Great advice Azul. I’m 3 years retired now, just about to turn 65. I’ve never been happier, slimmer and fitter in my adult life. I sleep at night. I honestly believe that I have added a few years to my health expectancy by retiring relatively early and living well. My gym is my garden and bike for local transportation. Simple things bring me great joy now.
As an airline pilot, traveling is literally the last thing I want to do when I retire. My goal in life is to never get on a disgusting airplane ever again. I never want to sleep in a hotel again too.
We are two 61 and 58 have not flown sense attending a wedding in Las Vegas in 2000, it was bad then and could not imagine flying commercial again and that goes for today's hotels, they are nasty per our friends that do still travel, we do not get it. Lance.
I’m a businessman who’s traveled a lot and traveling is not high on my list. I’ll do some with loved ones etc. But I consider it a cost savings in retirement. 😊
Retired at age 53, I am in my early 60s. Because they couldn't understand the idea of not working if you don't have to, many individuals resisted me. I viewed my life in phases. In my latter years, I owe it to myself to "stop and smell the roses," even if I have worked hard to get everything I have now. My situation is that I retired and moved to Latin America. It made it possible for me to enjoy my new surroundings while escaping all the bad things that were going on in America. None of the people I've met regret retiring.
Nice way to retire. For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement fund has grown way more than it would have with just the 401(k). Haha.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than a million dollars by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
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.
I travelled all my life and saw the world. I hate travel. My retirement? Being a home body: Yard Work, Gardening, Cleaning the house, Reading. The first year of retirement I read over 100 books on my 1500 book list. I also spend a lot of time with family and my dogs. This is the life I always wanted. Guilty pleasures? Chiropractor and massage once a week. ... I have never been happier.
I agree…I think traveling is overrated. I have a special needs child I plan to support as long as I can. Traveling can suck at times, BUT we own a boat and plan to hold onto it into retirement. My son loves it. It’s like going on vacation every weekend about 20 minutes away from home.
News for you - you didnt travel all your life , you worked and it involved travelling. Really not the same. I wont travel much either as I travelled alot - but it was always pleasure. I would like to have been paid to travel the odd time
@ You didn’t have to be a jerk about it. The guy made a good point. I do know a lot of people who travel for work their whole life and felt the same way. There’s pleasure in just staying home for a while.
@@clarkpalace How do you know this person didn't travel for pleasure just like you? I did travel for work and for pleasure but now I really dislike staying in impersonal hotels.
Retired in 2018. Its Monday and snowing (about 10") and I don't have to go anywhere. Sitting here doing nothing, but drinking coffee and watching TV. I've traveled early in retirement but slowing down lately. Still not spending enough.
WONDERFUL video! I just retired 2 years ago and have been super frugal all my life. Now it's time to let go a little and enjoy the results of so many years of work. A lot of the things you mentioned I'm already doing, but you've given me some more ideas to live life more fully. Thank you !!
I did buy the RV, and yes, I have used it. First, it is a hobby. You always have something to work on. You better be handy if you own a RV because they are all need work. The real reason I bought it was to drive to Alaska. I know, you can fly to Alaska and rent one but try crossing into Canada with it and see how that goes. The Glaciers, the Ice fields, parking on the Ocean, seeing Denali, the hot springs, using a small ferry to cross the Yukon River, border crossing at the furthest northern border. The quaint little villages. I also have some great conversation starters now. So many folks want to know about my trip. Shout out to our friends up north! You were nothing by nice to us.
I liked your comment about buying used. We don’t always have to buy new stuff all the time. This World is so full of stuff. We have enough clothes now to dress six more generations of people. Have you looked at vintage stores or your neighbors garage? Stuff and more stuff!
Had a boat, but had to sell it as my dog was freaking out. Bought a micro camper (only 1800lbs) and love it! Spent 10 weeks in it this summer. Planning the same next summer.
Spend the money in comfort where you stay when traveling, whether it be first class seats (I have a tall husband) or a king sized bed in a quiet area, rest and sleep at so crucial to one’s health!
You are absolutely right!!! We are retiring in few months and have sold our house to do exactly that!! Smaller home but with all the amenities we always wanted!! We are major home bodies!!
I have turned my four bedroom home into a large one bedroom house with a pj lounge, a multi purpose study/craft room with a sofa bed, a basement apartment, using every inch!
Great advice Azul. I retired almost two years ago and so many of my colleagues and friends thought I was crazy for leaving such a lucrative career and at the top of my game. While I'm still making that transition to spending versus accumulation of more wealth, my days are richly filled with adventure travel, fitness and the joy of learning new skills. You have taught me to fully maximize the youth of my senior years. Well done!
I'd be careful with two capital expens(ive) purchases...RV and boat. A LOT of people dream about sliding into those particular lifestyles, when in reality it's only a small minority that thrive and get pleasure from them. Always rent first to see if it's for you. Know that you are not only committing to a purchase, you are also committing to a lifestyle and a never ending stream of ongoing maintenance expenses.
I started boating when I was about 6 and have boated my entire life. Got into sailboats when I was about 16. I had a sailboat in New England and my brother had a sailboat in Miami. The boat was literally like a small condominium that I could move around. We were on it just about every weekend in the summer and many afternoons and spent many winter trips to Miami to go sailing. Sailing is especially an activity with lots of facets. (Technical skill, weather/tides, chart reading, exploring, just relaxing) Lots of inexpensive older sailboats out there for under $30K.
Totally agree with renting to see if it fits you first. Rented a 25’ airstream and borrowed my brothers truck and the first two days were convincing us we were not RV-ers. After getting over the anxiety, we enjoyed the next 5 days, bought a 28’ and have sent 90 nights and traveled 17,000 miles and counting. Love getting out in it and hope to do a lot more as we get into retirement next year.
I really enjoy your content. In some ways it's confronting to hear how little time we have let alone how long we have when we're 60 or 70. You're right. Try to live a full life with less regret.
1. Take up tennis... 70 year olds beat me all the time, because they play chess with placement and spin even though I am faster than them. 2. Really don't get RVs. Easy to get points for Marriott or Hilton and just drive place to place. I did it a 2021 manual transmission Ford Bronco. Drove from Detroit to San Diego over 10 days in it. Had a little plug in cooler in case I needed a bit of food in the middle of nowhere. Comfortable, fun, and minimal overnight cost because of hotel points. AND I could take the Bronco to places in National Parks that I would not be able to get to in an RV.
I traveled so much during my working life; it's not off my list but way down I still keep a vehicle, but I drive about 10 miles per month My yearly maintenance mechanic gives me a smile
I'm 75 now and very much appreciate staying in my home which is a beautiful place that I fixed up to be exactly what I wanted. Oh yes I will travel some. The home sweet home is where it's at.
Cheers Azul, just caught this and so glad I did. Watched a lot of your stuff a couple of years ago when I was approaching retirement and dealing with an inheritance/elder care. A great help.. it's like talking to an old friend or elder brother. Appreciating your kind wisdom.
We look at retirement as a series of chapters- based mostly on how we guess our physical state will be at each stage. Thus a renewed focus and preoccupation with supporting our physical and mental health is the foundation (because if one spouse is knocked down that limits the choice of both). Chapter one is buying an RV and travelling across the US and exploring the magnificent geography and history. We travel in the Fall, Winter, Spring and spend the summers on our boat. Out of doors is important. Having your own bed, your favourite stuff and kitchen (managing your diet) is important.
Travel is my passion. I have plans for 2 major trips throughout the next 2 years. You get the joy of planning and anticipation, the joy of the trip and the friends you meet and then the joy of reminiscing and enjoying your pictures after.
As important as working to not run out of money in retirement, it is also important to remember that you will also run out of time to do the things you’ve always wanted to do.
This is my fifth year after retirement. I’e been following the 4% rule thing I saw on a youTube channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get really worried.
Not a lot of people are able to save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
I’m closing in on retirement, too, and I have benefitted so much from using a financial advisor. I didn’t start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in more profit than some of my peers who had been investing for many years.
'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.
I moved to where I wanted to live, in a home that is maintenance free, without ANY regard to my kids wishes or convenience. I bought an outrageously expensive yacht and sail it often. I also bought a “retreat” away from it all, to go to whenever I want, I have planted an extensive orchard and am looking forward to the crops in future years. After all that, I find I have more money than when I started! Due to relatively conservative investments my income is growing faster than I spend. My next project is to fully automate both homes, full security, CCTV, lights, A/C etc. I’m really enjoying being able to decorate and live in my homes without the “supervision” of a female. I tried travel, but a single male is constantly pestered. I did another trip with an old friend, we each found we “bent” to the others convenience to often.
I always appreciate your "enjoy yourself" reminders to us retirees and an emphasis on health. I was surprised you didn't mention buying toys used (then selling) but great recommendations all around!
I retired at 58 about 6 months ago and loving life. My passion is cycling and have $30k worth of bikes to enjoy it! Also travel - we have a great caravan so doing a lot of exploring around Australia with it. Next year we have 4 months in Europe where we will buy a motor home and travel around. I am definitely going to enjoy and make the most of my youthful retirement years
Taking care of yourself with small indulgences is great for mental and physical health. These help us to buy health time later in life. Great advice Azul, keep up the great work!
i LOVE mowing my lawn, too! i get a few miles in when i do it. and i love having a project, improving something, and not hiring others to do things i can do. i feel like it's a privilege to own a home, so take care of it! :-- but i'm the only one in my neighborhood who still does their own yard. i wish everyone else would stop hiring leaf-blowing services- they literally wake me up EVERY DAY OF THE WEEK! can't we organize a neighborhood rule that they all must blow on wednesday afternoons ONLY.... hahaha
One reason old folks have so much of their savings is that the market grew. Had the market been flat they would have spent 50%. Since you don’t know what the market is going to do , you can’t spend big early on. One partial solution is to take 5% of your portfolio each year, not adjusted for inflation, just a flat 5%. This won’t endanger your nest egg but will let you enjoy the good years 😊
Bought our first RV two years ago and have loved getting out with my wife and seeing the Nation. She retired this week and I will retire at the end of this year and hope to travel heavily for the next few years while health is good.
You suggest "spending on things you truly dislike doing." I would say, rather than hiring a gardener or house cleaner, consider shifting your mindset from "I hate this" to "This is great exercise, and now I can skip a separate workout!"
I completely agree. Mindset is everything! However, there is nothing wrong with “spoiling” yourself occasionally as well. Thanks for watching and for taking time to comment. 😎 Azul
We canceled our housecleaner after I retired because right now, I want to know that I can! It helps to stretch and condition different types of muscles and joints and is great exercise in the S Az heat, indoors. Plus, I can “afford” it more regularly.
@@AzulWellsagree. I do my own lawn care but hire folks to do the spring clean-up and rake up the massive amount of oak leaves. It gives younger folks some work and they will do a faster and better job than me. (And it takes a team of them LOL)
Because I am needed as a medical doctor I cannot retire before 67. So I started most of these cool suggestions at 40. Bought good cars instead of junk, did the RV and must say should have rented instead, got the dream house, travelling like crazy around the world, did krav maga. Come the R day will be cooling down and just volunteering,tennis and learning new stuff like playing the guitar.
Do things sooner than later. Last September my wife and some kids were in Kauai hiking and bodysurfing, I’m 70, having a ball. By mid October I was put on oxygen 24/7 and no they haven’t figured out why, yet. Still running tests. So don’t procrastinate.
Great advice. Currently sitting on my catamaran in Grenada getting ready for our third season in the Caribbean. Then we’re moving to Spain for a few years!🎉
We bought a used 19' Yamaha jet boat a couple years ago and it's been great. Super easy to maintain yourself and being a jet drive it doesn't require winterization. It is pretty heavy on the gas use and premium needed due to supercharger but if you make it part of your budget it's not a problem. I would recommend saving up cash for toys. Having a payment on a boat, RV, atv, etc would suck the fun out of ownership when you write out that check each month.
Also, I already live at the beach, on a small US island in the Atlantic, my house is built on pylons for floods and hurricanes. Alternatives to the sailboat for retirement include living in Asia for part of the year (I travelled Asia extensively for work for many years), and or getting a house closer to the ocean or gulf. Cheers!
Don’t buy your toys new: rent or buy used. Sell as soon as it’s not that exciting anymore. I am 58 and so far I have more or less always sold my toys for more $$ than I bought them, granted, with a little of work put into them.
Great advice! We did work hard to save up for retirement, and love your #1 advise, to spend your money! It will be hard to get on board from forever saving, to now spending, but spend and enjoy! That’s what we save it all for😀 Love all your video’s!!
Haha save golf for later in life. I've been golfing all my life, it takes years if not decades just to be average because golf is extremely difficult. My point - you can do both. Start it early and slowly get better over the years of your retirement.
My mom is 95 with dementia, and is currently bed bound. She did do a lot of travelling in her sixties, but could have spent more. Owning a house in your eighties doesn't bring a huge financial return, that capital could be better spent elsewhere. Plus, even if you want to leave a legacy, moving into an apartment will force downsizing.
I've rented both an RV and a boat on several occasions and it's so nice to know that once I drop off the keys I'm done with it. They are definitely fun for a week or two, but I couldn't imagine owning one.
Can’t speak about campers but have always paid cash for boats. I do what I can afford to do and I wouldn’t charge a thing. I’m not retired but close to it and have enough saved for it.
I've tried coming up with ways to meaningfully increasing our enjoyment with more spending but keep failing to find anything and what I do find is so inexpensive it's not an issue. I brought up more dining out with my wife and she said "When you can cook like this at home it really is just stupid to eat out." and honestly she's right. I've already got all the tools I'll ever need since I built my own home and worked on our own vehicles including rebuilding an engine. I've looked at RVs for years but they're poorly made, the entire industry has poor service and they're money pits and time sucks. Additionally I'm not interested in the standard RV systems like black and grey tanks, sensors, "pyramiding", dump stations and the dreaded "stinky slinky". Then there's the costs, the campgrounds that would be my version of hell and a host of other problems I don't want. Instead I'm keeping my eye out for a deal on a 2020 AWD high or mid roof Ford Transit van to convert into a lightweight and flexible camper van that's exactly what I want with nothing I don't. I find that over-spending on things takes the fun out of them and a used van bypasses that perfectly.
At 62 we cycled Vancouver to San Diego,then Bellingham Washington to New York then up to Montreal all leg power in 120 days, being from England always wanting to do so just did it ,we still work part time till 2025 before we cycle in South Korea and Japan then we will just cycle in Europe and the UK.Never delay just do it.
travel sounds painful. always been a home body. putzing is a way of life. wife passed, no kids. family long gone. days of meandering after 6 day work weeks is pure pleasure. i go to bed whenever i choose. i still have the alarm set for 6.30 a.m. it's in the other room. i don't always hear it. when i do, i just grin, wait till it stops, then roll back to sleep.
Greetings Azul! Very thought-provoking video. I'm taking a very short trip to Florida this weekend and needed something to read in-flight. Today I purchased 'From Strength to Strength' at your recommendation. Can't wait to dive in! Please know I REALLY enjoy your videos and appreciate the knowledge you share with us. A pre-retiree. :)
I love it that you call the sixties the youth of retirement. That is really wise. For fitness, I have a peloton bike and a gazelle (the dorky thing that the guy with the pony tail advertises). Hands down, I prefer the 300 dollar Gazelle over the 3K bike. It is a great workout and so easy to do! On travel, like a lot of people on here, I worked in a Saudi Arabia hospital in my 20s and got traveling out of my blood early on. I would consider living overseas, but traveling is scary nowadays!
Thanks for the video. Seen too many die with loads of money to watch their kids get it and blow thru it. Heard one couple tell me they were on a S K I Vacation. Looking at them i knew they werent really agile enough and they explained SKI= Spending the Kids Inheritance 😃
Hopefully will retire no later than 62 here... Please, dont be it's all abt me when you have your freedom and your bag of money, take good care of your own blood and flesh if you can, create a legacy/ trust for your kids, grandkids, whoever is connected to you by blood, make sure they dont go without a health insurance at the least; some kids are great and would take care of you when you're old; some kids r irresponsible with their lives, dont disown, look back, where that behavior comes from, it's in genes; take care of them... With the big stuff, it's all requires management, dont live frugally, but only buy something you could manage easily, less stress is in simple living with less staff to manage... Love you guys, thank us all for our lives full of hard work, families and study, hopefully we will continue to enjoy life for as much as possible!!!!!
We retired at age 62 five years ago and are having the time of our lives here in Montana. We don't spend much money because we have no debt and we enjoy fishing, hunting, backpacking, cross-country skiing, gardening, etc. Question: Is it better to let our 401 k grow and withdrawal from our Fidelity mutual funds, or let our Fidelity mutual funds grow and withdrawal from our 401 k? RMD at age 73 will likely be about 100k. Thanks.
I did a lot of traveling in my 50s and 60s (around Europe). 66 now. Not retired yet and probably will never be able to afford it so maybe I’ll travel still. I might get a second car like a Miata, as a usable, practical toy. Go to the beach more. I’m unfortunately always redecorating. I will need to stop that. By the way, budget hotels in Europe are already fantastic. I enjoyed the latter half of my life a little too much and now don’t have much money. Who knows if that was smart.
I just gave my son $22,000 for home repairs. Plus I bought $10,000 worth of mirror less camera gear. Since our house is paid off and have zero debt, I plan on enjoying retirement.
Most of my money will go to help my son buy a house (reality these days)…. Then he can get married, have my grandchildren, get divorced and lose 60% of the house to his ex…. Then again, maybe I spend it?
I'm retiring on 5k per month, don't own a house, I won't be doing much. 70 million people on SS and our government has priced most of them out of the economy.
I get much less & own my home outright. It’s not what you make but how you spend your $$$. Btw its NOT the gov’t that decides home prices but the owners via the market.
I'm planning to invest $200k for my long-term retirement goals (5-10 years). Considering the 'Mag 7' stocks, which one can be recommended as the best performer in terms of profit and loss, given their recent challenges? I'm looking for stable growth and reliable returns.
One of your best videos Azul.Visit with a financial advisor to optimize your portfolio's long-term growth, identify opportunities especially amidst underperformance by some 'Mag 7' stocks. They'll assess your risk tolerance, diversify your portfolio, and create a tailored strategy considering dividend yield, valuation, and industry trends.
I agree! Working with a seasoned advisor helped me build a $1.8 million portfolio. Through 25 years of maxing out my 401k, investing in properties, and tutoring languages (making in ballpark $200k/yr), I wasn’t saving enough or budgeting well enough. I learned the value of diversification, tax optimization, and risk management during the lockdown, I took the opportunity to contact my fiduciary right now and was shown a whole new way of looking at investing, starting under her guidance with bare 150k I have been able to grow my nest egg.
Impressive! With a $470k portfolio and 4 years until retirement, I'm seeking expert advice on maximizing returns. Could you share your advisor's contact information? Are they well-versed in retirement planning?
This boater suppression gets a bit tedious. Ever consider selling your home & car and living on a motor vessel in the Washington Channel? Basically car camping on the National Mall. Entire world class city within walking distance. If things get too weird can alway cut the lines and head to safer harbors.
Watch sports on a cool tv-help those in need-appreciate what you have-be happy-stop talking-humble bragging and listen more-move to Thailand-a much younger and prettier gf who actually is thin and likes you-live a stress free life!
Planning to retire in the next few years, and I've been getting all my toys: music equipment, motorcycle, and sports car. Now I plan to sell my powerboat early next year and get a sailboat which is the last big ticket item before I retire.
Silly to actually try to spend your retirement savings. I can't imagine the nightmare of realizing that I'd out spent my nest-egg, at 95. The rest of the video is great.
I'm gonna go out buy a new car with my retirement money. Oh, wait, they're a $100000 dollars now. Okay, I'll take a trip to Hawaii because I did it a few years ago for $2000, oh wait, that's 6k now! It's not a matter of spending my money. It's a matter of them stealing my money!
I went to Hawaii in my 30s with my girlfriend and it was beautiful - this one hotel we stayed at was called Turtle Bay and I paid $90 a night for two nights. I just looked it up it's $1,000 a night LOL, I'll have to retire somewhere else, me thinks.
No 1,000 weeks is about right if you are in good health when you retire if you retire around 60 you can expect to be in pretty good health up to around 80. Of course if your family is short-lived or has known problems you should take that into account when you're making plans... I'm 75 now and I'm starting to slow down but my health fortunately is still pretty good.
!I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks or Crypto will be appreciated.
As a beginner investor, it’s essential for you to have a mentor to keep you accountable. Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market.
I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $100k passively by just investing through an advisor, and I don't have to do much work. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.
Great advice Azul.
I’m 3 years retired now, just about to turn 65.
I’ve never been happier, slimmer and fitter in my adult life. I sleep at night. I honestly believe that I have added a few years to my health expectancy by retiring relatively early and living well.
My gym is my garden and bike for local transportation. Simple things bring me great joy now.
As an airline pilot, traveling is literally the last thing I want to do when I retire. My goal in life is to never get on a disgusting airplane ever again. I never want to sleep in a hotel again too.
So agree.
Hiking and camping are better choices for you after retirement.
We are two 61 and 58 have not flown sense attending a wedding in Las Vegas in 2000, it was bad then and could not imagine flying commercial again and that goes for today's hotels, they are nasty per our friends that do still travel, we do not get it. Lance.
I’m a businessman who’s traveled a lot and traveling is not high on my list. I’ll do some with loved ones etc. But I consider it a cost savings in retirement. 😊
The career I retired from took me into every corner of the world. I couldn't agree more.
Kind of enjoy hanging out on my property in the woods.
Retired at age 53, I am in my early 60s. Because they couldn't understand the idea of not working if you don't have to, many individuals resisted me. I viewed my life in phases. In my latter years, I owe it to myself to "stop and smell the roses," even if I have worked hard to get everything I have now. My situation is that I retired and moved to Latin America. It made it possible for me to enjoy my new surroundings while escaping all the bad things that were going on in America. None of the people I've met regret retiring.
Nice way to retire. For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement fund has grown way more than it would have with just the 401(k). Haha.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than a million dollars by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
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.
Thank you for the lead. I searched her up on google, and I have sent her an email. I hope she gets back to me soon.
The most important thing is to keep your mind active. For me it is reading the classics. It’s not about spending money.
I travelled all my life and saw the world. I hate travel. My retirement? Being a home body: Yard Work, Gardening, Cleaning the house, Reading. The first year of retirement I read over 100 books on my 1500 book list. I also spend a lot of time with family and my dogs. This is the life I always wanted. Guilty pleasures? Chiropractor and massage once a week. ... I have never been happier.
@@USMC-CAR Yes, I'm also fortunate I can live a simple life and not feel I'm missing out. Living a satisfying home life is my preference too.
I agree…I think traveling is overrated. I have a special needs child I plan to support as long as I can. Traveling can suck at times, BUT we own a boat and plan to hold onto it into retirement. My son loves it. It’s like going on vacation every weekend about 20 minutes away from home.
News for you - you didnt travel all your life , you worked and it involved travelling. Really not the same. I wont travel much either as I travelled alot - but it was always pleasure. I would like to have been paid to travel the odd time
@ You didn’t have to be a jerk about it. The guy made a good point. I do know a lot of people who travel for work their whole life and felt the same way. There’s pleasure in just staying home for a while.
@@clarkpalace How do you know this person didn't travel for pleasure just like you? I did travel for work and for pleasure but now I really dislike staying in impersonal hotels.
Retired in 2018. Its Monday and snowing (about 10") and I don't have to go anywhere. Sitting here doing nothing, but drinking coffee and watching TV. I've traveled early in retirement but slowing down lately. Still not spending enough.
WONDERFUL video! I just retired 2 years ago and have been super frugal all my life. Now it's time to let go a little and enjoy the results of so many years of work. A lot of the things you mentioned I'm already doing, but you've given me some more ideas to live life more fully. Thank you !!
I did buy the RV, and yes, I have used it. First, it is a hobby. You always have something to work on. You better be handy if you own a RV because they are all need work. The real reason I bought it was to drive to Alaska. I know, you can fly to Alaska and rent one but try crossing into Canada with it and see how that goes. The Glaciers, the Ice fields, parking on the Ocean, seeing Denali, the hot springs, using a small ferry to cross the Yukon River, border crossing at the furthest northern border. The quaint little villages. I also have some great conversation starters now. So many folks want to know about my trip.
Shout out to our friends up north! You were nothing by nice to us.
I liked your comment about buying used. We don’t always have to buy new stuff all the time. This World is so full of stuff. We have enough clothes now to dress six more generations of people. Have you looked at vintage stores or your neighbors garage? Stuff and more stuff!
Had a boat, but had to sell it as my dog was freaking out. Bought a micro camper (only 1800lbs) and love it! Spent 10 weeks in it this summer. Planning the same next summer.
I am a cheap retiree. I paint pics in oils, hike and fishing.
You are likely happier and healthier than most
YaY! Happy person doing what they love:)
Spend the money in comfort where you stay when traveling, whether it be first class seats (I have a tall husband) or a king sized bed in a quiet area, rest and sleep at so crucial to one’s health!
You are absolutely right!!! We are retiring in few months and have sold our house to do exactly that!!
Smaller home but with all the amenities we always wanted!! We are major home bodies!!
I have turned my four bedroom home into a large one bedroom house with a pj lounge, a multi purpose study/craft room with a sofa bed, a basement apartment, using every inch!
Oh, Im envious!!!!
What's a pj lounge?
Great advice Azul. I retired almost two years ago and so many of my colleagues and friends thought I was crazy for leaving such a lucrative career and at the top of my game. While I'm still making that transition to spending versus accumulation of more wealth, my days are richly filled with adventure travel, fitness and the joy of learning new skills. You have taught me to fully maximize the youth of my senior years. Well done!
You are helping me at just 54 with a pension as well. Retired w/state pension and hope to be able to enjoy quality years!
I'd be careful with two capital expens(ive) purchases...RV and boat. A LOT of people dream about sliding into those particular lifestyles, when in reality it's only a small minority that thrive and get pleasure from them. Always rent first to see if it's for you. Know that you are not only committing to a purchase, you are also committing to a lifestyle and a never ending stream of ongoing maintenance expenses.
Good honest viewpoint thanks 👍
I started boating when I was about 6 and have boated my entire life. Got into sailboats when I was about 16. I had a sailboat in New England and my brother had a sailboat in Miami. The boat was literally like a small condominium that I could move around. We were on it just about every weekend in the summer and many afternoons and spent many winter trips to Miami to go sailing. Sailing is especially an activity with lots of facets. (Technical skill, weather/tides, chart reading, exploring, just relaxing) Lots of inexpensive older sailboats out there for under $30K.
Totally agree with renting to see if it fits you first. Rented a 25’ airstream and borrowed my brothers truck and the first two days were convincing us we were not RV-ers. After getting over the anxiety, we enjoyed the next 5 days, bought a 28’ and have sent 90 nights and traveled 17,000 miles and counting. Love getting out in it and hope to do a lot more as we get into retirement next year.
I really enjoy your content. In some ways it's confronting to hear how little time we have let alone how long we have when we're 60 or 70. You're right. Try to live a full life with less regret.
1. Take up tennis... 70 year olds beat me all the time, because they play chess with placement and spin even though I am faster than them.
2. Really don't get RVs. Easy to get points for Marriott or Hilton and just drive place to place. I did it a 2021 manual transmission Ford Bronco. Drove from Detroit to San Diego over 10 days in it. Had a little plug in cooler in case I needed a bit of food in the middle of nowhere. Comfortable, fun, and minimal overnight cost because of hotel points. AND I could take the Bronco to places in National Parks that I would not be able to get to in an RV.
I traveled so much during my working life; it's not off my list but way down
I still keep a vehicle, but I drive about 10 miles per month
My yearly maintenance mechanic gives me a smile
Agreed. I never want to see the inside of an airplane again (unless I'm in the cockpit). Much prefer slow travel these days.
I'm 75 now and very much appreciate staying in my home which is a beautiful place that I fixed up to be exactly what I wanted. Oh yes I will travel some. The home sweet home is where it's at.
Describes me perfectly. Did plenty for work. Not off the list but way down the list with loved ones.
@@JohnBeeblebroxanother ungrateful sod 😂
Awesome list. Even in my 50s, walking around southeast Asia wears me out after a few days. Enjoy that money early guys.
Take care of your health #1 priority
Cheers Azul, just caught this and so glad I did. Watched a lot of your stuff a couple of years ago when I was approaching retirement and dealing with an inheritance/elder care. A great help.. it's like talking to an old friend or elder brother. Appreciating your kind wisdom.
We look at retirement as a series of chapters- based mostly on how we guess our physical state will be at each stage. Thus a renewed focus and preoccupation with supporting our physical and mental health is the foundation (because if one spouse is knocked down that limits the choice of both). Chapter one is buying an RV and travelling across the US and exploring the magnificent geography and history. We travel in the Fall, Winter, Spring and spend the summers on our boat. Out of doors is important. Having your own bed, your favourite stuff and kitchen (managing your diet) is important.
Your own bed, yes! Lack of sleep really makes enjoying traveling difficult.
Travel is my passion. I have plans for 2 major trips throughout the next 2 years. You get the joy of planning and anticipation, the joy of the trip and the friends you meet and then the joy of reminiscing and enjoying your pictures after.
I have a great retirement hobby. It is seeing how long I can go WITHOUT SPENDING ANY MONEY!
As important as working to not run out of money in retirement, it is also important to remember that you will also run out of time to do the things you’ve always wanted to do.
One of your best videos Azul.
I agree to all Azul ... Health is absolutely paramount ... my personal choice is a low fat, low carb diet together with buying a rowing-machine!
Interesting. My parents spent all their money and left nothing behind. I’ve created college funds for each of my five grandchildren.
This is my fifth year after retirement. I’e been following the 4% rule thing I saw on a youTube channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get really worried.
Not a lot of people are able to save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
I’m closing in on retirement, too, and I have benefitted so much from using a financial advisor. I didn’t start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in more profit than some of my peers who had been investing for many years.
How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings
'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.
I moved to where I wanted to live, in a home that is maintenance free, without ANY regard to my kids wishes or convenience. I bought an outrageously expensive yacht and sail it often. I also bought a “retreat” away from it all, to go to whenever I want, I have planted an extensive orchard and am looking forward to the crops in future years. After all that, I find I have more money than when I started! Due to relatively conservative investments my income is growing faster than I spend. My next project is to fully automate both homes, full security, CCTV, lights, A/C etc. I’m really enjoying being able to decorate and live in my homes without the “supervision” of a female. I tried travel, but a single male is constantly pestered. I did another trip with an old friend, we each found we “bent” to the others convenience to often.
This is spot on! As it is said "You can't take it with you." ...so...enjoy life now while you can!
learn to cook, grow a garden, travel, pursue a hobby, get fit, relax.
Thanks for the video!! Already did one of them. Hired a landscaper since I’m on travel and never home. 😂
I always appreciate your "enjoy yourself" reminders to us retirees and an emphasis on health. I was surprised you didn't mention buying toys used (then selling) but great recommendations all around!
I retired at 58 about 6 months ago and loving life. My passion is cycling and have $30k worth of bikes to enjoy it! Also travel - we have a great caravan so doing a lot of exploring around Australia with it. Next year we have 4 months in Europe where we will buy a motor home and travel around. I am definitely going to enjoy and make the most of my youthful retirement years
We try to take two or three trips every year. There is a whole big world out there to see and experience.
Taking care of yourself with small indulgences is great for mental and physical health. These help us to buy health time later in life. Great advice Azul, keep up the great work!
My financial advisor :) 👋Thank you so much for all of your advice as it is very helpful.
Mowing the lawn gives a lot of steps so consider thinking about it as outdoor exercise rather than something to hire someone to do for you.
i LOVE mowing my lawn, too! i get a few miles in when i do it. and i love having a project, improving something, and not hiring others to do things i can do. i feel like it's a privilege to own a home, so take care of it! :-- but i'm the only one in my neighborhood who still does their own yard. i wish everyone else would stop hiring leaf-blowing services- they literally wake me up EVERY DAY OF THE WEEK! can't we organize a neighborhood rule that they all must blow on wednesday afternoons ONLY.... hahaha
One reason old folks have so much of their savings is that the market grew. Had the market been flat they would have spent 50%. Since you don’t know what the market is going to do , you can’t spend big early on. One partial solution is to take 5% of your portfolio each year, not adjusted for inflation, just a flat 5%. This won’t endanger your nest egg but will let you enjoy the good years 😊
Bought our first RV two years ago and have loved getting out with my wife and seeing the Nation. She retired this week and I will retire at the end of this year and hope to travel heavily for the next few years while health is good.
thanks for no spotted shirt and yes, my kids bought my wife and I mountain bikes ebikes for Christmas and they are a fantastic
GREAT advice !!!!
You suggest "spending on things you truly dislike doing." I would say, rather than hiring a gardener or house cleaner, consider shifting your mindset from "I hate this" to "This is great exercise, and now I can skip a separate workout!"
I completely agree. Mindset is everything! However, there is nothing wrong with “spoiling” yourself occasionally as well. Thanks for watching and for taking time to comment. 😎 Azul
We canceled our housecleaner after I retired because right now, I want to know that I can! It helps to stretch and condition different types of muscles and joints and is great exercise in the S Az heat, indoors. Plus, I can “afford” it more regularly.
@@AzulWellsagree. I do my own lawn care but hire folks to do the spring clean-up and rake up the massive amount of oak leaves. It gives younger folks some work and they will do a faster and better job than me. (And it takes a team of them LOL)
Great advice. We bought our rv before retirement so we could be fully up to speed when the big day came. We love it.
Because I am needed as a medical doctor I cannot retire before 67. So I started most of these cool suggestions at 40. Bought good cars instead of junk, did the RV and must say should have rented instead, got the dream house, travelling like crazy around the world, did krav maga. Come the R day will be cooling down and just volunteering,tennis and learning new stuff like playing the guitar.
Thank you Doctor, for helping others!!! God bless you and all yours, long happy healthy life!!!
Do things sooner than later. Last September my wife and some kids were in Kauai hiking and bodysurfing, I’m 70, having a ball. By mid October I was put on oxygen 24/7 and no they haven’t figured out why, yet. Still running tests. So don’t procrastinate.
The video is perfect for people who have over saved. Most people aren’t in that category.
handy info for those in the lower end too
Azul, great videos and thank you for creating them. Please keep them coming!
Great advice. Currently sitting on my catamaran in Grenada getting ready for our third season in the Caribbean. Then we’re moving to Spain for a few years!🎉
Happy to stay at home with my newly acquired mini digger, couldn't be happier.
We bought a used 19' Yamaha jet boat a couple years ago and it's been great. Super easy to maintain yourself and being a jet drive it doesn't require winterization. It is pretty heavy on the gas use and premium needed due to supercharger but if you make it part of your budget it's not a problem.
I would recommend saving up cash for toys. Having a payment on a boat, RV, atv, etc would suck the fun out of ownership when you write out that check each month.
Also, I already live at the beach, on a small US island in the Atlantic, my house is built on pylons for floods and hurricanes. Alternatives to the sailboat for retirement include living in Asia for part of the year (I travelled Asia extensively for work for many years), and or getting a house closer to the ocean or gulf.
Cheers!
Love this! Very interesting point of view. Go Azul!
Don’t buy your toys new: rent or buy used. Sell as soon as it’s not that exciting anymore. I am 58 and so far I have more or less always sold my toys for more $$ than I bought them, granted, with a little of work put into them.
Great advice! We did work hard to save up for retirement, and love your #1 advise, to spend your money! It will be hard to get on board from forever saving, to now spending, but spend and enjoy! That’s what we save it all for😀 Love all your video’s!!
Haha save golf for later in life. I've been golfing all my life, it takes years if not decades just to be average because golf is extremely difficult. My point - you can do both. Start it early and slowly get better over the years of your retirement.
My mom is 95 with dementia, and is currently bed bound. She did do a lot of travelling in her sixties, but could have spent more. Owning a house in your eighties doesn't bring a huge financial return, that capital could be better spent elsewhere. Plus, even if you want to leave a legacy, moving into an apartment will force downsizing.
Great positive video
My wife and I are booking cruises and loving it.
The two happiest days of buying an RV or a boat. The day you buy it and the day you sell it.
I've rented both an RV and a boat on several occasions and it's so nice to know that once I drop off the keys I'm done with it. They are definitely fun for a week or two, but I couldn't imagine owning one.
Can’t speak about campers but have always paid cash for boats. I do what I can afford to do and I wouldn’t charge a thing. I’m not retired but close to it and have enough saved for it.
Sounds about right but buying used is probably the way to go and you can get a good deal.
Buy an airplane instead.😃
Touring Europe in MH since retiring two years ago. Can work if MH can pay for itself. Still, agree they come with hellish costs, ie, fridge,3k🫡🫡🫡
I've tried coming up with ways to meaningfully increasing our enjoyment with more spending but keep failing to find anything and what I do find is so inexpensive it's not an issue. I brought up more dining out with my wife and she said "When you can cook like this at home it really is just stupid to eat out." and honestly she's right. I've already got all the tools I'll ever need since I built my own home and worked on our own vehicles including rebuilding an engine. I've looked at RVs for years but they're poorly made, the entire industry has poor service and they're money pits and time sucks. Additionally I'm not interested in the standard RV systems like black and grey tanks, sensors, "pyramiding", dump stations and the dreaded "stinky slinky". Then there's the costs, the campgrounds that would be my version of hell and a host of other problems I don't want. Instead I'm keeping my eye out for a deal on a 2020 AWD high or mid roof Ford Transit van to convert into a lightweight and flexible camper van that's exactly what I want with nothing I don't. I find that over-spending on things takes the fun out of them and a used van bypasses that perfectly.
Also, one of my guilty pleasure "goals" is to fly in a private jet to a beautiful destination. More than once.
At 62 we cycled Vancouver to San Diego,then Bellingham Washington to New York then up to Montreal all leg power in 120 days, being from England always wanting to do so just did it ,we still work part time till 2025 before we cycle in South Korea and Japan then we will just cycle in Europe and the UK.Never delay just do it.
travel sounds painful. always been a home body. putzing is a way of life. wife passed, no kids. family long gone. days of meandering after 6 day work weeks is pure pleasure. i go to bed whenever i choose. i still have the alarm set for 6.30 a.m. it's in the other room. i don't always hear it. when i do, i just grin, wait till it stops, then roll back to sleep.
I'm afraid to spend money because of the high inflation and not having enough when I'm old and need expensive support 😢
What's your advice?
Great advice.
Greetings Azul! Very thought-provoking video. I'm taking a very short trip to Florida this weekend and needed something to read in-flight. Today I purchased 'From Strength to Strength' at your recommendation. Can't wait to dive in! Please know I REALLY enjoy your videos and appreciate the knowledge you share with us. A pre-retiree. :)
Unknown fact:
The letters “RV” actually stand for “additional expensive storage building”.
That is a beautiful background. Without giving too much away, Can you let me know what part of the country that is?
Utah
I love it that you call the sixties the youth of retirement. That is really wise. For fitness, I have a peloton bike and a gazelle (the dorky thing that the guy with the pony tail advertises). Hands down, I prefer the 300 dollar Gazelle over the 3K bike. It is a great workout and so easy to do! On travel, like a lot of people on here, I worked in a Saudi Arabia hospital in my 20s and got traveling out of my blood early on. I would consider living overseas, but traveling is scary nowadays!
Rent an RV not buy it if it’s for temporal
But a Harley touring bike and make motorcycling trips across and around our beautiful country 👍🏻😉
Thanks for the video. Seen too many die with loads of money to watch their kids get it and blow thru it. Heard one couple tell me they were on a S K I Vacation. Looking at them i knew they werent really agile enough and they explained SKI= Spending the Kids Inheritance 😃
Hopefully will retire no later than 62 here... Please, dont be it's all abt me when you have your freedom and your bag of money, take good care of your own blood and flesh if you can, create a legacy/ trust for your kids, grandkids, whoever is connected to you by blood, make sure they dont go without a health insurance at the least; some kids are great and would take care of you when you're old; some kids r irresponsible with their lives, dont disown, look back, where that behavior comes from, it's in genes; take care of them...
With the big stuff, it's all requires management, dont live frugally, but only buy something you could manage easily, less stress is in simple living with less staff to manage... Love you guys, thank us all for our lives full of hard work, families and study, hopefully we will continue to enjoy life for as much as possible!!!!!
We just bought a pair of e-bikes.
Purchase good locks and covers too many folks are getting their ebikes stolen from the back of rvs also think about airtags on them
I love my ebike
We retired at age 62 five years ago and are having the time of our lives here in Montana. We don't spend much money because we have no debt and we enjoy fishing, hunting, backpacking, cross-country skiing, gardening, etc. Question: Is it better to let our 401 k grow and withdrawal from our Fidelity mutual funds, or let our Fidelity mutual funds grow and withdrawal from our 401 k? RMD at age 73 will likely be about 100k. Thanks.
Depends on your individual taxable rate. I would withdrawal up to the next rate but not over and place in a after tax account
It would be nice to break down the tips into chapters with titles like "Tip 1 Spend Money " ect. Otherwise great video, Thanks 😊
I did a lot of traveling in my 50s and 60s (around Europe). 66 now. Not retired yet and probably will never be able to afford it so maybe I’ll travel still. I might get a second car like a Miata, as a usable, practical toy. Go to the beach more. I’m unfortunately always redecorating. I will need to stop that.
By the way, budget hotels in Europe are already fantastic. I enjoyed the latter half of my life a little too much and now don’t have much money. Who knows if that was smart.
You can still decorate on a smaller scale. I have enough but like the challenge of seeing what I can do for less
I just gave my son $22,000 for home repairs. Plus I bought $10,000 worth of mirror less camera gear.
Since our house is paid off and have zero debt, I plan on enjoying retirement.
I just sleep all the time 💤
Most of my money will go to help my son buy a house (reality these days)…. Then he can get married, have my grandchildren, get divorced and lose 60% of the house to his ex…. Then again, maybe I spend it?
I'm retiring on 5k per month, don't own a house, I won't be doing much. 70 million people on SS and our government has priced most of them out of the economy.
I get much less & own my home outright. It’s not what you make but how you spend your $$$. Btw its NOT the gov’t that decides home prices but the owners via the market.
That's a lot, over twice as me
I try to go on a vacation every month either cruise or flying
I'm in Barbados now at the Crane
The older I get, the quieter I want my life style to be.
8:21 Loved this video!
#1:. No you don't spend down the principal, you spend the income that the principal throws off...
Solid answer.
I'm planning to invest $200k for my long-term retirement goals (5-10 years). Considering the 'Mag 7' stocks, which one can be recommended as the best performer in terms of profit and loss, given their recent challenges? I'm looking for stable growth and reliable returns.
One of your best videos Azul.Visit with a financial advisor to optimize your portfolio's long-term growth, identify opportunities especially amidst underperformance by some 'Mag 7' stocks. They'll assess your risk tolerance, diversify your portfolio, and create a tailored strategy considering dividend yield, valuation, and industry trends.
I agree! Working with a seasoned advisor helped me build a $1.8 million portfolio. Through 25 years of maxing out my 401k, investing in properties, and tutoring languages (making in ballpark $200k/yr), I wasn’t saving enough or budgeting well enough. I learned the value of diversification, tax optimization, and risk management during the lockdown, I took the opportunity to contact my fiduciary right now and was shown a whole new way of looking at investing, starting under her guidance with bare 150k I have been able to grow my nest egg.
Impressive! With a $470k portfolio and 4 years until retirement, I'm seeking expert advice on maximizing returns. Could you share your advisor's contact information? Are they well-versed in retirement planning?
Stay away from specific stocks. Get an index fund for stocks and one for bonds. Go 60% stock and 49% bonds. For older than 65, go 50/50
60/40
First and only guilty pleasure? Turning everything off. Goodbye. Click! 😉
B.O.A.T bust out another THOUSAND!
This boater suppression gets a bit tedious. Ever consider selling your home & car and living on a motor vessel in the Washington Channel? Basically car camping on the National Mall. Entire world class city within walking distance. If things get too weird can alway cut the lines and head to safer harbors.
Where to go: Philippines
What to do: Marriage, love, babies.
How to spend money: duh 😂
😂 Yeah I see these guys that go overseas and have children with young women. If that was to happen to me it would be the immaculate conception #2. 😂
Watch sports on a cool tv-help those in need-appreciate what you have-be happy-stop talking-humble bragging and listen more-move to Thailand-a much younger and prettier gf who actually is thin and likes you-live a stress free life!
Planning to retire in the next few years, and I've been getting all my toys: music equipment, motorcycle, and sports car. Now I plan to sell my powerboat early next year and get a sailboat which is the last big ticket item before I retire.
Yes, retiring at 65 is a very big mistake, that is why I'm making it happen at 53.
❤
Silly to actually try to spend your retirement savings. I can't imagine the nightmare of realizing that I'd out spent my nest-egg, at 95. The rest of the video is great.
The old age home will take it anyway
All this talk about retirement is making you look like you are aging double time.
I'm gonna go out buy a new car with my retirement money. Oh, wait, they're a $100000 dollars now. Okay, I'll take a trip to Hawaii because I did it a few years ago for $2000, oh wait, that's 6k now! It's not a matter of spending my money. It's a matter of them stealing my money!
Longer you wait, the higher the cost!!
Blaming government does not bring you happiness! This is about your happiness!!
I went to Hawaii in my 30s with my girlfriend and it was beautiful - this one hotel we stayed at was called Turtle Bay and I paid $90 a night for two nights. I just looked it up it's $1,000 a night LOL, I'll have to retire somewhere else, me thinks.
I think you mean 1000 days not 1000 weeks of healthy living left after 65. 1000 weeks is 19 years
He means 1000 weeks
He's referring to the Healthy Life Expectancy (HALE) at age 60. At 60 women have a HALE of 78.7 years, while men are at 77.6.
No 1,000 weeks is about right if you are in good health when you retire if you retire around 60 you can expect to be in pretty good health up to around 80. Of course if your family is short-lived or has known problems you should take that into account when you're making plans... I'm 75 now and I'm starting to slow down but my health fortunately is still pretty good.
!I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks or Crypto will be appreciated.
As a beginner investor, it’s essential for you to have a mentor to keep you accountable.
Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market.
I don't really blame people who panic. Lack of
information can be a big hurdle. I've been
making more than $100k passively by just
investing through an advisor, and I don't have
to do much work. Inflation or no inflation, my
finances remain secure. So I really don't blame
people who panic.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.
nice!! once you hit a big milestone, the next comes easier. How can i reach her, if you don't mind me asking?