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As usual, Dave…great, useful vid.

Love this!

Thank you. My wife died on active duty Navy in 2014 and is buried in Arlington National Cemetery. I retired a few years later. I am retired from nearly 30 years on active duty in the US Navy. I worked for a few month after, but decided at the age of 61 that there was more to life. Now. I am doing things that I want which started in the Navy…visiting nearly 100 countries. I have a couple of things on my bucket list which I am sure that I can complete in the next few years. God bless all of you.

I'm so ready, today was my last day! It's a little scary but I think less stress will improve my health. I agree completely with avoiding negative people!

Just stumbled onto your channel. All sound advice and I'll be watching your other videos.

*Love this.* I have similar conversations with clients about the amount of news they are consuming... at some point, it's just not healthy!

Why don't any of these retirement channels mention part-time work? Lawyers, doctors and other professionals have this option. I do. I LOVE IT!!!

Stop eating carbs !

That was an impressive list. Those last three in particular hit the nail on the head. And you made some great points I've never heard made by a wealth manager before. Well done. If I had one _slightly_ critical note, it would be that--as is almost always the case with these retirement advice videos--it's aimed mainly at people for whom the amount of money they've saved is not a problem. Which I can understand. I mean, if you're a financial manager, who do you want as a client? That guy with the big pile of money, or that guy with the small pile of money? That said. . . great video. Great advice.

I Want to work till I'm 70yrs old.

Understood

Clarity, my circle of families and friends got smaller and of a higher positive quality

Nice to hear from someone who is reasonable. You’re not gonna live to 100. Don’t be the richest one in the cemetery. Retire as soon as you can.

Well said. Mind you: the business cycle hasn’t been repealed. What’s more there’s good empirical evidence for “secular” cycles, Shiller 10 and 15 year p/es and so on. But “gloom and doom” isn’t a sensible basis on which to construct an appropriate investment strategy.

Time is the greatest commodity out there. You can always go back into the workforce and make more money if you have to but you can never make back time.

My life in weeks needs a defrag

I slowed down my work schedule at the age of 52, slowly reducing my work schedule to 15 to 20 hours per week. I fully retired 2 years ago at 59. It was a very good decision. The best is to wake up early especially during the summer, have my coffee outside, read the paper and then have breakfast with my wife. Then I ride my ebike for 30 miles on beautiful bike trails, come back home for lunch. Afternoon at the pool with friends at the condo. I liked the life satisfaction chart that you showed, my life satisfaction followed exactly the same path as the chart. I will also remember what you said about having regrets. I need to forget about past mistakes, we’ve all made mistakes and we need to forgive ourselves and look forward to many beautiful years to come.

Perfect timing for me to view this video! Today I am retiring after 23 years in accounting. I am 61 and so happy to walk away from the deadlines and daily stress. I love my job but the stress is too much. We have been savers all our lives and it is time to walk away and into a new chapter! ❤🎉

thanks

I plan to retire at 65. That's two years ago so I better get saving!

So this guy assumes everyone is making 12% every year. 😆

Excellent video I can identify with everything you mention. Greetings from the UK

Just retired at 70. Adjusting to not having to do my own car and house is hard. We have the cash but still have the cash struggle mindset. Thanks for this video.

I retired from my job at 56 and I'm now 60. I still have a young daughter to look after and I am thankful for having the time to spend with her.

I retired at 67 and love it. A number of my friends have not retired because they struggle to find meaning in their lives outside of work. I cycle, travel, cook for homeless folk, enjoy music concerts and manage my investments. I have no regrets and at 72 enjoy the freedom. The trick is to make sure you have meaning and purpose.

I just turned 60 and am earning over $800k/yr. Never imagined this and am truly blessed. It is very hard to walk away from this

I am 72 and love my work and value I can add to those around me. I still feel like I have a lot to give.

Math is incapable of lying. Holler if you hear me

Your approach to disagreeing with Dave is with grace, to say the least. You will be on the right side of history and considered a gentlemen. Carry on!!

You're not "nerding out too much". Great information, but as important, your attitude and concern come across as sincere. Priceless. Thank you.

Semi retired at 48. Fully retired at 51. Best decision ever. Time, time, time.

I'm 53. I have recently reduced my hours. I would rather be time rich rather than constantly chasing greater wealth.

Spelling mistake on your caption - it says “…people who don’t UPFLIFT themselves”

I’ve been retired for six years now. I retired early and moved to Mexico into a retirement community. This is the most important video on CZcams today. Everything you said is spot on. I have never seen a placed in such a concise manner. If this information could be spread, retirees problems would be solved. Thank you.

Great information, might reach out for advice.

Great points. Thank you

Every single day I am trading off health for work at this point.

Great perspective. So true!

I wonder how the greatest generational wealth transfer is playing into when people might retire.

54 and think more about health and time than money.

I really struggled adjusting to retirement. So much so that I actually went back to work part time for a year. Now I am officially retired and have found that joining a gym has really helped me. I have never had a gym membership in my life but my Medicare advantage plan pays for it so I thought WTH. I get up every morning get dressed in my work out clothes and head to the gym. It gets me up and out of the house and then while I am out and about I run my errands. Besides feeling healthier with my work out I have a routine and by the time I get home I already feel like I have accomplished so much. Also we had our first grandchild arrive end of last year so that keeps me busy too. Retirement life is so much better! But it is a huge adjustment. Be kind to yourself if you are struggling like I did. It really takes time to settle into your new life.

Great show. I do all except fitness.

68 and still working full time operating NASA spacecraft; a job which I generally enjoy and which Im held in high esteem by peers and superiors (all of whom have made it clear to me that they want me to continue). SInce covid I have lived at the beach (a 2.5 hour drive from control center) and worked full time remote 4 weeks out of every 5... Decent retirement savings, receiving a good pension from previous employment, making great salary, generally low stress working during the 4 weeks remote, a bit more during that 1 week in office but not killing me by any means. I Get 7 weeks off per year so I can still do adequate vacation travel. I DO have several triggers that will automatically cause retirement decision (full time back to office is one). The crazy thing is I walk around my beach town and think of what little minimum wage type part time low stress "jobs" I might find OK in retirement as a way to stay busy (i.e. running the beach umbrella rental concession) and THAT is why I'm still working because as soon as I compare those potential jobs vs what I have now I realize how stupid such a trade would be. Ultimately I can't really find a good reason to retire at the moment (but of course that could change in an instant). When I was younger I worked to live, now it is becoming apparent to me that I live to work. Oh the humanity

Everyone needs to question why they are working and what they are trying to achieve whilst living on this planet. We are all on the same train ,just getting off at different times . We need to really find out what makes us happy and fulfilled whist riding that train.I have had my time on the hamster wheel and now enjoying the simple life ,lots of beach walks which we both love,playing guitar ,reading, life in the slow lane is great.

I have never once in my life heard a woman say that she would work so that her husband could retire in his fifties, so he could have more time to enjoy his quality of life in retirement. Women will sit back I want to do nothing and watch their husbands work their fingers to the Bone and break their backs until they are 65 and have no gas left in the tank to retire. To all you younger guys out there, don't let your wives and girlfriends sit on their asses getting fat doing nothing. You need to protect your finances and keep them working so that you can retire at a decent age and have a chance to enjoy your life for all the hard work that you put in.

I should work for about 16 more years before reaching traditional retirement age. However, I've increasingly been thinking that career advancement is simply not worth the added stress. The house is almost paid off and we have enough for both kids to graduate from college debt-free. Retirement savings is fine. I have no desire to acquire adult toys like boats, motorcycles and second homes.

The sad part is that the modern job has become so damaging to health, and this is almost a universal experience. The expectation of killing stress has become so normalized that people see retirement as their only option for improving their health.

I just turned 59. I’m a self-employed musician with no plans to ever fully retire. find it very liberating that I have the financial and emotional flexibility to tell people who steal my joy to go pound sand. 😂

Just turned 63, no kids, no spouse. Retirement will happen when I find it, or it finds me.

They should rename the news as opinions and persuasions since very few facts are reported anymore without how someone else wants you to interpret what happened. Anyways, watch what happens to your outlook on life after you avoid the news for about six months. It is amazing. Best way to remove spending down assets anxiety is with guaranteed monthly income. People fear cashing in investments and savings, but they feel comfortable spending monthly paychecks. Before you retire, make a list of what things or activities make you happy. Then, review the list on your birthday and January 1st each year to make sure you are still on the path of happiness. If you don't have health, you don't have wealth.