I initially planned to retire at 62, working part-time while saving money. But steep price increases have disrupted my plan. I wonder if those who experienced the 2008 financial crisis had it easier than my current situation. The declining stock market has lowered my income, and I'm worried that my reduced contributions will leave me with insufficient retirement savings.
I suggest formulating a diversification strategy as constructing a strong financial portfolio has become more challenging post the onset of COVID. A coworker proposed the idea of enlisting the services of an advisor. I can personally attest to the success of this approach, having earned more than $120K with their guidance amidst the market turmoil. They employed defensive tactics to safeguard my portfolio and generate gains despite the market's fluctuations.
My Financial adviser is ‘’Colleen Janie Towe’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
@@LionTowercoporation Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
I live near a golf course. Three days a week I walk around it collecting lost golf balls which I sell. It’s my new side hustle. I stay active and I earn money. It’s a win-win. This makes me happy.
Bike riding. It allows you see see nature. Get fresh air. Good for the heart and soul. Plus it keeps you in shape. One word of advice, make sure you have a cushion seat.
I don't like the cushion saddles, I like the ergonomic saddles. I gave up bike riding last year because I fell and broke my ribs. I just don't recover like I used to. If you ride a bike, expect to fall.
Maybe think about getting a e-trike. My wife no longer felt comfortable riding a bike, so I bought her a e-trike and she now once again enjoys riding with me.
I retired a little over 6 years ago. My wife retired 2 years later. (we both retired at age 62) For the most part the only thing that changed for us is that we no longer go to work and we get to go on trips with our RV during the week instead of the weekends. As far as happiness goes that's nothing new for us. We have been together since she was 17 and I was 19. Getting to spend every day with each other has been the single best thing about being retired.
That's one thing I'm really looking forward to after I retire, the travel outside of the "rush" times. Currently I have to take off the day after a holiday so I can drive home the next morning instead of fighting traffic coming back to the city on a busy holiday weekend. Another nice thing you have is that you can run your errands during the middle of the day instead of waiting for evenings or weekends when everyone else is doing their shopping.
@@BillGreenAZ Holiday weekends are the worst. We live in Michigan where the place to go on the weekends are all "up north". So we head north on Sunday when everyone else is heading south to go back to work on Monday. Then we head south on Friday and watch the folks who worked all week jamming the northbound side to get back up north again. 😁
@@BillGreenAZ I fully retired at 58 about 9 years ago. I live near a big city and noticed there’s only a small window where traffic is light. 10 am-12pm and 7pm-5am during the weekdays. The weekends are a bit heavier. I guess there are a lot of baby boomers like me retiring everyday (10k) so I read. I tend to stay where I live, the suburbs.
❤ I am looking forward to those moments with my wife as well... I do believe, as you said, that the best part of retirement is that you spend those times with a person you love to be with... Enjoy!
In January of 2021 during the height of Covid, my wife bought a cribbage game on Amazon and said she wanted to teach me to play as she'd played it as a teenager with her mother. I told her I had no interest in some boring game that old people play while they're "getting drunk and smoking Marlboros". Those were literally my words. She said fine then we won't play. A few months later I asked her to teach me how to play. I don't know what changed my mind but I think part of it was the thought that it was something we could spend some time doing together. She taught me to play, I became good at it and it is now part of our daily routine. We go to the gym together at least 5 mornings each week, come home and do errands or other things, we have lunch together and without fail we play cribbage while we have lunch. Then again at 5:00 without fail every night we play 2 more games of Cribbage. Maybe not the most exciting thing in the world but it does force you to use your brain and it's quality time together now that we are both retired.
Your comment about "retirement giving you the opportunity to get back to who you once were" struck a chord with me. I was a school teacher many years ago and got out of it mainly because of the stress of dealing with student misbehavior. Now I volunteer at the local school and am able to help and guide students without the responsibility of running the classroom. I get to do the fun part of teaching while letting the school staff deal with the misbehavior. Add to that my ability to set my own schedule and I would say I'm doing all right!
I work part time, 3 days a week, Mon-Wed, in a hardware store. I get everything in the store at 10% over our cost. Saves us a ton and I love the “job”.
The greatest gift retirement gives me is simple peace of mind. The ability to just chill out and enjoy a largely stress free life is huge! I sleep like a baby knowing that I am debt free, have adequate income, no longer have to meet strict deadlines, respond to emergencies, or fear for my personal safety. There is no precarious commute on icy traffic-filled roads, I don't have to deal with the boss's ridiculous demands and unrealistic expectations, and I can actually stay home and relax when I'm sick! This, combined with long power walks throughout the changing seasons, some light gardening, more time spent with my grandkids, and a million little projects to work on, is enough to keep me satisfied. I know that most people need much more stimulation than this to be happy. But for me, anything more than this just ices the cake!
My neighbor recently retired and he says he finds it hard to find things to do throughout the day. Your story here helps those of us wondering what we will do after we retire. Your post is especially nice to here about the lack of stress. I have a rather stressful job right now that I can't wait to get rid of after I retire.
Great videos! I retired early and took SS early. If you like to garden like I do and like canning food you may want to start a garden. It doesn't need to be too big but mine is 300 sq/ft and gives me 50 to 60 percent of my food. It checks so many boxes like nutrition, exercise, saving money and meeting people when you give extra food away. Get out of the house! I went out and picked Raspberries and now it is apple season. I can't keep the motivation to go to a gym, so my main form of transportation is an Ebike and brings car use down to 3-5k miles a year. Help your neighbors. The lady next door couldn't mow her yard and I offered to mow it for free but she insisted on paying. In the winter time I snow blow her sidewalk and driveway. Another neighbor had water damage because a pipe sprung a leak and helped move things and stopped the leak. None of this makes any large amount of money but keeps you in shape and helps others. Do things that are different. I will for Halloween give some bags of polished stones to the tricker treater's this year! I polish stones in a tumbler and now is the time to let others enjoy stones I am tumbling now and ones I did in the past.
My grandmother lived on a farm until the last 5 years of her life. She still had a garden and stayed busy each day with activities around the house. She died at 98 with her mind still sharp. My mother was a suburban couch potato that loved hamburger helper and little Debbie’s. She died at 86 after 6 years in a nursing home with dementia and Parkinson’s. My brother is 71. He has elderly fragile friends in their 60s and one friend that’s 83 that still does HVAC. Staying active makes all the difference in the world 👍
@@katydid2877 great information! I am busy all the time with many hobbies. Just taking a break from making pizza sauce! Another rainy day and canning food! Have a great week!
I love 'tumbled' stones! Have been looking into starting .... I have cans of 'pretty' stones I've picked up through the years. Nice to see someone else like them too.
@@clwest3538 Tumbling and giving away 50 hand sewn little bags with bats prints and eyes with polished rocks! Parents take the bags also. so rocks are more than a kids thing. I went to a garage sale looking for fabric to make the bags and I now have 6 stones they wanted tumbled! Great to make new friends!
I think humans thrive when living to a routine, certainly I do even in retirement. I get up daily between 5 and 6am (without alarm clock). Get out the door by 7am to do stretching and yoga every morning on the beach and then every other day I go to the gym on my motorcycle 8km from home on Phuket island. This keeps me motivated and hopefully pretty healthy into deep old age.
Never having had hobbies while in my working years I was at a loss as to what to do with so much free time in retirement. My husband doesn't like to travel and spends all his time in his workshop restoring vintage tractors. I decided to buy a tiny travel trailer and go on adventures by myself. That filled a few weeks of the first two years but then I needed more. We have a wildlife pond so I started setting up a game camera to capture the swimming bears, bands of raccoons, foxes, skunks etc. I created videos for my Facebook friends and they loved them so I started making TH-cam videos as well. The time I spend editing from the 3 cameras now absorbs most of each morning! After posting the videos I walk 3 to 5 miles on my treadmill to stay in shape. I feel like I've found a retirement routine that I'll enjoy for many years. As a childless couple, we make up for not having children and grandchildren by hosting long distance hikers in our home. We live near the Pacific Crest Trail so 6 months out of each year there are hikers from all over the world passing our town. We have many "kids" now and one has become so special she stays with us each year that she comes (from the EU!) to hike the Sierra. I didn't plan any of these retirement hobbies. They just happened because I wanted to keep active and continue learning new things. Retirement doesn't have to be expensive or boring. Just keep your mind open to what's around you. I really enjoy your videos. You give excellent advice!
This sounds bad as far as health, but when I was working, I gave myself a reward of a cigarette. I would smoke and drink coffee everyday before work, when I got off work it was another reward. On my days off, I enjoyed sitting outside and drinking coffee and smoking. Then I hit a rock at the park when the sun got in my eyes and it took a month to have insurance get to it all with the repair shop, and it happened the day my retirement started. I suddenly had to walk if i wanted to do anything. Although when at work I stood and walked almost the whole 8 hours, and thought I was in great shape, I found out I was not. So... I started trying to walk farther and farther, which I did, and oddly the reward of smoking and sitting was not as much fun. I started finding other things. It is amazing how much can be seen, or even how many people I talked to when I was walking rather than driving. It was one of the biggest gifts I have ever gotten. I called a quit smoking line and they sent me free stuff to help me quit. It has been that same way with some other things that were rewards after doing some work, like sitting down and watching videos, or playing games on my phone. My goals are evolving as I am discovering life again, it is odd, but even cleaning up some clutter suddenly is fun rather than a job. I have only been retired for a month, but, this is interesting. Thank you for the video, and help you always give! It is interesting seeing you as a karate master, gives a whole new perspective on you, in a positive way!
Geoff, I’ve been an avid crafter and knitter all of my life. About 20 years ago o realized that everyone I knew had all the hats and mittens they needed and I started making these things for charity. I also started buying up a stash - what I call my 401(k)nit plan - of yarns for my retirement years when funds would be more limited. I’ve slowly made certain that I can continue my love of crafting (which now includes crochet and sewing) and found a calling at the same time. BTW, I’m a nonprofit accountant, so the “less money in retirement” issue is a real one. Thanks so much for your videos. They are such a big help!!
Developing a passion for personal, purely creative time & activities - writing, photography, performance, a musical instrument, any of the visual arts - causes a true shift in focus and energy. It's easy; it becomes 'addictive'; it satisfies! Happiness is about opening, feeling unfettered, ready to re-invent !
As we prepare for retirement, we found volunteering with our local honor flight hub very satisfying and life-changing for everyone that it touches. Space Coast Honor Flight provides our veterans with one last mission, in the form of a free trip to Washington DC to see their memorial. Is life affirming and often one of the best days of their lives. I encourage others to find a Honor flight in your area to support, there are 130+ hubs in this country.
Schmidt explains these succcinctly, watch the video! But a brief recap: 1. Set new goals 2. Have a daily routine 3. Take care of your health 4. Master technology 5. Pay others to do things you don't want to do 6. Be in alignment with your spouse on money and location 7. Try to fix broken relationships 8. If you want to work, do it your way On your terms 9. Have many interests and passions 10. Stay close (but not too close) to your children 11. (Re)Discover who you really are 12. I guess I missed one? 9.
I retired in 2015 and began volunteering in an effort to give back to the community. It’s only a few hours a week, but gives me great emotional satisfaction that somebody in need may benefit from my efforts.
I retired at 57 and have not looked back. I was fortunate that I had the time to help a cognitive challenged brother for 4 years until his passing in February 2022. My wife has been able to attend to her parents more or less full time, one parent who had a stroke and the other with Alzheimers. I have had my own health challenges and really value my time each day. I dont think anyone will ever say they wished they worked harder or another day as they pass from this earth.
Thanks for some great content. So many channels focus on the $ and not the psychological challenges of retirement planning. I am about 1.5-2 yes from retirement and focusing on how I can “turn up the volume” on my hobbies and gradually ease out of the full time workforce.
All great advice there Geoff! One more thing to add, remember it's "YOUR" retirement and YOU should decide how it will be. Advice is great...and most times helpful. Reason I say this, my Mom retired in 1998. I begged her to keep working part time to "keep her head in the game", as she was a Nurse Practitioner. She said "Nope, I've worked for the last 50+ years and I'm done working!" This was her right of course, she'd earned it and had prepared for retirement very well. We'll never know if she could have delayed the onset of Alzheimer's by continuing to work 24 hours a month and keeping her skills up to date. But she did it HER way. I hope to emulate that when I retire, except the Alzheimer's part. I will continue to work as long as I'm able and as long as it can be fun. When work is fun, it's no longer work.
I was always involved with arts and crafts, it was my passion. I did woodworking, painting quilting, needlework etc. When my kids went to school so did I and obtained two science degrees. I enjoyed a subsequent healthcare career, but it was always frustrating that I was so busy that I had little time for art. Now that I am retired I turned a bedroom into an art studio and play as much as I want! I have even met some fun people with similar interests.
I was looking for places to move as a part of my 10 year countdown to retirement. I was searching for tax efficient, maybe waterfront .. lots of criteria. In the end, I surprisingly decided to stay right in DC area! Lots of people will argue that it’s expensive to live in and not a good place to retire. But I decided to stay for two main reasons: 1) because my friends and family and ALSO new people I might meet have a lot in common with me, and 2) because so very much to do in DC area is FREE! I could virtually go to the zoo, the museums or dozens of festivals FREE; and there are sso very many places to go visiting.
I agree. I’m living in California at a time when everyone seems to be leaving the state. I understand all the reasons why but despite the negatives (and there are quite a few) I plan to retire here. Mainly it’s because my children and grandchildren live here, but also because of the natural beauty.
same in Long Island, Westchester and Northern NJ where many of my family has retired. It's a premium quality and yup, costs something but well worth. Close to good airports, live entertainment and healhcare
I don’t want to be unkind. But I prefer you stay in DC. It is likely that if you moved you would continue to vote for Democrats. You are probably a very nice person. I think it’s just best for us to remain separate. I do wish you good luck and good health. Sanjosemike (no longer in CA)
I’m not sure of my destination but I’m very happy with the direction. Since the last time I commented on your channel, I’ve made plans to sell the home that I’ve lived in for barely two years; I’ve moved to another country and I’m happier than I’ve been in a very long time! I’m living in a full service apartment that has increased my living costs but I can easily afford it and I love it! My new country is like vacation land; I plan to spend the coming months/years exploring the city I live in and as much as I can of what each of this country’s provinces has to offer. At some point I intend to travel outside this country and experience as many places and cultures as possible. But I’m confident that returning home from my trips now won’t be boring anymore. Even though I traveled regularly prior to these changes, I was bored beyond belief unless I was on the road. My new home town and country are exciting and make me very happy in my retirement. Thank you for what you’re doing here; it has helped to make a remarkable difference in my life!🙏
I very much enjoy your wisdom for those of us approaching or in retirement. They not only reinforce my existing ethos, but give me thought provoking ideas to enhance my own experience.
Thank you so much for your help. You are the first person who talks about these kinds of things without me needing to have a degree in finances! I have been retired for 15 years but still need your advice and then can also see what I did wrong and what I could do better. I also pass this info on to my kids and friends...Keep up the good work.
A few things that I'm doing now and look forward to doing in retirement. Bought a good digital camera and lenses. Photography was a hobby of mine when a teenager. With digital a person can take a thousand pictures to get that "one". Delete the rest and start over. Computers and software make editing pictures easy. Another joy I have is mountain biking. Yes, the initial investment in a bike can be large - thousands of dollars. It's therapeutic for the mind and healthy for the body.
I retired at 57 did not work four three years. Started driving a school bus. I’m now 71 plan to keep driving till I can’t drive anymore. Love the structure in my life and the extra pocket money helps.
Martial arts are a great way to keep fit, raise awareness, and confidence. Just to name a few of their attributes. Many styles are soft, focus on breathing, movement and stretching. Don’t think Bruce Lee… punching , kicking and blocking. Unless your into that… think more of a graceful Tai chi master that flows with the universe. Especially for us over 50 crowd. Learning can be inexpensive, fun and very beneficial. You tube is a good resource and many instructional classes are offered in tai chi, qigong, and my favorite aikido. Just thought I’d throw it out there for anyone looking to fill some time in retirement. Mr. Schmidt kudos to you for your videos !
I started Ham Radio a few years ago. Great hobby. Socializing on both remote and face to face, plus enough technology to keep all the gray matter working. All important in retirement. Check out some of the clubs near where you live. Chances are you will find a welcome community who will help you get started. Best thing is that you get to communicate with like minded folk over your radio.
I have been learning how to do family history. It is turning out to be a lot of fun. Example, I found that my stepfather who I was close to, his direct line married a “Quincy”. Her sister married John Adams and they had a son, John Quincy Adams. Those finds are exciting. So I agree with keeping a routine after retirement.
Learning social dance in my 20s has been a lifesaver for my mental and emotional health. It is also a never ending physical and social journey I hope to continue into retirement ... and maybe beyond
Such insightful analysis, as always. I am about 10 years from retirement, but I am a big planner, so I have been looking ahead to that chapter for a while. I have a lot of things I want to do in retirement, so having a routine will be the easy part. The challenging part will be building an adequate nest egg to fund it all. I am well on my way, though.
I really enjoy bicycling on rail trails. In retirement, I hope to visit a bunch of new rail trails around the country. That travel might cost $, but the trails are free!
Geoff has given me a lot to think about, he’s one of those people most of us admire and appreciate. Looking back over my life I have a lot of regrets, way more than I can even count. But despite being in very difficult situations I eventually worked my way to success and financial independence. So there’s that. Now what?
We’re busy in retirement doing things we’ve always done and things we’ve always wanted to do. This is the life! However, my spouse wants to continue to live in our urban home while I’d like to move to the coast in a much smaller town. But, compromise is part of all successful marriages, so I’ll simply adapt.
Canasta is a lot of fun. When I was a kid my family played a lot of card games. Canasta being one of them. My favorite is a game called Pedro. Has anyone else heard of it?
Geoff, most of your plans assume the retiree owns their home. Unfortunately, as a single person, I have always been priced out of the home buying market. I am 60 and my biggest retirement worry is how to estimate my future housing costs for a retirement plan budget. Any tips in this area?
Always enjoy your videos. I noticed when this channel first started it didn’t seem the focus would be so much on retirement as entrepreneurship tips? That was my take anyway. I wonder if you might consider doing a crossover video, on the popular topic of “what you are retiring to”, that discusses pros/cons and tax implications of retiring after a long career with an employer to pursue a hobby business? Thanks and please keep up the great work.
I would dearly love to retire in about 5 months when I hit 62, I don't see that as financially viable, especially with the way things have been going with my IRA the last few months. It pretty much looks like I won't be retiring until age 70. Not happy about it, but I am resigned to this fact. Having a routine is a great idea. I was a teacher for 20 years and during my summers off I kept productive and busy (happily) because I had a routine. The same when I was unemployed a couple of years ago, no thanks to Covid-19, and it helped me stay motivated instead of sitting around thinking woe is me.
My happiness is diminished. Medicare part b will be $170.00 a month for 2023. Please tell me how in the world can we afford this? Most seniors are on a tight budget..
As retirees we work hard to stay healthy and stay in shape.... Most of the the retirees we know do the same. Generally retirees with sufficient resources are very likely to work at their health....BTW, Our happies are volunteering and traveling....
Funny, when I was a kid my neighbors and I would go to a local course and a couple of private courses at night and walk the creeks in our bare feet and find golf balls. Maybe I'll start up again in retirement .
Once someone becomes use to using a smartphone if you're into nature there are apps which cost nothing that can identify trees and flowers. Photography with a smartphone, there are no cost apps to process the photos as well. I agree have a plan and occupy your life although maybe some people just want to wake up late and watch TV.🙂
I am learning how to sail. My goal is simply to get good enough to take one or two friends or family members out on a lovely day. Nothing big or fancy, just a rented day-sailor boat
We retired 5 years apart. I am now 62 and he is 70. We built a new home but all the homes are sort of the same. We have an upstairs that has about 1300 square feet. We go up four times a year to clean the filters and clean. The space is never used. Being a gay couple we did not decide to adopt. We do not want to rent out but it would be perfect since it has a separate entrance. But we love having three bedrooms on the main (one converted to nice office). Paid cash for the home.
Good talk. I’m 74 , never gave retirement much thought when I was working , now that I’m into almost 7 years of retirement, working with things I like and entertain me is the best example I can give those around me. Now that I’m not in a race I can pace myself to take time and smell the roses. I have always believed that having enough money is important, but it does not equate to happiness, it gives a bit of independence and maybe time to think about more important things. Showing off is definitely not one of them.
My wife's spending on credit cards is absolutely out of control. She ran up 31000 on credit cards over 3 years. I think I might have to divorce to break away from her. She has been following the same pattern her entire adult life, and I have no idea what the money was spent on.
Age sucks , but being alive and relatively healthy makes me happier than a dog with two tails. Maybe if I could win the lottery and give the ticket to my wife , it would make me happier.
The trouble with “doing nothing all day” is that that is all that is left to do. No one has expectations of you or needs you to do something for them. Inventing tasks or activities just to make a schedule or keep busy seems ridiculous. If one at least sleeps in it has the benefit of reducing the number of daylight hours one needs to fill with something.
well said and true! It is gone, we lived through the zenith of our time. The corrupt government will take down this country like what happened to Rome. My condolence to anyone approaching retirement who may have concerns over whether your pension pot will stretch to cover the rising costs of living. Bad energy policy, bad foreign policy, bad regulatory policy, and insane fiscal policy.
50 and retiring early. I'm really concerned abt the future in all aspects of where we all going, in this breath finances ; how to stay afloat. I'm thinking about investing for the first time in the capital-market but how can i achieve all that given that the market has being a mess most of the year?
@Eve Gray Please how can i reckon with such a skillset? I'm seeking a more effective investment approach to my savings, putting it to work because its getting killed due to inflation.
@Eve Gray Cintra really seems to know her stuff. I found her online page, and read through her resume, educational background, and qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her.
This was first said at the founding of the republic 235 years ago. If you think the government is corrupt now, read up on your early American history. The founders, framers, and our early leaders were not the visionary angels they are often described as. Diversification is the key to maintaining adequate retirement income.
Why all the complaints? If you are so unsatisfied with the way things are, change them. No one is forcing you to live in the u.s. People can move out of the states and get their pensions and s.s. Look into it. It may be easier than you think.
Thinking that seeing your doctor and taking the meds they provide will give you a long and comfortable old age is a fallacy. I read a statistic recently that the majority of retirees take an average of 5 daily medications. Most of these meds are for lifestyle induced conditions. Heart disease, high blood pressure, non-rheumatoid arthritis, chronic digestive problems and sleeping irregularities are not cured by meds. They simply mask the symptoms. Just because when you faithfully take your three blood pressure meds your blood pressure is a steady 120/80 does not mean there is no need to eat a healthy diet and make a point of getting regular daily exercise. Meds are not a free pass to ignore your body’s needs. In our current healthcare system there is neither time nor incentive to teach patients what they can do themselves to stay healthy. The information is out there. It is up to the patient to choose a lifestyle that supports health. Or the long and comfortable retiree future you planned for will just be another retirement myth.
Amen! But big pharma can't survive if doctors acted in a fiduciary capacity towards the patient. Doctors won't tell you to eat right and exercise. They would go broke.
1. Have goals 2. Have a general routine 3. Take care of your health 4. Mastering technology 5. Pay others to do the things you don’t want to do 6. Be aligned with your spouse on money and location you live 7. Try to fix broken relationships 8. If you want to work do it your way 9. Have many interests 10. Stay close to your children but not too close 11. Discover who you are 12.
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I initially planned to retire at 62, working part-time while saving money. But steep price increases have disrupted my plan. I wonder if those who experienced the 2008 financial crisis had it easier than my current situation. The declining stock market has lowered my income, and I'm worried that my reduced contributions will leave me with insufficient retirement savings.
I suggest formulating a diversification strategy as constructing a strong financial portfolio has become more challenging post the onset of COVID. A coworker proposed the idea of enlisting the services of an advisor. I can personally attest to the success of this approach, having earned more than $120K with their guidance amidst the market turmoil. They employed defensive tactics to safeguard my portfolio and generate gains despite the market's fluctuations.
@@LionTowercoporation That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?
My Financial adviser is ‘’Colleen Janie Towe’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
@@LionTowercoporation Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
I live near a golf course. Three days a week I walk around it collecting lost golf balls which I sell. It’s my new side hustle. I stay active and I earn money. It’s a win-win. This makes me happy.
Wow, creative! That’s great!
Just don’t pick up balls while they are still rolling!
@@gagehindle210 haha
A great way to meet new people.
@Hury Springer lol you can’t sell half balls
Bike riding. It allows you see see nature. Get fresh air. Good for the heart and soul. Plus it keeps you in shape. One word of advice, make sure you have a cushion seat.
I don't like the cushion saddles, I like the ergonomic saddles. I gave up bike riding last year because I fell and broke my ribs. I just don't recover like I used to. If you ride a bike, expect to fall.
Maybe think about getting a e-trike. My wife no longer felt comfortable riding a bike, so I bought her a e-trike and she now once again enjoys riding with me.
I always tell folks…no one ever committed suicide after a 30 mile group ride.
I agree with you 100%. I do 10 miles a day now and I'm working. It's definitely great for the heart and soul
I retired a little over 6 years ago. My wife retired 2 years later. (we both retired at age 62) For the most part the only thing that changed for us is that we no longer go to work and we get to go on trips with our RV during the week instead of the weekends. As far as happiness goes that's nothing new for us. We have been together since she was 17 and I was 19. Getting to spend every day with each other has been the single best thing about being retired.
That's one thing I'm really looking forward to after I retire, the travel outside of the "rush" times. Currently I have to take off the day after a holiday so I can drive home the next morning instead of fighting traffic coming back to the city on a busy holiday weekend.
Another nice thing you have is that you can run your errands during the middle of the day instead of waiting for evenings or weekends when everyone else is doing their shopping.
@@BillGreenAZ Holiday weekends are the worst. We live in Michigan where the place to go on the weekends are all "up north". So we head north on Sunday when everyone else is heading south to go back to work on Monday. Then we head south on Friday and watch the folks who worked all week jamming the northbound side to get back up north again. 😁
@@bernie9728 Smart! I can't wait to do the same in a year or two.
@@BillGreenAZ I fully retired at 58 about 9 years ago. I live near a big city and noticed there’s only a small window where traffic is light. 10 am-12pm and 7pm-5am during the weekdays. The weekends are a bit heavier. I guess there are a lot of baby boomers like me retiring everyday (10k) so I read. I tend to stay where I live, the suburbs.
❤ I am looking forward to those moments with my wife as well... I do believe, as you said, that the best part of retirement is that you spend those times with a person you love to be with... Enjoy!
In January of 2021 during the height of Covid, my wife bought a cribbage game on Amazon and said she wanted to teach me to play as she'd played it as a teenager with her mother. I told her I had no interest in some boring game that old people play while they're "getting drunk and smoking Marlboros". Those were literally my words. She said fine then we won't play. A few months later I asked her to teach me how to play. I don't know what changed my mind but I think part of it was the thought that it was something we could spend some time doing together. She taught me to play, I became good at it and it is now part of our daily routine. We go to the gym together at least 5 mornings each week, come home and do errands or other things, we have lunch together and without fail we play cribbage while we have lunch. Then again at 5:00 without fail every night we play 2 more games of Cribbage. Maybe not the most exciting thing in the world but it does force you to use your brain and it's quality time together now that we are both retired.
@ Mike Berg…the most important part…spending quality time together and enjoying each other’s company!!!
@@sandaramoore9660 Exactly!
Now teach her how to play chess.
I divorced my wife because she no longer wanted to play cribbage. Among other reasons.
I love the game and play weekly w/ a buddy. My wife has no interest in the game!
Your comment about "retirement giving you the opportunity to get back to who you once were" struck a chord with me. I was a school teacher many years ago and got out of it mainly because of the stress of dealing with student misbehavior. Now I volunteer at the local school and am able to help and guide students without the responsibility of running the classroom. I get to do the fun part of teaching while letting the school staff deal with the misbehavior. Add to that my ability to set my own schedule and I would say I'm doing all right!
I work part time, 3 days a week, Mon-Wed, in a hardware store. I get everything in the store at 10% over our cost. Saves us a ton and I love the “job”.
Plus you get to put in some "socialization" time which is important.
If I worked there my whole paycheck would probably end up being spent on tools!
The greatest gift retirement gives me is simple peace of mind. The ability to just chill out and enjoy a largely stress free life is huge! I sleep like a baby knowing that I am debt free, have adequate income, no longer have to meet strict deadlines, respond to emergencies, or fear for my personal safety. There is no precarious commute on icy traffic-filled roads, I don't have to deal with the boss's ridiculous demands and unrealistic expectations, and I can actually stay home and relax when I'm sick! This, combined with long power walks throughout the changing seasons, some light gardening, more time spent with my grandkids, and a million little projects to work on, is enough to keep me satisfied. I know that most people need much more stimulation than this to be happy. But for me, anything more than this just ices the cake!
I'm totally with you...with a bit of travel thrown in there!
My neighbor recently retired and he says he finds it hard to find things to do throughout the day. Your story here helps those of us wondering what we will do after we retire.
Your post is especially nice to here about the lack of stress. I have a rather stressful job right now that I can't wait to get rid of after I retire.
Jason, that sounds like plenty of stipulation to me! Fair play to you.
Oops! "Stimulation".
Great videos! I retired early and took SS early. If you like to garden like I do and like canning food you may want to start a garden. It doesn't need to be too big but mine is 300 sq/ft and gives me 50 to 60 percent of my food. It checks so many boxes like nutrition, exercise, saving money and meeting people when you give extra food away.
Get out of the house! I went out and picked Raspberries and now it is apple season. I can't keep the motivation to go to a gym, so my main form of transportation is an Ebike and brings car use down to 3-5k miles a year.
Help your neighbors. The lady next door couldn't mow her yard and I offered to mow it for free but she insisted on paying. In the winter time I snow blow her sidewalk and driveway. Another neighbor had water damage because a pipe sprung a leak and helped move things and stopped the leak. None of this makes any large amount of money but keeps you in shape and helps others.
Do things that are different. I will for Halloween give some bags of polished stones to the tricker treater's this year! I polish stones in a tumbler and now is the time to let others enjoy stones I am tumbling now and ones I did in the past.
My grandmother lived on a farm until the last 5 years of her life. She still had a garden and stayed busy each day with activities around the house. She died at 98 with her mind still sharp. My mother was a suburban couch potato that loved hamburger helper and little Debbie’s. She died at 86 after 6 years in a nursing home with dementia and Parkinson’s.
My brother is 71. He has elderly fragile friends in their 60s and one friend that’s 83 that still does HVAC. Staying active makes all the difference in the world 👍
@@katydid2877 great information! I am busy all the time with many hobbies. Just taking a break from making pizza sauce! Another rainy day and canning food! Have a great week!
I love 'tumbled' stones! Have been looking into starting .... I have cans of 'pretty' stones I've picked up through the years. Nice to see someone else like them too.
@@clwest3538 Tumbling and giving away 50 hand sewn little bags with bats prints and eyes with polished rocks! Parents take the bags also. so rocks are more than a kids thing. I went to a garage sale looking for fabric to make the bags and I now have 6 stones they wanted tumbled! Great to make new friends!
I think humans thrive when living to a routine, certainly I do even in retirement. I get up daily between 5 and 6am (without alarm clock). Get out the door by 7am to do stretching and yoga every morning on the beach and then every other day I go to the gym on my motorcycle 8km from home on Phuket island. This keeps me motivated and hopefully pretty healthy into deep old age.
Whats your monthly cost of living there?
Never having had hobbies while in my working years I was at a loss as to what to do with so much free time in retirement. My husband doesn't like to travel and spends all his time in his workshop restoring vintage tractors. I decided to buy a tiny travel trailer and go on adventures by myself. That filled a few weeks of the first two years but then I needed more. We have a wildlife pond so I started setting up a game camera to capture the swimming bears, bands of raccoons, foxes, skunks etc. I created videos for my Facebook friends and they loved them so I started making TH-cam videos as well. The time I spend editing from the 3 cameras now absorbs most of each morning! After posting the videos I walk 3 to 5 miles on my treadmill to stay in shape. I feel like I've found a retirement routine that I'll enjoy for many years. As a childless couple, we make up for not having children and grandchildren by hosting long distance hikers in our home. We live near the Pacific Crest Trail so 6 months out of each year there are hikers from all over the world passing our town. We have many "kids" now and one has become so special she stays with us each year that she comes (from the EU!) to hike the Sierra. I didn't plan any of these retirement hobbies. They just happened because I wanted to keep active and continue learning new things. Retirement doesn't have to be expensive or boring. Just keep your mind open to what's around you. I really enjoy your videos. You give excellent advice!
Hello monika✋🏻
How're you doing?
I’d love to watch your videos. What’s your TH-cam channel?
@@brookemiller7230 Creek House Wildlife Pond Activity
@@marilynmonroe3766 hi
This sounds bad as far as health, but when I was working, I gave myself a reward of a cigarette. I would smoke and drink coffee everyday before work, when I got off work it was another reward. On my days off, I enjoyed sitting outside and drinking coffee and smoking. Then I hit a rock at the park when the sun got in my eyes and it took a month to have insurance get to it all with the repair shop, and it happened the day my retirement started. I suddenly had to walk if i wanted to do anything. Although when at work I stood and walked almost the whole 8 hours, and thought I was in great shape, I found out I was not. So... I started trying to walk farther and farther, which I did, and oddly the reward of smoking and sitting was not as much fun. I started finding other things. It is amazing how much can be seen, or even how many people I talked to when I was walking rather than driving. It was one of the biggest gifts I have ever gotten. I called a quit smoking line and they sent me free stuff to help me quit. It has been that same way with some other things that were rewards after doing some work, like sitting down and watching videos, or playing games on my phone. My goals are evolving as I am discovering life again, it is odd, but even cleaning up some clutter suddenly is fun rather than a job. I have only been retired for a month, but, this is interesting. Thank you for the video, and help you always give! It is interesting seeing you as a karate master, gives a whole new perspective on you, in a positive way!
Geoff, I’ve been an avid crafter and knitter all of my life. About 20 years ago o realized that everyone I knew had all the hats and mittens they needed and I started making these things for charity. I also started buying up a stash - what I call my 401(k)nit plan - of yarns for my retirement years when funds would be more limited. I’ve slowly made certain that I can continue my love of crafting (which now includes crochet and sewing) and found a calling at the same time. BTW, I’m a nonprofit accountant, so the “less money in retirement” issue is a real one. Thanks so much for your videos. They are such a big help!!
Developing a passion for personal, purely creative time & activities - writing, photography, performance, a musical instrument, any of the visual arts - causes a true shift in focus and energy. It's easy; it becomes 'addictive'; it satisfies! Happiness is about opening, feeling unfettered, ready to re-invent !
As we prepare for retirement, we found volunteering with our local honor flight hub very satisfying and life-changing for everyone that it touches. Space Coast Honor Flight provides our veterans with one last mission, in the form of a free trip to Washington DC to see their memorial. Is life affirming and often one of the best days of their lives. I encourage others to find a Honor flight in your area to support, there are 130+ hubs in this country.
Hello Lorena✋🏻
How're you doing?
Schmidt explains these succcinctly, watch the video! But a brief recap:
1. Set new goals
2. Have a daily routine
3. Take care of your health
4. Master technology
5. Pay others to do things you don't want to do
6. Be in alignment with your spouse on money and location
7. Try to fix broken relationships
8. If you want to work, do it your way On your terms
9. Have many interests and passions
10. Stay close (but not too close) to your children
11. (Re)Discover who you really are
12. I guess I missed one?
9.
This is all true said
Thanks
I retired in 2015 and began volunteering in an effort to give back to the community. It’s only a few hours a week, but gives me great emotional satisfaction that somebody in need may benefit from my efforts.
Nice work Warren
I remember canasta from the 60's and all the old spinster aunts HAD to play it
I retired at 57 and have not looked back. I was fortunate that I had the time to help a cognitive challenged brother for 4 years until his passing in February 2022. My wife has been able to attend to her parents more or less full time, one parent who had a stroke and the other with Alzheimers. I have had my own health challenges and really value my time each day. I dont think anyone will ever say they wished they worked harder or another day as they pass from this earth.
Always great content from Holy Schmidt! I enjoy seeing intelligent people with a sense of humor in their portrayal of themselves!
Thanks for some great content. So many channels focus on the $ and not the psychological challenges of retirement planning.
I am about 1.5-2 yes from retirement and focusing on how I can “turn up the volume” on my hobbies and gradually ease out of the full time workforce.
All great advice there Geoff! One more thing to add, remember it's "YOUR" retirement and YOU should decide how it will be. Advice is great...and most times helpful. Reason I say this, my Mom retired in 1998. I begged her to keep working part time to "keep her head in the game", as she was a Nurse Practitioner. She said "Nope, I've worked for the last 50+ years and I'm done working!" This was her right of course, she'd earned it and had prepared for retirement very well. We'll never know if she could have delayed the onset of Alzheimer's by continuing to work 24 hours a month and keeping her skills up to date. But she did it HER way. I hope to emulate that when I retire, except the Alzheimer's part. I will continue to work as long as I'm able and as long as it can be fun. When work is fun, it's no longer work.
My doctor told me that because I play chess online daily, I will never suffer from Alzheimers.
@@angelosliotscos8405 Get that in writing. LOL
I was always involved with arts and crafts, it was my passion. I did woodworking, painting quilting, needlework etc. When my kids went to school so did I and obtained two science degrees. I enjoyed a subsequent healthcare career, but it was always frustrating that I was so busy that I had little time for art. Now that I am retired I turned a bedroom into an art studio and play as much as I want! I have even met some fun people with similar interests.
As I close in on retiring I am seeing how important routine is in my life, and am developing a new one, a work in progress........to be continued
I was looking for places to move as a part of my 10 year countdown to retirement. I was searching for tax efficient, maybe waterfront .. lots of criteria. In the end, I surprisingly decided to stay right in DC area! Lots of people will argue that it’s expensive to live in and not a good place to retire. But I decided to stay for two main reasons: 1) because my friends and family and ALSO new people I might meet have a lot in common with me, and 2) because so very much to do in DC area is FREE! I could virtually go to the zoo, the museums or dozens of festivals FREE; and there are sso very many places to go visiting.
As a DC metro resident, we agree!
I agree. I’m living in California at a time when everyone seems to be leaving the state. I understand all the reasons why but despite the negatives (and there are quite a few) I plan to retire here. Mainly it’s because my children and grandchildren live here, but also because of the natural beauty.
same in Long Island, Westchester and Northern NJ where many of my family has retired. It's a premium quality and yup, costs something but well worth. Close to good airports, live entertainment and healhcare
We love DC for the Smithsonian, and the zoo is fabulous, too. We have been there 3 times.
I don’t want to be unkind. But I prefer you stay in DC. It is likely that if you moved you would continue to vote for Democrats. You are probably a very nice person. I think it’s just best for us to remain separate. I do wish you good luck and good health.
Sanjosemike (no longer in CA)
We start each day by taking a 2 mile walk.
I’m not sure of my destination but I’m very happy with the direction. Since the last time I commented on your channel, I’ve made plans to sell the home that I’ve lived in for barely two years; I’ve moved to another country and I’m happier than I’ve been in a very long time! I’m living in a full service apartment that has increased my living costs but I can easily afford it and I love it! My new country is like vacation land; I plan to spend the coming months/years exploring the city I live in and as much as I can of what each of this country’s provinces has to offer. At some point I intend to travel outside this country and experience as many places and cultures as possible. But I’m confident that returning home from my trips now won’t be boring anymore. Even though I traveled regularly prior to these changes, I was bored beyond belief unless I was on the road. My new home town and country are exciting and make me very happy in my retirement. Thank you for what you’re doing here; it has helped to make a remarkable difference in my life!🙏
I very much enjoy your wisdom for those of us approaching or in retirement. They not only reinforce my existing ethos, but give me thought provoking ideas to enhance my own experience.
Thank you so much for your help. You are the first person who talks about these kinds of things without me needing to have a degree in finances! I have been retired for 15 years but still need your advice and then can also see what I did wrong and what I could do better. I also pass this info on to my kids and friends...Keep up the good work.
I am on the cusp of retiring from full time work, I still plan to work part time.
I love your videos and this one particularly was helpful.
A few things that I'm doing now and look forward to doing in retirement. Bought a good digital camera and lenses. Photography was a hobby of mine when a teenager. With digital a person can take a thousand pictures to get that "one". Delete the rest and start over. Computers and software make editing pictures easy.
Another joy I have is mountain biking. Yes, the initial investment in a bike can be large - thousands of dollars. It's therapeutic for the mind and healthy for the body.
I really loved the personal nature & topics of this video --beyond 'money'
I retired at 57 did not work four three years. Started driving a school bus. I’m now 71 plan to keep driving till I can’t drive anymore. Love the structure in my life and the extra pocket money helps.
Martial arts are a great way to keep fit, raise awareness, and confidence. Just to name a few of their attributes. Many styles are soft, focus on breathing, movement and stretching. Don’t think Bruce Lee… punching , kicking and blocking. Unless your into that… think more of a graceful Tai chi master that flows with the universe. Especially for us over 50 crowd. Learning can be inexpensive, fun and very beneficial. You tube is a good resource and many instructional classes are offered in tai chi, qigong, and my favorite aikido. Just thought I’d throw it out there for anyone looking to fill some time in retirement. Mr. Schmidt kudos to you for your videos !
I started Ham Radio a few years ago. Great hobby. Socializing on both remote and face to face, plus enough technology to keep all the gray matter working. All important in retirement. Check out some of the clubs near where you live. Chances are you will find a welcome community who will help you get started. Best thing is that you get to communicate with like minded folk over your radio.
I have been learning how to do family history. It is turning out to be a lot of fun. Example, I found that my stepfather who I was close to, his direct line married a “Quincy”. Her sister married John Adams and they had a son, John Quincy Adams. Those finds are exciting. So I agree with keeping a routine after retirement.
Whoa, a self defense instructor! You're just full of surprises! 😊
Thank you , Jeff Scmidt. God Bless you. It's a pleasure to listen and learn from you we enter this phase of our lives.
Learning social dance in my 20s has been a lifesaver for my mental and emotional health. It is also a never ending physical and social journey I hope to continue into retirement ... and maybe beyond
what does beyond retirement mean
Great video. Positive and happy thoughts 🌞🏝️🌞
Such insightful analysis, as always. I am about 10 years from retirement, but I am a big planner, so I have been looking ahead to that chapter for a while. I have a lot of things I want to do in retirement, so having a routine will be the easy part. The challenging part will be building an adequate nest egg to fund it all. I am well on my way, though.
I really enjoy bicycling on rail trails. In retirement, I hope to visit a bunch of new rail trails around the country. That travel might cost $, but the trails are free!
We golf at a nearby golf course m-th. We walk 3-5 miles per day, we read, do puzzles, row and garden. Winters call for a little more creativeness.
Hello Ann✋🏻
How're you doing?
We heat our home with firewood which I cut off our woodlot. I cut extra and sell it by the bundle.
That kind of hard work will keep you young for a long time!
Yes very fine list.Slowing down is the most difficult.
Hello Deborah ✋🏻
How are you doing?
You are always full of wisdom and a pleasure to view.
Thank you once again. 🌹
Great content! I’m an avid fan of billiards. It keeps the mind sharp as offers minor exercise. Anyone from 9 to 99 can play..
Great video Geoff I watch your videos all the time and appreciate all the work you put into their content. Thank you!
Hello Laurie✋🏻
How are you doing?
Geoff has given me a lot to think about, he’s one of those people most of us admire and appreciate. Looking back over my life I have a lot of regrets, way more than I can even count. But despite being in very difficult situations I eventually worked my way to success and financial independence. So there’s that. Now what?
We’re busy in retirement doing things we’ve always done and things we’ve always wanted to do.
This is the life! However, my spouse wants to continue to live in our urban home while I’d like to move to the coast in a much smaller town. But, compromise is part of all successful marriages, so I’ll simply adapt.
Canasta is a lot of fun. When I was a kid my family played a lot of card games. Canasta being one of them. My favorite is a game called Pedro. Has anyone else heard of it?
Another great video. Thank you
Geoff, most of your plans assume the retiree owns their home. Unfortunately, as a single person, I have always been priced out of the home buying market. I am 60 and my biggest retirement worry is how to estimate my future housing costs for a retirement plan budget. Any tips in this area?
Long time viewer/subscriber. Always love your tips and humor. I’m still waiting to see if you can straighten your arms. 😊
Canasta game is part of the Dolce Vita and is play by those that invest in life .
Always enjoy your videos. I noticed when this channel first started it didn’t seem the focus would be so much on retirement as entrepreneurship tips? That was my take anyway. I wonder if you might consider doing a crossover video, on the popular topic of “what you are retiring to”, that discusses pros/cons and tax implications of retiring after a long career with an employer to pursue a hobby business? Thanks and please keep up the great work.
This video topic made the most sense to me out of all them. Very helpful. Thanks.
Really enjoyed and appreciated this email as I'm rapidly closing in on retirement.
I would dearly love to retire in about 5 months when I hit 62, I don't see that as financially viable, especially with the way things have been going with my IRA the last few months. It pretty much looks like I won't be retiring until age 70. Not happy about it, but I am resigned to this fact. Having a routine is a great idea. I was a teacher for 20 years and during my summers off I kept productive and busy (happily) because I had a routine. The same when I was unemployed a couple of years ago, no thanks to Covid-19, and it helped me stay motivated instead of sitting around thinking woe is me.
My happiness is diminished. Medicare part b will be $170.00 a month for 2023. Please tell me how in the world can we afford this? Most seniors are on a tight budget..
Hello Cheryl✋🏻
How are you doing?
Lots of wisdom here Geoff! Thank you.
Such wisdom! You hit the mail on the head on all points!
As retirees we work hard to stay healthy and stay in shape.... Most of the the retirees we know do the same. Generally retirees with sufficient resources are very likely to work at their health....BTW, Our happies are volunteering and traveling....
Funny, when I was a kid my neighbors and I would go to a local course and a couple of private courses at night and walk the creeks in our bare feet and find golf balls. Maybe I'll start up again in retirement .
That was from the heart.👏
Once someone becomes use to using a smartphone if you're into nature there are apps which cost nothing that can identify trees and flowers. Photography with a smartphone, there are no cost apps to process the photos as well.
I agree have a plan and occupy your life although maybe some people just want to wake up late and watch TV.🙂
Hi
What a great overview. Thank you.
Really enjoyed this video, thank you
I am learning how to sail. My goal is simply to get good enough to take one or two friends or family members out on a lovely day. Nothing big or fancy, just a rented day-sailor boat
Hello Lori✋🏻
How're you doing?
Best part of retirement is the stress is gone,,
I regret not having spent more time at the office.
Hey
said no one ever
please explain the decrepit bookcases behind you...are you stripping them?
We retired 5 years apart. I am now 62 and he is 70. We built a new home but all the homes are sort of the same. We have an upstairs that has about 1300 square feet. We go up four times a year to clean the filters and clean. The space is never used. Being a gay couple we did not decide to adopt. We do not want to rent out but it would be perfect since it has a separate entrance. But we love having three bedrooms on the main (one converted to nice office). Paid cash for the home.
@Holy schmidt+①⑨⑦③⑨②⓪④⑦⑦③ not sure on how to do that.
Thx for the vid
Good talk. I’m 74 , never gave retirement much thought when I was working , now that I’m into almost 7 years of retirement, working with things I like and entertain me is the best example I can give those around me. Now that I’m not in a race I can pace myself to take time and smell the roses. I have always believed that having enough money is important, but it does not equate to happiness, it gives a bit of independence and maybe time to think about more important things. Showing off is definitely not one of them.
Key drivers of health...diet(mental/physical) and exercise...period....no doctor...no meds...no health issues now due to adhering to diet/exercise.
Pay for the Geek Squad. It is well worth it!
I'm going to retire in just under 3 years and I'm going to go to culinary school when I do just for fun.
Money aside... Location is a HUGE problem. Maintaining 2 locations does not work for me. She has a different view. Will come to a head soon.
My wife's spending on credit cards is absolutely out of control. She ran up 31000 on credit cards over 3 years. I think I might have to divorce to break away from her. She has been following the same pattern her entire adult life, and I have no idea what the money was spent on.
Move to the Philippines
I counted 10. How about a list in the description or commens.
Age sucks , but being alive and relatively healthy makes me happier than a dog with two tails. Maybe if I could win the lottery and give the ticket to my wife , it would make me happier.
Holy Schmidt I think Geoff has a wood refinishing project. 🙂
The trouble with “doing nothing all day” is that that is all that is left to do. No one has expectations of you or needs you to do something for them. Inventing tasks or activities just to make a schedule or keep busy seems ridiculous. If one at least sleeps in it has the benefit of reducing the number of daylight hours one needs to fill with something.
well said and true! It is gone, we lived through the zenith of our time. The corrupt government will take down this country like what happened to Rome. My condolence to anyone approaching retirement who may have concerns over whether your pension pot will stretch to cover the rising costs of living. Bad energy policy, bad foreign policy, bad regulatory policy, and insane fiscal policy.
50 and retiring early. I'm really concerned abt the future in all aspects of where we all going, in this breath finances ; how to stay afloat. I'm thinking about investing for the first time in the capital-market but how can i achieve all that given that the market has being a mess most of the year?
@Eve Gray Please how can i reckon with such a skillset? I'm seeking a more effective investment approach to my savings, putting it to work because its getting killed due to inflation.
@Eve Gray Cintra really seems to know her stuff. I found her online page, and read through her resume, educational background, and qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her.
This was first said at the founding of the republic 235 years ago. If you think the government is corrupt now, read up on your early American history. The founders, framers, and our early leaders were not the visionary angels they are often described as. Diversification is the key to maintaining adequate retirement income.
Why all the complaints? If you are so unsatisfied with the way things are, change them. No one is forcing you to live in the u.s. People can move out of the states and get their pensions and s.s. Look into it. It may be easier than you think.
Thinking that seeing your doctor and taking the meds they provide will give you a long and comfortable old age is a fallacy.
I read a statistic recently that the majority of retirees take an average of 5 daily medications. Most of these meds are for lifestyle induced conditions.
Heart disease, high blood pressure, non-rheumatoid arthritis, chronic digestive problems and sleeping irregularities are not cured by meds. They simply mask the symptoms.
Just because when you faithfully take your three blood pressure meds your blood pressure is a steady 120/80 does not mean there is no need to eat a healthy diet and make a point of getting regular daily exercise.
Meds are not a free pass to ignore your body’s needs.
In our current healthcare system there is neither time nor incentive to teach patients what they can do themselves to stay healthy.
The information is out there. It is up to the patient to choose a lifestyle that supports health.
Or the long and comfortable retiree future you planned for will just be another retirement myth.
Amen! But big pharma can't survive if doctors acted in a fiduciary capacity towards the patient. Doctors won't tell you to eat right and exercise. They would go broke.
Hi
1. Have goals
2. Have a general routine
3. Take care of your health
4. Mastering technology
5. Pay others to do the things you don’t want to do
6. Be aligned with your spouse on money and location you live
7. Try to fix broken relationships
8. If you want to work do it your way
9. Have many interests
10. Stay close to your children but not too close
11. Discover who you are
12.
An hour in the pharmacy? Why? Thought he was going to say drive to the mall or to a restaurant for lunch.
The pharmacy is their big entertainment, lol. Personally I prefer Walmart and Target.
@@leisure057blank3 I like the pharmacy better…spend less money🤣🤣🤣
My greatest happiness is the $64,000 bi-weekly profit I get consistently from my $15,000 investment.
wow that's very nice Please how can i be able to reach out to your broker, my income stream is in a mess.please
Kindly send a message to him via ASAP he will guide you on how everything works.
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┼𝟭𝟰𝟭𝟮𝟱𝟰𝟭𝟵𝟱𝟵𝟴
☎️美国ကောင်းတယ်⚓美国美国
Spammmmmmm!
Oh look another bot on Geoff's channel.