Things We Wished We Knew Before Retirement
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- เผยแพร่เมื่อ 3 ธ.ค. 2021
- Things to know before retirement, top tips to plan your time to retire, things We Wished We Knew Before Retirement, in the years leading up to when you retire we recommend discussing ideas that will shape your early retirement years. If you are in a relationship have a true honest discussion at what you each want from retirement.
If travel is one of your goals we do recommend you don't wait to travel, the first years you retire will be the most healthy and you are still strong. Travel isn't necessary for a good retirement but lots of retirees do travel because it's the first time that they have the time to travel for longer periods.
Consider your budget for retirement and see if you need to downsize or not, make sure you have the financial resources to have a happy retirement. We enjoy sharing our tips on things we wished we knew before retirement.
#retirement #retireearly #this_is_our_retirement
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It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of investing in the stock market and potentially grow your retirement savings over time.
My BP went way down after I retired. Stress level is like 0-1 now. When you're in the grind day after day, year after year, you don't realize the stress you're under, until you're not. Most people are under so much stress and fear, they have no idea. Great video topic, btw.
You got this! so glad you enjoyed it and found it so true , I(Tina) had no idea 🤷♀️ of the stress till we retired and it stopped . Have a great weekend Cheers 🍷🌺🍺
I SO agree that you don’t even realize you are stressed until you are not anymore! We retired in June last year and I feel like a new person. I wake up so very thankful every single day!
Wow Marla well said that is exactly how it is ! we wake up each morning with coffee already made and no stress life is wonderful Cheers 🍷🌺🍺
One day in February 2011, I work up and made the decision that I had enough of the work environment. I loved my job but the work place was killing me slowly. As a single parent I have been responsible for my self since I was 18 years old. So my impulsive decision to retire at the age 59 was mine alone. Retiring was the best decision I have ever made. The last email message I sent to my colleagues reads
‘Esther has left the building’🤣🤣. “Free at last, free at last”
Thanks for all your interesting topics around retirement. I can relate 💯
Wow that’s great Norm woke up one day at 55 and decided he had enough no longer fun and wasn’t going back to work and we have not looked back . So not only Esther left the building but Norm did too LOL 😂 Cheers 🍷🌺🤗
This is funny message to your colleagues! I cannot wait, I am 51 and my oldest kid is 18 and youngest is 13 so I unfortunately need to work a bit longer, primarily due to insurance and medical coverage for the family. But in 8 years I may be able to. I am in USA. The worst thing maybe by age of 62 for sure : )
I’m retiring in 10 days, at 58 . Yay. So excited to be free of the responsibilities of a management role, dealing with HR issues, getting ready for work every day and everything else that comes with it. I have been working pretty much non stop in my career for 37 years and now it’s time for me and to go on adventures with hubby. Thanks for all of the useful advice.
You are very welcome we wish you a wonderful retirement, it is a great feeling being free and doing things on your own time I (Tina was 58 too ) Cheers 🍷🌺🍺
What is your plan for medical insurance till you qualify for Medicare?
@@TheShopmusic Being Canadian we are covered for everything apart from dental which we pay out of pocket.
hey Dru Bee...happy retirement..im 2 years away from 58 and retiring too. Like you i have major responsibilites in business....ready to just give it all up in 2 years...like you ive been working non stop. So big question is is how is retirement??
After having retired we both realized how we’d slipped mentally. Some stress keeps you sharp! We chose new jobs that we like to do and we enjoy the challenge of learning from young people.
If that works for you that’s great , in our case being retired is awesome we do Wordle every day , play Scrabble, make You Tube videos each week , but in reality totally enjoy the complete freedom of not answering to a boss and living life on our terms. Cheers 🍷🌺🙂
Two things I agree with MOST STRONGLY:
1 - Eliminating stress by retiring or switching to an alternate career in the second half of life is SUCH a blessing! it helps improve your life, your relationships, and your health.
2 - Definitely travel as soon as your work schedule and finances allow! Do NOT put it off forever, because you are so right that health issues can spring up without warning and curtail your travel abilities.
Thanks for sharing your journey in retirement life, always a pleasure to hear your experiences!
Cheers XX Dara
It does make so much sense but surprisingly many people don't get it, and waste early years working, after 65 each year does change your abilities both physically and mentally. Have a great weekend.
@@ThisIsOurRetirement Great video, you two! Thanks for putting these out there!
@@StreamlineFinancial Thanks for watching have a great weekend 🍷 🇺🇸 🍺🇨🇦
I would love to switch to a less stressful career right now(early fifties) but I’m not going to stop the money from piling up while I’m at peak earnings and while my financial commitments have finally gone down.
@@edhcb9359 We hear you it’s very hard to look at and evaluate in your early fifties, as you think you will live forever and never retire, but in reality when you change and retire ,stop working life takes on a new chapter in your life and it’s amazing 🤩 Cheers 🍷🇨🇦🍺
Biggest treat ..post retirement..making a morning coffee ☕. And actually drinking it quietly.
.. not having to run..such a blessing..plus travel of course 😁😁👍.. keep well 🌞
Oh we agree the morning coffee ☕️ best way to start the day , and not have to rush anywhere LOL 😂Cheers 🍷🌺🍺
Another really great discussion Tina and Norm. I have 12 working days left before retirement!!!! My hubby and I are SO excited to start the next great adventure. Thanks very much for continuing to share all your experiences and thoughts. Wishing you both a terrific Holiday season. 🎄
Thats awesome Sherri 🥳🥂🌺 we wish you a great retirement and a wonderful new chapter in your lives for you and your husband.Stay safe and well and have a great weekend Cheers 🍷🌺🍺
That's great!! I am very excited for you both. What are your plans? I retired in June and it has been wonderful.
Wish you all the very best!
The discussion you 2 have.... Make me laugh sssoo loud...
You are so gonna love it . 👏
3 days and counting!
We retired at 54 and have been travelling the world for 11 plus years now and we are still on our travelling years. Never regretted one minute of the journey. Do it while you have health strength and an inquisitive mind. Yearly global insurance, and 3 monthly tourist visa in most countries are the norm these day. Good advice Tina and Norm. 😎😎😎
Sounds like you are enjoying your retirement which is great , we have had 5 wonderful years of travel prior to Covid coming . Have a great weekend Cheers 🍷🌺🍺
How did you manage the insurance from 54 to 65, till you become eligible for Medicare?
@@TheShopmusic Wd are Canadian with universal healthcare
@@TheShopmusic worldnomads private worldwide annual insurance.
@@martincowie4277 what about after age 65?
Great video! I am officially retired this June 16th and am very excited to be done with work. Been working responsibly for myself since 18 and will be 58 at the end of this year so I will say I have had a good run. My wife still has at most 5 years to go but could be shorter than that if she feels she is done with work. I love the idea of selling your home and renting. Have always been a believer that your home is an investment and has served its purpose raising a family. Time to cash in and rent and travel the world. Take care.
We agree with your comment Martin, congratulations on you retirement 🍻
Spot on. My goal was to “remove myself from the rat race” (I don’t like the word retire, I prefer refocus) before age 60 and refocused at age 59. Part of refocusing was to downsize in all areas. Renting an apartment in an area where many things, i.e., eye doctor, is within walking distance and being on the main bus routes and being close to walking and bicycling trails took quite a bit of research and some good fortune. There are planned communities that are designed that way, but fortunately I found a place on my own. The opportunities are infinite, you just have to do research and settle on a plan.
Sounds great like you we wanted to be walking distance from a grocery store , we are on a bus 🚌 route and we have walking trails around a lovely lake 2 mins from our apartment ( complete with gym and swimming 🏊♀️ pool ) we found our place through our own research and so glad we did . Yes we look at it as a wonderful new chapter in our lives to enjoy have a wonderful weekend thanks for watching Cheers 🍷🌺🍺
You are blessed to still have each when you retired. I'll be 68 this October & plan on retiring the end of 2022. My husband of 34 years decided he wanted a divorce just over 5 years ago. He'd met up with his high school girlfriend & went to her, taking 40% of my 401(k) with him. Our house was sold divided between us & I bought a condo & have since paid it off. All of that + age has taken a toll on me & I can't deal with the pressure of my job any longer. While I no longer have the person I thought I'd be with in retirement I do have my children (from 1st marriage) & my grandchildren as well as some lady friends that I hope to be able to do things with. I'm so nervous that I don't have enough saved but it's time for me to take this next step. You're videos have helped with this decision. Enjoy your time together! PS - My dad was in the US Air Force so was born in Emgland then he did a 2nd tour & I went to 4 years of school at High Wycomb Air Force Base. I love listening to you talk! 😉 🤗
Words can’t describe how you must feel Teresa 🌺 but you have your condo paid off and we are so glad our videos are helping you , we wish you all the best for your retirement later this year . Hope you have a wonderful weekend Cheers 🍷🇺🇸🇨🇦😎
I hope it's been an amazing year for you.
Thanks for being a great mom and grandmother.
Wishing a gazillion wonderful things for you in the years ahead!
You deserve it all!
22 months to go - Moving out of Florida heading to Tennessee, do not know anyone, exciting times coming …. Taking Social Security @62, no hesitation on that decision. Loved your comment in regards to not really knowing how stressful your job is, until you don’t have to deal with it, can’t wait for that feeling. I just found you guys, 1st video I watched, absolutely loved it. Thx
You are so welcome we wish you all the best with your new adventure Cheers 🍷🇺🇸🍺🇨🇦
Now that my first full week of retirement is complete and I am enjoying every minute of the stress-free life due to my relocation to a cheaper State in which to live, I especially enjoyed listening to all the points you two lovely people made in this episode, the first one I am watching in my new locale and my new time of life. Love you guys!😀😁
Wonderful! congrats on your first week of both retirement and enjoying Huntington as your new home, we certainly have loved moving to a cheaper area there are many benefits . So glad you are enjoying our videos we appreciate your support have a wonderful weekend Cheers 🍷🇺🇸🍺🇨🇦
I'm relocating to a cheaper state too. I can buy a condo in Phoenix or a house in Las Vegas for the same price. CRAZY!!!!!
Good points again. The first year after retiring, during the decompressing phase, I was a lazy git! And loved it!
Glad you enjoyed watching and we are all different 🧐 we hope you are fully decompressed now and enjoying your retirement have a great weekend Cheers 🍷🍺🌺
Lovely couple
@@Tswift63 Thanks so much have a wonderful weekend Cheers 🌺🍷🍺
I totally agree about the stress. I haven't retired yet, but changed jobs last year. I didn't realize how much stress I had been carrying from my former employment until it was just . . . GONE. . . Great video.
Thanks so much for watching glad you got a great new job Cheers 🍷🇨🇦🍺
Great advice as usual you two!!! We certainly agree with traveling as soon as you can while your health is good. We got so much feedback from older retirees that wished they would have traveled more when their health allowed them too. We have no regrets at all about selling everything and traveling. Safe travels and many blessings to you guys, John and Bev
Thanks for visiting us we agree when we took early retirement 7 years ago we filled our first 5 years with the most amazing trips, Iceland 🇮🇸, China 🇨🇳, many countries in Europe , river cruises and cruises 🚢 to Australia 🇦🇺, New Zealand 🇳🇿, Panama 🇵🇦 Canal , Mediterranean, Alaska and have loved them all with wonderful memories. Then Covid came along LOL 😂 Hope you are both well and enjoy your trip have a great week Cheers 🍷🇺🇸🇨🇦🍺
My plan is to increase volunteering 5 years before retiring so I can get to know more people in community and who knows do some good and gain more friends outside of work and neighborhood.
That sounds like a wonderful plan thanks for sharing have a great weekend Cheers 🍷🌺🍺
What a great video. I took early retirement from the NHS June 2019 and I agree with all you both said in the early part of the video. I'm a mental health nurse and it's true, I didn't notice the stress I was under until the I left and knew I wasn't going back. I now work for an agency in a different area of nursing and although I work sometimes more than full time hours it's less mental draining as I know I can make the decision not to go to work if I don't feel like it. I also travel 3 times a year to Madeira spending 4 weeks at a time. I got no one telling me I have to work at Christmas or dictating when I can have leave, it's like working for myself. I could go on forever but this comment is long enough.
This is the first video of yours that I've seen I'll be bingeing the rest. Continue to enjoy your retirement. 😎👍🏾
Hi Leslie, It’s great to have you watching our videos. The whole stress thing just creeps up on you over the years, we don’t notice it and employers seem to exploit fear and stress. We are glad you have managed to make your work stress free! Have a great week.😀😀🇬🇧🇨🇦
I’m about to retire after 42 years in mental health nursing. It was Covid and more pressure from management that eventually made my decision for me. I used to love my job but sadly I don’t anymore which is such a shame as I feel I have so much left to give. But I realise my stress levels are far worse and like you said I’m fed up of being told I have to work Xmas and I can’t have certain weeks off for annual leave as those with children have priority 🙄 no disrespect but just because I don’t have children I feel I get penalised. Well enough!!! I have 4 weeks to go and although scary I know it’s the right decision
Great points, as usual. My wife and I look forward to your videos every Saturday morning. I think an important term for couples to focus on going in to a major life decision like retirement is "good communication". Also, having a financial planner/advisor you trust can give you a lot of confidence in making these big decisions. See you again next Saturday.
Great points! we are glad you both enjoy watching our videos and we appreciate your support hope you both have a wonderful weekend Cheers 🍷🌺🍺
I just love watching these two!! Such optimism and great ideas shared!! Thanks 😊
You are so welcome! glad you are enjoying our videos have a great weekend Cheers 🍷🌺🍺
Great points to discuss. Thanks for sharing. You guys stay well😊
Thanks for watching, yes a little discussion goes a long way to a happy retirement stay safe and well too Cheers 🍷🌺🤗
Agreed! Life doesn’t end at retirement, it really just begins. We always have to have a life plan of what we want to do.
Absolutely we agree we saw it as a brand new chapter in our lives and so glad we did it early , stay safe and well guys have a great week Cheers 🍷🇺🇸🍺🇨🇦
This is a great discussion. I have tied my self worth to working……I think it’s a trap many fall into. I’m having a hard time with this and feel like I’m stepping into a void. You are encouraging and it’s nice to get your perspective. You are very thoughtful and considerate. I wish you the best.
Thank you Billy it’s not just the money 💰, knowing when to stop and enjoy retirement and remember that your health is so important too Cheers 🍷🌺🍺
Thank you Tina and Norm for these helpful insights.
Our pleasure! glad you enjoyed it have a great week 🍺🌺
I love the quote Tina, "just being accountable to ourselves". Magical concept. My job isn't even that stressful my most measures, but I am SO looking forward to no longer being accountable to anyone except myself and my family.
There is something so indescribable about being self sufficient and loosing the yolk of employment for retirement. Hope you enjoy it when it happens for you.
This a just what I needed to hear today. My coworker suddenly took an early retirement this week. He is close to management and advised me to get out as soon as possible. I was on convalescence leave this winter and realized, to my surprise, that I really can be content without my job. I can retire as early as next year. I'm planning now.
You are so welcome Mary glad your plans have changed and so much for the better , we wish you a great retirement when you’ve done the planning stop as soon as you can . Cheers 🍷🌸🙂
My husband is considering retiring soon and he found your channel. Each night after dinner and before bed we watch one or two of your videos. He finds you two inspiring. We enjoy your banter and sharing your mistakes with us and giving us advice based on your observations of others and your personal experience. Keep up the good work!
Wow LeeAnn that’s wonderful welcome to our channel , all we are doing is sharing our story of our retirement, and if your hubby is considering retiring soon we wish you both all the best . Since we retired we have never looked back it’s a wonderful new chapter in your lives . Cheers 🍷🌺🍺
Another good video. I especially like your advice on building friendships. I find that in retirement it can be easier to make friends because people have more free time. When people are working and raising a family, they are often too busy to want to start any new friendships. I agree that going into a new social situation is a good adventure. Be friendly and there will always be people who are happy to spend time with you.
Very true! great comment we certainly found it has worked for us hope you have a wonderful weekend Cheers 🍷🌺🤗
Hello Jenny
I always enjoy seeing your latest topic. I appreciate you guys.
Our pleasure! glad you are enjoying our channel Cheers 🍷🌺🍺
So agree about traveling! Even though travel is exciting and interesting, it does require energy. We started traveling 18 years before we retired; when our kids were out of college. We were easily staying only 2 days in each town or city. As time went on, we found we needed at least 3-4 days in each place, just to conserve our energy more. Still love to travel, and especially like to spend a couple of weeks in a place just to get that feeling of being part of the neighborhood.
We agree in fact we are finding that when we stay a month or so it’s great as you live more like a local than being on vacation for a week .That's the problem with cruises 🚢 it’s lovely seeing lots of new places but it’s only for a day or even a few hours. Hope you are having a great weekend Cheers 🍷🌺🍺
As always learning with you!
Awesome, thank you! we hope you have a wonderful weekend Cheers 🍷🌺🍺
I love you too. I stumbled across your blog not even knowing how, but I love what you two do. May God keep you both in good health and keep sharing your wisdom with us. Wish I was lucky enough to be your neighbour. You're a breath of fresh air and your kids must be the luckiest to have you as parents. God Bless. Rita from Aussie.
Thanks for a lovely comment Rita we are glad you enjoy watching our videos have a great week Cheers 🍷🇳🇿🇨🇦🙂
It's so refreshing to hear that renting can make more sense than owning. We came to the same conclusion and are currently living off of money from selling a second home. In two years, we'll sell our primary home and live off of that for seven years. The numbers make sense and it'll give us flexibility.
Thanks for watching, we very much enjoy renting and it’s a great feeling having taken the money from selling the house and to have it invested. Plus when we travel you just shut the door and go no worries 😉 it’s awesome Cheers 🍷🌺🍺
Thank you for sharing. Just stumbled across your channel and love hearing your views on retirement. 😀
Awesome! Thank you! and welcome to our channel we love sharing our stories either about retirement or travel have a great weekend Cheers 🍷🌺🍺
Great video guys. Lots to look forward to. Cheers!!!
Glad you enjoyed it we certainly our enjoying being retired hope you have a great weekend Cheers 🍷🌺🍺
Nice to hear what you are and have experienced. We are planning now and we are in our early 40’s. The only negative with renting will be the possibility of the landlord/owner selling the property and getting asked to leave. Downsizing would be a safer option for security.
That’s why we rent from a large corporation, our landlord owns 90 high rise apartment buildings. All our housing costs are contained, no unexpected repairs to fund and no property tax. Thanks for watching we appreciate it.
I really enjoy your videos Tina and Norm. I am 49 (will turn 50 in 2 weeks) and I put in my retirement notice last Friday to my job of 25 years. I have sold my acreage and downsized to a small lot in a recreational park in Alberta where I will build a small cabin. I agree with what you said about friendships, I have met many of my new neighbors and everyone is so friendly. It's going to be the perfect little community for me. I am so looking forward to no more shift work, and no more work stress, of which I have waaaay too much of. It will be like heaven to be retired, just me and my pets. Thanks for all the great tips! Keep up the great videos.
That’s wonderful we wish you well in both building your cabin and your retirement sounds like you are moving to a wonderful new community glad you enjoy our videos 🍷🌺
Hi Tina and Norm. So lovely to see you. So glad you enjoy your lives so much. What a blessing. I put my tree up earlier than ever to add some twinkle to these dark days. Wishing you a cosy day. Take good care. See you next week. 🎄💖🏴🍺🍷
Hi Carol our tree 🎄is up too it looks pretty instead of the huge one we used to put up we got a nice 3 ft pre lit one to put on a table it’s lovely (new traditions ). At the moment we are enjoying a mug of hot apple cider which is really nice. Hope you are staying well and enjoying your weekend Cheers🍷🏴🎄🍺🌺🇨🇦
Love you guys, we have done the exact same thing. We have travelled to all the places we wanted except for one. It is still on our list when travel is comfortable again. Also, we hear many times that we are crazy to rent but we are so happy we sold our house, best thing we ever did!!!!
Yes like you we are waiting for travel to become way more comfortable without all the restrictions, friends thought we were crazy too with renting but it’s the smartest thing we did just love it . Cheers 🍷🌺🍺
Excellent advice! Thank you.
You are so welcome! we hope you have a wonderful weekend Cheers 🍷🌺🤗
Brilliant video. Thanks very much for sharing. Really good points that I wouldn't be aware of!
Glad it was helpful! have a great week Cheers 🍷🌺🍺
I really enjoyed the chat you had with us, very informative about the social and mental aspect of retirement...thank you
Retirement is wonderful you need to grasp it with both hands 🙌 and just enjoy it have a great weekend Cheers 🍷🌺🍺
Thank you for another helpful video. My wife and I are working our way through many of these issues-especially downsizing to an apartment.
Our pleasure! all we can say it’s worth the effort of downsizing, free yourselves of stuff and move to a smaller space. With renting you can’t believe how much stress disappears you just start to live and enjoy your new chapter in life Cheers 🍷🌺🍺
This was great advice, thank you for sharing!
Glad it was helpful!
I am in my very early 40s and so glad I found you guys. I'm definitely subscribing.
Awesome! Thank you! welcome to our channel 🌺🙂
Your new camera and background setting are so much better. The image is really bright and clear.
Much better!
Thanks so much for noticing and your compliment, we have been experimenting with our new studio glad you like it have a wonderful weekend Cheers 🍷🌺🤗
Great video. I’m ready to make a change at the age of 63 from a stress filled sales environment to retirement, I really don’t like the word retirement because I want to change my contribution to something that will be far more less demanding and beneficial for my age mentally and even physically. I’m so glad you all came to my video feed. I’m a subscriber. Have a nice day Norman and Tina.
Great that you have a plan Robert, we really hope you find what your looking for! Thanks for joining our channel we both appreciate it.
WOW! Nice to see you Norm. Remember me? Congratulations on your retirement. 8 years to go for me. I'll keep watching your vids.
Yes Mark! How could I forget Universal. I retired at 56 and pursued photography. We hope you will have a great retirement. Thanks for saying hi, hope you and your family are doing well.
Good insight Tina into being accountable to self only. The best way is to own our own time in life. Thank you for this insight.
You are so welcome! it is great to be able to do what you want when you want Cheers 🍷🌺🍺
Thank you for posting this helpful video
You're welcome glad you enjoyed it Cheers 🍷🌺🍺
My wife and I watched a lot of videos on retirement, mostly about Dos and Don'ts, finance decisions, and the big question "How much Do I Need". This is so much more enlighten than I would of though. Great video and great advise. Thanks
That is awesome! we glad you found it both helpful and enjoyable hope you are both well and have a great week Cheers 🍷🌺🍺
ALWAYS wait for your videos, at 58 they are very helpful.
We appreciate that Adrian have a wonderful weekend Cheers 🌺🙂🍻
Thanks for the friend discussion . It has reminded me to get involved in a club, that when I was working I couldn't go to the evening meetings. Time to join again.
Smart move living in a small town. Expenses are so cheap here in a Wisconsin small town. The more technical items I need for my hobbies I just buy online. The only down side I had lately is my projects are progressing faster than the parts that I ordered!
We are glad to have reminded you, retirement does give you time to reflect on what’s important. Thanks for watching our video.
Great tips sledgehammered that like button stay safe awesome and blessed enjoyed and shared
Thanks, you too! have a great weekend Cheers 🍷🇺🇸🍺🇨🇦
Your view of stressless life and lack of accountability is a beacon of hope. Keep the videos coming!!!!
So glad you are enjoying our videos , we enjoy making them to help others with our stories Cheers 🌺🙂
The first video I've watched from you. I'm still working but thinking about retirement. I really enjoyed this.
Welcome aboard! glad you enjoyed it and welcome to our channel , we are so glad we took early 6 years ago and haven’t looked back Cheers 🍷🇨🇦🍺
You guys are great and a wonderful couple! Thank you for such good advice! Best to you!!
Thank you so much! Happy New Year Jay hope 2022 is a great year wishing you Health and happiness Cheers 🥳🌺🥂
Thank you for starting this channel and sharing all this knowledge. So many of us in Canada are immigrants and/or don't have people in our lives who are transparent with money/retirement talks like this. Thanks so much!!!!!
You are very welcome Jade , we are so glad you enjoy our videos we appreciate your support have a great week Cheers 🍷🌺🙂
Excellent topic! Especially how your social network changes after retirement...so true. You essentially have to reboot your social life and start connecting with new people outside of work . I've got a lot of work to do in this area unfortunately...and covid doesn't help!!! Stress is another major factor which slowly undermines your health and well being over time. Congrats on making the jump early to enjoy a happy retirement....looks like you two make a great team and have things well figured out. Tuned in for next weeks episode :) Take care 🍻
We fully agree with us moving to a new town we have made a whole new group of Friends it’s awesome , thanks for watching glad you enjoy our videos we appreciate your support have a great week Cheers 🍷🌺🍺
Thanks for sharing your wisdom.
Glad it was helpful!
Well said. Thoughtful. Candid. TY Wm. From Vancouver
Thanks for watching glad you enjoyed it Cheers 🍷🇨🇦🍺🌺
. Thank you both for your advice. You are both great advisors.
Our pleasure! Thanks for watching Laurette have a great week Cheers 🍷🌺🙂
Love your channel! A Real Canadian couple on retirement. Thank you for sharing 👍😀
Thank you that is very kind 💕
I love following your videos and advices. You guys are awesome!!!!! 👍👍👍
Thanks so much! we appreciate your support have a wonderful weekend Cheers 🍷🌺🍺
Fabulous video guys! Hope you are both well.
Glad you enjoyed it , we are great thank you , hope you are too and having a nice weekend Cheers 🍷🌺🍺
It's hard making new friends as an adult but maybe it will be easier when you are retired.
It can be difficult making friendships, Tina is very outgoing and helped over the years make friends, but in retirement we find people are more open to making friendships, possibly because we have time to enjoy friends.
Hi
I don't work, 40 years old
I love my apartment and staying home
I have a million things to do but i spend most of my time watching TH-cam and reading comments sections while taking notes with pen and paper
I live alone.
What i wanted to say is, there's a million things to do, places to go, people to talk to. It's every day of the week.
I also chat to neighbours
Regards
Thanks for sharing Cheers ☕️🇦🇺🌺🇨🇦
Some really good information, thanks!
Thanks for watching Matthew have a great weekend Cheers 🍷🌺🍺
AMEN to that, I totally agree with you about the lack of restrictions, and restrictions that you are placed under at work. One of my former bosses, actually asked me to come back. I told him that it took me 34 years to get out of here, I'm not going back.
I find that the people who complain about their spouse getting under their feet, are most likely those people whose spouse was either not ready for retirement and/or was forced into retirement because of work related cut backs and also does not have any outside interests.
Ms. L. Churchill
Good points 🧐 we agree thanks for sharing we both love being retired and glad we did it early , have a great week Cheers 🍷🌺🍺
Once again this week, more good retirement stuff to consider ! For me, though, retirement was not exactly a "lay my burden down" moment. I tended to look for new things to be stressed about - like health and longevity. I'm trying (with some success) to adopt the "Que Sera; Sera" attitude.
This is your new chapter in life with no stress LOL 😂, try to focus on the things that will help you relax and enjoy 😉 Golf, swimming 🏊♀️ Yoga 🧘♀️ look at each day when you see the sun rise and then that wonderful sunset 🌅 life is great Cheers 🍷🌺🍺
Great advice. Thank you.
You are so welcome!
Thank you guys so much for sharing your experience, you have given some great advice. These videos are so valuable. Keep up the great content 👍
Our pleasure! glad you are enjoying them 🍷🌺🙂
So happy to see you visited St. John’s Newfoundland! I hope you had a wonderful time!
We did! This was the second time, we had spent a week there and toured around one of our favourite trips. Thanks for watching, have a nice weekend.
Thanks so much for all the great tips. I still have a long way to retirement but it's so helpful to plan ahead
You are so welcome!
Another wonderful conversation - I find myself looking forward to these each Saturday. Isn't it intersting the way happenstance, or coincidence can alter your lives. That fellow comes to your home, and from him, you learn about an entirely different path your lives can take. I find that fascinating. As for stress free, my nightmares and recently developed migraines disappeared when I retired. That is when I realized they were all job stress related. To quote you: I was shocked :) ;) Thanks again and keep safe.
We love seeing you each Saturday, yes if you are open to consider something new your lives could be so much richer , when I (Tina) worked I took Advil like smarties LOL 😂for headaches and went for massages once a month for the stress had no idea it was the job ! when we retired and moved to the apartment don’t need either 🧐 so here’s to retirement Cheers 🍷🌺🤗
@@ThisIsOurRetirement Wonderful. So glad you were able to get along without need for the pain relievers and massages. Cheers to you too.
Life is much better no stress 🌺🍷
OMG! I am so glad to have found your videos, the timing couldn't be better! I am a nurse working in corrections for the last 15 yrs. (TALK ABOUT STRESS!) I turned 60 last year and am wanting to retire at 62 (hubby says I am going at 62 no matter what, he's 10 yrs older and has been retired for a while now) but I have so many things going through my head about if I can really manage it or not. I know I would have retired "yesterday" if I thought it was feasible. Hoping to learn a lot from your experience!
Welcome Julie we are sure your job is incredibly stressful, we have just done a video called “Reality of Retirement “ perhaps if you watch this together with your hubby it might make you reconsider and think about retiring now🤔. You can’t buy Health or time back ,Tinas job was very stressful and now there is no stress we are talking from our hearts just telling our story, we wish you all the best but if you can find a way do it sooner you won’t regret it Cheers 🍷🌺🍺
@@ThisIsOurRetirement Thank you for your words of encouragement and believe me I take them straight to heart! Your statement about not being able to buy back health or time is hitting home like never before. As of last week, a new development in the equation. My brother (who retired just last October) suffered a fall and was taken to the hospital. Long story short he was diagnosed with bilateral lung cancer with extensive metastasis and was discharged home into Hospice care. Since last week our family has been trying to provide his care at home for whatever time he has left. It is adding even more stress to an already stressful life as a correctional nurse. Again thanks for your words of wisdom. Take Care
Always enjoy your videos with tips and recos as we start to plan our retirement. We’re definitely like minded wanting to travel right away (when this new variant settles down) but what we’re struggling with first is where to move out of our downtown Toronto home, seems like no where is “cheap” any more especially since the pandemic with lots of young and old folks relocating to the outskirts. If you have any suggestions would love to see a video on that subject. Happy holidays to you both and keep your videos coming, learning so much!
Thanks so much one suggestion is drive an hour and a half from Toronto in each direction and check out the smaller towns , you will find them a lot cheaper . Also depends if you want to buy or rent ,we are very happy renting good luck with your plans Cheers 🍷🇨🇦🍺🌺
there are lots of great places in Canada that are cheap...we bought in NB...summers are basically the same as Toronto and prices are so so much better. I have been telling people this for the last 20 yrs...what we own in NB is priceless and we paid a tenth of the cost as you would in and around Toronto...consider elsewhere in Canada,,,there is "cheap" out there
Thank you Tina and Norm, I'm 60 and do wonder what retirement will be like. I have always focused my life on working and have few hobbies if any outside of reading and going to the gym. I'll have to really think it through.
It’s surprising how your days get filled up and your interests change. Definitely you do need to plan it out and just give it a go…heck how about a TH-cam channel lol. Thanks for watching.
Good job my dear friend, big like and have a happy sunday 👍😁
Thank you! Cheers Edu enjoy your weekend Cheers 🍷🇪🇸🍺🇨🇦
Very thought provoking content. So many things to consider. We both have a few years, but are getting prepared.
We are so glad you enjoyed it , now you have time to do a plan thanks for watching Cheers 🍷🌺🍺
You are so right about " on your own time" but let's face it, we have to make a living first!
Shame we can't retire first lol, yes we have to put the years in. Thanks for watching.
Great video. Husband and I are considering this too. He's already retired (6 years) and I will likely do so in 2 years. We have no family connections or obligations so can stay or move anywhere we want! It's hard to decide if we want to sell the house and get a smaller place (rent or buy). I'd like to spend a year staying in different places for 2 months at a time so we can get a feel of each area before moving. It's easy to stay in short-term housing, or Airbnb type places and either rent out house or sell it and store our stuff (after a massive purge). I've worked in tech for 30+ years and am so ready to get out and done with the stress and drama. I've lived to work and barely know what to do with myself after retire.
You have a great plan! We hope you try it out and found the perfect place for you both. Thanks for watching and sharing your ideas.
I agree. We retired young at 55 and always found something to do. You're right about stress free living. I volunteered a day a week in my community and that was a good transition. Also good to travel when you're younger with changing health yes.
I'm so thankful for five years cruising. The housing is a great tip. We're in a patio home on one level which can do us as we age but I know some people start renting for ease of settling the estate later. Lots of things to consider. Good one about Looking for friendships.
Hi Rhoda volunteering sounds like a great idea , we are also so glad we travelled crazy in our first 5 years of retirement we did many cruises 🚢 to Alaska, Panama 🇵🇦 Canal , Australia 🇦🇺 New Zealand 🇳🇿, Spain 🇪🇸, and many others , places that now with all the Covid travel restrictions we wouldn’t be able to see .
Interesting point about renting to ease settling of estate , our main focus was to sell and invest the money 💰 to enjoy our retirement. Have a great weekend Cheers 🍷🌺🍺
Yes honey
Just came across yalls site😊 so glad we did , enjoying your videos. Keep up the great videos.
Awesome! Thank you! welcome to our channel Joanna hope you have a great day Cheers 🍷🇺🇸🍺🇨🇦🌺
I just so enjoy my Sunday morning cup of tea with you two. Such an amiable chat with valuable information. I have to agree with Dara ( Magenta Otter Travels) too and her two points. Not having someone look over your shoulder every day. Not to be at someone's beck and call and being answerable to someone for your time and input, oh the BLISS of it all. One generally doesn't experience the feeling I'm sure, unless the job isn't suited to you, until the freedom of retirement knocks on your door. It still surprises me the number of people who fear retirement. Embrace it. You are your own employer to plan and execute the daily routine and content. You tell the story so well. Yes, we moved to our apartment before retirement, yes we do now travel ( working around Covid) and we can set our own pace in our morning routine. Like I said, BLISS is GOOD! 💖 🙏 🚢🛬✈️🏕🆓🗒🛀🪙🍷
Wonderful comment thanks for sharing and yes retirement is pure freedom to do everything whenever you want to do it at your own time and pace 🌺It is a shame that so many people fear it rather than embracing a new chapter in their lives. We hope you are enjoying your 🍵 tea and have a great Sunday Cheers 🍷 🇳🇱 🏊♀️✈️🚢🥂🌼🇨🇦
Not sure how your channel made it into my feed, but I enjoyed your video. Congrats on your retirement! I have eleven more years to go; but look forward to the opportunity to travel more.
Thanks So much for watching
Hi. We both turn 60 in the next year and anticipate working a few more years. So glad that I came across your channel. I must subscribe! Thank you.
Wonderful! welcome to our channel Joan have a great weekend Cheers 🍷🇺🇸🍺🇨🇦🌺
Very informative, thank you!
Glad it was helpful!
Thank you soo much...I love to hear the testimony
You are so welcome have a wonderful day Hydie Cheers 🍷🌺😎
The genuine smiles and excitement you guys bring, makes watching your highly informative videos even more fun. Thank you!
Thank you so much glad you enjoy them have a wonderful weekend Cheers 🍷🌺🍺
So helpful! Thank you.
Glad it was helpful Jane!
Norm"s hair dresser-barber costs remained unchanged as has mine!!! CHEERS from the Westcoast!
That’s too funny 😂hope the Westcoast 🇨🇦 is having some nice weather 👋🍷🇨🇦🍺
You know we never thought of moving somewhere less expensive but this video has got us talking. Thank you.
It has definitely worked for us Sandi , we also used to live in the Ottawa area as an idea 💡 you could sell your Condo move to a cheaper place and rent then invest the money 💰 to give dividends or interest . Have a great weekend Cheers 🍷🌺🍺
Pleasant video. Thank you
Glad you enjoyed it have a wonderful weekend Cheers 🍷🌺🍺
Thank you Tina and Norm
This is soooo important conversation with your partner. We had a conversation similar to this and I will share it with you because your channel has helped us.
We chose a retirement date and wrote down a plan
Pre retirement 1-2 vacations 4-5 times a year once every 6-8 weeks in the winter
Stage 1 discover the world travel many places less than 3 months in one place, keep our house keep our cars
Stage 2 --3-6 months returning to Canadian in the summers … sell the house and buy a home in a small town or have a year lease on a apartment have only 1 car
Stage 3. Full time somewhere warm sell house stay with our kids when we visit Canada give one of our cars to the kids and we can use when we visit.
So when conversations come up we say oh watch stage are you talking about.
Sounds like you have thought out a great plan thanks for sharing , hope you have a great week Cheers 🍷🌺🍺
Love this video!! I retired just before the lockdown and that is a whole other kettle of fish in terms of lasting workplace relationships and even personal ones. If I had to do it over again, I would still retire exactly when I did!! Happy retirement /retirement planning to everyone!
We hope you are enjoying your retirement and yes lockdown certainly has made things more difficult for us all but we are sure glad we retired when we did . Have a great weekend Cheers 🍷🌺🍺
One of your best videos...so inspiring
Wow, thank you Thomas glad you enjoyed it Cheers 🍷🌺🍺
Great video and look forward to your video on how/why you became expats. I know a few people are asking about where to find cheaper rents and with us coming from UK in 2020, I had been researching for a good year before and with my Cdn/UK status and having lived in Cda for a number of years, I researched prices in all the areas that gave me the landscape I was looking for. Climate was important so anything north of the 401 was iffy. It does take time to do the research and a few visits and to visit with the idea of living there and not as a visitor ❤ what you both said about chatting with the Home inspector and picking up ideas from a stranger brought up another subject of 'having an open mind' that was a tough one for me but proved to be invaluable as well. Enjoy your week and stay safe❤
Yes living somewhere or being a visitor is very different and its amazing how many people can’t or won’t even consider a new idea that might make great sense for them , we hope you are enjoying living back in Canada 🇨🇦 we love it Cheers 🍷🇬🇧🇨🇦🍺