My dad passed away from cancer when he was 31 years old. There’s just no guarantee that we will have this “long life” to work and then retire. Thank you for this video.
Meanwhile 80% of the population makes it to 60-80yo. Your anecdotal argument, is illogical and mathematically redundant. So live in the moment... enjoy and spend all your money today... Fook tomorrow (sarcasm). Sorry about your Dad.
Sorry for your loss. The idea is to strike the right balance for you. Some people value retiring early, some don't. Yes, you don't know how long you have left to live, but its also not only life and death. Life can come at you in many ways. It doesn't hurt to have money available to take care of the things life throws at you.
I'm a single, 43-year-old father who resides in Hamburg. If everything continues to go well for me, I intend to retire at age 50. I couldn't be happier right now than I am that I just bought my first house last month. I'm so happy that I made wise choices that altered my life forever.
Salutations, dude. At your age, you're doing extremely well. I'm 54 years old, and right now my finances are a mess. Any helpful advice would be greatly appreciated in helping to mold my life. I want to buy a home of my own.
It seems like I used the FIRE movement to manage my finances. Investigate it further by doing some research. With the help of a financial professional, they were then successful when investing in stocks, cryptocurrencies, and real estate.
'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.
Most ppl get caught up in the game, living in the past or the future, chasing illusions, and will have never truly lived. All the time you could ever ask for is now.
March 2022, and I have posted my first videos. I am hesitant but at the same time I want to risk it all. I want to show you my world in Kenya. Hoping that you will love it. Hoping that I will enjoy it too.
I remember as a kid, my neighbor told me that "Alex if you enjoy playing golf, or traveling, or hiking, do it now, don't want till retirement. You can do those activities now and during retirement" I've always tried to create a balanced approach to life, but also a disciplined one. Anyway, I hope all is well Sophie! :)
@ Malama, yeah but the problem is most people dont save enough for retirement by traveling and taking all these vacations keeping up with everyone on social media. Not including Inflation and consumer debt. The average person needs two jobs or job and side hustle just to get by. Look at the housing market, the average persons making 50k a year wont even be able to qualify now. Times are so different
Hahahaha. An old guy I met at an RV park told me to get all the fun I can while young and able. He said, look at me, it takes me so long to get on my knees to pull the poop tank valves from the RV. 😁 Pain, he said, will be your constant companion when old.
If the globalists of the world have their way (the 'elites' , gates , soros, rothchilds etc) then we'd never retire. We will be wage slaves till the day we die with their proposed 'social credit system' and their digital currency that resets at the end of each month. They will make saving impossible , so no retirement ever. Look it up, the world economic forum, the bill and melinda gates foundation, they are proposing these things.
This. Too many focus on the RE part. RE (retire early) really should be replaced with "recreational employment". It would make so much more sense. "Retire" technically means stop working, but to me, it simply means no longer HAVING to work for financial reasons. If I am making money because I choose to, I don't really consider that working. Just simply being a part of my community that I'm lucky enough to profit on. The real focus should be the FI part. And from there, there are so many options such as coast FI, barista FI, lean FI, or just regular FIRE, etc. Depending on what each individual wants. FIRE gets a bad reputation because some don't want to retire early because they think it just means sit around and do nothing, and they'll get bored.
On my last day of basic training, my drill sergeant said, "no matter how long you are in the army, make sure you have a life outside of the army." When I got stationed in Germany two years ago, I finally understood what he meant. Traveling around Europe from Budapest to Paris, has been such an eye opening experience for me. I am not afraid of retirement because I already know how I am going to spend it. Keep up the good work.
@@joanne9604 I would suggest that if you have to ask, you are not yet ready to retire. I'm a year away from retiring early from an executive position. My identify is not tied to my current role or organization, and I have more than enough interests outside of work to keep myself occupied for a lifetime. I won't be bored, and I also won't miss the health-sapping stress of work. 🙂
@@lasticonoclast yes I'll not ready to retire. I've had a lot of interest as a kid. It kind of dies out as I age. I think I've not put my hobby in a greater priority than it deserves
I retired from the military in 2018 at age 41. I have rental properties and that allows me to be financially free. I have been traveling and enjoy it but we also should consider building new relationships. Early retirement can get lonely if you don’t fill your time with productive hobbies. It is a new area that we explore within ourselves.
My parents spent their whole lives worrying about pensions and retirement. I cannot tell you how many anxious conversations I listened to growing up, and I can only guess at the tensions that built up in their marriage. Then a year ago, my dad was diagnosed with terminal cancer. Now my parents are glad for the moments where they relaxed their budget to go on a nice holiday and buy the good TV they wanted. It's not about being crazy with money and having a disregard for the future - it's just about not sacrificing everything now for a future that may never happen. In many ways, hedging your bets on retirement being the Good Life is akin to gambling with the lottery.
Majority of retired people are struggling financially... Have a guess what kind of mentality they have when they were young? If you want to be part of the statistics, go ahead... Live today as if there's no tomorrow, getting old with arthritis and no money.
In my semi-retirement at age 67, I love pet sitting on my terms. I was a former nurse and after losing my friend and boss last year to the virus, I decided to cut back on anything I do not enjoy doing to the fullest, and that could threaten my health. I decided to reduce stress and I became a dog walker for three-to-four hours mid-day Monday to Friday and while it does not pay as well, I am able to enjoy life more. I am keeping fit as I walk 2-4 miles per day usually and I have time to do other things as well. I love the freedom that the schedule gives me and I walk only one dog at a time. I can take off time for visiting my family when I want and I am much happier than I was when I was working full time. The boss I lost always dreamed of retirement and at 78 he still was working most days of the workweek. I have learned tomorrow is not guaranteed, we must make time for ourselves while we can.
Your post is really meaningful to me. First off, I have your same first name and your last name as my middle name. Secondly I’m reaching for a similar goal. I’m only 44 years old and still have some full-time work ahead of me. But my goal is to save enough money that I can work part time. Just like you. Work on my own terms. Also working in an environment that provides me with a healthier lifestyle. I love what you’ve done with your life in semi retirement. I enjoy working and I enjoy being productive. So I definitely don’t think I’ll stop working. But 40 hours a week is killing me. Especially raising a family right now. I have teenagers and they are soon to be adults so there is a light at the end of the tunnel. And I’m looking forward to being an empty nester so I can pursue some of my own dreams and save a little more of my hard-earned money. There are many interests that I’ve left behind in pursuit of taking care of my family. Like playing an instrument and creating art. I’m looking forward to the day that I can take some classes and relearn those things. Who knows maybe I can supplement income with some of those talents. I’m so happy for the changes that you made in your life. You’re an inspiration to me.
i can't believe you are still working part time as a nurse at 67. shouldn't you be retired by now and just do the dog walking. nursing is way too stressful, even part time.
@@jenshark4 maybe some of your objectives don't have to wait until your teenagers are adults....maybe you and your kids can take an art class together- you'll be able to create things here and now, and (bonus) it could make for good bonding time with your kids :). Doesn't have to be that example, but I believe the point she was making was to make time for this types of things now...
Biggest lesson i learnt in 2023 in the stock market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
53 and still working, fine, planet has lots of work to be done, yet I do it at my pace. Kids not taken for granted, nor physical health requirements, or that of civil society. Play piano and acquired a second language too. You simply don’t need retirement, although having your money stable is helpful.
Slow living is a concept that I have embraced for the last two years. It is the reason I find your channel so intriguing. You are wise beyond your years. I can't tell you how much I've learned from watching. Thank you for all you share with your subscribers.
March 2022, and I have posted my first videos. I am hesitant but at the same time I want to risk it all. I want to show you my world in Kenya. Hoping that you will love it. Hoping that I will enjoy it too.
Intuitive inner knowing and discerning to choose the ultimate path does wonders hopefully when we do things we love wholeheartedly for the greater good. On higher spiritual levels , all is one and one is all ...
This video spoke to me so deeply, it made me realize that we are human and we need something to drive us like work but it doesn't have to be all consuming because at the end of the day we are human beings not human doings. Rest is just as important and its ok to have ebb and flows and seasons with all of them. Thank you for showing that there's another way to live simply by enjoying the journey instead of just constantly driving towards the destination.
I'm glad this message resonates with you. I also need reminders to slow down and just enjoy the life that's going on around me. thank you for watching!
@@MalamaLife Something driving me now after being kicked off due to working too long only in one big company is to study machine learning. I try to find out how to get an eternal life.First I need to understand consciousness. Well, consciousness is not a static thing, so we need to store it in some type of memory, but it will need to get ‘CPU-time’ also, just like an uploaded version of you would need for ‘thinking’. Then our brains need input from the outside world (or a simulated world) and it would be pleasant if we can also act in that world: manipulate the state a bit by having actuators or maybe by sheer will power. Note: there are already devices that can pick up brain waves to help disabled people have some kind of effect in this world. They can move an arm prosthesis or mouse cursor, whatever. Having no inputs will lead to insanity quickly. Having inputs but no way to act is very scary also. Imagine you can see some scary thing coming your way and you can’t run or hide from it? I thus would like to go so far we need all 4 ingredients: memory, CPU, input (sensors), output (actuators) and I consider this the very minimum. If your virtual brain is placed in a virtual environment that is just too weird, you may not be able to adapt to it. Have a happy life to the other side where your soul will go.
It also means that one doesn’t really know themselves. People in an industrial societal are programmed to be this way. This lady got of the box, got scared and jumped back in.
A wise woman taught me to live my daily life in such a balanced way that I never needed a vacation. That was ten years ago and it allowed me to escape the work spend cycle, leaving time to attend my son's school functions, have long lunches with friends, and attend weekly meditation circles. I make a fraction of my former salary, but I'm filled with joy and peace. If I pass early, I'll have no regrets, no stone unturned. Thanks for the great video and for using your platform to share such balanced insight.
About five years ago at a breakfast w/ my boss, he asked how things were going. I said the travel is killing me! 13 years on the road for work had lead to over a year away from home. He said nothing! That’s the day that changed the way I felt about work.
This is the problem. In his head, he probably was thinking “well, you were hired knowing there was significant travel…” so he doesn’t see a need to change or modify your position ~ also, bosses are used to hearing “everything is fine” even when it’s not. So, as much as he acted like he cared by asking…he was anticipating a different response, one that would mask the fact that he does NOT care!
@@lindseydowney926 In the words of a character in a famous movie.... "Listen kid, nobody cares. Worry about yourself, your family and the people who are important to you."
You make a lot of good points in this video but I'm going to have to respectfully disagree with some of them. I also know a lot of people who have retired and ended up sad, lonely, or with major health problems but all of them had one thing in common. They all had no hobbies. They all ended up sitting home watching T.V. all day and going to casinos too much to gamble. Many of them also smoked, drank, and ate too much. They stop taking care of themselves and wonder why they are unhappy. In my opinion, retirement has nothing to do with it. Not planning on what you are going to do while you are retired is what causes people to go downhill during their retirement years. I have books to read, games to play, and enough healthy hobbies to keep me healthy for many lifetimes with the occasional vice to keep me sane. I get slightly annoyed when people blame retirement for their problems because often the people complaining about being retired haven't done much of anything to make it enjoyable.
You're so right. Having hobbies and finding your passion is so important. My observation is that many don't take the time to find their hobbies during their younger years which leads to the retirement blues
This guy gets it. If I retired now, I would spend all day raising my kids and being there to watch them grow up. I have motivation to retire early. Unfortunately not everyone has something to look forward to when they retire besides not being at their job all day
The aim should not to retire from a career (if you have one) that you got through good education and hard work but to have the financial freedom to scale down your work life to a part time level . It's healthy to work but at a level you're comfortable at.
I bought my first property at age 19 thinking I was going to be the king soon .. one year later in 2007, the economy crashed ..my 140k became 30k.. this taught me a lot about money and life .. even though i didn’t quit right there, I kind of went on a slow pace. I took many vacations every year .. and recently I took almost two years off from work and lived out of the US.. I’m a Respiratory Therapist and I see many dying .. i try to enjoy my life and for me it could be as simple as sipping a cup of coffee sitting in my backyard watching some birds and squirrels .. I have a small house and a normal car .. My friends with 5000 sqft homes don’t even have time to sit on their sofa
I'm a professional housecleaner. Trust me, the big houses I clean are mostly just storage units for unused furniture and nicknacks to 'fill the space'.
As a single parent a lot of people had suggested that I get a second job or a business on the side. But I refused to even entertain the idea as to me my quality of life with my child and being able to maintain the few true connections I have in life with fnfs is more important than the extra money. Like you I too believe in living way below my means and its worked so far for me. But I do wonder if I will be able to support myself in my old age... and for that I am pushing myself to complete my professional qualification, which will open more opportunity for me... but one thing I have realised in all this and that is, we should not live in the fear of tomorrow, but live sensibly today and take pleasure and appreciate the small yet beautiful things in life.. and hence why I subscribe to you ... I look forward to your videos every week!!! Love your work! Thank you for being you :) More power to you :) x
I feel like this video was meant for me. The past few years I’ve spent time doing overtime, spending mindfully and doing what it takes to pay off our home (we are both 38) so that we can slow down and work part time. We have a little less than two years to go and I can’t make the time go fast enough to reach this milestone. Great reminder to enjoy life as it is happening right now as we will never get this time back.
Same for my wife and I, I’m 39 and she’s 34 and we paid off our mortgage 8 months ago and living a much more relaxed life now. Took us 7 years of sacrifice and throwing everything at the house but we didn’t sacrifice our time with more work but mostly living beneath our means instead. Still went on vacations and enjoyed life.
As a pre med student who often dictates my worth on what I accomplish this was so important for me to hear. Thanks for the gentle reminder to stop and smell the roses 💜
Work and goals are addictive. Now I don't know how to live without those goals. Money isn't enough to save but I refuse to die working! I am scared but it must be done. You are a point of light and joy, not a tittle. Have a hobby from now. Most ppl die before or the same year they retire.
Some advice. Make sure to get a lot of work experience now. You need to make sure that you actually like the job, before making such a commitment to going through the schooling and invest your time/money. It would suck to get out at age 30+ only to realize that you’re not happy once you start working.
Chasing dreams instead of realising that you are actually living a dream is honestly tragic. We have a false sense of what life should be, I think, and it makes us lose ourselves and waste our time.
*To all the dreamers out there, don't ever let the world's negativity disenchant you or your spirit. If you surround yourself with love and right people, ANYTHING is possible...*
I'm 44 and can't wait to retire early, I hate my job, it drains me entirely. All my previous jobs did as well. I feel so fine during my vacations, it feels as if life comes back to me when not having to show up in this terrible office. I don't know what boredom is, life is full of interesting things to learn, to study, to experience. Life is only boring and monotonous when at work. It is beyond my imagination how people can feel bored and not know what to do with their time after they retired - I guess they're just boring to the core inside. Retiring late also bears the risk that your health no longer allows you to start travelling as you always dreamed of when you were young and trapped in the rat race. There's an expiry date to everything and my biggest fear is to run out of time and waste my precious years in the rat race.
I agree but make sure you are doing some of the things you want to do now instead of putting them off until retirement just in case you don't live long enough to even retire early. I lost my 39 year old cousin two years ago out of the blue to a blood infection. I'm 50 and feel similarly. I want to retire so bad....or at least drop to part-time work instead of the 50 hours I've been required to do to keep up at work. It's exhausting. Still we are taking (frugal) international trips every couple of years to make sure we get to do them while we are still young enough to do them. Hopefully retirement will allow us more time to travel but no guarantees.
Lmao of course you feel free on vacation. You aren't worried about bills to pay or how you're going to eat or feed your family or a depleting savings amd retirement accounts. Everyone feels free and happy on vacation. Reality is different than a permanent vacation unless you have millions saved and invested. The vast majority of early retired people go back to work to some degree. Myself included. I retired at 40 with a paid off house and even I got tired of "early retirement ". I filled my days with many things to stay busy yet I still had no purpose amd felt alone.
This makes so much sense. I haven't realised how much hustle culture was affecting me until I got sick and all I kept thinking about is how to be productive. 💯 Thank you for this💕
I was discussing this the other day with one friend, he argued that he wanted to achieve FIRE in order not to work anymore and do nothing but I argued that work is necessary for us, and to me achivieving FIRE is more having the option to work rather that having to work in order to afford to live. Once I get get there I will still work but I want to do it because I want to and not because I have to pay the bills
Consider living as this is your second or third life and apply the wisdom readily discernible. Time passes slow for me, which is swell. Self employed, wife, kids, health, toys etc. All doable…
The earlier you start saving and investing the better off you will be. Compounding interest is a type of black magic that few talk about outside investing circles, but it could very well be THE determining factor between a life of un-ending work, and a life of earlier-than-you-might-expect financial independence. The best way to compound is to start saving and investing as early as possible. You would be better off financially by saving a good chunk of money at 19 and letting it compound untouched and un-added to in a index stock fund over the next 20 years, than by saving a little bit here and there every few months for the next 20 years. Granted, getting into the adult world, getting your first real paying job are exciting and it's easy to soon take that money for granted. There are people making big salaries and blowing it all every paycheck... 200k 300k a year and somehow their "lifestyle" expanded to consume it all. Don't allow yourself to become this. Even normal unglamorous salaries have enough room to save some money if you are focused on it. It may seem like I am going against the theme of this video. There are certainly valid arguments to be made about enjoying life in the moment rather than sacrificing now for later. After all the NOW is really the only time we actually have. BUT BUT BUT when I was your age I wish I truly understood the benefit of compounding and how much of a game changer saving money EARLY would be, I would have really focused and planned and even sacrificed a bit to save more money in my early 20's. Balance is the key in all things. Just a little advice from a stranger on the internet. Good luck. Be smart. And enjoy your early adult years.
@@TanukiDigital same here. If I could do it all over, I would have saved as much money as possible in those early working years, when it’s normal to have roommates or still live with family.
@@username00009 You more than correct. My brother former coworker started earlier when all of us "were living to the fullest". We even laughted on him because he was missing out by being frugal and investing, we used to call savings and inventing "adult things" now 10 year later (same age as me 34) his investiments is paying off, he lives wherever country he wants and work with whatever hi feels like. I got a wife and have children that himself homeschool them and enjoy all extra time with his kid including summer breaks. I have started a bit late when I turned 30, thanks I have a good salary and I'm investing hardcore by being very frugal. Within 3 years (37) I will be able to withdraw 100% of my monthly expenses, but, will continuing work cause I love my work, it will allow me to be more loose with my salary and enjoy more out of this life by helping people in need.
Thank you for sharing your story. I am 44, invested 70% of my salary on a monthly basis for many years, and I am very happy with my decision to retire early. Luckily, I worked 8-5, Mondays to Fridays, and I still had time to do what I needed to do like taking a vacation, and spending quality time with my family. I also had a retirement plan. All the best with following your dreams.
I talk a lot about what you mentioned in this video on my channel. People need to find a golden middle or a balance as you said. There is no point in sacrificing your youth in order to achieve early retirement, if it makes your current existence completely meaningless. I think most Americans need to focus on deeper relationships with friends and family, and even more so on traveling more.
As long as you can afford it. But there are a lot of young people that haven’t worked and want to be paid to do nothing/I agree life isn’t about working every second but working builds your character and it allows freedom. If you are reliant on government then you are not free. I’m sure that’s not what you mean I think most Americans do focus on relationships but I noticed younger people seem to be focused on not working.. what do you think?
@@stevdaughtr6098 as a young person the problem is that young ppl dont want to work, but then the question becomes why? Why dont young people want to work anymore. Honestly the answer is quite simple. Kids my age 25 and under cant afford shit. we have been told our whole life to just work hard and good things would happen. Well we get out of school work hard for a year or 2 and then realize that everything we have learned is absolutely false. I cant even dream about being able to afford a car, let alone getting a house in a few years just after paying my damn rent and other utilities every month. I work at fedex 40+hrs a week. I have no life other than going to a factory and lifting boxes all day for 16 an hr. Then I get out of work just in time to get home and go to sleep cause I gotta do that shit again for the rest of the year if I want to sleep indoors and have food to eat. So fuck that. I quit and Im never going back to a workforce in a society that doesnt give two shits about you as a human being. I was not put on the earth to spend my next 40 years at some corporate job. That shit is not important to ppl my age. We just want to be able to live our lives and have experiences without having to give our life away to some dumbass job and company who could not careless if I literally dropped dead tommorow.
My husband and I retired 3 years ago in our 30s and life is great. We do whatever we want everyday, I will never go back to the life crushing grind of working a crap job. Freedom is wonderful
The issue with reaching retirement is we lose ourselves in the process. We are programmed to work to retire instead of working because we enjoy it and to use our gifts and talents. Work consumes so much of our time we forget what brings us happiness. I actually look forward to retiring, not because of work itself. But the opportunity to delve deeper into my spirituality and soul gifts. Its up to us to decide if we want work to consume us or find balance in our lives. Great video as always ❤
The background music increases the impact of your message so much more. I am rethinking several decisions. Thank you for making me ponder over life's important questions.
Retired from federal government at 56 in 2019. During working years I collected 46 residential rental units. Today I spent the day on the beach in Key West. Even though I was at the beach enjoying myself, I was actively managing my rental properties with phone calls and texts to contractors and tenants. I love this balance of staying engaged, while at the same time living the life of a retiree
You have good points. Fortunately my family managed to do both. Live a full life focusing on family and our individual needs and could retire early. We are in our 70s now and have enjoyed our entire lifetime together. I’m glad you’ve been able to find balance.
I recommend reading the book soulful simplicity. It has a beautiful quote “we forget to enjoy the journey while chasing the destination” (Not exact words, but had this message)
A problem I sometimes see and interpret from the fire movement (esp lean fire) is that working is this dark tunnel and that freedom and retiring early even if that means being super frugal is the ultimate light at the end of the tunnel. For me if I'd give advice to someone right now would be to find a work that you truly enjoy going to everyday, it might not be your first or 2nd or 3rd job but keep trying. Work and save money and once you built up a decent capital you can choose to continue to work full time, go down in work hours to maybe 75%, 60%, 50% etc. Or maybe work a seasonal job and take the rest of the year off like a longer vacation. In the end I do think fire sometimes unfortunately has the issue of causing large economic stress in millionaires trying to be as frugal as possible. It's absolutely possible to both work and have a lot of free time to enjoy life putting some pressure away from the constant frugality and investing :)
Very interesting and valid perspective. One thing I’d like to point out is, at least for me, FIRE is about having the courage to stop working at an age that most of society does not accept. Most follow a path we’ve been conditioned to follow, but life is not set, and we all have to make our own decisions.
I'm only in my early 30s, but now I regret not travelling with friends in my 20s. Now everyone is too busy with their own families and kids and our bodies are already starting to break.
Most people who want to retire early just don't like their jobs. The solution is to get a enjoyable job so every day and every moment can be cherished. (Most people you hear about who retire early publicize their methods in return for money. That's changing a job rather than retiring.)
You’ve changed my mind. I was trying to retire early but ran into health issues that were probably from stress and overwork. Maybe my goal will be part time work instead. Take care
Hello! I'm in college and this really spoke to me because I'm a year behind on graduating. I've been feeling bad about it because so many of my friends are graduating in 3 or 4 years. This video reminded me to enjoy the college experience and not be so caught up in what other people are doing and how they are living their live; I'm just going to focus on mine.
My father retired at 50 years old, which is 10 years ago. We are all very happy about this. Because he is happier, healthier, calmer and enjoys life now.
About to retire at age 64. I've spent over 40 years in the working world, but took 'time-out' periods during those years to see different parts of the world, do things I wanted to do, accomplish goals I set for myself. Those 'time-outs' ranged from 3 weeks to six weeks. That was the best thing I ever did as it helped me re-prioritize and change direction when needed. I didn't spend a lot on materialistic things, but did invest properly and will have pension income from a former job. I'm set for the latter years of life and satisfied with where I've come from and what I've accomplished in the last 40+ years.
This is such a beautiful message. I've come to have similar attitude over the years - to make time NOW for travel, family, and friends instead of waiting for some mythical future where I "have more time." But it's such an important reminder, and I still get caught up in the day to day work. Finding balance is a lifelong pursuit. You are wise beyond your years and this is just such a great video, thank you.
I also think that generational mindset plays a key factor in conditioning. Like our parents, they conditioned us to "work hard" to be successful because of their experiences, to earn much so that they could enjoy retirement life. But times have changed and our circumstances are different so "working hard" isn't really applicable nowadays and we also learned that it would take a toll on our health and our precious time to the point it would stress us out. Working smart is the new standard to achieve meaningful work-life balance, as well as self-fulfillment~ This is an eye-opener discussion for us adults and soon-to-be adults. Thank you for your wonderful insights as always, Sophie! 🥰
I agree with you about the generational mindset. We can take the important lessons from the previous generations, but re-invent to what works better for us moving forward. thanks for your comment Regine
Not to mention that many older generations hade progressive policies which included pensions, unions, etc which many today dont have. They tend to leave that part out when it comes to hard work. 401k were and are not designed for retirement as well.
Thank you for another wonderful video Sophie! I definitely needed to hear this perspective today. I work a stressful full time job, I have husband and young daughter. I recently started going back to college (online) to finish my bachelor’s degree and can’t help but to think of quitting. I’m missing so many little but important moments with my family I know I can’t get back. Those moments will mean a lot more to me than hours studying alone in a room. My husband is a recent Colorectal cancer survivor what we’ve experienced has made me realize I’m chasing dreams that might not be as important to me as they once were.
Thanks for the reminder - Climbing the ladder of success and you get to the top and then you realize it was leaning against the wrong wall. Nice to see your hubby! Thanks as always for sharing your Ｌｉｆｅ.
Thanks for sharing! I really appreciated the point you were making about work and time. Wish I had seen this 20+ years ago when I was starting my career. I am retired now at 59 and am enjoying it very much - a simple life, nothing extravagant but enjoying the time for running, cycling, recently took up swimming, cooking healthy plant based meals (mostly), new relationship with an amazing woman and, last but not least, meditation. I a, sure there will be more but I have no problem filling up my hours. It is very individual and some people seem made to work longer…and I may too but it will be something that means something to me and not just to sock away more money for the sake of it. Best to all.
I completely agree with you and I actually practice most of these things that you suggest in this video. I always tell people that NOW is my retirement year. What I mean by that is eventhough I am still working now, I find ways and time to do what I love and I will not wait until I retire in order to do it. If I get to my retirement years then that’s already a bonus.
I see where you are coming from. For me, I've always strived for work life balance. I have a great corporate job that pays well, and still allows me to enjoy my hobbies, personal development, family time and travel once or twice a year. As good as it can be, what I want at this point in my life, is the ULTIMATE freedom. I want to be able to work when I want and where I want, or sometimes don't work at all. I am at a later stage of my working life, and probably going for FI is a shorter finishing line and makes more sense than starting a few side hustles. My plan is to go FI, take sometime off and then, maybe find my next Ikigai, which will be on my own terms and time. The best thing money can buy for me is TIME!
I am really glad that this video popped up! Financial Freedom gives you so many options and people don't talk about it enough. Once you have control over your money your options are wide open and you can pivot what you are doing at any time. I am so thankful that I learned how to budget in my 20's!
I love your voice and how calming it is. I am one of those people who work 7 days a week nonstop and I only have a day off once a month. It's draining. I am now making an effort to take some time off and spend time with my loved ones.
Very good video. You should not plan the next 30 - 40 years. Life is constantly changing, and so are you. When you are 30 years old you don't know what you want to do when you are 60 years old. And don't forget: The brain wants to work, even when you are old.
Another thing to consider is that if you wait until you are much older and reach the traditional retirement age to lead a freer life your health might be too damaged to enjoy that freedom. By that age someone's mental health could be damaged through years of burn out, dementia or physical illnesses etc. I remember what happened to my Uncle, he had an incredibly intense and demanding job (he was often on call so he had to drop everything at a moments notice and travel halfway across the world). His whole life was work, work and more work. But after he had an operation on his foot he was going to retire and really relax for the first time in his entire working life. But during the operation he developed a bad blood clot and passed away. I learned a valuable lesson from this. Our future is not guaranteed. Who knows what could happen by that stage in our lives?.
I often think about a movie I watch alot. Benjamin Button mother said several times as things happened to people in the movie at different ages... "You never know what's coming for you" Those words really hit hard for me. My friend's sone became a pilot just like him. So then they both would run into each other traveling the world at ariports and cities. SO, back in 2014 his son was back in Miami taking a week off for his birthday. He decided to ride his motorcyle really fast during lunch hour. Unfortunately he smashed into a car a few blocks later. He died in the helicopter on the way to the trauma hospital. He was 27 a day from his 28th birthday. There are no guarantees in this life. "You never know what's coming for you".
I made the decision early in my life, not to wait until retirement to do the things I wanted. I has not only left me more fulfilled in my later years, but it has given me balance; allowing myself those things. It has helped me cope with the stresses of my career, being able to enjoy hobbies and interests in my spare time. I put in my 30 years, secured my pension and then retired at age 49 with that same philosophy. There was no reason for me to work until my 60's when I could live on my pension comfortably. Money has never been an ambition of mine. Even though I had a well-paying technical career, I didn't need to save huge sums of money to feel secure, because my needs are simple. I don't need a huge nest egg, I live minimally, and enjoy the simple things in life.
I reached FI at the age of 35, and after 3 months into a year-long sabbatical, I realised I'm not ready for retirement. I applied to an MBA programme and will be starting it this fall. There are many big problems in this world today that I want to contribute to, and this degree is a door into some of these areas, particularly in sustainability and climate change. I found the 80,000 Hours website useful in finding a high-impact career. Someone once told me, "When I was 20 I wanted to be a millionaire; now that I'm a millionaire, I want to be 20." Sacrificing your youth to get more money you don't or won't need doesn't make sense. Where I am financially is a blessing for sure. But I also want the rest of my career to matter - not to me but to this world and future generations. I hope you'd be able to find true meaning and purpose for yourself too, since the financial constraint that most are bound by has been stripped away.
Good points Isaac and love your inputs. I used to have my actual work every day and was beyond miserable. Was eager to achieve FI and do nothing afterwards and I'm only 34 lol. By the end of this year will mostly achieve Barista FIRE which I will be able to gain 65% of my monthly expenses when I turn 35. When I turn 37 will be able to gain 100% of my monthly living expenses and believe me I just started to fell in love with my work again and don't want to quit anymore lol. I think I was just ansious to be FI and will take as many as unpaid time off whenever I feel I need it.
Love this. I also have regrets about how I used my free time or didn't use it in the past. I used to work a full-time office job that offered "open PTO", which gives you unlimited PTO hours that you don't have to earn by putting in the hours. You can just take off whenever you want, however long you want. Surprise, very few people including myself rarely took time off at this job. Why? One of the reasons for me was because there was a definite shunning from leadership and managers when you took time off. There was a lot of lip service paid to how "great" this open PTO concept was, but there was also imposed guilt when you took it. "We can't function without you" or "don't be gone too long, the place will fall apart" may seem like a compliment, but when I heard it from bosses over and over and saw those bosses always working, it all made me feel guilty for wanting to go on a real vacation. Super toxic. If I could go back in time, I would ignore all of that and live my life. Nothing bad would have happened. Our culture has an incredibly unhealthy work culture. If we can collectively work against it, maybe things will change over time.
This is so definitely true! There was a time I had a job that gave us 6 weeks of vacation time. I would always take 3 weeks in the summer and 3 weeks during the christmas and new year holidays. I felt so relaxed by the 3rd week each time that it occurred to me that working all year sucks just to be a off a few weeks. The problem is like you said about them putting guilt and shunning taking PTO. Profits! Profits! They don't care about us. Like in a famous movie quote... "Listen kid, nobody cares. Worry about yourself, your family and the people who are important to you."
Every summer I now take 10 days plus the weekends in between with my family to go on vacation. Evertime it's time and I go, my boss likes to give me bs about it! I always tell him , "relax, the world will be fine during my short vacation". His dad had the nerve to say that I actually took 15 days vacation. I said, "how do you figure that? He said because of the weekends before and after you vacation add up to 15 days... The nerve of him to try to day that my weekends are Paid Time Off!!!
Hi Sophie, to me work serves 2 purposes : 1st : it finances my life, gives me the finances to do what I wanna do like read books, travel, take care of my home, etc. 2nd : it's a way for me to keep growing as a person. I work in a field that I like and I use my work as a means to keep learning and developing myself, becoming who I wanna be. I think work is a way of contributing to society while getting retribution in return. I also think work is not supposed to be the center of our lives, it's only one part and we can do our best to make it a nice one. Anyway, thank you for sharing your opinion, I love your videos, I always find them relaxing and they make me think about what I want for my life. xoxo
It is quite inspired. As everywhere is talking about FIRE, sometimes it is just too hard to control all expenses and keep on thinking how to make money. Time is never go back; we should well use our resources and enjoy our life. Working somehow is a happy thing too, you are connected with the world and have social life. FIRE also means an option on what you want to your lifestyle to be but it does not mean giving up all things.
Our nightmares are other people's dreams. Those of us that can create lifestyles, we are privileged. When it's all said and done, all that is left is gratitude. FIRE and wanting more is a luxury. Perhaps a quick look at what is beyond the top of Maslow's pyramid is key. We are lucky to have first world problems to contend. Some people don't even have that. Perhaps they are the luckier ones and have even less things to take for granted.
This really resinated with me, my family always told me growing up that I need to go to college, get a good job, find a husband and have children. They never spoke of living freely and going places or doing things they love. Everyday I think of my dreams and Its like a pull.
I've been interested in slow living for over a decade, but with undiagnosed (until I was 41) ADHD I viciously felt the pull of productivity rhetoric because I struggle enormously to regularly complete basic tasks daily, in order to be considered a functional human. Once diagnosed & medicated & I understood what was going on for me, I have been able to ditch the idea that grinding & earning money above all else is the optimal way to live. I can now give myself the compassion and grace to just slow down & focus on what's right for me & not stress to keep up a particular standard of life just to be seen as normal. It's not all it's cracked up to be. Focusing on what's important to me has now become more important to me than keeping up appearances & keeping up with the Joneses.
Thank you for your words! For me, your words came at the right time. My dream for the last 5 years was to study medicine. I already became a nurse, but I saw that job just as a 'step' to achieve my goals. Now I am working as an ICU nurse and I love it! Moreover I met a beautiful guy and we're about to start a life together. But I couldn't appreciate all that, because I always thought I had to fulfill my dream of studying medicine. So your words really helped me to appreciate my actual life, to open my eyes and see the current things around me and not what future could bring me. It is tough to say goodbye to my dream, but as I grow my dreams grow with me... Greetings from Germany❤️
This is wisdom and a great advise for those who have already been there. I dedicated my life to my career in an unloving corporate world where every ounce of profit is squeezed from customers as well as workers. Making matters worse are the hours of commute wasted on a daily basis. Worse still is the office politics which you have no control over or the corporate takeover resulting in labor cuts. We are all pawns for those in power. Luckily I am how in a well balanced life with the help of a tight labor market.
This was a beautiful and thoughtful video. I knew the FIRE movement wasn’t for me but couldn’t fully express why. This video explained it beautifully and releases the guilt I feel for not going the FIRE route. Thank you!
Thank you for this video. What you are saying I realized a couple of years ago, when I became financially independent in my early 40's and was able to quit my career job. However, instead of rushing to quit, I decided to work for a couple of months taking it easy throughout my day and I realized I actually do enjoy my work. I am able to work from home, so my schedule is very flexible, I work when I feel like it, and take breaks when I need rest. I am as productive as when I was in the office, but my pace is slower and my life is way more enjoyable. Work is not my focus anymore, my life is. With this mindset, I found balance and peace that came with it. I am not rushing to retire anymore and enjoying the day as it comes.
What industry do you work in that you have such flexibility? I have decent flexibility working in the finance industry, but meetings usually aren’t flexible.
How is a 6 1/2 minute video so meaningful and to the point..? In my journey through life, it was quite the opposite of what you have described. My problems started before I was even born and have dealt with dysfunction in family life for most of the time. Losing the few people who actually cared for me at a young age lead me to self medicate, drop out of high school, and waste a lot of time. While I did make some money through that time and into my 20's, it wasn't anything I could rely on in the future. I don't have my retirement figured out, which is a scary thought. So for a long time, I was stuck in a form of purgatory, trying to run away from problems which I didn't know how to deal with, which prevented me from taking the actions I needed to in the present to plan for the future. The longer it went on, the more anxiety and eventually depression/insomnia built up and took hold. While I was able to pull myself out of those dark days, I still deal with anxiety and I feel that anxiety and depression can literally show up on my doorstep again, depending on what life throws at me. In the present, my prospects are to work some job I don't necessarily enjoy for the foreseeable future and invest the best I know how and hopefully some luck will help out as well. Not the best outlook, but I think I'm heading in the right direction. Hopefully I can still have the time to do the simple things in life I enjoy, like long bike rides, reading, walks with the dog... Hopefully accomplish the goals most people have like owning real estate and not worrying about finances. Finding and living my "purpose" in life is a whole other story.. That feels like a whole other dream at this point. But who knows.. I definitely agree with you though. Tomorrow is NEVER guaranteed for ANYONE, so you should live your life according to your own terms the best you can, no matter what others or society says or thinks. It's your life.
Great commentary and I agree 100% that we need balance back in our lives. I've just resigned after 15 years in the Canadian military. It was my dream job since I was a kid and I made great efforts to get into my occupational trade. The salary was enough to be considered comfortably middle class and I was able to raise a small family in an idyllic locale, but it was fast becoming a toxic organization in an increasingly toxic country that no longer abides by basic ethics and morality. I made a decision to quit. We're currently in the process of selling our house in an overinflated housing market, paying off all debts, and will move to a different country for a more simple and inexpensive life. I'm looking to work just enough to sustain ourselves, and be able to support a school with our educational philosophy and hopefully help a new generation of children to have humanity and balance in their lives.
Life on this earth is much shorter than we think. I was thinking about starting the FIRE journey myself, this made me think about my mum. She passed away just before she was about to turn 40. This is one of my reasons for wanting to retire early. I don't want to keep working 5 days a week from 9-5 until I get to retirement age because its not guaranteed that I will get to the official retirement age
I'm furloughed this week and loving it. I love working also but I've gotten so many things done while im off. This morning i had a long conversation with my youngest daughter. It means a lot to me. I had time to buy the dip before stocks went up. My son offered to buy me a biscuit for breakfast. I'll go back to work Monday but enjoying life till then. Ill do my best to have a life while working also.
This is so inspiring, Thanks for sharing it Sophie. I'm turning 40 and I've a full time job. When I was younger, I used to be doing side hustle photoshooting weddings for additional money and spend very less time for myself. About 5 years ago, I've decided to quit photography and slowly let go of the social responsibilities I have. Now I have more time for myself and to learn new things.
Yes, it's a constant process instead of a one-time. Always think, reconsider and adapt to the changes. Love your story telling and keep up the good work.
When I got out of college I did temp work and had roommates. I saved money and took a trip and then went home and began working and saving. At 24 it was time for me to get a real job. When I interviewed I was criticized for my carefree lifestyle. For heavens sake I was 24!
You learned a valuable lesson at a younger age - life is about balance. My dad always told me to save like I'd live to be 100 and save enough money to take care of my self. But then also be aware that a bus might hit me on your way to work tomorrow so I needed to make sure I enjoy life along the way, just in case. Today FIRE is often the goal for people in their 30s or 40s and they miss to much along the easy trying to achieve it at such young ages. My generation saw early retirement as the mid fifties so that was my goal and what I did. That age was better suited to allowing me to live along the way and spend some more enjoying life yet still be able to retire at an age before most people do and worked out great. My wife and I were professionals and spent long hours working as well as traveling for work. But we forced ourselves to create many interests and activities outside of work so our jobs did not define us. We volunteered a lot, were involved in youth groups, I restored cars as well as did all of our home maintenance which allowed me to also help friends with their projects. I was a little concerned we'd get bored when we retired, but instead we threw ourselves into the activities we already had/enjoyed and it has been fantastic. Seamless transition. The happiest retirees I know are the busiest - just busy doing things they loved doing. My parents also got busy after retirement and we'd have to schedule time just to bring the kids over. After a few years of retirement dad commented that he didn't know how he ever found time to work. I understand that now and can happily say the same. So, I'd highly recommend developing several interests outside of work that you can just put your free time toward once you retire. Retire to something you enjoy doing - and there seems to be a direct relationship to busyness and happiness in my observations. Those who only lived for work and retire and just sit at home watching TV quickly get bored and depressed, and often don't live as long. If you love your job, it is ok to keep working as long as you want and better for you if work is your life.
For me, I aspire to retire early; but what aspire more is working less and needing less. Create the most value out of the resources I have, be it time or money, and try to spend less time earning money. I try to evaluate first if I really need something or not so that I don't buy as much useless stuff which will ultimately delay my goal effectively using my resources.
Thank you for shedding light onto this perspective. I feel with this mindset frees me from guilt of enjoying time with family and friends and the little things I find joy in.
Another point I wanna make, is that the only reason some of us can retire early and "do whatever we want", is because there are others who pick up the trash daily, fix the roads, make sure our houses don't flood etc.
We need to recognize the difference between working to live, and not living to work. My therapist and I had this conversation a few weeks ago, super eye opening!
So far in the past few months, I’ve slowed down buying to only maybe an IPO or something I already own that has been overly beaten down. The only money I’m consistently putting into the market is through my financial advisor.
Same here sold my stocks earlier and my strategy ever since has been pretty much-buying Gold and silver to protect my wealth but if I could come up with a way to stay invested and be profitable that would be brilliant.
Last year a colleague introduced me to a financial advisor *PRISCILLA DIANE AIVAZIAN* With her help, I have been able to diversify by investing in different markets and asset classes while also keeping an open eye for attractive stock picks. she is quite known so you can find more about her online.
Thanks for the recommendation I found her website easily online and I’m really satisfied with her reviews and certifications, this is a much safer and easier way for me to get back in this very volatile market.
I made the regret of my life tackling this volatile market by myself now it’s been red after red. Considering how badly I messed up my portfolio, I would love to get guidance.
I just checked out her name online *PRISCILLA DIANE AIVAZIAN* and was able to find her website, her qualification/testimonials seem solid with positive reviews. Thanks for sharing
Thanks for this video! Not just is this exactly how I feel and see this, but what so many others seem to forget or ignore. I’ve seen so many frugalists, who are just working day in day out, not buying anything, not allowing themselves to enjoy their life here and now, just saving up in order to be able to go to rent in their 40s. The only problem these (mostly young) people seem to forget: their life may not last forever. There may always be something unpredicted to happen. So while I definitely pursue a minimalist mindset and lifestyle, I don’t see frugalism as something desireable in order to find balance, peace, happiness or joy.
I really love that so many people are slowly becoming more aware of this mindset and not wanting to work work work but to live and work and balance life.. this was a beautiful video my fiance and I really enjoyed it. :) and here's to everyone finding balance and joy in every part of their beautiful lives!
First off, that was a truly beautiful video. Thank you for telling us your perspective. To me, working long hours and the cessation of work is the same thing; they're both extremes grounded in answering the same problem. The best answer lies in the middle, not the far left or right.
beautifully said! I feel this way too. Plus, you never know what circumstances life can throw at you. You might spend your thirties working so hard to retire early, only to die at 40. Live each day as if it is your last :-) (with some plans for the future also of course ;-)
Yep. I learnt this when I took a break from the financial independence community. It's a balance that we truly seek. Travel more, spend more time with friends and family etc. You don't need to retire Early to do that.
As a recent grad that is navigating work and career, I have found that my perspective of work has been shifting as I have been focusing on working less and being more present in life as before I studied and dedicated all my time for the career I was going to have and I lost so much time. But over the last two years everything had changed and I always get questions when will I get full time work and move back to the city, but I don't want to barely make rent and be stuck in a cycle of work. I feel like I have chosen the scary and unknown path as I take each day that comes, but I want to live a life full of passion projects, surrounded by nature and slow living. I m not chasing a dream, I am living it everyday.
Awesome video, I go through this everyday I'm 54 and still working but I work as a semi retiree, When I'm bored I go back to work, when I'm burned out from work I go back to enjoying life. That's the benefit of having your own business.
Formally, I was overly concentrated on FIRE and retiring at a young age. This obsession had a real negative impact on my life and relationships. It was also isolating and difficult mentally in terms of feeling useful and productive when not working. I'd encourage everyone to not get totally caught up in FIRE and pursue a more balanced life.
You are so gentle and honest and true. Thank you for reminding me, us, and your audience of the reality in life. In my own words, to truly live it and experience it. To live , not just exist. Thank you for your spark and sharing your story. Thank you for reminding us to slow down and make this life meaningful. I'm grateful I'm one of the few to land across your films! You are now a gem I want to keep a secret just for me~~ but I'm sure you're growth and energy will land on those who needs it, like myself. Thank you Sophie
I have always been a "work to live" kind of person, but I'm also the "Do what you love, and you'll never work a day in your life" kind of person. I haven't found contentment yet in my work, but I haven't given up yet either. Things are difficult to be sure.
On the first day when I was retired, I found your channel and knew how you live now. Thanks for your video contents. The google youtube algorithm is so smart that it knows what I want and introduces your channel to me. That's incredible.
I like to think of work as a means to afford me the things i love to do in my every day life. Eating well, gardening, making music and taking my loved ones out on special occasions. Although i may not love what i do for work, I have come to really appreciate what i can do because of it. And that outweighs the bad. Having a good mindset/relationship with work helps me to have a balanced life 😊 “living one day at a time, enjoying one moment at a time.” 🤲🏽
There’s so much I can say about this but you’re absolutely right. I’ve always had an issue with the topic of “retirement” I fear sitting in an office working all day solely dependent on a pension for my future. Which quite frankly never truly is enough. Financial freedom and retirement to me isn’t about never working again but about knowing that the work I do is out of love and passion and not necessity.
I agree. I've been saying that all along (especially since I've been working for myself). I know people who retired at 50 (my age) and it's always a mistake. I wanna fulfill a purpose and contribute until my last breath.
This video was so helpful. I’m 48 and reached my retirement goals last year right before the economy worsened. Now I’m still working while waiting for the economy to bounce back. This video has resonated deeply with me because it got me to see that I need to keep working at least at some capacity throughout my life. Thank you so much for your thoughtful sharing! Love your videos!
I resonate so deeply with ditching the "retire early" portion! I want financial independence eventually on my own slow terms by acquiring performing assets of course like many of us do. Not to have in retirement, just to be able to own eventually because it is a smart financial decision. However, I have thrown out the timeline I had made after facing debilitating health issues all throughout my 20's. I found integrative health and it changed my entire life. I only want financial independence to have choices, however I never see myself retiring. I want to do something on a sometimes basis for fun, not for the money. A chapter of life to hopefully be a grandma at that point in life, or go do something totally weird and different! Thank you for making this wonderful video and sharing your story!
If the globalists of the world have their way (the 'elites' , gates , soros, rothchilds etc) then we'd never retire. We will be wage slaves till the day we die with their proposed 'social credit system' and their digital currency that resets at the end of each month. They will make saving impossible , so no retirement ever. Look it up, the world economic forum, the bill and melinda gates foundation, they are proposing these things.
My dad passed away from cancer when he was 31 years old. There’s just no guarantee that we will have this “long life” to work and then retire. Thank you for this video.
Meanwhile 80% of the population makes it to 60-80yo.
Your anecdotal argument, is illogical and mathematically redundant.
So live in the moment... enjoy and spend all your money today... Fook tomorrow (sarcasm).
Sorry about your Dad.
Sorry for your loss. The idea is to strike the right balance for you. Some people value retiring early, some don't.
Yes, you don't know how long you have left to live, but its also not only life and death. Life can come at you in many ways. It doesn't hurt to have money available to take care of the things life throws at you.
I'm a single, 43-year-old father who resides in Hamburg. If everything continues to go well for me, I intend to retire at age 50. I couldn't be happier right now than I am that I just bought my first house last month. I'm so happy that I made wise choices that altered my life forever.
Salutations, dude. At your age, you're doing extremely well. I'm 54 years old, and right now my finances are a mess. Any helpful advice would be greatly appreciated in helping to mold my life. I want to buy a home of my own.
It seems like I used the FIRE movement to manage my finances. Investigate it further by doing some research. With the help of a financial professional, they were then successful when investing in stocks, cryptocurrencies, and real estate.
Mind if I ask you to recommend this particular coach you using their service?
'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.
Most ppl get caught up in the game, living in the past or the future, chasing illusions, and will have never truly lived. All the time you could ever ask for is now.
so true :)
I totally agree. I think the pandemic taught a lot of us to slow down and smell the roses and to really focus on what's important in life.
March 2022, and I have posted my first videos. I am hesitant but at the same time I want to risk it all. I want to show you my world in Kenya. Hoping that you will love it. Hoping that I will enjoy it too.
You could find purpose and meaning in what you love to do and the way you live like in the present ...
@@Lady_Zunguka Good luck and wish you the best 🙏🏻
I remember as a kid, my neighbor told me that "Alex if you enjoy playing golf, or traveling, or hiking, do it now, don't want till retirement. You can do those activities now and during retirement" I've always tried to create a balanced approach to life, but also a disciplined one. Anyway, I hope all is well Sophie! :)
love that your neighbor was looking out for you. It's true! we can enjoy it now and later. I'm so happy to hear from you Alex! I hope all is well 🥰
@ Malama, yeah but the problem is most people dont save enough for retirement by traveling and taking all these vacations keeping up with everyone on social media. Not including Inflation and consumer debt. The average person needs two jobs or job and side hustle just to get by. Look at the housing market, the average persons making 50k a year wont even be able to qualify now. Times are so different
Hahahaha. An old guy I met at an RV park told me to get all the fun I can while young and able. He said, look at me, it takes me so long to get on my knees to pull the poop tank valves from the RV. 😁
Pain, he said, will be your constant companion when old.
If the globalists of the world have their way (the 'elites' , gates , soros, rothchilds etc) then we'd never retire. We will be wage slaves till the day we die with their proposed 'social credit system' and their digital currency that resets at the end of each month. They will make saving impossible , so no retirement ever.
Look it up, the world economic forum, the bill and melinda gates foundation, they are proposing these things.
@@lucialuciferion6720 Yeah you right, with the way things are going with Inflation most people won't be able to retire. It's sad
The goal isn't to retire as fast as you can, it's to have freedom and liberty of time and space both today and tomorrow.
Well said! ❤
This. Too many focus on the RE part. RE (retire early) really should be replaced with "recreational employment". It would make so much more sense. "Retire" technically means stop working, but to me, it simply means no longer HAVING to work for financial reasons. If I am making money because I choose to, I don't really consider that working. Just simply being a part of my community that I'm lucky enough to profit on.
The real focus should be the FI part. And from there, there are so many options such as coast FI, barista FI, lean FI, or just regular FIRE, etc. Depending on what each individual wants. FIRE gets a bad reputation because some don't want to retire early because they think it just means sit around and do nothing, and they'll get bored.
On my last day of basic training, my drill sergeant said, "no matter how long you are in the army, make sure you have a life outside of the army." When I got stationed in Germany two years ago, I finally understood what he meant. Traveling around Europe from Budapest to Paris, has been such an eye opening experience for me. I am not afraid of retirement because I already know how I am going to spend it. Keep up the good work.
How?
@@joanne9604 I would suggest that if you have to ask, you are not yet ready to retire. I'm a year away from retiring early from an executive position. My identify is not tied to my current role or organization, and I have more than enough interests outside of work to keep myself occupied for a lifetime. I won't be bored, and I also won't miss the health-sapping stress of work. 🙂
@@lasticonoclast yes I'll not ready to retire. I've had a lot of interest as a kid. It kind of dies out as I age. I think I've not put my hobby in a greater priority than it deserves
I retired from the military in 2018 at age 41. I have rental properties and that allows me to be financially free. I have been traveling and enjoy it but we also should consider building new relationships. Early retirement can get lonely if you don’t fill your time with productive hobbies. It is a new area that we explore within ourselves.
My parents spent their whole lives worrying about pensions and retirement. I cannot tell you how many anxious conversations I listened to growing up, and I can only guess at the tensions that built up in their marriage. Then a year ago, my dad was diagnosed with terminal cancer. Now my parents are glad for the moments where they relaxed their budget to go on a nice holiday and buy the good TV they wanted. It's not about being crazy with money and having a disregard for the future - it's just about not sacrificing everything now for a future that may never happen. In many ways, hedging your bets on retirement being the Good Life is akin to gambling with the lottery.
So true
You said it!
And what about you Debs? How many countries have you been to?
My dad and his brother both died before retirement. You're right.
Majority of retired people are struggling financially...
Have a guess what kind of mentality they have when they were young?
If you want to be part of the statistics, go ahead... Live today as if there's no tomorrow, getting old with arthritis and no money.
In my semi-retirement at age 67, I love pet sitting on my terms. I was a former nurse and after losing my friend and boss last year to the virus, I decided to cut back on anything I do not enjoy doing to the fullest, and that could threaten my health. I decided to reduce stress and I became a dog walker for three-to-four hours mid-day Monday to Friday and while it does not pay as well, I am able to enjoy life more. I am keeping fit as I walk 2-4 miles per day usually and I have time to do other things as well. I love the freedom that the schedule gives me and I walk only one dog at a time. I can take off time for visiting my family when I want and I am much happier than I was when I was working full time. The boss I lost always dreamed of retirement and at 78 he still was working most days of the workweek. I have learned tomorrow is not guaranteed, we must make time for ourselves while we can.
Your post is really meaningful to me. First off, I have your same first name and your last name as my middle name. Secondly I’m reaching for a similar goal. I’m only 44 years old and still have some full-time work ahead of me. But my goal is to save enough money that I can work part time. Just like you. Work on my own terms. Also working in an environment that provides me with a healthier lifestyle. I love what you’ve done with your life in semi retirement. I enjoy working and I enjoy being productive. So I definitely don’t think I’ll stop working. But 40 hours a week is killing me. Especially raising a family right now. I have teenagers and they are soon to be adults so there is a light at the end of the tunnel. And I’m looking forward to being an empty nester so I can pursue some of my own dreams and save a little more of my hard-earned money. There are many interests that I’ve left behind in pursuit of taking care of my family. Like playing an instrument and creating art. I’m looking forward to the day that I can take some classes and relearn those things. Who knows maybe I can supplement income with some of those talents. I’m so happy for the changes that you made in your life. You’re an inspiration to me.
i can't believe you are still working part time as a nurse at 67. shouldn't you be retired by now and just do the dog walking. nursing is way too stressful, even part time.
@@jenshark4 maybe some of your objectives don't have to wait until your teenagers are adults....maybe you and your kids can take an art class together- you'll be able to create things here and now, and (bonus) it could make for good bonding time with your kids :).
Doesn't have to be that example, but I believe the point she was making was to make time for this types of things now...
Much admiration!
Thank you for sharing.
Biggest lesson i learnt in 2023 in the stock market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
I retired at age 53 three years ago and feel entirely happy with this decision. Having time to do whatever or nothing is incredibly freeing.
Good for you :) enjoy your retirement!
@@MalamaLife Yep, and sometimes it's nice to do nothing all day and afterwards to rest.
53 and still working, fine, planet has lots of work to be done, yet I do it at my pace. Kids not taken for granted, nor physical health requirements, or that of civil society. Play piano and acquired a second language too. You simply don’t need retirement, although having your money stable is helpful.
you should because we never know when we will die. lots of people dying in their 50's lately, especially sportsmen
@@davidsebastianelli1326 You don't have to retire just to do that lol
Slow living is a concept that I have embraced for the last two years. It is the reason I find your channel so intriguing. You are wise beyond your years. I can't tell you how much I've learned from watching. Thank you for all you share with your subscribers.
I'm so happy to hear that Lynn. Thanks for allowing me to share my story :)
March 2022, and I have posted my first videos. I am hesitant but at the same time I want to risk it all. I want to show you my world in Kenya. Hoping that you will love it. Hoping that I will enjoy it too.
Intuitive inner knowing and discerning to choose the ultimate path does wonders hopefully when we do things we love wholeheartedly for the greater good. On higher spiritual levels , all is one and one is all ...
@@Lady_Zunguka I visited Nairobi, Kenya some years back. I love it. Cant wait to visit again. 😊
@@sharonkaramba6956 please do! and i am glad you enjoyed it. Where are you from?
This video spoke to me so deeply, it made me realize that we are human and we need something to drive us like work but it doesn't have to be all consuming because at the end of the day we are human beings not human doings. Rest is just as important and its ok to have ebb and flows and seasons with all of them. Thank you for showing that there's another way to live simply by enjoying the journey instead of just constantly driving towards the destination.
I'm glad this message resonates with you. I also need reminders to slow down and just enjoy the life that's going on around me. thank you for watching!
@@MalamaLife of course, your videos are a highlight of my week.
@@MalamaLife Something driving me now after being kicked off due to working too long only in one big company is to study machine learning. I try to find out how to get an eternal life.First I need to understand consciousness.
Well, consciousness is not a static thing, so we need to store it in some type of memory, but it will need to get ‘CPU-time’ also, just like an uploaded version of you would need for ‘thinking’. Then our brains need input from the outside world (or a simulated world) and it would be pleasant if we can also act in that world: manipulate the state a bit by having actuators or maybe by sheer will power. Note: there are already devices that can pick up brain waves to help disabled people have some kind of effect in this world. They can move an arm prosthesis or mouse cursor, whatever.
Having no inputs will lead to insanity quickly. Having inputs but no way to act is very scary also. Imagine you can see some scary thing coming your way and you can’t run or hide from it?
I thus would like to go so far we need all 4 ingredients: memory, CPU, input (sensors), output (actuators) and I consider this the very minimum. If your virtual brain is placed in a virtual environment that is just too weird, you may not be able to adapt to it.
Have a happy life to the other side where your soul will go.
It also means that one doesn’t really know themselves. People in an industrial societal are programmed to be this way. This lady got of the box, got scared and jumped back in.
A wise woman taught me to live my daily life in such a balanced way that I never needed a vacation. That was ten years ago and it allowed me to escape the work spend cycle, leaving time to attend my son's school functions, have long lunches with friends, and attend weekly meditation circles. I make a fraction of my former salary, but I'm filled with joy and peace. If I pass early, I'll have no regrets, no stone unturned. Thanks for the great video and for using your platform to share such balanced insight.
About five years ago at a breakfast w/ my boss, he asked how things were going. I said the travel is killing me! 13 years on the road for work had lead to over a year away from home. He said nothing! That’s the day that changed the way I felt about work.
Thanks for your sharing ! But what did you do after that ?
This is the problem. In his head, he probably was thinking “well, you were hired knowing there was significant travel…” so he doesn’t see a need to change or modify your position ~ also, bosses are used to hearing “everything is fine” even when it’s not. So, as much as he acted like he cared by asking…he was anticipating a different response, one that would mask the fact that he does NOT care!
Run as far as possible from that boss. Don’t mistake your work with your life!!
@@lindseydowney926 In the words of a character in a famous movie.... "Listen kid, nobody cares. Worry about yourself, your family and the people who are important to you."
@@lindseydowney926 you don't know that
You make a lot of good points in this video but I'm going to have to respectfully disagree with some of them. I also know a lot of people who have retired and ended up sad, lonely, or with major health problems but all of them had one thing in common. They all had no hobbies. They all ended up sitting home watching T.V. all day and going to casinos too much to gamble. Many of them also smoked, drank, and ate too much. They stop taking care of themselves and wonder why they are unhappy. In my opinion, retirement has nothing to do with it. Not planning on what you are going to do while you are retired is what causes people to go downhill during their retirement years. I have books to read, games to play, and enough healthy hobbies to keep me healthy for many lifetimes with the occasional vice to keep me sane. I get slightly annoyed when people blame retirement for their problems because often the people complaining about being retired haven't done much of anything to make it enjoyable.
You're so right. Having hobbies and finding your passion is so important. My observation is that many don't take the time to find their hobbies during their younger years which leads to the retirement blues
This guy gets it. If I retired now, I would spend all day raising my kids and being there to watch them grow up. I have motivation to retire early. Unfortunately not everyone has something to look forward to when they retire besides not being at their job all day
The aim should not to retire from a career (if you have one) that you got through good education and hard work but to have the financial freedom to scale down your work life to a part time level . It's healthy to work but at a level you're comfortable at.
I bought my first property at age 19 thinking I was going to be the king soon .. one year later in 2007, the economy crashed ..my 140k became 30k.. this taught me a lot about money and life .. even though i didn’t quit right there, I kind of went on a slow pace. I took many vacations every year .. and recently I took almost two years off from work and lived out of the US.. I’m a Respiratory Therapist and I see many dying .. i try to enjoy my life and for me it could be as simple as sipping a cup of coffee sitting in my backyard watching some birds and squirrels .. I have a small house and a normal car .. My friends with 5000 sqft homes don’t even have time to sit on their sofa
and we can die at any moment. so enjoy the now
@@ivanmectin9106 yep 👍
I'm a professional housecleaner. Trust me, the big houses I clean are mostly just storage units for unused furniture and nicknacks to 'fill the space'.
Great video. I retired at 54. I had a great career with balance along the way. Retirement is not a destination; it’s the start of a new journey.
As a single parent a lot of people had suggested that I get a second job or a business on the side. But I refused to even entertain the idea as to me my quality of life with my child and being able to maintain the few true connections I have in life with fnfs is more important than the extra money. Like you I too believe in living way below my means and its worked so far for me. But I do wonder if I will be able to support myself in my old age... and for that I am pushing myself to complete my professional qualification, which will open more opportunity for me... but one thing I have realised in all this and that is, we should not live in the fear of tomorrow, but live sensibly today and take pleasure and appreciate the small yet beautiful things in life.. and hence why I subscribe to you ... I look forward to your videos every week!!! Love your work! Thank you for being you :) More power to you :) x
I really respect your decision and your thought process behind it! I think I would've done the same :)
One of the most sensible comments here 😊
Kudos to you for living below your means! Keep it up, that is the KEY to living a sane life whether you retire early or not.
I feel like this video was meant for me. The past few years I’ve spent time doing overtime, spending mindfully and doing what it takes to pay off our home (we are both 38) so that we can slow down and work part time. We have a little less than two years to go and I can’t make the time go fast enough to reach this milestone. Great reminder to enjoy life as it is happening right now as we will never get this time back.
Congrats Rachel! that's so exciting. But yes, I hope you are still able to enjoy your life as is :)
Same for my wife and I, I’m 39 and she’s 34 and we paid off our mortgage 8 months ago and living a much more relaxed life now. Took us 7 years of sacrifice and throwing everything at the house but we didn’t sacrifice our time with more work but mostly living beneath our means instead. Still went on vacations and enjoyed life.
As a pre med student who often dictates my worth on what I accomplish this was so important for me to hear. Thanks for the gentle reminder to stop and smell the roses 💜
🥰
be extremely selfish and go after work life balance
Work and goals are addictive. Now I don't know how to live without those goals. Money isn't enough to save but I refuse to die working! I am scared but it must be done. You are a point of light and joy, not a tittle. Have a hobby from now. Most ppl die before or the same year they retire.
Some advice. Make sure to get a lot of work experience now. You need to make sure that you actually like the job, before making such a commitment to going through the schooling and invest your time/money. It would suck to get out at age 30+ only to realize that you’re not happy once you start working.
Chasing dreams instead of realising that you are actually living a dream is honestly tragic. We have a false sense of what life should be, I think, and it makes us lose ourselves and waste our time.
You are so right. I hope you can all enjoy life as is! even while dreaming.
@@MalamaLife ❤️ I honestly think your videos help us. I wish you had a time travel machine and could post all your content earlier!
Deep insight. Hope I can remember this learning going forward.
*To all the dreamers out there, don't ever let the world's negativity disenchant you or your spirit. If you surround yourself with love and right people, ANYTHING is possible...*
I'm 44 and can't wait to retire early, I hate my job, it drains me entirely. All my previous jobs did as well. I feel so fine during my vacations, it feels as if life comes back to me when not having to show up in this terrible office. I don't know what boredom is, life is full of interesting things to learn, to study, to experience. Life is only boring and monotonous when at work. It is beyond my imagination how people can feel bored and not know what to do with their time after they retired - I guess they're just boring to the core inside. Retiring late also bears the risk that your health no longer allows you to start travelling as you always dreamed of when you were young and trapped in the rat race. There's an expiry date to everything and my biggest fear is to run out of time and waste my precious years in the rat race.
The term "rat race" is an insult to the rats, as they don't have to work to live. They race for fun.
You stay in the rat race that s a choice don t kid yourself
I agree but make sure you are doing some of the things you want to do now instead of putting them off until retirement just in case you don't live long enough to even retire early.
I lost my 39 year old cousin two years ago out of the blue to a blood infection.
I'm 50 and feel similarly. I want to retire so bad....or at least drop to part-time work instead of the 50 hours I've been required to do to keep up at work. It's exhausting.
Still we are taking (frugal) international trips every couple of years to make sure we get to do them while we are still young enough to do them. Hopefully retirement will allow us more time to travel but no guarantees.
Lmao of course you feel free on vacation. You aren't worried about bills to pay or how you're going to eat or feed your family or a depleting savings amd retirement accounts.
Everyone feels free and happy on vacation. Reality is different than a permanent vacation unless you have millions saved and invested.
The vast majority of early retired people go back to work to some degree. Myself included. I retired at 40 with a paid off house and even I got tired of "early retirement ". I filled my days with many things to stay busy yet I still had no purpose amd felt alone.
This makes so much sense. I haven't realised how much hustle culture was affecting me until I got sick and all I kept thinking about is how to be productive. 💯 Thank you for this💕
I was discussing this the other day with one friend, he argued that he wanted to achieve FIRE in order not to work anymore and do nothing but I argued that work is necessary for us, and to me achivieving FIRE is more having the option to work rather that having to work in order to afford to live. Once I get get there I will still work but I want to do it because I want to and not because I have to pay the bills
I’m only 19, just starting out adult life so I’m no where near retirement, early or not, but this perspective was still really eye opening!
I'm happy to hear that :)
Consider living as this is your second or third life and apply the wisdom readily discernible. Time passes slow for me, which is swell. Self employed, wife, kids, health, toys etc. All doable…
The earlier you start saving and investing the better off you will be. Compounding interest is a type of black magic that few talk about outside investing circles, but it could very well be THE determining factor between a life of un-ending work, and a life of earlier-than-you-might-expect financial independence. The best way to compound is to start saving and investing as early as possible. You would be better off financially by saving a good chunk of money at 19 and letting it compound untouched and un-added to in a index stock fund over the next 20 years, than by saving a little bit here and there every few months for the next 20 years.
Granted, getting into the adult world, getting your first real paying job are exciting and it's easy to soon take that money for granted. There are people making big salaries and blowing it all every paycheck... 200k 300k a year and somehow their "lifestyle" expanded to consume it all. Don't allow yourself to become this. Even normal unglamorous salaries have enough room to save some money if you are focused on it.
It may seem like I am going against the theme of this video. There are certainly valid arguments to be made about enjoying life in the moment rather than sacrificing now for later. After all the NOW is really the only time we actually have. BUT BUT BUT when I was your age I wish I truly understood the benefit of compounding and how much of a game changer saving money EARLY would be, I would have really focused and planned and even sacrificed a bit to save more money in my early 20's. Balance is the key in all things. Just a little advice from a stranger on the internet. Good luck. Be smart. And enjoy your early adult years.
@@TanukiDigital same here. If I could do it all over, I would have saved as much money as possible in those early working years, when it’s normal to have roommates or still live with family.
@@username00009 You more than correct. My brother former coworker started earlier when all of us "were living to the fullest". We even laughted on him because he was missing out by being frugal and investing, we used to call savings and inventing "adult things" now 10 year later (same age as me 34) his investiments is paying off, he lives wherever country he wants and work with whatever hi feels like. I got a wife and have children that himself homeschool them and enjoy all extra time with his kid including summer breaks. I have started a bit late when I turned 30, thanks I have a good salary and I'm investing hardcore by being very frugal. Within 3 years (37) I will be able to withdraw 100% of my monthly expenses, but, will continuing work cause I love my work, it will allow me to be more loose with my salary and enjoy more out of this life by helping people in need.
Thank you for sharing your story. I am 44, invested 70% of my salary on a monthly basis for many years, and I am very happy with my decision to retire early. Luckily, I worked 8-5, Mondays to Fridays, and I still had time to do what I needed to do like taking a vacation, and spending quality time with my family. I also had a retirement plan. All the best with following your dreams.
Congratulations, I'm so proud of you. I'm doing the same, hope to quit 9-5 on my early 40's 😊.
I talk a lot about what you mentioned in this video on my channel. People need to find a golden middle or a balance as you said. There is no point in sacrificing your youth in order to achieve early retirement, if it makes your current existence completely meaningless. I think most Americans need to focus on deeper relationships with friends and family, and even more so on traveling more.
As long as you can afford it. But there are a lot of young people that haven’t worked and want to be paid to do nothing/I agree life isn’t about working every second but working builds your character and it allows freedom. If you are reliant on government then you are not free. I’m sure that’s not what you mean I think most Americans do focus on relationships but I noticed younger people seem to be focused on not working.. what do you think?
@@stevdaughtr6098 as a young person the problem is that young ppl dont want to work, but then the question becomes why? Why dont young people want to work anymore. Honestly the answer is quite simple. Kids my age 25 and under cant afford shit. we have been told our whole life to just work hard and good things would happen. Well we get out of school work hard for a year or 2 and then realize that everything we have learned is absolutely false. I cant even dream about being able to afford a car, let alone getting a house in a few years just after paying my damn rent and other utilities every month. I work at fedex 40+hrs a week. I have no life other than going to a factory and lifting boxes all day for 16 an hr. Then I get out of work just in time to get home and go to sleep cause I gotta do that shit again for the rest of the year if I want to sleep indoors and have food to eat. So fuck that. I quit and Im never going back to a workforce in a society that doesnt give two shits about you as a human being. I was not put on the earth to spend my next 40 years at some corporate job. That shit is not important to ppl my age. We just want to be able to live our lives and have experiences without having to give our life away to some dumbass job and company who could not careless if I literally dropped dead tommorow.
@@stevdaughtr6098 that’s some boomer cringe. 🤣
@ Krissy yes you are right. The young people 30 and younger doesn't really want to work. They want something for nothing
Because not everyone has a nice paying jobs. This video is so tone deaf.
My husband and I retired 3 years ago in our 30s and life is great. We do whatever we want everyday, I will never go back to the life crushing grind of working a crap job. Freedom is wonderful
how did you afford to retire at 30 ?
rich parents @@anthonyjanes9973
The issue with reaching retirement is we lose ourselves in the process. We are programmed to work to retire instead of working because we enjoy it and to use our gifts and talents. Work consumes so much of our time we forget what brings us happiness. I actually look forward to retiring, not because of work itself. But the opportunity to delve deeper into my spirituality and soul gifts. Its up to us to decide if we want work to consume us or find balance in our lives. Great video as always ❤
I wish we could all work the jobs that we feel passionate about! thanks Shelly
The background music increases the impact of your message so much more.
I am rethinking several decisions.
Thank you for making me ponder over life's important questions.
Retired from federal government at 56 in 2019. During working years I collected 46 residential rental units.
Today I spent the day on the beach in Key West. Even though I was at the beach enjoying myself, I was actively managing my rental properties with phone calls and texts to contractors and tenants.
I love this balance of staying engaged, while at the same time living the life of a retiree
How sweet! 🏖🌊
🥰
Sounds like a perfect balance to me :)
You have good points. Fortunately my family managed to do both. Live a full life focusing on family and our individual needs and could retire early. We are in our 70s now and have enjoyed our entire lifetime together. I’m glad you’ve been able to find balance.
Thanks Debbi! I'm so happy that you guys were able to find that balance :)
I recommend reading the book soulful simplicity.
It has a beautiful quote “we forget to enjoy the journey while chasing the destination”
(Not exact words, but had this message)
A problem I sometimes see and interpret from the fire movement (esp lean fire) is that working is this dark tunnel and that freedom and retiring early even if that means being super frugal is the ultimate light at the end of the tunnel.
For me if I'd give advice to someone right now would be to find a work that you truly enjoy going to everyday, it might not be your first or 2nd or 3rd job but keep trying. Work and save money and once you built up a decent capital you can choose to continue to work full time, go down in work hours to maybe 75%, 60%, 50% etc. Or maybe work a seasonal job and take the rest of the year off like a longer vacation.
In the end I do think fire sometimes unfortunately has the issue of causing large economic stress in millionaires trying to be as frugal as possible. It's absolutely possible to both work and have a lot of free time to enjoy life putting some pressure away from the constant frugality and investing :)
Very interesting and valid perspective. One thing I’d like to point out is, at least for me, FIRE is about having the courage to stop working at an age that most of society does not accept. Most follow a path we’ve been conditioned to follow, but life is not set, and we all have to make our own decisions.
I'm only in my early 30s, but now I regret not travelling with friends in my 20s. Now everyone is too busy with their own families and kids and our bodies are already starting to break.
Most people who want to retire early just don't like their jobs. The solution is to get a enjoyable job so every day and every moment can be cherished. (Most people you hear about who retire early publicize their methods in return for money. That's changing a job rather than retiring.)
So true 👍 if I find a job that's meaningful and enjoyable, I would always work
You’ve changed my mind. I was trying to retire early but ran into health issues that were probably from stress and overwork. Maybe my goal will be part time work instead.
Take care
I'm glad you decided to prioritize your health! wishing you all the best
love what you do and you'll never work a day in your life
Life is a journey, not a destination. Take time to smell the flowers. I always thought of retirement as an odd concept. Thanks for this video.
❤ thanks for watching
Hello! I'm in college and this really spoke to me because I'm a year behind on graduating. I've been feeling bad about it because so many of my friends are graduating in 3 or 4 years. This video reminded me to enjoy the college experience and not be so caught up in what other people are doing and how they are living their live; I'm just going to focus on mine.
My father retired at 50 years old, which is 10 years ago. We are all very happy about this. Because he is happier, healthier, calmer and enjoys life now.
FIRE is about both the future and the now. Balancing both for the best life possible!
About to retire at age 64. I've spent over 40 years in the working world, but took 'time-out' periods during those years to see different parts of the world, do things I wanted to do, accomplish goals I set for myself. Those 'time-outs' ranged from 3 weeks to six weeks. That was the best thing I ever did as it helped me re-prioritize and change direction when needed. I didn't spend a lot on materialistic things, but did invest properly and will have pension income from a former job. I'm set for the latter years of life and satisfied with where I've come from and what I've accomplished in the last 40+ years.
You are 100% right. We are semi-retired at 45 (working only 3 month a year). But rest of the year gets booring very quicly.
Get hobbies, invest in friendships and relationships!
Invest in friendships when everyone your age is working 10-12 hour days isn't easy
This is such a beautiful message. I've come to have similar attitude over the years - to make time NOW for travel, family, and friends instead of waiting for some mythical future where I "have more time." But it's such an important reminder, and I still get caught up in the day to day work. Finding balance is a lifelong pursuit. You are wise beyond your years and this is just such a great video, thank you.
I also think that generational mindset plays a key factor in conditioning. Like our parents, they conditioned us to "work hard" to be successful because of their experiences, to earn much so that they could enjoy retirement life. But times have changed and our circumstances are different so "working hard" isn't really applicable nowadays and we also learned that it would take a toll on our health and our precious time to the point it would stress us out. Working smart is the new standard to achieve meaningful work-life balance, as well as self-fulfillment~
This is an eye-opener discussion for us adults and soon-to-be adults. Thank you for your wonderful insights as always, Sophie! 🥰
I agree with you about the generational mindset. We can take the important lessons from the previous generations, but re-invent to what works better for us moving forward. thanks for your comment Regine
Not to mention that many older generations hade progressive policies which included pensions, unions, etc which many today dont have. They tend to leave that part out when it comes to hard work. 401k were and are not designed for retirement as well.
Thank you for another wonderful video Sophie! I definitely needed to hear this perspective today. I work a stressful full time job, I have husband and young daughter. I recently started going back to college (online) to finish my bachelor’s degree and can’t help but to think of quitting. I’m missing so many little but important moments with my family I know I can’t get back. Those moments will mean a lot more to me than hours studying alone in a room. My husband is a recent Colorectal cancer survivor what we’ve experienced has made me realize I’m chasing dreams that might not be as important to me as they once were.
Sending you all my love. I hope you stay strong during this time Kayla.
Thanks for the reminder - Climbing the ladder of success and you get to the top and then you realize it was leaning against the wrong wall. Nice to see your hubby! Thanks as always for sharing your Ｌｉｆｅ.
Thank you Bob
@@MalamaLife you are welcome ‘Malama Life’. Have a wonderful afternoon.
F.I.R.E. zero regrets. Zero debt. 100% of my time is... MINE. I answer to nobody.
The million dollar comment: "I realized what I wanted wasn't freedom from work, but a better work life balance." Thank you!!!!
Thanks for sharing! I really appreciated the point you were making about work and time. Wish I had seen this 20+ years ago when I was starting my career. I am retired now at 59 and am enjoying it very much - a simple life, nothing extravagant but enjoying the time for running, cycling, recently took up swimming, cooking healthy plant based meals (mostly), new relationship with an amazing woman and, last but not least, meditation. I a, sure there will be more but I have no problem filling up my hours. It is very individual and some people seem made to work longer…and I may too but it will be something that means something to me and not just to sock away more money for the sake of it. Best to all.
I completely agree with you and I actually practice most of these things that you suggest in this video. I always tell people that NOW is my retirement year. What I mean by that is eventhough I am still working now, I find ways and time to do what I love and I will not wait until I retire in order to do it. If I get to my retirement years then that’s already a bonus.
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I see where you are coming from. For me, I've always strived for work life balance. I have a great corporate job that pays well, and still allows me to enjoy my hobbies, personal development, family time and travel once or twice a year. As good as it can be, what I want at this point in my life, is the ULTIMATE freedom. I want to be able to work when I want and where I want, or sometimes don't work at all. I am at a later stage of my working life, and probably going for FI is a shorter finishing line and makes more sense than starting a few side hustles. My plan is to go FI, take sometime off and then, maybe find my next Ikigai, which will be on my own terms and time. The best thing money can buy for me is TIME!
I am really glad that this video popped up! Financial Freedom gives you so many options and people don't talk about it enough. Once you have control over your money your options are wide open and you can pivot what you are doing at any time. I am so thankful that I learned how to budget in my 20's!
I love your voice and how calming it is. I am one of those people who work 7 days a week nonstop and I only have a day off once a month. It's draining. I am now making an effort to take some time off and spend time with my loved ones.
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Very good video. You should not plan the next 30 - 40 years. Life is constantly changing, and so are you. When you are 30 years old you don't know what you want to do when you are 60 years old. And don't forget: The brain wants to work, even when you are old.
Yes! learning this as I go :) thanks for watching
Another thing to consider is that if you wait until you are much older and reach the traditional retirement age to lead a freer life your health might be too damaged to enjoy that freedom. By that age someone's mental health could be damaged through years of burn out, dementia or physical illnesses etc. I remember what happened to my Uncle, he had an incredibly intense and demanding job (he was often on call so he had to drop everything at a moments notice and travel halfway across the world). His whole life was work, work and more work. But after he had an operation on his foot he was going to retire and really relax for the first time in his entire working life. But during the operation he developed a bad blood clot and passed away. I learned a valuable lesson from this. Our future is not guaranteed. Who knows what could happen by that stage in our lives?.
I often think about a movie I watch alot. Benjamin Button mother said several times as things happened to people in the movie at different ages... "You never know what's coming for you" Those words really hit hard for me. My friend's sone became a pilot just like him. So then they both would run into each other traveling the world at ariports and cities. SO, back in 2014 his son was back in Miami taking a week off for his birthday. He decided to ride his motorcyle really fast during lunch hour. Unfortunately he smashed into a car a few blocks later. He died in the helicopter on the way to the trauma hospital. He was 27 a day from his 28th birthday. There are no guarantees in this life. "You never know what's coming for you".
I made the decision early in my life, not to wait until retirement to do the things I wanted. I has not only left me more fulfilled in my later years, but it has given me balance; allowing myself those things. It has helped me cope with the stresses of my career, being able to enjoy hobbies and interests in my spare time. I put in my 30 years, secured my pension and then retired at age 49 with that same philosophy. There was no reason for me to work until my 60's when I could live on my pension comfortably. Money has never been an ambition of mine. Even though I had a well-paying technical career, I didn't need to save huge sums of money to feel secure, because my needs are simple. I don't need a huge nest egg, I live minimally, and enjoy the simple things in life.
I reached FI at the age of 35, and after 3 months into a year-long sabbatical, I realised I'm not ready for retirement. I applied to an MBA programme and will be starting it this fall. There are many big problems in this world today that I want to contribute to, and this degree is a door into some of these areas, particularly in sustainability and climate change. I found the 80,000 Hours website useful in finding a high-impact career.
Someone once told me, "When I was 20 I wanted to be a millionaire; now that I'm a millionaire, I want to be 20." Sacrificing your youth to get more money you don't or won't need doesn't make sense. Where I am financially is a blessing for sure. But I also want the rest of my career to matter - not to me but to this world and future generations. I hope you'd be able to find true meaning and purpose for yourself too, since the financial constraint that most are bound by has been stripped away.
Good points Isaac and love your inputs. I used to have my actual work every day and was beyond miserable. Was eager to achieve FI and do nothing afterwards and I'm only 34 lol. By the end of this year will mostly achieve Barista FIRE which I will be able to gain 65% of my monthly expenses when I turn 35. When I turn 37 will be able to gain 100% of my monthly living expenses and believe me I just started to fell in love with my work again and don't want to quit anymore lol. I think I was just ansious to be FI and will take as many as unpaid time off whenever I feel I need it.
Good point but an MBA does not sound like a degree that will help society more than it will try to exploit it....
Love this. I also have regrets about how I used my free time or didn't use it in the past. I used to work a full-time office job that offered "open PTO", which gives you unlimited PTO hours that you don't have to earn by putting in the hours. You can just take off whenever you want, however long you want. Surprise, very few people including myself rarely took time off at this job. Why? One of the reasons for me was because there was a definite shunning from leadership and managers when you took time off. There was a lot of lip service paid to how "great" this open PTO concept was, but there was also imposed guilt when you took it. "We can't function without you" or "don't be gone too long, the place will fall apart" may seem like a compliment, but when I heard it from bosses over and over and saw those bosses always working, it all made me feel guilty for wanting to go on a real vacation. Super toxic. If I could go back in time, I would ignore all of that and live my life. Nothing bad would have happened. Our culture has an incredibly unhealthy work culture. If we can collectively work against it, maybe things will change over time.
This is so definitely true! There was a time I had a job that gave us 6 weeks of vacation time. I would always take 3 weeks in the summer and 3 weeks during the christmas and new year holidays. I felt so relaxed by the 3rd week each time that it occurred to me that working all year sucks just to be a off a few weeks. The problem is like you said about them putting guilt and shunning taking PTO. Profits! Profits! They don't care about us. Like in a famous movie quote... "Listen kid, nobody cares. Worry about yourself, your family and the people who are important to you."
Every summer I now take 10 days plus the weekends in between with my family to go on vacation. Evertime it's time and I go, my boss likes to give me bs about it! I always tell him , "relax, the world will be fine during my short vacation". His dad had the nerve to say that I actually took 15 days vacation. I said, "how do you figure that? He said because of the weekends before and after you vacation add up to 15 days... The nerve of him to try to day that my weekends are Paid Time Off!!!
Hi Sophie, to me work serves 2 purposes :
1st : it finances my life, gives me the finances to do what I wanna do like read books, travel, take care of my home, etc.
2nd : it's a way for me to keep growing as a person. I work in a field that I like and I use my work as a means to keep learning and developing myself, becoming who I wanna be.
I think work is a way of contributing to society while getting retribution in return. I also think work is not supposed to be the center of our lives, it's only one part and we can do our best to make it a nice one.
Anyway, thank you for sharing your opinion, I love your videos, I always find them relaxing and they make me think about what I want for my life.
xoxo
It is quite inspired. As everywhere is talking about FIRE, sometimes it is just too hard to control all expenses and keep on thinking how to make money. Time is never go back; we should well use our resources and enjoy our life. Working somehow is a happy thing too, you are connected with the world and have social life. FIRE also means an option on what you want to your lifestyle to be but it does not mean giving up all things.
Our nightmares are other people's dreams. Those of us that can create lifestyles, we are privileged. When it's all said and done, all that is left is gratitude. FIRE and wanting more is a luxury. Perhaps a quick look at what is beyond the top of Maslow's pyramid is key. We are lucky to have first world problems to contend. Some people don't even have that. Perhaps they are the luckier ones and have even less things to take for granted.
This really resinated with me, my family always told me growing up that I need to go to college, get a good job, find a husband and have children. They never spoke of living freely and going places or doing things they love. Everyday I think of my dreams and Its like a pull.
I've been interested in slow living for over a decade, but with undiagnosed (until I was 41) ADHD I viciously felt the pull of productivity rhetoric because I struggle enormously to regularly complete basic tasks daily, in order to be considered a functional human.
Once diagnosed & medicated & I understood what was going on for me, I have been able to ditch the idea that grinding & earning money above all else is the optimal way to live. I can now give myself the compassion and grace to just slow down & focus on what's right for me & not stress to keep up a particular standard of life just to be seen as normal. It's not all it's cracked up to be. Focusing on what's important to me has now become more important to me than keeping up appearances & keeping up with the Joneses.
Thank you for your words! For me, your words came at the right time. My dream for the last 5 years was to study medicine. I already became a nurse, but I saw that job just as a 'step' to achieve my goals. Now I am working as an ICU nurse and I love it! Moreover I met a beautiful guy and we're about to start a life together. But I couldn't appreciate all that, because I always thought I had to fulfill my dream of studying medicine. So your words really helped me to appreciate my actual life, to open my eyes and see the current things around me and not what future could bring me. It is tough to say goodbye to my dream, but as I grow my dreams grow with me...
Greetings from Germany❤️
This is wisdom and a great advise for those who have already been there. I dedicated my life to my career in an unloving corporate world where every ounce of profit is squeezed from customers as well as workers. Making matters worse are the hours of commute wasted on a daily basis. Worse still is the office politics which you have no control over or the corporate takeover resulting in labor cuts. We are all pawns for those in power. Luckily I am how in a well balanced life with the help of a tight labor market.
This was a beautiful and thoughtful video. I knew the FIRE movement wasn’t for me but couldn’t fully express why. This video explained it beautifully and releases the guilt I feel for not going the FIRE route. Thank you!
Thank you for this video. What you are saying I realized a couple of years ago, when I became financially independent in my early 40's and was able to quit my career job. However, instead of rushing to quit, I decided to work for a couple of months taking it easy throughout my day and I realized I actually do enjoy my work. I am able to work from home, so my schedule is very flexible, I work when I feel like it, and take breaks when I need rest. I am as productive as when I was in the office, but my pace is slower and my life is way more enjoyable. Work is not my focus anymore, my life is. With this mindset, I found balance and peace that came with it. I am not rushing to retire anymore and enjoying the day as it comes.
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What industry do you work in that you have such flexibility? I have decent flexibility working in the finance industry, but meetings usually aren’t flexible.
@@username00009 IT industry, I am a software engineer. I have a daily meeting at 9:40am and then on my own.
How is a 6 1/2 minute video so meaningful and to the point..?
In my journey through life, it was quite the opposite of what you have described. My problems started before I was even born and have dealt with dysfunction in family life for most of the time. Losing the few people who actually cared for me at a young age lead me to self medicate, drop out of high school, and waste a lot of time. While I did make some money through that time and into my 20's, it wasn't anything I could rely on in the future. I don't have my retirement figured out, which is a scary thought. So for a long time, I was stuck in a form of purgatory, trying to run away from problems which I didn't know how to deal with, which prevented me from taking the actions I needed to in the present to plan for the future. The longer it went on, the more anxiety and eventually depression/insomnia built up and took hold.
While I was able to pull myself out of those dark days, I still deal with anxiety and I feel that anxiety and depression can literally show up on my doorstep again, depending on what life throws at me. In the present, my prospects are to work some job I don't necessarily enjoy for the foreseeable future and invest the best I know how and hopefully some luck will help out as well. Not the best outlook, but I think I'm heading in the right direction. Hopefully I can still have the time to do the simple things in life I enjoy, like long bike rides, reading, walks with the dog... Hopefully accomplish the goals most people have like owning real estate and not worrying about finances. Finding and living my "purpose" in life is a whole other story.. That feels like a whole other dream at this point. But who knows..
I definitely agree with you though. Tomorrow is NEVER guaranteed for ANYONE, so you should live your life according to your own terms the best you can, no matter what others or society says or thinks. It's your life.
Great commentary and I agree 100% that we need balance back in our lives. I've just resigned after 15 years in the Canadian military. It was my dream job since I was a kid and I made great efforts to get into my occupational trade.
The salary was enough to be considered comfortably middle class and I was able to raise a small family in an idyllic locale, but it was fast becoming a toxic organization in an increasingly toxic country that no longer abides by basic ethics and morality. I made a decision to quit.
We're currently in the process of selling our house in an overinflated housing market, paying off all debts, and will move to a different country for a more simple and inexpensive life. I'm looking to work just enough to sustain ourselves, and be able to support a school with our educational philosophy and hopefully help a new generation of children to have humanity and balance in their lives.
Love your story. Wishing you the best of luck :)
So well said. It’s difficult, but I am glad you are making a change. I miss our humanity too!
Life on this earth is much shorter than we think. I was thinking about starting the FIRE journey myself, this made me think about my mum. She passed away just before she was about to turn 40. This is one of my reasons for wanting to retire early. I don't want to keep working 5 days a week from 9-5 until I get to retirement age because its not guaranteed that I will get to the official retirement age
I'm furloughed this week and loving it. I love working also but I've gotten so many things done while im off. This morning i had a long conversation with my youngest daughter. It means a lot to me. I had time to buy the dip before stocks went up. My son offered to buy me a biscuit for breakfast.
I'll go back to work Monday but enjoying life till then. Ill do my best to have a life while working also.
This is so inspiring, Thanks for sharing it Sophie. I'm turning 40 and I've a full time job. When I was younger, I used to be doing side hustle photoshooting weddings for additional money and spend very less time for myself. About 5 years ago, I've decided to quit photography and slowly let go of the social responsibilities I have. Now I have more time for myself and to learn new things.
Good for you :) I love that you adjusted and re-thought your priorities. I feel like I'm constantly doing this
Yes, it's a constant process instead of a one-time. Always think, reconsider and adapt to the changes. Love your story telling and keep up the good work.
When I got out of college I did temp work and had roommates. I saved money and took a trip and then went home and began working and saving. At 24 it was time for me to get a real job. When I interviewed I was criticized for my carefree lifestyle. For heavens sake I was 24!
You learned a valuable lesson at a younger age - life is about balance. My dad always told me to save like I'd live to be 100 and save enough money to take care of my self. But then also be aware that a bus might hit me on your way to work tomorrow so I needed to make sure I enjoy life along the way, just in case.
Today FIRE is often the goal for people in their 30s or 40s and they miss to much along the easy trying to achieve it at such young ages. My generation saw early retirement as the mid fifties so that was my goal and what I did. That age was better suited to allowing me to live along the way and spend some more enjoying life yet still be able to retire at an age before most people do and worked out great.
My wife and I were professionals and spent long hours working as well as traveling for work. But we forced ourselves to create many interests and activities outside of work so our jobs did not define us. We volunteered a lot, were involved in youth groups, I restored cars as well as did all of our home maintenance which allowed me to also help friends with their projects. I was a little concerned we'd get bored when we retired, but instead we threw ourselves into the activities we already had/enjoyed and it has been fantastic. Seamless transition.
The happiest retirees I know are the busiest - just busy doing things they loved doing. My parents also got busy after retirement and we'd have to schedule time just to bring the kids over. After a few years of retirement dad commented that he didn't know how he ever found time to work. I understand that now and can happily say the same.
So, I'd highly recommend developing several interests outside of work that you can just put your free time toward once you retire. Retire to something you enjoy doing - and there seems to be a direct relationship to busyness and happiness in my observations. Those who only lived for work and retire and just sit at home watching TV quickly get bored and depressed, and often don't live as long. If you love your job, it is ok to keep working as long as you want and better for you if work is your life.
For me, I aspire to retire early; but what aspire more is working less and needing less. Create the most value out of the resources I have, be it time or money, and try to spend less time earning money. I try to evaluate first if I really need something or not so that I don't buy as much useless stuff which will ultimately delay my goal effectively using my resources.
This is so important! I've also adapted to a minimalist lifestyle
Thank you for shedding light onto this perspective. I feel with this mindset frees me from guilt of enjoying time with family and friends and the little things I find joy in.
Another point I wanna make, is that the only reason some of us can retire early and "do whatever we want", is because there are others who pick up the trash daily, fix the roads, make sure our houses don't flood etc.
Yuuup or work in grocery stores and food service.
Exactly.
We need to recognize the difference between working to live, and not living to work. My therapist and I had this conversation a few weeks ago, super eye opening!
So far in the past few months, I’ve slowed down buying to only maybe an IPO or something I already own that has been overly beaten down. The only money I’m consistently putting into the market is through my financial advisor.
Same here sold my stocks earlier and my strategy ever since has been pretty much-buying Gold and silver to protect my wealth but if I could come up with a way to stay invested and be profitable that would be brilliant.
Last year a colleague introduced me to a financial advisor *PRISCILLA DIANE AIVAZIAN* With her help, I have been able to diversify by investing in different markets and asset classes while also keeping an open eye for attractive stock picks. she is quite known so you can find more about her online.
Thanks for the recommendation I found her website easily online and I’m really satisfied with her reviews and certifications, this is a much safer and easier way for me to get back in this very volatile market.
I made the regret of my life tackling this volatile market by myself now it’s been red after red. Considering how badly I messed up my portfolio, I would love to get guidance.
I just checked out her name online *PRISCILLA DIANE AIVAZIAN* and was able to find her website, her qualification/testimonials seem solid with positive reviews. Thanks for sharing
Thanks for this video! Not just is this exactly how I feel and see this, but what so many others seem to forget or ignore.
I’ve seen so many frugalists, who are just working day in day out, not buying anything, not allowing themselves to enjoy their life here and now, just saving up in order to be able to go to rent in their 40s. The only problem these (mostly young) people seem to forget: their life may not last forever. There may always be something unpredicted to happen. So while I definitely pursue a minimalist mindset and lifestyle, I don’t see frugalism as something desireable in order to find balance, peace, happiness or joy.
I really love that so many people are slowly becoming more aware of this mindset and not wanting to work work work but to live and work and balance life.. this was a beautiful video my fiance and I really enjoyed it. :) and here's to everyone finding balance and joy in every part of their beautiful lives!
First off, that was a truly beautiful video. Thank you for telling us your perspective.
To me, working long hours and the cessation of work is the same thing; they're both extremes grounded in answering the same problem. The best answer lies in the middle, not the far left or right.
beautifully said! I feel this way too. Plus, you never know what circumstances life can throw at you. You might spend your thirties working so hard to retire early, only to die at 40. Live each day as if it is your last :-) (with some plans for the future also of course ;-)
Yep. I learnt this when I took a break from the financial independence community. It's a balance that we truly seek. Travel more, spend more time with friends and family etc. You don't need to retire Early to do that.
As a recent grad that is navigating work and career, I have found that my perspective of work has been shifting as I have been focusing on working less and being more present in life as before I studied and dedicated all my time for the career I was going to have and I lost so much time. But over the last two years everything had changed and I always get questions when will I get full time work and move back to the city, but I don't want to barely make rent and be stuck in a cycle of work. I feel like I have chosen the scary and unknown path as I take each day that comes, but I want to live a life full of passion projects, surrounded by nature and slow living. I m not chasing a dream, I am living it everyday.
💞 enjoy the journey.
Awesome video, I go through this everyday I'm 54 and still working but I work as a semi retiree, When I'm bored I go back to work, when I'm burned out from work I go back to enjoying life. That's the benefit of having your own business.
That's exactly how I want to set it up :) thanks David
Formally, I was overly concentrated on FIRE and retiring at a young age. This obsession had a real negative impact on my life and relationships. It was also isolating and difficult mentally in terms of feeling useful and productive when not working. I'd encourage everyone to not get totally caught up in FIRE and pursue a more balanced life.
Yeah that's so. 2020 was a wake up call for a lot of us seeing that life is short and we really dont have the time we think we have here.
That comment is fire!
You are so gentle and honest and true. Thank you for reminding me, us, and your audience of the reality in life. In my own words, to truly live it and experience it. To live , not just exist. Thank you for your spark and sharing your story. Thank you for reminding us to slow down and make this life meaningful. I'm grateful I'm one of the few to land across your films! You are now a gem I want to keep a secret just for me~~ but I'm sure you're growth and energy will land on those who needs it, like myself. Thank you Sophie
I have always been a "work to live" kind of person, but I'm also the "Do what you love, and you'll never work a day in your life" kind of person.
I haven't found contentment yet in my work, but I haven't given up yet either. Things are difficult to be sure.
Wishing you all the best in finding that contentment!
On the first day when I was retired, I found your channel and knew how you live now. Thanks for your video contents. The google youtube algorithm is so smart that it knows what I want and introduces your channel to me. That's incredible.
I'm so happy to hear that :) thanks for supporting my channel
I like to think of work as a means to afford me the things i love to do in my every day life. Eating well, gardening, making music and taking my loved ones out on special occasions. Although i may not love what i do for work, I have come to really appreciate what i can do because of it. And that outweighs the bad. Having a good mindset/relationship with work helps me to have a balanced life 😊 “living one day at a time, enjoying one moment at a time.” 🤲🏽
There’s so much I can say about this but you’re absolutely right. I’ve always had an issue with the topic of “retirement” I fear sitting in an office working all day solely dependent on a pension for my future. Which quite frankly never truly is enough. Financial freedom and retirement to me isn’t about never working again but about knowing that the work I do is out of love and passion and not necessity.
I agree. I've been saying that all along (especially since I've been working for myself). I know people who retired at 50 (my age) and it's always a mistake. I wanna fulfill a purpose and contribute until my last breath.
Love that mindset. Working towards a purpose is so much more meaningful
@@MalamaLife I appreciate you doing the same.
This video was so helpful. I’m 48 and reached my retirement goals last year right before the economy worsened. Now I’m still working while waiting for the economy to bounce back. This video has resonated deeply with me because it got me to see that I need to keep working at least at some capacity throughout my life. Thank you so much for your thoughtful sharing! Love your videos!
I resonate so deeply with ditching the "retire early" portion! I want financial independence eventually on my own slow terms by acquiring performing assets of course like many of us do. Not to have in retirement, just to be able to own eventually because it is a smart financial decision. However, I have thrown out the timeline I had made after facing debilitating health issues all throughout my 20's.
I found integrative health and it changed my entire life. I only want financial independence to have choices, however I never see myself retiring. I want to do something on a sometimes basis for fun, not for the money. A chapter of life to hopefully be a grandma at that point in life, or go do something totally weird and different!
Thank you for making this wonderful video and sharing your story!
If the globalists of the world have their way (the 'elites' , gates , soros, rothchilds etc) then we'd never retire. We will be wage slaves till the day we die with their proposed 'social credit system' and their digital currency that resets at the end of each month. They will make saving impossible , so no retirement ever.
Look it up, the world economic forum, the bill and melinda gates foundation, they are proposing these things.
Your videos are a dose of much needed validation for this quiet massage therapist 🖤
❤ aw thank you