Don’t Waste the Youth of Your Senior Years-Strategic Living for a Fulfilling Retirement Journey
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- čas přidán 26. 02. 2024
- In this video, I outline my plan for maximizing my retirement and life goals while I’m in my “Go-Go” senior years from ages 60-75-- The Youth of my senior years. From what prompted me to stop thinking about it and start doing, to how I plan to pay for it all. Join me and discover the importance of strategic living in your senior years, ensuring that you don't waste the precious youth of this golden chapter.
Whether you're approaching retirement or already savoring these years, this video is your guide to strategic living and making each moment count.
Don't just retire, heck... don’t EVEN retire; THRIVE!
#SeniorLiving #RetirementJourney #StrategicLiving #GoldenYears #FulfillingRetirement #WisdomOfAge #PositiveMindset #LifelongLearning #AgingGracefully #PurposefulLiving #EmpowerYourRetirement #ThrivingAfterRetirement #LongGameLife #PositiveAging #SeniorCommunity #MeaningfulGoals #EmbraceWisdom #LiveWithPurpose #CherishEveryMoment #SeniorWisdom #ElderlyEmpowerment #HappyRetirement #MindfulAging #LifeAfterWork #RetirementAdventure #GoldenChapter #YouthfulSeniorYears #RetirementSuccess #OptimisticAging #JoyfulRetirement #sololiving #ThrivingAlone #SelfCareJourney #solo
Links I reference in this video:
Turning Job Loss at 53 into A Life-Changing Gift -- • Turning Job Loss at 53...
What a great plan. My husband died after a short illness at age 53. I was 52. It was a wake-up call for me. I started traveling because I saw how fragile and unpredictable the future is. Ten years later, I downsized from out five-bedroom Victorian house to a cozy 920 sqft bungalow that I paid cash for from an IRA I inherited. Because of this, I was able to retire at 65 with no mortgage. Now, at age 72, I have some health issues. If I had waited until retirement, I would have missed a lot of opportunities. As it was, when the pandemic hit and everything shut down, I was fine being home, living a quiet life. Since then, I have become a lover of train travel. It's economical and works well for a single lady traveling alone. Don't wait. Tomorrow is not promised.
Agree 100%
I have been looking at train trips after I retire this summer. I have been told the Coach seat is actually comfortable for sleeping. I just don't know if I want to pay big buck for the sleeping rooms. But I think it would be interesting to do the triangle from Chicago to west coast, south, then back east to Chicago.
@@tmoore1144 worth getting a roomette if you can afford it. I did it alone from NYC to Chicago - very pleasant (ala North by Northwest). I like to see the art galleries in each city, gives me a reason to go.
ThankYouForTrainTravelIdeas!!
I’m 48 single and forward planning for my retirement years.. if I’m fit I will work to retirement age, perhaps go part time from age 60. I want to clear my house, stock up my retirement funds and then I will be set to travel. Thanks for your good insight and advice.
I’m a new subscriber and 62 year old widow. As an introvert I turn to my CZcams “friends” daily for company. I wanted to let you know that I enjoy your chats very much!
Also 62 was a widow at 56
I retired in 2021 at age 60 on a small pension plus CPP. I really really needed the rest, but only lasted 2 years before i needed something more. Got my commercial drivers license and now i work part time as a rural school bus driver. I feel a lot better. Now I have a purpose and am contributing to my community. My fellow bus drivers are very pleasant people, I enjoy being around them. And summers off !! I really like "youth of my senior years" as a title for this time of life.
I think travel is overrated but then I worked overseas many years ago now so experienced the different culture thing.I think the answer is within whatever you wantt to do.For me it's my own private academic study, reading the classic novels I never did, exercising, walking outdoors in nature and finding the joys inside when reflecting on my past experiences. At 64 on a low pension, working isn't for me but others need more social contact and seem to get something from it that I never did. Good luck to them.
@@alanpatten468I use to work over seas I am thinking to go back again at this age
My mom passed at 65. My dad 5 years before her. They worked all their lives and never got to collect their SS. When my mom applied they told her someone was using her social security number and they were working. While they investigated she passed. Time waits for no one and as you say there are no guarantees in life, no guarantee in a job, a spouse, your family, your friends, or even your children after you spend most of your life caring for them. My Dad used to tell me you are born alone and you go alone, you are born with nothing and can’t take anything with you. Do the best you can and live life. The soul is the only one who goes with you to the afterlife. Every thing else is temporary. 😌
I’m 57 and this made me tear up, I’m going to make a point to make the rest of my life not about “things” but about enjoying the remainder of my days with experiences.
What a tragic story and a beautiful message. I believe your Dad was a wise man.
Wow. This post really spoke to me. Wise words of wisdom we all need to hear. Thank you ❤
Amen
Well said. You have to enjoy the life around you while you have it, also while you’re fit and able. Preparing for retirement is crucial however, to live comfortably you need to own your own home & have a bit of money saved. It’s a juggle to get the balance right of life versus looking after your long term self.
I retired at 50. I started traveling around the world at 40 and have been to all the places I wanted to visit. Now, in my 60’s, I have no interest to go anywhere and I 100% own my sweet home that has a big garden that I built from scratch. I have a lot of animals with full love. Life path is up to you to choose. I was lucky to have chosen the right path in my late 20’s.
I get it! I retired at 50 and did the traveling in my 40s and 50s. Now in my 60s, I'm enjoying my dogs, my little home, and a converted van for camping. Everything in its season as an individual choice.
I was fortunate enough to be able to retire in my 50's. I traveled & pursued my interests full on. I am now 72, have a gorgeous small home in a wonderful seaside environment. People kill (figuratively 😄) to live where i am. I still train & compete my dogs. I am so incredibly blessed. Content. 100%. 🙏
Retired in my 60 s small teacher pension. Worked hard when I was young bought and sold.y houses to go on and build.y dream home when I was 40. Intimidated out of my home by the police local and went through a divorce so doesn't always work out as you plan. Endured a lot of hardship as an older person when I expected to be living in my dream home.mortgage paid 10 years ago. Working and doing whatever I liked with my money and taking it easy.
I’m in the same boat - just slightly younger. I’m 54 and hit every travel experience on my bucket list. Then, I made a new bucket list and finished that one too. I feel very lucky and blessed to have done all this traveling while being young and healthy with lots of energy. Now, I’m very content being at home. No need to travel anywhere. I feel happier than ever spending time in my garden, doing my hobbies, learning to play piano at 54 and spending time with my best friends - my 4 cats and my dog. Life is sweet.
Wonderful
Hi wonderful woman for starting this channel. I am nearing 82, totally solo for over 20 years, retired for 14. Always had only a few but very close friends but they have passed along with all close relatives. I really have nobody but me and my 2 cats and many creative and spiritual pursuits. For me it had to be that way, I am too empathic and take on people's emotions and dilemmas as my own if I live with anyone. After two marriages and several live in boyfriends, I learned this inconvenient fact and I have to now to everything for me and my little house and my modest ss check all by myself. I do it well, it's hard and not for sissies but it's the best route for my very sensitive nature. Thank you for this lovely channel and for your heartfelt sharing, and also the sharing of all the commenters.
I really love your comments. So honest and insightful. I can understand how empathetic you are, I can also relate to all you say. I shall be 74 in September (God willing or fingers crossed) and have lost a few along the way now. I am also creative and love my sewing and craft and while I do live with my lovely husband I lead a very modest and quiet life too. I am too sensitive to be very outgoing, I retired almost 14 years ago Not because I wanted to but they wanted to get rid of the older employees there. I was 60 then and full of beams and plans. I completed a textile course in construction and this has provided wonderful skills for me to refine over these years. My best wishes to you and that you continue a content and healthy life. Regards Eva
thank you for your open sharing, I relate.@@pennysewing9418
❤️
Thank you so much for your comment. I too am empathic and struggle with it. You've given me hope. I dream of a life like the one you describe
thanx for your caring response ... you have to be an advocate for it ... society and current culture conspires to wedge us into all kinds of boxes and unwanted situations that devour our time and energies. Then we resent others when it is at our own hand because we are not used to listen to our inner promptings. @@katiem867
I’m 75 and healthy and traveling. I plan to live past 100.
😅 me too.73 now I was think8ng 104.?
I am 75 and Hope to make it 25 years more🤗🤗🤗
Me too, 76 with 82 year old husband, about to set out on safari!
@@Catsrule7 Have a great time!
Retired at 61 & started travelling with my sister spending a month in Portugal, Malta, Padre Island Texas, China, England, Qualicum Beach, Okanogan etc. Sometimes doing house switches with other women as my pensions were small. I took CPP early & invested it whenever I could, bird in hand was my motto since my father died at 52. My sister didn’t & then died suddenly at 70 & her estate only received $2500. from CPP to bury her & the 1.5m pension was taxed at over 50%+ as we were single. When she was in hospice she thanked me for the adventures & left charities & family members her money. I am 75 now & really don’t want to travel anymore maybe just a warm break in winter & see more of my own country as I went to Newfoundland last June & Yellowknife this year. 75 is old in my family & I am tired but content & happy with my life decisions & will be leaving an inheritance for my children & grans.
I can relate. After the death of my uncle (two years after retiring), my husband told me he wasn't going to wait until retirement to play bluegrass music and attend bluegrass festivals. We bought a camper and went to bluegrass festivals three times a year for ten days at a time. After that decision, he lived for 4 years and 11 months. Those were the best years of his life. I'm so glad he made that decision.
All my life I have taken care of people...siblings, mother, grandmother, husbands, children. I have given to charities and friends who never bothered to pay me back. Now in my senior years, I just want to chill and concentrate on myself. It's all about me and what I want. I have very few things left on my bucket list, having done more and traveled more than most people I know. My bills are paid; I have no debt; I live a minimal life, and I do what I want
My good friend died suddenly at age 70. He never took his social security and he kept working. Luckily, he did some travel and cut down on his hours at work. A cougar jumped in front of his motorcycle two years ago on a warm August night. So I quit working at age 59. No regrets and it's been two years.
I had 2 friends in their mid fifties pass away. One suddenly, it was shocking and devastating at the same time. Then a friend developed colon cancer, terrible 2 yrs. Thank God she overcame it. But these things put an urgency on my life that I have to live more and now. My husband and I are planning to sell EVERYTHING. Buy an 5th wheeler and find a nice RV park. We will live only on his salary and stash my salary, in roth, CDs and savings. Within 5 years we are planning to only work 6 months out of the yr. Until we can get early social security at 62, than we'll figure out where we are in life. I'm tired of the constant hustle, and bustle, the living just to work, and then die that is living in this country. I'm ready to be free and to do more with our lives.
sorry to read about the loss of your friend. Hope you're enjoying your retirement
Sorry to hear about your friend.
Unfortunately, no one has a crystal ball. We could work and save and then pass just when it’s our time. We could live for now and run out of money and be in a bad situation if we live to be 80, 85, etc. Different people will be comfortable with different choices.
That story hits home since I’m nearly 66 and still working. I also ride a motorcycle.
I am so glad that I found you. Ppl with common sense are so rare these days. Tight hugs from oregon. I found myself divorced in my 40's. I had a stroke at 30 I was told by the dr.s that I would live one year past the stroke date. I told them that is option My bible says I shall live and not die. I am 65 this year. Well past the dead line I was given. I live each day to its fullest with a thankful heart.
If you have good health you are wealthy & blessed in so many ways. Sadly a simple medical procedure left me disabled aged 42 & ended my teaching career. I'm 60 now & live a quiet simple life, I have a lovely adult child still at home whilst saving for a deposit for their first home.
Nature & wildlife are my great love & I'm thankful to live in beautiful North Wales which is full of beautiful scenery.
Everyday is a blessing, life can change in the blink of an eye so enjoy & appreciate everyday. Food is my medicine, what we put in can so affect our health in so many ways.
Today is the tomorrow we worried about yesterday & all is well. I love that quote.
I hope you have a lovely day Jen 💐Annie🏴
Living in North Wales sounds pretty good. Envious! Wishing you all the best. Cheers!
luvlee comment!!!
Such a lovely quote.
Not following through with a "grand plan" does not always mean the time between was "wasted". The life lived while waiting for the grand plan to happen matters. The laughter , the friendship, the rounds of golf played, the dinners and quiet evenings at home is also part of living. Everyday above ground is a blessing❤🎉. Thanks for sharing your stories with us.
Thank you for making that distinction because I feel the same way, they did not waste their time.
Thank you for this!
"rounds of golf?" Easily said by a Rich person.
I hear you, we can't all afford to follow suit nor would we want to. It doesn't matter what. For me its rounds of knitting on a circular knitting needle and dyeing my own yarn I find on clearance and creating beauty, lots of it!!! @@flyingthesails6801
Yes!
My father always used to quote: "If you have 2 loaves of bread, sell one and with the money buy hyacinths for the soul". It was his way of saying that money wasn't for hoarding, that we should enjoy life as we are living it. Sadly, he passed away at 55 from cancer, but before that he made sure that he and my mother took the vacations they wanted while they were young. His only regret was that he had just booked a long-desired trip to Australia when he was diagnosed and he was never able to take that trip.
Sleep well Dad and thank you. X
I always looked forward to retirement but now in my retirement I am looking after my 91 year old mother and raising my 15 year old grandson. This wasn’t in my retirement ‘plan’, but I have no control over this phase and I have to look at the positives. I’m nearly 65 and I still have my mother and my grandson is a wonderful young man. I am blessed but my ‘plans’ for my retirement are on hold.
I just turned 49, and I truly love the way you put , " The Youth of my senior years".
I was surprised you picked 75 as your I’m-old. Until that age, I lived a young and explore-the-world life. Then 75 hit and the mind-body aged over night. No longer the energy, strength, balance (could do yoga on a bouncing ship), and stamina. Now, I’m learning how to cruise watching others pass me by. Right now, I’m on an 80-day Grand Voyage learning how to enjoy a new way of travel.
Overnight I turned old. It happened last year at 77. Until then I thought I was still young!
🤪 yikes.
Jealous…
Not for me! I have lost most of my strength and stamina by age 40! I didn’t have a car and walked everywhere - my feet literally wore out!
Tomorrow isn't promised for anyone. Enjoy each day. 🙂
Subscribed. I'm a retired male age 65. This channel is a hidden gem. High quality information. Thank you for the videos.
I'm struggling with worries, meaning, value, and purpose after retirement. Millions of Boomers are dealing with these topics.
@gybx4094. I agree. I went out on disability at 47. So I don’t have the money to do a lot of things this lady on youtube suggests. I worry a lot about what will happen on my limited income since social security living at 47 didn’t allow for nest egg building.My check was decent though and I did fine until after covid inflation. I work hard mentally just trying to stay in the present moment because for now I have everything I need, Don’t have family or very close friends to do for me. All I can do is take life as it comes.
I’m 70, and just retired. Had planned to travel after retirement, but my wife’s health went bad and she can’t travel anymore. So I no longer had reason to retire, except I got arthritis so bad I had to. This is certainly not what I planned all my life, but who knew. We never know how the future will turn out.
So true. I had big plans...and in my late 50's had a knee injury that has led to bad arthritis in both knees. Things can change very quickly...which is why I'm thinking of retiring in my late 50's.
FAST --- it is the BEST THING you can do for arthritis better than any medication. Start with 36 hour fast and build. Arthritis is inflammation and fasting DOES THIS.
Keep moving Albert now is your time, look after yourself. don't be held back. I have arthritis and I must keep going.
Keep going Albert, my retirement with my husband was sad he didn't want to get out off his comfortable chair. This time is yours.
Another one for arthitis, once you have fasted, is taking gelatin daily. One spoon of rehydrated powder. Cost little to try, like fasting!
I worked full time from 18 to 64 with 7 years total off for Motherhood.
I’ve traveled about 20 times abroad. Last April I went to London for a week to walk tour and meditate on my future and decided to cut back to 20 hours, locally, take art classes, read, walk, enjoy friends. I’m very blessed with an IRA I saved starting at 25, and some alimony to 70. I’m now needy to keep an eye on my 88 1/2 year old Dad. It’s an honor. I visit my son in NY 3 to 5 times a year. I’ve changed from an extrovert to introvert and now enjoy peace serenity spirituality and the sunset out my west windows. I also contribute a bit to a couple charities. I’m very very grateful and realize things can change in the blink of an eye.
Hi "Silver,"
I Wish you all the best with your dreams. I was not so lucky. I retired at 60 from an incredibly demanding job that was both exhausting and a great privilege. Figured I had a decade to do the bucket list things and had the plans in place. Especially the physical ones. I was hit instead with degenerative disc disease in both neck and low back such that the thinning became so great that anything could and did land me flat on my back, (or alternatively, having to commando crawl through the house without use of my legs.) This was combined with 2 (bilateral) hip labral tears from a fall in a river bed which insurance refused to fix. Walking and even standing without severe pain was an enormous challenge. Add to that hypothyroidism and severe insomnia of 30+ years duration due to a poisoning in college.
I am now 67 and I have slowly made my way back to the living. It took that long. I can now walk up to 5 miles with pacer poles, have been able to swim and cycle a little....even join the family for some (BUNNY SLOPE!) skiing. But the dreams that I cherished and worked toward? Not so much. Like your relative, I got robbed.
My lesson? Be kind and patient with yourself. Develop flexibility. Love everything life offers you. Even the moments that seem wasted. They are not. They are, every minute, a blessing.
I wish you all good things! Be one of the lucky ones!
Wow - what a dreadfully difficult load you’ve had to deal with! My experiences have been no where near as physically severe as yours, but like you, I’ve learnt to appreciate moments more.
Retirement has not been enjoyable in the way I thought it would be, but still there are things to be grateful for every day - no longer working in a job that was also incredibly demanding is one of the main ones!
Wishing you continued improvement with your health and may you enjoy many moments of unexpected joy.
@@heatherjay8802 Thank you. Very much appreciated.
I direct command comple my body to heal its self, what ever I fill into my brain is what I am good or bad. Forget about the age of the body, you'll be glad you did. 😅
I retired at 60 and had a injury. It took me 5 years to crawl back to health. I'm learning to enjoy one day at a time progress.
"Be kind and patient with yourself." "Love everything life offers you." I love those sentences. I'm going through cancer treatment for the second time at age 43...I can retire early with a decent pension in 4 years and I plan to do so. I would look for something less stressful or a part time job to help me stay active but give my body grace. God bless you
"the youth of my senior years," I love that.
Just turned 68. On social security and working part time. My goal is be at least 100, when I leave this Earth. Two marriages and no home of my own. Didn't see the big picture. It's never too late to get things right. Love your video.
Do it do it. I am Australian, in my 60s I went across Canada by train, I did 3 house swaps to Europe and 2 to New Zealand. Now I’m in my 70s with arthritis in my knees. I still take vacations but they are within Australia and don’t involve hiking or walking. So do it now and enjoy it to the max.
I am 64 , fit and healthy and I help look after my 2 grandchildren. I always tell my friends that we should retire when we are still healthy and not wait until we are sick to retire.
My father could have retired when the factory that employed him closed down.He had a good pension at 62 but chose to work another twelve years in another job.Then found out he had cancer just as my mother had a stroke and he became her full time carer for the next three years till he died and I took over. He needed the social contact and never knew anything but work. However, I learnt my lesson from this . Life is more than work whatever your circumstances or income but few realise this for some reason.
I am right there! I'm 51. The last 15 years have been a struggle - health issues, a few homeless years, financial loss. I now have a cancer diagnosis and I'm alone with no family support. At least this type of cancer is very treatable. But there are no guarantees, of course. I hate where I live and I can't say I love my job where I only make enough to be hand to mouth poor. I'm really just existing. I just cashed out my tiny retirement fund in preparation of relocating. I don't know what the future holds. But I know I don't want to waste it. I'm tired of the lifelong slog of working, but I don't really have a choice to not work. I'm sitting here on the verge of tears because my life looks nothing like what I thought it would. I'm looking forward to moving back to a big city out of the country.
I never heard someone else mention "retirement" as a goal to achieve by working. Love that!
I have wanted this my whole life. I appreciate that we all need to do our bit but the fact we have to pay such a high price to be alive on this planet is ridiculous.
that's been my goal for the last 4 years lol. I have 4 or 5 more to go :)
For me it’s not just about the money, it’s more to have the time and brainspace for all my creative endeavors 😇@@Judep4237
Halfway through my 30’s I started longing for retirement. Since I became 50 I started doing more of the things I would like to do. Not so much focus on worklife but focus on my wellbeing. The next 15 years will now be more bareable 😊@@ebonywinn50
All my life i got pressured from everyone because i didnt make the most of my university degrees. And i never had children. I made choices that most dont make. I worked labour jobs because working outside felt better than an office job. It also afforded me the time to travel to 3rd world countries for months. Then i got a govt job (still outside) with a pension and my future looked much brighter financially. I have been very frugal my whole life and yet i still was able to travel ( as a frugal longterm backpacker staying at hostels). Now 64 and will retire soon with a very modest pension but still i have one! Now i will travel even longer than 6 weeks a year at one time. So fortunate. Regrets? No really. Wish i had grandkids but never wanted the kid part of it. Haha. We all make choices and make sacrifices. Im glad i bucked society and did my own thing years ago...
For sure. Life is for living to me. I know SO MANY PEOPLE, including my parents, who followed the "give up your life for a job, security and a pension" routine, only to be so sick (from stress and poor lifestyle choices) in retirement that their biggest social activity is doctor's appointments. Yikes. I have insisted on being self employed and lived at the poverty level, but not poor. I do what I want to do (aside from things that take money like travel), but I focus on the things I love and now at almost 60 I'm expanding my business, but for fun, not out of fear that I have to make money or I'll die! Everyone dies, but I take care of my health and a big part of that is not stress out about stupid stuff. I do have children, but did it unmarried because their dad was a nincompoop. Free from that drama too. We don't have to "conform" to social pressure to be a certain thing in life, thank God. We only get so many years, I can't imagine throwing them away to do what other's think I should do. Just ain't worth it. Peace!
I can definitely relate!!
I so agree ... buck society, be a rogue, be a renegade ... listen to your own drumbeat ... don't waste your energies on societal norms. Remember what Frank Sinatra sang us, "I Did it My Way"!!! thanx for your share reminder ... its so easy to get hypnotized by "shoulds" and "have to's". Many Blessings to everyone and everything everywhere.
I'm a woman who didn't have kids.
I work part time as a nurse after 40 years working mostly full time with two years on a covid floor during the pandemic. I started traveling at age 55 because tomorrow is not promised. I take three “big trips” a year ( age 61 1/2 and retiring at age 65). Im healthy now to travel and don’t want to put it off any longer. I consider myself semi- retired now and am slowly easing into full time retirement.
Thank you for your lifelong commitment to the medical field. You are appreciated.
Live every day like it’s your last. Don’t wait to enjoy your life. I retired early so I could travel with my husband. I don’t regret one day!
It’s great to enjoy the youth of your senior years, smell the roses and adventure. However don’t make it all about you, there’s much joy and meaning found in using your extra time and money to benefit those unfortunate people and animals around you who cannot help themselves. That’s real satisfaction to die with.
that is so beautiful, but some of us spent our whole lives benefiting the others and did nothing for ourselves. So it can now be all about me because I paid my dues big time. And of course I would never turn my back on someone needing help and do rescue animals but not on a "mission" like I was before because I neglected myself and didn't even know it until a few years ago (81 now)
Agreed..
I am 71. I also have lost many people in my life, and almost all of them from their own lifestyle choices, ages ranging from 51 to 77, through diet... drugs... alcohol... tobacco... and refusal to be vaccinated. These choices resulted in obesity, heart disease and stroke, overdose, throat cancer, and COVID. I could not do anything for them or change their bad habits. Only they could have made the changes. Now, I have no relatives, friends from high school, lovers, and no husbands (2). No one from my past to call; no one who knew me when I was young. Each of my loved ones had endearing qualities and each is missed. Each could have lived many more years and fulfilled many more dreams, and furthermore would have enjoyed much more the limited years that they did live, if they had just treated themselves better. All of them had pensions and retirement savings waiting for them. People, savings and pensions and dreams mean nothing if you don't take care of yourself.
Um the vaccinated are dying of the actual poke. Unbelievable how people are so ignorant and thinking for themselves.
Well said
I hope you can find happiness making new friends and acquaintances.
I retired at 58, in 2020 best move I ever made, no depts, if you can afford it retire as soon as possible, don't waste the go to years working
Same age. I'm tired and don't feel I have the energy to do my job full time anymore...I am not sure what I'll do...No real debt, but this economy is not good and I live in big expensive city. Also, single mom to a college student, whom I'm helping with expenses. Tough decision.
Yes I think everyone has different circumstances, but I think you must try to think of yourself as well, because time won't wait for you, it's very difficult
@@CynthiaAva I’m tired too. Consider moving to outside a smaller city to lower your expenses, and possibly getting a remote job. Just the change alone (new place, new people, new things to do) could reinvigorate you to work for a few more years. We’re seriously considering a move from an expensive west coast city. Columbus Ohio actually looks pretty good. Also look into the side hustle industry for your kid, or you. There are so many creative things for young people to do that make money to cover some of those expenses. Just today, I read an article that over 50% of Gen Zers have side hustles (wow, had no idea). He/she/they might just need your motherly encouragement to get started. I have a high schooler and I’m already thinking up things for her to consider. There are so many good lessons to learn from starting your own business, and a small one, especially a passion project, is manageable to get started. I read of a young lady reselling thrift store items she finds, or the other young lady that refinishes used furniture (sometimes into completely new purposes), and even a guy that breeds crickets, yes crickets, because it’s cheap and people have bearded dragons as pets.🤷🏻♀️That guy makes 30k a year. Do you possibly live where people could rent parking space from you, or have a pool to rent out, or attic space for storage? All these things were ideas in the article. Anyway, sometimes a big enough change in our life is what we need to get that energy back.😊
I retired in 2020 too. I was 57. Had 34 yrs working for the federal government. All I do now is travel. Visit the museums in my home city when I'm not traveling and exercise. No stress. Life is great.
It's so fun to have found your channel right now. I'm also a Jen, silver and solo, turning 53 this year. I spent the last 10 years thinking that my mom and I would travel together in our old age (my grandmother was still golfing every day and planning trips well into her 90's, and we thought mom would be too), but my father had a progressive illness that kept her homebound to care for him, and a year after we had to move hm into assisted living, mom passed away suddenly in late 2022, with dad following her in late 2023. Losing them both left me without a center of gravity for a bit, but I've started embracing 2024 as a year of reinventing myself, including using some of my hard-earned money for bigger travel than I've done in a long time. I have a trip planned to visit Vancouver for a weekend and then take The Canadian train for 4 nights from Vancouver to Toronto as my first fling... and already brainstorming on more adventurous destinations for 2025.
THIS! I'm with you sister!
You should put some videos out there!
Sounds great...maybe...look up some tips for overnight train trips... I did that last year and wished. In little ways, I was more heads up on it.... very enjoyable...
@@jhmstagg9104 Thanks - I've been binge watching a lot of train videos - The Canadian has some fairly meaty travelogues - and reading a lot on the comments/questions on the VIA Rail subreddit, so feel like I'm getting a decent idea of what to expect, but I'd welcome any tips. :)
Loved your courageous story! At 52 yrs., I was laid off as an editor in a corporate-style nonprofit. At 53 I became an English (ESL) public school teacher. I love the immigrant students I work with and now have been doing it for 21 years, at 74 years of age. I'm in excellent health and plan to continue working until I reach almost full pension at year 25. You're getting me thinking, however, and again thank you!
Do everything you can while you can. I’m 64, and was perfectly healthy and planned on working until my SS kicked in, then I slid down a hill and broke my leg. Life has been crazy ever since, and I’m so grateful I did everything I di do when I did. Life is too short not to enjoy it while you can, because you never know what the future holds.
Thank you for starting this channel. I'm 67 and lost my savings due to layoffs and poor planning. I started my current government job at 58 and my home is almost paid. My car is paid but I need to look at buying a decent used. No other debt. I've saved $200,00 in a Roth IRA and deferred comp plan. I haven't touched my social security and will also get a pension. Total if I retired now would be about $4,000 a month and $5,000 if I wait until age 70. We have gone through some parallel experiences, and I am looking forward to watching you go through your journey. I've traveled throughout the US during my life. I've had some lengthy trips to Scotland and England. I went to Ireland last Fall and have an Island-hopping trip in Crocia this fall. You are an inspiration.
Both of my parents lived to age 91. My Dad loved to travel, my Mom did not want to travel. I was able to take them both on a cruise before they got too old to travel.
I hadn't planned to retire, but my health forced me to. I'm still employed, but on leave for nearly 2 months. Retiring officially in 2 weeks time. I'm not completely silver, (I have long hair). Definitely solo though! And happy about that, don't think I could share my space and life with anyone again. Looking for modest, budget adventures, due to health and very limited finances!
I retired at 55. Since then I have reached my goal of traveling solo to a new country every year. I go for 1 to two months...slow travel on a budget. I stayed at hostels in expensive countries to keep the cost down and guest houses in other countries. Use public transport etc. Always have a separate bank account growing for travel. Am 72 now. Had 6 weeks in India and Sri Lanka last year. Planning on England and Morocco this year. It is getting harder on the body but still have lots of places I want to see.
Girl, you could write a book! A travel book. You should! In fact, I'd like to insist that you do! Any tips would be welcome!
I like the idea of that separate bank account.
Ake away some of the worry
You inspire me, thank you
In my late 20s, i met a man who told me, "retirement is not a function of age, but a function of income." Wish i had understood. I thought either i have to be wealthy (have lots of super) or work til I'm old.Little did i know there was a third 'option' - forced retirement due to ill health. But "heyho, we make our own sunshine!"
When will we ever have enough income? lol
@CynthiaAva it depends what you want to do. A lot of people waste money on silly things and then complain that they don't have enough.
I moved into Town. Best decision as every thing l need is here. I am alone so it was vital. Snow and ice scared me living in the countryside.
Hi! This topic is of interest to me as a 61, about to turn 62 year old considering retirement at 62. I don't want to spend the youth of my senior years tolling at a job when I would rather be pursuing my hobbies, travelling while I still can, and taking care of my health.
I love this. The Youth of my Senior Years. That's where I am at, age 63, retired for 3 years. However my husband is 74, has been retired for 14 years. He basically has spent most of that time doing work around our farm and watching TV. I on the other hand and always active, hiking, trying new hobbies, meeting with friends. He is having health problems and I'm turning more into the role of caregiver. I was hoping we would have at least 5 years to enjoy but he has no interest in much of anything. I on the other hand, for my own health and well being, have to continue to stay active and have social contacts. It's a balancing act for sure. I'm still traveling (dragging him along) but my younger sister and her son are able to join me at different destinations. I'm not opposed to traveling solo either.
I know what you mean about having a spouse who sits and watches TV for many hours a day. It is as if he has no motivation and energy to do anything unless I nag.
go and live life, do things without the spouse. There are more than a few in our family who retired and the husband does not want to do anything but the same rounds or tv, and close to home. My SIL travels all over without him with her best friends, her daughter (and her family). She has been doing this for more than 2 decades.
If you have grown children, let them check in on hubby.
Go and live!
Understand the wanting to do more travel /adventure than spouse part. I think it’s OK to have some goals that are separate and live with no regrets. There will be some things together and some things separate.❤️❤️
I did things the opposite way around. I travelled in my late twenties to early forties. Bought my home early 40’s and had children. I feel like I’ve travelled well in my youth and now my time is for my family, paying off my house and saving for retirement. You HAVE to seize opportunities as much as you can, while you can. Live life for those who can’t. X
Well I’d like to do more but am stuck caring for my 97 year old mother. This is the reality for many younger retirees these days.
If I had caretaking to do over again for my dear mother, I would get more help and not feel so guilty when I had to leave her.
Working just to retire sounds so much like living for the weekend. Wanting time to go faster seems like rushing toward death. I am lucky to have had work that I liked, that was meaningful, and paid reasonably well, and I know not everyone has that. I admit that now I am retired, it’s pretty great, but I am glad I enjoyed my working years, because there sure were a lot of them!
You are very interesting person, full of energy young lady with incredible sense of humour, so intelligent and witty. I found your video in my recommendations (because I watch videos which could help me learning English language). I'm so glad to find your fascinating videos.
I'm a student of Moscow State University, faculty of translation. Although my fist language is French, I like English language, also English painting, literature and poetry.
With the warmest and the most kind wishes from Russia. Thank you very much for your videos!
On the other hand, if you work until 65 or 70, that’s 10+ years of active retirement you won’t have for travel. Many financial advisors say to collect SS early, especially if you want an early retirement. It’s a casino gamble on how long we will live. The government wants us to wait as long as possible because the odds work in their favor that we won’t live to collect it. I’ve decided that moving to a cheaper country is the only viable way to get off the hamster wheel early. We can always work remotely these days too. Live in a cheap country and work in a higher wage country remotely. Thanks!
Which country(s) do you have in mind?
Indonesia is one of them. At least some parts of the country.
I retired at 67..but in my senior life travelled the world saw a lot did a lot...now at age 75 i learn to feel safe by myself...that a big voyage..
Tkx for sharing.
Regards frim holland🎉❤
Turning 73 and still, working . I don't have $ to stop and travel solely. Good advice on futue plans. Yes ....
Think about weekend or one day trips to interesting places, museums, or classes in your area. I took several classes from a religious community about 2 hrs from my home. They teach, not religion, but the forgotten arts, like weaving, cheese making, beekeeping, carpentry, pottery, and quilting.
Turning 38 this year. But I am already 10 years into MS diagnosis and don’t know how many good years I’ll have left. My health has already taken a nose dive the last 5 years.
I know this is comparatively young to your stage in life, but I am starting to feel for the first time in my life the nipping of middle age and the speeding of time. Possible regret for my life choices so far, and looking at what crucial next steps to make with my remaining “youth” and more importantly health that is quickly passing.
Your video meant a lot to me in opening my eyes to this important message. I need to find courage to make big moves to enjoy this short precious life. Thank you much and wishing you the best experiences.
I will be 65 in October.....my last work day will be 9/13/24. And, I CANNOT wait! I am so-over corporate America and slaving to its 'bottom line'. It's all about the $$$$. All I want to do is have a little part time job doing something where I can give back, collect my SS and 401k. My plan is to actually use my degree (finally lol) in public health and work part time for a non-profit helping the homeless and/or working at an animal shelter. That's my plan and I'm anxious to get started! I'm a pretty youthful 65-year-old so I like being physically active - going to the gym will be a regular thing for me, as it has been for 40+ years. Anyway, I'm new here! Glad to have found your channel!
You go girl ! I was healthy and able one day, then 24 hours later in ICU. No accident. I got a serious case of GBS. Totally changed my life. Don't wait. Enjoy as you can when you can. Hugs!
Great videos. Thank you. I am retired, and spend major time exploring new recipes and experimenting with gluten-free cooking after I renovated my kitchen. I love it. I am divorced, and live on my own, but GOD is with me. I volunteer 3 days a week, garden and exercise. I am really grateful. I have a few good friends, whom I love hanging out with also
I love the term Youth of Senior Years!!!! I have been thinking about the same since 2018 after I took over caring for my mother. I saw her decline first hand. After I bought my retirement home in a senior park I saw residents got older, moved to assisted living, or passed away. The chorus I sing with since 2016 I already lost 4 sisters to illness and old age. I retired as soon as possible to take advantage of my Youth. From my observation, many slow down after 75 even when money and mobility are not issues. It’s just “I am done”. Some do stay active into their 80s but don’t count on it. My mom, uncle, and aunt stopped traveling by 78 (they are in their 80s). Another uncle who’s a commercial pilot never really traveled before he got Parkinson’s (just had his 90th bday). His wife wanted so badly to see the world but has been stuck as a caregiver for 25 years (she’s 88).
I got out at 62. Only have taxes, car insurance and utilities to pay. House paid for (due to inheritance). Live on 800.00 ss and still can save a little. Don't do anything though. If I wanted excitement I'd do the whole VanLife thing. Trust me, retirement IS the BOMB!!!!!
what about health insurance, if I may ask? Don't you have to pay that too? Dental/vision?
I opted out of anything that wasn't paid for. They took $173.00 from my SS account until I responded in writing to the IRS to NOT do so. I'm not a big Doctor person, so 1/4 of my income for visits was a no-go. As for dental/vision. If I need one I can save up for it. Screw alllllll those companies who want to take me by the hand and lead me to my death. Not one insurance company gave one shit about me before retirement.
@@requinremembers
I cant see living today on $800 a month. Health insurance alone and dental......house repairs, food, medications, on top of taxes, home insurance, car insurance, car repairs, clothing......impossible. And utilities.
It's not easy, and I do get food and some reimbursement for wood. Also, got in on the free internet and discount phone during the pandemic. Monthly Breakdown: Elec: 60.00/ Phone/Internet 9.00 Water/Sewer 60.00 Car Insurance 50.00 - No dental, no doc visits, but hospitalization. Oh, and I have a horse on tribal land @ 90/year and she costs me $160.00/mo to feed also, but only 9 months out of the year. It can be done and sometimes I save. Pay your mortgage off #1.
@@sussika1231
It seems your county prop taxes are much lower than mine, which are a crippling $800/month +. My SS is a mere 570.00, am squeezing approx 6k/mo out of savings interest. My adorable old house/garden need constant funds/labor etc.
“Youth of your senior years”. I love that! I’m 68 and recently divorced. I’m pretty healthy and I feel like I’m in the beginning of my senior years. I don’t want to waste it!!
I took my CPP 12 years ago at the age of 60. I choose not to wait until a later date because waiting for a higher payment at a later date was like buying the lottery. Every day I am reminded that life is short. I have done a fair bit of traveling; I have taken at least one or two trips each year and still traveling.
Another youtuber said that at age 60 you have approximately 1000 good, healthy weeks left.....use them well.
At 60, I don't have huge travel plans, but am looking for a simple life, cabin in the woods. Using my time to be in the outdoors and help others. I started taking some retirement funds every month and plan on taking social security at 62. Even though the SS will be reduced, I will make up for it in years lived...my family genes are 85+ years old.
At the end, make sure you did those things that you feel are important to your life. Don't leave any cards on the table.
Oh, funny you should mention that about the 1000 weeks! That was Azul. I just finished watching a video he just dropped less than an hour ago and he said it again in that one, lol.
I love your plan. Mine is similar. I'm mid fifties and I'm going to keep working, and fitting in my travel using all of my vacation each year. I quit waiting for the Boyfriend to be able to or want to go. I just go now.
Good for you. And do you go and with no cynicism ? I say that because I think it’s important to just make it clear how important it is to those of us who like to go and it’s OK if they stay where they are at but both get to do what we want. Best of luck to you. ❤
@@kathysheeran6589 nope no cynicism. He knows he is always welcome to come with me, and I understand he doesn't want to do the same things I am excited to do. For us it works well.
A friend of mine has always said, make your decisions & follow through or the universe will make them for you. It sounds like you've made very thoughtful decisions & I'm sure you'll put them into action. Good luck!
I think balance is important at any age. Work and do the things you want to do! I plan on working as long as possible- as long as I still enjoy what I do. I make time to travel and do the things I love. Sometimes I have to do those things cheaply and sometimes I get to spring for an experience. So sometimes I travel to new countries and sometimes it’s the next town over. Here’s to the youth of my senior years!
Well said!
Great inspiration! A year ago I had a scary accident. It’s a miracle that I’m still here. 46 years old. I want to LIVE. Stuff like that changes your perspective and priorities for sure.
This is my first video of yours. You are a very wise woman!
I have a different story but have the same philosophy! I’ve always wanted to travel, and I did! I read somewhere to travel before turning 70. My husband of 53 years and I did it and were lucky enough to have money to do it.
Amazingly, at age 70 he was diagnosed with Parkinson’s disease. He wasn’t quite right before that, but could still travel a bit.
He died in 2021 at home hospice. That was awful, but he/we lived a great life!💔
As you elegantly explained, don’t put off until tomorrow, because tomorrow may never come.
I pray that your life is filled with travel, travel, travel! I’m 77 and still love it!!! In the past couple of years, I list my husband, my 52 year old son, have had spinal surgery AND quadruple bypass last November But I’m heading to Las Vegas on April 2!
Life is good and I plan on keeping on keeping on!!!
Good for you on your decision. When I was in my early 50s, I was finally in a position to start the travel I wanted to do. I remember the wake up call was meeting a couple in the hospital hall that told me their family life expectancy was 56. They were already sick, had lost many of their (combined) 22 siblings and had only illness and death to look forward to. That day I started making my plans to not waste my healthy years.
I still have a mortgage because of diverting money to travel, but I have no regrets. I volunteered in Africa at age 56, had a fairly short travel bucket list and completed them before retirement. These were the 5 or 6 'I'll be really pi$$ed if I don't get to do them' trips, or ones to places that were changing or more difficult to do when older.
I had this mental plan of retiring and spending 3 months a year living somewhere warmer than Ottawa. Well, I realize I can do that after 75 or even after 80..when I am in that older time of retirement. So I may be away for only 6 weeks, but it is to places that test me...India, SE Asia...so far. These are exciting and rewarding, and challenging while I can still do them.
There is a reality that traveling while earning an income is actually more financially possible than trying to do it on a fixed income. Good for you for finding a way to make it happen now.
I wish you many years of wonderful trips.
I'm so happy to learn I'm not alone in this thinking! Keep going sister!
I had a contract with a temp agency in the 1970’s. The company I worked for hired me full time and made me a manager. That was even before I had a college degree.
Me too. I loved temping. Shame it is isn't as easy these days for younger people. I worked in some great places, interesting jobs, and in employment that made me realise that company was not for me.
Temping is a great way to find out if you like a place and if they like you. I encourage young people to try it while they are looking, and they might gain some experience! They won’t try it though, because the pay isn’t very good. But it’s TEMPORARY.
I am 65; healthy, active- I work two part time jobs so that I don’t have “office politics” which is pleasant. I’m a widow now, so I really need to work until my full retirement age. The economy is rough so I will retire and only work one part time job. I DON’T want to be 100. I don’t want to outlive any of my children or grandchildren ( of course, no one does). My father in law is 99 and hopes to go past 100. He does complain that he has outlived one son ( my husband) and possibly a daughter who is now quite ill.
So I will retire at my FRA which is coming right up! If I last to 72-75 in good physical and mental shape, I will be very happy with that.
Me, too. I loved temping...and it lead to some great long term jobs. @@pumpjackpiddlewick
Oh, this message is GOLDEN! Thank you! I wrote it down on a Post It note and have it right here in front of me. “Don’t waste the YOUTH of my Senior years!” This is so timely to me, personally. I will be 70 in a few months. ( I feel like I’m 40!!) I have been an elementary school teacher for 41 years and have loved it! I am forcing myself to retire-LOL- at the end of this upcoming school year. 🎉This message is what I needed. I am in my YOUTH!!
So glad I stumbled across your channel!
My husband passed away in 2005 so I was working until I was 67. I started drawn his Social Security at 60. I still had wanted home and now they’re all three gone grown and gone. I’m 73 and I drive his pension and his Social Security I live in South Dakota and yes, I wish I had planned to do better. I’m debt-free and I have a little savings, but nothing fun like riding the train around, sleeping in the car my husband was only 56 when he passed away in a boating accident your videos, food for thought❤
Happy for you that your channel is growing!
I’m the type of guy who always thinks ahead. So no big surprise that I moved to the Philippines in 2018 @ 55 to get ready to retire at 62. I knew I’d fare better on SS retirement here than in the US, but I didn’t know how much so. As a single person, it’s apx $250 USD a mo here in the lower priced areas. I’ve fully adapted over the past 6 years to the people, weather and Filipino lifestyle, so most of my SS check will be going into savings. Life here is super easy, comfortable, affordable, and unlike in the US, I’m living financially stable and secure with money in the bank. No need for a special ($$$) retirement visa here either. A basic tourist visa is fine for living and retiring here. ❤
Enjoyed your videos and just became a subscriber!! I retired in 2021 at 60, earlier from my RN career than I expected because I refused the jab and couldn’t keep my job. I took social security around 62 and supplement with my retirement savings. My pension won’t start until I turn 65. I live in The Villages Florida is a +55 community that people call “adult Disneyland” and loving life. I had worked since I was 15 years old and held multiple side hustles on top of my full time RN job. I care for my 85 yo mom and 3 dogs. I don’t want to go back to work- time with my mom and for myself is more precious than money. Fortunately, living in The Villages is like being on vacation full time. Living like a millionaire in a luxury resort on a paupers budget!!
I so related to your story about making a plan to exist from your job. I did that from my prior long term position- worked a ton, maxed out my retirement savings, paid off all my debts, sold 90% of my belongings in an estate sale, sold by big, high maintenance, high mortgage, high tax home and bought a new home, low maintenance, easy to care for, very low property tax and no state income tax and the best party - NO MORTGAGE- paid cash from the sales. I live in the best place to retire in the world - The Villages!! Most important to be debt free and have one’s health. I am working on improving my health now.
Loved this video Jen. I'm with you! At 65 I'm still working (until 71), but I have a good job, lots of vacation, a good salary, healthy, and a lot of dreams! But I too, refuse to waste the youth of my senior years. So let's keep exploring!!!
So glad I found your channel. I will be watching.
I lost my last big job at 50 after nine back breaking stress filled years. I totally relate to your content. I am sharing this with my 55 yr old daughter...
Thank you, I really needed to hear this!
The youth of my senior years-I love that so much! I'm 58 too and trying to sort out what I want from my future. I've subscribed!
Very glad to have found your channel.
I just love that you brought up your parents so well and that they are currently off cruising. So heart warming!
You are so wise to be reflecting and considering your third act and how you want that to be.
Lady, you are an inspiration as well as a reminder that my husband and I did the "right thing" jumping into our traveling time in the past decade. Now, we opt for the quieter life and this is rich and sweet, too. Keep on moving and producing these talks. Peace, Gloria
Glad to be here!
Thank you! Refreshing! Am 58 also, just resigned and am getting my pension triggered now. Soooo many are half dead by the time they reach 60 and not in a fit state to enjoy their best years! Great title to the video. Really resonates 🎉❤
I'm 58 and going to retire this year. Many of my colleagues trying to convince me to continue...ahhh, but the body is tired. I have seen big changes in my energy level and health..arthritis suddenly set in both knees. I want to enjoy any time I am blessed to have. I've been at the same job 27 years. I want to enjoy some free time now.
853 subscribers and moving fast! Keep sharing everyone! ❤️💃❤️
Hello Jen good advice. My dad retired at 62 became he saw so many guy work to 65 and pss away just after they retired. Thankfully he lived to 93. 💕NonnaGrace 🐓
You go, girl! Wishing you many happy adventures and years. Thanks for sharing the ride!❤
Good for you!❤ Again, so inspiring.
Loving your channel and sharing🫂thankYOU for posting your adventures.
I find your channel very reassuring! Thank you!
Thanks for being so real !
Good plan!! You gotta live your best life. I will enjoy keeping up with you. I am 66 now, lost my job of 33 years at 57 I think it was. I had already started payment on a 15 year mortgage (in 2010) on a small retirement cabin in the mountains (North GA) so I quickly sold my Northern VA townhouse and moved to Georgia. The cost of living is much less here, no auto property tax, lower real estate tax, lower utilities. A lot less shopping opportunities without driving a couple of hours so you learn to do things other than buy more stuff. I did try to find a decent job after moving but finally gave up after a couple that I did not like. I had enough in my IRA and house sale proceeds to do some repairs and ultimately decided to pay off the house and just retire. I did some beach trips and camping trips but then there was the pandemic which slowed things down. Now, I have no mortgage, just a car payment. Doing some home improvement work and last year got started camping solo (with my Westie dog). I plan to do more this year. I have plenty to live on with a pension and SS, a little extra. I started my pension a year early and then SS a year early ( because I spent too much of my IRA....). But life is A-OK. Cheers to you !
I retired in 2018 and I have never regretted it one day. I retired debit free and God has blessed me through the Pandemic I was fine and I would never go back to work unless I absolutely had to. I love doing what ever I want or don't want in my own time. It's my way of living "free" (free to do has I please) Blessed and Happy
Hi..Ive just found your channel & love your outlook/perspective so far. Look forward to catching other episodes... !
I agree with enjoying and actually living your youth of retirement!!! Travel is so awesome!!! Thank you for reminding me to just keep going!!!
I had a typing speed of 75 words per minute. Took 2 years of typing In high school. I graduated from high school in 1966 at the age of 17. I just dropped in to see your subscriber count. You are on fire 🔥!
You were spot on from a young age as far as the inane world of work is concerned. That degree did you no harm!
Same here,appreciate your video,so helpful.Bless you🎉
I’m a new subscriber from SA, I’m in my early 50s and its lovely to come across your channel
Thank you for your honest reflections.
I worked as a temp too back in the day but it was a means to an end. I retired at 37 and it is brilliant. I have had part time jobs and side hustles but will never work nine to five again.
Wow! Powerful message there, especially with the examples of your uncle and your friend from childhood! Yes: what are we waiting for?!