@@chrysalis4126 Some dogs have found purpose in trolling. Up late drunk and wasted just killing time, because learning and being productive is for suckers and losers.
The things I stopped doing just this year (59) were 1) drinking alcohol. It just makes me sleepy and tired. 2) Going to buffets and/or ordering large menu items. 3) Waiting to buy necessities. If my car needs tires, I buy tires. If I need a dental crown, I get one. Delaying the purchase doesn't make the bill go away!
I agree with all of these. Three years ago, I also retired at 60. The most important thing you forget to mention is stop neglecting your health. Drink plenty of water, get your steps in, eat healthy 80% of the time (20% of the time indulge and eat ....), get your rest and keep moving. I say keep moving because most people hate the word 'exercise'. Keep moving by gardening, yoga, organize your house. Anything that'll keep your joints from freezing up.
59 years old. Worked as a carpenter, self employed for the last 30 years. Retired at 58, (though not through choice). Most in my profession stopped in their 30’s. Because of health and the economy,( I am Scottish), retiring was out of my hands. Decided to buy the camper van I had always wanted and go see the places I wanted to visit and live the life I had always put off for a future that may not arrive. No regrets. Live your life today because tomorrow you may not have the choice.
I think what is going to happen is you would have to plan your trip around the availability of charging stations.The amount of time you take to charge the car takes a lot longer than you think. (May be just lining up) You really can't take a side trip, or go take the "Scenic" route. I think some places may not let you park underground.
I just turned 60, and now you're in my recommendations, haha.... I just retired and sold my car. I bought a good bike and started physical training. Last week I made a bicycle trip from my country Holland to France. I never felt so free in my life as this week: just cycling, being in nature and meeting new people.
@@JoseRodriguez20242 I don't miss working at all! For years afterwards, I'd have nightmares where I got a call from my old boss saying I hadn't " filled out the proper paperwork and I would have to come back and work two more years!" I'd wake up sobbing! 😳😰😣
63 year old kindergarten teacher. I am retiring on Sept 1st! No longer will I spend my days obsessing over my classroom, students, their parents, and my colleagues. The most important thing I have stopped doing is worrying about what others think about me whether it is how I look or my personality. My goals are to live a healthy life and spend time doing what I enjoy! ❤
I stopped collecting, too. Funny you mentioned the magnets, they are on my frig. I also collected Pyrex and now I am stuck with how to get rid of them. You never think there will come a day when it has to be sold or someone else will have to deal with it. I don't stress anymore over purchases, I buy what I need. When we eat out I order what I like w/o worrying about the cost. Time is flying by and I might as well enjoy now what I can. But, I'm not over-spending. I want to save enough to pass it on to my son. I have been giving freely to those in need, that brings me my greatest joy.
I retired at age 60 after working 50 to 60 hour weeks most of my life and moved from the city to the old family homestead. I immediately quit buying fancy clothes and makeup, shopping just for fun, wearing high heels or pantyhose or forcing myself to go to any social function I didn't want to attend! 😊 Gradually, after that, I backed away from all toxic people in my life, including some extended family members who were trouble makers and always wanting me to foot their bills. My life 17 years later has become peaceful and enjoyable as I have both great family and friends.But I live independently and frugally and am pretty much debt free!
since i retired this past spring we pretty much quit eating out. i enjoy cooking so i cook several meals a week and told my wife that she doesn't have to go overboard with the ones she makes. a tomato sandwich and some salad is fine for dinner. its not that we can't afford it, it just seems like such a waste of money anymore. i also (try) to stop losing my temper. a lot of that was related to my work stress hanging over my head 24x7/365. i also quit planning things for the weekends. i do what i want, when i want with no self imposed deadlines.
@@janetstonerook4552 Me, too. I don't even like eating out as even in an expensive restaurant, it's usually not local or organic, which is important to me and it's how I eat at home. Going out with friends, like you said, occasionally, is fun, though!
Hello, I just retired last month at 60 as well. The first two weeks of retirement, I cleaned and decluttered for over 2 weeks straight. It felt so good to purge. And Amen! I agree with all 5 things!! New sub ☺
I love all these people retiring in the US. In the UK the official retirement age is now 66 but in a years time it will be 67!! Most people who work have no spare money to spare!! The one positive is good health care no matter what and as you age that is definitely important.
Nice! This helped me. I handed in my keys last year at age 57, with "the numbers" not feeling ideal. Purging, relaxing, living with less, and planning for the next two decades (and beyond) have been well worth the sacrifice of job security. You've got to stop working sometime... Why not now? Thanks.
I'm 71 & definitely paring down what I own. It's just stuff & I would like to relocate to a better town or smaller city -- one with less gun violence & better medical. I don't know if I'll be able to do this because the housing market's been taken over by corporate investors & apartments that used to rent for under a grand are now going for $1,500 on up. Pretty demoralizing but at least I have a roof over my head. As they say, "count your blessings" because many of the homeless ARE senior citizens, especially women.
I'm 63 and I can't recall stopping anything at 60. The wife and I have always been practical with our money and have been debt free for decades. We have also both been adventuresome throughout the decades we have been together. We did move last year and so got rid of a lot of things we did not need or use anymore. I am retired but my wife has a few more years since she is a bit younger than me. I do wonder what our retired life will be like together, she is excited to retire and I am excited for her to retire. I imagine it to be like extended weekends. In many ways we have lived a bit of a retired life our whole lives in terms of travel and doing things. I think that rubbed off on to our children as well. I do think we have phases throughout our lives and we have started the grandparent stage this year. Still thinking about anything that I have stopped or should stop doing.
“. . . People who don’t have time for me” is a point I’m embracing now. During COVID and after I reached out to a number of people but few reciprocated so I’m paring down my contacts to those who at least make an effort. Financial: Started placing savings into high yield online banks.
Yes. During Covid my sister never once called to see if I was okay. I phoned her regularly...and many times she never bothered to pick up or return the call. finally she said straight out that I was not a priority. I waited until our mother passed away in 2021 and then I went no contact with her. It was sad, because she was my only surviving family member. But I chose to stay in the workplace part time and I enjoy my coworkers a great deal. 😊
@@l.5832 Sorry about how your sister treated you. Some families have so much baggage within them that it's not easy to have a healthy relationship. Mine is similar to your story. Seek out friends (or new friends) who want to be around you.
Funny after looking after people I have to stop feeling guilty for just doing what I want when I want.Being free, healthy and financially in a good place equates to the best time of your life.I agree it’s important to remove or stay away as much as possible from negative people and that unfortunately includes family.
I was a career social worker for almost 40 years. Now I pretend to be joking when I say "Sorry, I am no longer taking on any other adults to raise!" But I actually mean that! I will help anyone I can who is in true need. But they can't come live here even thought I have extra space, they can't borrow my car, and they cannot take my things or access my bank account. Life is so much better since I gave those kind of people the boot!
Why wait until you retire, to do these five things? For anyone, start now, get rid of debt, long and short term, do new things, hang out now with good people, and financially, no one is really in control of their future. Since high-school graduation in the 1970's, I only worked for time off, and changed jobs and careers because I love to learn new things. I have a strong interest in mechanical equipment, so learned all the trades, and same with home renovation. I do all my own repairs and help others with theirs. I am now slowly learning a bit about horticulture, as we have five acres of prosperous property and are adding a few shrubs, fruit trees and doing a bit of gardening with tomatoes and strawberries. Life is good, so start now.
It's not that u can't do these things at any time but sometimes it takes years of experience and wisdom to realize what we want going forward as we figure now or never
I stopped caring about what others think about me. I'm not a horrible person but will not sugar coat everything i say. I have my beliefs and you have yours.
Well worth watching. She also includes what she will do! Summary: 1. Collecting things. 2. Acquiring long term debt. 3. Stopped stressing out about health care costs and if she has enough money to retire. 4. Surrounding herself with people who are dragging her down. 5. Stopped not trying new things.
I retired 3 years ago this month at the age of 63 and wished I did it a long time ago. I developed my hobby of playing the banjo and got into Senior jam groups. I’ve been a partner dancer since I was 46 and still at it today. I got remarried 3 days after I retired to a woman I been with for 16 years. Money or healthcare cost is not my issue and it’s nice not to worry about the stressors from work. The down side is I ended up being a caregiver for my dad whom lives 1,100 miles from me so I rotate with my brother who lives 650 miles from my dad every 2 months. Didn’t see that coming but life happens when you’re making other plans
@@rosewg Your story seems very familiar. I lost my mom last November. And, I have a ukulele in my closet waiting for me. I am going to look for a senior band group. Thanks for sharing. Congratulations on your marriage. Love is grand.
@@thegoldenroadahead thank😌. As for the senior group I participate in both Oklahoma City & Tulsa. I’ve also found ukulele groups in the state and guess who are the most participants? Seniors! I bet you can find such a group near you. If not someone has to be the catalyst and you can start one. Good luck
I am waiting for two things before I consider retiring, paying off my mortgage and when my son earns enough to move out. My daughter is already off on her own. I want no debts and no kids around when I stop working.
Keeping my mind active is most important to me,I go down the garden to my workshop everyday were I design and make telescopes,renovate old motorbikes and drink beer.If you don't have a creative hobby you will soon get bored
Good job and good advice. I got a chronic illness at 35 and have watched Mum & Dad and brother die and people I knew think life is about growing your wealth, accumulating material stuff and furthering their career and rental property portfolio lol. I'm 61 now and my spiritual journey in 2014 to 2017 taught me Love, gratitude and "letting go", in many sense of the word. Biggest I guess was letting go of societal standards and expectations and to still love and look after my material crap, but to know that it's really worthless to us. People think they need MILLIONS in super to retire and have a great retirement but you don't. Because you spend MANY years extra at work trying to achieve this and it's all relevant to the lifestyle you want, which is again "societies standards pushing "their" values on us all. I live my life now with Simplicity, Sincerity and Serenity and I love it. Some people actually pity me that I'm poor, but I'm rich just got minimal money and I'm happy, very happy. So I've "let go" of the life we are "supposed to have" and enjoy my final years so simply. We don't take a thing with us when we die and the most wonderful and beautiful things are free. Nice video and best wishes to you on your journey.
I retired 2 years ago at age 60. One thing I stopped doing is listening to financial “experts” who advise waiting as long as possible to take social security. Even if you don’t necessarily need that money, why not take it while you can? No one is guaranteed a single day in this life, so waiting until 67 or 70 to collect is foolish in my opinion.
I retired at 65, and thought about things for a while. I've also done some of the things you mentioned, but one thing I realized early on was that I needed a project (or two) to replace work. I've decided on a couple of options, and am busy evaluating them. I firmly believe that simply bumbling along in your retirement is a bad idea, you need goals. Well, I certainly do.
@@thegoldenroadahead Travelling is a great choice, and something I would consider, but unfortunately my country's currency is too weak for international travel. I do travel around locally when the opportunity fits my budget and schedule, but that is not often enough to provide me with something to fruitfully occupy my days. For that, I need something that I can do pretty much every day, for hours at a time. A more challenging requirement. I'm working on it.
The thing that drives me nuts is why in old age ( and I’m old) is everyone thinks there a doctor and health talk dominates the conversation! Please!!!!!!!
I collected sports memorabilia and baseball cards for my whole life. Now I’m getting rid of them. No more stuff. I have stopped overthinking things too. And alcohol is no longer a part of my life. I feel so much better!
It was probably a fun collection to have. Like someone said to me, "You enjoyed it and it had a good home. Time for someone else to enjoy it." I still hear this in my head when I decide to part with something. And I am sure you have a good time drinking with buddies and such. Keep your good health ahead of you!
@@thegoldenroadahead Thank you. I do the same thing, I give my things to other fans so they can enjoy them as well. It is very rewarding for me to get rid of things that are no longer of use to me.
It's hard to hang out with people less well off because they tend to want you to be the payer. And it's hard to hang out with people better off because they tend to view you with an eye of suspicion.
@@maryl234 Yikes. It's called "common sense". Paranoia and assuming are different concepts; a dictionary can help you with that. Sounds like you are feeling inconvenienced by people who put up defences against moochers, eh. Well I'm disgusted with people who take advantage of retirees. Being near me would require you to be a person who is responsible for yourself, so yeah, you'll find the grass greener elsewhere.
You are the suspicious one, as stated by both your sentences. This attitude will eat up your senses if you do not make adjustments, and could lead to severe health problems, like dementia. Get CURIOUS, learn to set internal boundaries and let people be people, what ever their faults, because your opinion of them, is why you are suspicious.
@@ya472 Ok okay. I should make adjustments to my suspicions. I need to eschew the wisdom of selecting my counsel. And follow the mob so my health doesn't suffer, otherwise I'll end up with dementia. Interesting advice. I get it. The significance of the passage of time, it's just so significant! Oh, and half the people around you, they want to steal your democracy. That's right, steal! You'll go to pull out some democracy and find your pocket empty. Mark my words. Just you wait and see. But we can't let that happen. By giving money you can help secure your democracy. The constitution? We can beat it! Together... Dime con quien andas y te diré quien eres.
Planning ahead is so important. One of th biggest piece of advice my father gave to me was "you work for retirement". As the natural path in life is to pay for bills, n=mortgage, etc...instead of splurging on 'wants', focus on the 'needs'. And part of that is investing, not just throwing it in the bank. As many investment strategies can provide returns of around 20%, these days the best savings institution can barely yield 4.5%. I don't like to say 'live like there's no tomorrow', because that seems like it's too negatively close. Although I do say that 'live like there's no time like the present'. Enjoy each moment, even if it's looking outside at a nice sunset. Take time to smell the roses. Take enjoyment in all of the little things we take for granted. And if you are like me, and your 'bucket list' has all been crossed off, then make a new little list of small things that would be fun to do...let that be something else to live for. As I'm enjoying mine...please enjoy your retirement!
@@thegoldenroadahead Thank you very much for sharing! One thing I found amazing in retirement, I didn't know how much I'd love it. Throughout my work life, and especially closer to the end, I dreaded walking away from work, I loved my job. But three days into my retirement, I decided to take another view at life, and I woke up the next day and haven't looked back. I love retirement. Especially since it gives me time to work on my various projects, uninterrupted by workdays and other work-related time constraints. My life is finally my own...YES!
Suggestion: Find a hobby that will be an ASSET. Maybe gardening. This might put a little extra food on the table. Potatoes, Onions, or anything you like. Fishing. Extra meat. You may need a small chest type freezer. I have a 7cf freezer. Estimated cost to power it per YEAR is $30 at 13¢ per Kilowatt Hour. Buy meats when on sale to save. Walking trails or riding a bike for your health. Good luck. .
You are Free to use my statements with no credit necessary. That's what we are supposed to do on the Internet or in Life is help each other with information, Ideas ect. I tell people I don't know why we are here on this planet, but I think life is meant to be Enjoyed. Keep up the good work and wishing you and yours well. .
All of those things resonate with me. I stopped coloring my hair when I turned 60. I don’t want any drama because most of it is petty, I want to enjoy my latter years.
Everything that you've listed resonates with me. We are not quite 60, yet, nor have we begun our retirement. But we are working towards it. I agree with you about choosing experiences over things and focusing on the positive vs the negatives in life. I also agree with you about keeping debt to a minimum - now is not the time to be taking on new loans.
Helloooooo from Nova Scotia, Canada 🇨🇦 I just found your channel and am subscribed. I am looking forward to watching 👀 your videos. My husband and I are getting closer to retirement.. and am looking forward to it. I hope that you are having a wonderful day. 😊
Wont put off retirement because i may miss an xtra 20 bucks. The chance of me being a millionaire is low and i want some degree of health in those years so what i got is what. i got.at some point. Not waiting for some magic number
Makes me sad to see over 14K views and no one bothered enough to support your new channel to help it grow! ❤❤❤ for my. Headaches. Please correct angle of camera. Thanks. Happy trails. ❤❤❤ Michelle Greenville Fl. 😊😊
Thanks for the feedback. You are awesome. I have Duane's Syndrome that makes camera and eye angles very difficult. Look it up if you get the chance. It is not very common. I may do a video sometime on it. IDK.
I’m definitely not purging. Everything that I have I see as a resource. I don’t have and will not have long term debt. However I am looking forward to traveling.
I think other people who give me their opinions provide worry. And, I just watched my mom go through the waiting line of death last December. So, you are probably right, but these things motivate me to change and live my best life now. Thanks for the comment and I hope you subscribe to my channel.
The younger generation needs $. it's OK to help in any way you can. Give your time if nothing else. They have it hard. Babysit, make dinners, help with down payment. What's yours is hers ultimately.
Thank you for your comment. I appreciate this so much. You are correct the younger generation needs money. I wish I could babysit and make dinners but they live clear across the country. We have already provided help with a down payment on a home, a handsome amount. Having a minimalist mindset, specifically our heirs, they have already told us that they do not want what we have acquired over the years. They will get what is left over monetarily. I hope your heirs live close and you get the pleasure of watching and helping them! It is a gift.
@@thegoldenroadahead better to help now than when you pass away. You could move closer to where they are, or pay for a plane ticket and have them visit. By heirs I hope you mean your children. I wouldn't be giving anything to nieces, nephews, neighbors.. just the children.
I used to worry about money a lot and in the end you can plan as much as you like but as that certain age gets closer what you end up with is the amount you have and that’s it there will be no one more year for me it is what it is as they say no use stressing about it cause that’s what will shorten your life is the unnecessary stress
Being a mom and devoted wife, putting others first just seemed like the right thing to do. Now, I feel like it is time for me. I hope this makes sense.
@@thegoldenroadahead - When you are in an emergency on a plane you are instructed to put your own oxygen mask on first. Then you will be fully capable to help others. Life can be like that. When you are not functioning properly you are not able to give 100% to others, which is what they sometimes need. Something to consider, not always easy to follow, but helps you acknowledge your right to self care. You deserve it.
LOL. If you were collecting fridge magnets, and quitting fridge magnets is a big accomplishment, then it seems you may have had too much time on your hands before you retired. Just my opinion.
@@jasonfrodoman1316 Just an example of decluttering my life from objects. There was so much more. But I understand what you are saying. It does seem minuscule now that you mention it.
The no 1 ( although some may see it as harsh) advice I could give any woman from 50 onwards is to continue to dye your hair, especially if it's long. Your husband or boyfriend or girlfriend may say " "Oh Yes dear your grey hair looks natural, good for you, you go girl" but inside most ( maybe not all) are cringing and are really embarrassed when out with friends. It may feel invigorating to not care what others think anymore and I get that, but those others might not want to spend as much time with you. Is that shallow from them? Absolutely. Is that human nature? Yes, it is! Some people are attracted to short or tall or fat or thin people, others to curvy, some to blonde others to brunette. Having grey hair is NO different to this!!! So don't excommunicate people for simply having a preference as to what they like to look at. If you genuinely don't care what your partner or friends think of you, then fine, no problem. However if you do, you know what to do 👍
Shallow. Last fall I let my long hair go natural and have never gotten more genuine comments that were very positive. It is platinum and it almost looks like I color it. I love it!! Most people care about what's inside the person they spend time with, not what's on the outside. (Unless it's something completely obnoxious like being unkempt or unclean.)
@@pjmurphy920 You are very lucky then. The vast majority of women who let their hair grow out are not so blessed to have a platinum colour. Every rule has exceptions and you prove that!
I think most of this should have been realised and executed way before this watershed awakened you. Buying a brand new car certainly wouldn't count as a sound financial decision when 3 years down the loan it will be worth 50% or less of what you paid for it.
Thank you so much for taking the time to comment. I feel no-one has perfect hindsight and I try to live with no regrets. I am not perfect. I hope you find my channel interesting and some how deeps your thoughts on aging gracefully.
Purging may be the wrong word here. When my mom died last November, I had the strong feeling of being next in the waiting line for death. Something I don't feel I am ready for and will spend my days ahead doing and savoring more important activities. As far as "purging", I donated all my work clothes within a month of my early retirement. Thanks for the question and I may use this question in a future RUclips.
I don’t know… I color my own hair three times a year - at home for $ 3 a box from a “bent and dent” store. I can afford three dollars. In the grocery store, it is $8 or so. BTW, I also cut my own hair. I have money, just don’t see the value in paying others for what I can do myself.
@@bevanbuckwheatshea5520 Hi Bevan : I had read that online too so I asked my trusted doctor and her reply was : “Well, if that is true, I should stop. I never read that.” I am not saying that doctors know everything, but just like everything else a few times a year (and 20 minutes on the scalp) can’t be too dangerous. I will keep dying my hair for a while yet. Thanks for the reply.
Well, I may junk the Tesla at some point, but the Tesla has taken over 90% of my drive cross country and I feel less stressed. Not looking to impress anyone just making my life easy.
@@thegoldenroadahead Sorry about my comment I'm not a Elon Musk fan and I hear people go on vacation across the country in some parts of some states there aren't any charge stations. Enjoy your holiday
People make videos like this to help people who have not planned for retirement, have a bunch of debt piled up, and sadly we'll have to work tell they die.
What have you stopped doing?
Worrying about dressing for success.
Being paranoid about offending.
@@elgringoec Right. Feels empowering.
watching useless YT videos like this
@@maryl234 Harsh.
@@chrysalis4126
Some dogs have found purpose in trolling. Up late drunk and wasted just killing time, because learning and being productive is for suckers and losers.
The things I stopped doing just this year (59) were 1) drinking alcohol. It just makes me sleepy and tired. 2) Going to buffets and/or ordering large menu items. 3) Waiting to buy necessities. If my car needs tires, I buy tires. If I need a dental crown, I get one. Delaying the purchase doesn't make the bill go away!
@@Duke_of_Prunes Healthy living!
Alcohol costs too much! Delay those purchases and see what they cost down the road. Yikes!
@@dudley7540 I am considering a change in my food and beverage consumption too. I gave up coffee for a while.
I quit drinking 15 years ago. Your health and your wallet will thank you.
@@Jazzycat50 My health has improved dramatically.
I agree with all of these. Three years ago, I also retired at 60. The most important thing you forget to mention is stop neglecting your health. Drink plenty of water, get your steps in, eat healthy 80% of the time (20% of the time indulge and eat ....), get your rest and keep moving. I say keep moving because most people hate the word 'exercise'. Keep moving by gardening, yoga, organize your house. Anything that'll keep your joints from freezing up.
Absolutely, keep moving!
Agree with you 100! I have said the same thing to myself (and others) about the 80/20 healthy eating and moving. Well said! ;-)
59 years old. Worked as a carpenter, self employed for the last 30 years. Retired at 58, (though not through choice). Most in my profession stopped in their 30’s. Because of health and the economy,( I am Scottish), retiring was out of my hands. Decided to buy the camper van I had always wanted and go see the places I wanted to visit and live the life I had always put off for a future that may not arrive. No regrets. Live your life today because tomorrow you may not have the choice.
Enjoy the ride!
As a car mechanic Do Not take long road trips in a Tesla!
@@trampslikeus3575 interesting- why?
I think what is going to happen is you would have to plan your trip around the availability of charging stations.The amount of time you take to charge the car takes a lot longer than you think. (May be just lining up) You really can't take a side trip, or go take the "Scenic" route. I think some places may not let you park underground.
@@trampslikeus3575 we have not run into the underground thing - yet. But I appreciate the heads up.
I just turned 60, and now you're in my recommendations, haha....
I just retired and sold my car.
I bought a good bike and started physical training.
Last week I made a bicycle trip from my country Holland to France.
I never felt so free in my life as this week: just cycling, being in nature and meeting new people.
Amazing. You should start a RUclips channel.
Stay away from negative people and those who just use other people. Life is too short to waste time with some people.
Good advice.
Totally agree with you there!
I stopped worrying about Monday morning since retiring....So freeing
OMG, you are so right. Oh what a feeling!
I celebrate retirement Mondays 🎉
@@JoseRodriguez20242 I don't miss working at all! For years afterwards, I'd have nightmares where I got a call from my old boss saying I hadn't " filled out the proper paperwork and I would have to come back and work two more years!" I'd wake up sobbing! 😳😰😣
@@janetstonerook4552 You must have had a horrible job, one you didn't like at all. Glad you're out of it.
63 year old kindergarten teacher. I am retiring on Sept 1st! No longer will I spend my days obsessing over my classroom, students, their parents, and my colleagues. The most important thing I have stopped doing is worrying about what others think about me whether it is how I look or my personality. My goals are to live a healthy life and spend time doing what I enjoy! ❤
@@sherryalexander2421 I get this totally. I am a former educator too.
And this is why I homeschool! Nobody will ever care more about my children than I do.
I stopped collecting, too. Funny you mentioned the magnets, they are on my frig. I also collected Pyrex and now I am stuck with how to get rid of them. You never think there will come a day when it has to be sold or someone else will have to deal with it. I don't stress anymore over purchases, I buy what I need. When we eat out I order what I like w/o worrying about the cost. Time is flying by and I might as well enjoy now what I can. But, I'm not over-spending. I want to save enough to pass it on to my son. I have been giving freely to those in need, that brings me my greatest joy.
I need to think more about what I want to pass on and to give more freely to those in need. Thanks for the ideas.
I quit drinking, got another job where I don't have to work as hard and decided to keep women out of my life and I have finally realized bliss.
Finding bliss - I love this.
❤
I retired at age 60 after working 50 to 60 hour weeks most of my life and moved from the city to the old family homestead. I immediately quit buying fancy clothes and makeup, shopping just for fun, wearing high heels or pantyhose or forcing myself to go to any social function I didn't want to attend! 😊 Gradually, after that, I backed away from all toxic people in my life, including some extended family members who were trouble makers and always wanting me to foot their bills. My life 17 years later has become peaceful and enjoyable as I have both great family and friends.But I live independently and frugally and am pretty much debt free!
@@janetstonerook4552 This is amazing. Sounds so peaceful.
#4 is SO important. If there's anyone youngish watching this, start #4 now!! (and start saving money NOW!) Love, a 62 year old.
@@choochoo9506 yes!
When one gets old, they get better at seperating "wants" vs "needs". Food, shelter, loved ones and of course health become very important!!
We are singing the same song.
since i retired this past spring we pretty much quit eating out. i enjoy cooking so i cook several meals a week and told my wife that she doesn't have to go overboard with the ones she makes. a tomato sandwich and some salad is fine for dinner. its not that we can't afford it, it just seems like such a waste of money anymore. i also (try) to stop losing my temper. a lot of that was related to my work stress hanging over my head 24x7/365. i also quit planning things for the weekends. i do what i want, when i want with no self imposed deadlines.
@@rodeleon2875 These are good ones.
I like going for a wander through the woods, meadows and fields with my dog, the Polish hound. Keeps me sane
@@frankgradus9474 Love spending time outdoors. Nature is refreshing.
Eating out for me is a special event once every month or two. And mostly to meet up with friends at a friendly little local diner.
@@janetstonerook4552 Me, too. I don't even like eating out as even in an expensive restaurant, it's usually not local or organic, which is important to me and it's how I eat at home. Going out with friends, like you said, occasionally, is fun, though!
Hello, I just retired last month at 60 as well. The first two weeks of retirement, I cleaned and decluttered for over 2 weeks straight. It felt so good to purge. And Amen! I agree with all 5 things!! New sub ☺
@@rosed6058 Thank you. It was so rewarding to get rid of my work clothes!
I love all these people retiring in the US. In the UK the official retirement age is now 66 but in a years time it will be 67!! Most people who work have no spare money to spare!! The one positive is good health care no matter what and as you age that is definitely important.
Nice! This helped me. I handed in my keys last year at age 57, with "the numbers" not feeling ideal. Purging, relaxing, living with less, and planning for the next two decades (and beyond) have been well worth the sacrifice of job security. You've got to stop working sometime... Why not now? Thanks.
@@aetopus1228 57 is impressive’
When you are still young and energetic enough to enjoy doing things on your bucket list! Smart!
I'm 71 & definitely paring down what I own. It's just stuff & I would like to relocate to a better town or smaller city -- one with less gun violence & better medical. I don't know if I'll be able to do this because the housing market's been taken over by corporate investors & apartments that used to rent for under a grand are now going for $1,500 on up. Pretty demoralizing but at least I have a roof over my head. As they say, "count your blessings" because many of the homeless ARE senior citizens, especially women.
Deep true concerns.
I'm now an old woman with a chihuahua! And I Love it! Free indeed!❤
What is a chihuahua?
I'm 63 and I can't recall stopping anything at 60. The wife and I have always been practical with our money and have been debt free for decades. We have also both been adventuresome throughout the decades we have been together. We did move last year and so got rid of a lot of things we did not need or use anymore. I am retired but my wife has a few more years since she is a bit younger than me. I do wonder what our retired life will be like together, she is excited to retire and I am excited for her to retire. I imagine it to be like extended weekends. In many ways we have lived a bit of a retired life our whole lives in terms of travel and doing things. I think that rubbed off on to our children as well. I do think we have phases throughout our lives and we have started the grandparent stage this year. Still thinking about anything that I have stopped or should stop doing.
@@scottguitar8168 You have so much fun ahead of you too!
@@thegoldenroadahead I hope so.
“. . . People who don’t have time for me” is a point I’m embracing now. During COVID and after I reached out to a number of people but few reciprocated so I’m paring down my contacts to those who at least make an effort. Financial: Started placing savings into high yield online banks.
@@JD-wu3li Yes. You are sharing some common thoughts.
Yes. During Covid my sister never once called to see if I was okay. I phoned her regularly...and many times she never bothered to pick up or return the call. finally she said straight out that I was not a priority. I waited until our mother passed away in 2021 and then I went no contact with her. It was sad, because she was my only surviving family member. But I chose to stay in the workplace part time and I enjoy my coworkers a great deal. 😊
@@l.5832 Sorry about your sister.
@@l.5832 Sorry about how your sister treated you. Some families have so much baggage within them that it's not easy to have a healthy relationship. Mine is similar to your story. Seek out friends (or new friends) who want to be around you.
Funny after looking after people I have to stop feeling guilty for just doing what I want when I want.Being free, healthy and financially in a good place equates to the best time of your life.I agree it’s important to remove or stay away as much as possible from negative people and that unfortunately includes family.
Yes it does.
I was a career social worker for almost 40 years. Now I pretend to be joking when I say "Sorry, I am no longer taking on any other adults to raise!" But I actually mean that! I will help anyone I can who is in true need. But they can't come live here even thought I have extra space, they can't borrow my car, and they cannot take my things or access my bank account. Life is so much better since I gave those kind of people the boot!
Why wait until you retire, to do these five things? For anyone, start now, get rid of debt, long and short term, do new things, hang out now with good people, and financially, no one is really in control of their future. Since high-school graduation in the 1970's, I only worked for time off, and changed jobs and careers because I love to learn new things. I have a strong interest in mechanical equipment, so learned all the trades, and same with home renovation. I do all my own repairs and help others with theirs. I am now slowly learning a bit about horticulture, as we have five acres of prosperous property and are adding a few shrubs, fruit trees and doing a bit of gardening with tomatoes and strawberries. Life is good, so start now.
I wish I had the foresight that you did. Better late than never - I guess.
It's not that u can't do these things at any time but sometimes it takes years of experience and wisdom to realize what we want going forward as we figure now or never
@@deloresredman4792 Yes, most of us are brainwashed to ride the treadmill.
@@deloresredman4792 So true.
Good luck with your channel.
Your thoughts are validating, my wife and I share them.
Here’s to good health and a long happy retirement.
Thank you for your support.
I stopped caring about what others think about me. I'm not a horrible person but will not sugar coat everything i say. I have my beliefs and you have yours.
@@1969aquarius Speak the truth.
Well worth watching. She also includes what she will do! Summary:
1. Collecting things.
2. Acquiring long term debt.
3. Stopped stressing out about health care costs and if she has enough money to retire.
4. Surrounding herself with people who are dragging her down.
5. Stopped not trying new things.
Thank you for your support.
I retired 3 years ago this month at the age of 63 and wished I did it a long time ago. I developed my hobby of playing the banjo and got into Senior jam groups. I’ve been a partner dancer since I was 46 and still at it today. I got remarried 3 days after I retired to a woman I been with for 16 years. Money or healthcare cost is not my issue and it’s nice not to worry about the stressors from work. The down side is I ended up being a caregiver for my dad whom lives 1,100 miles from me so I rotate with my brother who lives 650 miles from my dad every 2 months. Didn’t see that coming but life happens when you’re making other plans
@@rosewg Your story seems very familiar. I lost my mom last November. And, I have a ukulele in my closet waiting for me. I am going to look for a senior band group. Thanks for sharing. Congratulations on your marriage. Love is grand.
@@thegoldenroadahead thank😌. As for the senior group I participate in both Oklahoma City & Tulsa. I’ve also found ukulele groups in the state and guess who are the most participants? Seniors! I bet you can find such a group near you. If not someone has to be the catalyst and you can start one. Good luck
Thank you for another interesting and enjoyable video. Looking forward to watching trip. I retired at 55 am 71 now!
Thank you, the trip is coming in a video format soon. I am so new at RUclips and am trying to do a little montage.
I am waiting for two things before I consider retiring, paying off my mortgage and when my son earns enough to move out. My daughter is already off on her own. I want no debts and no kids around when I stop working.
Set goals is working for me!
Keeping my mind active is most important to me,I go down the garden to my workshop everyday were I design and make telescopes,renovate old motorbikes and drink beer.If you don't have a creative hobby you will soon get bored
@@williambailey1712 Like this.
Good job and good advice. I got a chronic illness at 35 and have watched Mum & Dad and brother die and people I knew think life is about growing your wealth, accumulating material stuff and furthering their career and rental property portfolio lol. I'm 61 now and my spiritual journey in 2014 to 2017 taught me Love, gratitude and "letting go", in many sense of the word. Biggest I guess was letting go of societal standards and expectations and to still love and look after my material crap, but to know that it's really worthless to us. People think they need MILLIONS in super to retire and have a great retirement but you don't. Because you spend MANY years extra at work trying to achieve this and it's all relevant to the lifestyle you want, which is again "societies standards pushing "their" values on us all. I live my life now with Simplicity, Sincerity and Serenity and I love it. Some people actually pity me that I'm poor, but I'm rich just got minimal money and I'm happy, very happy. So I've "let go" of the life we are "supposed to have" and enjoy my final years so simply. We don't take a thing with us when we die and the most wonderful and beautiful things are free. Nice video and best wishes to you on your journey.
Very wise.
I am 59 and will follow your journey. Hopefully I will learn something that will help me.
@@lisak2575 I hope so. Thanks for your support.
I am so glad that things are going well for you and your husband, and family. Many more blessings!!!
@@TimothyJohnLukeSmithPSA thank you so much
I turned 60 in June and retired 3 weeks ago. Very similar plans/aims as you. Enjoy !
Congratulations!
I retired 2 years ago at age 60. One thing I stopped doing is listening to financial “experts” who advise waiting as long as possible to take social security. Even if you don’t necessarily need that money, why not take it while you can? No one is guaranteed a single day in this life, so waiting until 67 or 70 to collect is foolish in my opinion.
@@kennethyoder9766 This seems to be a huge topic.
I retired at 65, and thought about things for a while. I've also done some of the things you mentioned, but one thing I realized early on was that I needed a project (or two) to replace work. I've decided on a couple of options, and am busy evaluating them. I firmly believe that simply bumbling along in your retirement is a bad idea, you need goals. Well, I certainly do.
@@rs8197-dms yes. Traveling is one of ours!
@@thegoldenroadahead Travelling is a great choice, and something I would consider, but unfortunately my country's currency is too weak for international travel. I do travel around locally when the opportunity fits my budget and schedule, but that is not often enough to provide me with something to fruitfully occupy my days. For that, I need something that I can do pretty much every day, for hours at a time. A more challenging requirement. I'm working on it.
@@rs8197-dms gotcha- cooking is another love.
Good for you! May you have a long, happy and stress free retirement! Already started down the very same road myself.
@@hughjass1044 congratulations
The thing that drives me nuts is why in old age ( and I’m old) is everyone thinks there a doctor and health talk dominates the conversation! Please!!!!!!!
@@G.S.W.SewmesomeMusic Yes, health and financial concerns.
Great tips! Wishing you and your channel abundance and success 😊
@@TheresaRene360 Thank you for your support.
Joy and Happiness are priceless.
Yes!
I collected sports memorabilia and baseball cards for my whole life. Now I’m getting rid of them. No more stuff. I have stopped overthinking things too. And alcohol is no longer a part of my life. I feel so much better!
It was probably a fun collection to have. Like someone said to me, "You enjoyed it and it had a good home. Time for someone else to enjoy it." I still hear this in my head when I decide to part with something. And I am sure you have a good time drinking with buddies and such. Keep your good health ahead of you!
@@thegoldenroadahead Thank you. I do the same thing, I give my things to other fans so they can enjoy them as well. It is very rewarding for me to get rid of things that are no longer of use to me.
It's hard to hang out with people less well off because they tend to want you to be the payer. And it's hard to hang out with people better off because they tend to view you with an eye of suspicion.
Interesting. Something to watch for. Thank you.
The payer for what? Maybe the people "less well off" should get away from you as you sound paranoid and assuming.
@@maryl234
Yikes. It's called "common sense". Paranoia and assuming are different concepts; a dictionary can help you with that. Sounds like you are feeling inconvenienced by people who put up defences against moochers, eh. Well I'm disgusted with people who take advantage of retirees. Being near me would require you to be a person who is responsible for yourself, so yeah, you'll find the grass greener elsewhere.
You are the suspicious one, as stated by both your sentences. This attitude will eat up your senses if you do not make adjustments, and could lead to severe health problems, like dementia. Get CURIOUS, learn to set internal boundaries and let people be people, what ever their faults, because your opinion of them, is why you are suspicious.
@@ya472
Ok okay. I should make adjustments to my suspicions. I need to eschew the wisdom of selecting my counsel. And follow the mob so my health doesn't suffer, otherwise I'll end up with dementia. Interesting advice.
I get it. The significance of the passage of time, it's just so significant! Oh, and half the people around you, they want to steal your democracy. That's right, steal! You'll go to pull out some democracy and find your pocket empty. Mark my words. Just you wait and see. But we can't let that happen. By giving money you can help secure your democracy. The constitution? We can beat it! Together...
Dime con quien andas y te diré quien eres.
Planning ahead is so important. One of th biggest piece of advice my father gave to me was "you work for retirement". As the natural path in life is to pay for bills, n=mortgage, etc...instead of splurging on 'wants', focus on the 'needs'. And part of that is investing, not just throwing it in the bank. As many investment strategies can provide returns of around 20%, these days the best savings institution can barely yield 4.5%.
I don't like to say 'live like there's no tomorrow', because that seems like it's too negatively close. Although I do say that 'live like there's no time like the present'. Enjoy each moment, even if it's looking outside at a nice sunset. Take time to smell the roses. Take enjoyment in all of the little things we take for granted.
And if you are like me, and your 'bucket list' has all been crossed off, then make a new little list of small things that would be fun to do...let that be something else to live for.
As I'm enjoying mine...please enjoy your retirement!
Thank you so much. I appreciate your sharing.
@@thegoldenroadahead Thank you very much for sharing!
One thing I found amazing in retirement, I didn't know how much I'd love it. Throughout my work life, and especially closer to the end, I dreaded walking away from work, I loved my job. But three days into my retirement, I decided to take another view at life, and I woke up the next day and haven't looked back. I love retirement. Especially since it gives me time to work on my various projects, uninterrupted by workdays and other work-related time constraints. My life is finally my own...YES!
Im 60 and agree with you 100%
Thank you for your support.
The one biggest thing for me was not climbing or standing on ladders, trees, step stools, chairs, etc. I will climb stairs.
Yes, same with my husband. He gets dizzy.
Great video, top Lady, best wishes from Birmingham, England!
@@paulhobday9272 Thank you for your support.
Suggestion:
Find a hobby that will be an ASSET.
Maybe gardening. This might put a little extra food on the table. Potatoes, Onions, or anything you like.
Fishing. Extra meat. You may need a small chest type freezer. I have a 7cf freezer. Estimated cost to power it per YEAR is $30 at 13¢ per Kilowatt Hour. Buy meats when on sale to save.
Walking trails or riding a bike for your health.
Good luck.
.
@@DD-uf2uo I really like the way you stated this. Maybe I can use it someday in my videos? With your credit mentioned or not? Let me know.
You are Free to use my statements with no credit necessary. That's what we are supposed to do on the Internet or in Life is help each other with information, Ideas ect.
I tell people I don't know why we are here on this planet, but I think life is meant to be Enjoyed.
Keep up the good work and wishing you and yours well.
.
stop wasting money is a big one for me. i so wish i would have started that with my first pay check a thousand years ago :)
Money was so tight years ago. Saving seemed impossible.
All of those things resonate with me. I stopped coloring my hair when I turned 60. I don’t want any drama because most of it is petty, I want to enjoy my latter years.
Stopped coloring hair - YES! Thank you this is a good one. Me too.
I stopped wasting money when I was in my teens.
@@QBRX smart!
Love this!
@@gabolujan3109 Thank you for your support.
Everything that you've listed resonates with me. We are not quite 60, yet, nor have we begun our retirement. But we are working towards it. I agree with you about choosing experiences over things and focusing on the positive vs the negatives in life. I also agree with you about keeping debt to a minimum - now is not the time to be taking on new loans.
Thank you for your support.
Helloooooo from Nova Scotia, Canada 🇨🇦 I just found your channel and am subscribed. I am looking forward to watching 👀 your videos. My husband and I are getting closer to retirement.. and am looking forward to it. I hope that you are having a wonderful day. 😊
Thanks for subbing! I appreciate your feedback and am so happy for you and your husband.
Wont put off retirement because i may miss an xtra 20 bucks. The chance of me being a millionaire is low and i want some degree of health in those years so what i got is what. i got.at some point. Not waiting for some magic number
Nailed it!
Makes me sad to see over 14K views and no one bothered enough to support your new channel to help it grow! ❤❤❤ for my. Headaches. Please correct angle of camera. Thanks. Happy trails. ❤❤❤ Michelle Greenville Fl. 😊😊
Thanks for the feedback. You are awesome. I have Duane's Syndrome that makes camera and eye angles very difficult. Look it up if you get the chance. It is not very common. I may do a video sometime on it. IDK.
Good for you trying something new!!
I drove through Devil's Slide in Utah a few days ago. It was amazing. Thanks for the support.
Hello, I'm number 214. Happy to be around for the journey!
OMG. I am so thankful.
I’m definitely not purging. Everything that I have I see as a resource. I don’t have and will not have long term debt. However I am looking forward to traveling.
@@molassescricket6663Travel! Yes!
Listening to you gives me the impression that you worry too much. Life has no warranty but it does have an expiry date.
I think other people who give me their opinions provide worry. And, I just watched my mom go through the waiting line of death last December. So, you are probably right, but these things motivate me to change and live my best life now. Thanks for the comment and I hope you subscribe to my channel.
Financial planner will just suck you dry. Read and learn how to do it yourself, you got the time
@@tima7763 good advise.
The younger generation needs $. it's OK to help in any way you can. Give your time if nothing else. They have it hard. Babysit, make dinners, help with down payment. What's yours is hers ultimately.
Thank you for your comment. I appreciate this so much. You are correct the younger generation needs money. I wish I could babysit and make dinners but they live clear across the country. We have already provided help with a down payment on a home, a handsome amount. Having a minimalist mindset, specifically our heirs, they have already told us that they do not want what we have acquired over the years. They will get what is left over monetarily. I hope your heirs live close and you get the pleasure of watching and helping them! It is a gift.
@@thegoldenroadahead better to help now than when you pass away. You could move closer to where they are, or pay for a plane ticket and have them visit. By heirs I hope you mean your children. I wouldn't be giving anything to nieces, nephews, neighbors.. just the children.
Souvenir magnets, no, no, please. I wish my former just spent money on refrigerator magnets.
Yup, no, no, please.
I just retired a week ago. Visiting the mountains on vacation. Hasn’t sunk in yet
@@jessegarman7899 OMG that is amazing.
I used to worry about money a lot and in the end you can plan as much as you like but as that certain age gets closer what you end up with is the amount you have and that’s it there will be no one more year for me it is what it is as they say no use stressing about it cause that’s what will shorten your life is the unnecessary stress
You nailed it!
Agree first you need no det then you can stop worrying.
Money matters...
well said!!! amen
Thank you!
If you don’t put yourself first now, will you ever?
Being a mom and devoted wife, putting others first just seemed like the right thing to do. Now, I feel like it is time for me. I hope this makes sense.
@@thegoldenroadahead - When you are in an emergency on a plane you are instructed to put your own oxygen mask on first. Then you will be fully capable to help others. Life can be like that. When you are not functioning properly you are not able to give 100% to others, which is what they sometimes need. Something to consider, not always easy to follow, but helps you acknowledge your right to self care. You deserve it.
LOL. If you were collecting fridge magnets, and quitting fridge magnets is a big accomplishment, then it seems you may have had too much time on your hands before you retired. Just my opinion.
@@jasonfrodoman1316 Just an example of decluttering my life from objects. There was so much more. But I understand what you are saying. It does seem minuscule now that you mention it.
Congratulations😀
Many many thanks.
The no 1 ( although some may see it as harsh) advice I could give any woman from 50 onwards is to continue to dye your hair, especially if it's long. Your husband or boyfriend or girlfriend may say " "Oh Yes dear your grey hair looks natural, good for you, you go girl" but inside most ( maybe not all) are cringing and are really embarrassed when out with friends. It may feel invigorating to not care what others think anymore and I get that, but those others might not want to spend as much time with you. Is that shallow from them? Absolutely. Is that human nature? Yes, it is!
Some people are attracted to short or tall or fat or thin people, others to curvy, some to blonde others to brunette. Having grey hair is NO different to this!!! So don't excommunicate people for simply having a preference as to what they like to look at. If you genuinely don't care what your partner or friends think of you, then fine, no problem. However if you do, you know what to do 👍
@@KryptonitetoallBS Very interesting comment. I appreciate it.
Shallow. Last fall I let my long hair go natural and have never gotten more genuine comments that were very positive. It is platinum and it almost looks like I color it. I love it!! Most people care about what's inside the person they spend time with, not what's on the outside. (Unless it's something completely obnoxious like being unkempt or unclean.)
@@pjmurphy920 You are very lucky then. The vast majority of women who let their hair grow out are not so blessed to have a platinum colour. Every rule has exceptions and you prove that!
I think most of this should have been realised and executed way before this watershed awakened you. Buying a brand new car certainly wouldn't count as a sound financial decision when 3 years down the loan it will be worth 50% or less of what you paid for it.
Thank you so much for taking the time to comment. I feel no-one has perfect hindsight and I try to live with no regrets. I am not perfect. I hope you find my channel interesting and some how deeps your thoughts on aging gracefully.
Good For You ♥️Brand New Subscriber Here…
Thank you for your support!
You are Aging with grace.
TY
Please explain purging It sounds sad - like you’re getting ready to die Why is everyone my age getting rid of his/her belongings?!
Purging may be the wrong word here. When my mom died last November, I had the strong feeling of being next in the waiting line for death. Something I don't feel I am ready for and will spend my days ahead doing and savoring more important activities. As far as "purging", I donated all my work clothes within a month of my early retirement. Thanks for the question and I may use this question in a future RUclips.
Would you share why you took early retirement?
Absolutely. See link below.
ruclips.net/video/Rkk3SwTg0iE/видео.htmlsi=CWpsgeJlUGQnWKZy
Agree
Thank you for your support.
Wasting not waisting.
Clever!
Dont color your hair. Saves a lot of money and much healthier for you.
Looking back - I can't believe how much I spent on coloring my hair.
I don’t know… I color my own hair three times a year - at home for $ 3 a box from a “bent and dent” store. I can afford three dollars. In the grocery store, it is $8 or so. BTW, I also cut my own hair. I have money, just don’t see the value in paying others for what I can do myself.
Color not good for your scalp. Go gray gracefully.
@@bevanbuckwheatshea5520 Hi Bevan : I had read that online too so I asked my trusted doctor and her reply was : “Well, if that is true, I should stop. I never read that.” I am not saying that doctors know everything, but just like everything else a few times a year (and 20 minutes on the scalp) can’t be too dangerous. I will keep dying my hair for a while yet. Thanks for the reply.
@@bevanbuckwheatshea5520 Yes!
Junk the Tes!a it's not the car too take on a long country trip and you won't impress anyone especially in the south.
Well, I may junk the Tesla at some point, but the Tesla has taken over 90% of my drive cross country and I feel less stressed. Not looking to impress anyone just making my life easy.
@@thegoldenroadahead
Sorry about my comment I'm not a Elon Musk fan and I hear people go on vacation across the country in some parts of some states there aren't any charge stations.
Enjoy your holiday
@@waynek3366 Thank you, I appreciate your thoughts.
Waisting? You mean wasting!
Thank you for the correction.
Wasting, not waisting
Clever.
dieting?
Although I watch what I eat, I haven't stopped enjoying food. I love cake too much.
Why do you watch these sorts of videos?
@@megarth1 curiosity and to get different perspectives.
My wife decided to stop having sex at age 60. Such a cruel thing to do. So, I had to get a younger girlfriend. S
Sorry to hear about your wife and hope you are happy!
sounds expensive.
@@justacitygirl cheaper than a divorce 😂
@@paultrewin5871 damn!!! Your wife is ok with it? Why not call her a side chick instead of girlfriend?
I guess when you turn 60 you become cold and selfish.
Ha, thanks for your opinion and keeping me grounded.
Why do people make these sort of videos?
@@wthomas5697 Have you ever been faced with mortality?
@@thegoldenroadahead Of course.
It's good advice.
@wthomas5697 WHY do people like yourself, watch these videos and comment?
People make videos like this to help people who have not planned for retirement, have a bunch of debt piled up, and sadly we'll have to work tell they die.