas, wishing your husband well, Norm has been there, not fun but make plans to have something to aim for.
What sites do you use to research? Travel ideas?
Travelzoo Expedia Airbnb Google
Your health is the most underrated asset!
Remember to get travel insurance ! Saved us more than once
Yes very important
I suspect these folks didnt travel much when they were young. I suspect they did great work things and parenting things. I dont care about travel , i did plenty. I didnt parent , but my gf has two 30 odd yr olds. Lucky me. Its such a precious thing this life
thought so and of course
Tina’s going to have to find herself a newer model……..😂
💯
My husband and I had been discussing how burnt out we've been on recent trips with such crowds.... But you're right, we've never regretted that we took the trip. So this has been very inspiring and we will plan more in the months ahead. Thank you 🙏🏻
Your health is your most valuable asset! 🙏
❤❤❤❤❤❤
Thought you meant kidneys
Genetics can’t be controlled.
at what age did you feel you no longer had the energy you once had when you were young?
❤
This is a repeat of previous videos.
and worth hearing again!
Hi Tina and Norm. Hope your voyage is going fantastically well! 🛳️
That’s great! Doing what you like to do in retirement! Which happens to be travelling.
Good for you!
You are fortunate and made it financially possible to allow yourselves to do want you like and want to do, now in retirement years.
Enjoy, enjoy. enjoy!!!!! 🤩
I’m more of a “let’s do it NOW”, person. Don’t want to put things off. 😂
Take care and keep safe!
Sam 🌷
Thanks Sam, we had this plan way back when we were 18 and 20, life after kids 😂😂 the last transatlantic crossing, we booked two weeks before departure.
Good solid advice.