2025 Is The BEST Year To Retire. Here's Why To Retire Now
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- Опубліковано 7 лют 2025
- Retire as soon as possible. Dave Zoller, CFP®
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My name is Dave Zoller and I own Streamline Financial along with our team of retirement planning specialists.
Streamline has been helping people retire for over 25 years and I've personally been working with clients for the last decade and a half.
We can only work with a select number of clients so we created this channel to share what's working well for the families we help.
We both know that RETIREMENT IS MORE THAN MONEY so you'll see the financial strategies along with the non-financial strategies to make sure this next stage is YOUR BEST YET!
Disclaimer: Since we don’t know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Streamline Financial Services, LLC or its members cannot be held liable for any use or misuse of this content.
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Disclosures: Securities offered through LaSalle St. Securities LLC (LSS), member FINRA/SIPC. Advisory services offered through LaSalle St. Investment Advisors LLC (LSIA), a Registered Investment Advisor. Streamline Financial Services is not affiliated with LSS or LSIA. LSS is affiliated with LSIA.
I retired 4 years ago at 58. I lost 50 lbs., exercise every day, and am healthier than I was 20 years ago. I now pursue my pastimes: walking, cooking, art, music, travel, and whatever other paths I want to follow. I'm a widower and have lost a lot of family and friends to the reaper or relocation but am downsizing my life in anticipation to moving to a new place to meet new friends. Retirement is the best thing to happen to me. So, follow Dave's advice, stop worrying, and retire before you think you should.
So happy for you and it’s great to hear happy stories like this…maybe retiring this year at 55…had hoped to work 3 more years.
👍
I’m 58 and retiring this March. I’ll still find something to leverage my skills and experience. But I’m so looking forward to it.
Interesting story. I too retired at 58 in 2018. I’m now 63. My father died in 2014 at 81 with frontal/temporal dementia and my mother was diagnosed with Alzheimer’s in 2015. I buried her last week, age 90. With so much brain disease in my family, I knew I had to change my lifestyle. In 2022, I lost 73 lbs eating a Keto diet. I eat 2,000 calories of the right foods during 4 hours a day and fast 20 hours a day. I also walk 8 miles every other day. I got off 9 medications I had been on for years and now have the best blood test results ever. I’ve sustained this lifestyle for 3 years, 1 month and 3 days. I wish you the best as you downsize, move and develop new friends.
Hi Richard. I'm 64 widowed. Want to retire..
Retired in 2023 at 57yoa hiked the Appalachian trail it took 6 months.
In September my wife and I are hiking the Camino in Spain. We have had health scares and decided that there is no better time to take advantage of living life ..we will be comfortable but won't be rich. Spending money on the things we value leaving the unnecessary material things behind..wish you all the best on achieving your goals
I was planning on working until 67 but decided to do it now at 62 while I am younger and can travel and have my health to enjoy it. It was the right decision for me. I can’t put into words the freedom and peace I have felt in my life.
Wisdom
That would be nice to retire at 62, thats my plan also. 62 is my best age to retire.
Regarding not retiring due to world situations, e.g. wars, AI, climate, politics, etc., I'd say this is a good reason to retire and get out in the wilderness, turn off your electronic devices, don't don't listen to all this anxiety inducing noise and you'll be just fine!
Thanks for always making good content that gets people thinking! I just retired at 55 to reduce my stress from a long corporate career. I am fortunate to have a fitness hobby (long distance endurance sports) and will be putting that front and center of my life again. So much so that I will tackle a 300 mile ultramarathon this Spring!
2025 can be that renaissance year for anyone!
Doing a 1000 mile non-stop myself.
Congrats. I just retired last May on my 56th birthday. Like yourself getting back into endurance sports. Spent the fall and this winter dropping 40 lbs. to get back to my competitive weight via walking, hiking and weight training. Now starting to ramp up the running for a late May marathon and then a 320 mile thru-hike of the Superior Hiking Trail in Minnesota in late September. The hike will take me 16 days. I can't imagine doing a 300-mile ultramarathon! My longest run ever was only 30 miles. Good luck.
Don't really need a reason except I'm tired of working and I can..
Me too
my friend worked 46 years at same job had over 1.2 million all in, retired and passed away less than 1 year later
My original retirement plan was to retire at 67, work part-time, and save money. However, high prices for everything have severely affected my plan. I'm concerned if people who went through the 2008 financial crisis had an easier time than I am having now. The stock market is worrying me as my income has decreased, and I fear I won't have enough savings for retirement since I can't contribute as much as before.
I plan to retire at the end of 2025 at 62 after 36 years in Telecom as a sales engineer. My husband will retire in May 2026 and he’s loving life! But walking away from a good income stream and building the nest egg to living from the nest egg is a scary proposition couple with the alarming recession and CPI report
This is so good! No one else is talking about this.
Right on. I retired two years ago at 55 because my job was killing me and I knew that if I worked another 10 years, I would die at my desk. 55 was the sweet spot for me and I am focused on improving my health.
I really enjoyed your perspective on retiring sooner than later. I’m in that dilemma now, I think you’ve encouraged me to decide.
Great video. I am 50 and I retired in 2025 . I am looking forward to my retirement Renaissance when I can really live my life with the wealth I have accumulated through years of hard work…
I will turn 64 in June & am planning on retiring at the end of 2025. I will tread water until I turn 65 & then file for both Social Security & Medicare at the same time. I am looking forward to it & a coworker that retired back in June said it was surreal when it first happened but he is loving it & says he has already lost 16 pounds because of no stress anymore & walking instead of sitting at a desk all day.
Very true what you say here. Love the triangle visions! I retired at age 54 in 2023 when the work environment at my company took a dump after a merger, and have not looked back. I consulted my Excel spreadsheet that I kept for years, two fiduciary financial advisors, and most importantly the software package Boldin to ensure I was able to call it quits.
Take very good care of your health before you retire. It's the best investment you can make for your future.
Earning money is important, but preserving your capital is even more crucial. Once your funds are lost, rebuilding wealth becomes significantly harder. It’s like “missing a train” versus “losing your money”-while there will always be new opportunities, losing your capital could mean the end of the journey.
I love how you incorporate Gods word in your advice!
You are an amazing young man and I love all of your videos. You're wise beyond your years and I'm a very knowledgeable CP. A about retirement and you bring a lot of wisdom to people.
A great video! Exactly where my mind is at today. I have the money, but I don’t have the confidence because of the environment. Thank you for the share.
I’d be retiring or working less in 8 years, and considering this financial recession, I’m deciding to begin taking up skilled trades. I’m curious to know best how people spilt their pay, how much of it goes into savings, spendings or investments, I earn about $140k per year but nothing to show for it yet.
The example of the woman who wasn't sure she could retire with $840K in the short term bucket is hard to fathom. That's a lot of money saved in short term, but that may be a normal amount of savings for your clients. Most people have far less so, it's a question of whether $500K total in our early 60s would be sufficient. I know a lot is dependent on one's monthly costs, butI think the answer isn't usually as clear cut. And the volatility and difficulty in obtaining another position with a good salary make the decision a lot harder.
1:42 My wife and I will retire at 45 and 53. Dec 2025 will be our exit month. I tried to retire at 50 but 53 is ok too.
I’ve been seeing a lot of people saying the same thing. But what makes 2025 so special? I mean, inflation is still around, and the markets are volatile. Isn’t it risky to call it quits now?
Retiring for good this June. For the second time
I can’t retire without the ACA and I feel like that’s very much at risk right now.
Thank you so much for the video. It gives me good things to reflect upon to help me decide when to retire.
Really helpful. Thank you for producing this.
Would love to retire sooner, like 62, but I’m curious what folks do for healthcare?
This video elucidates a compelling case for retirement in 2025. My own financial planning has yielded substantial growth, positioning me favorably for an early exit from the workforce. Have others found similar fortuity in their retirement strategies?
Love your positive, informational and inspiring videos. Thank you, Dave. 🥰
The simplicity of your advice with health, time, and money is spot on. I truly think the biggest fear I have with making the decision is the emotional piece. Will I find purpose and have a passion that makes me want to get up every day? I get concerned with having too much down time. You can only exercise, travel, eat healthy so much. I fear getting bored!
Excellent video! Thank you for sharing your insights! 😊
I was struggling with my retirement financial plans until I decided I'd be dead at 87! Good video.
Right on
Retired at 48 and ran out of things to buy, struggle to spend. Assets double every 3-5 years. 61 now
Double every 3-5 years? How. 100% aggressive stock?
Glad I found this. I’m 45 in this year. Realistically Im financially ready. But I keep being “greedy” and worrying I don’t have enough. But I know that feeling won’t go away. The thing making me stick to my guns is that one. I always said I would retire the lastest at 45. I want to focus on my heath. And family is getting older. Those are the things I really care about at the end of the day. Once family is gone, you can never get that.
What about qualifying for Medicare. Who can afford insurance?
Retire early move to Europe and enjoy your life , quality one too, with little to no expense 😊😊
This is a great and helpful video. Thank you.
So, it’s finally 2025! I’ve been working on my retirement plans for a while now, and I feel good about where I’m at. I’ve been focusing on investments that will give me some passive income when I eventually retire.
I’m approaching retirement and have saved $650,000 outside my pension account. Given the long-term nature of pension investments, how can I optimize my retirement account for maximum growth? My goal is to retire with 2-3 million within 5 years.
No reason to retire if you enjoy your job. I still work for the social and my mental health. It keeps me young. By the way I am in the top 3 % in net worth
Very helpful, thank you ,
Unfortunately, we have to wait till 65 to get a full pension because the cost of living
It sounds nice but the reality is you will still have to pay your bills and we want money to live a better life
Great content 👌 what's your magic number to retire just wondering
That retirement smile graph is pretty much all negative percents! Is that taking inflation into account as well? If so, that says most people really aren’t spending that much.
I’m stopping working at 56 may 2026 at end of current contract. It can’t come soon enough but I hope market is doing well because o don’t have great amount of funds
The Renaissance in Europe was helped by the Introduction of COFFEE and tea! The water was unsafe to drink so they drank beer ect to was was safer? Once people started drinking Coffee and tea instead they were more like modern people after drinking coffee more alert, energy ect?
Thank you
yes
Don’t everyone retire at once
😂😂😂😂
@dave do you post or share the slides you use? I would love to reference them as I work through the retirement planning process
You work for 42yrs to have $2m in your retirement, Meanwhile some people are putting just $20k in a meme coin for just few months and now they are multi millionaires I pray that anyone who reads this will be successful in life and will see the need to work an adviser
Gotta give 3 more years, then I can retire with full pension and benefits
It would nice to retire in 2025. But I'm only 50.
Gatt rate is way too high.
Sure, as long as you have money. But you offer no help for people with low retirement funds.
Why do all the folks, including this guy, preaching early retirement NEVER talk about affordable and predictable healthcare insurance? Discuss it!
I talk about it here. Maybe I can do another since this was from a few years ago. ua-cam.com/video/0eo8539UNLs/v-deo.html
WHAT IF YOU STOP WORKING, BUT DO NO RETIRE?
i do not see anyone talking about being out of the
workforce and not collecting ss until 70...
Can a person do this with $500,000 in 401k no house and huge student loans ? Went back to school very late in life and that is the Only reason I have any money at all.
Who is actually "free from pain" beyond 45? 🤣
This video elucidates a compelling case for retirement in 2025. My own financial planning has yielded substantial growth, positioning me favorably for an early exit from the workforce. Have others found similar fortuity in their retirement strategies?