Stop Doing This Now - Retirement We Are Wasting So Much
ฝัง
- เผยแพร่เมื่อ 26 ก.ย. 2024
- Taking things for granted has to stop in retirement, there is an end game and we need to use our health, wealth and time as precious as it is. Procrastination is a waste of time, continued saving money in retirement only makes sense if you spend money in retirement. We buy experiences rather than consumer products, memories of experiences will last your lifetime and give joy as you remember them. Use these good years of retirement and let's discuss it, join us for a story of stop doing this, we are wasting so much.
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I’ve stopped doing this at aged 65:
1. Eating x3 big meals a day
2. Maintaining friends who don’t make me happy
3. Buying high heeled shoes
4. Buying designer clothes
5. Accumulating theatre programmes etc ….
That’s great thanks for sharing and joining our conversation Bonnie have a great weekend Cheers 🇬🇧🍷🌺🇨🇦🙂
I love high heel though, specially nicely fitted ones.
@@freedomlife3623 it wears off… especially if walking everywhere and living by the sea becomes a retirement priority!
I just sold an item in marketplace, trying to declutter. Goal is spending not on items but lufetime experiences. 59 y.
But parents are 88 y and still independent but 1 day, they will need me more. Just happy, made it through 1 trip out of country. All 8 relatives in their 80s still alive, am feelung very grateful!!!
No guilty pleasure, worked 44 years, snow, rain, too hot weather, it’s time to enjoy.
We totally agree Rosalind it’s time to enjoy Cheers 🌺🍷🙂
Me too.
I agree 100% with everything you both have said. I lost my husband 4 years ago and I promised myself to enjoy the rest of my life. I am only 62 so I am trying not to worry about money and just live with freedom! So far solo travel has really made me so happy and fulfilled 😁
So sorry to hear about your husband Jen but we are thrilled you are able to do Solo travel have a great weekend Cheers 🍷✈️🚢🌺
Do you need alot of money ? Do you have costs then ?
Solo travel sounds very sad. I don’t go anywhere because of that. It must be a woman thing to be able to travel by yourself. I would feel like a creep traveling around by myself. I remember one of the last group trips my wife and I made, there was one man in the the group by himself, he was so not part of it even tho he was with us doing the same things
@@arnoldjohnson3317 yes,solo travel is not safe either.
Glad you found an outlet. Do you mind sharing which company you use for solo travel? Just worried about scams.
Most of us have been brought up with the idea that we shouldn't put off to tomorrow what we can do today, but if you look out and see that it's a lovely warm, sunny day and you'd love to just sit out in the garden with a cup of tea and maybe a book, and you think "what have I got to do tomorrow?" This is the time you can, do whatever it is tomorrow and sit out in the garden today. It will do you a world of good.
Agree 100%, my husband has been battling cancer for 6 years and we don’t think twice about taking trips while he is still able.
Sending good wishes to you and your husband
I find for me that happiness is helping others and seeing them smile. Family and friends are essential.
Totally agree John have a great weekend Cheers 🍻🙂
Whatever makes you happy, just make sure you are not taken for granted. Personally I don’t drive my own happiness from others.
I agree. When I see my sons and their families (wives and grandchildren) happy it makes me happy and brings me joy! I do not sacrifice my own pleasures in life like being able to travel- but, I am setting aside finances to also help them make their lives a bit easier than what I had. I have never received a penny that I didn’t work hard for. I can’t even imagine receiving money as a gift. I imagine it is very generous and extremely nice!
Correction- my parents did help me get my first “starter” home by buying it first and then selling it to me. I suppose that was “help”. But, I did have to buy the house from them and had a mortgage loan to pay for it.
I was blessed to watch my parents enjoy their retirement. They always told us there would be nothing left and I am so grateful they lived a happy life and did everything they wanted. No one should plan on inheritance. Best gift is teach your kids to live life to fullest. Their bank balance was zero at end but the joy they shared was priceless.
That is awesome! so well said thank you 🌺🙂
My husband tells our kids all he’s going to leave them is a Visa bill from our last vacation😂😂
Excellent. Love this topic. I am 71. Time is so limited. Just do it.
Wonderful! thanks for watching we are glad you enjoyed our video Cheers 🍻🙂
Cheers to you Norm and Tina .....from Rebecca in Malone Bay Nova Scotia ....Perfect day we went out for dinner & we ordered the fish cakes, flat bread scallop and spring roll bowl.... sitting out side in the Sun looking at the 3 churches and the Bay and toasting ~ This is our Retirement ~
That sounds absolutely wonderful wish we were there with you we love Mahone Bay Cheers 🍻🙂🥂
The concept that my parents would feel any need or desire to leave me money, at nearly retirement age myself, baffles me. Nor will I plan to do it for my kids. They raised me to adulthood, got me educated and I did the same for mine . Mission accomplished. (The biggest gift is not to leave a house full of clutter)
We believe this too but there is always going to be money left over at one’s passing.
My mom has been extremely good at not having a declutterrd home. In fact, we think she gives away too much “stuff.” She has a beautiful home well appointed but with her bare essentials of things she loves. We have encouraged her to use her money for trips, etc. however- not ever receiving an inheritance- a little one would be kind of nice- if there’s anything left over after living a full and happy life. I do plan on leaving an inheritance to my sons. I want them to have an inheritance gifted from me to them. That will be my last good will gift on this earth - leaving my sons a substantial inheritance that will help them and their families. 😇💕😇💕
You almost had me a little angry with the helping adult children issue l, but you seemed to save yourself later in the video. I have taken on a part time job that I absolutely love to help my child with their professional education, rent, and give them a chance to get a shoebox condo instead of paying rent forever. Nothing (except health) gives me more enjoyment than helping others. It is so incredibly rewarding. You can also get some great tax advantages gifting money early rather than waiting until they are in their 60’s and struggling for so many years. I would never support just to pay for useless stuff.
So right about the “buying things”. ! Coffins don’t have pockets …
But I don’t know about the “stop worrying “ thing 😂… some of us have spent our lives honing that skill to a fine point ! 😂😂
If you can manage to stop worrying as when you were working , life becomes a lot better 🌺🙂
I’m 62 years old and still working. I try to save most of my income thinking that I’m not going to have enough money when I retire.
I like how advice tip #2 is to stop buying stuff, and then you have links to Amazon purchases in the video description.
We were referring to buying stuff on trips Mike 🍻🙂
New focus on me retired at 56 now 61 these have been some of the best years of my life. Group of friends and I call ourselves Queenagers like our teen years but with a couple bucks in our pocket which we are spending on ourselves..
That’s awesome 👏 Cheers 🍻💰
Love that! Queenagers! One to remember! ❤
The fear of running out of money is real and we are watching it with our older parents.When one dies their social security is cut and if one develops Alzheimers or needs more care the cost per month skyrockets to $6-$10K which burns through the savings. And if one has a home that is paid for, repairs keep eating up the savings.
Yes you are aware, it is a problem but can be managed through budgeting, it is the elephant in the room. Thanks for watching Merrill.
Brilliant. I like to think that.... at school, we are told what to do and how to behave. Then at work, we are told what to do, how to behave and given a label (job title). In retirement..... you can truly be your own person.
You two are so reassuring and kind!! I'm going to plan a trip!! 70 this year and just retired
Congratulations
Good advice to give inheritance early when they need it. It would give me a lot of joy to help my son buy a house.
A few years ago, we started only buying a small fridge magnet and a Christmas tree ornament from our holiday destinations. Works great for us.
Same!
I started doing the same 😊 Also book marks make great souvenirs and practical too 👍
@@janegardening Bookmarks is a great idea as well!
I love to take a picture or a small fridge magnet. The
Magnet goes on the fridge and the picture goes in a photo book.
My daughter always tells us to stop buying "stuff" for her to throw away when we are gone. "Stuff" requires dusting and Im so over that! Don't save to pay for a nursing home.
Have a great weekend Patty Cheers 🍷🌺🙂
All great advice the toughest transition is from saver to spender but its a nice problem to have. As far as having too much stuff we have just returned from UK after moving my mother-in law into a care home, we were tasked with clearing the house of 35 years most of the stuff had'nt seen the light of day for 20 years plus some were unopened. We refer to it as CLS Cute Little S- - -. don't need it. Experiences and good positive friends are the key plus focus on your health, negative people always have a problem for your solution. We were on the Regal Princes with you[Geordies]came back on the QM2, next week off to Vancouver for two week cruise in Alaska then a 28 days cruise in South Pacific. Life is precious do your best to live it to the fullest, remember not everything has to cost money, enjoy each day. Plus don"t watch the News. All the best!!!
Lovely to hear from you John and hope you enjoy your Alaska Cruise 🚢 we did the Inside Passage a few years ago and just loved it take care both of you Cheers 🍷🙂🍻🌺
What a lovely couple. Pleasure to watch your channel and listen to your messages
Thank you so much! have a great weekend George Cheers 🍻
Have a Heineken on me Norm🎉 A toast to a long and happy retirement!-🍻Mike from Ottawa
Thanks so much Mike 😀😀💕
Showtime, guys !!! Stay healthy, wealthy, and wise !!!
You two are two cute! I smile as soon as I pull up ur channel! As u mention- time is not a renewable resource!
So true! thanks for watching 🌺
I find so many people spend too much money on alcohol. A glass of wine with dinner is one thing. 2-3 glasses is another. Plus, a lot of people have a couple of beers or drinks in the afternoon.
There might be a lot of truth in this , maybe everything in moderation 🍷🌺🍻🙂
What many people do not realise, sadly, is that alcohol is a carcinogen. Many older women with breast cancer don't understand this fact.
There’s a lot of sage wisdom in this video. I’m one who unfortunately has left it almost too late to fully enjoy my nest egg. Health issues and a lifetime of save don’t spend mentality means not enjoying those life experiences that money can buy. Old age means becoming irrelevant and without true friends. As you say if you’ve raised your kids well they no longer need bailing out. And no one sits by the fire reminiscing about the stacks of money good old dad left them in the will.
Thanks for sharing have a great weekend Cheers 🍻🙂
Alot of times people spend money to entertain themselves. My mom spent every dime on nick-nacks for her house. Now she needs assisted living and can’t afford it. We don’t need half of what we think we do.
Create memories with people you love and enjoy! My husband and I are treating our son and our lovely daughter in law to a trip to Hawaii for all 4 of us! Love your channel!!❤
Sounds great! have a wonderful weekend Cheers 🌺🍷🙂
Why are we / am I still saving? Because I was raised by parents who were raised in the depression, I’m 65 and have 50 years of savings habits, it’s totally intrenched. I don’t buy anything to impress anyone. Simple rewarding live, I absolutely love life. Cheers
It is hard but after 50 years maybe you need to rethink things 🤔and enjoy life even more 🌺
@@ThisIsOurRetirement thanks, I could not be happier!
Great philosophy ! I totally agree. We are retired and we travel because it is our pleasure. The kids told us to spend our money and we intend to do so. 🇨🇦
Love that! Cheers 🌺🙂
Such excellent info! I would love to send it to so many fiends I have that say they cannot afford anything! They live in big houses paid for, the cheap out on cloths, food, fun. Sell the house spend the money! Invest the money pull monthly payments. Your home sale will pay your medical or retirement home costs. Rent like these too!
That’s awesome Teresa if you share with all those friends we might get lots of new subscribers 😂😂Cheers 🍷🌺🙂🍻
Sacrifice is hard not to do. The times we live in are scary.
On trips, I buy something that depicts a trip and small enough to hang as an ornament on the Christmas tree. Then each year I can enjoy the memories on the tree. Functional.
Wow that’s just what we have done over the last 15 years , but now we got rid of our big 7 foot tree and downsized to a lovely 4 foot tree and it’s perfect for all those memories of trips Cheers 🍻🌺🙂🍷
We buy a fridge magnet as a reminder of our trips
As a fellow Canadian, I chuckled at your comment about mainly bringing back "duty-free booze" from a vacation. I can totally relate! There are some favourite liqueurs I like to get in the duty-free shop, some almost half the price they go for in liquor stores here.
Cheers Sarah 🍷🌺🍻
I really needed to see this video today! It has snapped me out of the funk I was in and gave me permission (again) to enjoy my money. Thanks!
Wonderful!
Totally agree! We're just back from two glorious weeks in Spain. We got a little inheritance and decided to live it up and go back to our favorite country. It was totally different than last trips because we didn't feel constrained. We got first class train tickets and if we saw something we wanted, we bought it. At the same time we didn't go overboard. We typically buy practical things like shirts (I got 6 shirts, he got 3), a beautiful mug from Granada, some "tapones"(corks for wine bottles with beautiful ceramic tops that will always remind us of our trip), some bookmarks from a couple of museums. We maybe spent $200 on all of that but they're practical things and will remind us of our wonderful trip.
Wonderful memory glad you enjoyed it Toby 🍷🌺🙂
Great ideas.... also get your Will updated. I've seen a few older folks who enjoy getting the bargains at CDN Tire but shy away from the lawyers office.
Great advice for us all 👍
Hubby and I have recently retired. Our plan is to pay for yearly vacations with our adult children and our grandchildren. My joy comes from being together and lots of laughs. ❤you, two. Cheers!
That's a great plan, we have the same goal and will try the route of buying a cottage so everyone can join us for however long they can visit during the summer. In the end it's all about being with loved ones and creating memories.
A nice idea Murray Cheers 🌺🍻🙂
Yup! All my patients have this plan until a disabling illness pushes them into needing assisted living. Not all care is covered and it always catches the boomers off guard!! Now the province can send you to Northern Ontario if there’s no beds and you have no money, no agency to make token decisions. Good luck spending every last penny, which might work in an American private insurance world, but fails miserably in a Canadian context!
Just dropping truth bombs throughout this video - love it. I’m probably one of your younger viewers, but I enjoy listening to you because I want to learn from your life experiences.
That’s great glad you enjoy our channel 🍻🙂
Awesome video ! I know too many people more in love with their money than living life to the fullest….and love the comment about being authentic !!!
Thanks so much 🍻🙂
Congrats.
I sometimes travel with a friend who is still into buying souvenirs. Not me. LOL. I think once you've done a purge, you do not care about more souvenirs.
We agree more things to dust 😂😂 Cheers 🍻🙂
Thank you, Tina and Norm! One of your best episodes! Great advice for the folks like us, who are following your journey through retirement life and 5-10 years behind you. Inspiring, calming, priceless!
Our pleasure! Cheers 🍻🙂🌺
Your US viewers must save for health care expenses at "end of life". Those costs can be financially devastating.
Thanks for watching Cheers 🇺🇸🍻🇨🇦🍷
And in Canada there are valid concerns about affordable quality long term care.
My husband and I live in the USA - we are both retired and have good health insurance - but I have several serious chronic diseases and health conditions - our total medical and dental expenses for 2023, totalled almost $ 75,000 - that is money we paid out of our bank account for our medical insurance premiums ($20,000), doctor and medical procedure co-pays, prescription medicines, dental care (we both needed to have some extensive dental work), and prescription eyeglasses - and we worry about the future when one, or both, of us will need to be in assisted living or nursing home care - so we don't spend a single dollar that we don't have to - We don't have kids or grandkids to worry about, but we don't go out to eat, or take trips, or spend money on social activities - we live like paupers.
I do think that healthy retirees do not adequately prepare for health crises that can end up using more resources than we anticipate - either to supplement long term care or in home care.
@@sherriv8615 That's awful. Why don't you consider having these things done in a South American country. The one I am retiring to is ranked higher in healthcare than the USA. To give you two examples: Male prostate and kidney exam. Female mammogram and pap smear exams. All in, $70.00 USD. My wife and I both got surround dental x-rays. $7.50 USD each. A family member of ours had a GI bleed that was not healing. He spent 40 days and nights in hospital. Since he has national healthcare, he paid NOTHING out of pocket.
Seriously, the USA is a great country, but it is HIGHLY overrated in many aspects. I would NEVER retire here.
I love you two!! You're so positive and sweet, it's an absolute delight to watch your videos! A dear friend of mine's "financial advisor" told her she needs 5 MILLION dollars to retire... can you imagine? She is in a near constant state of worry over money. "Worry is the thief of Joy."... so true! I'll share this video with her in hopes it helps. Also, love Norms t-shirts, my favorite so far is The Police :)
Thanks so much we hope you’re friend finds different advice
We stopped saving 4 years ago, but somehow money still continue accumulating :)
Hi guys isn’t that funny that seems to have happened to us too hope you both have a wonderful weekend Cheers 🍷🙂🍻🌺
Me too
@@ThisIsOurRetirementWe have a perfect weather over here, sunny and warm! We are babysitting our son's family dog, while our kids and families are traveling to Italy. :) Meanwhile, we spontaneously decided to go to northern Spain (Oviedo, Asturias) on a short trip in June. A lot of our trips are spontaneous, - we look for a cheap flight to Europe, and plan our getaway around that. Put Asturias and Galicia on your radar. Beautiful areas of Spain! We just keep going there (and to Portugal, of course!) Enjoy your weekend! Cheers!
What's the secret?
@@tonysomewhere5920 I'm not sure there's a secret... If you were able to accumulate enough for retirement, it means you always were good with the money, - spending wisely, looking for good deals, etc. you'll continue doing all these in your retirement. We found out, that once you retire, your spending goes down. You have more time on your hand to find better deals, be it shopping or travel. I guess, you are not in a rush to make a buying/spending decision. Plus you don't need to save for retirement anymore.
I am glad I found your channel. I enjoy the way you share your experiences and some of your thoughts through this space, which I totally relate to. My husband and I just retired and we are going through the adjustment phase of our time and budget. Thank you Tina and Norm; from a fellow Canadian. Norm: keep on wearing those Pink Floyd/Genesis t-shirts ✌🎶
Thank you Carolina we really appreciate your kind words 💕
@@ThisIsOurRetirement thank you both :) ❤
💙 it! “It’s Showtime”. Great view on retirement.
“It’s show time!” 😂😂😂 love this!
Great suggestions. Re-evaluating relationships with unsupportive/negative relatives is big on my list.
That’s a very interesting point thanks for sharing 🌺🙂
I’m 72 and yes still freak out at the thought of dipping into the savings!! 😂😂😂 but we are planning our trip to Portugal! Thanks guys ❤
We hope you have a great time Nancy 🌺🙂
@@ThisIsOurRetirement you are so cute and very informative! We enjoy your videos 🩷
Congratulations on 48+ years.
Thank you 🍻🌺
Love listening to you guys find you both very grounded and calm plus you give great advice ta!
Thank you 🌺🍷👍
With the high cost of housing in the Miami, I see many multi-generational households.
That is one solution Kathy Cheers 🇺🇸🍷🇨🇦
Will be vacationing in Albufeira in March of 2025 for 30 days.Enjoying your videos & they'll give us a head start. Subscribed , from welland Ontario
Welcome aboard!
Fabulous video. I enjoy your channel very much.
I'm 60 and joined my local golf club and playing golf again now. I used to be scratch 30 years ago but put it all on hold to raise a family. We have SAVED and kids are grown.
I don't feel guilt over playing golf and enjoying life again!!!
Absolutely wonderful we are so happy for you when we first got married we always said we would have life after kids so happy for you too 🍻🙂
This is one of your BEST videos ever!! So true. But I think this is the wisdom that comes with life experience. Here’s hoping it helps some get to this point earlier. You shared it beautifully.
Thank you so much Pam have a wonderful weekend Cheers 🍻🍷🙂🌺
I imagine that it's a big shift in thinking! Nose to the grindstone, paying a mortgage, saving for retirement, then FREEDOM. Also lots of elderly have survived wars, famine, the great depression. Then it's hard not to be frugal. Sadly, my mom passed this year and only started enjoying her money during the last few years of her life. At that point she couldn't travel anymore.
Sorry to hear about your mum passing Melissa and that she didn’t get to enjoy more of her money 💰 it is very hard to from saving to spending . Have a nice weekend and thanks for watching 🌺🙂
The best gift you can give your children is to downsize. Get rid of all that junk you aren’t using anymore. Nobody wants your “precious” china or all those tools that are outdated now. Face it. You don’t have time to read those hundreds of books again. Donate them. We managed a seniors apartment complex and it was just heartbreaking when a tenant died and the poor kids were let with having to deal with a ton of junk when they are already overwhelmed with grief. All that stuff is like a millstone around your neck keeping you from getting out and enjoying life while you still have it.
Some of the best advice . So true . The book the gentle art of Swedish death cleaning . a must read
Thanks for sharing totally agree downsize makes it’s a lot easier for the children 🌺🙂
Excellent video. No nonsense advise. I agree fully.
Glad you enjoyed it! 🌺🙂
Another idea for your future video. Many of my friends in theire 50 ties start thinking about keeping their young appearance by: botox, facelift, other procedures. Women take it really seriously when they are ageing. Huge issue. not even health. Appearance. They are losing part of their identity and ageing is scaring the hell out of them. Tina , you are aging gracefully, not doing any procedures. So, Idea on spending on yourself: is it just get greater experience with people you love. Or.. self-maintenance as well
Interesting suggestion I Tina would definitely not being going down the Botox route !! To age gracefully wrinkles and all is who we are in my opinion Cheers 🍷🙂🌺
We buy one Christmas ornament to remind us of our vacation. That’s it.
Showtime can only begin when curtain comes on debt.
Definitely helps to be Debt free 🙂
Great reminder as I approach retirement that I need to shift the mind set to enjoy the fruit of my labor...I think it may initially be easier said than done ( but I plan to try hard ✈️). Keep inspiring!
Love the round filling cabinet 😂 great advice I need to take a leaf out of the book.
Thanks Norm and Tina. Always nice to be remembered of those principles.
I agree with the “pay for experiences” mentality. Unfortunately my wife likes “stuff”. 🙄
Sounds like a compromise!
@@ThisIsOurRetirement good point!
I couldn't agree more! if you don't have your health... its truly so much.
Thank you 🙏, great advice! I’m trying to get my wife to get out her pre retirement mindset. She’s is still on saving mode. It’s a slow process but she is slowly coming around.💃🕺🍾
Best of luck! 🌺
You are giving me great advice. I am 62 want to retire soon.
Best of luck! thanks for watching Ruby 🌺🙂
You two are a brill example to us all
Thanks!
This is your best video yet…
Thank you so much 🥳🌺
Great advice! One thing to think about it is the cost of care you're going to need if you happen to live to be old because no matter what - your health will deteriorate in ways you can't imagine now. I have different friends who are taking care of elderly parents who were irresponsible with money in retirement and now their kids in their 50's are having to fork out tens of thousands a month on extra homecare /caregiving, meal prep, rides, certain not covered medications and the needs go on and on, not to mention private nursing homes many of which are $10,000-$20,000/month. This is especially tough when also having to support children in college especially with rents and home costs so astronomically high. All of my friends with hard working young adult children are going to sacrifice a ton of travel and flash cars in retirement so their children can have a home one day. In Canada, the big cities are well over $1M for even an infill, duplex or condo. In Alberta there is no rent control so landlords can double or triple the rent and they are at this moment, resulting in seniors becoming homeless because they have nothing saved and rely solely on gov't pensions. I think it's great to stay active and splurge here and there, but generally I'm team SAVE.
Thanks for sharing 🌺
4 relatives in Asia, all in their 80s, have their own maid/ helper , cook and driver. Super affordable.
They have health issues but like their quality of life in tropical weather.
Agreed ! this is THE MOST right-on episode ! . . . btw, them binoculars look good on Norm ! LOL...
Thats awesome glad you enjoyed it have a great weekend Cheers 🍻🙂
This is perfect! 👌. Great message ❤
Hi Tina and perfect Norm.
😆 😜
Love these ideas.
Positivity is key. 🤩
I agree getting an inheritance in your 40’s is better than later in life. It helps a lot!!!
How are you guys?
Enjoying the trailer yet?
You are living your best life! 🌟
Have a wonderful week ahead!
Sam 😊
Going to be opening the trailer soon every time we think of going like tomorrow weather forecast is ⛈️ Thunderstorms and rain ☔️, we are fair weather campers so don’t go 😂😂. Have a great weekend Sam 🍷🙂🌺
Hi Tina and Norm!!!!!!!!!!!!!!!! :)
Your fan Mary from Toronto, ON. What an AWESOME video. I totally AGREE 1billion% with you two with everything you said. Have a great weekend everyone! Mary :)
Thanks so much Mary always lovely to hear from you and we hope you have an awesome weekend Cheers 🍷🌺🙂
Just finished the book Die with Zero.i think you guys read it too because you follow alot of his principles.
We have read it and thought it was very thought provoking but also he is a multi millionaire and when he wrote it he as a lot younger than we are now Celia Cheers 🍷🌺🙂
You guys are right. “It’s showtime”. 😂
Great video and information 😎
Thanks for posting, great advice! We take two or three trips to Kauai, Maui, or Big Island every year. Stay with relatives or Airbnb...eat at local cafes and take out places. Get lots of exercise and sun while we are there . Always go in off season...airfare often less than 1/2 of busier seasons. Enjoy your channel!
Sounds wonderful and thanks for supporting our channel have a great weekend Cheers 🍷🙂🍻🌺
What is considered off season for Hawaii? Their Summer?
November to mid December works for us and it is a low season. Summer is the lowest season but it's too hot for us🥵...aloha🏝️@@freedomlife3623
Hawaii. Mid January and Feb. sept to mid Nov
Great points, well done!
Simply love you two. 🙌🙌🙌
Thank you so much have a great weekend Cheers 🍷🙂🍻
Really need this video, thank you!
You're so welcome! 🌺
YES!!! I love all this great advice!!!! 👍🏼😀🇨🇦
Glad it was helpful!🌺🙂
Omg I love you both!!! Sage advice wonderfully delivered. Thank you.
You are so welcome have a great weekend Daniel 🌺🙂
Hi Tina and Norm! Congrats on your upcoming 49 year anniversary! As usual you make some great points.
My hubby and I will have generous defined benefit pensions. My husband already gets his Canadian teacher pensions. I’ll get a nice pension when I retire in 21 mos. But we plan on saving around 20% of our net income to have 3 yrs, 5 yrs, and long term savings. But this won’t be as a sacrifice to the travel we want to do and other activities. We plan on retiring back in Canada and will be greatful for the health care system there. My MIL had to go into an assisted living facility and they’re expensive so we want to save for this reason and not have to burden our kids.
We also are going to get a term life insurance policy with leaving the kids with something from that.
Thank you we are enjoying being retired in Canada 🇨🇦 hope you do too 🌺🙂
Also In America, you can gift cash each year as a Tax free gift up to $16k. So, maybe gift to your adult children now in piece mill and have them pay off their house early or help them set up an Roth IRA. I feel so many seniors and boomers today are still paying bills for their Adult children.
Thanks for sharing great idea Christopher 🇺🇸🍻🇨🇦💰
Honestly people my age save money for medical expenses at the end.
Not everyone will need it
Best “movie” advice you have shared that resonated with us. Made us stop and think! 🇺🇸🌴
Love that! thank you so much have a wonderful weekend Cheers 🍷🌺🙂🍻
Great video, Tina and Norm. You're right about everything. Enjoying life in retirement is so important. Hope your channel continues to grow!!! Take care of yourself. 😊
Thanks so much we so appreciate your support have a wonderful week Cheers 🍻🙂🌺
Round filing cabinet.....love that! Take care
Have a great weekend Cheers 🍻🙂
You guys are so fun to watch....This was a great video....and YES I am a subscriber....🤞you will get that plaque soon!!
Thanks so much!! and for supporting us Ruth have a wonderful weekend Cheers 🍷🙂🌺
I've had 3 financial advisors tell me I need to spend more. I retired at 62, now age 65. But I still save too much. "Spenders can't save and savers can't spend" is a true adage. I'm spending a little more, but still not enough.
Still hard to do 💰🌺🙂
I'm subscribed and have given the thumbs-up. Your topics are aways so grounded, and I bet for a lot of people they act as a reset. I would say that most of us inherently know all you've brought up here in this video, but sometimes we need to be reminded of what's important. Great topic! Thank you!
Your very welcome and thanks we appreciate your support Steve have a great weekend Cheers 🍻🙂🌺🍷
I am so much in agreement with the sentiment of your message today ❤
That’s awesome thank you Anthony 🍻🙂
Well said
Thank you have a wonderful weekend Cheers 🍷🙂🌺
Thanks for the video Tina and Norm. We got to enjoy the hard earned money we saved over several decades. For some, switching from saving to spending is really difficult. To me, die with zero, or close to, make sense😀. Have a great weekend❤.
Still learning going from saving to spending is hard glad you have made it work have a great weekend Cheers 🍻🙂🌺
@@ThisIsOurRetirement I am still working, hoping the retirement dream will come sooner😀
This is a very positive video! 😁 Thank you!
You are so welcome! 🍷🌺
Just found you last night. Love your content. Helping you chase that plaque 😊
Awesome thank you! welcome to our channel Debra have a great weekend Cheers ☕️🌺