Is it too Late? | NOTHING Saved For Retirement at 50!
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- čas přidán 3. 11. 2019
- "This Idea of FI would have been great if I had found this in my 20's or 30's but will it work for me now?"
Is it too Late? Becky and her husband found themselves with nothing saved for retirement at the age of 50 and implemented an incredible financial transformation. Becky joins us to share her story of hope for those getting started on the path to Financial Independence a little later in life and after several financial setbacks.
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59 yrs old, debt free and well on my way to FI. Took me 10 years and worth every step. Looking to retire in 7 years.
I overcame a spending addiction to reach FIRE at 57 years old as a single person. Don't give up! Retirement is awesome.
That's great! Congratulations! After my company downsized in March due to Covid, I cut my excess spending by a lot (not too austere, to be honest), and find that even though I did not have much saved before the layoff, I am able to keep my apartment, go on vacations (it was for re-location research, mostly), and not totally starve. I feel pretty good that even if I don't get a job for the next year or two, I will still be Ok. I never had that insight before, after having worked 32 years. If I do get another job that pays close to what I earned before, I will take the lessons learned and squirrel away most of the money and make it work for me. :-D
Congratulations!!! At what age did you start working on retirement?
Omg I want these guys to interview YOU! I’m also single needing some pointers.
Thank you. I needed this. I was ready to give up
Indeed it is😊
Terrific episode!! Please do more content focused on people in their 50s. It's incredibly encouraging to hear stories of people later in life turning things around.
will do!! stay tuned this friday . :)
Agreed!
Please do more videos addressing late starter.
Thank you in advance.
Yes. I agree. Financial Independence retire later
Forgive yourself. Let your past mistakes go and move forward.
Excellent advice. I'd only add: learn from your mistakes, so you can move forward.
I just started at 40 and now have a plan for FI. It's never too late!
Wow. This episode really struck me. Finally debt free at age 45, but nothing saved for retirement. Not impossible but definitely an uphill battle. Y'all have been God send. I have learned a lot, and started an actionable game plan. Thank you for everything 👊
One of my favorites as a 57 year old who is late getting back on track.
Awesome :) we will try to do more of this type of content
As someone who is in my late 40s, this episode was PERFECT for where my husband and I are. We were introduced to this community in the last year. Glad to hear that it isn't too late and that Becky had the confidence to move her investments to Vanguard at such a late stage in the retirement game. This is where I am. I'm nervous to make the jump. Thank you for putting a face to this stage of life. I subscribed to her blog immediately!! THANK YOU!
That's fantastic! Glad this episode was able to add value and help solidify your blueprint! We would love to hear more from you as you and your husband continue on this journey 😀
VidaWithVicky yaaasss!!! Happy for you! And hey, I miss you posting on your channel!!🤗👍🏻🔥🔥
VidaWithVicky I'm 43, finally 100% debt free and opened up a Vanguard account in January. We've got this girl!!!
This is why i love FI. It is for everyone. I have heard and listened to FB questions and posts from every age. It is so amazing and very encouraging. I just sent this to my husband who keeps beating himself up that he will not catch up. lol
I discovered all about FI just before I turned 57 earlier this year. I read up, listened and watched as much video, etc. as I can and after a few months, I am now debt free, I have about two years worth of emergency fund (about 4 years if I move to another country), I have stocks and ETF investments with estimated annual dividend of almost $600 and increasing and I have registered retirement funds that's almost 100K - also increasing. The pursuit of FI really gave me clarity of where to put my money and how to manage it. It gave me direction and I feel so much happier and confident. I think my anxiety is also gone!
That's terrific! Way to go on making progress.
I love the way Brad interviews Becky. He really tries to contextualise the situation, to bring it into reality. He does it, though, with care and compassion. I’m a fan!! Thanks
I found this episode so inspiering 👏🤩 I am 51, and have just startes my journey to FI
You got this! Sending all good vibes for your journey!
This is so amazing. I have finally realized that I need to save for my retirement. I began saving a £200 a month. I get an extra £50 a month through tax relief. I am 47 years old at the moment. I hopefully will retire at 67 years old. So I have just 20 years to save.
Great Episode! I can totally relate to this interview. I am in late 40's and we have been learning about FI over the past year. I feel like we are on a similar path to Becky. No clue in 20's-30's. We got our act together over the past five years and now we are setting ourselves up to retire in the next 10-11 years. We also used Edward Jones and switched to vanguard last year after watching an interview with Jack Bogle. I feel like we wasted a lot of time and money, but we are still able to play catchup and retire in a timely fashion. Never too late to change for the better! Thanks so much for the great content.
Glad you enjoyed the episode! And that's amazing! Looking forward to hearing about how you outlined your blueprint to success! We definitely feel like this was an important message because it is so easy to get discouraged along the way
@@ChooseFI Such a similar path to Becky. Made plenty of income not much to show for it until 40's. Heard about Dave Ramsey, paid off our small amount of debt and started budgeting. Husband was just starting out consulting, but for us that has worked well. I started working for my husband and running all the behind the scenes work after I learned how to get our personal finances in line. , We are paying for most of kids college funds, saving for retirement, paying down mortgage (will be done in May 2020). Then focusing totally on retirement savings.We are hoping to have 25x annual expenses by 60, by investing/saving 50% or more of our take home income (starting in june2020) . Not really early retirement, but definitely plan on being financially independent by then.
There are a lot of strategies to make tongue-wetting profit that the average joes don't know. . Personally, the financial-market for me seems the only way forward with my long time horizon (accrued roughly $457k in gains since Mid 2021 ) but if you don’t have that fortune of time it’s a tough market out there almost nowhere feels safe!
@wilsonkelvin2531 I've known I had wanted to start investing for a few months but just haven't been brave enough to start due to the market so far this year. I have $60k I want to transfer into an S&S ISA but it's hard to bite the bullet and do it. $457 is a huge milestone, Please what's your strategy? I will love to have an insight
@wilsonkelvin2531 Word of the day: fiduciary. do not talk to anyone who is not a fiduciary to you, who explains everything.
@wilsonkelvin2531 I heard she always has a way of linking someone's investment into something new and profitable
The best thing i did to secure my retirement is invest passively in the financial markets. I advice anyone approaching retirement age to seek the candid guidance and assistance of a reliable professional and put your money to work
Great advice, whereas, the only fork on the road there would be finding a trusted investment manager. Got any recommendations?
@@aidan.g.harbach Indeed, i went through some huge losses at the hands of wall street quacks. I'll recommend my personal investment manager, but i'll need to confirm if i can give out his details on here.
@@ansel.thegreat Solid take
@@aidan.g.harbach Alright, i got the go ahead, his name is Lance Ingrid Bernthal, He's available via telegram @lancebernthal and also via email> lancebernthal @ gmail(.)com
@@ansel.thegreat What exactly does this person do for you?
Great episode! Thanks Choose FI and thanks Becky!
Fantastic to hear different stories, ranging in age and financial situation. We can learn a lot about FIRE from young engineers that found the path early in life. But also a lot to learn from the 50+ crowd that started FIRE later in life. As always ChooseFI has hit the mark. (First time commenter, avid listener) Love the community. I found my people. The Fire is spreading. Your Canadian fan.
Wow and Thank you for commenting - we are thrilled you are here!!
Yesss!! If you’re breathing, you still have time!👏🏻🔥👍🏻👍🏻
Absolutely! The best time to start might have been years ago, but the second best time to start is today!
Man this is so good, thanks for sharing how its never too late!
I am 55 this year and we started late . We are fortunate in the fact we only have a small mortgage debt , which we are chucking everything we can at. Once that’s paid we can invest more than we are and downsize to cut our financial needs down more. I am teaching my teen kids how to set themselves up and they have started investing . I have bought J L Collins book too as we all have investment ISAs here in the U.K. and want to Max those out ASAP .
such a valueable episode, thanks guys
There's hope for all of us. Thanks for this episode. I've been looking for this topic. Yes, we can still improve our lives and our situation. This is the time.
Thank you for this great podcast. I understand the fear as I'm in a very similar boat at almost 49 and the fear is all-consuming and paralyzing. Also it makes you feel it's all hopeless like you'll never get ahead! And if you've not started now/lost all these years of compound interest, then you'll never get to where you should be! Thank you so much! Now to get the mindset of enduring the uncomfortable days at the beginning and embarrassment!
Excellent interview & podcast!
It is never too late to change habbits. Thanks for your work to educate people. This is something that should already take place in school.
Speaking of habits: czcams.com/video/Ufn-bFH-Cuo/video.html
And yes, absolutely agree! Which is why we're working hard with partners to bring this information into the public schooling curriculum. Financial literacy truly is something that benefits from being taught early on.
This is one of the best episodes on any podcast. I absolutely Love it. Thank you
hey guys! jj from venice, italy! i just wanted to thank you from bottom of my heart! i discored the fire community through your podcast and jl collins's book! i m on my 30s studying at university and starting my financial indepence now. hope i m not too late
Thank you so much for doing this episode! We are right there now and needed encouragement.
Im glad it was helpful - Stay tuned this friday :)
Thank you for sharing this story❤️ Surely there are lots of people who resonate with it but live below your means now and track expenses👍
Thanks so much for sharing.
Thank you so much for watching! We do it all for you, our audience :)
I am really encouraged with this story. I am 50 with a reluctant husband who is still day dreaming I am doing fire by myself hoping hubby wakes up soon. I live in Europe and am using all I learn here ie using the equivalent down here.
We're so glad Becky's story is inspiring you! It is challenging when your spouse is not on the same page. By any chance, have you shared your "Why of FI" with him? Maybe ChooseFI episode 38 could help the conversation along. Sending you all good vibes and wishes for your FI journey. Thank you so much for tuning in.
Remember to have separate accounts and or make sure no one has access to your accounts and makes sure the statements are as much as possible email and not paper statements. Get a separate email account for your accounts.
@@tonyl6385Straight up. I would even have a separate mobile device for email and communications related to my finances or not store passwords in Google password manager on multi-use devices, which is hard to do if you're not paying attention. 😮
I just found out this video and I can't say how amazing it is for me. I'm from Panama, actually I live here and still the message of this video is so powerfull that it helped me decide to start this journey to FI. I'm only 27 and I was having this question about if it was not too late for me to start. Now I see I'm in the rigth moment to start. Thank you guys and Becky.
Can anyone point me to the super basic explanation on Vanguard? I’m willing to do the reading/research, but this whole thing is hard to get started when you come from a position of NO financial literacy. I read a few sentences on finances and I’m lost. They start throwing terms at you & you’re so scared to make a mistake that you’re paralyzed.
Check for J.L.Collins simple path to wealth series here. This should give you a good insight into the basics.
Really amazing interview. Great choice of guest
Good stuff! We started 7 years ago wallowing in debt and are currently still grinding. Got another 3 - 7 years left to get to where we want to be so literally at least 50% of the way there to lean-ish FI. It wasn't hard, but it also wasn't easy but definitely rewarding :)
Wonderful story and a wonderful person.
Thank you for this wonderful episode! This gives me hope! Great interview! Newly subbed to your channel! 😁❤️
Welcome aboard! If you're just starting out, we have a couple of free resources on our website for people starting on their journey. Here's one: www.choosefi.com/start-your-journey/ Hope this helps!
Thank you so much for this episode! I'll be turning 50 very soon. I've sporadically been saving and doing some investing (but I stopped because the fees were annoying me and I didn't know what else to do). I will also have a pension, and just figured I'd have to make it stretch. That pension is also what has trapped me in a job I no longer love, and the thought of doing it for 10 or more years is soul crushing. Recently (last week), a colleague introduced me to FI and specifically to your podcasts. I'm a wee bit type A, so I've started from the beginning (starting podcast 018 tomorrow). Because so much of what you say is aimed at 20 and 30-somethings, there has been a certain level of discouragement because I keep thinking it's too late (even though I know I can implement bits and pieces, true FI seems like a unicorn at this point). Becky gives me hope! Frankly, I'm overwhelmed and hoping there will be answers to my other questions in future (for me) podcasts. lol Anyhow, onward and upward! Thank you! Peace!
Allison, so glad you found ChooseFI. If you're just starting, check our their FI 101 class. It's online and it's free! Also, I have a website with some basic info. Keep up the good work!
Love this episode. Resonates with my journey trying to be FI. 3 things learnt 1. Being frugal, 2. Save, 3. Invest.
So awesome 👏!!!!!!!!!!!!
Another great episode!
One of our favorites!
Just found this channel and this podcast. It is excellent! Subscribing, looking forward to hearing more!
This was a great show. It is so hard to find information on saving for retirement at a later age.
This was a terrific episode. We can't turn back the clock, but we can take action now. We hope you found this helpful. Thanks for listening!
Great episode!
Thanks! Glad you enjoyed it.
Great interview. Loved it.
Glad you enjoyed it! We hope it inspires and helps people. It's never too late. Thank for watching.
And I thought i was starting late at 36!
You are just on time👍
If you max your contributions to a 401k, starting in your 50th year, and invest your 401k in a stock market index fund, you can expect to accumulate about $1M by your 66th birthday. If at all possible, do this via a Roth 401k. A Roth 401k is much better than a traditional 401k, because the former lack RMDs and feature tax-free withdrawals.
Lol, hating the Covid-19 no cash culture. Using envelopes as much as possible and monitoring credit card statements. Thanks for another great episode.
Loved her interview!
This was a wonderful video!
Thank you for sharing.
Thank you for this. I'm currently 50. I'll be ok at 65 when my State employee pension kicks in. But I want to be able to slow down working before that happens.
Thanks for watching and that's awesome! What is one step you plan on taking that will help you reach that goal of being able to slow down?
@@ChooseFI My mortgage is currently 46% of my take home income. We're going to spend the next year paying extra on this in order to refinance at a lower interest rate and to lower our payments. Once that is done we are going to max our Roth's and start our VTSAX. Our goal is to pay off the house early and keep the investments rolling.
I honestly don't know if that's the best way to do it but the numbers give a light at the end of the tunnel.
I am 55 will be fully retired at 58. It has been hard to get there but now that I am so close it has become easier to finish strong. These types of videos have been instrumental.
Good channel
The host on the right sounds so much like Dave Rubin! I had to check and see that it was not. :-)
Great show!!
Hahaha, I don't think I've heard that before. Too funny. I will share it with the guys
What about people in their 60s and 70s?
it is a great content
43:00 just wait for March 2020!
to any stay at home parent - make sure the earning spouse also sets up a separate IRA for you. I was a SAHM for 10 years & after divorce left with zero retirement because I hadn't thought of this and my Ex completely emptied the Retirement account (by talking out a loan on 80%) as soon as I filed. This isn't legal but wasn't able to get it back. Also, marry wisely!
Better yet men just shouldn’t get married period and put their assets at risk. Though an arrangement like this can still be made regardless, that way if the relationship doesn’t work out the non earning person in the relationship isn’t completely fucked.
@@amazinglats6020 You think it's the men getting screwed & it's "their" assets. When a COUPLE starts with nothing a build together it's THEIR assets. Only men think that a stay at home parent deserves nothing. Try taking care of your kids completely by yourself with zero help & little money & I'd bet your opinion changes.
@@nicholassmith3946 That's why I agreed an arrangement should be made where the earner in the relationship should set aside assets for the non earner to keep, in any event. If I had to take care of kids with zero help and little money, depending on how little that money is I do think it would be easy, financially anyways. I already live on very little. (around 9k a year)
Also I think your generalizations of men are funny at best. Of course there are women who think stay at home parents don't deserve anything either, you'd be dishonest to say otherwise.
Regardless, 70+ percent of divorces are initiated by women, so it's too risky as a man to get married today.
@@amazinglats6020 Idk my Ex Husband begged me to take him back, still does years later. He misses the clean house, great food etc & hasn't found another woman to put up with is crap. Also the dude who critiqued my cleaning - now lives in filth eg pee & brown stained toilet - because he's too above cleaning & my kids get grossed out going to his house. So I say it's risky for a woman to marry. I'd be much better off financially if I hadn't married, my career would've not taken a back seat to support his & take care of the kids & home.
I am working on FI alone. My partner is workinh but has 0% with his retirement and our home is his retirement plan. Dont see him in my future...
It's great you reached such a realization. Imagine what would happen if you never did?
Divorce him. Simple. The courts will fully back the wife in divorce raping their husband. So a win win.
Can we get an update on Becky, especially in this market?
Wow! This is so amazing to hear about as we are nearing 50 and just getting our act together financially! Greetings from Washington DC! Perhaps you all can help clarify.... I am trying to understand from her story just how they went about achieving FI. How old were they when they began investing once her husband had an income? It felt like from her story that they were able to retire in matter of a few years, but how many years did it acutally take once they were investing heavily? The Vanguard investments dont grow overnight! Ive read JL Collins so I have a basic grasp of all this. Thanks for any further clarification on how many years it took to reach how much in investments?? A million? or more? Aimee
Becky shares more of her story at startedat50.com/ and would love to connect Im sure :)
Porsche track days!! Good for you. I'm 54 and race motorcycles. Age is no obstacle. Live your dreams.
Becky Shared pictures of the Porsche Track - I will share on a future episode :) thanks for the awesome feedback!
It takes 30 years to save/invest enough for retirement. The basic way you grandfathers built wealth, is to save/invest $1000/mo for 30 years, and 6.25% yield. With compound interest, you will reach $1 million in 30 years from $360k total investment. The equation is basically the same as a mortgage equation, but modified algebraically to build wealth instead of paying down a mortgage.
Im 50... no debt and only 150k in retirement !! not feeling very good about that!!
If you have a paid for house and no debt, you should be fine in retirement.
Congratulations for being debt free! That's so cool. It's not too late to take build up your resources for retirement. We advocate taking intentional action and getting just a little bit better every day. If you haven't yet, visit choosefi.com/start and check out the free resources we put together. You may find the Beginner's Guide to Financial Independence helpful. Take care.
This is great, but not inspiring for me as an unmarried person. Is there anyone who’s single that you guys can interview about late prep retirement who willing to share how they got it together late in the game?
Great topic - I'd like to hear from more people age 50+ who've turned it around. I'm finally debt-free at age 61 and able to retire comfortably next year at 62. At one point, I made over $300k/yr but never learned to save or invest. Dave Ramsey has been a great help because the program is structured with easy to understand step-by-step instructions.
The dark haired dude...what is up with the dramatic, over the top concern/voice? IDK .... weird
It may be a rare characteristic these days called *_compassion_*
:-D
@@gojump7 I LOVE IT. He touched me. I can feel his sincerity
i listen to this podcast all the time for two years now. this my first time seeing what these guys look like. To me, when I saw Jonathan I was like "yeah, that fits" but when I saw Brad I was like "wow, that's not at all what I expected."
@@gojump7 sounds fake to me
@@eckankar7756 it didn’t sound sincere to me
27:07 Love Dave Ramsey... an industry leader in personal financial education and beyond. Dave Ramsey - 'If you will live like no one else, later you can live like no one else.'
So how much money did they have before they declared financial independence??
That specific number isn't necessarily relevant to anyone else. We are all on the journey, and our FI Number (aka total assets) is determined by our necessary expenses, lifestyle, and general cost of living. There are many factors that impact it including flexibility of location, etc. Have you taken the free 5-Day FI Challenge? You can sign up at
ChooseFI.com/FIChallenge
@@ChooseFI I can see that, but I wasn't really curious about the final number either until she talked about not feeling deprived at the end. I think numbers for how people are living an abundant (not just FI) life after having started closer to retirement age would have been helpful.
So I guess the answer is, “no…if you have a big income.”
Over 1 hour and nothing about how to do it. It seems like a good income is still required. Didnt seem like this family needed everyone to work. Only the man needed swallow his pride for a "w2 job" as if having that is a choice for some of us, not only that but having one that can pay all the Bills for a family with a house plus enough for savings. That's really the only requirement, good luck getting that in this coming decade.
That's like every episode lol
We are in the same position she and her husband were in. I did not find out about early retirement until 2 years ago when I was 49. I was self-employed without anything set back toward retirement. You have to cut spending down and throw everything you've got into your retirement account for the long term. So I have 14 years. For now I put $200/mo in, but at some point I will be putting in $1200/mo into my 401k. We had to pay off a car, which is now paid off. Now we have just a mortgage at 3.25%. Anyhow, as soon as we had cut down spending, we "found" an extra $350, which I use $200mo to go into my solo 401k that I set up. In another 13 years I should have $400k to retire on. I will draw down 4 percent per year as income.That is not counting social security, which I may not start drawing on right away and just let it increase. My husband will still be working another 6 years after I retire. We will have no debt when I retire. My husband works for a municipality and will have a pension that he pays into and is matched at 3%.
Go get Dave ramsey's total money makeover book from the library and do everything it says to do :-)
Same... Dave Ramsey... Thats why i Have no debt !! Nothin but a salute to Dave Ramsey
Why’s this guy talk like he’s telling a story? Haha
I'm single my whole life and am in low income ranking. My rent is 1000 a month for one bedroom apartment so that's more than half my income. I don't spend any extra money. My car was paid full in cash 14 years ago. Car is 21 years old. I dont have TV or internet or gym. No going out to eat for 4 years. Most all income goes to Bill's and rent impossible to really save /invest. I'll have to live in my car/suicide/ or move out of this greedy ass country USA. Be great to move now but I'm not retired yet
😀
its easy to retire in 13 yrs when you get large year end bonuses #comeonman
Men -- realize she said basically, When the Money Stops, The Honey Stops. You're a utility to her and nothing more. Stark, but reality. And FWIW, not all women are like that, but their operating system is the same. So guard your wallets as that's your biggest asset.
Better to begin early
Really? Do you think?
@@w0mblemania any doubts ?
@@arnabbhattacharya6579 You kinda missed the point of the video.
Is it just me or is this guy weird??? His voice is also strange?
Is it just me or does everything sound forced and fake? I mean it's not scripted but it's sound like fake radio announcers with the inflections, cadence, and speech choices. It would be more sincere if this was a coffee chat
Thanks for the feedback.... I guess
Well, you do you have a point.
Constructive criticism: the information given is great, but yes, some of the questioning seems a bit "put on".
Suggestion: try to be a bit more natural. Just ask questions like you'd normally speak to someone rather than putting on a "curious, careful questioner" persona.
Cheers.
Don’t be critical !