Shocking Facts They Don't Tell You In Retirement
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- Опубликовано: 6 сен 2024
- Fear of money running out leads to fear of retirement I don't want to retire, we explain the fears of retirement that they don't tell you. The honest truth about retirement the good the bad and the downright ugly. As a retired couple we have gone through the fears of retirement and the uncertainty of retiring from the work force.
Before your retirement your mind will play games with you, what if etc The reality is retirement isn't as scary as you think it will be. Find your passion live on your own rules and enjoy what you have earned.
Tina and Norm are shocked at things they don't tell you about retirement and try and dispel the fears of retirement. Your pension money is more than enough for a comfortable retirement you do not need a million dollars to retire, you need a positive outlook on life. These are going to be the best years of your life because you are free from employers, free from being a consumer just do it retire when the opportunity comes.
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I keep thinking of my father. For his generation, retiring early really wasn’t something people considered seriously. He worked until he was 65 and he and Mom, who also retired from the bank at 65 (they were only a few months apart in age), sold the family house, bought a condo and a new car, and traveled to England, a life-long dream. But within a few years, his health began to fail. He died at 78, but truly he only had 6 or 7 good years after retiring. He also didn’t know what to do with his time. He’d never really developed any hobbies during his working life.
I learned two things watching my parents: first, don’t wait until you’re old before seeing the world (I didn’t!); and secondly, retire as early as you can.
My older brother retired at 58 and has done lots of fun things. I’m very glad he did because now (68) he has IPF (idiopathic pulmonary fibrosis) and can’t do too much. He’s in line to get a lung transplant but that will only extend his life by a few years (several if he’s lucky) and in truth he could die at any moment.
I retired at 60 (I’m now 63). I spend my mornings grocery shopping or reading books over cups of coffee in my favourite cafes while in the afternoon I volunteer at the SPCA walking and caring for the dogs.
One of my former colleagues keeps urging me to come back and teach part-time. But that’s looking backwards. I’m focused on the future.
Thanks Doug for sharing your story, our parents did have to work until retirement, the shame today is that government’s are increasing the retirement age to get the old age pension. This is only shortening retirement for many people. We love your phrase “I’m focused on the future”, we couldn’t agree more!
@CANADIAN UKRANIAN Thanks so much Doug for sharing your story have a lovely week Cheers 🍷🌺🍺
What a wonderful message.
I live on way less monthly income now than when I was still working but I am cooking healthy meals at home and spending way less on groceries and eating than when I was working. I make greek yogurt in the Instant Pot and every day I make at least one huge vegetable soup which only takes ten minutes. I enjoy having meals by the window and looking out at nature and counting my blessings that I was able to retire at 60.
I walk a minimum of 5 km a day and if I want to stop somewhere for a cup of tea I remind myself how little I miss the stress of work and all those years I shoved breakfast, lunch, and supper down my throat to get back to work quickly. How little did I know that enjoying eating slowly is almost the secret of life.
So even if a person is alone, try setting the table for dinner and enjoy every bit of good food. Sometimes I lit a candle. Sometimes a special tablecloth. Sometimes homemade blueberry ice cream. Once in a blue moon, I'll have a glass of red wine.
Tonight menu? Slow roasted chicken!
We, retirees, know how to treat ourselves.
My best to you, Norm and Tina.
Bravo.
Great secret to life David eating slowly and actually enjoying what you have cooked delicious 😋 being retired allows you more time to do this and have the treats in life Cheers 🍷🌸🍺
@@ThisIsOurRetirement Thank you for responding! Cheers.
Your welcome 🙂
Beautiful, a life well lived.
Reading books and taking bike rides is what i like in my retirement.
Sounds wonderful enjoy Paul have a nice weekend Cheers 🍷🌸🍺
One aspect of retirement that shocked me was how few friends that I have left in my life. Between everyone being busy working full-time, raising a family, keeping a house, caring for elderly parents, there was very little time for nurturing friendships. Now that the senior centers and community centers are back open, I plan to seek out activities that I enjoy and hopefully will make new friends.
That sounds like a great plan Ann, we wish you all the best have a wonderful weekend Cheers 🍷🌸🙂
Good on you, Ann!
I met several new friends by going to French classes, so I am all for taking up hobbies where you meet other people.
Two more work days til I jump. Can’t wrap my head around it even now. But your wise words affected me months ago: “do NOT wait too long”. I’ve been told by family and professional advisers that I have enough money. I’m stepping forward with faith, gratitude, and much invigorating excitement. Thank you for your thoughtful genuine insightful honesty. I join your ranks on March 29.
Onward to my next adventure! Thank God I have the opportunity. 🙏🏻
You got this! absolutely wonderful we wish you all the best Eileen 3 days to go 🥳🥂enjoy your weekend Cheers 🍷🌸🙂
Same for me!! Come on Tuesday!! Congrats to you on your retirement!
@@tobyo99 all the best to you!! 🎉🎉🎉
@@cricket6410 thank you!!
You're doing the right thing, Eileen! May you have many happy years ahead. Life is worth savouring.
So agree with you both. My husband waited to retire until he was in his mid seventies and I retired at 65. Now my health is not as good and he is slowing down and find it difficult to do what we wanted to do like travel. Excellent advice.
2 shocking things I found out in retirement:
#1 You don't need nearly as much money as you think you do.
#2 You don't have nearly the amount of time during the day as you think you do... How did I ever have time to work?
Agree Illinois
Very good points Keith.
Agree, the same here.
Great comment Keith 👏 ,it’s a huge myth you need so much money 💰 to retire the big shame is it stops people from enjoying a well earned retirement especially when all the government pension money comes in . Have a wonderful weekend Cheers 🍷🌻🍺
🙂
I could of kept watching that video if it was 30 minutes long. Personally, this is the biggest reason I watch retirement videos is to gain the knowledge that you guys share every week. Great points on keeping busy and having purpose. It doesn't matter how wealthy you are, if you don't have a purpose, it's already over.
Wow, thank you! well said Mark glad you enjoyed it have a great weekend Cheers 🍷🙂🍺
I love these videos too and find them very educational. My husband and I live in the states and I am certain we haven’t saved enough. I don’t like my job but can’t imagine surviving without it. I love hearing your perspective on the subject. Thanks so much for sharing!!
Thanks for watching Sue don’t let the fear take over especially if you don’t like your job have a great weekend Cheers 🍷🇺🇸🍺🇨🇦
Love your videos. We live in Thailand, came out to Malaysia for a few weeks this week. In your experience, is winter in Algarve warm enough for a winter getaway from Canada.
@@shivachari Yes it is , not hugely hot but pleasantly warm 16-20°during the day need a jacket in the evening Cheers 🍷🌻🍺
Took my FIRST winter vacation this winter in my entire 65 year life. Left Winter peg on December 16th at 4:30 in afternoon and -20C in a 36' RV and a little car in tow. Just returned to Yuma from 7 weeks in Baja Mexico. Haven't worn pants or socks in 2 months now. Missed a horrible winter in Canada and enjoyed EVERY moment. Live to LIVE, not to EXIST...
Sounds like you had a great time Jim , we have booked a trip to Alabama and hope to be in Portugal 🇵🇹 over Winter 🥶 Cheers 🍷🇵🇹🇨🇦🍺
It would have felt like a BRAND NEW WORLD! Enjoy it all out there!
We retired early and still budget and plan spending. Yes, always careful to be sure there is enough to last a lifetime. Restarted my crocheting and love feeding my squirrels and birds.
Sounds great Lyn we are so glad we took early retirement too , having a wonderful time Cheers 🍷🌸🙂
You guys are right on about spending in retirement. Things like international travel are for young retirees. Especially if you develop a chronic condition later in life. Book those trips early and do them while you can! I've had a kidney transplant and it more or less frees you up for travel, at least for a few months at a time. However, transplants have a "shelf life" and I have to be prepared for failure and going on dialysis. No sense in waiting for that to happen, so we plan to travel right away.
Thanks for sharing we wish you well and all the best with your health in the future 🌺
This probably sounds incredibly nerdy but my retirement hobby/passion is doing tax returns for lower income families and individuals on a volunteer basis through a volunteer program supported by CRA. It runs year round because as it turns out, not everyone files on time.
Not nerdy at all what a wonderful hobby/passion that as well helps others very commendable Norman , have a wonderful weekend Cheers 🍺🙂🍷
Thank god for people like you helping others is very rewarding.
I don't think that sounds nerdy at all. You are doing a very needed service especially for those with limited income. Thank you for volunteering and showing compassion and kindness.
ITs a very good cause and I am proud of you for what you are doing. It keeps you mentally sharp, make new friends on the way and have a sense of satisfaction in contributing to the society. By the way i filed my 2020 return in Sep of 2021. I am expecting a large refund and till date I haven't received my refund. The where's My refund page doesn't help and seems to have no record to trace. I do have an acknowledgement from IRS of e-filing. Can't get to a live person and going to try Tax Advocacy group and even that is hard to get a hold of. I believe they have something called 911 form under Tax advocacy group and going to fill out and see what help comes out of it.
That's a really good hobby. Really good use of your skills
I've been retired since August 2020 and I couldn't be happier. My husband retired in April 2021. What we enjoy is waking up and not knowing what the day will bring. It's exciting and you are so right about spending. We end up with extra money at the end of every month. It gives us freedom to do what we want. Don't be afraid of retirement.
That is awesome! glad you are both enjoying your retirement, we love waking up to fresh coffee already set to come on automatically, not having the stress and being responsible to a boss.Cheers Sandi 🍷🌸🍺
It's amazing how many of these things I have seen since I have been off work in my own life.
You have to live it to believe it lol
As usual, your advice is spot on. My "passion" in retirement has been instructing senior's exercise and fall-prevention classes in my rural community (and online during covid times). I wanted something I could do near my home, and I decided to enroll in the "Zoomers-on-the-Go" training program offered by Fitness New Brunswick/University of New Brunswick/Horizon Health Network for volunteer instructors (part of an ongoing fall prevention study). Believe me, this took me WAY, WAY outside my comfort zone - I was a nervous wreck before teaching my first class. But I am absolutely loving it! I teach two in-person classes at our local Lion's Club, and one online class to seniors province-wide, every week. My students seem to enjoy the classes (well, they keep coming back), and I get the added bonus that I am also exercising those three hours a week. This is not something I ever imagined I would be doing in retirement, but here I am.
That’s awesome Debra thanks for sharing your story we think it’s wonderful that you have done something outside your comfort zone, have a wonderful weekend Cheers 🍷🌸🍺
Die With Zero by Bill Perkins is an excellent book that I read recently that talks about how common it is to deny living your best life because you focussed on saving. Sage advice!
Great comment Wilma thanks for sharing Cheers 🍷🌸🍺
Or better yet, being researching how to maintain good health. At 75 I remain pain and meds free. Continue to climb 8 flights to my apt. It's work, but very doable.
Sounds great Elizabeth that exercise is keeping you healthy have a wonderful week Cheers 🍷🌸🍺
I’ve worked for 40+ years as a geriatrician - and now I am one ( geriatric)! As I sit here one quarter year away from retirement, all of your points resonate with me! I find it’s one thing to intellectually KNOW these challenges & quite another to live them! Sometimes I nearly panic about running out of $ despite social security, two pensions and sizable savings!! We’ll see how I do; it’s quite a new trick!
Thanks for watching we wish you all the best for a happy retirement sounds like you will do just fine , have a great weekend Cheers 🍷🐣🐰🌻
I have tapped into a lot of Meet Up groups online lately and am having a ball meeting new people and acquiring knowledge about new things.
Since both my spouse and I were used to donating a portion of what we earned from our jobs before we retired, we now find we can still meet our obligations to those charities with recurring donations AND have money left over to throw into savings each month. That is what amazed me the most!😀🌞 Your advice in this as well as previous episodes about not putting off retirement is sage advice, for sure.
That’s great Richard that you are using Meet Up groups, Norm used to be in a photo one. We are pleased that things are working out for you and your spouse financially and congratulations on being a charitable donors. 😀😀
We found it hard to spend as well at first. It’s kind of hard to change your mindset. My parents who are now in their upper 80s still will not withdraw any more than their minimum requirement because they are afraid of running out of money. We started our RUclips channel so that we would be sure to get out & about and do stuff!
That’s great guys really positive thinking in starting your RUclips
to keep you busy but it also documents your retirement isn’t it wonderful. Always a pleasure to hear from you both enjoy your weekend Cheers 🍷🇺🇸🇨🇦🍺🌸
I'm 65, and I am going to retire in June of this year. I was thinking of just working part-time because that's what I've always done since I've been 14 years old, but now I believe that would be out of fear, as you suggested! Your video is enlightening and helping me think about getting used to not working and enjoying full retirement! I will continue to watch your videos and continue to think about the insights you bring up. I appreciate you and hope you have a great weekend!
That is awesome! you are right Deano it’s probably fear 🤔, Tina thought like that before she stopped working at 65 you’ve earned it to cut the tie and enjoy your retirement Cheers 🍷🌸🍺
I am 70, widowed and have no children. For 15 years to the present, I worked four days a week with full benefits (free medical insurance, 8 weeks of vacation, 12 holidays, matched retirement contribution) at a job that I truly love. Years ago, I began taking the month of December off work and it gave me an idea of what retirement might be like for me as a single woman. It might be deemed fear by others, but I keep working because December and working from home for some months during the lockdown showed me that even with all my hobbies and interests, working outside the home was more stimulating. Volunteering was nice, but not the same. I enjoy and appreciate your videos and I have recommended them to friends and family.
You will know when it’s time
@@jandmvideos9051 |
This whole retirement thing, it’s a idea that really takes some getting used to. Over 60, but not yet 65, able to keep working, but not really sure if we want to or need to. Slowing down gradually is the approach we are attempting. My wife still works 3 days per week, and we are transitioning from a livestock farm to a crop farm. Don’t want to break the ties with our careers, so we have chosen to just do less initially. You make one very good point in this video. And that is we all only get one opportunity at retirement, and how long and pleasurable it will be is totally unknown at the beginning. And as you have pointed out, the first years you are at your best physically, why waste those years working if you won’t need to? My wife and I watch your videos together each week. and enjoy them very much. Thank you for sharing your experience, thoughts and wisdom.
There are lots of ways to retire Bruce slowing down gradually or Jump straight in 😱 like we did LOL 😂 Before Covid we had 5 years travelling everywhere together with wonderful memories so we don’t regret one bit the way we did it .We are glad you are both enjoying our videos have a wonderful weekend Cheers 🍷🌸🍺
We got involved with Honor Flight locally, first as an event volunteer. We developed a passion for the mission. Now we are on the Board. Even when we eventually step down, we can still volunteer. It costs us nothing, we do not fundraise but hours served count more than money in this organization. We affect individual lives. We encourage you to find your passion in retirement.
Wonderful Lorena and thank you for making a difference in this world. Thanks for watching and have a great weekend.
What great tips! I thought I wanted to travel but discovered I like sleeping in my own bed too much and hate being constipated. (Which happens when I travel) I did discover that I am addicted to remodeling whether it be my house or my body. I have no trouble spending. Next up is a knee replacement, then later a boob lift and reduction, then I want to add on to the house to get my office on the main, and have a dreamy master suite. I would rather be soaking in a tub than slaving over a stove any day! The coolest thing about retirement is to hold a mirror up to oneself and discover ones own truth.
Travelling is great but so is going home 🏡 to your own bed which is wonderful , when you hold you that mirror 🪞 guess you see we are all getting older LOL 😂😂Cheers 🇨🇦☕️🇺🇸
Three months out from retirement. Terrified. Constant thoughts of money, savings, not spending. Just like you said. Your comments are encouraging.
Thanks for watching Mat , we know it might sound hard but try to relax the fear is worse than the actual retirement, we are loving every minute of being retired and hope you do too , no longer having to conform to a boss, you are just responsible for yourself and it’s great Cheers 🍷🌸🍺
Whatever you do don't get on that OMY (one more year) train. Every one of those you do you're giving up the best year you have left because it's all downhill from here on out.
I am the same! And I just moved to a nice seaside town but the house is a money pit!!
My neighbor's antique clock stopped working and it took me six weeks but I got it working again. I was recovering from surgery and could not carry on with my usual active retirement hobbies of tennis, fishing and pickleball. My neighbor knew I needed something challenging to focus on.
Great job Steve!
I agree 100% that finding a new passion is so critical! As I was retiring, I started a RUclips channel about my lifelong passion for Great Britain. ❤️🇬🇧 Not only did it completely fill up my days with learning and filming and editing, but it also brought me a community of dear friends all over the world. 💕 That has been such a blessing!
Well said! starting a RUclips channel is a great way to fill your retirement hope you are having a wonderful weekend Cheers 🍷🇺🇸🇨🇦🌸🍺
I am 67 (HOW did this happen?) and I love animals so in my semi-retirement I am a professional mid-day dog walker Monday to Friday for about two to three hours per day. It keeps me fit and I have really great dogs to walk. Due to gas prices, I stay within a three-mile radius of my home and I attempt to be home by 2PM daily, I usually begin at 10 AM. Here in the USA one must consider rising drug costs and medical care, so I do not want to use my savings just yet. I am single now with no second income from a partner to rely on so I cannot assume the money will just roll in to cover all my expenses. I am still adding small amounts to my savings. You are correct in that many expenses are no longer relevant such as dress clothing for an office, lunches, etc. I also love that my work is much less stressful than when I worked in nursing and medicine, and that I have free time as well. I hope to do part-time work like this until I am 72, then I will begin to draw down my savings--no pension here. I do get social security which is a great help.
Thanks for the video!
Thanks Jennifer for sharing your thoughts, being a dog walker must be satisfying on so many levels, for you the animals and the owners peace of mind. We wish you well and you seem to have a plan which is fantastic. Have a nice day.
Yes, "The Hands of Time." A lovely and poignant phrase. Another gem from Tina and Norm.
Thanks so much glad you enjoyed it Cheers 🍷🙂🍺
Honestly l think there's two types of people. Those who have worked hard and have been discipline to save and invest for their future and those who their entire lives spent more than they made and never thought of tomorrow. If you want a dignified retirement and not entirely rely on government support you need to be responsible and save and invest.
It sure makes for a more enjoyable retirement Shari if you have saved some money , then the government pension just comes as a lovely benefit, Cheers 🍷🌸🍺
Your point of leaving it to long is true, I'm a nurse at 67yr of age but feel to guilty to leave. Nurses are in short supply post covid. Thanks for the reminder that I may not have a long time to enjoy my health.
It must be difficult in your position as a vocational caring profession, but at some point you need to start thinking of putting yourself first as difficult as it might seem. We wish you luck for your decision and thanks for helping people in need.
I highly recommend people not to wait to have a passion. Start looking 2 years before you retire. It will be really eye opening. Plus if you need to invest a bit of money into your passion, at least you can afford it while your working. I am 2 years 3 months away, been at my job since the age of 17 and will retire at 55. I will definitely need to find a passion. Thanks for the video. Again you provide food for thought.
That’s a great comment being prepared is very helpful in things going well have a wonderful weekend Cheers 🍷🌸🍺
Another good one! I was working on "our budget" yesterday, still living in constant fear of running out, despite everyone assuring us there is enough $$$. Filling the time is easy enough since we are both active. Hopefully the fear and guilt of not working will pass soon! Thanks for a great video!!
Hi Elsa It is normal to have these fears about finance but early on in your retirement you will find it is unfounded. Thanks so watching.
We retired and found out quickly that we are in the category of "I don't know how I found time to even go to work." We are so busy and our "To Do" lists don't seem to be getting any shorter! Our overall health will probably shorten the lists sadly. Just not enough time left. Thank you for your videos!
We find the same too! Thanks for watching we appreciate it. Have a nice weekend.
No one teaches us how to retire, your videos are very helpful to think through the pros and challenges, thank you.
Glad you like them Robbie Cheers 🍺
Thanks again. Another thought-provoking late-Saturday morning offering. Norm often comes up with a line that sticks with me for some time afterwards. This time it was in the delayed retirement segment: "Retirement is only going to last so long. That's the brutal truth !"
Glad you enjoyed it Steve , Norm does have some great sayings that we hope will help others make decisions for their retirement enjoy your weekend Cheers 🍷🌸🍺
Yes, Norm speaks the way people used to speak…simply and without perfume and flowers. The advice and instruction don’t have to be separated from any fluff.
@@deanpapadopoulos3314 Thanks Dean Cheers 🍺
Such wise words. And it made me smile becaause it fit me to a T. We worried after retirement, continued to be in saving mode. It took a while but we finally learned to treat ourselves once in a while. Wonderful as always to see you two...please continue with your great comments and wonderful charming personalities
Great to hear from you Jo, happy Saturday! It is a problem spending money, for us travel helped lol Thanks for your kind words they are greatly appreciated.
Being single with no debts is a bonus, but presently I don't possess a passion. Probably travel. I have been a good saver with a decent pension so I really do need to change my present mentality. Thanks for the warning ⚠️.
You have the secret to a good retirement in being debt free, maybe think about keeping fit and active as a starting point while looking for a passion. Have a nice weekend.
The clock of life is wound but once and no man has the power.... To know just when the hands will stop at late or early hour....Now is the only time you own so live ,love and toil with will.......... Never, ever put your faith in time for the clock can soon fall still..........I bet that cheered you all up!
Thanks for sharing that hope you have a wonderful week Cheers 🍷🌺🙂
I totally agree. We spent the 10 years before retiring paying off all debt and beefing up our retirement saving account. We are now retired with no debt, no house payment, no mandatory deductions from income for (USA) social security/medicare and lower income taxes so our expenses are less than half of what they were when we were working. Our pensions cover all our expenses and allow for several trips a year. My goal is to spend every dime of the pension but use the savings account for one-time costs that will no doubt come up when we move to a condo.
Great comment thanks for sharing have a wonderful weekend Cheers 🍷🇺🇸🇨🇦🍺
I do at least one job a day around the house like painting then l do gardening, research areas, walks, cycling.
Great plan Mike practical and relaxing stuff, have a wonderful weekend Cheers 🍷🙂🍺
I agree saving becomes a way of life .. I’m just changing my mind set . Still being frugal but what I save spend it wisely on treats
Nothing wrong with being frugal (responsible), we are too but treating yourself is rewarding too. Thanks so much for watching and have a great weekend.
I’m retiring at the end of May from public school. My retirement will go to pay our health insurance. I’m 59 and my husband is going to be 62 soon. Our savings is in our farm. My husband still works. I’m not sure how we will make ends meet, but I have faith and I KNOW, beyond a shadow of a doubt, it is time.
I love watching your videos because I want to be prepared, and learning from experienced others is best.
We both wish you all the best for your retirement 🥳🥂big part of retirement is just knowing when to do it . We took early retirement at 58 and 60 and never looked back have a lovely weekend Cheers 🍷🌸🙂
Newly retired, I hear and feel this often. Happy to know I’m not alone. Thanks for the reminder.
Congrats Murray 🥳🥂welcome to retirement a great new chapter in life hope you have a wonderful weekend Cheers 🍷🙂🍺
Thanks again Tina and Norm for some sound advice. Plan is to retire at age 60 which is in 4 years. My husband and I are starting to think of how retirement will be for us. You both have seem to embrace retirement with a zest for life which is wonderful. Have a great weekend. 🥂
Hi Cathy those 4 years will fly by , we are so glad we took early retirement at 58 and 60 have a wonderful weekend Cheers 🍷🌸🍺
Excellent thoughts as always. I retired at age 56 best thing I did, the most pertinent comment you made was about spending and moving from saving mode... till next week...
It is a hard transition we found it hard at first we are better now , have a wonderful weekend Cheers 🍷🌻🍺
Great advice to focus on the reality of life after work. Fear of retirement is where I'm at and watching you two each week has been very educational. Thank you! 🌼
Thanks so much Joyce we feel the key to loosing the fear of change is to plan. Thanks for your kind words 🌺🌻
@@ThisIsOurRetirement Thanks! I have so many years of service that my income will be the same. Working my way out of the fear. I appreciate your channel.
We hope you manage to find a way soon , the fear of it is worse than doing it ,once you then do it we wondered what were we scared about 🤔🌻
Joyce...it's so amazing! I retired in 2019 and never looked back. In 2021 I realized my home was an albatross sucking my life and my money away. I decluttered and minimalized and moved to an apartment and I have concentrated on travel and my health...lost weight, I exercise more and I'm having a blast! You can do it!
Fear is the enemy of freedom.
One thing i learned from reading ramit sethis book was, we are always thought how to save money but nobody ever teaches us how to spend money
Isn’t that the truth Rory , it’s hard getting used to spend when we are used to saving . Have a great weekend Cheers 🍷🌸🍺
I retired 1.5 years ago and I'm finally realizing that "I can make it". This video nailed it, thanks.
That’s awesome Gregory glad you are enjoying your retirement Cheers 🍷🌺🙂
In the US, the govt keeps saying that our social security payments which we have paid into thru our payroll taxes will run out 2035, if predictions are correct, it maybe sooner. Many people, most who have retired rely on this money, and the thought of it going away is very upsetting.
This is a very hot topic that no one wants to take on, because of the political ramifications of it, but something has to be done sooner, rather than later. That in itself plays a big part of the 'fear of spending' for Americans facing or in retirement.
Ms. B. Churchill
They are saying it has enough to pay until 2037 and then cash flow from taxes collected could be enough to pay 76% of the benefit or they may reduce the benefit and increase payroll taxes by 2% but this needs addressing! Thanks for sharing your concern with us.
You are right. I am 82 and have more money then I did when I retired at age 62.
Yet we never thought this would happen, good to hear from others who have found the same, thank you.
Hello Tina and Norm. I love your common-sense retirement counsel. As a US citizen, what surprised me about retirement was my tax burden. The 22% tax rate on my passive income came as an unwelcome bill. Maybe in one of your future talks, you might speak to the tax burden of retirement? The taxes paid upon withdrawals from retirement accounts and the taxes on "regular" accounts can be substantial. My retirement nest egg isn't entirely mine to live on. It has to pay the IRS and be enough for me to live on.
Thanks for the suggestion no one likes paying taxes💰 but in reality guess we all pay them Cheers 🍷🌸🍺
US CITIZENS ... being tax savvy is essential. Not to evade which is illegal; but to efficiently pay the least possible. Research and pay a tax pro if necessary to understand and plan. Be aware it is not just FED & STATE tax at stake. Medicare premiums and Part D drug coverage premiums are income based. Don't assume and budget for the lowest tier; your IRA withdrawals and RMDs and sale of your house and or business equipment etc can and will trigger consequences. JUST SAYING ANOTHER SHOCKING FACT THEY DON'T TELL YOU IN RETIREMENT ... or they kind of do but one thinks surely they don't mean me!
Agree with you 100% that there is no escaping from Taxes. With regard to 401K withdrawals in the form of RMDs or personal needs and IRS wanting to Tax, I agree to some extent that it can be Taxed because they were pre tax savings. However, the tax rate on 401K / IRA withdrawals could be subsidized in the form of free deductions up to some $, and tax on amounts beyond. Also Taxing the Soc Sec income is totally non sense and unacceptable because it was NOT pre-tax. When people save under 401K they become a less of a liability on the system and they should be rewarded with Tax incentives. Hard to change laws as you know.
@@ThisIsOurRetirement Some people in countries where society has more functional social security systems actually like to pay taxes as they understand what they get for their money.
@@emc6511 Totally agreed! This vlog is more for non-US citizens. That's why I said no to many IT consultants who wanted me to go back to work - even part-time. Our RMDs are killing us. On top of that, if one of the spouse passes away first, then the widow/widower will be taxed as a SINGLE - the so-called Widow/Widower Trap. Should have purchased equities , which have better tax treatment (capital tax at lower tax rate) instead of investing in 401k.
However, they rightly pointed out FEAR of SPENDING. Hard to overcome the psychological hurdles or old habits. People joke that we're saving for our grandkids.
Thank you Tina and Norm! Stay well yourselves. I agree with everything you’ve said here. Your show today also confirms for me my thoughts. It seems that like-mind people actually think very much alike about specific topics. I find that fascinating and a relief…that I’m no way out there thinking my hippy thoughts 😃😃. I would add to the discussion something you both know but that might be useful to your viewers. Like getting in shape for retirement PRIOR to retirement, exploring, developing, and funding a hobby or two PRIOR to retirement is very important. When I realized that traveling is a passion of mine and not just something I did for holidays and that I could it affordably and as often as I wished in retirement, then my wheels started turning on how to retire as soon as possible. As a result, I cut 7 years off of my preconceived idea of a retirement date. Thank you again for celebrating the best chapter in our lives…the last two. Wishing you both a peaceful and fun weekend!! 🎊🎉🎈
Wow great comment Dean and the fact you cut your retirement date by 7 years is awesome 👏 thanks for sharing how you did it . Have a great weekend Cheers 🍷🌸🍺
I’m retired almost 7 years, and you have done a great job distilling my experience as well.
Thanks for watching John have a wonderful weekend Cheers 🍷🙂🍺
Hi Norm and Tina. I’m 59 and retired four years ago. For me, the hardest things about retirement we’re learning how to slow down and to find something to do. For years I had felt like a rat on one of those spinning wheels going round and round. I wanted to get off but didn’t know how. You don’t just stop when you retire but you have a whole lot of time to fill that you never had before. Even after I retired, I still felt like I was spinning aimlessly, without purpose. The two crucial things for me are walking my dog and going to the gym. I walk my dog for at least an hour a day. We know all the neighbours and dog owners in our suburb. We have multiple walking routes and we walk every day irrespective of the weather ( unless it’s really pouring). The other thing is the gym. I go every weekend and sometimes Sunday. Saturday is my rest day. I do a group class every day and focus on strength and flexibility, neither of which are strong points for me but we all need these as we age. I have also found a great group of friends and spirit of comradery at the gym. Shortly before I retired a friend told me her secrets for retirement. She told me: 1. Do something for yourself every day.
2. Do some exercise every day. 3. Do something social every day. These three things have become a way of life for me and I do them every day.
Well Elly you friend gave you wonderful advice do something for yourself every day that is awesome 👏 enjoy your weekend Cheers 🍷🌸🍺
That’s awesome 🌸
This reminds me of the four things I try to achieve each day
- something practical eg home maintenance
- something mental eg reading
- something physical eg walk, swim etc
- something social eg even a phone call qualifies
I don’t hit all four everyday but I feel so much better when I do
This is a beautiful post.
Hey Tina and Norm!! Great video today on things they don't tell you in retirement. It's so true what you said Norm -- everyone equates retirement to having enough money or saving enough money. We have heard that before when you retire you have to start spending the money you saved, and it's often a weird adjustment for people LOLOL!! The big kicker is enjoying your retirement enough before health issues and age creep up on you and it's definitely quite the conundrum of life since we don't know our expiration date! It's funny you think later in life that you'll need so much money, but like Tina said you have all the stuff you need by that point in life. Great video and love you guys to the moon! 💖🥰🌛
Good morning ☕️Bears and Butters hope you are both well , it is a strange transition going from saving to spending . The thing is people often worry that they will fun out of money 💰 if they live till they are 90 , but as we don’t have a crystal ball 🔮 lots of people don’t get to even 60 (Tinas brother passed at 52) or ever to retire so you need to find a happy balance and not be in constant fear for what might not appear or happen. We are counting down the days to opening up the trailer 🙂have a wonderful week Cheers 🍷🇺🇸🇨🇦🌸🍺
I am looking to retire in about 7 years but am already in high planning gear. I am trying to arrange things so that I will have the same amount of money coming in then as I do now (working full time) because I just can’t see where my expenses will drop with the end of my work. I spend very little on work-related things - most of my money goes to my house/utilities/groceries. I wonder where my surprise will be!
Heather your surprise might me that when your pension money 💰 comes in you might be getting way more LOL 😂 than when you are working . Also the Stress disappears which is wonderful Cheers 🍷🌸🙂
My husband's forst wife died in her early 40's. He knows that planning too far ahead or thinking that "one day we will do....!" isn't always there for everyone. He plans for now. So we spend, we travel when possible and we do have a nest egg we aren't afraid to use when needed. Life isn't all about work and earning money. It's about enjoying the possibilities presented and sometimes creating them yourself. Good advice again from you two. I know of a retired couple who are determined their children will inherit their mortgage free home. They are still saving. Still chasing the bargains and living frugally. Nothing wrong with that- if that is what makes you happy. I'd hate to be that child thinking my parents denied themselves a stress free retirement because of me, Have a wonderful weekend. Can't be long before you open up and air that trailer I'm thinking. 💃 🍷 🤩 😎 🇳🇿 🙋♀️ 🇳🇱
Good morning Anita ☕️ thanks for sharing your story yes you are right we don’t have a crystal ball 🔮 to know what the future will bring so moral of the story is enjoy life today and treat yourself and don’t feel you need to leave your well earned money 💰 to others . Happy English Mother’s Day Cheers 🍷🌺🍺☕️🌍
@@ThisIsOurRetirement indeed. Mother’s Day here second Sunday in May but I’ll save the greeting for then. 💝😎😎😎😎😎😎😎😎😎🌞🌞🌞🌷😂😂😎
Yes it’s then in Canada too 🍷🌸🍷🌸
Retire early if possible, stay off ladders and away from long flights of stairs as you age out...and if you want an incentive to transition quickly into retirement , go visit any major hospital's main entrance or medical office building and watch as patients come and go.. your health can be a very precarious thing. One day you're right as rain then the next day you are in a tube getting an MRI or CT scan. Like a broken watch , time is not guaranteed.
That’s so much for your comment Mark it is so true we hope you are having a great weekend Cheers 🍷🌸🍺
Great advice thanks, I’m my late 30’s and starting think ahead and finding these vlogs are really useful
Glad you like them! have a wonderful Easter weekend Cheers 🐰🌻🐣
Tina and Norm, I cannot understand how you two have been able to read my mind! You talked about all of the things that have been worrying me. I do love my job, and I do not want to work until I don 't love it. I'd rather retire on a "high," and have wonderful memories of what I feel has been a job well done. I am looking forward to my retirement soon, in great measure due to your videos which have taught me so much and, through your guidance and warmth, have helped me self-reflect. Keep them coming! Thank you!
Thanks so much Nancy , Tina felt like that till she quit and has not looked back since we took early retirement you have earned it so it’s time to do things for you a new chapter in your life . Have a great weekend Cheers 🍷🌸🍺
I completely agree. Its very hard to spend money because you don't want to run out. Huge adjustment.
It definitely is a big transition we are still learning Cheers 🌺😎🥂
Best episode yet! It gave me lots to think about as retirement age approaches.
Thanks so much Dan, we appreciate your feedback.
Hi Norm and Tina! This was a good video, with some good common sense. I remember when I first retired, was out to dinner one night with a couple of friends and it occurred to me I was no longer getting a paycheck. I very quietly had a real anxiety attack in that restaurant! Now here I am 6 years later, and to be completely honest my retirement portfolio has grown quite a bit. I'm not a traveler like you two, but I do want to spend more. Oh and I did take up a couple hobbies to keep me from watching TV all day, and I have a pretty successful blog. Anyway thank you again for the great video, love seeing you guys! 🙂♥️♥️👍
Thanks for an interesting comment Douglas , hope you are enjoying a great weekend Cheers 🍷🙂🍺
You hit the nail on the head! I have worked so very hard to make ends meet for most of my life and worked at saving that to put the car in reverse and start spending money and not focusing on economizing feels so odd. We are in a good place due to being fiscally conservative and doing well with our real estate. Making strides in spending on things that bring us joy.
We agree Joan it definitely is a transition but as you go through it you can then relax spend and enjoy have a great week Cheers 🍷🌸🍺
It's hard getting people out of that Great Depression mindset. I know people who worry all the time about money even though they have more than enough. Always saving for some inchoate future they won't know until they see it which means never.
Very interesting true comment Alan thanks for sharing have a wonderful weekend Cheers 🍷🌸🍺
Amen!! So many of my co-workers could have retired years ago. Many have a lot of cash on hand, but spend nothing.. All they do is go to work and when they're not working, they're watching sports on the television.. Seems very depressing to me, but I guess everyone is different. I have literally traveled to 38 countries and yet I yearn to see more before I kick the bucket..
Guess Comrade we are all different, we agree that’s not what what we want there are lots of places we want to see 🌍 before we give up . Have a great weekend Cheers 🍷🌸🍺
I retire in 5 weeks- and enjoy learning from your experiences- thanks
Thanks for watching Richard and congrats 🥳 on your soon to be retirement 🥂have a wonderful weekend Cheers 🍺🙂🍷
Useful listening to this... following you is always a pleasure... you're so sweet guy&gal 🙏🌸
Thank you so much 😊 Cheers Therese 🍷🌸🍺
Good points you make. I started work at the sawmill at 15 and am still farming about to turn 74; but a lot of men kick the bucket
a year or two after they retire. So to stay alive some of us keep hobbling along working. (have to admit though, it would be nice to retire, but am too old in the joints to travel; have had the biscuit now ). Good subject matter though. Thanks!
Thanks for watching , there are many other things you can do that are not travelling. Others Golf ⛳️, Garden 🪴, Swim 🏊♀️, Walk Volunteer or do Charity work, please don’t think it’s never too late to put your self first Cheers 🍷🌸🍺
Just looking at my own personal situation this video was very valuable for me. There are so few resources from a personal practical standpoint regarding retirement that you do a great service for those of us nearing or in retirement, thank you for being so open and sharing your wisdom and experience, you have helped me a great deal.
Glad it was helpful!
What a delightful weekly gift you are to us. We look forward with smiles to your opinions, ideas and lifestyle. A simple, factual and peaceful outlook. We have much more than needed to live well. Nevertheless we share the same level of happiness and joy as you do. Money is a tool nothing more. Cheers
Wow, thank you! Your kind comment is so encouraging to us.
My husband and I were debt free and saved for retirement. We had big dreams of traveling and enjoying ourselves. Six months after my husband retired he was diagnosed with ALS. He lived for six years with me retiring early to be his full time caregiver. He passed away 2 months ago today. Now I have good retirement accounts but no one to travel or enjoy this time with. Now I am trying to make sense and find some purpose in my life.
We are so sorry for your loss Bonnie, no words can help describe how you must be feeling .We have had some curveballs in our life also and it is hard to move forward at times.Perhaps talking to family or friends or your local church could help we wish you all the best 🌺🙂
Very good advice I am looking at retiring in 4 years and believe me there is a lot out there to know about what to expect when you make that new beginning and having people like you give advise really helps. Glad I found your channel.
Thanks so much for your kind words.
Perhaps it is how work is defined. I believe financial independence is the goal. At this point, if your passion happens to make you money, then fantastic! If it is voluntary, then you are independent to be able to do that as well.
Well said! as long as you can find a passion life will be good Cheers 🍷🌸🍺
I really enjoy your channel.
I recently turned 50 and I am retiring in 2 years. But I would rather use the word pivot. I still plan on being productive and I want to try new passions in my new chapter. I definitely have to make an intentional choice to wind down my current career and be mindful and intentional about my next chapter. You words are inspiring. keep up the great content!! I never miss a video.
We did something similar starting a second stage of working from home with no pressure, we wish you well.
I retired at 49 that was 20 years ago Have not been bored 1 day. In my lifetime I have already acquired everything I have I don't need to buy anything really other than the basic.
Sounds like a great retirement John Cheers 🍷🌸🍺
Hi Tina & Norm hope you are having a good weekend i watch all your video twice and always pick up more great info keep the good work up .
Regards Christopher Barker
Thanks Christopher we are pleased you enjoy our videos, it’s a frosty morning with bright sunshine today. Have a nice weekend too.
Thanks for sharing your experience. Retirement is only 6 months away for me. I've got a nice savings built up for me and my spouse, but I still have worries around it lasting. Recently created a spreadsheet to try and capture our monthly expenses, and there's still quiet a few; utilities, cars (gas, licensing, maintenance), property taxes, food (rising costs!), insurance for house and cars, entertainment, etc. Debating now whether or not to take the big cut in Canada Pension payments by taking them early (60) or waiting to take then at 65 and eating into my savings more until that time. Decisions, decisions.
There are a lot of decisions to be made coming in to retirement, might be an idea to talk to a financial advisor, also doing a spreadsheet and budget is a great idea we think that should help you a lot , thanks for watching have a great week Cheers 🍷🌻🍺
Everything you said is true for me. I retired 6 months ago, and once the money started coming in and my expenses were lowered (due to not having any need or desire to purchase or commute), I winded up saving at the end of each month. It's a good thing cause hubby needs dental implants and a cochlear implant.
Thanks for sharing your story we are sure your husband will appreciate your savings🦷 💰Cheers 🍷🌸🍺
Very sensible advice. Many thanks for the video. We all probably have an idea about when we will retire but sometimes it happens much earlier than we expect. I suspect Covid has pushed some older people out of the labour market into early retirement. I think you have to embrace this. It is time for the next generation to take over.
Thanks for watching Stephen have a wonderful weekend Cheers 🍷🌸🍺
And I love your advice about going ahead and retiring. I have 15 months and 5 days until retirement. Makes me a bit nervous to turn my back on a good salary, but I have plenty to fill my time.
Tina felt like that Kate but having gone through quitting, taking early retirement it’s wonderful. Norm and I jumped straight into travel for 5 years before Covid it was wonderful such great memories, if you can do it before 15 months we would say do it none of us has a crystal ball 🔮 Cheers 🍷🌻
Retire now when you can enjoy it. My friend retired last year just before turning 67, 6 months later she was diagnosed with pancreatic cancer. Hopefully, she will survive a while longer but never really will get to enjoy her retirement.
@@buffycat4641 Very sad 😢 thanks for sharing 🌺
My hubby will be 65 next month. I will be next Jan. We own a business & it's much harder to retire because you have to first SELL the business. The money from the sale IS our retirement. We are SO ready. Thanks for all your tips, I definitely agree you need to find a new passion. By the way, you two were apparently cracking up laughing about something that didnt make the final edit 😄 That was as entertaining to watch as the video. We wanna see the outtakes! LOL
Wishing you well Candy with the sale of your business so you can retire , we do often have fun making the videos LOL 😂enjoy your weekend Cheers 🍷🇺🇸🍺🇨🇦
Very good insight and information for those of us coming up on retirement. In our budget we are allocating at least 20K above our base household expenses for yearly travel and then work within that. We are on track for retiring a few years before 60. Like you have said, if you work just 1 more year, etc. you will never get to enjoy retirement. As for hobbies and having things to do, plenty of those already on my plate. I will be able to put more time into the things I love doing and hanging with people that right now we only get to see once a month or less.
Sounds great Bob we did the same we allocated 25K for travel above monthly expenses, in our first 5 years it worked a dream till Covid stopped us .Tina was 58 Norm was 60 and we don’t regret it one bit Cheers 🍷🌸🍺
Hello to all! Gas went as high as $2.28 a litre here on Vancouver Island.I t always was higher price to get it to the island.I am feeding a thirsty truck and fortunately dont need to drive every day.Bicycling is a little awkward with so many logging trucks on the narrow road.We usually find something to spend on!!! CHEERS!!!
Yikes 😱Darryl, we are at $1.70 ⛽️in Ontario good job we don’t drive very far LOL 😂 have a wonderful weekend Cheers 🍷🇨🇦🙂🍺
Another great video. You are absolutely right about spending money. After staying home for almost 2 years, we decided to visit Canada. We were at the AAA office this morning planning our vacation this year and we are going to visit Montreal, Quebec City and Ottawa, plus staying in 2 other touristic places in USA. I'm smiling because we are staying at 5 star hotels in all 3 Canadian cities. A co-worker who was 50 years old, just passed away, unexpectedly, and it wasn't Covid-19. It was a shock for all of us. This virus and the war in Ukraine (potential nuclear war?) has taught us that life is unpredictable and can be very short. A month ago, we met with our financial planner/advisor and he showed us the amount of money we'd have when we are 98 and 95 years old, even having a down market on several years. We were surprised to see that much money at that old age. You are right, time to spend money. I can't see myself traveling around the world at an old age. I currently have several hobbys (learning via Zoom with teachers from other countries). Keep posting these great videos, they validate a lot of the things that we are planning to do! Next year England and Scotland!
That’s wonderful Oscar we are all starting to get back to travelling 🌍 your trip sounds wonderful, we have just booked our first trip a month to Alabama in November 🙂Sometimes when you hear of friends or colleagues passing away it can really bring reality home . Life is very unknown as we don’t have a crystal ball 🔮 so live life for today and enjoy. Cheers 🍷🌸🍺
Hi both good video
Take care have a good weekend
It’s Mother’s Day here in the uk tomorrow so I’m busy preparing for Mother’s Day with my daughter and grandson xx❤️❤️
Hi Paula, Mothers Day used to be difficult for us in Canada because it’s so much later here, that we couldn’t buy Mothers Day cards to send to our Mothers in England. Sounds like you are having a nice family time..Happy Mothers Day to you for tomorrow💕🌺
Yes I thought it might be on a different day Tina
Thank you so much
See you next Saturday xx❤️❤️
The biggest fear is a market crash and how that will affect one's portfolio. The concern here is that we are in some kind of asset bubble following extremely loose monetary policy adopted by central banks around the world for the last 2 decades and that is going to come to a painful adjustment ahead as inflation and rates rise.
Yes we are living in strange times have a great week Cheers 🍷🌻🙂
I’m 61 and a high school teacher set to retire at the end of this coming summer and I can’t wait. I have no idea if I have enough money saved but I’m retiring anyway. If I have to work at something part time later on, so be it. I want out now. I have so many other things I want to do with my time.
That is awesome! great decision Lori you have made we wish you a great retirement, we are so busy don’t know how we managed to go to work LOL😂😂enjoy your weekend Cheers 🍷🌻🍺
I hope you consider turning your RUclips Channel into a podcast. I love how you share and it is built for a podcast!
That's a great idea! But we don’t know how to do that 😂😂
Thanks again! That is such a monumental shift in thinking!!! Appreciate you sharing your wisdom. We see too little of this these days. Thanks 🙏
You are very kind thank you! 🙏🙏
This was another enjoyable and informative vlog. Norm, thanks for reminding me of the well known phrase "time and tide wait for no man". As long as you have prepared yourself financially for retirement and are in reasonably good health, don't be afraid to have new hobbies and adventures. Wishing both of you a very pleasant and rewarding week. 👍🤗❤🙏🌎
Thanks so much John , glad you enjoyed it have a great week Cheers 🍷🌸🍺
i WAS NAIVED. i LIVE IN THE US and have Medicare. I "thought" the payment of Medicare came from the government. I did not realize we had to PASY for it ourselves. I also did not know that the cost for Medicare would be going up each year. This is the third increase in our Medicare insurance plan, and we now pay $150.;00 a month times 2. I also did not realize that we would be in ill health and not be able to have our "golden retirement" that we expected to have.
Love your videos! Me and my wife are 5 years away from retirement. Your videos give us a lot to think about as we prepare for our retirement adventure.
That’s great Derek, so good you and your wife are aware and planning for retirement, should make the transition seemless and less scary.
“That’s the brutal truth”, I love that phrase, Norm!! 😀
Norm and Tina, is there a specific exercise routine you do on a daily, weekly basis to keep in shape? By any chance, would you be able to do a video of you both enjoying some kind of sport or activity that you practice to keep in shape?
Thanks and have a great weekend! 😊🌸 🍷
Sam 🌷
We will think about that Sam , we do go for walks together and when the pool is open (been closed for repairs ) Tina swims 🏊♀️ nearly every day and we do love happy hour at 4.00 LOL 😂have a wonderful weekend Cheers 🍷🌸🍺
Thank you, Nice video. I just retired Jan 1 2022. I like you advice and will take to heart.
Congrats 🥳 on your retirement Kurt enjoy the new chapter in your life thanks for watching Cheers 🍷🌸🍺
I think some people stay working for the social interaction. It’s like their family and usually they are single. I’ve heard some people don’t want to be home with their spouse. Great tips as usual from you two 👍have a great week from small town USA 🇺🇸
Very true! we have heard that , but if you don’t want to be home with your spouse perhaps 🤔 there is a bigger problem. When you retire you need a find a way to get new social interactions just takes a little time. Have a great weekend Cinde Cheers 🍷🇺🇸🇨🇦🍺
My husband doesn’t have any kind of account t through his work for retirement. We need to save big time for our old age. Everything possible needs to go into savings. I can see ourselves not spending for fear of running out because all we will have is our savings. It’s scary
Certainly saving for retirement is important and maybe you will get an old age pension from the government.
Great topic…I was a saver all my life and as a single person was always on my own financially speaking. I have also been a traveler so when I retired 11 years ago, I still didn’t spend a lot on “stuff.”
I have though always taken one or two nice vacations a year…that all ended in 2020, with the Covid pandemic. I moved to a mountain home in 2020, and instead of travel have spent my money of renovations, but hope to hit the road again later this year. I do have to admit though, I still save money every month like a squirrel saves nuts.
We agree the last 2 years have been hard not being able to travel , we have really missed it and we know lots of people have struggled mentally with all the lockdown restrictions. We hope you have a wonderful weekend Cheers 🍷🌸🍺
Norm and Tina, I'm at work. Watching now. Illinois gal
That’s great hope you have a wonderful weekend Suzanne Cheers 🍷🇺🇸🇨🇦🍺