Retirement Dilemma - This Could Change Your Life
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- Опубликовано: 17 окт 2024
- How much money do you need how much time will you trade to get money. Is it worth it in the long run, this is the retirement dilemma and this could change your life.
Join us for a discussion on important life decisions as you move towards retirement, will you put off retirement while you strive to earn and save more money, Retirement Dilemma - This Could Change Your Life.
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My dear husband, and best friend, retired…..after a long stressful career, in 2009. We travelled the world and, spent the winters in Florida. So glad we did. He passed away last year after a terrible fight with cancer….but, as he said before he left me…..”Hey Kid,….we got around, didn’t we?” We are not here forever. Enjoy while you can?
So sorry to hear of your loss Sharon, but your husband left you knowing you have the lovely memories you had together take care 🍁🌺
Great point. I sometimes think it would be an advantage to know how long I will live. I'm in my late fifties, and still working, but if I knew that I would be dead in a ten years, I'd stop working tomorrow. I have enough money saved to last me that long. However, if I knew I would live to my mid-eighties or longer, I definitely would need to continue working. It's a mystery and a gamble.
@@tshandy1 yes, it is a gamble. I retired (covid forced the issue), since none of my family has lived much past 70. I am 59. My financial advisor is worried I don't have enough money, so I asked him how long did you expect it to last? 90??? LOL, very unlikely! I will take social security at 62, unless the republicans manage to get rid of it, in which case I will be thoroughly screwed.
@@tshandy1 Hello Rocko
Agree it's a gamble to retire early but life is a gamble....
If you have a paid off roof over your head it really helps. You really need to know your annual expenses and have 3 years or so in no or low risk accounts for when the market is down. Tons of good videos on the subject. The Money Guys videos are a good place to start. You don't need millions like they keep telling us....
Sharon, this is such an important message. Thank you for sharing.
Agree 100%, the earlier you can retire the better. I could not retire till almost 67. I still felt like a teenager until my 70s but now I find I don’t have as much strength I once had. At 78 I am still traveling (leave tomorrow to revisit some National parks) but just at a slower pace. For anyone younger who enjoys this channel my only advice would be to save. It is very comforting to know you are financially sound.
Thanks for sharing have a wonderful trip , saving definitely gives you a sound good feeling 💰Cheers ☕️🍁
My husband and I travelled while working for ten years before we retired. It was lucky we did because with my husband having Parkinson's disease this has limited our travel to local travel and visiting family. I am 66 and my husband is 65. I'm so glad we did all that travelling around the world when my husband was healthy. To be honest waking up each morning not knowing what the day will bring is heaven and so relaxing. Why someone would work into their 70's is beyond me. We deserve to be retired. We worked hard for so many years.
We agree Sandi every day is great not working for a boss it is such wonderful freedom and very relaxing, we don’t understand others wanting to wait as your health changes in that time too . Hope you both have a wonderful weekend Cheers ☕️🍁🇨🇦
In my experience the answer to "How much do I need to retire" question is about the same as the question you ask yourself when deciding if you are ready to have children. You'll probably never be 100% ready, but you'll know when the time is right.
You are absolutely right about taking advantage of those early and most healthy years of retirement. I think all of us believe that as we age we'll be pretty much the same as we are now, a few more aches and pains perhaps but otherwise the same. I can say that we retired at age 61 and like you, at 8 years in, a few things are starting to crop up. Nothing that can't be managed but still, I am not like I was 8 years ago. As the saying goes "Old age doesn't come alone" and it is very true.
Great comment comparing retirement to having Children if you wait till you are fully ready you never will ! Norm feels exactly like you also feel things creep up Cheers ☕️🍁🍻
Someone once said to me “you know when you are ready to retire….when you have enough or when you’ve had enough! Good advice!
Great advice Gillian enjoy your weekend Cheers 🍁☕🙂
Covid changed everything for me. In 2020, my wife was already retired, I was working from home, and as time went by that year, working from home , no longer having interaction with my fellow employees , I told my employer that I will be leaving at the end of the year. We were diligent savers so at 64, I collected social security and never looked back.
Great story Scott a positive side to Covid hope you both have a great weekend Cheers 🇺🇸☕️🇨🇦
I did the same in 2021 at age 63. I hated working from home ( it was lonely), even though it saved me so much money.
Scott, your comment exactly describes my own situation and I retired before having to return to the office. Absolutely no regrets.
When my company shut down in 2020, I started my own home-based business and have saved enough to retire this year at age 62. Seems like Covid was a huge wake-up call for a lot of people!
@@sct4040 That’s wonderful ☕🍁
Excellent food for thought, Tina & Norm.
I have been relatively healthy. And, I had no real thought to retiring early (at 58.5) but one bad and unexpected reaction to a prescribed medication had me life-flighted by helicopter to a Level 1 Hospital. I actually died earlier this year, but was thankfully resuscitated, and after several weeks, I was released back home to finish recovery. I turned 59 during my recovery. This scary incident taught us that none of us knows our expiration dates. I will be retired before my next birthday rolls around. YES, I am out of danger (and we know what class of medication must remain off limits to me), but what a wake up call. Something as simple as a muscle strain ultimately led to my death, quite literally (well, my first death 😉☺️). We have come to the conclusion that it is now time to enjoy the fruits of our labor, be we blessed with longer lives or shorter ones. Time to destress and make some more memories! I won't need to be told twice.
As for finances, retirement isn't something that people save for at the last minute, but I rather suspect it is like having children. If everyone waited to have kids until they thought they could really afford them, there'd be far fewer generations behind ours! 😂 Sometimes, you just have to go for it, and trust the planning and saving and investing works out the way they were intended.
I have yet to hear ANY retiree say "I should've waited longer before retiring". Every single one just marvels at the fact they hesitated at all, after the fact! 🙂❤️
People seem make it work, rich or poor or somewhere in the middle.
Thanks for your insights!
Wow that must of been very scary Denise , so glad you are OKAY now, love the analogy of retirement to having kids if you wait till fully prepared you won’t have them or do it , have a wonderful weekend Cheers 🇨🇦☕️🇺🇸
Thank you for sharing your experience. The comparison between having children and retiring is fitting. Being too careless it won’t be a rewarding experience. Being too cautious, retirement may be shortened too much or never come (die while working).
@@33Jenesis well said! 🙂
@@ThisIsOurRetirement enjoy your weekend as well! If you are driving down to Alabama, you may want to spend a day or two checking out Jekyll Island, GA. Norm will find great fun in snapping photos along Driftwood Beach. Cheers!
Thanks for the suggestion 🌺
My father worked hard all his life to raise 4 children and put us through college. In 1989, he retired early at age 59 and 6 months later, died of kidney cancer so he never got to enjoy retirement. I learned not to wait for what you want and to go after it as soon as you can. Since then, careful planning, budgeting and taking advantage of public programs has allowed me to save enough to retire comfortably at age 62. There's no sense in working yourself into the grave - life really is too short.
Sorry to hear your Dad didn’t get to retire , really pleased your plans Linda have worked for you and are now retired Cheers 🍁☕️😎
Oh Linda, I am very sorry for your dad. Earlier this year at 62, I was also diagnosed with Kidney cancer. Caught it by accident, being tested as a kidney donor. Minus one kidney I am still healthy enough to do the things I want (within reason), I am seriously considering retiring, even after losing a good bit in retirement savings this year. I just have a new perspective on life and like Norm mentions, work has Completely lost its charm. Good for you saving and researching !
Hi Norm & Tina, regarding me in the US on the subject of Govt. sponsored healthcare; I started on US Medicare a couple of years ago and my wife a year before - I am totally impressed with this system. It is very affordable and has (so far) covered literally everything that has come up. We can use any medical provider, anywhere in the US. This a major draw in keeping us in the US. Likewise, with social security and pensions we’ve never been better off. We are completely free to travel anywhere in the world, but make it our business to come back to the US to deal with any significant business and medical. So far this arrangement is working like magic.
Wow wonderful comment Peter thanks for sharing we hope this will help give confidence to your fellow Americans , thanks for watching and have a great weekend Cheers 🇺🇸☕️🇨🇦
@@debiwillis9045 I don’t think so. Not sure what it’s called but is tied into my spouse’s retirement plan via the State of Washington
How has prescriptions worked for you? $$$$$$$ big pharma owns US Citizens.
@@barbaraebner5889 prescriptions mostly ok if on inexpensive meds, but could become a problem. However, I have heard that a traveller can go to a local doc or clinic and may get a local prescription sometimes as a fraction of what US patients would expect. I’d remind you that only one US president in modern times has sought to get ‘big pharma’ under control by having US prices be the lowest they sell their meds for worldwide, but big Dem and big Rep (the swamp) fought him every step of the way. So, here we are.
My wife and are finishing our first year on Medicare. There are costs involved. We choose traditional Medicare over an Advantage plan. It does cost more but we can see any doctor anywhere. Can’t always say that with an Advantage plus doctors can go in and out if networks. Don’t have to worry about hat with traditional Medicare and our Supplemental plan. We did purchase dental insurance as well. We can afford it at this time and felt that would be the best for us.
I am 58. You are living my dream. I have always had stressful jobs and long to retire. I am planning my retirement now, and as a younger widow (husband passed away in late August, 2022), I am acutely aware of how short life is.
Sorry to hear about your loss it must be a very difficult time , our thoughts are with you 🌺
Such a good video Tina and Norm. Sound advice, you’re both so positive and sensible. I’m almost 65, 6 months into retirement, my husband 69, 18 months. We’re healthier, less stressed and loving it. Planning two trips in the next year now the world is opening up again.
Wonderful! glad you are both enjoying your retirement Louise , so nice to hear you are planning trips we can’t wait to be in Alabama Cheers ☕️🍁🙂
Lovely to watch you two again sharing your wisdom…I was only 48 when I left teaching and retired with my husband (60 then). Two years on our early retirement and love every minute of it. We spent 7.5 months last year in Southeast Asia, and we’re on 3 months travel in Thailand and 3 months in South America after Christmas. We tracked our expenses 5 years before we retired and we knew that if we keep within our budget, we will have enough until 95. The key thing for us is to stick with our budget and find ways to beat inflation by constantly looking for cheaper but enjoyable options. We have plenty of time together and everyday is an adventure. Thanks Tin and Norm for another amazing insight.
We did the same thing with our budget and budgeted into our nineties. Your travel sounds wonderful, we had planned going to Thailand when the pandemic hit. Thanks for watching our videos we really appreciate it.
@@ThisIsOurRetirement we recommend Thailand, we feel safe and the cost of living/travelling is within our budget…food is lovely and most places where we eat caters for our not too salty Thai dishes and they’re absolutely delicious. we ventured down south first and enjoyed the beaches but up north is just equally or more amazing for our taste…up north is also cheaper and we wouldn’t mind living in chiang Mai during UK winter months.
Thanks for sharing ☕️
Wise words! I’ve only known of one couple who retired in their 50s and then did not control spending and had to go back to work in their 60s. Three things; time, money, and health. I think money is the factor we control most. I wish you well.
Thanks John would hate that having to go back to work enjoy your weekend Cheers ☕️🍻
No no no only death could be worse than going back to work after retirement I watched a friend do exactly that in his 60s I promised myself I will work an extra year or 2 when I think I've go enough money so that doesn't happen and in Australia it's very very hard to get any job if your over 55
It is so nice to see you both are on the same page, that is so critical to having a successful retirement!
Thanks for visiting have a great weekend Cheers ☕️🍁😎
Interesting point about stress. 18 months ago I left the Canadian military after 34+ years. Never thought my service was stressful at all but not until about 6 months into retirement did I realize perhaps I was wrong and that there was indeed stress that I simply did not acknowledge at the time.
That was the same we experienced too, we never felt work was stressful.
Thank you for sharing your story. I have about 3-5 years to go and always expected to give my employer at least 1 year notice of retirement as a courtesy. As I get closer I believe I’ll just wake up one morning and resign by phone lol. When it’s time I made myself a promise to make that call without hesitation . Another great discussion!!
Good idea remember that in no time at all they replace us all very quickly LOL 😂 RC Cheers 🍁☕️😎
I resigned by email, and gave 3 months notice, after I was completely vested in my 403b account. Right on schedule on my anniversary date. 🤣
@@sct4040 I love it!!! My company stopped contributing to my pension plan so I consider myself a free agent lol. No reason to stay in order to pad the pension. When the numbers work I’ll be saying 👋
That t-shirt is classic. My first concert was RUSH Moving Pictures tour. Thank you for your wonderful and informative channel.
So cool! glad you enjoy our channel Cheers ☕️🍁
I agree early retirement was wonderful. I retired at 57 I however had a small house paid off and my car paid off. I did take a substantial hit on my company pension but they paid the pension plus the equivalent of Social Security until age 62 then the company pension was reduced by the amount I received from Social Security. That amounted to approximately $30,000 per year which has been more than enough to have a very good high-quality retirement.
My heart attack came at age 66 and Medicare covered that. My friend who retired at the same time had his cancer at age 62 he unfortunately went broke as a result.
You don’t need that much money in retirement what you do need is good health insurance so you don’t lose everything
So true Karl and you don't need that much to live a happy debt free life. We are glad you got good care.
Great info. I was scared in the months leading up to my husband's retirement this past January. It's definitely a new phase of life. We're 9 months into his retirement and we both love it. I've decided to retire at the end of the school year in June at 57 yrs. I only work 2 days a week. My husband is in his 60s. We're doing fine with his full company pension (after 30 years) + CPP which he took early. In fact, we're still able to save money each month which is surprising. We also have health insurance through his company which continues into retirement (with a reduced deductible). He was commuting to the Toronto area every day. I was driving all over southern Ontario for work plus we have a disabled adult son that requires 24/7 care. Now my husband is home and I work from home. It's been a tremendous saving and far less stressful. Keep up the good work.
That sounds wonderful we wish you all the best , yes stress related to a job is well overlooked we are loving being retired Cheers ☕️🍁😎
I stopped working full time at 55 and took a part time job in a different setting. This allowed me to spend more time with my husband who sadly passed away when I was 59. Next month I turn 65 and have decided to retire next April. I am looking forward to having time to be more involved with my church and the local senior’s centre.
Spending more time with church and the centre sounds lovely , we are sorry to hear about your loss Una we wish you all the best for your retirement take care ☕️🇨🇦😎
I love your smile Tina🤒🍅 i always laugh when I look at your vlogs :LOL - the blue T shirt looks really good on him...
Thank you Joe have a great weekend Cheers ☕️🍁😎
Hi Tina and Norm. I love your videos. They are so helpful. I am in the U.S and I retired at 60 (now 62). I had been in Information Technology Management for 30 years. I loved it for a long time but the last 5 years were a grind for me. I had to retire as I started hating the work environment so we agreed that I would retire. My wife is 5 years younger than me and she currently loves her job so she wants to work 3 to 5 more years. It is working for us because I have a couple of hobbies that keep me occupied. I said all of that to say retiring at 60 was right for me and I am much healthier and happier (even dropped 45 pounds since retiring)!
We are glad you are enjoying your retirement just be careful that 5 years of your wife still working takes away together time and if you want to travel those are the best healthiest years for you both Cheers 🇺🇸☕️🇨🇦
Wow. Your looking amazing. Traveling has made you wiser,& you look more at peace with the world. Keeping moving& learning hopefully keeps the mind going too.
Thanks so much Valerie have a wonderful weekend Cheers 🇨🇦☕️🇺🇸
You guys are so dowñ to earth. Everyone dreams, many talk the talk, but you two walk the walk! ❤️
Thanks Jim hope you have a great weekend Cheers ☕🍁
I just retired last month at 61. I really appreciate your insights about retiring. Nice job on your videos too.
Awesome! Thank you! congratulations 🥳 on your retirement Scott have a wonderful week Cheers ☕️🍁
I retired after 40 years in the NHS and it was best move I ever made. I still have to wait 7 years till my state pension but thankfully have my NHS pension to live on. Time is everything as you can never get it back. I am lucky to have had fabulous holidays over the years and look forward to many more while I am still in my go go years. Thank you for your great videos.
Congratulations on your retirement and have many more happy holidays!
40 years in the NHS, Index linked gold plated final salary pension and u have the cheek to even discuss state pension.
Enjoy your tax payer funded retirement, I'm very jealous of you.
I wholeheartedly agree! I could have retired 5 yrs earlier, but made it just before I turned 60.
That's a pretty good age to retire Bob, congratulations.
Hi Tina and Norm !!! :) Your fan Mary here from Toronto, on Canada!!! Everything you said? AGREE!!!!!! Hubby retires in 2 months. While we are STILL YOUNG (60 and almost 61!). Great video! xo
Oh wow! perfect ages to retire 🥳🥳 Mary we wish you both all the best enjoy your retirement Cheers ☕️🇨🇦🍁
@@ThisIsOurRetirement Thank you !!! :) Love your videos. So pure and honest.
SO HAPPY for you Tina for getting out of a stressful job, I remember I had been promoted into management in the department I loved, but due to company buyouts I had to be moved to a management job I hated, it was a huge relief when I good get OUT of management and back into a hourly job, the GREAT thing was when I went into management with the higher pay I DIDN'T change my lifestyle but invested the difference of pay into my 401k
Great way of being able to save money 💰 Numa have a wonderful week Cheers 🇨🇦☕️🇺🇸
A few more days of work left till retirement. I added up what i stop paying while working: $11,600 per year; pension 6%, union dues, union disability insurance, CPP, EI, etc.
Isn’t that amazing how it mounts up, Congratulations 🥳 on your retirement we wish you all the best Paul Cheers ☕️🙂🌺
👍👍✌️ My job stressed me out a lot. Worked for cable company and the technology was advancing so fast was driving me nuts. But the physical part of climbing ladders all day gave me no choice. Just didn’t have the strength anymore. 65 came in the nick of time.
It’s great you were able to retire 👍👏
After 10 yrs of retirement my advice would be; rule no 1 exercise, often physical fitness and mental health are the same thing.
It doesn’t matter how much money you have gotif you are not mobile and independent.
So true Jim, probably it’s the most important part of retirement.
Absolutely right, if u don't this is why older people get ill and age quicker
Great Fly By Night RUSH T-shirt. Second album! Presently on the beach in Punta Cana watching your video! You really are world-wide! Cheers Norm and Tina!
Wow, thank you! you are really getting around Paul✈️enjoy your trip we are counting down the days to going to Alabama 🇺🇸for a month can’t wait Cheers 🇨🇦☕️🇺🇸✈️
Thank you Norm and Tina for this video! My family and I are currently in Portugal on vacation. Loving every second of it! We are in our 40s, but my husband is eligible to retire at 53. He is looking forward to it! I will only be 49, but will still continue to work my seasonal job. We figured by the time he retires, we would have raised 4 children, chickens, cats and dogs. LOL, so then it will be time to do more traveling.
Wonderful! glad you are enjoying Portugal 🇵🇹 and that you enjoyed our video hope you have a great week Cheers 🇵🇹☕️🇨🇦🍁
Oh my gosh, I’m not alone! I never realized how stressful my job was until I retired from it. I told myself while working that I liked my job - but I needed to walk away to realize I was fooling myself. I’m 1 year retired and have found some p/t work that I enjoy. I work 3 days a week and play the retirement game for 4 days a week. It’s great!
That’s wonderful Sandra we are so pleased for you we agree retirement is wonderful and no more stress! Cheers ☕️🍁
Totally agree. Me and my wife retired at the age of 61. I'm 64 and both of us very content of that decision.
My mother is almost 90 and according to her (referring to what you said) these are the best 10 years... so we do our best to take advantage of the current situation .
Thank you for your contribution for retirees well-being.
You are very welcome Ofer we agree we think the 60 -70 is a great stage of life to be enjoying, have a great week Cheers ☕️🍁😎
Love the shirt Norm!
I totally agree, enjoy it while you can for sure..
Thanks Grace being able to enjoy early retirement is just wonderful hope you are both keeping well Cheers ☕️🍁😎
I retired last week! And so far, so good! I just turned 62 and even though I can collect social security, I'm holding off until 65 or 67, depending how the economy is. The longer you wait for social security, the more you get. It goes up 8% a year until I hit 67, which is considered full retirement age. I'm currently living off of my 401K and other investments. My wife is retired and collects a state pension. Since we can't get Medicare until we hit 65, we have enrolled in the Affordable Care Act, otherwise know as Obama Care. A lot of people knock it, but if you stay under a certain income, it's fairly cheap - but the deductibles are high. We live in Ohio, so cost of living is cheap. And hey Norm, love the T-shirt! I saw Rush about 7 years ago. They were awesome!
We are similar age, your plan is good and similar to our’s. I plan to wait till 70 to take SS, will get over $4000. wife took earlier and has Medicare, which isn’t as expensive as we thought. I’m still on ACA which is cheap if you don’t use it like you said. We have no debt, which feels good, and we like being retired more than working(which we also liked)
Hi John, Thanks for sharing your thoughts, the affordable care act sounds like a great solution to the healthcare dilemma. We are glad you are making early retirement work for you. Glad you saw Rush, we really like their music.
Have a great weekend Randolph Cheers 🇺🇸☕️🇨🇦
I found Obamacare to be more affordable than my previous work plan. smaller deductible, way smaller premium, and I worked for the largest healthcare company in the world! At work, it was just a really expensive discount card. They NEVER had to pay anything, but they got over $400 per month from me.
@@e-spy Thanks for sharing have a wonderful day Cheers 🇺🇸☕🇨🇦
Thank you for your thoughtful comments. I last took a holiday in 1984, and am still farming at 74,
but you know what: feels like i am too old to travel anymore. Cheers.
Thanks for sharing! have a great weekend Cheers ☕️🍁
Great video. Thanks for sharing!
My target retirement age is 55. I recently just turned 50. One suggestion I can make is that many people will base their retirement on a monetary number. And that is great, but I would suggest to everyone to actually start with a time-based target and work backwards from that. Instead of trying to figure out when you will be able to retire when you hit a certain amount of money, aim for a retirement age and focus your savings strategy to achieve that. That was the philosophy I used and I am not only on target, but ahead of it. So I could theoretically retire a year or two earlier than expected.
Great comment thanks for sharing, we would add in addition to you time based formula add a realistic budget of what you will spend in retirement.
@@ThisIsOurRetirement Agreed. And as you both have stated in your videos, be mindful of the level of energy you will have at specific ages. One of the reasons I wanted to retire in my 50s is that I assumed I would still have the strength to do some of my bucket list items. Most of that is traveling the national parks and hiking. Nothing too strenuous, but I want to ensure I can enjoy while still (relatively) young.
Sounds great 🙂
We had a plan to retire at 56 (me) and 55 (Mrs ) that happened in April both of had final salary pensions and a few savings I was in middle management (sales manager ops manager etc etc )in a FTSE 250 company I was very stressed !!!! My wife was a NHS health visitor she missed seeing “her mams and babies”so much she has gone back 3 days a week started last Monday I have absolutely no intention of going back (I’ve had one or two really good offers) In conclusion if your happy at work keep going !! if work is stressful finish as soon as you can as Tina says it’s not till you stop working that you don’t realise how much it effects your health or even how much you miss work like my wife has Great video 👍👍👍
Great idea David, we are glad it's working out for you!
Hi Norm and Tina; I just retired from the U.S. Army Sept. 23, 2022 after 25 years; I've always thought the stress level was normal, but now I realized it's just the opposite. I'm able to retire from my military pension; paid off our house, and now we're planning to travel in Asia; God willing. Thank you much for your videos..
Congratulations on your retirement, we wish you a long and happy retirement and enjoy your travels in Asia.
Dude...love the Fly by Night t-shirt!!! I have seen them 4 times in my lifetime. What an awesome, awesome band!!!
Rock on! you are very lucky Jamie have a great week Cheers ☕️🎶🎸🍁
Thank you for your sound, rational advice. I look forward to your thoughtful comments. Enjoy your upcoming trip to Alabama.
Thanks so much! we are very excited have a lovely weekend ☕️😎🇺🇸🇨🇦
Norman totally understand what you mean by the fun had gone from your job, that’s exactly how I felt and I retired from my employment in sales in May.
A little like you I also had a fall back income and whatever the economy fires at us I am so happy with my decision to retire!😊
That’s great Chris glad you are enjoying your retirement Cheers ☕️🍁🍻
OMG!! Love the tee shirt! Die hard Rush fan. On the cusp of retirement with my wife. Glad I found this channel. I definitely have a plan, but really appreciate your perspective on living retirement
We are glad you found us too John and we wish you and your wife a very happy retirement together Cheers ☕️🍁😎
Tina and Norm - I started playing pickleball 4 days a week - great sport and I play with people of all ages
That’s great Dan we have a lot of other people suggest Pickleball will have to take a look at it 🍻
Totally agree with your video. We have had similar experiences and are doing all our long distance travel now, being very conscious of the need to do it whilst we still have our health. We still have very elderly parents and have the dilemma of should we put things off whilst they are still alive. However we have come to the decision that we need to live our lives now. There are no guarantees in life
Very true Stephen sometimes it would be nice to have a crystal ball 🔮 glad you are now doing things for you Cheers ☕️🌞
Thanks for another great video. I'm 47, my parents just retired and I'm watching things closely both for their sake and my loose 20-yearish plan. I love this channel, you guys are pretty cool.
Wonderful! you have a ring side seat Kelly hope your parents have a great retirement Cheers ☕️🍁😎
Wonderful story.
My decision was far easier than most. With 30 years of federal public service and an indexed DB pension (and medical and dental) it was a bit of a no brainer. Work was becoming a real buzzkill and I figured that at 56, my health would never be better. So that was it.
No regrets but of course it has been an adjustment.
Thanks for sharing Murray great position to be in but you earned it LOL 😂 yes it’s an adjustment but it didn’t take us long Cheers ☕️🍁😎
I retired 11 years ago at 57 and my husband 2 years ago at 67. He had a business to sell and close which takes a couple of years or it would have been sooner. I am actually surprised how much less money you need to spend day to day once you stop working. This savings can be figured into your planning too. Selling his big gas guzzling pick up truck was a major savings. It takes time to adjust to one vehicle but we soon adapted. Neither of us needs both a work and home wardrobe now. I can't think of the last time I bought new clothes. We no longer feel the need to reward ourselves with things we don't really need because “we work so hard and deserve it.”
We spend far less on food. Between my shift work and his long hours we ate so many meals on the road because of lack of time and exhaustion. Even with todays current crazy food prices it costs a fraction of the cost to cook and eat at home. I have the time now to pick up the meat and fresh food marked down to 50% because it’s near its sell by date. There is nothing wrong with it, you just need to use it right away. I find there is far less food waste because when we worked we ended up throwing out food we had run out of time to use.
Sounds wonderful Susan you are both obviously enjoying a lovely retirement, we often buy 50% off meat 🥩 we have had great steak deals if we don’t use it that day we freeze it .Have a wonderful weekend Cheers ☕️🍁😎
We are the same ….. seems we are living the same life ….
Love the reduced price when we shop
Another great video guys, as you know we sold our house last year, bought a condo out West with the profit, paid off our debt and we are enjoying life, my husband drove a transport truck which was extremely stressful in the winter months, now he as lost some weight, eats better and we walk our 10.000 steps every day, what I have noticed is family who say they can't afford to retire but if they would just change their lifestyle, downgrade the house, sell their luxury items such as motor homes, cars etc then I am sure they could retire tomorrow, you have to go into retirement with a different mindset and yes, it was scary walking into the unknown but the best thing we ever did and it all started with your video 'how to retire broke' lol 😆
Hi Lynn, we are so happy for you and yes winter driving is stressful Norm was a sales rep and winter just added to the stress. You are right some people are owned by their possessions and are addicted to spending, in the meantime we are having a great retirement. Glad it’s working out for you and your husband. Thanks for supporting our channel.
I think a lot of people are nervous about retiring for multiple reasons and that has been me I have to admit. I have been working and planning for retirement as long as I can remember really. I am in construction engineering. Working is such a large part of your identity it's hard to imagine staying home and living off a retirement income. Also there are so many co-workers coming in up into their 70's and nobody really talks about retiring much. I am 60 now and I have us setup to retire with as much or more income than we have coming in now. For the last 10 years I have said I will retire when I turn 62 and get Social Security. That day is now 2 years away and suddenly I can't wait! Videos like this are a big help as they really open your eyes to the "what could be". Thank you.
For some people as you say their identity is work and maybe they haven’t saved anything or enough to retire comfortably. It’s a shame because retirement is a new opportunity and new life where you are your own boss. Good luck with your retirement and thanks for watching.
Yes, our health care is a big deciding factor in the U.S. Sitting down and working out a budget is a key factor in making the decision to retire.
Yes we realize medical is very different in the USA 🇺🇸 having a budget helps cope with the challenges have a great weekend guys 🇺🇸☕️🇨🇦
Love the Rush shirt!!! I’ve been waiting for that one. My fav band of all time!
Great music thanks for liking the T-Shirt Cheers 🎸🎶☕️
Many thanks for sharing your experiences. It is really helpful. From one Ontarian to another!
Our pleasure glad you enjoyed it have a great week Cheers ☕️🍁🙂
Nice shirt Norm! I find the older I get the less time I have and time seems to go by faster. Like the lyrics in one of Rush’s song…‘you’re only immortal for a limited time’….so make your plan and retire as soon as you possible.
Sounds great Denis have a wonderful weekend Cheers ☕️🍁🇨🇦
Hi Tina and Norm,
Another great subject, time vs money is a real dilemma many of us are facing. Unfortunately, the answer is not simple for many. The problem is how much saving is enough. It’s not a simple formula for many to figure out, especially us, lol.
Have a great week, enjoy the warmer fall weather.
It can be a lot easier than you think , do a budget of your expenses will be as retired then find out what your government pensions will be ( this might surprise you ) if there is a gap in years you will need savings or another stream of income then you are good to go . Always consider moving to a cheaper area to reduce big time your expenses we took early retirement 7 years ago and have never looked back it’s wonderful Cheers ☕️🍁😎
Really appreciate your insight in this tough decision!
Lot to ponder here. I want to combine seasonal work with retirement, working at this at home job from mid November to the end of April. Then relax and travel for the remainder of the year. The contrast would really compliment each other.
Sounds great! we wish you all the best Kevin Cheers 🇺🇸☕️🇨🇦
Another great video guys! Love your transparency and honest feedback on your retirement journey. You are definitely helping others who struggle with similar thoughts and questions about retirement. 👍
Our pleasure! we are glad we are helping others moving into retirement have a wonderful weekend Cheers ☕️🍁😎
So true. The 60s are the Go Go years! Enjoy them because they will never come around again 😊
So true! have a great weekend Laurie Cheers 🇨🇦☕️🇺🇸
My husband was in sales for 30 years and as I have previously mentioned, he retired July, he turned 60 this year. With Covid, his life completely changed, as with everyone else, and he also began to realize that there is more outside of work and what he was used to doing all of his life. I am very happy to say that we worked together, came up with a plan and here we are :)
That’s wonderful Paula we are so happy for you both , being retired we feel is just the best we wish you all the best Cheers ☕️🍁😎
We made the decision in 2017 that we were each going to retire when we turned 58. I retired in 2020 and my wife this year. We were both good earners, I was in sales and she was/is an RN, and both good savers. We raised 4 kids with the youngest being 21 and in college.
I got an inheritance at age 56 which allowed us to buy our farm here in Georgia, where we live and raise all of our own food. This is our lifestyle and I can't imagine living in an apartment. I have a pond 50' from my back deck where I can fish. We have deer all over the property( I need to shoot those destructive suckers) and we have a nature trail through the woods with a few benches scattered around for relaxing in the woods.
We travel a decent amount around the US and have some plans for international travel in the next 5 years. In my career I was a Diamond member on airlines, hotels, and rental cars as my job took me all over the US, Mexico and Canada as well as the occasional international trip, so I've seen much of the world but I've never been to Europe or Africa. I still have about a million miles with Delta that we need to use.
Regarding Healthcare in the US. We have just gone onto Obamacare/ACA. Because we have one child still on our insurance our monthly premium is only $175. That covers all of our preventative care but carries a pretty high deductible. Just like you mentioned, we are in good health and have the assets to pay the deductible if something bad happens.
I beg all my friends to retire early. You are 100% correct when you say that, by age 70, there's a good chance that one of you will begin to falter in some way. That's not necessarily a pleasant thought but it is reality.
Our plan is to live exactly how we want for the next 10 years. I'll be 70 and my wife 68. At that point, God willing and the creek don't rise, we will reevaluate our situation. By then we may be tired of chickens, cows, and pigs and decide to buy a condo in Playa Del Carmen. One thing we do know..we aren't moving anywhere where it snows!
Thanks for sharing we wish you all the best with your well thought out plans for health and travel, yes we all need to use the window of opportunity to travel before health changes . We used to also have Deer 🦌 on our 2 acres home before we sold it , but we have adjusted to an apartment it’s wonderful and has for us removed all unexpected maintenance and expenses way less stress. Have a wonderful weekend Cheers 🇺🇸☕️🇨🇦
So on point for me. I am right on the cusp of retiring and i'm firmly in that heart v mind battle. If retiring early, planning is key you are right. If you map out expenses v income and come out with a comfortable liquid income that will last you into state pension age and maybe beyond, then go go go.
You got it Dean just GoGo ! we have never looked back have a wonderful weekend Cheers ☕️🍻🍁
Great to see you are a Rush fan Norm!
I have to stop working at age 59 through fatigue related I’ll heath. I plan retain our 4 bedroom main residence rather than selling and renting. I favour the approach of appointing a short-term letting manager for two or three blocks of time totalling 6 - 9 months avoiding the colder/wetter months in Scotland. This way I can make a healthy passive income to support our modest lifestyle in warm and low cost countries such as Thailand, Malaysia, Indonesia and Turkey. This way we can hopefully also benefit from long-term appreciation in the value of our home. We can also adjust the plan as we go knowing that if circumstances change that our home is there for us if we get tired of the nomadic life or come up with a different approach that suits us better. I do like the idea of decluttering at this stage in life. Most possessions we have don’t make us happy. Less is more if it means we can live life in the sunshine in interesting places amongst lovely people.
We wish you well Paul hope you plans work out for you have a wonderful weekend Cheers ☕️🏴🇨🇦😎
Another sleepless night and I'm up watching you two. Hahaha. Great video guys. Wonderful information too. Cheers 😘🥂😘
Our pleasure! sorry you couldn’t sleep 😴 Frank but glad you watched us hope you have a wonderful day Cheers ☕️🍁
Hi Tina and Norm.Contacting you fom sunny Scotland. Been watching you two for a while now and your right on the money on everything you have said.There is no equation as the main factor of how long you have is the big question.I retired at 55 this year and my wife who is 4 yrs older took retirement at 50.Its very important not to have any debt when you decide to throw in the towel.The best decision ever. Keep up the good work in your channel
Thanks James we appreciate your support, congratulations on your retirement.
#1 Love your work. People who dislike their job for 45+ years get changed and not in a good way mentally or physically. If you don't learn how to manage your brain during your work years that's unlikely to change in retirement.
#2 Thinking retirement is going to be a non-stop party is likely to be disappointing. I've seen many go wild on day 2 of retirement. After 5-10 they're pretty sick of the party. That's when they started to do things they actually wanted to do. Walking is popular. Ya know how your dog goes crazy for walk? Same with many people. A slow social media boring life seems to be what most like best. True for me.
#3 Learn to entertain yourself and you'll save a boat load (literally) of money and you'll almost always be happy.
#4 Are you doing things because you want to or because you think you should want to? My parents retired and almost immediately sold their Upstate NY home and moved to Alabama. They wanted a house on a lake and those were cheaper in AL. And thought that's what retired people do...move from the snow to the warmth. Within 3 years they were back in NY.
#5 If it's all about the food...that's unlikely to end well. Unfortunately I don't need as much food as I did at 20. Every year seems a reduction is needed. One day I was at a restaurant with friend for lunch and the main topic of discussion was where we were going to eat dinner that evening. I noticed a huge chunk of my life revolved around food. I was 40 lbs overweight (actual 40, not the current sliding scale where 50 over is "normal"). I seemed healthy, but knew what this path lead to. I haven't eaten out in 4 years and I buy almost no processed foods (getting off Ranch dressing currently). I'm healthier, have more time for things I enjoy more and safe a tremendous amount of money.
I've been retired 21 years. Just things I've noticed.
Wonderful comment thanks for sharing it with us!
Hi Tina and Norm, good to hear your prospective. We came to Canada (2020) unknown how financially it would pan out. We bought a new bungalow, have investments set aside, have pension income that exceeds our outgoings. Happy days and looking forward to our first cruise and bet you are excited to be Alabama bound. 🍻 🥂
That’s great Fay all sounds good with you , yes your cruise 🚢 nearly here are you packed yet LOL 😂we can’t wait to be in Alabama Cheers 🇨🇦☕🍁🇺🇸
@@ThisIsOurRetirement Yes I feel very thankful. I know what we are packing ha ha what about you 😁
Packing soon but we leave before you LOL 😂we have got more used to it with packing to go to the trailer 🍁☕️
@@ThisIsOurRetirement did you decide to drive or fly...isn't this a surprise weather weekend 🤔
It’s beautiful weather we are driving 🚗 to Alabama , we personally feel more in control driving and with all the stuff still happening with Covid we don’t feel comfortable flying ✈️or with airports 🌺🌺
Well, your T=shirt made me start singing "I get up at seven, yeah, and I go to work at nine. I got no time for livin', yes, I'm workin' all the time
It seems to me I could live my life A lot better than I think I am .." so that is why I retired two years ago and living a better life!
Wonderful Suzy!
Really enjoy your videos. I am wrestling with the thought of retirement and am thinking it'll be in 6 years when I reach 65. I am already drawing a substantial military pension and only work 2 days a week which allows my wife and I plenty of time to travel. I do find total retirement scary....
Big question here Gerard if you have a substantial pension do you really need to work two days a week 🤔or if you stopped you could so much more travelling together while you are both healthy. We were 58 and 60 and in those 5 years before Covid we did many cruises 🚢, land trips , long stays and created many memories we wouldn’t change a thing . Have a wonderful week and it’s not as scary as you think the fear is worse than just doing it Cheers ☕️🍁😎
Fly By Night. My first ever Rush album I bought…..all those years ago
Wow thanks for sharing Cheers ☕️🎶🇨🇦🎸
Like yourselves I am an English immigrant to Canada, left school at 15 yrs old, came to Canada at age twenty. At 35 I started my own sales company (and started a family of two girls “), at age 55 retired ,now I’m 76 yrs old . Since retirement we spend six months of the year in our place in Costa Rica,we love to travel ( something like 90 different countries so far) . All this I put down to my wife’s ability to handle the finances,as I am useless…😉
Congratulations Gaynor on your life in Canada and for marrying a smart lady!
Retired at 59 as a teacher. Best years continue to follow. Still playing amateur French horn at 78 and hiking and swimming.Right on concerning health benefits.
Sounds great Peter health is really important to a happy retirement Cheers ☕️🍁😎
Keep up your mission.
Hi Tina and Norm, My husband is retired and I am so looking forward to retirement myself. Currently we have our dogs who are now 13 & 14 years old. They are small dachshunds and once they have passed on, we have made the decision to sell our home and move into an apartment. I believe I have finally found an apartment complex which would be suitable for us but it will be a move to another area of the province. We plan on making a road trip one day to check it out and the town.
I am looking forward to the freedom retirement will bring for me since I am always feeling that there never seems to be enough time in the day to get everything done.
Thank you for bringing up the topic of age and health since I often wonder if I should just retire early or wait till I am 65? I think once our dogs are gone it will be best time to make a big change in our lives.
Your videos have given me so much information and so much to think about. I always look forward to them.
Thanks Ann for watching our videos, it’s encouraging that you have thought through your retirement options, we wish you well in your retirement.
We can relate to the chapter of your lives. Mortgage free, kids freee, pet free. Take a deep breath. Budget and research everything. We stopped working at 60. Spent our rrsp. At 65 we took oas. We sold the family home in spring, moved to condo. We can live off our pensions and investments. We will take cpp at 70. Time To update the wills. Maybe look at a legacy trust. Words of advice, do not fear the unknown. Thankyou this is our retirement for showing the path. Truly the best time of our lives.(except the sex part, sigh).
Nice RUSH t-shirt Norm!
Thanks Matt Cheers ☕️🎶🍻
Great advice today! Heartfelt and very well expressed. You are both always so careful and sensitive to other people's situations.
Our pleasure! glad you enjoyed it Barrett have a wonderful week Cheers 🇺🇸☕️🇨🇦
The comments for this video are very interesting. My mom passed away at 77. Her 4 siblings all made it into their 80's. 3 are still alive. 1 is in a nursing home and doesn't even realize that her 62 year old son just passed away. Alive but not really there. Quantity of life and... quality of life. Things to consider for sure, when making all these decisions for oneself. You guys do such a great job at getting us to think a bit deeper.
Thanks for sharing have a wonderful Sunday Cheers ☕️🍁
The T-shirt is beautiful and also perfect timing for Halloween 🎃
Thanks so much Cheers ☕️🇨🇦
So good that you have each other on the same page💕
Thanks Monica , it is nice to be on the same page have a wonderful weekend Cheers ☕️🙂🍁
It's wonderful that your photography gave you such a good income. Would you ever be willing to do a video on how you started your business and share any tips for your viewers? It seems like a great way to take a hobby and turn it into something very profitable! Also I was wondering if your photography required you to travel a lot or whether you sound local places to look for your photos.
What a wonderful advice, thank you
You are so welcome! glad you enjoyed it have a great day Cheers ☕️🍁😎
Great topic guys! Have enough money. Am 68 now so have made the big assumption that will be able to travel till 75, so planning 2 trips a year. So 2023 love to see the Vermeer exhibition in Amsterdam and go back to Venice next fall in 2023. We came to Canada in the 60's via one of the last Canadian Cunard transatlantic voyages before the jet age, so the Queen Mary 2 is definitely on the bucket list ! Great work , Norm and Tina
Sounds great! we too Stephen are hoping to be good to travel till 75 , our travel insurance covers up till 75 for trips up to 31 days. If we have a longer trip we will take a top up to it .A cruise 🚢 on the Queen Mary sounds great we have visited Amsterdam but not yet Venice .Have a wonderful weekend Cheers ☕️🚢🇨🇦🍁
@This Is Our Retirement Have a wonderful weekend too guys ! Took your advice and got the BMO air miles credit card. Unfortunately just got $1000 credit limit, which is understandable as not a BMO client, so will have to phone in and get the limit raised. As soon as that's sorted will book the air transat club class and the BMO travel insurance > Thanks for all your help guys , so appreciative
One more thing then will be totally quiet guys
. The Bank of Canada will raise it's policy rate 75 basis points on Wednesday, so anyone wanting to buy a GIC or T-Bill may want to wait till Thursday
Just a reminder 🤔 Stephen the insurance is a policy for full Travel and medical insurance additional to what comes with the card .We pay 💰 $326 a year goes up every 5 years till Norm is 75 🍁
@@ThisIsOurRetirement Perfect, thanks so much guys will buy the policy this week!
People are told to get married have children and buy a home. But now your saying renting is more cost effect and I agree. I’ve decided not to buy not just because of interest rates and inflation but I’m not going to work for the next 30 years to pay off a house I’m 59 and it doesn’t make sense to strap myself with debt. But it is against what most people say you ought to do to have a nest egg. Watching your videos is helping me to go with what I most desire, invest for income, travel and live my life. Thanks for sharing.
We believe Lori that we are both right, ditch the debt and pay as you go, renting has worked out well for us. The hidden costs of homeownership is what most people can't grasp. Have a great weekend!
Thank you for sharing your insights. ❤
Thanks for watching!
Another great video, Norm and Tina! I retired about 5 months ago from what had become a highly stressful job after calculating a budget and reviewing my savings. It was impossible to get a realistic idea of how much health insurance would cost ahead of time, though. Now I'm finding that it is costing us about $1,000 a month even with a subsidy from the Affordable Health Care Act. That is a lot more than I planned for.
So glad you retired Robin and hopefully now a lot less stress, that is a bit amount 💰 for medical 🏥 there are lots of comments on here on how others are saving or finding cheaper medical perhaps some might help you Cheers 🇺🇸☕️🇨🇦
@@ThisIsOurRetirementor move to canada
I have been retired for 3 months (at 57). I knew I had to go because I lost any interest in doing any work. I stopped caring therefore it’s time to step down. I did nothing since except making meals (for my mother), swim, and browsing RUclips daily. I just stared preparing for a car camping outing. It’s been a while since I last did it so it’s like getting back into something. I welcome this new initiative because it means I am feeling ready to be more active.
Sounds great Jen lots of new adventures ahead to keep you busy have a wonderful weekend Cheers ☕️🌺
am on track to semi retire at 45, and work half time (6months/year) for 5 years and fully retire by 50
Sounds a great plan we wish you all the best Cheers ☕️🍁
Hi Tina and Norm! I think you’ve said that you live in a rent controlled situation. If that’s the case I think that every time you discuss selling your home and choosing to rent, you should mention that important fact. Just my opinion. Love your channel and content!
We pretty much always mention that.
Great video with lots of good points to consider.
Glad you enjoyed it have a great week Rebecca Cheers ☕️🍁🙂
Thank you so much for the guidance. We are planning our retirement and the time/money decisions are not easy.
Your very welcome just do a bit of planning Bailey Cheers ☕️🍁
The right time for me was when my I lost interest and passion for my career. I had planned on retiring at 65 but changed that to 62 with no regrets.
Another wonderful and above all helpful video Tina and Norm. Very interesting to hear your perspective on age and how it creeps up on you. I semi retired at 56. Still work part time and really enjoy it. It still daunting what lies ahead but you only live once and its important to be happy.
Leave the COJ behind if you can I say.
Have a great weekend and here's to next Saturday.
Hello Richard, retirement isn't as daunting as you may think, thanks so much for your kind words and have a great weekend!
Hi Tina & Norm good to see you both again some more good tips as usual time can wiz by and people need to take stock and I think your prompts are great .
Regards Christopher Barker
Time really does flyby Christopher, it's always good to hear from you! Have a nice weekend.
Great video on a topic we discuss daily about the right time to retire as I approach 62. Also great t shirt!
Thanks Mike, Rush is a great band!
Top content …Top T shirt!
“Fly by night, away from here
Change my life again
Fly by night, goodbye, my dear
My ship isn't coming and I just can't pretend”……🎸
Love your shirts Norm but had to comment today! (look at my name) Given you reside in Canada it makes sense you’d have an appreciation for this band. I was crushed when Neil Peart passed away.
Besides this, thank you both for your advice. Listening to you is like speaking to a good friend who visited from the future and advises you on what you should do to live out your best life.
Your very welcome Strangiato have a wonderful weekend Cheers ☕️🎶🍁🎸
Love the show. Rush world famous drummer died last year R.I.P. Neil Peart. Great band of 40 years.
Glad you enjoyed our show we really enjoy their music 🎶 David have a wonderful weekend Cheers 🍻🎶☕️
RUSH : OMG, n-o-w you are talkin' ! ! ... great video ----------- precursor to "time/timing" of Ret. is one's health / / / precursor to "money" is 1.5 to 2.0 x living income (example: total investment and pension brings about 60-80k or more when u need 40k/year/person for a decent lifestyle ) . . . imo
A great Canadian ban Timothy, we love their music. Health is irreplaceable and a cornerstone of a good retirement.