I retired early a year ago, your last point “sense of purpose” has impacted me the most. As you say, this can affect your general wellbeing, hence I believe it’s very important to have your projects to occupy the mind. I am very keen on DIY, but also got more into photography. I too enjoy no morning alarm, but I still get moving early most mornings because I want to and I keep myself busy. I also stay in touch with friends much more these days! Good tips, thanks
I came across this video and your channel by complete accident just a few minutes ago. I have to say this video is awesome! I love your enthusiasm, and the way you encourage people is to be admired. My story? I have to say I have been damn lucky in work. The last twenty years or so I have been working for, what may be the only hi-tech workers cooperative in England. Although our department (manufacturing) has a manager, they play little part in deciding how we work - we listen to each other (just 5 of us! - with an annual turn-over of 5 million!) and can then organise our own work. Our salaries are on the high side and we sometimes pay ourselves a nice big dividend too. We do good social stuff and can ask to trained in pretty much anything (two of my colleagues have completed OU degrees funded by the company)It has to be the fact that there's pretty much nothing to moan about that has kept me there for so long (pension is good too). The thing is, it most certainly has never ever been the thing that defines me. I have so many more precious things outside of work, that I will never be looking for something to do. I have an off grid (solar) electronic music studio in the garden full of synthesisers and recording gear so I can play and play forever, without adding to the electric bill, with the added bonus of being able to make my own synths from skills I learned at work (I also have kept any electronic components, soldering irons test equipment etc thrown in the skip, by every electronics company I have worked for in the last 40 years!). I have also now built a much larger off grid system (2,500 watts) which will give us free air conditioning in the summer, and free electric heating in the winter to back up the wood burner. I often use the studio solar to charge other stuff, power tools, electric carpet sweepers, my electric bicyle, laptops, phones, tablets etc and the larger system will charge my wife's mobility scooter. There will also be power leftover for a planned model garden railway as I love a bit of model making. I have been researching history for 5 years, publishing a little book in 2019, with quite a few more to come, there is a website in progress (only two pages so far!) and yes, some very very exciting videos are being put together right now! And although I'm hanging on to making the music until this project is finished, I still managed to put a handful of electronic music tracks on my channel. I spend a portion of my salary improving the house and garden, not to turn it into a showhouse, but to make sure I don't have to do those jobs when I retire - new double glazing, decent roofs for the garage and sheds, concrete, steel and plastic fencing, a few water butts, etc. As you can see, I have found many ways of preparing for the future without stacking up the cash (though I do that too). I became mortgage free 3years ago (I was actually in a shortfall of £7000- but that was the exact figure my company paid us as a dividend that year, literally two days after the mortgage demand!). As my 3 children are all grown up with their own lives, I have been able to ask my company if I can now work a four-day week, and that has been an amazing move and still leaves me with a decent salary, holidays, pension etc (20% retired yay!). I think I worked out that its about 1 year and 2 months less that I have to work in the theoretical 6 years until I retire at 67. Your video has enabled a little rethink in how I approach savings and investments so I now reckon I can stop at 64 (but thats 2 years at a 4 day week, and a 3 day week for the final year). Sorry this was so long, but I felt my story may be of help to people in approaching retirement, or at at least inspire few ideas. Many thanks.
I forgot to mention - next years dividend spend? I am already looking at quite decent sized all-year camping plots in scotland for around £6000! (Some even have salmon fishing rights for heaven's sake!) so lots of opportunity to get away for a week (self made campervan is another project on the list!) and get an income from letting it to others.
@@ploppy193 just Google property for sale in Scotland, look at usual top 3 property listers, and order the results with the cheapest first. The first few will be larger plots with price on application (POA). A little further on there will be smaller plots starting at around £4000. Some are on scottish islands with views of the sea etc
Really good channel and great points, you talk a huge amount of sense. - I’m near retirement, - in 15 months, recognise that there will be phases, Preparing, then first - euphoria, no work, no clocks, trips away etc, avoid the pub and daytime TV like the plague, both have a siren call, - then dissolutionment, loss of purpose and structure, is this all? - then a dig it out phase, try this, try that, what works? What don’t I like? - then finally a normalisation phase where I try to milk everything to the best, build in structure, enjoy life, settle down, might take some time, took my dad a couple of quite tough years, realising that he did have enough money, he could spend it.. oddly some of us are conditioned to save rather than to spend, I know I am, Some go through the phases quickly, some slowly and some don’t fully progress at all and become a little miserable, lost, and lonely, - You might find yourself on your own eventually. Building on stuff now that I’d like to do. I’m to an extent lucky in that I skills which are in demand - possible to go back to work while I physically/mentally can for a time - this would be the very last resort. It is a great risk reducer along with knowing the very minimum amount I need to live on should the worse happen - doesn’t mean I have to. I’ve considered our personal rate of inflation to be quite low, - there are many things included in the inflation basket that we never or seldom need although some of it cannot be swerved. Already lining up stuff to do, both big and small. I truly don’t give a hoot about loss of identity, I have a good life and far away from work. - Aged care is really difficult, it costs around £70k per year in care home fees, couldn’t sustain that for long, it is possible to plan and put everything into trusts, but 70% of us pass away without needing a massive amount of care.
Thanks, my favourite couple. I am waiting for any new videos .We are 53 and time to prepare slowly our retaiment. Al your tips are very important for us. All the best, keep going. ❤
The dreaded budgeting! I view budgeting a bit like exercise. You can either approach exercise more as work, i.e.; joining a gym, scheduling and structuring your workouts -- OR, you can simply make being active/healthy a part of your daily lifestyle - and forget the structured workouts all together. Same with budgeting - you can either do the "work" of budgeting, OR, you can lean on sound financial principles and goals - and line up your daily approach to money and spending accordingly. Before long, it becomes a habit - to where budgeting in the common sense of the word, is no longer needed.
I feel that the personal identity thing, “what do you do?”, is a very Amero-centric thing. I it’s so people can rank you and compare you to themselves. I don’t really remember this being as big of a deal in the UK. I may be wrong. It might just be a me thing, because I’ve never tied my identity into my job. Perhaps I just didn’t care enough about it.
Great video! I was wondering. You gave some drawdown methods in one of the previous videos. But I don’t think you covered the method you use. Could you do a video or give more info on this? An updated spreadsheet with the method you use would be great. 😁
@@2GoRoam cool! Sounds great. I am obviously too impatient. 😆 Thanks for your great work! I am using your “secret sauce” progress bars and track my FI fund each month. 😁
In America if you retire before 65 you will have to pay a lot for health care. Unless you are considered poor then you can receive free health care. The problem is most people fit in the middle to where they have to pay a great deal for healthcare before they reach 65.
This is giving me anxiety. I make so little in the US and I save as much as I can and own my house, but it still won't be enough as a single person I don't think.
Hang on in there Adam, the video is in the works. As we have been travelling a lot recently I haven't had a fixed location to work. It will be coming in a couple of weeks 👍
Really like the walking videos, nice vibe. Take a minute and tell us where you are and what you are doing there as you walk would be great. Maybe include some sights and sounds shots of interesting things.
Many thanks for your time in making this. Lots of good, well thought out comments. I think you are a bit harsh in the identity thing. I’m an engineer and strongly identify with wanting (almost needing) to know how things work. This carries well over into hobbies and problem solving. Thanks again.
Those who want to "age in place" may put use "long term care" funds into hiring home health aides, but then they still have the house. (Long term care insurance pays for either--but I personally am not a fan of the system, seems like a highly expensive and flawed budgeting system.) Reverse mortgages would seem logical but that seems to be a shady system.
@@Laura-kb5sr there is a good argument that dementia etc is like any other illness hence care should be paid for by NHS, but no one will find budget for that. Cost could be reduced dramatically if people in their 50s downsize to a house that is adapted for care and for general life after 50 like The Villages in Florida. ( good for housing market as well)
Hi Neil, I’d love to know your thoughts on how to get your spouse to retire when you have already retired. We are the same age and I retired at 55 (kinda wasn’t expecting to but just had to stop what I was doing before it finished me off!) I don’t really expect you to have an answer, I guess I’m just highlighting the issue. Nowadays when so many couple both work - unlike in our parents era (I’m 57 btw) when one retires before the other it brings with it so many difficulties. You and Sarah have been able to support each other through a lot of emotional stuff because you retired together, whereas when one of a couple are still working it is different. It’s almost like I want to draw attention to retirement when it is only one of you who has retired. How to cope with that sense of guilt that you’re not contributing etc And then begrudging almost becoming a traditional ‘housewife’ as in I am in and have nothing to do except cook and clean etc makes sense? It’s not all doom and gloom. I have a couple of side hustles to occupy me, and a heap of creativity, I need to do something other than housework and gardening! But he only gets the 4 weeks off a year so I feel we are missing out. On a side note I am a hopeless planner/budgeter and maybe a step by step budget 101 for total idiots is what I need. I literally need to know how to know how to work out what I spend on groceries each week - do i keep receipts and add them up and average them out or do I look at my bank account … ha ha I’m not quite that bad … OK I am. I’m enjoying the content btw.
Hi Jules, we made a video on this a while ago titled "Our Retirement Changed..." Thumbnail says "Confronting our problem", let me know if that helps. Email me rather than reply to this comment though as there are so many here, they get lost! neil@2goroam.com Hope that helps
I'm accountant, ha for real!!! BUT more importantly I'm a child of God, adventure seeker & nature lover. I'm 49 and plan to real by 59 or at least to only part time work that feels less like work, but I hope when I retire I don't lose those 3 things. Accountant is ok to fall away when time comes. Great video! Thanks and enjoy making more!
In the U.S., people are so encouraged to spend so much time and energy working that there may not be a whole lot else :( It's often synonymous with "what do you spend most of your time doing?"
Great points. My biggest fear is health. For the money part the Rule of 72 should keep the inflation devaluation at bay. Even at just 4% interest your money doubles at 18 years, 5%, about 14 years. We were budgeting $2k to $3k a month. Which is a fraction of what we spend currently. More so it's our housing and vehicle costs. I'm seeing a shift in the retirement and slow traveling mindset. 🤔 More and more people say, in their 40s, 50s, and 60s, are learning that earning additional money, even replacing their former full-time income, is very doable online. Be it semi-passive or by geo arbitrage. Plus like you said it keeps one relevant. The 4 day work week is just the tip of the iceberg example.
Another great video. You are so right about planning for inflation - need to invest in assets that give returns above this. I'm lucky as I will have a DB index linked pension to cover the basics. Then invest 100% in a passive global index tracker and run with assumption of inflation at 3% and investment return at 5% long term. Hope that resonates with you. Many thanks again.
Great video series you really put a lot of thought and effort into retirement planning thank you so much for your insight. I also like the travel videos. Would love to see a pub video if you ever make one for fun :)
I think most of this is not at all for the average person. Most of us will collect our pensions and have nothing more. We may not be able to make it, but my point is- no one I know has a million dollars in savings, and I doubt most people have one tenth of that. It’s very unrealistic.
I'm 39 years old and have just been fired. What options do I have for a consistent source of income now that I have $425K saved for an early retirement at age 50, $10K in an HSA, and a property that could provide an additional $200K?
I’m unsure weather to find another job or merge all my investment accounts into one. If I do, how should I handle it, and are there any potential drawbacks? I also plan to sell my property, which could add $200K over time. Should I consolidate my investments into a single account or spread them across various markets?
These are crucial questions for a financial planner. I met mine at a NYSE summit, and with her help, my wife and I reallocated our $1.7M portfolio between a traditional IRA and a brokerage account. She’s been making investments with our approval and has helped us recover twice our losses. We’re holding steady and carefully navigating more markets
So true. I tell my daughter my new career choice is going to be an Instagram influencer. 😳😉💰. I just need some cool clothes, trim down my dad body and.....or maybe I'll just work remotely. 😊
I retired early a year ago, your last point “sense of purpose” has impacted me the most. As you say, this can affect your general wellbeing, hence I believe it’s very important to have your projects to occupy the mind. I am very keen on DIY, but also got more into photography. I too enjoy no morning alarm, but I still get moving early most mornings because I want to and I keep myself busy. I also stay in touch with friends much more these days!
Good tips, thanks
I came across this video and your channel by complete accident just a few minutes ago. I have to say this video is awesome! I love your enthusiasm, and the way you encourage people is to be admired.
My story? I have to say I have been damn lucky in work. The last twenty years or so I have been working for, what may be the only hi-tech workers cooperative in England. Although our department (manufacturing) has a manager, they play little part in deciding how we work - we listen to each other (just 5 of us! - with an annual turn-over of 5 million!) and can then organise our own work. Our salaries are on the high side and we sometimes pay ourselves a nice big dividend too. We do good social stuff and can ask to trained in pretty much anything (two of my colleagues have completed OU degrees funded by the company)It has to be the fact that there's pretty much nothing to moan about that has kept me there for so long (pension is good too). The thing is, it most certainly has never ever been the thing that defines me. I have so many more precious things outside of work, that I will never be looking for something to do. I have an off grid (solar) electronic music studio in the garden full of synthesisers and recording gear so I can play and play forever, without adding to the electric bill, with the added bonus of being able to make my own synths from skills I learned at work (I also have kept any electronic components, soldering irons test equipment etc thrown in the skip, by every electronics company I have worked for in the last 40 years!). I have also now built a much larger off grid system (2,500 watts) which will give us free air conditioning in the summer, and free electric heating in the winter to back up the wood burner. I often use the studio solar to charge other stuff, power tools, electric carpet sweepers, my electric bicyle, laptops, phones, tablets etc and the larger system will charge my wife's mobility scooter. There will also be power leftover for a planned model garden railway as I love a bit of model making. I have been researching history for 5 years, publishing a little book in 2019, with quite a few more to come, there is a website in progress (only two pages so far!) and yes, some very very exciting videos are being put together right now!
And although I'm hanging on to making the music until this project is finished, I still managed to put a handful of electronic music tracks on my channel. I spend a portion of my salary improving the house and garden, not to turn it into a showhouse, but to make sure I don't have to do those jobs when I retire - new double glazing, decent roofs for the garage and sheds, concrete, steel and plastic fencing, a few water butts, etc. As you can see, I have found many ways of preparing for the future without stacking up the cash (though I do that too).
I became mortgage free 3years ago (I was actually in a shortfall of £7000- but that was the exact figure my company paid us as a dividend that year, literally two days after the mortgage demand!).
As my 3 children are all grown up with their own lives, I have been able to ask my company if I can now work a four-day week, and that has been an amazing move and still leaves me with a decent salary, holidays, pension etc (20% retired yay!). I think I worked out that its about 1 year and 2 months less that I have to work in the theoretical 6 years until I retire at 67. Your video has enabled a little rethink in how I approach savings and investments so I now reckon I can stop at 64 (but thats 2 years at a 4 day week, and a 3 day week for the final year).
Sorry this was so long, but I felt my story may be of help to people in approaching retirement, or at at least inspire few ideas.
Many thanks.
I forgot to mention - next years dividend spend? I am already looking at quite decent sized all-year camping plots in scotland for around £6000! (Some even have salmon fishing rights for heaven's sake!) so lots of opportunity to get away for a week (self made campervan is another project on the list!) and get an income from letting it to others.
@@richardianson That sounds amazing. Where do you find camping plots, are they advertised?
@@ploppy193 just Google property for sale in Scotland, look at usual top 3 property listers, and order the results with the cheapest first. The first few will be larger plots with price on application (POA). A little further on there will be smaller plots starting at around £4000. Some are on scottish islands with views of the sea etc
Really good channel and great points, you talk a huge amount of sense. - I’m near retirement, - in 15 months, recognise that there will be phases, Preparing, then first - euphoria, no work, no clocks, trips away etc, avoid the pub and daytime TV like the plague, both have a siren call, - then dissolutionment, loss of purpose and structure, is this all? - then a dig it out phase, try this, try that, what works? What don’t I like? - then finally a normalisation phase where I try to milk everything to the best, build in structure, enjoy life, settle down, might take some time, took my dad a couple of quite tough years, realising that he did have enough money, he could spend it.. oddly some of us are conditioned to save rather than to spend, I know I am, Some go through the phases quickly, some slowly and some don’t fully progress at all and become a little miserable, lost, and lonely, - You might find yourself on your own eventually.
Building on stuff now that I’d like to do. I’m to an extent lucky in that I skills which are in demand - possible to go back to work while I physically/mentally can for a time - this would be the very last resort. It is a great risk reducer along with knowing the very minimum amount I need to live on should the worse happen - doesn’t mean I have to.
I’ve considered our personal rate of inflation to be quite low, - there are many things included in the inflation basket that we never or seldom need although some of it cannot be swerved.
Already lining up stuff to do, both big and small. I truly don’t give a hoot about loss of identity, I have a good life and far away from work. - Aged care is really difficult, it costs around £70k per year in care home fees, couldn’t sustain that for long, it is possible to plan and put everything into trusts, but 70% of us pass away without needing a massive amount of care.
Excellent video.
Thank you very much!
"fail to plan, plan to fail". Great vLog.
Yes! Thank you!
Thanks, my favourite couple. I am waiting for any new videos .We are 53 and time to prepare slowly our retaiment. Al your tips are very important for us. All the best, keep going. ❤
The dreaded budgeting! I view budgeting a bit like exercise. You can either approach exercise more as work, i.e.; joining a gym, scheduling and structuring your workouts -- OR, you can simply make being active/healthy a part of your daily lifestyle - and forget the structured workouts all together. Same with budgeting - you can either do the "work" of budgeting, OR, you can lean on sound financial principles and goals - and line up your daily approach to money and spending accordingly. Before long, it becomes a habit - to where budgeting in the common sense of the word, is no longer needed.
I feel that the personal identity thing, “what do you do?”, is a very Amero-centric thing. I it’s so people can rank you and compare you to themselves. I don’t really remember this being as big of a deal in the UK. I may be wrong. It might just be a me thing, because I’ve never tied my identity into my job. Perhaps I just didn’t care enough about it.
Sounds like me
Retirement planning scares me. Ive sacked my ifa as he was making more from my pension than he was making me. But i miss the planning software he had.
Great video!
I was wondering. You gave some drawdown methods in one of the previous videos. But I don’t think you covered the method you use.
Could you do a video or give more info on this? An updated spreadsheet with the method you use would be great. 😁
Hi John, that video is in the works but will be in a few weeks time. So please hang in there. 👍
@@2GoRoam cool! Sounds great. I am obviously too impatient. 😆
Thanks for your great work! I am using your “secret sauce” progress bars and track my FI fund each month. 😁
I was thinking the same. I've watched the videos on the 3 drawdowns, but yet to see/find the one on what drawdown method you used
In America if you retire before 65 you will have to pay a lot for health care. Unless you are considered poor then you can receive free health care. The problem is most people fit in the middle to where they have to pay a great deal for healthcare before they reach 65.
Spot on.
This is giving me anxiety. I make so little in the US and I save as much as I can and own my house, but it still won't be enough as a single person I don't think.
Go to a non western country. A lot of TH-cam videos show people living only on social security. I'm going from the UK to Mexico 🤞
Love the videos. You mentioned a few videos ago you would share your alternative plan for pension drawdown? Have I missed this?
Hang on in there Adam, the video is in the works. As we have been travelling a lot recently I haven't had a fixed location to work. It will be coming in a couple of weeks 👍
@@2GoRoam Thanks for your reply. Look forward to the video. Glad I have not missed it.
Really like the walking videos, nice vibe. Take a minute and tell us where you are and what you are doing there as you walk would be great. Maybe include some sights and sounds shots of interesting things.
You can subscribe to their travel channel 2GoRoam Travels to learn about where they are.
Many thanks for your time in making this. Lots of good, well thought out comments. I think you are a bit harsh in the identity thing. I’m an engineer and strongly identify with wanting (almost needing) to know how things work. This carries well over into hobbies and problem solving. Thanks again.
If you’re going into long term care most can sell their now superfluous home to pay for it unless you want to hand it to your children….
Those who want to "age in place" may put use "long term care" funds into hiring home health aides, but then they still have the house. (Long term care insurance pays for either--but I personally am not a fan of the system, seems like a highly expensive and flawed budgeting system.) Reverse mortgages would seem logical but that seems to be a shady system.
@@Laura-kb5sr there is a good argument that dementia etc is like any other illness hence care should be paid for by NHS, but no one will find budget for that. Cost could be reduced dramatically if people in their 50s downsize to a house that is adapted for care and for general life after 50 like The Villages in Florida. ( good for housing market as well)
Good man - 59 next year and have a plan. thank you
Hi Neil, I’d love to know your thoughts on how to get your spouse to retire when you have already retired. We are the same age and I retired at 55 (kinda wasn’t expecting to but just had to stop what I was doing before it finished me off!) I don’t really expect you to have an answer, I guess I’m just highlighting the issue. Nowadays when so many couple both work - unlike in our parents era (I’m 57 btw) when one retires before the other it brings with it so many difficulties. You and Sarah have been able to support each other through a lot of emotional stuff because you retired together, whereas when one of a couple are still working it is different. It’s almost like I want to draw attention to retirement when it is only one of you who has retired. How to cope with that sense of guilt that you’re not contributing etc And then begrudging almost becoming a traditional ‘housewife’ as in I am in and have nothing to do except cook and clean etc makes sense? It’s not all doom and gloom. I have a couple of side hustles to occupy me, and a heap of creativity, I need to do something other than housework and gardening! But he only gets the 4 weeks off a year so I feel we are missing out. On a side note I am a hopeless planner/budgeter and maybe a step by step budget 101 for total idiots is what I need. I literally need to know how to know how to work out what I spend on groceries each week - do i keep receipts and add them up and average them out or do I look at my bank account … ha ha I’m not quite that bad … OK I am. I’m enjoying the content btw.
Hi Jules, we made a video on this a while ago titled "Our Retirement Changed..." Thumbnail says "Confronting our problem", let me know if that helps. Email me rather than reply to this comment though as there are so many here, they get lost! neil@2goroam.com
Hope that helps
I'm accountant, ha for real!!! BUT more importantly I'm a child of God, adventure seeker & nature lover. I'm 49 and plan to real by 59 or at least to only part time work that feels less like work, but I hope when I retire I don't lose those 3 things. Accountant is ok to fall away when time comes. Great video! Thanks and enjoy making more!
Measure twice , cut once.
In the U.S., people are so encouraged to spend so much time and energy working that there may not be a whole lot else :( It's often synonymous with "what do you spend most of your time doing?"
Great points. My biggest fear is health.
For the money part the Rule of 72 should keep the inflation devaluation at bay. Even at just 4% interest your money doubles at 18 years, 5%, about 14 years.
We were budgeting $2k to $3k a month. Which is a fraction of what we spend currently. More so it's our housing and vehicle costs.
I'm seeing a shift in the retirement and slow traveling mindset. 🤔
More and more people say, in their 40s, 50s, and 60s, are learning that earning additional money, even replacing their former full-time income, is very doable online. Be it semi-passive or by geo arbitrage.
Plus like you said it keeps one relevant. The 4 day work week is just the tip of the iceberg example.
Loss of Personal identity can be due to ego . I study/ follow Buddhism it definitely helps …
Why would we go to Switzerland for long term care?
Another great video. You are so right about planning for inflation - need to invest in assets that give returns above this. I'm lucky as I will have a DB index linked pension to cover the basics. Then invest 100% in a passive global index tracker and run with assumption of inflation at 3% and investment return at 5% long term. Hope that resonates with you. Many thanks again.
What is a resilience expert?
Great video series you really put a lot of thought and effort into retirement planning thank you so much for your insight. I also like the travel videos. Would love to see a pub video if you ever make one for fun :)
Healthcare inflation will be very high in future due to trained staff shortages and general shortage of young people
I think most of this is not at all for the average person. Most of us will collect our pensions and have nothing more. We may not be able to make it, but my point is- no one I know has a million dollars in savings, and I doubt most people have one tenth of that. It’s very unrealistic.
For inflation... why not just assume the investment will grow at the rate of inflation? Seems simple, ignore inflation and ignore growth.
Hope for the best. PREPARE for the worst.
PREPARE for the worst.
PREPARE for the worst.
I'm 39 years old and have just been fired. What options do I have for a consistent source of income now that I have $425K saved for an early retirement at age 50, $10K in an HSA, and a property that could provide an additional $200K?
It’s reasonable to consider getting a financial advisor now, but delaying retirement might be a wiser choice
I’m unsure weather to find another job or merge all my investment accounts into one. If I do, how should I handle it, and are there any potential drawbacks? I also plan to sell my property, which could add $200K over time. Should I consolidate my investments into a single account or spread them across various markets?
These are crucial questions for a financial planner. I met mine at a NYSE summit, and with her help, my wife and I reallocated our $1.7M portfolio between a traditional IRA and a brokerage account. She’s been making investments with our approval and has helped us recover twice our losses. We’re holding steady and carefully navigating more markets
Leah Foster Alderman. Look her up online; she’s well-known.
Leah Foster Alderman.
Do we really ever retire.....
So true. I tell my daughter my new career choice is going to be an Instagram influencer. 😳😉💰. I just need some cool clothes, trim down my dad body and.....or maybe I'll just work remotely. 😊
Good video, thanks Neil! Sense of purpose is important!