Why You Should Retire ASAP! (10 Reasons)
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- čas přidán 30. 06. 2024
- This video discusses 10 excellent reasons to retire as soon as possible. The video discusses the very real time limits we all have when it comes to time in retirement, which period of retirement is most impactful to your life (and the lives of others) and what else you should be thinking about, besides how much money you will have saved when the day comes.
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Most Americans find it hard to retire comfortably amid economy crisis. Some have close to nothing going into retirement, my question is, do I pull cash from my 401k and buy a house, or spread my money in stocks for cashflow? I'd love to afford my lifestyle after retirement?
Lately, I've been contemplating retirement, uncertain whether my 401(k) and IRA will ensure a secure future. I've also invested $200K in the stock market, experiencing fluctuations without substantial gains.
Opting for an investment advisor is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 45% since Q4.
Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?
Sharon Ann Meny, is the name , Just search the name. You’d find necessary details to work with to set up an appointment.
I just googled her now and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
I retire in 10 days at age 65. I will have enough to live on but not wealthy. At this point in my life, time is worth much much more than money. Puttering in my garden, spending time with my kids and grandkids and a little travel is enough.
Congratulations Kate
So, so true Kate
Congrats! Enjoy your retirement.
You’ve arrived. Me too. Blessings.
Congrats 🍾! Enjoy!!
More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000
Mind if I ask you to recommend this particular coach you using their service?
'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
My original retirement plan was to retire at 62, work part-time, and save money. However, high prices for everything have severely affected my plan. I'm concerned if people who went through the 2008 financial crisis had an easier time than I am having now. The stock market is worrying me as my income has decreased, and I fear I won't have enough savings for retirement since I can't contribute as much as before.
It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of investing in the stock market and potentially grow your retirement savings over time.
Considering the increased complexity since the 2008 crash and COVID, I suggest diversifying your financial portfolio. I hired an advisor and successfully grew my portfolio by over $150K during this turbulent market using defensive strategies that protect and profit from market fluctuations.
Do your homework and choose one that has strategies to help your portfolio grow consistently and steadily. *Camille Alicia Garcia* is responsible for the success of my portfolio, and I believe she possesses the qualifications and expertise to meet your goals.
Thank you, I copied and pasted his name on web browser and sent a email waiting for reply.
I know a few retirees who live solely on SS. So if you have your house paid off and have a few thousands saved or invested I think you shouldn't lose too much sleep about these things. Yes you won't go on as many cruises as other boomers but neither do millions and millions of retirees across the world.😮
I've just retired recently and I must say I found this video informative and great to review. These psychological concepts are much more useful for individuals attempting to avoid mistakes than I realized when I was first introduced to them. This is probably why Warren Buffett talks so much about temperament being crucial to his investing success.
Developing a solid financial portfolio is more difficult, therefore I suggest you seek expert assistance. The ideas you receive after that can be tailored to your long-term goals and financial desires.
Personally, I would say have a mentor. Not sure where you will get an experience one, but if your knowledge of the market is limited, it seems like a good bet.
Same thought when I read the comments from people. as if it's that easy! You can't give what you don't have. That's why as many as who go into the market with little to no knowledge will continue to feel the full downsides of stocks when it happens. I personally need some guide with regards to my 401k. How can I reach Catherine Morrison Evans?
Exactly the point! quickly do a web check where you can connect with her, and do your research with her full names mentioned..
oh! i never take this advises online seriously, but i checked Catherine up out of curiosity and i must say i am impressed by her Credentials. i emailed her already, waiting on her response
I'm really concerned a bank the size of SVB could fail, thus pulled $350k out of my bank, the FDIC provides coverage up to $250k only. I'd appreciate suggestions where to put my money at this point, for a comfortable rtmnt, and as well hedge against inflation.
Why didn’t you leave $250k since it was covered by the FDIC?
@namelessfaceless3122: 550,000 to 1.1 million in 20 years?
Ed Dowd suggests holding cash til the SHTF and then take action when there is ‘blood in the streets’.
You are part of the spammers. Go away!!!! It's ridiculous.
@@tinanolan1485Time to take off of your Q Tin Foil Hat!
Several of the biggest market experts have been voicing their opinions on exactly how awful they think the next downturn would be, and how far equities may have to go, as recession draws closer and inflation continues well above the Fed's 2% objective. I'm trying to build a portfolio of at least $850k by the time I'm 60, therefore I need suggestions on what investments to make.
There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
@@Erinmills98 I've been in touch with a financial analyst ever since I started my business. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders.
@@AstaKristjan Please can you leave behind the info of the F/A guiding you?
@@AstaKristjan Oh found her! Looked up her full name and she was my top search. Thank you for this! Really appreciate.
For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement..
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $760k by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns..
Insightful... I curiously looked up her name on the internet and I found her site and i must say she seems proficient, wrote her an email outlining my objectives. Thanks for sharing.
It’s such a blessing that my husband and I aren’t just married, but we’re also each other’s best strategic partner in business. I’m great at what he lacks, he’s great at what I lack and we have an Adviser to work with. Praise God!! And thank you for the awesome content!!!
The only way I was able to scale through all of this without stress was by working with a financial adviser. My adviser *ROCH DUNGCA-SCHREIBER* has always had my back all through the process of property investment and investing in general. You can glance her name up on the internet and verify her yourself. She has years of financial market experience.!!!!
Federal Reserve may soon lose control of interest rates, claims Heresy Financial. This comes as a result of the United States government's intention to embark on a $1 trillion borrowing spree. This might cause the banking sector to lose so much liquidity that rates spiral out of control and are no longer in the control by the federal reserve. I'm sorry to say that despite investing, I lack the mental capacity to evaluate each company's performance and decide whether or not now is a good moment to acquire stocks. My reserve of $650K is being wiped out by inflation and the recession. Sincerely, I have no idea what to do.
Bad year for me, META is down 40k, ALLP is down 35k, Draft Kings is down 6k, NIO is down 15K, ABML is down 8k, and my wife doesn’t know. I'm just hanging on to Jim Cramer's words about opportunities in volatile times so perhaps, I either wait for a recovery or pick profitable investments to substitute for my loss.
the market has gone berserk! whether you're a newbie or a veteran trader, everyone needs a sort of coach at some point to thrive forward
@@trazzpalmer3199 I concur with you as well. I prefer to have an investing coach's advice in my day-to-day investment decisions because their skill set is based on short- and long-term holdings for profit realisation and their unique analysis makes it practically impossible for them to underperform. My coach and I have been working together to invest for literally four years, and we have already generated over $1 million in net profits.
@@tampabayrodeo2474 Driven, may you let me know who is your coach? I've listened of coaching, an elective to sending cash out indiscriminately, where ventures are made in a individual exchanging account with the help of a proficient advisor. Is this exact?
@@champhallier8468 My Financial Advisor is JEANNE LYNN WOLF. I found her on a CNBC interview where she was featured and reached out to her afterwards. She has since provide entry and exit points on the securities I focus on. You can run a quick online research with her name if you care for supervision. I basically follow her market moves and haven’t regretted doing so.
Sincerely, I'm genuinely moved by what you said about early retirement. And yes i equally agreed with you It's the FREEDOM from being able to make a conscious choice, each and every day, in terms of how you’re going to spend your time… I have about 40k that I am willing to invest if given the appropriate knowledge and I am highly interested in investing. My greatest concern is losing money on a bad investment. I'm open to hearing your advice on how to make sensible investments as a result.
Yes, employing an invt-advisor is the best option, particularly for those who are about to retire or are novices who have little understanding of the market. Before I hired an advisor in March 2020, during the lockdown, my portfolio would fluctuate like a seesaw. With further investment, as of right now, this is how I've been able to expand up tremendously to seven digits in ROl.
Interesting. I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
Vivian Carol Gioia is the Consultant in charge of my portfolio. With over three decades of service, she's earned a reputation and internet awareness, so finding basic information should be simple.
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
The financial advisors we have used have been mediocre at best as far as returns go. One can get 4-5% on their own and that is all these advisors seem to return. We did much better buying equities in companies in the industries were work in.
Professionals have access to exclusive information and data that is not available to the general public. Implementing successful strategies requires accurate information.
Facts 👍
In order for you to be able to make informed investment decisions, it is important to have up-to-date information.
I totally agree how important it is to have an investment coach to support you in your day-to-day decisions. Their skills in balancing buy and sell positions with risk management combined with proprietary insights and analysis have consistently outperformed the market. Personally, I have made a net profit of over 1.5 million euros in the last two years.
@@darceydoberstein Investopedia reports a 41.8% increase in demand for investment advisors since the pandemic. Do you have a recommended advisor?
Retired at 52. No regrets. That was 6+ years ago. I could have made a lot of money in those 6+ years. It's not all about the money. And I loved my job. Many said I would be bored retiring so early. Quite the opposite. I rarely have time to sit down and do nothing. If you are bored in retirement you are doing it all wrong.
If you quit making money for doing something you love, you are doing it all wrong. Less generational wealth.
@@DrSchor Nope. I hope I spend my last dime before I drop dead.
I waited until I was old, 68, but got all the bills and house paid off. Now, I am actually living, I feel. Even when I am doing nothing, I am not bored, life itself is so fantastic, so many little things to enjoy, even just things like the soft noises my cat makes or how the light shines though the window.
I'm surprised you quit your job at such a young age, since you said you loved your job.
@@888strummer I don't know his reasons, but maybe he wanted to live a life.
Older brother retired at 48. He and his wife spent their 50s traveling the world, including 3 world cruises. He’s now in mid 70s, plays golf 7 days a week. My advice to young people is learn how to manage your money, save early, be thrifty and be lucky!
Heard someone say the best season for a fin.ancial breakthrough is now, especially with inflation running at a four-decade high. I have approximately $250k stagnant in my port_folio that needs growth. What is the best way to take advantage of this downturn?
The markt is volatile at this time, hence i will suggest you get yourself a financial-advisr that can provide you with entry and exit points on the shares/ETF you focus on.
@@jonathanburtnick Had a good run during my first year in the fin-market, I assumed I had a hang on it. However, things changed during the pandemic, and I needed to diversify into safe assets, so I approached a coach who devised a structure that matched my annual goal of 200kk
@Kang Minsu "Viviana Marisa Coelho", she has a web presence, so you can simply just search her.
@@dianarabbanii2 I looked up Viviana Marisa Coelho online and researched her accreditation. She seem very proficient, I wrote her detailing my Fin-markt
My portfolio recently reached 6-figures, and here's what I have to say about it.
It is important to carefully analyze your options and keep an eye on the economy when investing during inflation. Make sure your portfolio consistently reflects your risk tolerance and financial objectives by reviewing and rebalancing it. A financial advisor can offer tailored advice based on your unique situation and assist you in navigating the challenges of investing during inflationary periods.
Also, make sure they are acting as a fiduciary and not promising wild returns
Working with a financial-advisor could prepare you for life. While others were complaining about inflation, I was busy cashing out from my Diversified-portfolio, finally making over $370,000 for the first quarter of the year. I'm thankful that I was able to to get in touch with my coach, Joseph Sullivan Anderson, early this year. We were able to pay off our debt and start saving for our retirement thanks to Joseph Sullivan Anderson.
I've considered consulting with advisors. I need advice because I want to retire early and become more financially literate, but I'm not sure how effective their services will be.
My Advisor....would tell me that saving nothing is foolish, and that saving every cent that isn't already being used to pay bills or buy groceries is unreasonable if you want to retire early. A well-diversified investment portfolio is a must.
My advisor;Joseph Sullivan Anderson, acts as a fiduciary with significant knowledge and does not promise outrageously high returns. Working with him has been rewarding, and he has been extremely helpful in reorganizing my entire portfolio. Because of his many years of experience, he is an excellent resource for anyone attempting to comprehend the financial industry. I recommend that you look him up
Retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My parents both spent same number of years in the civil service, but my mom was investing through a wealth manager, and my dad through the 401k. My mom retired with about 4.2 million, but my dad retired with roughly 1.8 million.
This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.
@@KingDavid-jj7tk It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $21k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
@Alexander Webber I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same.
@Alexander Webber I might have heard this name somewhere, but can't really recall. I'll be following her up. Thank you. Do you know if she manages family fund too?
They never discussed that topic? Maybe he shud have done that too? Civil Service workers make. THAT MUCH Money? $6 million in Investments? Then You must rbe even Richer? You are a certainly doing what She did? Any tips on who she talked too or put her money?
My mother worked up until she literally died at 78 years old. She had a brain aneurysm while at work and died 16 hours later. My sister and I chose to retire much younger than our mother. Life is short and you never know how short yours is.
😳❗️You could live longer than you think ...
She may have died at 55 if she retired at 50.
The sad fact is you think work isn't life and hate it. "Get to do what I REALLY want to do, finally!".
I always chose work I REALLY wanted to do.
Why didn't all of you?
That was your choice and your mistake.
All about values.
You see people who work to 78 and die as "not having REALLY lived".
I see all of you as fools.
You wasted 45 years doing work you hated, never doing what you wanted.
How sad and tragic for 95% of you.
@@sammencia7945It’s awesome that you’ve always had the option have jobs that you REALLY wanted to do. Life just doesn’t unfold that way for many people. And smugness isn’t attractive btw.
@@sammencia7945 "Fools" is harsh, sir. Please keep in mind that some universities didn't even accept women until the 70's. If you wanted to be a teacher or a nurse, you had to accept a starting salary of less than $10K back then. It was also much more difficult for some people to be hired and/or promoted into upper management 40 years ago. If you had a family to support, you had to make do with the best job you could get because you didn't have the luxury of holding out for your dream career.
@@iriscsimbok5152
Push your BS Narrative elsewhere.
Women could get credit cards by 1974, abortions by 1973, and EEOC in 1965.
In 1979 women exceeded men in college enrollment.
All of those women could work as adults as equals THEIR ENTIRE ADULT LIVES and they are now ALL over the age of 70.
Women in 2023 are 60% of college graduates (but that is not discriminatory, eh?).
Your propaganda and victim culture will not be tolerated.
Lie to someone else.
I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are stupidly ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways.
Indeed, the recent market downturn serves as evidence that a vast majority of individuals lacked a sufficient understanding of the underlying financial dynamics at play.
@Margaret we’re only just an information away from amassing wealth, I know alot of folks that made fortunes from the Dotcom crash as well as the 08’ crash and I’ve been looking into similar opportunities in this present market, could this coach that guides you help?
@Margaret I just Googled her name and her website came up right away. It looks interesting so far. I'm going to book a call with her and let you know how it goes. Thanks
@Margaret k
Mortgage rates are low compared to historical norms. Houses are way up in price, but this should help you when you sell your current cash. I would NOT count on a housing crash. Fluctuation? Sure. But look how fast it recovered from the financial meltdown. Don't count on that happening again. Buy for a place to live, not as an investment.
This is the 4th Monday of my retirement. I hated my job and left as soon as I became Medicare eligible. Every Monday feels like a big win!
Isn't it great lying in bed on a Monday morning knowing you don't have to get up? I'm 56, quit my p/t shop job in January, still do 7 hours a week as a self-employed cleaner, but I do it when I choose to. Tonight, I got my tent packed up in the car and am off camping for a few days tomorrow, to take advantage of a mini-heatwave here in the UK. My husband works 2 days a week at the week-ends, really easy job, so we have the week off. I have time to cook. A blogger I follow makes up 4 Bento Boxes for her lunch and I have just started doing the same. I go to the shops and spend £10-12 on food and get 8 Lunch boxes, so £1.20 for lunch each. I buy salads, a protein and bread, maybe make up a pasta salad. Last week was Italian themed, this week is greek, with Feta cheese and hummus. Having more time means more time to plan healthy cheap meals, and make them up. We have an allotment and grow our own veg, so once all the salads are big enough to eat, I will be able to halve the spending on lunches.
investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good??>>>>>>>
Considering that I am only three years away from retirement, it becomes challenging for me to solely concentrate on the long-term perspective. Despite having invested in reputable companies and having a significant amount of funds allocated, my profits have been stagnant. This situation raises the question: Does the current recession and unstable market offer any calculated risk opportunities for generating profits?
I understand your concerns, my friend. I recommend exploring passive index fund investing and expanding your knowledge in this area. Personally, I experienced both successes and challenges when initially seeking a reliable passive income........>>>>
how do I get in touch with this consultant that assist??>>>>>
STEPHANIE KOPP MEEKS, that's whom i work with look her
Thanks for these recommendations.....,,,
1. Your health - nobody knows how many days they have left
2. Stay healthy - preserve your health
3. Longer active part of retirement - maximize the "early" stage of retirement
4. Escape - get away from a job you can't stand
5. Care for family - take care of someone you love
6. Relationships - recover friends and family members
7. Hobbies and interests - pursuing things not possible while working full time
8. You have enough - you and your advisors think you've met your financial goals
9. Learn new things - learn things not possible while working full time
10. Your health insurance is covered - you don't need employment to have health insurance
It is sad, it is sad, it is sad that you don't have a job you love.
Why are you all not doing these things NOW?
I do not understand you.
Most of you behave as though you had no choice for 45 years.
@@DrSchor
DrSchor, are you and I the ONLY ones here who enjoy working and have a positive attitude?
Seems only 5% like to work.
95% hate it, fear death, fear not "doing what I really want to do".
@@sammencia7945 it’s sad that many folks don’t love their work. I believe much is mindset- everyone is working a job they chose. Choose a better attitude and/or a more appropriate work.
@@sammencia7945 I love what I do, but some jobs become intolerable. I changed jobs after 15 years of the slow decline into what I call intolerable. Some people (I know personally) believe that they cannot get another job that pays as well or has the benefits. Some think they are too old. Some do not like change. Some work so much that they have no time for those 'other things" which is the category I fell into. I worked 5 or 6 days a week and spent the other days recovering or doing 'chores'. Most single people have to take care of it all on their own.. no spouse to take care of the 'honey do's' or errands, shopping, or many things that have to be done. Much less time for hobbies or social life. I now have a job that I do like and made the decision that if I ever felt that 'dread' going to work, I would quit and find something else. It is not a one size fits all.
I will retire in 2024 at 75 years old. I still work part time and obtained two educational degrees over the past seven years. I enjoy the lifestyle and so do many of my friends who are retired. Learning and earning still works for me.
Inspiring! Coming up to 60 and I've got a lot of curiosity about many educational opportunities...
I biked 7 miles to work every day for many years. It was a rural route, with low traffic. I used to joke that someday when they were doing my autopsy, the Dr. would say " This guy has the heart and lungs of someone 20 years younger. It's too bad about that truck mirror sticking out of his brain!"
Well, I retired at 57, and I recently found that proverbial truck, when I was diagnosed with Pancreatic cancer. No cancer or even early deaths in my family. No smoking or other risky lifestyles, but here I am. I'm so glad I retired early. I had five very great years of retirement, but my chances of having another five are pretty small. If there is a way to go early...do it!
Good luck, friend...
I'll pray for you that you find Jesus
@bruced.370 Because of Jesus, I know that I am safe, no matter how the cancer diagnosis plays out. I will either be healed temporarily and survive the cancer, or my body will die, and I will be healed forever in God's kingdom.
So sorry for everything you must be going through. Happy you had 5 healthy years of retirement. I had to have emergency brain surgery a few years ago which really shifted my mindset and appreciate things. I hope you’re able to recover and enjoy your retirement. 5 years just doesn’t seem fair. Your comment is exactly what I needed to see today
Bless you❤
When I graduated college, I immediately created a retirement plan. I took a columnar pad, and plotted out how much I needed to save and invest to retire at 50. I didn't really understand inflation, or how much I would need to save. I also didn't factor in career success, and what that meant for my saving rate. So those two factors cancelled each other out. Several plant closures, sales, and layoffs later, I was 50. I was way ahead of where I thought I would be, so I retired. 16 years later, it is still working so far.
I retired at 56 taking advantage of an early retirement program. I did so to take care of my 95 year old mother. I missed work but did not regret a minute of it when she passed away at 97 and I kept her out of a nursing home
With changes in the economy leading to instability in the stock market, some individuals may face a decrease in their investments in an effort to benefit from the current market conditions, I am considering liquidating my $725k portfolio consisting of bonds and stocks. Someone else in the same situation? Please tell me in the comments!..
would suggest you thoroughly evaluate the companies you have invested in and their estimated future performance, as we may expect to see the market decline further. To minimize stress and improve efficiency, it might be wise to seek the assistance of an investment advisor to help restructure your portfolio and identify any underperforming investments to offset. This approach has been successful for me and has reduced my stress levels.
I have been exploring the possibility of utilizing advisors to help navigate the stock market during these uncertain times. However, I am still evaluating their potential effectiveness in providing the support I need.
@@AllisonSherman7
@@Kurt5DobsonChristy Vallen D'souza is an esteemed coach known for her proficiency in her area of expertise. You probably might have come across her. I found her on a CNBC interview where she was featured and i reached out to her afterwards. She has since provided entry and exit points on the securities I focus on. You can carry out a quick internet research on her name for more info. I basically follow her market moves and haven’t regretted doing so...
I was considering changing my investment strategy and planning to sell certain positions. As my retirement is coming soon,I became increasingly stressed. After thoroughly researching Christy Vallen D'souza on internet, I concluded that I had made an informed decision. Thank you for this Pointer. She seems very proficient and flexible. I booked a call session with her too.
@@AllisonSherman7
I admire the financial independence of people, But you can live better if you work a little more. After watching this I think there are people out there, on the extreme, who plan to die early just to be able to retire early. To each their own but to me retirement isn't just about not having to work, it's about having the freedom to do whatever you might reasonably want, such as travel, buying things, enjoying life, etc. I don't think I could retire with less than $3m in income generating investments, maybe $2m at the very minimum. I plan to work until I'm at least 45.
Nobody knows anything, you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving
you need a Financial Advisor my friend so you don't get ripped off in the market. They provide personalized advice to individuals based on their risk appetite, I started with a trusted Financial Adviser named NICOLE DESIREE SIMON“. She is verifiable, and her approach is transparent, allowing me full ownership and control of my portfolio while charging very low fees in comparison to my portfolio earnings that worth more than half a million dollars.
@@McElvinn That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?
@@sherryie2 It was run by NICOLE DESIREE SIMON, who I learned about and got in touch with thanks to a CNBC interview. Since then, it has served as the point of entry and departure for the games we have emphasized. A search on the internet can be done if tracking is necessary.
@@McElvinn Insightful. Your counsel couldn't have come at a better moment because I'm currently barely holding on. I'll do some research on her online before calling her.
It has become harder to retire now than in the past. I was saving instead of investing for a very long time, and now I just have about $516k and I don't know how to make it grow, with all the inflation, into something tangible I could retire with. Any ideas?
At a point like this, when the pressure is already on you to retire, it s best recommended you seek the services of an advisor, as this allows you make smarter investing decisions.
This is true. I worked as a financial advisor with Merrill Lynch and then as an independent financial manager. I have seen really great profits that can be made by picking the right stocks and making good profits quickly.
Would it be okay to ask you to recommend a financial advisor whom you know is good?
I don't like making such recommendations, but I know *Sharon Louise Count* and she's been making really great profits. I think she has a website or something.
I think you should invest some of that money, now investing can be pretty hard to understand so if you don't understand it then I advise you to invest in something you understand. For instance start a small business and invest that way from the profit you will make from your small business. Now as a woman I really can't tell you what business to start because I only have small business ideas for women like starting a skin care business, nail polish business, candle business, all that is girly stuff, but for a man I will say... Start a moving company business, or landscaping business. Sorry I don't have any ideas for men to start a business but for a woman I have 100 ideas. I have a son that's 16 and a daughter that's 11 years old I had plenty of ideas for my daughter to start a business because I am a female like her but for my son I really didn't have any ideas for him and he was more interested than starting a business more than my daughter, but as a woman I really couldn't help him.
I retired at age 42 now I’m 52. I noticed time goes faster when I’m retired slower when I was working. I love retirement no stress at all. Spend time with my garden and family and friends
How do you manage health insurance? My biggest stressor. Debt /mortgage free .
@@nata3467 The Affordable Care Act (ACA) aka Obamacare. If you are under 65, draw from your taxable account first so you pay less premium.
Time goes faster because you are getting older. If you were still working, time would have gone faster too. Just think when you were a kid where a day felt like a week.
That’s very young to retire. I thought my retirement at 55 was young but you beat that.
Recently, I've been thinking of investing in dividend stocks for retirement, and I've set aside $350,000 to do so. However, I'm getting cold feet, maybe because I'm a beginner with no understanding what I'm doing; please advise.
I worry about the same thing since I don't want to mess up.
If you are new to the markets, I would recommend that you seek the advice or help of a financial counselor or investment coach. In these unpredictable times, that is the best method to enter the market.
@@esnolgalves3344 I agree, investment coaching seems like a wonderful idea; I've considered it previously but never sure how to go; have you employed a coach? How was your experience?
@@BillyQ12 I won't reveal too much, but I have been working with a coach since October 2022, increasing my portfolio's monthly dividend income from $70k to almost $220,000k. It is not nearly as difficult as it formerly was, and is really simple.
@@esnolgalves3344 That's amazing! How could someone approach a coach like that to receive investment advice. Could you please provide your coach's information?
When I was 61 the company I worked for offered a voluntary layoff with a decent severance and health insurance package. I took it and have enjoyed a stress-free life since.
We travelled a lot before COVID and checked off most of the places we had always dreamed of visiting. I turn 68 in a week.
Retired at 54 and love it! Important to keep active. Fully respect those who wish to work on, but can highly recommend retiring early if possible. 👌🏻
Wouldn't your social security be more if you spent more years paying in?
@@oglelaura no, in the UK you achieve max after 35 years. So no need to pay in more 👍🏻
Retired at 63. I wish I could have retired earlier. I love it!
Just retired last month (turn 52 this month). The stress has melted away. I do what I want when I want. No pressure. wife is sure happier too!
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
@rachealhubert74 Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. Alice Marie Coraggio, a licensed fiduciary whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help.
@rachealhubert74 ; Alice Marie Coraggio
Lookup with her name on the webpage
Thank you. Just what I needed to watch.
My wife and I are directors of our farm business and own property, plus small pensions. I am nearly 55, my wife is 52.
We have started to save to retire from the farm, and possibly live on rental income, I'd really appreciate you go LIVE and talk about how to earn passive income online and retire comfortably, let’s say $1M.
you should consider financial planning.
It isn’t about how much you save, it’s about how you manage your money. Whether you work to earn income or invest, it still boils down to income vs expenses, so yeah you may look into financial advisors for a strategy that suits your timing.
@@jessicasquire I totally agree, I'm 60 and newly retired with about 1.2 million outside retirement funds, no debt, and very small dollars in retirement funds compared to my portfolio balance over the past 3 years till date. tbh, the role of the investment advisor can only be overlooked, not denied. just have to do your research in finding a reputable one.
@@patrickbrussels4454 that's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well.
@@Erikkurilla01 My specialist is *STEPHANIE KOPP MEEKS* I found her on a CNBC interview where she was highlighted and contacted her a while later. She has since give passage and leave focuses on the protections I center around. You can turn her upward on the web assuming you care oversight. I fundamentally follow her exchange design and haven't lamented doing as such.
I am a 'yes' in every single catagory you mentioned. Retired last year mostly to help my wife take care of our special needs son and because my job was extremely stressfull and generally horrible. It's so nice not having to worry about my job anymore. The pit I felt in my stomach everyday while working is gone and I now look forward to the future.
😊👍
Agree entirely. So many jobs are just jobs that you need to do do bring in money and offer few if any other rewards. And they can pile on stress, which will decrease both the length and quality of your life and health.
President Taft thought that people needed 2-3 months paid off time every year, he kept trying to get that passed! I found out that there are many things I did not think about when working, that are what life is about, and expect the same is true for others, and it is important to experience. As far as money, I just decided to deal with that I have enough to pay my bills and just a little more for pizza or a drive here and there, not cruises or traveling to other countries, and that is perfectly fine with me. I can sit comfortably in my home on a winter day and watch people traveling in other countries, and almost be there, but still have a bathroom I am familiar with and snacks in my kitchen, it makes me happy. Everyone has their priorities, and I met my goals of having no mortgage or credit card bills, and all is good! Love to all and have fun. Thank you, Mr. Shmidt! I love your videos!
My parents never retired because they both died young. Another family member worked his ass off so he could retire early. He had a successful company, sold it so he could retire and died suddenly 3 days after closing. I'm due to retire in 18 mos and hope to god i make it.
I retired at 55 with my health insurance. I did so because I was so stressed my job was affecting my health. I was completely burned out. My immune system was compromised. I was falling a lot and I felt like I was being pushed out by administration. The money was good but it wasn’t worth how going to the job made me feel. I didn’t hate the job per se as much as I didn’t feel I belonged in that environment. I took my health insurance and moved to Florida to be closer to my daughter which was another reason I left. I considered working in the field again but once I left it, no one would hire me. Maybe I was too old for them or as I concluded, my heart was no longer in it. Now I have the time to pursue my passions, to learn new things and I have a longer active period of time to do so. In the end, I retired early because I wanted to stay healthy. I didn’t want to wait so long that all I could do was say “Goodbye” and die. I saw it happen many times and I didn’t want it to happen to me.
Time is a non renewable currency. We all make the mistake thinking we have time !
So are you retiring now or not? I'm confused about what you mean.
And as far as "we all", speak for yourself.
Great video. I retired 1.5 years ago and have no regrets. My husband just retired in March . We both loved our jobs but many days weren’t easy and it was time to be done. We are definitely the sandwich generation…help with grandkids and our moms. It was hard to manage everything with a full time job.
Being a sandwich generation sucks 🤦♀️
10 weeks and I’m retired! 64 years old with a hand full of hobbies and interests. 😎🌵
Retired 2 years ago and love every minute of it. Archery and hunting is my passion, so if I’m not hunting I’m getting ready to hunt. I work out 4 days a week 3 hours a day and in the best shape of my life. 65 Strong!!!
Go home and rethink your life. Why do you like to kill helpless and nonthreatening animals with powerful weapons since you don't require them for survival or food? Are you so weak and insecure that you can't find another way to make you feel like a man?
Thank you for stating some obvious points, but in reality many people miss. To your points: I retired at 55 because we had more than we had planned to have, my health was going downhill with the long hours and stress, and I wanted to spend some time with my young adult children before they fully fledged from the nest. MOST IMPORTANTLY: To ensure my marriage thrived! Gray divorce was my biggest threat to a satisfying and secure retirement. Your videos have been a blessing. Thanks!
A strong factor driving my retirement decision was losing a coworker(and his wife) in an unexpected car accident. Now 61 and been retired 4 years is was a good decision.
Just retired 3 months ago at 54. Best decision I have made in the last 3 decades! Our most precious commodity is TIME. Exercise, chores, hobbies, friends and family... now I have the time they deserve.
I already plan to retire as soon as possible, which according to my calculations when I turn… 99
I am retired, but still working! WHY? My work is physical and I work at my own pace doing a lawn care/landscaping business and it keeps me active and helps me live a better life.
He makes a good point when he talks about your health and how much time you have left. But the fact is, everybody, whether you're healthy or not, we are all terminal, keep that in mind
Retiring July 14th at 62. Counting the days. So many things to look forward to.
I retired in January 2022 at age 59. No regrets. Enjoying life in a tropical locale.
Well said, Geoff! Thank you for sharing these practical insights with us 👍
Thank you so much! I like your calm matter of fact, yet very kind presentations, sprinkled with humor! Perfect for me.
Retired ten years ago at 56. No regrets! Planning a 25th anniversary Mediterranean cruise for next year, Lord willing. Life is good!
Cruises are disgusting LOL
@@New-bw4kz Thank you for sharing. You don’t have to go on a cruise if you don’t want to. Millions love them! It’s best to have others around who enjoy them too. You do what’s good for you. God Bless!
This is such an AMAZING video! A lot of food for thought, thank you so much!
Your advice is always good, but this is probably the best video you have created. Very heartfelt. Thank you.
I’m so pleased when I get a notification when Holy Schmidt posts. I thoroughly enjoyed the presentation, information and the happy dude dancing at the end 😂
Thanks for all of your videos. I look forward to them every week and they have helped me immensely in my transition into early retirement back on Dec 2, at age 61.
I have been retired for three years now and I do not miss working at all. It sure is nice getting up at my leisure and doing what we want to do, when we want to do it. Going shopping during the week when the stores are fairly empty is wonderful. Going for a hike to birdwatch when we want to is wonderful. We changed our diet a year ago and lost lots of weight and I am off all prescribed medicines. Life is good.
You spent 45 years not doing what you want to do?
Why?
Why did you choose 45 years of misery?
there are two answers I like to give regarding early retirement, and you mentioned doing what we want/when we want to do it, and the second is taking our time. During the working years it seems there is never time enough, everything we do we rush through, and early retirement is us giving ourselves the most precious gift of all, time.
Beautiful!
@@jessefletcher9116 yes! Im not retired, ...just not working FT now, and the other day I actually put an apron on to keep my dress nice and I cut up Garlic not in a hurry and onion I'm anyway long story short I made a beautiful eggplant dinner and I did it in a relaxed manner like I never did before, every time I was in the kitchen before I was going as fast as I possibly could and worried I'd be too tired by the end of the night to clean up
@@maryhall1181 everyday tasks that you have to do on your day off like mowing the lawn, washing the car, going to the grocery store, they all are so much more pleasant & less stressful when you retire and can take your time.
2 years in and doing well thanks to a lot of your tips. I watch with my husband and it helps him so much too. He’s 1 year in.
Just subscribed. I like your low-key, quiet delivery - a nice contrast to the over-loud delivery of other channels. I also appreciated your polite warnings about scammers posting in your comments!
This is one of your best videos to date, Geoff.👍👍👍 I've been retired for a little over a year now. Ironically, it was a job to get everything done to retire. 😜 Thankfully, my health isn't one of the reasons I wanted to retire, but you ticked off a number of other reasons. The pandemic really placed what I wanted to do for the rest of my life in sharp focus. Beyond taking care of my family first and foremost, there are two longstanding dreams I really want to accomplish in retirement: (1) be a commercially successful writer and (2) learn how to play guitar at a much better level than I do now. There are other things I enjoy and will pursue, but these are the two things I want to do the most before I check out of this world. 💪👊
Why didn't you do those things at the same time you were working?
@@sammencia7945 Life hasn't been easy. There were too many responsibilities and too many obligations. I have been working on guitar intermittently and have advanced, but would just like to get better to be on a gig performing level. As for writing, I had a job that involved a lot of technical writing that I liked, so I have done this on some level. I wasn't willing to be a starving artist to pursue the freelance writing career I wanted. I had obligations to a family; they come first. In retirement, I have the time to pursue these interests among others full time and at an unfettered level they deserve.
Check out some videos about how much gigging musicians actually make,locally,it ain't much.
@@rudygracia5573 I wouldn't gig for the money. I'm retired. I'm gigging because I love music and it would be fun to do. If I make a little cash along the way, then great. It depends on what you play and how good you are on how much you can make. You can also post your playing on YT.
@@audiophileman7047 - Sounds good 👍 🎶
Great video, saving it to watch again later.
Most people who tell you they enjoy their job and they don't want to retire, is because they're broke and they can't retire. But it makes them feel better saying they love their job and they want to keep working
How do you know this about “most people?”
Joe, here comes the ridiculous comments. Just use the word “some” next time instead of “most”. Thx
true! I like my job, but I would like it better at only 2 days a week. Unfortunately you don't get benefits at that rate.
My husband enjoys his job so much that he’s decided to retire at age 70. He’s highly paid, and a highly respected expert in his field. He has seen several coworkers retire early, not know how to fill their days, and die earlier than was expected. He’s concerned that he’ll end up the same way, even though his relatives live well into their 90s. He’s got hobbies and activities that keep him busy; however, he’s concerned that when he retires, he won’t be looked upon as the respected ‘expert’.
I left my job at age 58 to help care for his aging mother, and to design and have our own retirement home built. The day we signed the contract to purchase the land (with an existing house that we later scraped to build our custom home) in another state (let’s call this ‘State B’, his employer announced that his job was being transferred to another state (this is ‘State C’). Great. We were just finishing the remodel of our ‘dream kitchen’ and had to sell our house, located in ‘State A’. We had a new house built in State C, along with the concurrent design of our new retirement home in State B. I traveled back and forth between these two houses for a couple of years. During this time, my MIL died (at the ‘young’ age of 87), my mother died (aged 90), and my eldest son was married. Then COVID hit. Our retirement residence was ready for occupancy in mid-March 2020. We were the first in the city to have a FaceTime house inspection done! We stayed at this house for over 3 months, with my husband working remotely, before we drove back to our house in State C, about 1,000 miles away. I have continued to go back and forth between these houses as additional finish work, fence and security gates, and landscaping with extensive earthworks has required me to be there. For months at a time, I’m full-out working on construction-related items. This last trip required my presence of 6 months. Even though I haven’t worked for a paycheck since age 58, I’ve continued to fill my days with ‘work’.
We’re both 65 now. I enjoyed working for my previous employers, and was even self-employed for a decade prior to the Great Recession; however, I had quit my last job due to two unreasonable, narcissistic Directors who created an unhealthy work space. When you’re older, few people care if you were an expert in your field. Few people care if you possess specific skills or talents. Your opinion is often dismissed. Anyway, there’s little left to prove when you’re older. I’ve had seven years of ‘retirement’ practice, while my husband has not. I asked him if he’s concerned he won’t be known as a respected professional (Yes); perceived as being relevant (Yes); treated as a contributing member of society (Yes). I told him, “Welcome to what I’ve experienced. Use this opportunity to ‘remake’ yourself.” I’m also encouraging him to explore consulting positions, as a number of his former coworkers have returned to the profession after retiring for 6 months, and his skills are still in high demand. He’s hesitant, as most consultants cannot directly affect change in a project. He underestimates the cache he’s built regarding his knowledge base.
This different future is recently beginning to gel in his mind, as I was unexpectedly injured in a minor mishap during a construction project at our retirement home in State B a couple of months ago. The recovery has taken an extended period of time, and he’s rather shocked that I haven’t bounced back the way I normally have. I was so exhausted upon my return to State C that I slept for most of the first 2 weeks home. I now fully feel every bit of 65. I want to enjoy our retirement together while we’re both relatively healthy. Both homes are paid off. We have no debt. We are financially set for the future. I’ve started pushing him (we had this conversation 2 days ago) to talk with his coworkers, who have become consultants, to figure out if this is something that appeals to him, and if he could see himself working no more than 35% of his current work hours.
I’m 55 and retired. Currently traveling in Colombia. Was in Mexico before that. Was hiking with my little cousins in Sedona before that. Was in Nicaragua for new years. Spent most of last year traveling in Europe and getting aquatinted with my new godchildren in England. I had a successful career working at a job a never really loved. I woke up one day in 2021 and said “that’s it” I live within my means. I stay out of debt. At some point I will get tired of traveling and will want to put down roots (probably) maybe I will decide to work again. Probably not. But these days, I’m living for myself. I intend to continue to live at or even below my means. I will continue to invest money left over that I don’t spend. Will collect ssn at some point. I’m going to be responsible, but not spend the rest of my life terrified about running out of money 💰
FIRE...I am all in. Very timely!
My father worked hard all his life, put 4 kids through college, paid off his mortgage and retired early at 59. He and my mother embarked on a long road trip across America, looking for a warm place to live and play golf. Six months later, they came home, and he died from cancer shortly after. He never really got to enjoy retirement. I was in my late 20’s and vowed not to end up the same way. I sold everything, started my own business, travel the world and, now age 62, consider myself retired.
All of you have the same story. Everyone you know is dead at 59.
You see glass half empty.
"He never really got to enjoy retirement".
6 months off does not count?
It is your negative attitude.
What business do u do while traveling . If I may ask.
@@sammencia7945 True True! He earned his badge of honor in being that man for his family and be that example, should be remembered that way!
Thank you, this was a wonderful, wise and compassionate advice
Video has wonderful content. Great modulated narrative.
Always great videos.
Thank you.
My father died 3 weeks ago and we did the best to take of him as a family.
honestly, this is an amazing wake up call and really good advice. Learning about investing and creating passive income makes retiring asap an achievable goal. I’m on my way, and realize it’s possible! best wishes to you, too.
Mr. Schmidt, these videos are truly helpful. I appreciate all of the efforts you have put into them. Interesting to hear this time about the book that you wrote about adults juggling jobs and college. Hats off to you for building this successful and valuable channel.
Exceptionally clear thinking and writing skills.
I really like your non-judgy attitude. It helps people trust you more 👍
Thank you for producing another informative video!
Thanks for the continued guidance. Your videos are incredibly useful. I'm on the precipice of retirement and am looking forward to it. Because of your guidance (and that of my advisor) I feel confident that I am able to retire and not have financial worries.
Excellent
Oh, can not wait for your next video. That is where I'm at in life right now.
Great advice Geoff!
3.5 years till I retire and if I can retire before that, I sure as heck will. Great video Geoff!! I'll have plenty to do: golf, cruises, traveling with my wife, working around the house, studying French.
Retiring from public service made me realize that I had no means of passive income, and in 35 years, I had only moved round in circles financially. I needed to make investments immediately despite retirement and that led me to looking for ways out. I feel very accomplished every time I remember my journey and how I've been able to grow my portfolio to 7 figures, with the help of my broker Susan Kay Mack. Mind-blowing experience really.
I did read about Susan Kay Mack on the web., quite a great resume she has
that's quite impressive, you surely made a good bit of money..
Enjoy your retirement because you were one of the smart ones!!! Salute!
Did a quick web search, she has a pretty decent bio, I wrote her and I'm waiting on her reply.
Retired 1 year ago at 63, and I love it! Worked hard over the years in HR and as a teacher and was just getting tired of the daily grind. Husband and I planned this move a couple of years ago with the help of a reliable and sound CPA/financial planner. Fortunate and blessed to have between the two of us some pensions and 401K funds. Holding off on taking SS until 65, when I'm eligible for Medicare. If not needed, then I'll apply at the max age of 67. We can take 1-2 nice trips a year if we choose. Living comfortably with decent health, so we pray all stays well for a long time as we continue to check off items on our bucket list and spend time with family.
I retired at 57. Paid off the mortgage early and left the rat race. Now age 70 so 12 years so far with 7 day weeks instead of just weekends.
I want to retire at fifty-five, but there’s too much volatility. Politics, environmental issues and a wild stock market are converging into a dangerous monster. I’m still reeling from two years ago.
Alex Trebek was a great Canadian. This one retired at 57. The last decade has been fabulous. Enjoying the go go years.
Excellent video!
Best decision I ever made to start collecting as early as possible.
From 10:15, I'm glad that you brought this up. I've noticed that too and how many people "like" and respond to it. I was always suspicious of those comments.
Great video! All of these thoughts are going through my head right now as I decide whether to retire or not. Money vs loss of 50 hrs of my remaining time on earth to work doesn’t seem to be an equal trade anymore. Thanks for the great thoughts!
If I only had 50 hours left to live, I'd have retired years ago.
@@SurpriseMeJT 50 hrs per week I am spending at work.
Loved this video. I am one of those who loves work. I like people so I go to work everyday. Now you have gotten me thinking... what will I do that will make me thrill and learn something new. Making list now....
Family and friends relationship went down the toliet when my mom pass. Family is so spread out so much I will never see or here frome again. All the info you pass along I could have used 45+ years ago!!!
Great vid! Thank you!!
You are most welcome
Great video Geoff! I retired at 55 in 2017 both because I could and due to the fact I had an ailing mother to take care of. My mother passed away last May and my wife and I moved to Georgia. My wife was still working at the time and retired this past December. We moved from New Jersey where I worked for over 35 years, 29 for the state, so yes I have a decent pension. Over the years at the state I participated quite aggressively in a supplemental retirement plan (I believe it was called a 403b plan) Between my pension and that plan retirement should be comfortable. The best part was moving out of Jersey!!!
Good deal! And I hear you loud and clear. Can't wait to get out of NY City and its evolving hellscape.
Good for you! We did the same thing. Pensions and supplemental savings and whatever Social Security ends up being. My husband retires in a few months. Me next year. We already have been enjoying traveling and we are financially set. We paid for our son's college and we are enjoying seeing him pursue his dreams... I think it is really sad to see people have to keep working well after 65 because they have no choice. It should not be that way. Some kind of retirement saving plan should be required by all employers. That way people have to set aside some money each month in that plan.
Happy Retirement!!
I was forced into retirement at age 60 1/2. Received what I called a bronze parachute! I was angry and bitter for the first year, then decided to relax and enjoy it. It was a high stress job with many competing supervisors and requested outcomes. In hindsight it was the best thing that could’ve happened to me. That was eight years ago this fall the only person I ever met. That was sorry he retired was a wonderful gentleman who retired early to take care of his wife who is dying of cancer. Afterwards, of course he was lonely and missed all the social interaction of work. He is by far the only exception I have met.
Awesome food for thought. I've been thinking about it, but honesty, I really don't know my numbers. I make a good living, the job is comfortable with little stress. I'm just done mentally with the 9 to 5.
You are not done mentally until you know the numbers.
Great content. All very true in my experience. Im partial retired /business owner which is another topic completely. I love my job and my customers and my greatest joy is providing a service for them. My reward is they beg me to not retire.
I’m 55 and will retire next month. Happy in my job but time is the most precious. Looking forward to the next phase. Get out while you have your health. Money isn’t everything.
thx geoff , thanks for your work