I'm 65 and I retired at 59 started collecting at 63. I'm low Income, but, I feel I'm Rich !!! I know how to budget and survive. I am sooo happy and Free! Thank God.
I just retired at age 70 from my full time job but still work part time 20-25 hours per week caring for my mentally ill son. Love that I now get to sleep in. I used to get up at 5:30 am and now wake up at 7 am to make my son breakfast. The money is less since I’ve been retired but I do have more time to care for my son which is nice.
Retirement is becoming increasingly challenging for many people. Low wages, inflation, and high rent costs make it difficult to save, and now, even middle-class Americans are struggling to buy homes-leaving them with fewer retirement options.
The rising costs have disrupted my plan to retire at 62, work part-time, and save for the future. I can't help but wonder if those who went through the 2008 financial crisis had an easier time than I’m facing now. The combination of stock market volatility and decreased income is causing me concern about whether I’ll have enough saved for a comfortable retirement.
This is exactly why I value the expertise of a portfolio coach in guiding my daily market decisions. Their extensive knowledge in simultaneously managing long and short positions, leveraging risk for asymmetrical upside, and employing strategic hedging to mitigate downturns significantly enhances performance potential. With their skillset, underperformance is highly unlikely. Having worked with a portfolio coach for over two years, I have realized gains exceeding $800,000.
@@DanöVee 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.
I retired 3 months ago at age 62. One of the things you hear from people that have retired is the peace they experience since they retired. I can’t tell you how profound that peace is. It sounds like such a simple thing, but it is SO life changing. And yes, my life is now game on. My wife and I are FINALLY doing all those things we’ve always dreamed of doing. Moral of the story kids - don’t wait. Live your life. Take control of it. Escape wage slavery.
@@johnbruenn8755 yes! Retired at 63. Been working or in school since I was 16. 40+ years of kissing corporate ass just to pay the bills. Glad to be out of it now. Family is all I care about now. I know I have been lucky.
@@someoneelseright4671 as @Carnegiered52 said, it's a big change, if you can do it be like me. I went from 72 hours a week to 40, then to 35 on average, from there I dropped to 30 and now not at full retirement age but close I have gotten down to 20 average a week over the course of a year. Two more years at that then it will work out to 15 a week. And finally down to about 10 am week on average on call. That could mean a few hours a week. Or no hours a couple weeks then a bunch. Just to stay alert. But slowly progressing down keeps me from going 100 miles an hour to zero.
@@someoneelseright4671 I do to but wonder if I will ever get to that point I love people but they drive me crazy. Sometimes I tell my self I am going to move away one day but they would probably follow me.
I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.
Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!
That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Retired at 62 six months ago. I was finding myself waking in the morning saying, "Ugh, I don't want to do this today!" My wife pointed out that I was saying that almost every day. Not any more!! 😊
I’m 62, I have always been single and a loner but I always had a dog. He died a year ago and I have been lost without him. I’m getting s new Irish Setter puppy in three weeks and a retiring. The plan is to make everyday a Saturday just like when my last dog was alive. Long hikes, yard work snd naps.
I’ll always have 1 dog. We had 8 dogs and 2 cats. Down to 7 dogs and 1 cat. As each one does, we are not getting anymore. Until the last one dies. And most are over the age of 10
I LOVED my career and couldn’t believe I was paid to do it. But, over the past year, it happened - I burned out like a kamikaze hitting a ship. Simply showing up at our project sites felt like a burden. My boss called to complain (after he first had the nerve to ask me a favor!). I pulled to the side of the road and told him I was retiring at that very moment. And that was it. 😊 I’m glad my burnout happened quickly.
I am so ready for retirement in all of the ways, except for financially! Many employees at where I work are unable to retire due to the cost of insurance. Some have run out of money too early. If you are not a lawyer, dentist or other professional, you just cannot retire early. Some are not even able to retire at 70 years of age. I love all of the information to think about before retirement! Thank you for that! Also, I am a single lady at 61 years old, so I have to make sure that I can take care of myself. I am divorced and have no kids or other support. I can only dream about retiring now.
I’m going to retire in May. Will not have much money - my pension (shy of $1000) and SS ($1400?) taking an insurance plan through Pennie. Taking 1 month off then will work part time. My health is more important!
Am 58 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.
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.
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.
'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
My brain must work differently....I could NOT care less about having " a purpose" just want to enjoy being off the working rat treadmill. Each to their own! Thats the difference between working to live and having a careeer that you love and enjoy. My goal is = NO Stress!
Some folks have jobs that they love, your "working rat treadmill" comment suggest you hate your job. Always pick a job that is fulfilling rather than stressful.
60 now and 34 years with a good (great) company. I luv my job and always have a smile on my face at work, my commute is going to push me to retire but not my job. No debt, no kids, I know retirement is coming but I still have butterflies thinking about it.
I retired last Feb 29 2024 at age 60. Today (7 months later) I'm still awake at sunrise and running full throttle bucket-list tasks until sunset time. Everything from inner shop project tasks, canoe/kayaking with family, ATV/UTVing, doing home renovation, doing yard maintenance, to doing monthly "drive about" vacations with my wife and also some local volunteer tasks. For me, it's like every day of my retirement is like previous Saturdays or Sundays (when I need a slower paced day). I'm not bored or wished I worked longer. 0uch! I now enjoy my days without professional stress and hope the daytime daylight hours were longer... When people ask what I do for a living, I simply say.. "I'm retired and loving it!". Then smile back at them..... When to retire? You know when you know. It's that simple....
@@baybay7898 Life is more than money. It's about enjoying life - regardless if one eats hot dogs/Kraft Dinner or steaks every day. If wondering, I still drive a 14 year old vehicle. It works great - so why replace it (and the need to pay monthly payments for new).? Seriously, money does NOT buy happiness...
Kudos! You obviously chose the correct career path for yourself and were able to retire at a decent age. Unfortunately for myself, I did not further my education, foolishly took my honorable discharge from the military after just 6 years (no retirement), continued to work in the Security career field for a large financial institution and couldn’t qualify for a respectable retirement annuity because I was too young at the time of job discontinuation and I continue working in the same darn career field at 62. Cost of living continues to hold me back from being able to retire. I must now work until I’m probably in my 70’s despite being able to collect full Social Security at 67. Do I have regrets? Of course I do and it’s all because I made the wrong career choice AND didn’t stay in the military!
@@baybay7898It’s ALWAYS about the money. I have been financially insecure my entire life! Even at 62, retirement cannot be within reach for me due to the high cost of living.
57 years old, I enjoy my job, cancer got me 9 months ago, have been off work since. Signs are showing I should bounce back. Having this time off has made me evaluate. For financial reasons I intend to go back but would rather stay home. I now realise how over dedicated I was. And that's in a job I enjoy.
In 2010 I was 49 y/o and had surgery that qualified me for SSDI. Stayed on it for six years, filled my time volunteering for charities, going to the gym and trying to learn guitar and Spanish. I lived in an apartment that increased in rent every year and in 2016 I had to return to work. So I started working PT. Then SS contacted me because I was earning too much money! So I started working FT and cancelled my SSDI benes! Now I am 63 y/o looking to start my SS benes in about 3 years. And I answered no to 5 outa 6 questions. When I retire I guess I will go back to what I was doing while I was on SSDI.
This message needs to go far and wide! We private schooled our son (about killed us financially, but we made it). He says one of the most beneficial classes he had was a semester of financial literacy. He is now 23, making $70k/yr as a federal contractor machinist and SSGT in the Air Guard. He bought a small home on a half acre, owns two vehicles outright, NO debt and a 401k. It can be done!
Finally retired at 73 from government service about 36 years. Problem was my job, federal law enforcement defined me. No job, who was I? Had to re affirm who I was. I was not what I did, I was a person with a purpose. My purpose changed, but I’m still me! I sleep longer and quality of sleep is good. Health is good with 3 days a week weight training at the gym and nature hikes. Not a clock watcher anymore. Move and take care of things as I’m ready. No bumper to bumper traffic. Leisure coffee shop relaxing and enjoying life with my wife of 37 years. Planning a trip to Rome for next year. Money is fine. Kids are grown. New lease on life.😅
I retired at 50 and have had a few part-time jobs since. Have tried full retirement and to me, it is boredom half the time. Yes, I have hobbies. I believe that to me it feels like I am still contributing to society.
I was very fortunate to be able to Retire last year and I feel like I won the lottery without the millions. The freedom from the politics and dealing with horrible people in the workforce is exhilarating. With me, it wasn't about risky investments it was about sacrificing and making sure that I paid off everything and got out of debt the last 10 years.
People are facing a tough retirement. and it's even harder for workers to save due to low-paying jobs, inflation, and high rents. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire in.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
Starting year 32 self employed in healthcare. Fed up fighting insurance companies. Gonna be 55 in April and watching all these videos because I’m considering taking down the shingle this year.
If you will be retired with no spouse, kids or other family, you may not want to retire at all. Just think, unless you are motivated to do something everyday or just keep some routine, working will help you keep that routine. If you lack enough hobbies ETC, even if just a few days a week work and flexable enough to take time off when you just want to get away will be best to keep you active. Even if you don't need the money.
As I was approaching 65 my employer implemented DEI and required all employees to classes, especially White employees to take a class on how to be less White. I suddenly realized I needed to retire.
1st x viewer new subscriber. 34 year business finance career. Full time RV Nomad since January 2019. 53 solo empty nester. 2x divorcee with one broken engagement. I use pay 2x wives per month. 5 figures per month overhead. Now .. paying ex wives is over. Drastically reduced overhead by 80 percent. Thank you for sharing your knowledge. I relate to this video and inspiration ahead.
Since the title of the video is answer "YES" to these qustions..... #5 is not a Yes or No question, maybe reframing it... "Do you know what you will do after retiring? Great insightful video by the way. Time and time again I've seen people that retire at work and they passed away within a year of retiring. This has made me reflect on my own journey to not wait until is too late. Fingers crossed my exit plan is at age 52. 😎
For me the most difficult of your question is #5. I ticked all of your other questions at the start of this year and retired, only to find myself going brain dead. After 3 months I couldn’t take it anymore and went back into full time employment.
I'm 57, I'm retired but took up an old musical hobby for years now. Trust me, even a hobby can become a time consuming job that you spend hours on every week to even stay good at. Your hobby is even a negative when it comes to putting your family on hold. I have come to the conclusion that when you retire, retire from everything. ! Use your free time on health n fitness and your family. Take my advice even a musical instrument is a job. Your family means so much more then any hobby. As I've said, spend 30-45 min a day on health n fitness, the rest on your family. Take vacations and live life to its fullest with your family because in the end that drum kit or guitar isn't nearly as important as time with your family is. ~ ( time you don't get back, spend it as wisely as possible, and that's on your family.)
Got laid off this year at 61. Spent the greatest 3 1/2 months of my life on unemployment, did take a civilian job on an Army post. Will be 62 in March, and can work 5 years and get a small retirement, I will be 67, full retirement age. Right now, that's the plan.
I have friends who simply stopped talking to me after I retired at 48. I'm a retired combat veteran and also retired as an Electrical Engineer. I had enough time to retire with a comfortable bring home of around $10,000 a month. I retired early because with my life style, I knew I wouldn't make it to 65. After being retired for 3 years I was diagnosed with cancer. Like I said, I won't live to 65 but I'm going to enjoy what life I have. Had I not gone to doctor or kept working, I would still die before SS (which is what they want). If I make it to 62, I'll draw but it ain't looking good.
Retirees who struggle financially often lack sufficient savings from their working years. Retirement planning plays a crucial role in determining one's financial stability. I've seen this firsthand with my parents, who both had similar civil service careers but different investment strategies - my mom worked with a wealth manager, while my dad relied on his 401(k). Their choices had a significant impact on their financial situations in retirement.
This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.
Its unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. Personally, I've been fortunate enough to earn over 100K passively through invstments managed by a fin advsr, requiring minimal effort frm me. Regardless of economic fluctuations, skilled wealth managers can consistently generate returns and provide financial stability.
I've been procrastinating for far too long, but I believe it's time to take action. However, I'm uncertain about which fin advisr to partner with, and that's holding me back.
@@AnnaWoods-rm7cfI've been able to augment my portfolio considerably by taking the advice of my financial advisor. His name is EDWARD FRANCIS HUTTON. Look him up. When he talks, people listen.
I feel I need to retire to take care of my health. Covid related illnesses have left me so tired and damaged my lungs. My issue is the last part, but I'm determined to continue to work a little in some capacity to add to my income, I'm just not clear on what I can do. My current job is physically and emotionally draining, and I've already transitioned to 2/3 time but it's still too much. I love to volunteer and I want to travel so I'm not worried that I won't know what to do.
I am a surgeon with a net worth that puts me firmly in the 1% Financial Club living in California (I have zero debt and in excellent health). I still work full time at 76. When I was in my late 30s, I began to think about retirement. I took classes in health insurance and now work as a medical director for a large health insurance company making a whole bunch of money. Although I do not need the income to live, all this extra money goes into my investments plus it allows me and my wife to fly first class to anywhere in the World (we don’t use travel “points!”). The colleagues who retired early now regret their decision because of the Biden inflation!!! These colleagues now have to watch their spending, budget, check their expenditures and travel “economy class” when they go on vacation. Living the dream!!!
Yes. Vote for politicians who can drag the US into the 21st century and join every other developed nation in agreeing that healthcare is a fundamental human right.
I am nearly 61 and just can't afford it. Rents are so high, food and bills, it's impossible. I don't qualify for state pension for another six years in UK. I have already reduced my working hours due to health problems but it is difficult financially.
At a certain age and with grown children, most people are ready to retire. Doctors, dentists or other highly paid professionals should save money to retire someday. Financial freedom is what we seek and can be attained with plannings . Delayed self gratification is also key to financial freedom. Easily said but difficult to do. Good luck to all! Of course I learned this a bit late but better late than never. Now my health is declining and it’s time to take care myself.
If your work is not healthy anymore, you can't rest well, eat well and your boss keeps increasing your workload, RESIGN AT ONCE!! Your top priority is yourself! Above all, love yourself first! Even doctors and all healthcare workers are not working healthy anymore and they are getting sick of so many diseases!
Your absolutely right, yes get out, but avoid the resign at once scenario.... get out very soon but take a few weeks to plan a beneficial exit. if you can get the company to let you go, you can apply for unemployment compensation. If the retirement funds are not there, then create the next roadmap before the exit.
@ericlee2931 , before I apply for a job, I am already prepared if things go bad. That's why I can afford to resign at once. I have a plan B and C in place. I tell my boss, your time is so precious, so as mine! The amount of work you piled on me is already for 2 or more employees. I will surely fail and you will get mad at me and I will not let that happen. The bulk of work that you piled on me is not healthy anymore and my top priority is my health. Here in my country, there is no employment compensation and no college loan to pay. That is why we were taught to prepare and have a back up plan before we apply for a job. It was so easy on me because Im single and have no kids. I told everyone in my company, if you are already married, have kids, house and car loan to pay, you can not do what I did! This company have a strangle hold on you! I will only get married and have kids if I am already totally secure in my company, a house and a car that is fully paid. Sorry but I call the American dream, a strangle hold on the working class because of the huge loans you have to pay! And the beauty of living in a poor country is that you are all alone! Our government does not care for us, so we learned to survive at a very early age. My grandfather who sent me to school made sure that I will be able to survive all the challenges that will come to me. He said, only love your company, your country, etc, if they really love and care for you! This planet is your enemy! We are all just expendable slaves of the rich and our government. I happen to see Nomad Capitalist and I loved his motto! Only go where you are treated best! So I did right! I see bad treatment, I resign at once.
@ericlee2931 , if all the working class did what we did, all companies will treat us well! Imagine if all employees will resign in one day! Unity. That's the problem! Now, it's to each his own! This only happened once in my life. Our department consists of 50 employees. Our boss maltreated our department. So we all decided to resign. Before lunch we all submitted our resignation letters. He was hell shocked and reported to the owners of the company. The owners immediately came and they discovered why we resigned. Come lunchtime, our boss was fired and they apologized and increased our salary. We told the owners that we love their company but we can not tolerate maltreatment.
@ericlee2931 , no. Create a roadmap before you apply for a job. Your top priority is protecting yourself and your health! Companies now are dangerous! They can easily shutdown and just declare bankruptcy! And leave all of you to rot in hell! Im sure you already saw this so many times!
@ericlee2931 , here in my country, it is almost impossible to apply for a new job if you are working! All companies will call for an interview during the time you are working. They really made a system where it's going to be impossible for you to apply to another company. Like I said, strangle hold!
I’m not going to have the kind of life in retirement that I had dreamed of. And I’m not talking financially. I have been abandoned by my family so I am alone. My health is good. I’m mentally sharp. My job keeps me engaged and gives me something to do. If I were to retire, I think it would kill me.
My wife and I are 57. She is preparing to retire from the Federal Government (who we both work). For the past couple years, I have been studying about retirement and learning a lot managing investment savings. Since I spend a lot of time with my coworkers, I have imparted my knowledge of what I have learned on to them. And more than one person has told me, why don't I just quick my job and be a Financial Planner? At this point I would be concerned if I F'd ups someone's life savings. The people at work, I always warn them that 'don't blame me' if this plan doesn't work. Basically the disclaimer or this is for education and entertainment only.
Here is a good enough reason: you are almost 62, and ya know you can get your social; you been working for Corporate America for more than 40 years and you are SICK AS HELL OF THEM. And every body around you can not believe you are gonna do it.
I have no mortgage and for the most part, no savings. I'm hoping to semi retire after 2025. With SS ( not a lot) and working two days a week ( current employer) I think I can make it. My home will be on a lake so my entertainment is just off my deck. No need for vacations. Of course Michigan Winters may suck! Lol
Once you hit a certain age, if you pull that "trigger" and retire.... youre now "marked"! You may never work full time again! So make sure you have the money first, before you pull that "trigger" and finally retire. Ive learned more about myself and others...AND politics since I left my "professional" career.... Ive learned how to manage money better, and not be wasteful, and live more frugally. I've learned more whats REALLY important in life. But for me, I still need the interaction with people, but on a part time basis (a part time job). Stay healthy, exercise, quit throwing away money, and enjoy the life in front of you! You always had that opportunity, but always were afraid to "pull that trigger". If you prepare for retirement, youll be further ahead when you do.
After 22 years working in Corrections, I was in a bad head space. When ppl asked me “what do you do for a living ?” I would reply “ I work in satan’s anus.” It was time for retirement 😂
Never thought of it that way. I enjoyed working. I worked in a semiconductor wafer fab clean room with all these hot young asian women. I was the >>CHAD
Can you please give signs to young people now not to get married and have kids? If you see these signs, don't get married and have kids! 😂😂😂. This young generation now will surely suffer a lot more than their parents! Please warn them!
Don't worry, there's losers all over UA-cam telling young adults not to do what young adults have been doing for millions of years. This presenter is also a middle-aged professional, you know, an actual successful person, with adequate resources to support a family, not a whiny, scared 20 something
All sounds grea. But, get real. Money is TGE factor determing whether you can reture ir not. I am sel-employed with no pensiin. And my SS would never cover my expenses. So, retirement us just a dream for me. I have reduced my workload though. PS, spend more time with friends or family???? No TY😮
1. Yes 2. Yes, mostly from covid. Haven't recovered to my previous physical activity levels. 3. No 4. Yes, trying to do this as well since parents also retired. 5. I have a general plan. 6. Yes, if I just want to barely live. I'm not in the medical field and just turned 34, but I certainly feel like retiring.
I’m not going to have the kind of life in retirement that I had dreamed of. And I’m not talking financially. I have been abandoned by my family so I am alone. My health is good. I’m mentally sharp. My job keeps me engaged and gives me something to do. If I were to retire, I think it would kill me.
@ my husband had an affair with a co worker and started treating me terrible. He then divorced me. My son and I had a very close relationship until he met this narcissistic young lady. He fell in love with her and married her. She hates me. For what reason I don’t know. My son decided to abandon me for her. We have not spoken in four years. I know mothers-in-law get a bad rap, but the only thing I ever wanted to do with her was love her like a daughter.. I had a fantastic relationship with my mother-in-law and I wanted the same kind of relationship with my daughter-in-law. However, it was not to be.
I'm 65 and I retired at 59 started collecting at 63. I'm low Income, but, I feel I'm Rich !!! I know how to budget and survive. I am sooo happy and Free! Thank God.
@@lindamarconi2913 Awesome 👌
I just retired at age 70 from my full time job but still work part time 20-25 hours per week caring for my mentally ill son. Love that I now get to sleep in. I used to get up at 5:30 am and now wake up at 7 am to make my son breakfast. The money is less since I’ve been retired but I do have more time to care for my son which is nice.
@@kathleenphillips7145 God bless you both
May God bless you and give u strength...I know it will be v tiring...you don't have any other family members...you and ur son only are living ..
That’s wonderful that you can be home to take care of him !
Blessings to you both ❤
Retirement is becoming increasingly challenging for many people. Low wages, inflation, and high rent costs make it difficult to save, and now, even middle-class Americans are struggling to buy homes-leaving them with fewer retirement options.
The rising costs have disrupted my plan to retire at 62, work part-time, and save for the future. I can't help but wonder if those who went through the 2008 financial crisis had an easier time than I’m facing now. The combination of stock market volatility and decreased income is causing me concern about whether I’ll have enough saved for a comfortable retirement.
This is exactly why I value the expertise of a portfolio coach in guiding my daily market decisions. Their extensive knowledge in simultaneously managing long and short positions, leveraging risk for asymmetrical upside, and employing strategic hedging to mitigate downturns significantly enhances performance potential. With their skillset, underperformance is highly unlikely. Having worked with a portfolio coach for over two years, I have realized gains exceeding $800,000.
Speaking of coaching, do you have any recommendations? I have about $80k to invest now that large-cap stocks are trading at a discount.
@@DanöVee 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.
I looked her up online and have already sent an email. I’m eager to hear back soon.
I retired 3 months ago at age 62. One of the things you hear from people that have retired is the peace they experience since they retired. I can’t tell you how profound that peace is. It sounds like such a simple thing, but it is SO life changing. And yes, my life is now game on. My wife and I are FINALLY doing all those things we’ve always dreamed of doing. Moral of the story kids - don’t wait. Live your life. Take control of it. Escape wage slavery.
@@johnbruenn8755 yes! Retired at 63. Been working or in school since I was 16. 40+ years of kissing corporate ass just to pay the bills. Glad to be out of it now. Family is all I care about now. I know I have been lucky.
Retired at 58. Just turned 63. Still working part time in an effort to avoid house work!!
I just wanna spend time with myself...peacefully!
@@someoneelseright4671 Nice
Just so you know, it’s a huge transition. Please be careful before taking the plunge.
@@someoneelseright4671 as @Carnegiered52 said, it's a big change, if you can do it be like me.
I went from 72 hours a week to 40, then to 35 on average, from there I dropped to 30 and now not at full retirement age but close I have gotten down to 20 average a week over the course of a year. Two more years at that then it will work out to 15 a week. And finally down to about 10 am week on average on call. That could mean a few hours a week. Or no hours a couple weeks then a bunch.
Just to stay alert. But slowly progressing down keeps me from going 100 miles an hour to zero.
@@someoneelseright4671 I do to but wonder if I will ever get to that point I love people but they drive me crazy. Sometimes I tell my self I am going to move away one day but they would probably follow me.
@@Carnegiered52It should not be a plunge.
I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.
Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!
That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!
Mind if I ask you to recommend this particular coach you using their service?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Found her online page by searching her full name, I wrote her an email and scheduled a call, hopefully she responds.
Retired at 62, took SS and my pension and dont regret it a bit ! Best move I could have made.
Most people don’t have pensions
Retired at 62 six months ago. I was finding myself waking in the morning saying, "Ugh, I don't want to do this today!" My wife pointed out that I was saying that almost every day. Not any more!! 😊
I’m 62, I have always been single and a loner but I always had a dog. He died a year ago and I have been lost without him. I’m getting s new Irish Setter puppy in three weeks and a retiring. The plan is to make everyday a Saturday just like when my last dog was alive. Long hikes, yard work snd naps.
@@montecraig7032 Great plan!
I’ll always have 1 dog. We had 8 dogs and 2 cats. Down to 7 dogs and 1 cat. As each one does, we are not getting anymore. Until the last one dies. And most are over the age of 10
8 years retired now, retirement was a rebirth. 🎉
I LOVED my career and couldn’t believe I was paid to do it. But, over the past year, it happened - I burned out like a kamikaze hitting a ship. Simply showing up at our project sites felt like a burden. My boss called to complain (after he first had the nerve to ask me a favor!). I pulled to the side of the road and told him I was retiring at that very moment. And that was it. 😊 I’m glad my burnout happened quickly.
I am so ready for retirement in all of the ways, except for financially! Many employees at where I work are unable to retire due to the cost of insurance. Some have run out of money too early. If you are not a lawyer, dentist or other professional, you just cannot retire early. Some are not even able to retire at 70 years of age. I love all of the information to think about before retirement! Thank you for that! Also, I am a single lady at 61 years old, so I have to make sure that I can take care of myself. I am divorced and have no kids or other support. I can only dream about retiring now.
You going to do fine love will find you again. I just have a feeling 😊
Same here I want to retire so so bad,, can not afford it😢
I’m going to retire in May. Will not have much money - my pension (shy of $1000) and SS ($1400?) taking an insurance plan through Pennie. Taking 1 month off then will work part time. My health is more important!
Am 58 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.
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.
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.
please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?
'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
My brain must work differently....I could NOT care less about having " a purpose" just want to enjoy being off the working rat treadmill. Each to their own! Thats the difference between working to live and having a careeer that you love and enjoy. My goal is = NO Stress!
Some folks have jobs that they love, your "working rat treadmill" comment suggest you hate your job. Always pick a job that is fulfilling rather than stressful.
@ericlee2931 yea, cuz all of us always have that choice....lol, maybe in the next life. Retired at 55, so I'm doing OK.
@@justmyopinion4now Excellent philosophy.
No such thing as no stress, but much less stress would be great!!
Yep
60 now and 34 years with a good (great) company. I luv my job and always have a smile on my face at work, my commute is going to push me to retire but not my job. No debt, no kids, I know retirement is coming but I still have butterflies thinking about it.
After 50 years of dealing with the public, I had to retire before I did serious harm to one of them.😖
@@gladegoodrich2297 😃
@@gladegoodrich2297 🤣🤣🤣🤣🤣
Yikes 😮
Dang! 50 years is a long time. I’m glad you made a wise decision. Lol
I retired last Feb 29 2024 at age 60. Today (7 months later) I'm still awake at sunrise and running full throttle bucket-list tasks until sunset time. Everything from inner shop project tasks, canoe/kayaking with family, ATV/UTVing, doing home renovation, doing yard maintenance, to doing monthly "drive about" vacations with my wife and also some local volunteer tasks. For me, it's like every day of my retirement is like previous Saturdays or Sundays (when I need a slower paced day). I'm not bored or wished I worked longer. 0uch! I now enjoy my days without professional stress and hope the daytime daylight hours were longer... When people ask what I do for a living, I simply say.. "I'm retired and loving it!". Then smile back at them..... When to retire? You know when you know. It's that simple....
@@10drowsy Awesome 👌 👏
It’s the money that determines when 😂
@@baybay7898 Life is more than money. It's about enjoying life - regardless if one eats hot dogs/Kraft Dinner or steaks every day. If wondering, I still drive a 14 year old vehicle. It works great - so why replace it (and the need to pay monthly payments for new).? Seriously, money does NOT buy happiness...
Kudos! You obviously chose the correct career path for yourself and were able to retire at a decent age. Unfortunately for myself, I did not further my education, foolishly took my honorable discharge from the military after just 6 years (no retirement), continued to work in the Security career field for a large financial institution and couldn’t qualify for a respectable retirement annuity because I was too young at the time of job discontinuation and I continue working in the same darn career field at 62. Cost of living continues to hold me back from being able to retire. I must now work until I’m probably in my 70’s despite being able to collect full Social Security at 67. Do I have regrets? Of course I do and it’s all because I made the wrong career choice AND didn’t stay in the military!
@@baybay7898It’s ALWAYS about the money. I have been financially insecure my entire life! Even at 62, retirement cannot be within reach for me due to the high cost of living.
At age 50 had a stroke on the job, next day I was notified I don't work there anymore... That was in 2018... Been "retired" ever since.
Co-worker was talking to me about retirement in a couple of years and the plans she had , her husband dropped two weeks ago. Brutal.
57 years old, I enjoy my job, cancer got me 9 months ago, have been off work since. Signs are showing I should bounce back. Having this time off has made me evaluate. For financial reasons I intend to go back but would rather stay home. I now realise how over dedicated I was. And that's in a job I enjoy.
Best of luck to you.
In 2010 I was 49 y/o and had surgery that qualified me for SSDI. Stayed on it for six years, filled my time volunteering for charities,
going to the gym and trying to learn guitar and Spanish. I lived in an apartment that increased in rent every year and
in 2016 I had to return to work. So I started working PT. Then SS contacted me because I was earning too much money!
So I started working FT and cancelled my SSDI benes! Now I am 63 y/o looking to start my SS benes in about 3 years.
And I answered no to 5 outa 6 questions. When I retire I guess I will go back to what I was doing while I was on SSDI.
Financial education in High School would benefit all graduates in the long run. Building wealth takes luck and knowledge.
Government doesn't want smart people,want rats on a wheel of debt
This message needs to go far and wide! We private schooled our son (about killed us financially, but we made it). He says one of the most beneficial classes he had was a semester of financial literacy. He is now 23, making $70k/yr as a federal contractor machinist and SSGT in the Air Guard. He bought a small home on a half acre, owns two vehicles outright, NO debt and a 401k. It can be done!
@akroguy Kudos to you and your son. That seems rare these days. Sacrifice for Investment is a statement I've lived by since 1980.
I am 53 & semi retired. Am loving it & cant wait for full retirement.
Retired 4 years ago in 40s. The math was easy completely debt-free. The social and purpose parts take work. Thank you.
Finally retired at 73 from government service about 36 years. Problem was my job, federal law enforcement defined me. No job, who was I? Had to re affirm who I was. I was not what I did, I was a person with a purpose. My purpose changed, but I’m still me! I sleep longer and quality of sleep is good. Health is good with 3 days a week weight training at the gym and nature hikes. Not a clock watcher anymore. Move and take care of things as I’m ready. No bumper to bumper traffic. Leisure coffee shop relaxing and enjoying life with my wife of 37 years. Planning a trip to Rome for next year. Money is fine. Kids are grown. New lease on life.😅
@@CrimsonRaven51Thank you for your service!
I retired at 50 and have had a few part-time jobs since. Have tried full retirement and to me, it is boredom half the time. Yes, I have hobbies. I believe that to me it feels like I am still contributing to society.
I was very fortunate to be able to Retire last year and I feel like I won the lottery without the millions. The freedom from the politics and dealing with horrible people in the workforce is exhilarating. With me, it wasn't about risky investments it was about sacrificing and making sure that I paid off everything and got out of debt the last 10 years.
Live your life...save..travel..live..tomorrow is not guaranteed..but put some away for tomorrow..just in case
@CNT40868 Reminds me of a Garth Brooks song 🎵....If TOMORROW Never Comes.....
Age 67, still working full time in my own business, much more tired these days but still love it, hope to slow down though
Right on!
I’m happy you love it!
People are facing a tough retirement. and it's even harder for workers to save due to low-paying jobs, inflation, and high rents. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire in.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
Starting year 32 self employed in healthcare. Fed up fighting insurance companies. Gonna be 55 in April and watching all these videos because I’m considering taking down the shingle this year.
@@Matt-1926 Do it!
If you will be retired with no spouse, kids or other family, you may not want to retire at all. Just think, unless you are motivated to do something everyday or just keep some routine, working will help you keep that routine. If you lack enough hobbies ETC, even if just a few days a week work and flexable enough to take time off when you just want to get away will be best to keep you active. Even if you don't need the money.
Right on!
You should stand one side so people can see the board.
@@CT-ig2oz Maybe you should FOCUS on growing your subscribers? 😀
If you don't have enough money to retire, ignore all advice, and go back to work.
Sound financial advice.
Yes, that is the obvious truth.
You can move to another country with much much lower cost of living.
Agree. Grin and bare it, a few extras for the grand kids too. An interesting future awaits them with all the cr-p going on.
As I was approaching 65 my employer implemented DEI and required all employees to classes, especially White employees to take a class on how to be less White. I suddenly realized I needed to retire.
I'm a white rural type of guy and always enjoyed how to improve my attitude towards others. Try it.
1st x viewer new subscriber. 34 year business finance career. Full time RV Nomad since January 2019. 53 solo empty nester. 2x divorcee with one broken engagement. I use pay 2x wives per month. 5 figures per month overhead. Now .. paying ex wives is over. Drastically reduced overhead by 80 percent. Thank you for sharing your knowledge. I relate to this video and inspiration ahead.
@@industrialexitstrategist2022 Thanks for the sub. Check out my RV park videos too.
Since the title of the video is answer "YES" to these qustions..... #5 is not a Yes or No question, maybe reframing it... "Do you know what you will do after retiring? Great insightful video by the way. Time and time again I've seen people that retire at work and they passed away within a year of retiring. This has made me reflect on my own journey to not wait until is too late. Fingers crossed my exit plan is at age 52. 😎
I retired at 62 pension and ss and I'm happy I got up at 3 every morning I had to be in the building working at 5 .
I tick a lot of these boxes except for the last one, which is the gateway to retirement.
For me the most difficult of your question is #5. I ticked all of your other questions at the start of this year and retired, only to find myself going brain dead. After 3 months I couldn’t take it anymore and went back into full time employment.
😢
Agree, #5 is the challenge. Everybody says travel, cruises, but living out of suitcases and constantly moving around gets old fast.
I'm 57, I'm retired but took up an old musical hobby for years now.
Trust me, even a hobby can become a time consuming job that you spend hours on every week to even stay good at.
Your hobby is even a negative when it comes to putting your family on hold.
I have come to the conclusion that when you retire, retire from everything. !
Use your free time on health n fitness and your family.
Take my advice even a musical instrument is a job.
Your family means so much more then any hobby.
As I've said, spend 30-45 min a day on health n fitness, the rest on your family.
Take vacations and live life to its fullest with your family because in the end that drum kit or guitar isn't nearly as important as time with your family is. ~
( time you don't get back, spend it as wisely as possible, and that's on your family.)
Got laid off this year at 61. Spent the greatest 3 1/2 months of my life on unemployment, did take a civilian job on an Army post. Will be 62 in March, and can work 5 years and get a small retirement, I will be 67, full retirement age. Right now, that's the plan.
I just wanted my life back
Good ol question 6, my worry for sure. My financial adviser says I will be OK, but not so sure...
If you're worried about having enough, start adding passive income streams that never dry up then your worries will go away.....
@@DebtFreeDoctorJeffAnzalone "passive income streams"??
I'm 64 1/2 and retiring in weeks and looking for to every minute of my retirement!
The only “maybe” is money. I could but frugally. 2 more years of alimony is forcing me to work while she’s been “ retired” for a few years.
I have friends who simply stopped talking to me after I retired at 48. I'm a retired combat veteran and also retired as an Electrical Engineer. I had enough time to retire with a comfortable bring home of around $10,000 a month. I retired early because with my life style, I knew I wouldn't make it to 65. After being retired for 3 years I was diagnosed with cancer. Like I said, I won't live to 65 but I'm going to enjoy what life I have. Had I not gone to doctor or kept working, I would still die before SS (which is what they want). If I make it to 62, I'll draw but it ain't looking good.
@@JoIn-y5s God bless you
May God bless you with longer life 🙏🏽
I am working 3 more years and I am retiring I won’t get board I have something to do every day. 😊nice video love you brother
Retirees who struggle financially often lack sufficient savings from their working years. Retirement planning plays a crucial role in determining one's financial stability. I've seen this firsthand with my parents, who both had similar civil service careers but different investment strategies - my mom worked with a wealth manager, while my dad relied on his 401(k). Their choices had a significant impact on their financial situations in retirement.
This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.
Its unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. Personally, I've been fortunate enough to earn over 100K passively through invstments managed by a fin advsr, requiring minimal effort frm me. Regardless of economic fluctuations, skilled wealth managers can consistently generate returns and provide financial stability.
I've been procrastinating for far too long, but I believe it's time to take action. However, I'm uncertain about which fin advisr to partner with, and that's holding me back.
@@AnnaWoods-rm7cfI've been able to augment my portfolio considerably by taking the advice of my financial advisor. His name is EDWARD FRANCIS HUTTON. Look him up. When he talks, people listen.
Oh please please please tell us your financial advisors name!!! 🤡😂
I’m 60 and retired in June. Life has never been better!!
@@JefferyBailey-b9q Congrats 👏
Had to retire at age 50 due to several medical issues... Worked 38 years and my best years are behind me.
I feel I need to retire to take care of my health. Covid related illnesses have left me so tired and damaged my lungs. My issue is the last part, but I'm determined to continue to work a little in some capacity to add to my income, I'm just not clear on what I can do. My current job is physically and emotionally draining, and I've already transitioned to 2/3 time but it's still too much. I love to volunteer and I want to travel so I'm not worried that I won't know what to do.
I am a surgeon with a net worth that puts me firmly in the 1% Financial Club living in California (I have zero debt and in excellent health). I still work full time at 76. When I was in my late 30s, I began to think about retirement. I took classes in health insurance and now work as a medical director for a large health insurance company making a whole bunch of money. Although I do not need the income to live, all this extra money goes into my investments plus it allows me and my wife to fly first class to anywhere in the World (we don’t use travel “points!”). The colleagues who retired early now regret their decision because of the Biden inflation!!! These colleagues now have to watch their spending, budget, check their expenditures and travel “economy class” when they go on vacation. Living the dream!!!
Work has provided me with money to be able to live, but at the same time, it has robbed me of a lot of things ,like happiness and health.
Im 51 will retire next week
I didn't expect retirement will be a tough decision.
Health insurance costs is what keeps us from retiring early. Any advice?
Medishare: www.debtfreedr.com/medishare-review-how-i-saved-1116-a-month-on-health-insurance/
Yes, live a healthier life style if you can.
Yes. Vote for politicians who can drag the US into the 21st century and join every other developed nation in agreeing that healthcare is a fundamental human right.
That was my concern at 62 when I wanted to retire. I blinked, and now I'm 65. Stick it out.
Medicare is $180/mon
Thank ýou I needed this struggling with right now verý helpful
I am nearly 61 and just can't afford it. Rents are so high, food and bills, it's impossible. I don't qualify for state pension for another six years in UK. I have already reduced my working hours due to health problems but it is difficult financially.
Yes and my doctor just told me straight forward like she did not care she said Find you a Hobby. like don’t complain
At a certain age and with grown children, most people are ready to retire. Doctors, dentists or other highly paid professionals should save money to retire someday. Financial freedom is what we seek and can be attained with plannings . Delayed self gratification is also key to financial freedom. Easily said but difficult to do. Good luck to all!
Of course I learned this a bit late but better late than never. Now my health is declining and it’s time to take care myself.
U R A Blessing👏🏼🙏🏼
If your work is not healthy anymore, you can't rest well, eat well and your boss keeps increasing your workload, RESIGN AT ONCE!! Your top priority is yourself! Above all, love yourself first! Even doctors and all healthcare workers are not working healthy anymore and they are getting sick of so many diseases!
Your absolutely right, yes get out, but avoid the resign at once scenario.... get out very soon but take a few weeks to plan a beneficial exit. if you can get the company to let you go, you can apply for unemployment compensation. If the retirement funds are not there, then create the next roadmap before the exit.
@ericlee2931 , before I apply for a job, I am already prepared if things go bad. That's why I can afford to resign at once. I have a plan B and C in place. I tell my boss, your time is so precious, so as mine! The amount of work you piled on me is already for 2 or more employees. I will surely fail and you will get mad at me and I will not let that happen. The bulk of work that you piled on me is not healthy anymore and my top priority is my health. Here in my country, there is no employment compensation and no college loan to pay. That is why we were taught to prepare and have a back up plan before we apply for a job. It was so easy on me because Im single and have no kids. I told everyone in my company, if you are already married, have kids, house and car loan to pay, you can not do what I did! This company have a strangle hold on you! I will only get married and have kids if I am already totally secure in my company, a house and a car that is fully paid. Sorry but I call the American dream, a strangle hold on the working class because of the huge loans you have to pay! And the beauty of living in a poor country is that you are all alone! Our government does not care for us, so we learned to survive at a very early age. My grandfather who sent me to school made sure that I will be able to survive all the challenges that will come to me. He said, only love your company, your country, etc, if they really love and care for you! This planet is your enemy! We are all just expendable slaves of the rich and our government. I happen to see Nomad Capitalist and I loved his motto! Only go where you are treated best! So I did right! I see bad treatment, I resign at once.
@ericlee2931 , if all the working class did what we did, all companies will treat us well! Imagine if all employees will resign in one day! Unity. That's the problem! Now, it's to each his own! This only happened once in my life. Our department consists of 50 employees. Our boss maltreated our department. So we all decided to resign. Before lunch we all submitted our resignation letters. He was hell shocked and reported to the owners of the company. The owners immediately came and they discovered why we resigned. Come lunchtime, our boss was fired and they apologized and increased our salary. We told the owners that we love their company but we can not tolerate maltreatment.
@ericlee2931 , no. Create a roadmap before you apply for a job. Your top priority is protecting yourself and your health! Companies now are dangerous! They can easily shutdown and just declare bankruptcy! And leave all of you to rot in hell! Im sure you already saw this so many times!
@ericlee2931 , here in my country, it is almost impossible to apply for a new job if you are working! All companies will call for an interview during the time you are working. They really made a system where it's going to be impossible for you to apply to another company. Like I said, strangle hold!
I work in radiology, and have no idea what I'll do with myself if I suddenly have nothing to do. I can retire now but fear the boredom.
@@KJ-of6lf Retire TO something. Heck, if you can't think of anything, mentor med students.
I’m not going to have the kind of life in retirement that I had dreamed of. And I’m not talking financially. I have been abandoned by my family so I am alone. My health is good. I’m mentally sharp. My job keeps me engaged and gives me something to do. If I were to retire, I think it would kill me.
God bless you. ❤
Retired already, no need to answer any questions. 🎉
@@Devilcity6275 Congratulations. How's retirement?
If I had a pension and healthcare benefit I'd already be retired. Since I don't, I keep working.
My wife and I are 57. She is preparing to retire from the Federal Government (who we both work). For the past couple years, I have been studying about retirement and learning a lot managing investment savings. Since I spend a lot of time with my coworkers, I have imparted my knowledge of what I have learned on to them. And more than one person has told me, why don't I just quick my job and be a Financial Planner?
At this point I would be concerned if I F'd ups someone's life savings. The people at work, I always warn them that 'don't blame me' if this plan doesn't work. Basically the disclaimer or this is for education and entertainment only.
I retired at 50 and never looked back
How about those of us who work in construction!
Here is a good enough reason: you are almost 62, and ya know you can get your social; you been working for Corporate America for more than 40 years and you are SICK AS HELL OF THEM. And every body around you can not believe you are gonna do it.
I turning sixty-two and know I cannot retire. No savings. No home. Nothing but 401 fools gold.
I’m 64 in the same boat, it’s scary
I enjoy my job too much.I would never want to retire until I have to
@@timothyadams9612 Awesome 👌
I gots to know🤣not really.
RETIRE!....STRESS #1 KILLER...$$$$ IS NOT THE MOST IMPORTANT THING...$$$$ COMES AND GOES
When you have no mortgage
YES, I agree
I have no mortgage and for the most part, no savings. I'm hoping to semi retire after 2025. With SS ( not a lot) and working two days a week ( current employer) I think I can make it. My home will be on a lake so my entertainment is just off my deck. No need for vacations. Of course Michigan Winters may suck! Lol
Once you hit a certain age, if you pull that "trigger" and retire.... youre now "marked"!
You may never work full time again!
So make sure you have the money first, before you pull that "trigger" and finally retire.
Ive learned more about myself and others...AND politics since I left my "professional" career.... Ive learned how to manage money better, and not be wasteful, and live more frugally. I've learned more whats REALLY important in life.
But for me, I still need the interaction with people, but on a part time basis (a part time job).
Stay healthy, exercise, quit throwing away money, and enjoy the life in front of you! You always had that opportunity, but always were afraid to "pull that trigger".
If you prepare for retirement, youll be further ahead when you do.
@@arthurshingler2025 There is only NOW.
@@DebtFreeDoctorJeffAnzalonetrue, but the quality of your future nows depend greatly on the decisions you.made throughout your past thens
I’m going to live for all eternity because Jesus Christ is my savior
Amen
If you don't do things while working, you won't do them retired.
Unless you make a plan to do it and take ACTION.
Did we have able to get retired 55 or else who knows
Im 40 and have debilitating arthritis.
Who cares about retirement if life is torcher.
After 22 years working in Corrections, I was in a bad head space. When ppl asked me “what do you do for a living ?” I would reply “ I work in satan’s anus.” It was time for retirement 😂
Oh my! Lol
It’s much easier for a doctor to say he’s going to retire early in life.
@@stephenbonin3049 Not really
Big off b
Never thought of it that way. I enjoyed working. I worked in a semiconductor wafer fab clean room with all these hot young asian women. I was the >>CHAD
Be careful with those Asians. They’re gold diggers.
Can you please give signs to young people now not to get married and have kids? If you see these signs, don't get married and have kids! 😂😂😂. This young generation now will surely suffer a lot more than their parents! Please warn them!
Don't worry, there's losers all over UA-cam telling young adults not to do what young adults have been doing for millions of years.
This presenter is also a middle-aged professional, you know, an actual successful person, with adequate resources to support a family, not a whiny, scared 20 something
All sounds grea. But, get real. Money is TGE factor determing whether you can reture ir not. I am sel-employed with no pensiin. And my SS would never cover my expenses. So, retirement us just a dream for me. I have reduced my workload though. PS, spend more time with friends or family???? No TY😮
@@debbie9929 Everyone is where they are for a REASON.
1. Yes
2. Yes, mostly from covid. Haven't recovered to my previous physical activity levels.
3. No
4. Yes, trying to do this as well since parents also retired.
5. I have a general plan.
6. Yes, if I just want to barely live.
I'm not in the medical field and just turned 34, but I certainly feel like retiring.
I'm sorry, Covid has done a number on me too; I'm not the same. There are many people in our situation.
I 'll work until i.die
The advice about how to fill your time in retirement is only appropriate to those who love their jobs.
Broke!!! 😢😢have to works.know such things retirement anymore food prices rent health insurance
Retirement is pass dream,. Average
People have work till you die
The only real question here is the last one. It's all about the money.
You retired when a dei hire replaces you
Feet hurt bad retire
3 more months and i am officially retired. Cant wait
@@JeffreySmith-hx9hb Congratulations!
I’m not going to have the kind of life in retirement that I had dreamed of. And I’m not talking financially. I have been abandoned by my family so I am alone. My health is good. I’m mentally sharp. My job keeps me engaged and gives me something to do. If I were to retire, I think it would kill me.
Why did your family abandon you?
@ my husband had an affair with a co worker and started treating me terrible. He then divorced me. My son and I had a very close relationship until he met this narcissistic young lady. He fell in love with her and married her. She hates me. For what reason I don’t know. My son decided to abandon me for her. We have not spoken in four years. I know mothers-in-law get a bad rap, but the only thing I ever wanted to do with her was love her like a daughter.. I had a fantastic relationship with my mother-in-law and I wanted the same kind of relationship with my daughter-in-law. However, it was not to be.