STOP Saving For Retirement, Spend More MONEY Now!
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- เผยแพร่เมื่อ 1 ต.ค. 2023
- STOP Saving For Retirement, Spend More MONEY Now!
It's time to challenge conventional wisdom about retirement planning!
We've all heard the advice: "Save for retirement, save for the future." And while there's certainly wisdom in building a secure retirement and financial future, there's a perspective shift I'd like to propose.
Why not enjoy life to the fullest today while still securing your retirement tomorrow?
Here are a few ideas to consider:
Experiences Over Possessions: Instead of accumulating more stuff, invest in memorable experiences that enrich your life today.
Balance Your Goals: Find a balance between saving for retirement and enjoying the present. Allocate a portion of your income for both.
Invest in Personal Growth: Consider investing in education, skills, or experiences that can enhance your quality of life now and in your retirement.
Plan for Early Retirement: If possible, explore the possibility of retiring earlier and enjoying your life while you're still young and active.
Remember, financial planning and retirement planning should align with your personal goals and values. It's not just about hoarding money for a distant future but about creating a fulfilling life today and tomorrow.
Let's start a conversation about reimagining retirement planning and finding a balance between saving and spending. Share your thoughts and experiences below!
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Retirement income strategies and retirement income planning are two big pieces to anyones retirement planning calculator. Whether you are wanting to know strategies for "retirement planning at 30", "retirement planning at 40", "retirement planning at 50", or even "retirement planning at 60" understanding how much retirement income that you want versus how much you need gives you a roadmap to follow to and through retirement.
Here at Pearl Wealth Group, we run a trademarked retirement investment and retirement income plan for individuals and families who are wanting to retire called "Your Financial EKG™." What we are trying to visualize is how long a persons retirement savings are going to last throughout retirement. If you are looking for early retirement planning tips or trying to saving for retirement in your 50's, You Financial EKG™ is a great tool to help you understand where you are retirement planning. Retirement planning and retirement income strategies shouldn't be complicated. They should just be done right.
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❌ *Please make sure you talk with your CPA, Financial Advisor, Retirement Planner, or Investment Advisor Representative, before implementing any content from this channel. All videos are for informational and educational purposes only. None of the content, comments, responses, information, or any other item on this channel constitutes financial advice or recommendations. Please call Pearl Wealth Group at 813-807-5060 to go through your Retirement Income, Retirement Investments, or Retirement Plan in more detail.* ❌
Pearl Wealth Group
Drew Blackston, CRC® & RFC®
Office: 813-807-5060
Info@pearlwealthgroup.com
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Getting you to Retirement, through Retirement, & protecting YOUR ability to stay in Retirement!
#retirementplanning #retirement #financialfreedom
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In Italy right now. 53 is a great time to start unraveling your life.
Jealous!
Another great video! I like seeing others to get an idea of where I will be. Looking forward to our EKG!
Awesome! Thank you!
Love your videos. Make sure to console your gator fan clients down there . GO BIG BLUE!!
Go Cats!
Retire in the Philippines. Live like a king on $3,000/mo.
If you have $1,000-$1,500/mo budget, you can have a very comfortable life there.
So, if you have $300,000 invested in dividend-paying stocks/ETFs, with average annual yield of 6%, you can generate $1,500/mo income WITHOUT touching principal.
Hello, what about the public and private school for American kid? How much it cost?
@@cathyxu3243 $2,000-$3,000 per YEAR private collge. for public school, very very cheap like $300 per YEAR.
Awesome!
Enjoy all stages of your life. Drew is right, you are only in your 20s, 30s, and 40s once and you still have to save enough so you do not have to work until you are 80. A guy I know worked hard his whole life built a 1,100 acre farm, and had millions. When his wife was on her death bed a few years ago he was crying saying he never took her on a vacation or bought her a brand new car or really enjoyed the money they had and now it was too late. He is in a nursing home now in his mid 80s and still worth millions (doesn't do him much good). My bro's father-in-law is a financial advisor and he watches the obituaries and sometimes sees his clients passed, then he checks their investments and they died with millions (if that is your goal fine) which means they way over saved and they could have had more fun while they are young. On the flip side you do not want to work until 80 either so save what you need to and enjoy your life. Great info Drew. Great reason to get a financial advisor like Drew involved in your life.
Thank you for sharing this story.
Thanks didn't know about the reduced spousal benefit of 30%
Glad this was helpful!
We are going though the process and will be contacting Drew to get our EKG done once we get our information all together. I dont see how you can live on 3k a month with taxes, insurances, health care and food cost etc.
Awesome, looking forward to it!
There is an inaccuracy in your video. Spousal benefits are not based on the year the primary takes benefits, But rather the primary’s PIA and the year the SPOUSE claims benefits. If the spouse waits until 67 she will receive 50% of the primary’s PIA regardless of when the primary claims benefits. Around the 9:30 mark you state in a round about way that Jimmy claiming early will affect her amount. It has no effect on her benefits.
Thanks for the comment but here is the exact wording from SSA.gov: The spousal benefit can be as much as half of the worker's "primary insurance amount". However, if the spouse begins receiving benefits before "normal (or full) retirement age," the spouse will receive a reduced benefit. Your spousal benefits will be calculated based on this reduced amount.
@@yourfinancialekg
Yes, That's exactly what it says and what I read "...However, if the spouse begins receiving benefits before "normal (or full) retirement age," the spouse will receive a reduced benefit. Your spousal benefits will be calculated based on this reduced amount."
When SSA says "spouse" they mean "spouse". They don't mean the primary. The corollary to this would be "...If the spouse begins receiving benefits at full retirement age, they will receive the full benefit." This whole segment is talking about the spouse, not the primary insured person. When the primary takes his benefits is not material. The only thing that matters about the primary is the PIA.