If you stay in just one place and do the same things each day, that time seems to pass by very quickly because our brains get in autopilot mode. When you encounter different situations such as travel, your brain has to work and even though it may be the same amount of time as staying home, the different situations make time seem longer. So travel stretches your life experiences.
I was reading this article that said Americans in their 40s are the least prepared for retirement. It makes sense when you think about it. Most people are busy with mortgages, kids, or paying off debt, so retirement planning takes a back seat.
That’s true, but the 40s are also a crucial time to start catching up if you’re behind. You still have about 20 years before retirement, so compounding can work in your favor if you’re consistent.
Exactly! I learned the hard way. I didn’t start saving seriously until I was 42, and I realized how much I was leaving on the table. Now I max out my 401(k) and put extra into an IRA. Better late than never, right?
That’s where working with a F.A like Graciela Lynne Schriewer truly makes a difference. after seeing her at a conference in New York I decided to collaborate with her, and it has been a transformative experience. She helped me streamline my finances, cut down on unnecessary expenses, and create a practical, tailored retirement plan.
I am in my early 60s and retired at 53. Lots of people gave me pushback because they had difficulty grasping the concept of not working if you don’t have to. I looked at my life as stages. I earned everything I have now through a lot of hard work, but I owe it to myself to “stop and smell the roses” in my final stage of life. In my case I left the country after I retired and live in Latin America. It allowed me to get away from all the negative things happening in America while appreciating my new environment. I have yet to meet anyone who regrets retirement.
Nice way to retire. For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement fund has grown way more than it would have with just the 401(k). Haha.
I’ve watched so many of your videos but, in my opinion, this is among the very top ones. A must watch, especially for those contemplating retiring soon. We have been retired for six years and have been traveling for about 24 years. Getting rid of stuff is a must! It clarifies your way of thinking about the possibilities!
Hello. I’m 54 and getting ready for early retirement to enjoy my go go years with my daughters while they’re still interested in traveling with Mama. I’ve learned so much from you two and enjoying my life so much.
Congrats on early retirement and glad you are enjoying our channel. Join us on our Facebook Community group as well to connect with other avid older travelers. Happy journeys, John and Bev
Thanks again for your great videos. We retired at 64 and 58, downsized our home, and are traveling internationally about half time now. It’s the best thing we have ever done!! If anyone is on the fence about making some sacrifices in order to travel, I urge you to go for it! Never stop exploring!!
I was a minimalist well before I retired at 46 but it makes a world of difference. I made more progress after retirement as much of my items were work related. Having a real passion or passion project is really important as is staying connected to friends.
Great job on the the minimalism and completely agree about the passion project. Thanks for sharing and congrats on the early retirement. Happy journeys, John and Bev
Such valuable advice, regardless of how you decide to live your retirement. They are all important, but being debt-free and taking care of your health are particularly important. The book Outlive is really a great read. Selling/donating everything to become a minimalist turned out to be an unexpected joy for me. So liberating!
Such great advice, as always! My wife and I often talk about previous trips and adventures we have been on. We noticed many years ago we talk about these memories and rarely of things we bought. Love the community group!
Thanks, and that's such a great observation about talking about experiences more than material things! It really does make a difference. Glad you are enjoying the community group. Happy journeys, John and Bev
Two things: 1) I loved my home. Lived here for a quarter of a century. Letting it go in retirement...downsizing...was the hardest and best thing I did, 2) Healthy til I hit 78 and my messy, broken back crushed my physical independence...one of the most cherished aspects of life. Appreciated all the things I did but was not ready to give it up. Best advise: Do it. Go now. You never know when it will stop. 🖐 from Wisconsin 🍻
I have volunteered with Samaritan's Purse and Operation Blessing doing disaster relief and it has been an amazing experience. I encourage you all to give it a try. I have met some wonderful people and found it very rewarding!
Thanks for this video! We have been following along your travels and you are both an inspiration and a modal for us. We are in the process of downsizing to a smaller place, giving away what our kids don’t want and beginning the next chapter. We too use financial planners, believe in alignment and making new contacts post retirement. We are exercising regularly and look forward to our new adventures. Thank you both for the inspiration. It has truly changed what retirement will look like for us!
Thanks for the kind words and for following along with us. Great job on the downsizing and living your best life in retirement. Stay in touch and happy journeys! John and Bev
Thanks again for some thoughtful words. I retired about six weeks ago, and your videos are very helpful, and encouraging us to make some changes, notably downsizing our home and possessions. Not easy to deal with, but as you note, it’s inevitable and we might as well do it sooner.
Great video! Being debt free is the is so important to having a stress free retirement. Being positive, friends..all important. About the spouse whose spouse doesn't want to travel. Compromise. It's okay that some people want to sell everything and go. It's also okay that some people are homebodies. Me and my husband find joy in adventure, but we also find it in being at home with our family and in our community. The key to happiness is that we found what works for both of us. If someone has a spouse who doesn't love to travel then compromise. Plan some trips together and enjoy. The spouse who wants to explore can join a group that travels or go solo. There's no rule saying our spouse has to do and live everything we do.
You two have been my greatest inspiration for full-time retirement traveling. My husband and I have been doing this for 1 year and 9 months. Each leg of travel offers new j sight and I get better at the logistics. Thank you for all you do. 🤗
One of your best videos! To me, it really drives home the importance of planning ahead. I know so many people who go into retirement without a plan and then live the next 20 years doing the same things they did before, except they are not working. It all goes by too fast and seems like such a waste of a wonderful opportunity for a fresh start.
Thanks so much. Glad you enjoyed it! You are so right about both the planning and that life goes by so fast. We look back at our five years of retirement in amazement at everything we have seen, experienced, learned, etc and want to share that hope with others. Thanks for following along with us and wishing you an amazing retirement. Happy journeys, John and Bev
My neighbor planned ahead for retirement his entire life. He cut down all his trees and has grass, very few plantings-very little yard work. He and his wife don't spend much money. He has to have at least a few million saved. He has been retired for at least 3 years now. Doing the same things he has always done except not going to work. I think he has a very boring life. They have never been on an airplane or traveled out of state. They have no debt though.
House up for sale, everything sold, just pending our trip for slow travel in Asia in the Spring. No kids, no debts, no anchors. We have lived overseas before and now will do it for the duration.
That's great. We look forward to hearing about your journey in Asia. Feel free to join our Facebook community group and share some photos and stories. Happy journeys, John and Bev
Great advice, thank you! I've really enjoyed these videos that you and your wife have made, and you certainly have the credibility to speak to these issues. All the best.
Re: Downsizing, I just finished reading the book "Scarcity Brain: Fix Your Craving Mindset and Rewire Your Habits to Thrive with Enough", it was great in the part about re-prioritizing having "gear" to facilitate your journey versus having possessions to weigh you down.
Thanks for the positive feedback! We are trying to make the transition to retirement as positive as possible for everyone. Happy journeys, John and Bev
I’ve had a blood clot in my leg and have circulation issues. As you age, we think it always a good idea to use compression socks when you will be sitting for long periods of time. John and Bev
Enjoy your videos and have many of the same views and blessings though we have no desire to travel full time For us we have the best of both worlds - we enjoy traveling and having our sweet home / life in the mountains with our canine companion(s) Yes - we are debt free and have a financial advisor We walk every day in the mountains We have opportunities to be as involved in our community as we choose We are happy with our choices of where and how we live and our long time marriage ❤
Thanks for the wonderful list! You are living your best life, and it sounds like you are blessed and grateful! Thanks for the addition to the chat! Happy Journeys, even if it's just a walk in the woods! John & Bev
Wow, John! This is a wonderful video!!! Thank you! You guys are such an inspiration to me! I have international trips #2 and 3 booked!!! My husband is finally joining me on trip 3!!!! Let's go, Mountaineers!!!!!
We’re so glad we could inspire you. Hope you guys have some amazing travels. Keep us posted. Let us know if we can help in any way. Go Mounties! John and Bev
Some great tips. I’m glad I watched the video. It’s still a bit early for me, but I am keen to be prepared for when I retire. Subscribing now safe travels!
I love that you included the bit about positivity. My mom (now 80) has been relentlessly negative for many years and it is such a huge bummer, and has really decreased her quality of life into her golden years. Making an active effort to be positive and encouraging to others has huge benefits - at any age, really!
It’s amazing how negativity can really take a toll! Life is just so much better when you are positive and surround yourself with positivity. Thanks for following along with us. John and Bev
I enjoy your videos! You are so encouraging! My biggest travel challenge is that my husband is very tall and broad so doesn’t fit well in any regular seats. That makes travel very expensive.
Thanks, we are glad you enjoy our videos. We know it can be challenging when you don't fit the 'average' mold. We did a video on strategies to find affordable business class tickets that you might find helpful. ruclips.net/video/LSh8akYommk/видео.htmlsi=ScPkQ44-feKPGKin Happy journeys, John and Bev
My husband as well. We can’t quite afford business class yet, so we usually try to break the trip into shorter segments (5 hours or less) and upgrade to exit rows or extra legroom section - with him in the aisle. It’s not ideal, but better than not traveling. 😁
@@sheilaa1333- have you thought about getting a part time job (many work from home) as a ticket agent with the airlines so you have some travel benefits with the job?
If we hadn't hired a financial advisor in our late 30's we would not have been able to retire (very comfortably) at 53 and 54. Could we have learned to do it ourselves? Maybe, but I just wasn't interested in doing that. As an engineer I believe that expertise, training and education matter. Downsizing while you are still fit is also very important. Leaving this until you need to move into assisted living is going to create a lot of work for your kids that they will resent. Trust me on this.
All very good points you make there John. We found the most important thing was your first point , going out of the workforce to retirement without debt. Downsizing was also most helpful plus the surplus funds from the sale of our big home was able to be invested into our superannuation to "bulk up" the investment. Both of us being on the same page with the will to travel is, as you say, very important. We're still trying to get rid of "stuff" but that's a progressive process, and it's helping me know more about what's important in our lives and what's just superfluous "fluff". Keeping fit is also very important as a precursor to extended good health in our later and years. Hope to go far beyond the stated "no-go years", (I'm 75 in a few months time).
Great advice Agree with all We’re in Canada 70 73 Travellers too Not your extreme voyages We worked for Expedia and organized trips worldwide Health biggest issue All plans could stop in an instant Buying medical insurance with pre existing conditions is very costly so go now !!! Come visit Canada Think how far your travel $ will go!!
My husband and I retired at 50. We are based in Australia. We have paid everything off in our mid 40. Love your YT channel! We have been travelling a lot, and plan to continue for a very long time. We both love USA too, great travel destination…. Greetings from hot Australia!
It's always good to hear your thoughts and encouragement! My short trip to Quebec City is coming up the day after Christmas, and I am so excited!! Got several things off of your travel shop on your website, and I am beginning to put it all together for my pre-retirement practice run. Thank you for being a guiding light through this transition. I know you and Bev are where you need to be right now. My thoughts and prayers are with you. ❤
Quebec City is amazing! Enjoy your trip! We’re sure you will find it even better with your new travel gear! Thanks for the kind words and following along with us. Happy journeys, John and Bev
My wife and I have been traveling since we started dating at 23yrs old. 54 now and I plan to retire by 60. I don not plan on doing lots of traveling in retirement. I do plan on spending winters in warm weather near a beach somewhere. Waiting to travel is a huge mistake, if you can afford it do it or prioritize your savings to travel.
Well done John! I especially like the last 2 points! Be freaking positive! Don't watch TV! TV drags you down and makes you negative.... Surround yourselves with positive interesting people! Makes life so much more fun! PLUS get in shape! Eat better and exercise and surround yourself with positive people and get out of your comfort zone and see the world and experience other cultures and never watch TV ... and you will enjoy yourself! THANK YOU John and Bev!!!
Thanks for your enthusiasm! It's great to hear what resonated with you! Thanks for following along with us. Happy journeys, John and Bev retirementtravelers.com/
Great informational points you made. I agree it is very important to be debt free before you embark on an adventure this big and or just everyday life. :). Thank you for sharing.
We always said if we were needed back home, we'd stop traveling in a heartbeat. This, unfortunately, has been one of those times. We are where we need to be at the moment, but we have some big travels planned in 2025. In fact, more travel vlogs are in our future to some out of the way places...Stayed tuned and thanks for hanging in there with us! John & Bev
I agree with the no debt. My mom shortly after she retired she decided to not only move to a different state but, also into a bigger house and bought a new car a few years later. To say I was upset would be an understatement. Now that she is in assisted living i have the fun filled task of getting rid of most of her stuff and in order to get rid of most of it I have decided to have an estate sale. They will get rid of most of the stuff even the things you dont think people will be interested in like cleaning supplies etc because they have the connections and have even given me recommendations on places that will get rid of the stuff that wont sell.
Hi John. Great video. I am 45 and looking for retirement by or before 50. These insights are hugely valuable. Are you able to suggest which financial advisor to pick. Fee only or a true wealth manager ? Thanks in advance.
Thanks. We have used a wonderful couple from Florida for the past 6 years and are very pleased. Here is a link to their website. We use them for all aspects of wealth management. www.ursadvisory.com John and Bev
A good friend of mine retired at 62. Turned 65 in August. Died Thursday from a heart attack. He loved retirement, but his health began slipping a year ago.
I'm not sure if you mentioned having a will and a trust according to the laws of your state. We just closed my brother's estate and it took close to two years of probate, plus a lot of anxiety and legal fees.
You are absolutely right, it is very important to have a will and trust. We encourage our viewers to consult with an estate planning attorney, which is something we did just before retirement. Happy journeys, John and Bev
Question for you? I've never traveled internationally and haven't traveled much in the US. We want to travel more once we retire. Which would you recommend we do first? I don't want to miss out on international travel but also wonder if driving will be too difficult if we put off the US travel.
Our recommendation would be to do a little of both if possible. Perhaps go visit a National Park in the US and make a trip to Europe for your first international trip. Somewhere like Spain, Netherlands, Italy, Portugal, etc would be nice places. Best of luck to you and stay in touch. Feel free to join our Facebook travel community group for more discussions. John and Bev
When traveling internationally, it is not like it was 25-30 years ago. The large cities in Europe, especially the “Big 3” (London, Paris and Rome) are full of con men, homeless and immigrants running con games. Consider going to smaller out of the way cities that don’t attract all the tourists…which in turn attract the con men and pick pockets. I’m not discouraging you from traveling. But many people book their first international trip to Paris and Rome, then come home very disillusioned. Don’t be afraid to learn how to use European trains. We spent 28 days in Europe this past summer, took a carry on bag only (so walking and boarding trains is easier). There are great train apps to buy tickets on your phone. Get a Vodafone SIM card for your (unlocked) phone. Vodafone SIM card is good for practically all of Europe. We bought ours in Italy for 30 Euro, worked all over Europe, we did not need to add money to the sim. You will need a local (European) phone number for many apps or booking hotels on your phone. You don’t want to be racking up international phone charges, just to book a hotel, etc. A carry on piece of luggage and a backpack are recommend. They both fit in the rack above your train seat. A large suitcase will quickly identify you as an inexperienced tourist, you will have to put your bag at the end of the train car, then worry about someone stealing it at every stop…and won’t have access to it’s contents while riding the train. Check into business class on the trains. Sometimes it is just a few Euros more, gets you an assigned seat, WiFi and a free snack. The discount airlines in Europe are also a good option for large distances, to avoid LONG train rides. Enjoy!!
This is an awesome, well-rounded video, John! Really important information that only those with experience can impart. Thank you for the shoutout, too! Can't wait to see you guys soon.
When you say that over 60% of retired folks are in credit card debt, I suspect you are mistaken. What is your definition of credit card debt? If I owe money from putting my groceries on my credit card and have a balance on my account until the bill is due, does that mean I am in debt? I don't pay any interest and pay the bill in full before the due date.
You sound like someone who is very financially smart and responsible…and as a result, do not realize how foolish and irresponsible many people are!! Congrats on being in the correct crowd!
We are heading out the day after Christmas. Our next video is our update video where we tell our plans for 2025. It's a biggie for us, and we can't wait! Thanks for hanging in there with us. We had some family matters that needed our attention. John & Bev
Very nice job covering the basics. I am sharing this not to brag but to show what’s possible. I’m retired and I have 2 separate portfolios. One is a long term growth dividend portfolio of stocks where i sell covered calls strategically and my 2nd portfolio is the Crypto trading strategy where its all about income. This year I am on pace to make $120K in realized options profits and around $869K in crypto profit... What is great is that my long-term portfolio is still up significantly as well. As such, it’s possible to generate excellent income but still have a total return perspective. ...Amidst this, the insights of a knowledgeable guide like that of Expert Shellane Maxwell can be crucial. Her expertise in navigating the nuances of trading has been the key for Me understanding and making the most of these emerging financial trends
New survey has revealed rising adoption of cryptocurrency among the world billionaires, as they start experimenting in the digital currency, expanding their investments portfolio beyond traditional profitable assets
How would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?
You are not quite correct about debt. If are making 10% p.a from a pension fund which cashflows a mortgage of 6% you are best to hold the property and continue to benefit from capital growth than downsize and have less asset value. Theres good debt and bad debt and it all depends on the individuals personal circumstances.
Don't simply retire from something; have something to retire to. Start saving, keep saving, and stick to investments. Everyone should have BTC in their portfolio
It’s really heartbreaking to see how inflation and recession impact low-income families. The cost of living keeps rising, and many struggle just to meet basic needs, let alone save or invest. It’s a reminder of the importance of finding ways to create financial opportunities. You've helped me a lot sir Brian! Imagine i invested $50,000 and received $190,500 after 14 days
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.
1. Get out of debt - No brainer. 2. Align with spouse - Easy if you do whatever your wife wants. 3. Set goals - Can be good, but only if you really want to. You might not want the burden of new responsibilities. 4. Get rid of all the stuff - When you travel, you can live out of a suitcase. How much stuff do you really need? If you do happen to get rid of something that you actually need later, you can order pretty much anything on Amazon. 5. Get a financial advisor - Probably a good idea for most people. However, you could probably do a breakdown like 60% S&P, 30% bonds, 10% gold/silver/bitcoin, and you would probably do just as well as any advisor. 6. Social network - It depends if you want this. Some people do not really get much out of social interaction. Spending your time with family can be much more rewarding. 7. Travel while you can - It can be fun, but it can also be a pain. 8. Bad purchases - Definitely avoid. 9. Health - Being overweight is definitely something you can control. However, you cannot change your genes.
Fred, well said😉 #5 is more than "what to buy and what percentage", that's the accumulation phase. Retirement involves the spend down phase, etc as well as the phase when your noggin' ain't firing on all cylinders. And if not single, then the extra layer of the survivor's needs,
@@emc6511 , you are in spend down phase, but you still need return and growth because the government is constantly destroying the value of the money. Some how the 2% inflation goal has become 3% to 4%. And we all know the real number is about 2% higher than the official number. With our debt based money system, you never know when they will have to crank up the printing presses to bail everything out. I plan to always invest fairly aggressively based on investment strategies I have developed. I am going to teach my son how to run these systems, and hopefully he can be my financial advisor when I become unable to handle it.
I am a 58 year old Network Admin, Retired Military, working on a small 2nd retirement, never owned a house, NO Debt, Small Savings, I am looking to purchase a Vacation Home in Vicenza Italy. I have done the research and know that I have to go through all the Hoops to get an Italian Mortgage and get it paid off with in 3 years or less. I don't want to purchase a home in the US. I would really like to talk with you all for 15 to 20 Minutes. My plan is to acquire a home in Italy and push everything I have to Savings. I built quite an Network Lab for my IT Studies and now. It is time to get rid of Everything.
Think about just renting. I know a couple that rented a house in Italy for $5K per years (yes, per year). Also an Airbnb place for a couple months per year may suffice, if you want to travel to other places. Jumping into a mortgage can really cut down on your financial flexibility.
We are going to continue living our life with gusto! We have a plan for those years, too! Hopefully, we'll still be traveling some, but we have set aside money for housing and long-term care. Not having a home saves a lot of money now, and we are not spending what we will need later. John & Bev
I’ll push back on having a portfolio managed by a “professional “. Get advise yes, but it’s much more lucrative to do your own investing!!!!!! You don’t have rules to obey and those rules prevent you from benefiting fully on a decision! That’s a bigger factor than you can imagine!!!!! Think long and hard on it…..
More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
Rebecca Lynne Buie has always been my top recommendation. Renowned for her expertise in financial markets and backed by an impressive track record, she comes highly recommended.
If you stay in just one place and do the same things each day, that time seems to pass by very quickly because our brains get in autopilot mode. When you encounter different situations such as travel, your brain has to work and even though it may be the same amount of time as staying home, the different situations make time seem longer. So travel stretches your life experiences.
Thanks for the great insight. We agree that travel is a great way to keep things interesting!
Happy journeys,
John and Bev
I was reading this article that said Americans in their 40s are the least prepared for retirement. It makes sense when you think about it. Most people are busy with mortgages, kids, or paying off debt, so retirement planning takes a back seat.
That’s true, but the 40s are also a crucial time to start catching up if you’re behind. You still have about 20 years before retirement, so compounding can work in your favor if you’re consistent.
Exactly! I learned the hard way. I didn’t start saving seriously until I was 42, and I realized how much I was leaving on the table. Now I max out my 401(k) and put extra into an IRA. Better late than never, right?
That’s where working with a F.A like Graciela Lynne Schriewer truly makes a difference. after seeing her at a conference in New York I decided to collaborate with her, and it has been a transformative experience. She helped me streamline my finances, cut down on unnecessary expenses, and create a practical, tailored retirement plan.
I am in my early 60s and retired at 53. Lots of people gave me pushback because they had difficulty grasping the concept of not working if you don’t have to. I looked at my life as stages. I earned everything I have now through a lot of hard work, but I owe it to myself to “stop and smell the roses” in my final stage of life. In my case I left the country after I retired and live in Latin America. It allowed me to get away from all the negative things happening in America while appreciating my new environment. I have yet to meet anyone who regrets retirement.
Nice way to retire. For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement fund has grown way more than it would have with just the 401(k). Haha.
Retirement is a wonderful thing. Thanks for sharing.
John and Bev
I’ve watched so many of your videos but, in my opinion, this is among the very top ones. A must watch, especially for those contemplating retiring soon. We have been retired for six years and have been traveling for about 24 years. Getting rid of stuff is a must! It clarifies your way of thinking about the possibilities!
Thanks, we are so glad you found this one so helpful! We do hope that our content helps people.
Happy journeys!
John and Bev
Hello. I’m 54 and getting ready for early retirement to enjoy my go go years with my daughters while they’re still interested in traveling with Mama. I’ve learned so much from you two and enjoying my life so much.
Congrats on early retirement and glad you are enjoying our channel. Join us on our Facebook Community group as well to connect with other avid older travelers.
Happy journeys,
John and Bev
Thanks again for your great videos. We retired at 64 and 58, downsized our home, and are traveling internationally about half time now. It’s the best thing we have ever done!! If anyone is on the fence about making some sacrifices in order to travel, I urge you to go for it! Never stop exploring!!
We’re so glad you are enjoying retirement, and we hope to inspire others to do the same! Keep living your best life.
Happy journeys,
John and Bev
Excellent summary, succinctly and kindly delivered!
We appreciate that! Thanks for watching.
Happy journeys,
John and Bev
I was a minimalist well before I retired at 46 but it makes a world of difference. I made more progress after retirement as much of my items were work related. Having a real passion or passion project is really important as is staying connected to friends.
Great job on the the minimalism and completely agree about the passion project. Thanks for sharing and congrats on the early retirement.
Happy journeys,
John and Bev
Such valuable advice, regardless of how you decide to live your retirement. They are all important, but being debt-free and taking care of your health are particularly important. The book Outlive is really a great read. Selling/donating everything to become a minimalist turned out to be an unexpected joy for me. So liberating!
Thanks, glad you enjoyed the tips. Glad you are enjoying your minimalistic lifestyle.
Happy journeys,
John and Bev
Such great advice, as always! My wife and I often talk about previous trips and adventures we have been on. We noticed many years ago we talk about these memories and rarely of things we bought. Love the community group!
Thanks, and that's such a great observation about talking about experiences more than material things! It really does make a difference. Glad you are enjoying the community group.
Happy journeys,
John and Bev
We are retiring at 62 and 60 in 5 days and debt free😊
That's awesome. Congrats and enjoy your retirement. Hope you can follow along with us.
John and Bev
Two things: 1) I loved my home. Lived here for a quarter of a century. Letting it go in retirement...downsizing...was the hardest and best thing I did, 2) Healthy til I hit 78 and my messy, broken back crushed my physical independence...one of the most cherished aspects of life. Appreciated all the things I did but was not ready to give it up. Best advise: Do it. Go now. You never know when it will stop. 🖐 from Wisconsin 🍻
Sorry about your back troubles, but thanks for the wisdom and experience.
John and Bev
@RetirementTravelers aw..thanks...it's been a good life.
Awesome video. Look forward to watching more!
Thanks for watching! We are glad you enjoyed the video.
John and Bev
I have volunteered with Samaritan's Purse and Operation Blessing doing disaster relief and it has been an amazing experience. I encourage you all to give it a try. I have met some wonderful people and found it very rewarding!
Thanks for sharing your experience - helping others is a great way to give back. Well done.
John and Bev
Thanks for the info. I just submitted my profile to them!
Hi John…you are spot on and many thanks for the encouragement and most importantly the clarity from someone who has walked the talk…
Thanks! Glad you found it helpful.
Happy journeys,
John and Bev
retirementtravelers.com/
This video should be mandatory for everyone before or during retirement! 😀👍
Thanks for this video! We have been following along your travels and you are both an inspiration and a modal for us. We are in the process of downsizing to a smaller place, giving away what our kids don’t want and beginning the next chapter. We too use financial planners, believe in alignment and making new contacts post retirement. We are exercising regularly and look forward to our new adventures. Thank you both for the inspiration. It has truly changed what retirement will look like for us!
Thanks for the kind words and for following along with us. Great job on the downsizing and living your best life in retirement. Stay in touch and happy journeys!
John and Bev
Thanks again for some thoughtful words. I retired about six weeks ago, and your videos are very helpful, and encouraging us to make some changes, notably downsizing our home and possessions. Not easy to deal with, but as you note, it’s inevitable and we might as well do it sooner.
Thanks and glad you found it helpful. Downsizing our possessions has been life changing for us.
Happy journeys,
John and Bev
Great video! Being debt free is the is so important to having a stress free retirement. Being positive, friends..all important.
About the spouse whose spouse doesn't want to travel. Compromise. It's okay that some people want to sell everything and go. It's also okay that some people are homebodies. Me and my husband find joy in adventure, but we also find it in being at home with our family and in our community. The key to happiness is that we found what works for both of us. If someone has a spouse who doesn't love to travel then compromise. Plan some trips together and enjoy. The spouse who wants to explore can join a group that travels or go solo. There's no rule saying our spouse has to do and live everything we do.
Thanks for sharing your perspective. We agree that compromise is key.
Happy journeys,
John and Bev
You two have been my greatest inspiration for full-time retirement traveling. My husband and I have been doing this for 1 year and 9 months. Each leg of travel offers new j sight and I get better at the logistics. Thank you for all you do. 🤗
We’re so happy to hear you’re enjoying your travels! Glad we could be inspiring to you. Thanks for watching.
John and Bev
One of your best videos! To me, it really drives home the importance of planning ahead. I know so many people who go into retirement without a plan and then live the next 20 years doing the same things they did before, except they are not working. It all goes by too fast and seems like such a waste of a wonderful opportunity for a fresh start.
Thanks so much. Glad you enjoyed it! You are so right about both the planning and that life goes by so fast. We look back at our five years of retirement in amazement at everything we have seen, experienced, learned, etc and want to share that hope with others. Thanks for following along with us and wishing you an amazing retirement.
Happy journeys,
John and Bev
My neighbor planned ahead for retirement his entire life. He cut down all his trees and has grass, very few plantings-very little yard work. He and his wife don't spend much money. He has to have at least a few million saved. He has been retired for at least 3 years now. Doing the same things he has always done except not going to work. I think he has a very boring life. They have never been on an airplane or traveled out of state. They have no debt though.
House up for sale, everything sold, just pending our trip for slow travel in Asia in the Spring. No kids, no debts, no anchors. We have lived overseas before and now will do it for the duration.
That's great. We look forward to hearing about your journey in Asia. Feel free to join our Facebook community group and share some photos and stories.
Happy journeys,
John and Bev
Great advice, thank you! I've really enjoyed these videos that you and your wife have made, and you certainly have the credibility to speak to these issues. All the best.
We’re so glad you’re finding the videos helpful. Happy journeys!
John and Bev
🥇 Outstanding points, brilliantly said, hopefully heeded by all for far better retirements + lives no matter where…thank y’all! 🙌
Thanks! We are glad you found it helpful!
Happy journeys,
John and Bev
retirementtravelers.com/
Re: Downsizing, I just finished reading the book "Scarcity Brain: Fix Your Craving Mindset and Rewire Your Habits to Thrive with Enough", it was great in the part about re-prioritizing having "gear" to facilitate your journey versus having possessions to weigh you down.
Thanks for sharing. Sounds like a great read.
Happy journeys,
John and Bev
Very well done! Great points without the negativity that sometimes can surround topics such as these.
Thanks for the positive feedback! We are trying to make the transition to retirement as positive as possible for everyone.
Happy journeys,
John and Bev
Thank you John for such great advice! Love alll your videos. You and Bev are an inspiration!
Thanks for the kind words and for watching!
Happy journeys,
John and Bev
EXCELLENT TIPS!! Thanks, John & Bev for being trailblazers and such an inspiration. 👏🩷
Thanks, we are so glad you found them helpful! Glad you are enjoying our channel.
Happy journeys,
John and Bev
Health man, health is by farrr the most important
I’ve had a blood clot in my leg and have circulation issues. As you age, we think it always a good idea to use compression socks when you will be sitting for long periods of time.
John and Bev
Enjoy your videos and have many of the same views and blessings though we have no desire to travel full time
For us we have the best of both worlds - we enjoy traveling and having our sweet home / life in the mountains with our canine companion(s)
Yes - we are debt free and have a financial advisor
We walk every day in the mountains
We have opportunities to be as involved in our community as we choose
We are happy with our choices of where and how we live and our long time marriage ❤
Thanks for the wonderful list! You are living your best life, and it sounds like you are blessed and grateful! Thanks for the addition to the chat! Happy Journeys, even if it's just a walk in the woods! John & Bev
Wow, John! This is a wonderful video!!! Thank you!
You guys are such an inspiration to me! I have international trips #2 and 3 booked!!! My husband is finally joining me on trip 3!!!!
Let's go, Mountaineers!!!!!
We’re so glad we could inspire you. Hope you guys have some amazing travels. Keep us posted. Let us know if we can help in any way.
Go Mounties!
John and Bev
So much truth here. Retirement is our last chance to get everything right. Enjoy the journey.
Thanks so much. Retirement is a very special time.
Happy journeys,
John and Bev
Some great tips. I’m glad I watched the video. It’s still a bit early for me, but I am keen to be prepared for when I retire. Subscribing now safe travels!
Thanks for subscribing and we hope you find our content valuable! Good luck with your retirement planning.
Happy journeys,
John and Bev
What a great video!!!! Your full of great advise!!!!!!!!!!
We are glad you enjoyed it! Thanks for watching.
John and Bev
What a helpful video! I bookmarked it as it is a great blueprint for retirement planning. Thank you!
Thanks! We are so glad you found it helpful!
Happy journeys,
John and Bev
Excellent advice!! Could not agree more on every point! Thank you so much. I will be sending this to our kids! 😊
That’s great! We are thrilled you are passing it along to your kids. Thanks and hope they find benefit from it.
Happy journeys,
John and Bev
I love that you included the bit about positivity. My mom (now 80) has been relentlessly negative for many years and it is such a huge bummer, and has really decreased her quality of life into her golden years. Making an active effort to be positive and encouraging to others has huge benefits - at any age, really!
YES!
It’s amazing how negativity can really take a toll! Life is just so much better when you are positive and surround yourself with positivity. Thanks for following along with us.
John and Bev
I enjoy your videos! You are so encouraging! My biggest travel challenge is that my husband is very tall and broad so doesn’t fit well in any regular seats. That makes travel very expensive.
Thanks, we are glad you enjoy our videos. We know it can be challenging when you don't fit the 'average' mold. We did a video on strategies to find affordable business class tickets that you might find helpful.
ruclips.net/video/LSh8akYommk/видео.htmlsi=ScPkQ44-feKPGKin
Happy journeys,
John and Bev
My husband as well. We can’t quite afford business class yet, so we usually try to break the trip into shorter segments (5 hours or less) and upgrade to exit rows or extra legroom section - with him in the aisle. It’s not ideal, but better than not traveling. 😁
@@sheilaa1333- have you thought about getting a part time job (many work from home) as a ticket agent with the airlines so you have some travel benefits with the job?
If we hadn't hired a financial advisor in our late 30's we would not have been able to retire (very comfortably) at 53 and 54. Could we have learned to do it ourselves? Maybe, but I just wasn't interested in doing that. As an engineer I believe that expertise, training and education matter. Downsizing while you are still fit is also very important. Leaving this until you need to move into assisted living is going to create a lot of work for your kids that they will resent. Trust me on this.
Congrats on your early retirement. Well done.
John and Bev
All very good points you make there John.
We found the most important thing was your first point , going out of the workforce to retirement without debt.
Downsizing was also most helpful plus the surplus funds from the sale of our big home was able to be invested into our superannuation to "bulk up" the investment.
Both of us being on the same page with the will to travel is, as you say, very important.
We're still trying to get rid of "stuff" but that's a progressive process, and it's helping me know more about what's important in our lives and what's just superfluous "fluff".
Keeping fit is also very important as a precursor to extended good health in our later and years.
Hope to go far beyond the stated "no-go years", (I'm 75 in a few months time).
Thanks. Being debt free just gives you so many more options in retirement.
John and Bev
Some great tips and suggestions Tom. Thank you so much!
I'm so glad you found them useful!
Happy journeys,
John and Bev
Great advice
Agree with all
We’re in Canada 70 73
Travellers too
Not your extreme voyages
We worked for Expedia and organized trips worldwide
Health biggest issue
All plans could stop in an instant
Buying medical insurance with pre existing conditions is very costly so go now !!!
Come visit Canada
Think how far your travel $ will go!!
Thanks and we love visiting Canada. Plan to return.
John and Bev
My husband and I retired at 50. We are based in Australia. We have paid everything off in our mid 40. Love your YT channel! We have been travelling a lot, and plan to continue for a very long time. We both love USA too, great travel destination…. Greetings from hot Australia!
Congrats on early retirement. So glad you are enjoying our channel. We plan a return visit to Australia in 2026.
Happy journeys,
John and Bev
Great video! Thanks.
We're glad you enjoyed it! Happy journeys.
John and Bev
It's always good to hear your thoughts and encouragement! My short trip to Quebec City is coming up the day after Christmas, and I am so excited!! Got several things off of your travel shop on your website, and I am beginning to put it all together for my pre-retirement practice run. Thank you for being a guiding light through this transition. I know you and Bev are where you need to be right now. My thoughts and prayers are with you. ❤
Quebec City is amazing! Enjoy your trip! We’re sure you will find it even better with your new travel gear! Thanks for the kind words and following along with us.
Happy journeys,
John and Bev
Hello Jon. You and Bev give great advice. Thanks for all yall do! I'm checking in from Memphis.
Hello in Memphis. Glad you are enjoying our channel.
Happy journeys,
John and Bev
Great advice! Thank you!
You’re welcome! Thanks for watching.
John and Bev
My wife and I have been traveling since we started dating at 23yrs old. 54 now and I plan to retire by 60. I don not plan on doing lots of traveling in retirement. I do plan on spending winters in warm weather near a beach somewhere. Waiting to travel is a huge mistake, if you can afford it do it or prioritize your savings to travel.
It’s great that you've been able to travel throughout your life! We are sure it's created memories you will always cherish. John and Bev
Well done John! I especially like the last 2 points! Be freaking positive! Don't watch TV! TV drags you down and makes you negative.... Surround yourselves with positive interesting people! Makes life so much more fun! PLUS get in shape! Eat better and exercise and surround yourself with positive people and get out of your comfort zone and see the world and experience other cultures and never watch TV ... and you will enjoy yourself! THANK YOU John and Bev!!!
Thanks for your enthusiasm! It's great to hear what resonated with you! Thanks for following along with us.
Happy journeys,
John and Bev
retirementtravelers.com/
Great video, thank you! 😊
You are so welcome! Glad you enjoyed it.
Happy journeys,
John and Bev
Great video! Valuable information!
Glad it was helpful! Thanks for watching.
Happy journeys,
John and Bev
Great informational points you made. I agree it is very important to be debt free before you embark on an adventure this big and or just everyday life. :). Thank you for sharing.
Glad you found it helpful.
John and Bev
All 100% solid suggestions.
Thanks, we hope they will help you on your retirement journey!
John and Bev
Great advice. If I thought my parents would listen I would share, sadly they don’t listen to nothing but nonsense Facebook posts.
Thanks for trying. John and Bev
Great points, and good reminders!! I love the idea of following your dreams at any age. Subscribed! 🤗
Thanks so much for subscribing and glad you enjoyed the video! Happy journeys!
John and Bev
@@RetirementTravelers 🤗TY!!
Great tips! Looking forward to seeing more travel videos in 2025!
We always said if we were needed back home, we'd stop traveling in a heartbeat. This, unfortunately, has been one of those times. We are where we need to be at the moment, but we have some big travels planned in 2025. In fact, more travel vlogs are in our future to some out of the way places...Stayed tuned and thanks for hanging in there with us! John & Bev
Thanks for your great video. Planning is as well very important in order to make things happening.
Thanks! Glad you enjoyed it. We agree, planning is key. Happy journeys!
John and Bev
Health is very important!...start early with this priority!
The earlier the better. Thanks for sharing.
Happy journeys,
John and Bev
I agree with the no debt. My mom shortly after she retired she decided to not only move to a different state but, also into a bigger house and bought a new car a few years later. To say I was upset would be an understatement. Now that she is in assisted living i have the fun filled task of getting rid of most of her stuff and in order to get rid of most of it I have decided to have an estate sale. They will get rid of most of the stuff even the things you dont think people will be interested in like cleaning supplies etc because they have the connections and have even given me recommendations on places that will get rid of the stuff that wont sell.
Thanks for sharing your story. We are big believers in taking care of managing stuff while you are still able.
John and Bev
Hi John. Great video. I am 45 and looking for retirement by or before 50. These insights are hugely valuable. Are you able to suggest which financial advisor to pick. Fee only or a true wealth manager ? Thanks in advance.
Thanks. We have used a wonderful couple from Florida for the past 6 years and are very pleased. Here is a link to their website. We use them for all aspects of wealth management.
www.ursadvisory.com
John and Bev
A good friend of mine retired at 62. Turned 65 in August. Died Thursday from a heart attack. He loved retirement, but his health began slipping a year ago.
Sorry to hear about your friend. Life is short.
John and Bev
My dear sister passed unexpectedly 5 years ago (just passed the anniversary) at 46. She did not enjoy a healthy, well deserved retirement 😢
At least he had a few years of retirement.
I'm not sure if you mentioned having a will and a trust according to the laws of your state. We just closed my brother's estate and it took close to two years of probate, plus a lot of anxiety and legal fees.
You are absolutely right, it is very important to have a will and trust. We encourage our viewers to consult with an estate planning attorney, which is something we did just before retirement.
Happy journeys,
John and Bev
Good video but completely disagree about using financial advisors taking a percentage of assets every year.
Fair enough. We just share what has worked for us.
John and Bev
Question for you? I've never traveled internationally and haven't traveled much in the US. We want to travel more once we retire. Which would you recommend we do first? I don't want to miss out on international travel but also wonder if driving will be too difficult if we put off the US travel.
Our recommendation would be to do a little of both if possible. Perhaps go visit a National Park in the US and make a trip to Europe for your first international trip. Somewhere like Spain, Netherlands, Italy, Portugal, etc would be nice places. Best of luck to you and stay in touch. Feel free to join our Facebook travel community group for more discussions.
John and Bev
When traveling internationally, it is not like it was 25-30 years ago. The large cities in Europe, especially the “Big 3” (London, Paris and Rome) are full of con men, homeless and immigrants running con games.
Consider going to smaller out of the way cities that don’t attract all the tourists…which in turn attract the con men and pick pockets.
I’m not discouraging you from traveling. But many people book their first international trip to Paris and Rome, then come home very disillusioned.
Don’t be afraid to learn how to use European trains. We spent 28 days in Europe this past summer, took a carry on bag only (so walking and boarding trains is easier). There are great train apps to buy tickets on your phone. Get a Vodafone SIM card for your (unlocked) phone. Vodafone SIM card is good for practically all of Europe. We bought ours in Italy for 30 Euro, worked all over Europe, we did not need to add money to the sim.
You will need a local (European) phone number for many apps or booking hotels on your phone. You don’t want to be racking up international phone charges, just to book a hotel, etc.
A carry on piece of luggage and a backpack are recommend. They both fit in the rack above your train seat. A large suitcase will quickly identify you as an inexperienced tourist, you will have to put your bag at the end of the train car, then worry about someone stealing it at every stop…and won’t have access to it’s contents while riding the train. Check into business class on the trains. Sometimes it is just a few Euros more, gets you an assigned seat, WiFi and a free snack.
The discount airlines in Europe are also a good option for large distances, to avoid LONG train rides.
Enjoy!!
This is an awesome, well-rounded video, John! Really important information that only those with experience can impart. Thank you for the shoutout, too! Can't wait to see you guys soon.
We appreciate the kind words. Thanks for watching. See you soon.
John and Bev
When you say that over 60% of retired folks are in credit card debt, I suspect you are mistaken. What is your definition of credit card debt? If I owe money from putting my groceries on my credit card and have a balance on my account until the bill is due, does that mean I am in debt? I don't pay any interest and pay the bill in full before the due date.
Our definition is “carrying a balance.” In your case you do not have credit card debt, but many people do!
John and Bev
More people than not are paying interest on their cards. They're not able to fully pay the balance.
You sound like someone who is very financially smart and responsible…and as a result, do not realize how foolish and irresponsible many people are!! Congrats on being in the correct crowd!
Hey guys when are you doing more travel? Where to in 2025?!
We are heading out the day after Christmas. Our next video is our update video where we tell our plans for 2025. It's a biggie for us, and we can't wait! Thanks for hanging in there with us. We had some family matters that needed our attention. John & Bev
Very nice job covering the basics. I am sharing this not to brag but to show what’s possible. I’m retired and I have 2 separate portfolios. One is a long term growth dividend portfolio of stocks where i sell covered calls strategically and my 2nd portfolio is the Crypto trading strategy where its all about income. This year I am on pace to make $120K in realized options profits and around $869K in crypto profit... What is great is that my long-term portfolio is still up significantly as well. As such, it’s possible to generate excellent income but still have a total return perspective. ...Amidst this, the insights of a knowledgeable guide like that of Expert Shellane Maxwell can be crucial. Her expertise in navigating the nuances of trading has been the key for Me understanding and making the most of these emerging financial trends
New survey has revealed rising adoption of cryptocurrency among the world billionaires, as they start experimenting in the digital currency, expanding their investments portfolio beyond traditional profitable assets
I heard her strategies are really good, How do I reach your Coach/mentor
How would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?
CAN”T SHARE MUCH HERE SHE’S MOSTLY ON TELEGRAMS WITH HER NAME
@Shellanemaxwell she's verified
I'll be 50 soon, very timely advice for me. Outlive is on my list to read. Thanks for the tips John.
Glad it was helpful. Enjoy the book and thanks for following along with us.
Happy journeys,
John and Bev
You are not quite correct about debt. If are making 10% p.a from a pension fund which cashflows a mortgage of 6% you are best to hold the property and continue to benefit from capital growth than downsize and have less asset value. Theres good debt and bad debt and it all depends on the individuals personal circumstances.
In our situation, it was correct. There were factors that your formula didn’t account for. Thanks for commenting and following along! John & Bev
Bachelor life is be$t! Peace, freedom and financial stability … 🎉
Not in my book! John
Don't simply retire from something; have something to retire to. Start saving, keep saving, and stick to investments. Everyone should have BTC in their portfolio
It’s really heartbreaking to see how inflation and recession impact low-income families. The cost of living keeps rising, and many struggle just to meet basic needs, let alone save or invest. It’s a reminder of the importance of finding ways to create financial opportunities. You've helped me a lot sir Brian! Imagine i invested $50,000 and received $190,500 after 14 days
Absolutely! Profits are possible, especially now, but complex transactions should be handled by experienced market professionals.
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.
Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things
Brian demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit
Some dept are good, I'm using my morgage to borrow money and invest. My investments make more money than my interest.
It's too risky for us. Thanks for commenting! John & Bev
1. Get out of debt - No brainer.
2. Align with spouse - Easy if you do whatever your wife wants.
3. Set goals - Can be good, but only if you really want to. You might not want the burden of new responsibilities.
4. Get rid of all the stuff - When you travel, you can live out of a suitcase. How much stuff do you really need? If you do happen to get rid of something that you actually need later, you can order pretty much anything on Amazon.
5. Get a financial advisor - Probably a good idea for most people. However, you could probably do a breakdown like 60% S&P, 30% bonds, 10% gold/silver/bitcoin, and you would probably do just as well as any advisor.
6. Social network - It depends if you want this. Some people do not really get much out of social interaction. Spending your time with family can be much more rewarding.
7. Travel while you can - It can be fun, but it can also be a pain.
8. Bad purchases - Definitely avoid.
9. Health - Being overweight is definitely something you can control. However, you cannot change your genes.
Fred, well said😉 #5 is more than "what to buy and what percentage", that's the accumulation phase. Retirement involves the spend down phase, etc as well as the phase when your noggin' ain't firing on all cylinders. And if not single, then the extra layer of the survivor's needs,
@@emc6511 , you are in spend down phase, but you still need return and growth because the government is constantly destroying the value of the money. Some how the 2% inflation goal has become 3% to 4%. And we all know the real number is about 2% higher than the official number. With our debt based money system, you never know when they will have to crank up the printing presses to bail everything out. I plan to always invest fairly aggressively based on investment strategies I have developed. I am going to teach my son how to run these systems, and hopefully he can be my financial advisor when I become unable to handle it.
Thanks.
John and Bev
I am a 58 year old Network Admin, Retired Military, working on a small 2nd retirement, never owned a house, NO Debt, Small Savings, I am looking to purchase a Vacation Home in Vicenza Italy. I have done the research and know that I have to go through all the Hoops to get an Italian Mortgage and get it paid off with in 3 years or less. I don't want to purchase a home in the US. I would really like to talk with you all for 15 to 20 Minutes. My plan is to acquire a home in Italy and push everything I have to Savings. I built quite an Network Lab for my IT Studies and now. It is time to get rid of Everything.
Think about just renting.
I know a couple that rented a house in Italy for $5K per years (yes, per year).
Also an Airbnb place for a couple months per year may suffice, if you want to travel to other places.
Jumping into a mortgage can really cut down on your financial flexibility.
So throw away or sell for cheep all you have and spend money on airfare and hotels…. Amazing. What r u going to do when 80+?
We are going to continue living our life with gusto! We have a plan for those years, too! Hopefully, we'll still be traveling some, but we have set aside money for housing and long-term care. Not having a home saves a lot of money now, and we are not spending what we will need later. John & Bev
I’ll push back on having a portfolio managed by a “professional “. Get advise yes, but it’s much more lucrative to do your own investing!!!!!! You don’t have rules to obey and those rules prevent you from benefiting fully on a decision! That’s a bigger factor than you can imagine!!!!! Think long and hard on it…..
Thanks for sharing your opinion.
John and Bev
Retirement isn’t an end goal, but a journey best secured by careful and consistent investments.
Retirement is the reward of disciplined investing over the long term, not just a destination.
yes it is.
More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
Mind if I ask you to recommend this particular coach you using their service?
Rebecca Lynne Buie has always been my top recommendation. Renowned for her expertise in financial markets and backed by an impressive track record, she comes highly recommended.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
Assume you are under 70 and both in good health and have no young grandchildren ?
No idea what that means....
She can go he can stay home..
That is an option.
John and Bev