I just came to this epiphany at 47. I had chased the career advancement my whole life, and bought the bigger and better house with a pool in the nicer neighborhood near the city. I’m now realizing it’s not the life I actually wanted. I just got caught up in it. Selling the house. Moving across country to a small town with a small house closer to nature, which is what brings me joy. Planning on retiring at 55.
nice! I hope you get the price you want to get and that you find what you are looking for. Who needs a big house anyways, they cost a fortune to maintain, take forever to clean, and locks away a good chunk of your net worth
Damn! Age 47 is my retirement target straight to Thailand with 300k in liquidity.but these next 2 years 5 month sabbaticals abroad hiking,foodie tours etc and working part-time.
I think the retirement crisis will get even worse. A lot of people can’t save because of low paying jobs, inflation, and insane rental rates. And now that home ownership is out of reach for middle class Americans, they won’t have a house to retire with either.
Rising prices have affected my intention of retiring at 62, working part-time, and building my savings. I'm worried about whether individuals who weathered the 2008 financial crisis found it less challenging than my current situation. The stock market's volatility, coupled with a reduced income, is making me anxious about having enough for retirement.
I completely agree; I am 60 years old, recently retired, and have approximately $1,250,000 in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!
Annette Christine Conte has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.
@@Rachadrian Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
@ why would you want to pay your landlords mortgage and not fully own your home when you retire? Also, you will still need to pay rent when you retire and rents are only increasing. Rents at mobile home sites are also higher than ever. Buying a home is not a problem, but buying a home you can’t afford is.
People are facing a tough retirement. and it's even harder for workers to save due to low-paying jobs, inflation, and high rents. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire in.
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.
It's recommended to save at least 20% of your income in a 401k. Stacy Lynn Staples taught me to estimate how much you should save based on your age and income. I've been with her for years now and her decades of experience in the markets translate to chunks of value in so many ways! She has upscaled my portfolio and even got me reading self help books haha
I work with Stacy Lynn Staples as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
54, worked hard my entire life as a contractor. At 50 I started working hard December- May, making enough money to skate through June- November comfortably and enjoy my life. Hunt, fish at my cabin in the woods, family and being present. One life, enjoy it while you can. In the end, nobody is going to care what you did for a living or how much money you made, they’ll just remember the time you were present.
I am 54 and been a contract painter for 34 years ,this year I've worked 70-80 week. I got offered million dollars over the five year's that put me 59 . I'm not sure I want to sell my time for that. When you get to this age you realize time is worth more. I think it's about time don't want waste it.
Great video! I’m about to retire early at 57. Last 6 months did 4 days a week, off Fridays using saved leave. I also never sought a promotion the past 10 years -it would have meant more work and managing people for only a 10% raise. Quality of life is key!
Great advice ! In my early 50s, I stopped trying to impress upper management in order to get a promotion or advancement. I settled into my career and focused on becoming the best at what I do - it was very fulfilling. Retired at 60 at the top of my game.
At age 50, I recognized that there were no promotional opportunities at my employer that interested me or paid enough to take on the additional responsibility. Nor did I want to leave for another employer. Therefore, at age 50, I decreased my work schedule to four 8-hour days - every Friday off w/o pay! Now I'm getting ready to retire in two years.
Dear Azul you are so right, I am 63 and I love my job because I do what I am good at. In recent years we had changes in the organization and a lot of colleagues were telling me they saw me as the candidate to take over more responsibility….my answer was, listen I am 62 and I like what I do, And I am ready to help the next generation for a few years, but taking more Responsibility will not make me happier😀
Same here.. the thought of having to manage 60 persons of ages from 20-45 and having to deal with that daily personnel grind made me respond a definite no
Lost my wife and sold our retirement home, large home on a 3 acre pond etc. The amount of stuff one has in a 5000 sq home is overwhelming. Now going back into consulting and turning around business with an eye on just enjoying the experience! Good video. Thank you.
I'm a 48-year-old doctor who feels exhausted from stress and long hours. Because I've always thought the economy would eventually collapse, I've never made any investments in a retirement portfolio. But since I'm getting close to retirement, I'm wondering how you would begin if you had $1 million to invest safely in equities over the course of four to five years.
To minimise risks and maximise growth, I think every investor should begin with exchange-traded funds (ETFs) for a strong foundation, then diversify across asset classes and continue to invest regularly and systematically.
Nowadays, hiring a financial advisor is the best way to navigate the stock market, especially for people who are getting close to retirement. I've been working with one for some time, and since Q4 2022, my portfolio has increased by 85%.
@@j.ottinger Amazing! I'll be honest: I'm afraid of retiring when I turn 60 on my next birthday. I have to make sure I have enough cash to get by. How do I get in touch with your advisor? The performance of my retirement account is poor.
She goes by “Annette Marie Holt I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
This video really resonated with me. I hit 53 in 2025 with wife retiring as a teacher next year. I’ve got at least 10 more years. Stopped caring about climbing the corporate ladder once I hit 50. We are going to downsize into smaller house, get rid of the “stuff,” and we no longer have a need for big toys anymore. It is mentally freeing working towards our future.
100% Yes I have been trying to say this to many people. If you have not made it to where you want to be by 50. Ugh! Stop already. Be present and enjoy life.
Your point #1 - I just at 56 went through, had a major opportunity that was very flattering, but decided on me and family vs. money that would not materially move the needle at this point. Not regretting it at all. Wished your video here was out a month ago and I would not have fretted over saying ‘no’. Glad to still do a great job, but I’m done climbing. 😀
After 35 years of working since I was 15, I'm semi retired now. Stepped back from corporate life and am now doing an easy job working with many younger people. It's just great to go to a job that has no stress, no email, no contact after you leave, no meetings. Life is great!
This video resonates with many especially on “how many summers do I have with them?” In the last few decades time will just fly by…I appreciate the author reminding us of how short of the time we have left. The secret of happiness lies with contentment.
My last three years of working, I cut back to 24 hours a week. I told my coworkers I would maintain the old product and they could move on to the new, sexy products that would get them noticed and maybe promoted. Knowing the old product made maintaining it easy and very low stress. So I completely agree with your video.
Im 50 and really love this video. I really have to thank you for saying all of this. I encourage people my age to go through your home , organize everything and get rid of as much that you do not use.
I am also 47 and really needed to hear the first point. I'm always waiting to see what more I can get, instead of realizing that more work and marginal pay gains aren't bettering my life. Just need to focus on doing my job well (stop overspending on useless junk) and planning for my own retirement in the future.
I always planned to retire at 55 as far back as when I was a kid seeing the freedom 55 commercials on TV. I retired at 53 and work 2 days a week that covers all my living expenses and I still save $1000's a year. I live half a block from the beach with stores and restaurants all around. I never drive anymore at all, everything is in walking distance. I also got permanent residence in Mexico this year, just incase l want to move there. But I do prefer SEA and see myself moving there in 4 years when I turn 60. It's great to have options.
Yes ! That s right! When i observe my inner motivation i can say i have changed now just entered in my 50..i have chased the career i m not satisfied with but now i made the choice not chasing anymore..to let go and concentrate on my health the relationships arts and travel. Energy is not unlimited . You discover that in the late 40...so invest in what is most important!🎉❤
Truth or better still... Wisdom has been spoken. I'm 45 and I'm like a year into this mindset and it's great. Not that I'm able to retire or will be any time soon, but enjoying the moment and simplifying the life, that's that. That's great idea.
I realized at 54 my job was taking too far a toll on my health. My employer kept trying to promote me not realizing I was counting down the days until I could get out. Finally retired at 58. So glad I was a saver and have plenty of money to live comfortably and help family as needed. Now at 64 I’m paying the price physically for pushing myself all those years. I have no regrets. Proud to have made enough for several generations.
Great video and message. It’s funny because at 48 I’ve been finding myself feeling that I need to do exactly all of these things moving forward. In fact my goal for the last 5 ish years have been to truly focus on what I need to do to prepare my wife and I for financial independence at 60. That involves a lot of the things you just mentioned in this video. I removed myself from facebook a few years ago due to that constant comparison of my life to my friends or family. It has been liberating to focus on myself and my life, and be happy and content with it 😊
I had retired this last May after 34 years working for a large corporation 👎🏻 Never again your just a number no loyalty either employer or employee. It does take time for the adjustment of not being employed but so far it’s good 😊
You are absolutely right. You left out the most important factor tho, which is preparing to meet the Lord by living a life that pleases him before we leave this earth. Great video! You are so oo right!
@grubthomas4826 “You are absolutely [...] You are so oo right!” ===================== There is not a shred of credible evidence that ANY ‘Lord’ exists.
I’ll be 52 in April and I have no desire to go through the corporate meat grinder for few more $$$. Being completely debt free and empty nesting with my better half outweighs long hours. Totally happy with my decision.
I'm 40, and all of this is spot on. I made it a goal to have my house paid for before 40. I paid it off at 38. I've never had a car payment. I basically never liked owing anything to anyone.... but not having any payments besides utilities and insurance and property taxes. Gave me a real sense of freedom. But it's definitely tough out here and will probably get worse
I am 57 and I am going to be interviewed for a position that is 20k more which helps my retirement pension which takes the highest earned income in the calculation.
100%%% agree with you . Any promotion at this age means more time to be invested and more health to be consumed with those companies which I don’t have and not interested to give anymore.
Amen to this point of view!! Wish everyone thought like this. It makes more advancement opportunities for the people behind us, and makes for a mentally better way of life for ourselves. I'm 56 and retiring in 4 months. The light came on for me a few moths ago. The peace & serenity that has overwhelmed me on this decision, has overcome me like a tidal wave. No more office BS, no more waking up at 5am (other than to pee, lol) or dealing with traffic, traffic in crappy weather, no more responsibilities other than when the tide is right to go fishing, or what time I want to play golf. 37 years of jockeying for a position, has taken it's toll. Finally that position is mine to enjoy for however long God allows me it to enjoy it Life is like a bakery, your given a number when you're born. Pray the number isn't called before before you can enjoy life.
Enjoyed listening to this and at 53 can relate to all these points after running my own small business for the last 15 years and of late have been thinking more about my time and less about striving in business. We travel to the US a few times a year and love the New England states but you guys work dam hard (maybe too hard and have little annual leave) but you guys LOVE your stuff. It’s still shocking that when you refer to lowering your horizons in terms of hours 60/70 to 40/50, 4 cars to 3 or 40 pairs of trainers to 20, that’s still the problem at least when compared to us in the UK. I have only ever worked 40-45 hours a week but want to reduce, only have 2 cars but could cope with 1 and 3 pairs of trainers would be enough. I definitely want to pendulum to swing move towards me and my family time then striving in business, good luck to reducing stuff and work hours…
I realised buying things I wanted wasn't really of much benefit, a few hours of joy. Then it'll go in a drawer, and I'd want something else. Most of the enjoyment came from searching. It slowly came to me i had lots of money invested in items getting little use. A new car is great for the first month or so. Now, I'm investing that money in retirement. Just last month, I lost one of my daughters. I'm devastated. There's more important things in life.
So right on owning a big house.. maintenance there is always one thing to do or repair//fix and even having to organize contractors to do it I find having a nice nap everyday and planning small things - trips, family things - bring me the most joy
Career advancement can be a problem when your company thinks you need to always be progressing. I get looked at like I have a 3rd eye when I say, I want to just stay in my position and don't need to advance.
I’m 53 and have got high up in my profession. 50-60 hours a week though it gets harder. I now accept this situation, I’m high and could go higher but and am not pushing for the very top now as even more stress and tiredness at this age is no longer worth it. So I totally agree with this sentiment. We picked up 4 top awards at a ceremony in London this week, presented by a big U.K. TV star, and it was great. I’ll look back on a fantastic career and still have enthusiasm for it, but 5 years I think I’ll be done. I personally made a decision years ago not to get a bigger house- why? Have enough space. Car, I’ve had some nice ones, and get a new one every 3 years but don’t now go for expensive brands. So my house is quite modest for my income. I have no interest in comparing to others. I’ve saved for retirement and we’ve done amazing travel taking the kids on 3-4 luxury vacations a year for years. Those are memories that we will always have. I do like my gadgets though😂
I always strived to be in the above average half of the workforce, that doesn't change when I was 50 except by then I was one of the few key people that did my job plus other people's jobs as they were laid off. You know corporations love to lay off people once they reach 50, plan to be ready for retirement by age 50
My philosophy is "do what you can for as long as you can" without negatively affecting your life experience. Depends on individual goals, motivation, energy and life situation. For sure "one size DOES NOT fit all". I don't like people who try to tell you what to do with your life. I'm 66 and still going strong, I have siblings who tell me "why don't you retire, you're old, we die and we don't take anything with us". I think that is nihilism, I am existentialist, I give meaning to my life. My greatest motivation is to leave a better world for my children.
@44, I am here. I learned a lot watching my father and doing all the work around the house. At one time we had 2 convertible sports cars. Sold them both and invested the money. More stuff is more stress for me. I love my moderate size low maintenance house. Keep it simple. I do enjoy a couple mountain bikes and a motorcycle. Everything is paid for except a small mortgage that is about 8% of our monthly net income.
Currently 45, looking at career advancement, full-time hours for the next 10 years, then begin reducing my days/week after that, slowly easing into the retirement for the remaining 10 years.
Thank you for this video. I am in my late 30s and I am planning when to retire. I 100% agree that 50s should be the time to do less work and more of chasing other hobbies that once we wanted. May it be to travel more and live more the life you really wanted for yourself. 🙂
I'm a 48-year-old doctor feeling burnt out from long hours and stress. I've never invested in a retirement portfolio because I've always believed the economy would collapse eventually. However, I plan to retire soon and I'm curious: If you had $1 million to invest safely in stocks over 4-5 years to grow, how would you start?
I believe every investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
Opting for a financial advisor is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with one for a while, and my portfolio has grown by 85% since Q4 2022.
Impressive! I admit I'm scared about retirement as I turn 60 on my next birthday. I need to ensure I have enough money to survive on. How can I consult your advisor? My retirement account isn't performing well.
She goes by “Annette Christine Conte I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
I have blasting away the past few years so that my pension and investments are where I need them to be come retirement. I had a mentor who was instrumental in balancing work and home life. Since I get 6 weeks of paid vacation every year, I combine that to “Leave Income averaging” offered at my work so that I can take week off every month. This has been the best balance for me in order to keep myself from burning out and having ME time.
I cannot enjoy work when I feel being underpaid. I would rather retire sooner then being forced to "enjoy work" as a financial necessity until I am physically unable to work.
This is totally true, and great advise. Though there is a threat that is unavoidable. As you mentor younger employees and they omprove their skills and experience getting closer to your sklills, companies will let go the mentor which is more expensive, and use the lower cost emplyoees, maybe promoting one to take your place at a lower rate. Companies don't value loyalty nowadays and experience anymore, they use more experienced people to level up lower cost employees, it's all numbers, and each employee is just a number.
Agreed. I actually stepped down a rung at work at 49. I got tired of the stress and bother. Luckily I had saved/invested pretty hard in the previous years, and paid off my debt/mortgage long ago. My house was always a small cheap one as well. I was never a spender, more of an investor; this allowed me to be a no debt millionaire on a fairly low salary.
I used to be all about climbing the corporate ladder, but after hearing this, I’m starting to think maybe it’s time to let go of the hustle. 🏃♂ Anyone else struggling with this shift in mindset?
I'm done chasing the next level at 60. Just keep the paychecks coming until I'm done working for them. That's all I ask and I've had to make that clear to my new manager a couple of times. He's late 30's, really smart guy but isn't really "hearing me", I think. We're in a defense science laboratory and it's not uncommon for people to work themselves into the grave here....careers over 50 years! I am NOT going to be one of them. I'm not working the alternating Fridays we normally work at least through end of this year and possibly until I retire next year. We have a huge house and yes, it will get difficult to manage eventually but we love it here and I have a big garage/hangar and we're surrounded by other pilots and gear heads. It's heaven for me. We'll make it work.
Since reaching 52 and having got my finances sorted out years ago I'm looking at another 5 years tops, at work it almost feels like I'm winding down already. I spend more time talking with people, encouraging the younger people at work to do certain things or consider certain things. I don't get as stressed on some stuff anymore, but other things I just roll my eyes as I've seen it all before. I guess in your 30s you have decades left to run, there is no end in sight so you just get head-down and get stuck into work hoping to muddle through somehow. Now I'm 52 I know the end of this stage of the relay is almost over, coming down the home straight and I can see my future self waiting to take the baton. I'm excited but also a little scared about what I'll do with my time for the next however long I have left. I've never liked lots of choices in life, I've always preferred a limited number choices as it makes it easier to weigh pros and cons quickly and not dither on decisions, I guess this being a huge step it shouldn't be done lightly and that's the problem for me, more stressed than ever before about something that should be a happy time. Money's not a problem, I got enough to go today if I wanted ( can't though as my country's laws mean I have to wait until 57 ) it's more about what the hell am I going to do when I can do almost anything I like, no one will tell me otherwise, that's scary and so easy to abuse the privilege of so much freedom in your life for the first time ever since you were a kid 40 odd years ago now.
Watching the crypto market's ups and downs shows how quickly things can change. In crypto, strategic, informed trading isn't a choice; it's a must. Remember, caution is as crucial as ambition here. This dedication to continuous learning is inspiring...grew my reserve of around $87k in Bitcoin to $246k... I'm especially grateful to Eugenia Eiland tactics and strategies.
insightful comments, very much appreciated.. just came across the consulting page of Eugenia Eiland after inputting her full name on the web, super impressed with what i've seen so far
Literally Just Found her website easily it was like the first thing that came up when I searched on her name and also her mail address I will surely touch bases with her to see what's the best step for me to take rn. Thanks for sharing really do appreciate
The issue is most people have the "I want to do it myself mentality" but not equipped enough for losses, so they get burnt, no offense intended. Generally speaking, Expert/advisors are ideal reps for investing, and at first-hand encounter since the covid-19 outbreak, my portfolio has yielded over 300%, summing up nearly 7-figure as of today.
Without a doubt! Eugenia Eiland is a trader who goes above and beyond. he has an exceptional skill for analyzing market movements and spotting profitable opportunities. His strategies are meticulously crafted based on thorough research and years of practical experience.
Investing with an expert is the best strategy for beginners and busy investors, as most failures and losses in investment usually happen when you invest without proper guidance. I'm speaking from experience..
For the vast majority of people, getting a promotion with a $10-30k raise, even in our late 40s or early 50s, is impactful. It can help reduce financial stress, meet savings goals, pay for college for kids who are often around that age at that time, and can make one's career/work more meaningful to someone.
I'm 58 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for…
If you need advice, consider speaking with a financial advisor. Don't get me wrong, you can do it on your own, but financial advisors have a lot more knowledge and expertise in this area.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst
My CFA ’Melissa Terri Swayne’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thank you for saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
I changed jobs and moved states with 50 and made my best career advancement there with 52 years of age. It moved the needle a lot, and I really enjoy my career now. It is IMO totally wrong to limit career advancement to any age. I know people who did a big career starting off in the late 50s! What you shouldn't hunt with 50 and above is building a traditional family with kids if not having kids already. Great to be in a relationship, engaged, or married - or just single if you have been most of your life anyway.
I restore cars. A client I regard as pretty wealthy goes racing. He was high up in the banking world. He raced against a chap at the next level of hierarchy in the bank. He often said how nice it would be to have the means to live at that next level. The thing is, that next chap was racing against a billionaire, so even he felt at a disadvantage. This isn't about rich racers though: it simply taught little old me that a) there is no top, there will always, always be people with more wealth than you. b) There will always, always be people worse off than you. Just do what you can, when you can, try to preserve your health and your integrity. Get joy from being kind and enjoy the little things and give yourself time to do so.
My husband, 60, is a high achiever, and “retirement” has been full of anxiety for him and I’m beginning to see how this is affecting his mental state. It isn’t about the money. He NEEDS the constant validation, competition, awards and rewards, that came with work. Nothing is ever enough! It’s becoming increasingly exhausting!
Does career move the needle? It can if it involves stock options. Look at AAPL, NVDA, TSLA, GOOG, META, AMZN. Yes, it does mean 60, 70, 80 hours a week. If you love what you do, though, it's not work.
I work with people who are in their 60s and they're still trying to get promotions ! Instead of focusing on traveling or enjoying life, I feel sad for them ! And no they do not need the money! They're doing fine ! Don't understand their mindset?
I report to someone who is 20 years younger than me. He thinks his employees (age56-64) should be learning new things and software by osmosis or "asking around". I can't wait for my exit interview! LOL
I am mid 30 and I would argue that my time is way more valuable than yours. I can´t make or buy more of it and in my 30´s I am way more active and healthy. Why should I waste my time now ? Time is the most valuable resource there is to any human. My goal is to retire by the time I am 50. I don´t see any point in continuing working at all besides generating enough money to sustain one self and do things I want to do and couldn´t afford otherwise. There is no way I will be chasing more work or a promotion when I am 50. The goal should be to build enough passive income until you are 50. You could be layed off any day and you will end up without a job anyways.
Good to have a small house I dream of that Good to have less stuff I have no goals anymore though I still enjoy adventures though But I view overseas travel as too expensive and therefore stressful I used to dream of meeting someone nice but it never happened I never really worked out why it never happened I am a60 and saving a lot now Unsure when I will retire I think about 65 but I may need to go a little longer
I just came to this epiphany at 47. I had chased the career advancement my whole life, and bought the bigger and better house with a pool in the nicer neighborhood near the city. I’m now realizing it’s not the life I actually wanted. I just got caught up in it. Selling the house. Moving across country to a small town with a small house closer to nature, which is what brings me joy. Planning on retiring at 55.
nice! I hope you get the price you want to get and that you find what you are looking for. Who needs a big house anyways, they cost a fortune to maintain, take forever to clean, and locks away a good chunk of your net worth
Damn! Age 47 is my retirement target straight to Thailand with 300k in liquidity.but these next 2 years 5 month sabbaticals abroad hiking,foodie tours etc and working part-time.
@ congrats.
What if you move to smaller town close to nature and find out that you miss city life and big house ? lolz
You CAN retire at 55. But just keep in mind that NOT spending that dollar often results in that dollar still being in your account.
I think the retirement crisis will get even worse. A lot of people can’t save because of low paying jobs, inflation, and insane rental rates. And now that home ownership is out of reach for middle class Americans, they won’t have a house to retire with either.
Rising prices have affected my intention of retiring at 62, working part-time, and building my savings. I'm worried about whether individuals who weathered the 2008 financial crisis found it less challenging than my current situation. The stock market's volatility, coupled with a reduced income, is making me anxious about having enough for retirement.
I completely agree; I am 60 years old, recently retired, and have approximately $1,250,000 in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!
Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.
Annette Christine Conte has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.
@@Rachadrian Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
TL;DR 1) don't worry about career. 2) don't buy tons of big crap like a house 3) don't pursue stuff 4) don't compare yourself to other people
thank you!! I like this channel but don't always have time to listen to all when there are no video markers.
Where are you going to live when you retire if you don’t buy a house?
@@TheSpeedAddiction Rent an apartment or get a travel trailer. Also, if you have an interest in retiring in a foreign country, rent over there.
Thank you :-)
@ why would you want to pay your landlords mortgage and not fully own your home when you retire? Also, you will still need to pay rent when you retire and rents are only increasing. Rents at mobile home sites are also higher than ever. Buying a home is not a problem, but buying a home you can’t afford is.
People are facing a tough retirement. and it's even harder for workers to save due to low-paying jobs, inflation, and high rents. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire in.
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.
It's recommended to save at least 20% of your income in a 401k. Stacy Lynn Staples taught me to estimate how much you should save based on your age and income. I've been with her for years now and her decades of experience in the markets translate to chunks of value in so many ways! She has upscaled my portfolio and even got me reading self help books haha
That's an intriguing outcome. How can I contact your Asset manager?
I work with Stacy Lynn Staples as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
54, worked hard my entire life as a contractor.
At 50 I started working hard December- May, making enough money to skate through June- November comfortably and enjoy my life.
Hunt, fish at my cabin in the woods, family and being present.
One life, enjoy it while you can.
In the end, nobody is going to care what you did for a living or how much money you made, they’ll just remember the time you were present.
Well done Rob
I am 54 and been a contract painter for 34 years ,this year I've worked 70-80 week.
I got offered million dollars over the five year's that put me 59 . I'm not sure I want to sell my time for that. When you get to this age you realize time is worth more. I think it's about time don't want waste it.
At 50 I decided to quit making rich people richer and focus on me. Best decision ever.
I realised this at a young age a few years ago.
Started at 45, 14 years later still focusing on me, work for myself.
Semper Fi (to yourself)
This is totally spot on. I'm 54 and started following this at 52.
Great video! I’m about to retire early at 57. Last 6 months did 4 days a week, off Fridays using saved leave. I also never sought a promotion the past 10 years -it would have meant more work and managing people for only a 10% raise. Quality of life is key!
At 57 I had 11 weeks per year of vacation, but I retired anyway. No regrets!
Great advice ! In my early 50s, I stopped trying to impress upper management in order to get a promotion or advancement. I settled into my career and focused on becoming the best at what I do - it was very fulfilling. Retired at 60 at the top of my game.
At age 50, I recognized that there were no promotional opportunities at my employer that interested me or paid enough to take on the additional responsibility. Nor did I want to leave for another employer. Therefore, at age 50, I decreased my work schedule to four 8-hour days - every Friday off w/o pay! Now I'm getting ready to retire in two years.
How do you pay the bills??
Dear Azul you are so right, I am 63 and I love my job because I do what I am good at. In recent years we had changes in the organization and a lot of colleagues were telling me they saw me as the candidate to take over more responsibility….my answer was, listen I am 62 and I like what I do,
And I am ready to help the next generation for a few years, but taking more Responsibility will not make me happier😀
Vous avez parfaitment raison!
Same here.. the thought of having to manage 60 persons of ages from 20-45 and having to deal with that daily personnel grind made me respond a definite no
Lost my wife and sold our retirement home, large home on a 3 acre pond etc. The amount of stuff one has in a 5000 sq home is overwhelming. Now going back into consulting and turning around business with an eye on just enjoying the experience! Good video. Thank you.
I'm a 48-year-old doctor who feels exhausted from stress and long hours. Because I've always thought the economy would eventually collapse, I've never made any investments in a retirement portfolio. But since I'm getting close to retirement, I'm wondering how you would begin if you had $1 million to invest safely in equities over the course of four to five years.
To minimise risks and maximise growth, I think every investor should begin with exchange-traded funds (ETFs) for a strong foundation, then diversify across asset classes and continue to invest regularly and systematically.
Nowadays, hiring a financial advisor is the best way to navigate the stock market, especially for people who are getting close to retirement. I've been working with one for some time, and since Q4 2022, my portfolio has increased by 85%.
@@j.ottinger Amazing! I'll be honest: I'm afraid of retiring when I turn 60 on my next birthday. I have to make sure I have enough cash to get by. How do I get in touch with your advisor? The performance of my retirement account is poor.
She goes by “Annette Marie Holt I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
love it. Nothing new but we have to be reminded of this over and over again..'The things you own, end up owning you' - FightClub
This video really resonated with me. I hit 53 in 2025 with wife retiring as a teacher next year. I’ve got at least 10 more years. Stopped caring about climbing the corporate ladder once I hit 50. We are going to downsize into smaller house, get rid of the “stuff,” and we no longer have a need for big toys anymore. It is mentally freeing working towards our future.
100% Yes I have been trying to say this to many people. If you have not made it to where you want to be by 50. Ugh! Stop already. Be present and enjoy life.
Your point #1 - I just at 56 went through, had a major opportunity that was very flattering, but decided on me and family vs. money that would not materially move the needle at this point. Not regretting it at all. Wished your video here was out a month ago and I would not have fretted over saying ‘no’. Glad to still do a great job, but I’m done climbing. 😀
After 35 years of working since I was 15, I'm semi retired now. Stepped back from corporate life and am now doing an easy job working with many younger people. It's just great to go to a job that has no stress, no email, no contact after you leave, no meetings. Life is great!
This video resonates with many especially on “how many summers do I have with them?” In the last few decades time will just fly by…I appreciate the author reminding us of how short of the time we have left. The secret of happiness lies with contentment.
My last three years of working, I cut back to 24 hours a week. I told my coworkers I would maintain the old product and they could move on to the new, sexy products that would get them noticed and maybe promoted. Knowing the old product made maintaining it easy and very low stress. So I completely agree with your video.
At 54 I am planning to get my PMP so that I can still learn and grow personally and also help against age discrimination in these last 10 years
Im 50 and really love this video. I really have to thank you for saying all of this. I encourage people my age to go through your home , organize everything and get rid of as much that you do not use.
This is best advice I every heard anywhere, especially in America. Thank you.
I am also 47 and really needed to hear the first point. I'm always waiting to see what more I can get, instead of realizing that more work and marginal pay gains aren't bettering my life. Just need to focus on doing my job well (stop overspending on useless junk) and planning for my own retirement in the future.
I always planned to retire at 55 as far back as when I was a kid seeing the freedom 55 commercials on TV. I retired at 53 and work 2 days a week that covers all my living expenses and I still save $1000's a year. I live half a block from the beach with stores and restaurants all around. I never drive anymore at all, everything is in walking distance. I also got permanent residence in Mexico this year, just incase l want to move there. But I do prefer SEA and see myself moving there in 4 years when I turn 60. It's great to have options.
I planned to retire at 49yrs old and did, you get there if you make a plan.
Yes ! That s right! When i observe my inner motivation i can say i have changed now just entered in my 50..i have chased the career i m not satisfied with but now i made the choice not chasing anymore..to let go and concentrate on my health the relationships arts and travel. Energy is not unlimited . You discover that in the late 40...so invest in what is most important!🎉❤
Truth or better still... Wisdom has been spoken. I'm 45 and I'm like a year into this mindset and it's great. Not that I'm able to retire or will be any time soon, but enjoying the moment and simplifying the life, that's that. That's great idea.
I realized at 54 my job was taking too far a toll on my health. My employer kept trying to promote me not realizing I was counting down the days until I could get out. Finally retired at 58. So glad I was a saver and have plenty of money to live comfortably and help family as needed. Now at 64 I’m paying the price physically for pushing myself all those years. I have no regrets. Proud to have made enough for several generations.
Great video and message. It’s funny because at 48 I’ve been finding myself feeling that I need to do exactly all of these things moving forward. In fact my goal for the last 5 ish years have been to truly focus on what I need to do to prepare my wife and I for financial independence at 60. That involves a lot of the things you just mentioned in this video. I removed myself from facebook a few years ago due to that constant comparison of my life to my friends or family. It has been liberating to focus on myself and my life, and be happy and content with it 😊
Retired at 58, gret advice !
I had retired this last May after 34 years working for a large corporation 👎🏻
Never again your just a number no loyalty either employer or employee.
It does take time for the adjustment of not being employed but so far it’s good 😊
You are absolutely right. You left out the most important factor tho, which is preparing to meet the Lord by living a life that pleases him before we leave this earth. Great video! You are so oo right!
🙏 Finally, somebody said the most important thing!
Your soul doesn't care what you've achieved or the size of your house.
I try to live a life of purpose, of empathy, of contribution because it makes me happy to do it, not because I fear judgment.
That's what's being alluded to here: making it about the person, the world, the creation and not the Creator; about what makes YOU feel happy.
@grubthomas4826
“You are absolutely [...] You are so oo right!”
=====================
There is not a shred of credible evidence that ANY ‘Lord’ exists.
I’ll be 52 in April and I have no desire to go through the corporate meat grinder for few more $$$. Being completely debt free and empty nesting with my better half outweighs long hours. Totally happy with my decision.
Thanks for sharing your wisdom, Azul
I'm 40, and all of this is spot on.
I made it a goal to have my house paid for before 40. I paid it off at 38. I've never had a car payment. I basically never liked owing anything to anyone.... but not having any payments besides utilities and insurance and property taxes. Gave me a real sense of freedom. But it's definitely tough out here and will probably get worse
I am 57 and I am going to be interviewed for a position that is 20k more which helps my retirement pension which takes the highest earned income in the calculation.
That is different from 401k. Be wise, count your money, and don't overestimate value of life
100%%% agree with you .
Any promotion at this age means more time to be invested and more health to be consumed with those companies which I don’t have and not interested to give anymore.
Thanks Azul. Always very helpful to hear your thoughts
Amen to this point of view!! Wish everyone thought like this. It makes more advancement opportunities for the people behind us, and makes for a mentally better way of life for ourselves. I'm 56 and retiring in 4 months. The light came on for me a few moths ago. The peace & serenity that has overwhelmed me on this decision, has overcome me like a tidal wave. No more office BS, no more waking up at 5am (other than to pee, lol) or dealing with traffic, traffic in crappy weather, no more responsibilities other than when the tide is right to go fishing, or what time I want to play golf. 37 years of jockeying for a position, has taken it's toll. Finally that position is mine to enjoy for however long God allows me it to enjoy it Life is like a bakery, your given a number when you're born. Pray the number isn't called before before you can enjoy life.
Enjoyed listening to this and at 53 can relate to all these points after running my own small business for the last 15 years and of late have been thinking more about my time and less about striving in business. We travel to the US a few times a year and love the New England states but you guys work dam hard (maybe too hard and have little annual leave) but you guys LOVE your stuff. It’s still shocking that when you refer to lowering your horizons in terms of hours 60/70 to 40/50, 4 cars to 3 or 40 pairs of trainers to 20, that’s still the problem at least when compared to us in the UK. I have only ever worked 40-45 hours a week but want to reduce, only have 2 cars but could cope with 1 and 3 pairs of trainers would be enough. I definitely want to pendulum to swing move towards me and my family time then striving in business, good luck to reducing stuff and work hours…
I realised buying things I wanted wasn't really of much benefit, a few hours of joy. Then it'll go in a drawer, and I'd want something else. Most of the enjoyment came from searching. It slowly came to me i had lots of money invested in items getting little use. A new car is great for the first month or so. Now, I'm investing that money in retirement. Just last month, I lost one of my daughters. I'm devastated. There's more important things in life.
So sorry for your loss
So right on owning a big house.. maintenance there is always one thing to do or repair//fix and even having to organize contractors to do it
I find having a nice nap everyday and planning small things - trips, family things - bring me the most joy
Never stop trying to achieve that's the key to a quality and productive life. Just make sure you are the decision maker on what you want to achieve.
Amazing video. Thank you so much. This is very wise advise that people need to consider.
Career advancement can be a problem when your company thinks you need to always be progressing. I get looked at like I have a 3rd eye when I say, I want to just stay in my position and don't need to advance.
I’m 53 and have got high up in my profession. 50-60 hours a week though it gets harder. I now accept this situation, I’m high and could go higher but and am not pushing for the very top now as even more stress and tiredness at this age is no longer worth it. So I totally agree with this sentiment. We picked up 4 top awards at a ceremony in London this week, presented by a big U.K. TV star, and it was great. I’ll look back on a fantastic career and still have enthusiasm for it, but 5 years I think I’ll be done. I personally made a decision years ago not to get a bigger house- why? Have enough space. Car, I’ve had some nice ones, and get a new one every 3 years but don’t now go for expensive brands. So my house is quite modest for my income. I have no interest in comparing to others. I’ve saved for retirement and we’ve done amazing travel taking the kids on 3-4 luxury vacations a year for years. Those are memories that we will always have. I do like my gadgets though😂
I always strived to be in the above average half of the workforce, that doesn't change when I was 50 except by then I was one of the few key people that did my job plus other people's jobs as they were laid off. You know corporations love to lay off people once they reach 50, plan to be ready for retirement by age 50
Needed to hear this. Thank you.
I discovered this in my late 30s. Been living for myself ever since. 👍🏻
I've owned my business for 20 years and can enjoy my time off when I need it so I will continue with what I'm doing as long as I can move freely
My philosophy is "do what you can for as long as you can" without negatively affecting your life experience. Depends on individual goals, motivation, energy and life situation. For sure "one size DOES NOT fit all". I don't like people who try to tell you what to do with your life. I'm 66 and still going strong, I have siblings who tell me "why don't you retire, you're old, we die and we don't take anything with us". I think that is nihilism, I am existentialist, I give meaning to my life. My greatest motivation is to leave a better world for my children.
@44, I am here. I learned a lot watching my father and doing all the work around the house. At one time we had 2 convertible sports cars. Sold them both and invested the money. More stuff is more stress for me. I love my moderate size low maintenance house. Keep it simple. I do enjoy a couple mountain bikes and a motorcycle. Everything is paid for except a small mortgage that is about 8% of our monthly net income.
Currently 45, looking at career advancement, full-time hours for the next 10 years, then begin reducing my days/week after that, slowly easing into the retirement for the remaining 10 years.
Thank you for this video. I am in my late 30s and I am planning when to retire. I 100% agree that 50s should be the time to do less work and more of chasing other hobbies that once we wanted. May it be to travel more and live more the life you really wanted for yourself. 🙂
I'm a 48-year-old doctor feeling burnt out from long hours and stress. I've never invested in a retirement portfolio because I've always believed the economy would collapse eventually. However, I plan to retire soon and I'm curious: If you had $1 million to invest safely in stocks over 4-5 years to grow, how would you start?
I believe every investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
Opting for a financial advisor is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with one for a while, and my portfolio has grown by 85% since Q4 2022.
Impressive! I admit I'm scared about retirement as I turn 60 on my next birthday. I need to ensure I have enough money to survive on. How can I consult your advisor? My retirement account isn't performing well.
She goes by “Annette Christine Conte I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
You ll be alright, buddy! God is with you, and we are with you. Amen Amen
I have blasting away the past few years so that my pension and investments are where I need them to be come retirement. I had a mentor who was instrumental in balancing work and home life. Since I get 6 weeks of paid vacation every year, I combine that to “Leave Income averaging” offered at my work so that I can take week off every month. This has been the best balance for me in order to keep myself from burning out and having ME time.
I cannot enjoy work when I feel being underpaid. I would rather retire sooner then being forced to "enjoy work" as a financial necessity until I am physically unable to work.
Awesome advice. This vid is one of your best. Thanks heaps.
This is totally true, and great advise. Though there is a threat that is unavoidable. As you mentor younger employees and they omprove their skills and experience getting closer to your sklills, companies will let go the mentor which is more expensive, and use the lower cost emplyoees, maybe promoting one to take your place at a lower rate. Companies don't value loyalty nowadays and experience anymore, they use more experienced people to level up lower cost employees, it's all numbers, and each employee is just a number.
Agreed. I actually stepped down a rung at work at 49. I got tired of the stress and bother. Luckily I had saved/invested pretty hard in the previous years, and paid off my debt/mortgage long ago. My house was always a small cheap one as well. I was never a spender, more of an investor; this allowed me to be a no debt millionaire on a fairly low salary.
I used to be all about climbing the corporate ladder, but after hearing this, I’m starting to think maybe it’s time to let go of the hustle. 🏃♂ Anyone else struggling with this shift in mindset?
I went public sector less stress and pension
I'm done chasing the next level at 60. Just keep the paychecks coming until I'm done working for them. That's all I ask and I've had to make that clear to my new manager a couple of times. He's late 30's, really smart guy but isn't really "hearing me", I think. We're in a defense science laboratory and it's not uncommon for people to work themselves into the grave here....careers over 50 years! I am NOT going to be one of them. I'm not working the alternating Fridays we normally work at least through end of this year and possibly until I retire next year. We have a huge house and yes, it will get difficult to manage eventually but we love it here and I have a big garage/hangar and we're surrounded by other pilots and gear heads. It's heaven for me. We'll make it work.
Since reaching 52 and having got my finances sorted out years ago I'm looking at another 5 years tops, at work it almost feels like I'm winding down already.
I spend more time talking with people, encouraging the younger people at work to do certain things or consider certain things. I don't get as stressed on some stuff anymore, but other things I just roll my eyes as I've seen it all before. I guess in your 30s you have decades left to run, there is no end in sight so you just get head-down and get stuck into work hoping to muddle through somehow.
Now I'm 52 I know the end of this stage of the relay is almost over, coming down the home straight and I can see my future self waiting to take the baton. I'm excited but also a little scared about what I'll do with my time for the next however long I have left. I've never liked lots of choices in life, I've always preferred a limited number choices as it makes it easier to weigh pros and cons quickly and not dither on decisions, I guess this being a huge step it shouldn't be done lightly and that's the problem for me, more stressed than ever before about something that should be a happy time.
Money's not a problem, I got enough to go today if I wanted ( can't though as my country's laws mean I have to wait until 57 ) it's more about what the hell am I going to do when I can do almost anything I like, no one will tell me otherwise, that's scary and so easy to abuse the privilege of so much freedom in your life for the first time ever since you were a kid 40 odd years ago now.
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Another great video. Thank you.
So apt..im 58 and im already doing most of these things
For the vast majority of people, getting a promotion with a $10-30k raise, even in our late 40s or early 50s, is impactful. It can help reduce financial stress, meet savings goals, pay for college for kids who are often around that age at that time, and can make one's career/work more meaningful to someone.
one of my colleagues was promoted last year at age 53. more pay and more bonus, but a lot more stress slong with it. not worth it to me, Azul.
I want to do my best and just help the next generation
I'm 58 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for…
If you need advice, consider speaking with a financial advisor. Don't get me wrong, you can do it on your own, but financial advisors have a lot more knowledge and expertise in this area.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst
Could you possibly recommend a CFA you've consulted with?
My CFA ’Melissa Terri Swayne’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thank you for saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
Thank you this was helpful!
That’s where I am at right now. I’ll be giving up my days off and vacation for a promotion. No thanks.
Spot on!
Planning on retiring at 55. I could go to 60 and make more, but those years mean more than extra money I don't really need.
I’m 52, about 18 months ago it hit me, I have nothing to prove to anyone anymore. Once you get to that spot, things get much easier
Beautifully said. It so freeing (and just a better/happier way to live). 😎 Azul
I am 52
Just enjoying my career
Mediation
Focus on health
1-stop chasing promotions
2-bigger isn't always better
3-don't compare yourself to others
4-create moments
Great advice. Too often in the US we link our self-esteem to status symbols. I suspect few people can truly afford their lifestyle.
You at 63 years old, I know myself and what I am good at and what I want and do not want 😉
I changed jobs and moved states with 50 and made my best career advancement there with 52 years of age. It moved the needle a lot, and I really enjoy my career now. It is IMO totally wrong to limit career advancement to any age. I know people who did a big career starting off in the late 50s! What you shouldn't hunt with 50 and above is building a traditional family with kids if not having kids already. Great to be in a relationship, engaged, or married - or just single if you have been most of your life anyway.
I restore cars. A client I regard as pretty wealthy goes racing. He was high up in the banking world. He raced against a chap at the next level of hierarchy in the bank.
He often said how nice it would be to have the means to live at that next level. The thing is, that next chap was racing against a billionaire, so even he felt at a disadvantage.
This isn't about rich racers though: it simply taught little old me that a) there is no top, there will always, always be people with more wealth than you. b) There will always, always be people worse off than you.
Just do what you can, when you can, try to preserve your health and your integrity. Get joy from being kind and enjoy the little things and give yourself time to do so.
Great video! 😊
Right on, Super Azul!
My husband, 60, is a high achiever, and “retirement” has been full of anxiety for him and I’m beginning to see how this is affecting his mental state. It isn’t about the money. He NEEDS the constant validation, competition, awards and rewards, that came with work. Nothing is ever enough! It’s becoming increasingly exhausting!
Does career move the needle? It can if it involves stock options. Look at AAPL, NVDA, TSLA, GOOG, META, AMZN. Yes, it does mean 60, 70, 80 hours a week. If you love what you do, though, it's not work.
They're not employing anyone over 50.
Career advancement no, stock market and crypto market yes. No bosses, no weird people, etc.
I work with people who are in their 60s and they're still trying to get promotions ! Instead of focusing on traveling or enjoying life, I feel sad for them ! And no they do not need the money! They're doing fine ! Don't understand their mindset?
great advice- and I quit buying stuff as well. Only have single old car that is paid off and my house.
Great reminders!
I struggle with this… in my early 50’s and not sure if I would want a promotion. Right now, I value work life balance.
Great video
Learn to be more efficient use your experience
An take the productivity for yourself
I report to someone who is 20 years younger than me. He thinks his employees (age56-64) should be learning new things and software by osmosis or "asking around". I can't wait for my exit interview! LOL
I am mid 30 and I would argue that my time is way more valuable than yours. I can´t make or buy more of it and in my 30´s I am way more active and healthy. Why should I waste my time now ? Time is the most valuable resource there is to any human.
My goal is to retire by the time I am 50. I don´t see any point in continuing working at all besides generating enough money to sustain one self and do things I want to do and couldn´t afford otherwise. There is no way I will be chasing more work or a promotion when I am 50. The goal should be to build enough passive income until you are 50. You could be layed off any day and you will end up without a job anyways.
Good to have a small house
I dream of that
Good to have less stuff
I have no goals anymore though
I still enjoy adventures though
But I view overseas travel as too expensive and therefore stressful
I used to dream of meeting someone nice but it never happened
I never really worked out why it never happened
I am a60 and saving a lot now
Unsure when I will retire I think about 65 but I may need to go a little longer
Good advice
I'm 50 but my wife is 32... I'm supporting her ambition... 😪
This is GOLD