Just trying to give an honest opinion of both the ups and downs I've experienced. Maybe it will take some of the mystery out of retirement for someone else. Thanks and take care. Steve
They could have but we got on them and stayed with it. I always figured on having problems the first year while I was learning so they weren't much of a surprise. Just a hassle. Take care. Steve
I am retiring next March. Can not wait. I don't give a damn if I am living in a van down by the river.... I will be DONE with Corporate America. I don't care if I gotta fish for my dinner in rural Tennessee, or sell T-shirts on Panama City Beach. I am finished working for them.
The closer I got the more I felt the exact same way. I had gotten to the point of not giving a darn what happens I just wanted out. I was just done with it all. Best decision I've made in a long while. Take care and best of luck. Steve
Right on! Retired during covid, company offered a good package, i accepted it and glad I no longer slave for them. I have good health and enjoy retirement doing WHAT I WANT, WHEN I WANT AND HOW I WANT!
It was hard to believe after decades of working I could actually retire. Still wasn't sure but figured I'd give it a shot. So glad I did now. Thanks. Steve
It was a concern but not enough to keep me from leaving. I figured we could handle whatever might pop up. We have in the past so why couldn't we now. They were just a hassle but I had to stay on them to fix things. Thanks for watching. Steve
Ain't that the truth. Fixing my own mistakes is a full time job much less someone else's. It's always something but at least I'm retired and have the time to fool with it. Thanks. Steve
Thanks for sharing both the highs and lows of your first year of retirement. So glad you kept on top of your taxes and health insurance and handled those difficult issues right away, rather than getting surprised. It lets us all know how important it is to keep track on a monthly basis. Thanks again 🙏🏻
I retired in 2012. In 2012 my monthly expenses (rent, food, utilities, insurance) was $1600 a month and now that exact same lifestyle, no debt, same apartment, same paid off truck, same monthly bills (rent, food, utilities, insurance) cost $3000 a month. $1600 a month rising 6% a year for 11 years = $3027, so average real inflation for last 11 years was 6%. Everybody planning for retirement needs to plan on 6% annual expense increases just to stay even.
Just curious but how much of that $1400 more per month was the rise in your rent? How much or did your income rise over the same period? The effects of inflation varies for everybody and every situation. Thanks for the heads up. Steve
@@retirementcorner Rent only rose from $688 to $942, wasn't the big driver. Food increases in spurts, they mask inflation by changing product numbers, a 12oz product repackaged into a 9.5oz product at a higher price doesn't show up as statistical inflation because the 9.5oz is a new product with a new product number, not a price increase of the old product number, that is how they hide inflation. Utilities and insurance increase every year, average insurance just had a 20% increase per FED latest CPI report, probably because new car prices are higher so insurance has to be higher.
That's why I love watching your channel Steve!!! Make me look at the process and learn from others as I approach retirement on 1/13/25. Great content Steve!!! JT
Just some things I screwed up that I might change if I retired again. As for the problems they show that even in retirement you have to pay attention to your finances and things. Thanks. Steve
Thanks for sharing. The biggest problem I had was with insurance. The first month of retirement, they had my wife and I, separately on cobra insurance, which would have us paying twice as much. It took almost a month of talking to different representatives before I actually got one that figured out what was going on and we got everything straightened out. You definitely have to stay on top of things and not take it for granted that the company knows what they are doing with your retirement! Take care, and stay warm. Robert
How's your mom Terri? Didn't expect to hear from you guys for awhile. If Y'all make it to Va. Beach this year give me a holler I'd like to shake your hand and thank you for your videos. Been a big help these past couple years. Take care. Steve
@@retirementcorner she is improving and currently in rehab due to go home soon. We still aren’t back with our coffee talk schedule yet but we’ll get back at it soon. We’ll definitely let you know if we come to VA Beach. Would love to meet you & the Mrs
Gave a big shout out to them on my Labor Day "Cowbell Tuesday" video. You have a long slog ahead of you but if you watch your debt and expenses while making the effort to save what you can it will payoff big time. Keep that in mind when things start to get rough on you. Thinking that one day I would be able to do what I want when I want always helped me. Thanks and best of luck going forward on your journey to retirement. Steve th-cam.com/video/moJKkUu-lAY/w-d-xo.htmlsi=cOiqTNXHCx1yul4Q
Steve, I appreciate your honesty ... the good, the bad and the ugly. Sometimes things don't go according to plan and that's okay. The biggest takeaway is how you need to pay attention to what these financial companies are doing (or not doing) to keep it all from going into the ditch. Lucky, you are paying attention and it worked out.
Sad to say but you got to keep an eye on what they do. Must be easy to screw up because we've had multiple problems with automatic deposits/payments over the years. More of a hassle than anything but we had to get on it. Thanks. Steve
I agree. Retirement is most unsettling if not scary. I am coming up on a full year of retirement and the worry of “what if” is slowly getting less of my attention. I feel a little more relaxed. I guess that is part of the learning curve.
As a member of the retirement class of 2023, I'm starting to settle into the relaxing enjoyable part of my time. The anxiety is getting further in the rearview each and every day.
Thankfully we didn't get much of either but the cold has arrived. Barely got above freezing today. Wouldn't be so bad if it weren't for the wind. Looking for another round this weekend. Winter has arrived. Take care. Steve
If i don't do it today like i wanted to i just do it another day and don't look back. Lol. That pension and medical stuff could have been a major problem. Crazy how "systems" screw up. Buzz
The problem I had is it never got done the next day either. Seems like I always found something better I'd rather do instead. They weren't nothing important just things I wanted to do, just never did. Top of my list this year. Always been like that. Plot and plan for the year and most never see the light of day. Take care. Steve
Quit feeling like you have to find things to do. Just throw the damn clock away and enjoy life. The only thing on my schedule is my morning coffee. I hope you get all your financial stuff working like it should. I have had my times too.
I don't have to find things but there are a bunch of things I want to get done. I always start my list with what I didn't get to the previous year. It's how I spend these colder months when I don't get outside like I do normally. Those problems have been fixed for now I'll give it some time to be sure. Take care. Steve
HR/payroll issues seem way to common, especially when things like you describe are set up and scheduled, yet fail as soon as you are convinced everything is going fine. Similar issues have happened to me and my girlfriend with different employers. Same with some automatic bank money moves. The post office is another thing. Do not rely on them, period. Over the last week, regular mail delivery has essentially stopped, I guess due to weather. Sure it's cold and we got some snow, but the old motto of not rain, or snow etc stops the mail clearly no longer holds true.
Actually one of the few things we got in the mail this past week was a help wanted card from the post office. Like just about everywhere they need help but not enough people want to work there. I looked into that a few years back and I can see why. Primary reason I declined was no benefits until you reach union employment status and they told me that is typically around 5 years! Ridiculous.
We have the same problem with automatic deposits or payments and always have. Threatened to cancel homeowners years ago for non payment. Still had a mortgage and the payments where paid that way. So as long as we paid the mortgage how can the payments not be made? Easy they had actually setup 2 policies by mistake and one never got paid. Went from paper check to automatic deposit and they started depositing twice as much into the credit union and less into my regular bank account. Always have problem with that stuff and watch it as good as I can. It's always something. Thanks. Steve
I had a similar problem as my insurance was supposed to be deducted from my pension and I had a separate bill for cobra dental. Took 3 months to straighten it all out and get the deductions correct. I just kept calling every month, sending in payments, and keeping a hawk eye on the mail. Now I’m going on Medicare next month so I anticipate another roller coaster. So far they’ve been very helpful and even though some letters have deadlines they seem flexible. I still document every call.
Same here on documenting every call. It's important to keep all those records. You never know when they might come in handy. I expected some problems while I was learning the ropes.They were just a hassle but you have to get on them and stay with it . Take care. Steve
- If you spent most of your time down at the river then that’s what you truly were meant to do. What difference does it make if we didn’t get our busy work list done? Once we’re dead we’re dead forever.
Retirement is different to everybody and to me it made a big difference. It was nothing of importance just things I wanted to get done but never prioritized them. Ain't like I lost sleep or anything just felt like I had wasted the year. Thanks. Steve
Thanks Mr. Steve for sharing. I am paying for health insurance for my wife and am trying to stay on top of it! I’m on Medicare so I have not had any problems so far. Stay safe!
Losing it because of their mistake would have sucked. Months later and nobody can tell me why they didn't take out the full amount. That's what started all the trouble. You shouldn't have any problem so don't stress over it but keep an eye on it. Thanks and take care. Steve
Yeah. My tax status will be a mess this year. Worked only 4 months, wife started drawing social security and I've started drawing from my IRA. 😮 Have no idea where I stand. But it's been a good first 9 months. Enjoyed the video as always and glad you're doing well.
I checked with my tax preparer before I retired but this year will be telling. Might have to make a small tweak to the state but the mandatory federal should be way more than I really needed. I expected a few mistake and problems the first year while I figured things out. All and all it was a great year and I'm glad I made the decision. Take care. Steve
The thing that bothers me are these companies not being accountable. I mean thank heaven you are on top of it Steve, but some people aren't and that can cause major problems. Be blessed.
That's the kicker. I could have lost health insurance for nonpayment but it was their fault. Months later and nobody can tell me why they didn't take the full amount the first time. That's what started it all. If we hadn't kept on them it could have been a bad situation. Take care. Steve
Several months ago on one of your videos I commented that I shop my insurance every year with an independent agent which I'm about to do again because of a huge homeowners increase. If you procrastinated on that I would recommend doing that on these cold frigid days. I guarantee you will save 400 to 500 dollars
I remember. My mom and dad started doing the same thing years ago. Got that planned for Feb. I go every 6 months (Feb. and August) for a financial review and that goes right in line with our policy time frame. Helps me keep an eye on it that way. Thanks for the reminder. Take care. Steve
I can SO relate to holding back in my first year. But then... remember how crappy the market was back in the fall of 2022 when I retired. I hoped things would recover, and they did mostly, but I didn't know what was going to happen. So I went conservative. This year I'm following the more generous withdrawal plan my advisor identified. Plus, I've had a little.come together on my likely life span which my CFP was very optimistic about. 95? Moi, Kermi? Uh, no. I don't think so.😂
I'm sure 2022 and the way everybody was talking about 2023 didn't help any. If you knew what the market was going to do that first year pulling the trigger wouldn't be that hard. Nobody knows the future and everything checked out so I gave it a shot. So glad I did know. Thanks. Steve
I retired and got 8 months of pay from my first job, six months of pension, and four months of a part-time job. I am absolutely clueless how my taxes are going to turn out.
This first tax season will be an experience for sure. Should give me an idea of whether I need to change some things or not. My 401k distribution is the bulk of my retirement so the mandatory withholding of 20% should be way more than enough for federal. The state might be a different story. We' see. Take care. Steve
All their fault and they can't tell me why it happened in the first place. They took out for months then only took part and the downfall started. Could have been a disaster. Phone banks are useless the only thing they can tell you is they'll put in a case to find out why. Take care. Steve
I always feel a little better about things after watching your videos, Steve. You have some great insights, so don't sell yourself short. I'm only about six weeks into my retirement and I'm not too proud to admit that I'm struggling with the whole thing so far, and, yes, it is scary. The funny thing is I went into it knowing about these things, just from watching videos like yours and others, but it's not until you take that plunge that you really know. 50 years of working gone just like that. It's a huge change. So you keep those videos coming. You're helping people. Now I just have to figure it out. Cheers.
I feel kind of similar. I retired in May. But I did decide to work part-time, not because I had to but because I wasn’t ready to be fully retired. Like you, I knew about these things, but I just wasn’t ready to completely stop working.
I think most people experience similar things and feelings about retirement. Life in retirement is a mystery and it ain't all rainbows and unicorns like you hear or see on any media. Maybe a "Regular Steve" can help remove some of the mystery. Thanks and keep plugging you'll figure it out. Steve
I don’t even get a stub from my pension. But they would have to explain what they were doing with the missing bucks if it’s not going to irs, lol.@@retirementcorner
I did one short last year fishing. I spend a lot of time fishing but haven't done any videos in the past down there. No boat just fish from the bank. Plan to do some videos down there this year and maybe even some from the pier trying for some flounder, croaker or whatever I can catch. Thanks for watching. Steve
Wasn't that unbelievable? Only thing is now we've got the 49ers and they know how to win playoff games the past few years and beat us. Just hoping for a good game. Win or loose it's been a successful year and with a young team the future looks bright. Thanks. Steve
I griped and complained but honestly inflation didn't really affect our lifestyle last year. I think it might have had something to do with the cost savings that comes from retiring. Thanks. Steve
Could be but I have no choice. Mandatory withholding from my 401k of 20% for the next 2 years. After I am 59.5 that's something I'll explore. Thanks for the suggestion. Take care. Steve
Great game. HISTORIC. SF will be a tough game but if we show up like we did against Dallas we got a chance. I just hope we don't get blown out. SF seems to know how to beat us every time. Go Pack Go! Steve
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That is what I like about your channel Mr. Steve!!! You are a real person. Thank you for sharing!!!
Just trying to give an honest opinion of both the ups and downs I've experienced. Maybe it will take some of the mystery out of retirement for someone else. Thanks and take care. Steve
As long as those problems didn't have a big negative impact going forward, that's a good thing! Thanks as always for the insights, Steve! 😊
They could have but we got on them and stayed with it. I always figured on having problems the first year while I was learning so they weren't much of a surprise. Just a hassle. Take care. Steve
I am retiring next March. Can not wait. I don't give a damn if I am living in a van down by the river.... I will be DONE with Corporate America. I don't care if I gotta fish for my dinner in rural Tennessee, or sell T-shirts on Panama City Beach. I am finished working for them.
The closer I got the more I felt the exact same way. I had gotten to the point of not giving a darn what happens I just wanted out. I was just done with it all. Best decision I've made in a long while. Take care and best of luck. Steve
Right on! Retired during covid, company offered a good package, i accepted it and glad I no longer slave for them. I have good health and enjoy retirement doing WHAT I WANT, WHEN I WANT AND HOW I WANT!
Green Lights and not believing your numbers. I can relate Steve. Thanks for sharing.
It was hard to believe after decades of working I could actually retire. Still wasn't sure but figured I'd give it a shot. So glad I did now. Thanks. Steve
First year must be scary. Sorry you had to go through that. Ty for your videos, so helpful.
It was a concern but not enough to keep me from leaving. I figured we could handle whatever might pop up. We have in the past so why couldn't we now. They were just a hassle but I had to stay on them to fix things. Thanks for watching. Steve
Bad enough covering your own mistakes, but gets real tricky when you're covering for other people's...thks Steve.
Well said. Good job staying on top of things Steve.
Ain't that the truth. Fixing my own mistakes is a full time job much less someone else's. It's always something but at least I'm retired and have the time to fool with it. Thanks. Steve
Thanks for sharing both the highs and lows of your first year of retirement. So glad you kept on top of your taxes and health insurance and handled those difficult issues right away, rather than getting surprised. It lets us all know how important it is to keep track on a monthly basis. Thanks again 🙏🏻
Getting to retirement is only part of the job. Things pop up all the time and you have to keep an eye on it all. Take care. Steve
I retired in 2012. In 2012 my monthly expenses (rent, food, utilities, insurance) was $1600 a month and now that exact same lifestyle, no debt, same apartment, same paid off truck, same monthly bills (rent, food, utilities, insurance) cost $3000 a month. $1600 a month rising 6% a year for 11 years = $3027, so average real inflation for last 11 years was 6%. Everybody planning for retirement needs to plan on 6% annual expense increases just to stay even.
Just curious but how much of that $1400 more per month was the rise in your rent? How much or did your income rise over the same period? The effects of inflation varies for everybody and every situation. Thanks for the heads up. Steve
@@retirementcorner Rent only rose from $688 to $942, wasn't the big driver. Food increases in spurts, they mask inflation by changing product numbers, a 12oz product repackaged into a 9.5oz product at a higher price doesn't show up as statistical inflation because the 9.5oz is a new product with a new product number, not a price increase of the old product number, that is how they hide inflation. Utilities and insurance increase every year, average insurance just had a 20% increase per FED latest CPI report, probably because new car prices are higher so insurance has to be higher.
That's why I love watching your channel Steve!!! Make me look at the process and learn from others as I approach retirement on 1/13/25. Great content Steve!!! JT
Just some things I screwed up that I might change if I retired again. As for the problems they show that even in retirement you have to pay attention to your finances and things. Thanks. Steve
Thanks for sharing. The biggest problem I had was with insurance. The first month of retirement, they had my wife and I, separately on cobra insurance, which would have us paying twice as much. It took almost a month of talking to different representatives before I actually got one that figured out what was going on and we got everything straightened out. You definitely have to stay on top of things and not take it for granted that the company knows what they are doing with your retirement! Take care, and stay warm. Robert
Exactly! Nobody takes better care of your money and business than you. You got to keep an eye on things even in retirement. Take care. Steve
The first year is a learning experience for sure. It’s a totally new thing we’ve never experienced before.
How's your mom Terri? Didn't expect to hear from you guys for awhile. If Y'all make it to Va. Beach this year give me a holler I'd like to shake your hand and thank you for your videos. Been a big help these past couple years. Take care. Steve
@@retirementcorner she is improving and currently in rehab due to go home soon. We still aren’t back with our coffee talk schedule yet but we’ll get back at it soon. We’ll definitely let you know if we come to VA Beach. Would love to meet you & the Mrs
Let's give a shout out to all the young folks working for retirement with decades ahead of them. Thanks for keeping it real Steve!
Gave a big shout out to them on my Labor Day "Cowbell Tuesday" video. You have a long slog ahead of you but if you watch your debt and expenses while making the effort to save what you can it will payoff big time. Keep that in mind when things start to get rough on you. Thinking that one day I would be able to do what I want when I want always helped me. Thanks and best of luck going forward on your journey to retirement. Steve
th-cam.com/video/moJKkUu-lAY/w-d-xo.htmlsi=cOiqTNXHCx1yul4Q
Steve, I appreciate your honesty ... the good, the bad and the ugly. Sometimes things don't go according to plan and that's okay. The biggest takeaway is how you need to pay attention to what these financial companies are doing (or not doing) to keep it all from going into the ditch. Lucky, you are paying attention and it worked out.
Sad to say but you got to keep an eye on what they do. Must be easy to screw up because we've had multiple problems with automatic deposits/payments over the years. More of a hassle than anything but we had to get on it. Thanks. Steve
I agree. Retirement is most unsettling if not scary. I am coming up on a full year of retirement and the worry of “what if” is slowly getting less of my attention. I feel a little more relaxed. I guess that is part of the learning curve.
Just like anything else the more you do it the easier it becomes. Glad to hear your adjusting well. Take care. Steve
As a member of the retirement class of 2023, I'm starting to settle into the relaxing enjoyable part of my time. The anxiety is getting further in the rearview each and every day.
It takes awhile but you do slip into it a little more each day. Glad to hear things are working out for you.Take care and enjoy. Steve
Same weather here in WV. 27 currently. Sleet/snow. Low of 12 degrees tomorrow and snow. Stay safe!
Thankfully we didn't get much of either but the cold has arrived. Barely got above freezing today. Wouldn't be so bad if it weren't for the wind. Looking for another round this weekend. Winter has arrived. Take care. Steve
If i don't do it today like i wanted to i just do it another day and don't look back. Lol. That pension and medical stuff could have been a major problem. Crazy how "systems" screw up. Buzz
The problem I had is it never got done the next day either. Seems like I always found something better I'd rather do instead. They weren't nothing important just things I wanted to do, just never did. Top of my list this year. Always been like that. Plot and plan for the year and most never see the light of day. Take care. Steve
Quit feeling like you have to find things to do. Just throw the damn clock away and enjoy life. The only thing on my schedule is my morning coffee. I hope you get all your financial stuff working like it should. I have had my times too.
I don't have to find things but there are a bunch of things I want to get done. I always start my list with what I didn't get to the previous year. It's how I spend these colder months when I don't get outside like I do normally. Those problems have been fixed for now I'll give it some time to be sure. Take care. Steve
HR/payroll issues seem way to common, especially when things like you describe are set up and scheduled, yet fail as soon as you are convinced everything is going fine. Similar issues have happened to me and my girlfriend with different employers. Same with some automatic bank money moves.
The post office is another thing. Do not rely on them, period. Over the last week, regular mail delivery has essentially stopped, I guess due to weather. Sure it's cold and we got some snow, but the old motto of not rain, or snow etc stops the mail clearly no longer holds true.
Actually one of the few things we got in the mail this past week was a help wanted card from the post office. Like just about everywhere they need help but not enough people want to work there. I looked into that a few years back and I can see why. Primary reason I declined was no benefits until you reach union employment status and they told me that is typically around 5 years! Ridiculous.
We have the same problem with automatic deposits or payments and always have. Threatened to cancel homeowners years ago for non payment. Still had a mortgage and the payments where paid that way. So as long as we paid the mortgage how can the payments not be made? Easy they had actually setup 2 policies by mistake and one never got paid. Went from paper check to automatic deposit and they started depositing twice as much into the credit union and less into my regular bank account. Always have problem with that stuff and watch it as good as I can. It's always something. Thanks. Steve
I had a similar problem as my insurance was supposed to be deducted from my pension and I had a separate bill for cobra dental. Took 3 months to straighten it all out and get the deductions correct. I just kept calling every month, sending in payments, and keeping a hawk eye on the mail. Now I’m going on Medicare next month so I anticipate another roller coaster. So far they’ve been very helpful and even though some letters have deadlines they seem flexible. I still document every call.
Same here on documenting every call. It's important to keep all those records. You never know when they might come in handy. I expected some problems while I was learning the ropes.They were just a hassle but you have to get on them and stay with it . Take care. Steve
- If you spent most of your time down at the river then that’s what you truly were meant to do. What difference does it make if we didn’t get our busy work list done? Once we’re dead we’re dead forever.
Retirement is different to everybody and to me it made a big difference. It was nothing of importance just things I wanted to get done but never prioritized them. Ain't like I lost sleep or anything just felt like I had wasted the year. Thanks. Steve
Thanks Mr. Steve for sharing. I am paying for health insurance for my wife and am trying to stay on top of it! I’m on Medicare so I have not had any problems so far. Stay safe!
Losing it because of their mistake would have sucked. Months later and nobody can tell me why they didn't take out the full amount. That's what started all the trouble. You shouldn't have any problem so don't stress over it but keep an eye on it. Thanks and take care. Steve
Yeah. My tax status will be a mess this year. Worked only 4 months, wife started drawing social security and I've started drawing from my IRA. 😮 Have no idea where I stand. But it's been a good first 9 months. Enjoyed the video as always and glad you're doing well.
I checked with my tax preparer before I retired but this year will be telling. Might have to make a small tweak to the state but the mandatory federal should be way more than I really needed. I expected a few mistake and problems the first year while I figured things out. All and all it was a great year and I'm glad I made the decision. Take care. Steve
The thing that bothers me are these companies not being accountable. I mean thank heaven you are on top of it Steve, but some people aren't and that can cause major problems. Be blessed.
That's the kicker. I could have lost health insurance for nonpayment but it was their fault. Months later and nobody can tell me why they didn't take the full amount the first time. That's what started it all. If we hadn't kept on them it could have been a bad situation. Take care. Steve
As Peter Drucker, the famous business guru, once noted, if you want to succeed, make mistakes faster than self-correct.Thanks, Steve.
Always figured there would be a few mistakes and problems the first year while I was learning. Thankfully nothing amounted to much. Thanks. Steve
Several months ago on one of your videos I commented that I shop my insurance every year with an independent agent which I'm about to do again because of a huge homeowners increase. If you procrastinated on that I would recommend doing that on these cold frigid days. I guarantee you will save 400 to 500 dollars
I remember. My mom and dad started doing the same thing years ago. Got that planned for Feb. I go every 6 months (Feb. and August) for a financial review and that goes right in line with our policy time frame. Helps me keep an eye on it that way. Thanks for the reminder. Take care. Steve
I can SO relate to holding back in my first year. But then... remember how crappy the market was back in the fall of 2022 when I retired. I hoped things would recover, and they did mostly, but I didn't know what was going to happen. So I went conservative. This year I'm following the more generous withdrawal plan my advisor identified. Plus, I've had a little.come together on my likely life span which my CFP was very optimistic about. 95? Moi, Kermi? Uh, no. I don't think so.😂
I'm sure 2022 and the way everybody was talking about 2023 didn't help any. If you knew what the market was going to do that first year pulling the trigger wouldn't be that hard. Nobody knows the future and everything checked out so I gave it a shot. So glad I did know. Thanks. Steve
I retired and got 8 months of pay from my first job, six months of pension, and four months of a part-time job. I am absolutely clueless how my taxes are going to turn out.
This first tax season will be an experience for sure. Should give me an idea of whether I need to change some things or not. My 401k distribution is the bulk of my retirement so the mandatory withholding of 20% should be way more than enough for federal. The state might be a different story. We' see. Take care. Steve
The health insurance potential drop is spooky
All their fault and they can't tell me why it happened in the first place. They took out for months then only took part and the downfall started. Could have been a disaster. Phone banks are useless the only thing they can tell you is they'll put in a case to find out why. Take care. Steve
Well on the bright side you had a whole lot more time to tackle those problems than if you were working 😊
Ain't that the truth. Retired and nothing but time. Take care. Steve
I always feel a little better about things after watching your videos, Steve. You have some great insights, so don't sell yourself short.
I'm only about six weeks into my retirement and I'm not too proud to admit that I'm struggling with the whole thing so far, and, yes, it is scary. The funny thing is I went into it knowing about these things, just from watching videos like yours and others, but it's not until you take that plunge that you really know. 50 years of working gone just like that. It's a huge change. So you keep those videos coming. You're helping people.
Now I just have to figure it out. Cheers.
I feel kind of similar. I retired in May. But I did decide to work part-time, not because I had to but because I wasn’t ready to be fully retired. Like you, I knew about these things, but I just wasn’t ready to completely stop working.
I think most people experience similar things and feelings about retirement. Life in retirement is a mystery and it ain't all rainbows and unicorns like you hear or see on any media. Maybe a "Regular Steve" can help remove some of the mystery. Thanks and keep plugging you'll figure it out. Steve
That really sucks. I don’t know what I would do if my pension started messing up.
If I hadn't been watching my stub I never would have known. Even in retirement you have to keep an eye on things. Thanks. Steve
I don’t even get a stub from my pension. But they would have to explain what they were doing with the missing bucks if it’s not going to irs, lol.@@retirementcorner
River? Do you ever show any video of river action? Are you fishing, boating or just watching?
I did one short last year fishing. I spend a lot of time fishing but haven't done any videos in the past down there. No boat just fish from the bank. Plan to do some videos down there this year and maybe even some from the pier trying for some flounder, croaker or whatever I can catch. Thanks for watching. Steve
Cowboys lost a game😢 congratulations to your team.
Wasn't that unbelievable? Only thing is now we've got the 49ers and they know how to win playoff games the past few years and beat us. Just hoping for a good game. Win or loose it's been a successful year and with a young team the future looks bright. Thanks. Steve
The biggest problem I see is our pathetic Govt destroying our buying power with inflation.
I griped and complained but honestly inflation didn't really affect our lifestyle last year. I think it might have had something to do with the cost savings that comes from retiring. Thanks. Steve
I think it’s better to make estimated tax payments yourself. Then you have the control.
Could be but I have no choice. Mandatory withholding from my 401k of 20% for the next 2 years. After I am 59.5 that's something I'll explore. Thanks for the suggestion. Take care. Steve
Go Pack Go!
Great game. HISTORIC. SF will be a tough game but if we show up like we did against Dallas we got a chance. I just hope we don't get blown out. SF seems to know how to beat us every time. Go Pack Go! Steve
🤘
Thanks. Steve