10 Things Happy Retirees Do Well | MOST COST $0
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- Опубликовано: 19 июн 2024
- This video discusses 10 things happy retirees do well. One of the top questions we see on Holy Schmidt is how to have a happy retirement. Everywhere you turn, people have successful retirement tips that range from useful to downright silly. This video culls down those lists into 10 retirement recommendations that are researched, manageable and for the most part, free.
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Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Retirement becomes truly fulfilling when you possess two essential elements: simple financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement. My question now is how to get a good financial advisor that I can invest with and have good returns before retirement age.
Amazing question, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $110k and in the first 2 months, my portfolio was reading $294,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
It’s such a blessing that my husband and I aren’t just married, but we’re also each other’s best strategic partner in business. I’m great at what he lacks, he’s great at what I lack and we have an Adviser to work with. Praise God!! And thank you for the awesome content!!!
The only way I was able to scale through all of this without stress was by working with a financial adviser. My adviser *ROCH DUNGCA-SCHREIBER* has always had my back all through the process of property investment and investing in general. You can glance her name up on the internet and verify her yourself. She has years of financial market experience.!!!!
I have been retired since I was 58. I garden, go fishing and kayaking. I go camping a lot. I use my vacations to visit my kids and grandchildren. I also go to the gym at least three days a week. I love to can and preserve my garden harvest. I don’t have very much money, but I live a full life.
That Ma'am sounds like a happy person to me
excellent. Water, woods, nature, exercise outdoors. All provide full time hobbies on the cheap. enjoy
Your life is fuller then you think
I semi retired at 57, no longer sweat sales quotas and only work with people I want to. I will admit I LOVE IT, but do worry if I have enough $$$$ even though every model I use shows I do. I guess it depends on the mind set.
I'm trying hard to get my house and one loan paid off so I can semi retire at 60. God willing!
Adapt to a lifestyle, be thrifty, set a budget, save money, and make investments to live within your means. I benefited from this as a six-figure income. With this strategy, my retirement savings have increased by almost $1 million.
I use to be like this when I was younger, now I'm way better with money. I'm just not impressed with a lot of material items anymore. Having a budget and having patience is something I had to practice overtime.
Pls Zachary how do I go about this? I want to try all my options
Adapt!
Very simple and easy.
Thank you. Just what I needed to watch.
My wife and I are directors of our farm business and own property, plus small pensions. I am nearly 55, my wife is 52.
We have started to save to retire from the farm, and possibly live on rental income, I'd really appreciate you go LIVE and talk about how to earn passive income online and retire comfortably, let’s say $1M.
you should consider financial planning.
It isn’t about how much you save, it’s about how you manage your money. Whether you work to earn income or invest, it still boils down to income vs expenses, so yeah you may look into financial advisors for a strategy that suits your timing.
@@jessicasquire I totally agree, I'm 60 and newly retired with about 1.2 million outside retirement funds, no debt, and very small dollars in retirement funds compared to my portfolio balance over the past 3 years till date. tbh, the role of the investment advisor can only be overlooked, not denied. just have to do your research in finding a reputable one.
@@patrickbrussels4454 that's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well.
@@Erikkurilla01 My specialist is *STEPHANIE KOPP MEEKS* I found her on a CNBC interview where she was highlighted and contacted her a while later. She has since give passage and leave focuses on the protections I center around. You can turn her upward on the web assuming you care oversight. I fundamentally follow her exchange design and haven't lamented doing as such.
My parents retired early (53) and the process of continuing to pay was definitely something they did. I guess my sister and I both had young families so it was kind of natural for them to want to help out. It ended up being an almost formal handover process at a 40 wedding anniversary party my sister and arranged for them at a restaurant. The bill came and my father reached for his wallet. We collectively asked him what he thought he was doing, and said in fact why don’t we switch this whole process here and now, they had done enough. We never let them pay again, although they did still spoil their grandkids!
You are wonderful children!
Ah..Moochers.....I had a friend whom once told me he needed to borrow money, not for himself, but for heat in the house for the children. he didnt need it for a few weeks. Then I found out about a job, serving coffee, and cleaning up after a party. I called him back with the exciting news, that he could earn the money by working 3 hours one sunday, and if him and his wife did it, they would have double what they needed. His response is still burned in my memory "you want me to serve coffee?". Apparently, he didnt need the money anymore.
Lol. see it all the time.
He missed out on a good deal. I serve coffee/food at the free meal site. It's so gratifying. It's like being at a great dinner party. Feels so good to help out!
@@HolySchmidt Thank you Mr Schmidt for all your insight and Helpful Videos....👍👌🤩
I believe somewhere in the Bible is "Neither a borrower or lender be"
I hit a real tough spot back in 2017 and a very good friend of mine offered a loan. I was afraid I could not pay him back but I'd work for it. He found a lot of big projects that were weighing on him. we worked together for a good price.
Found my way to a healthy existence and looking forward to a comfortable retirement in two years.
The good friend?
Still a good friend, and we barter skills.
Just roofed his barn last summer, he's doing an extensive surface water plan for me.
The only person that doesn’t make me feel like a total loser in retirement for lack of having a million dollars 💸
Thank you
You are too kind. Thank you Deborah.
@ Deborah Lynn You don't have to have exactly 1 mi. A good financial advisor will invest it and create growth (per se an investment in an annuity) beside stocks and bonds. You're not a loser, more knowledge with an advisor will help. And get a good CPA. I've been retired for 4 years. Retirement life teaches you that you don't need as much as in work life. The difference is having a good financial advisor and a good CPA.
80% of Americans have less than 5,000K in savings. If you need a million to be a winner the vast majority of us would be losers. We’re not.
We quit picking up the tab for one group (family) that we frequently dine out with, they order appetizers and double order entrees
(so they have meal for later time) plus they always have a pretty hefty bar bill, we’re more conservative no thanks,
lol
One thing I would recommend is if you want to travel, do it early in retirement before age and health concerns confine you to home.
I travel twice a year on 14-21 day trips. It breaks my heart to see elder people in the spots I go that are physically unable to enjoy the sightseeing or activity available. Travel when your health permits enjoying the area. It makes no sense to work long into your years then retire and be unhealthy.
Health is the number one priority in retirement.
There are some very sound and useful tips here. I do have one comment about the "organization" section. There seems to be a big anti-stuff movement, and I totally agree with not cluttering your life and buying many useless things. However, I think this concept should have a stipulation in that this is not a smart move for everyone. My wife and I have worked high tech jobs, but lived in rural settings. When you garden, keep livestock, etc - there are many items which find a use at some time or another. Also a true statement for anyone into fixing things, woodworking, crafting, etc. It would be hard to calculate the value over the course of my life of keeping pieces of wood, hardware, etc but the $ value is very significant. When our careers ran out of steam in our mid 50s we were able to transition to retirement pretty easily and, in no small way, our ability to be resourceful/handy is a huge part of our financial security. Of course, if playing golf and living in a bungalow is your thing, by all means streamline. Just saying there are potentially different paths when it comes to "stuff" for some.
One of the most satisfying actions is to volunteer, preferably at a non profit organization. You are usually cherished by the people who run the organization.
Yes! Before I retired from a nonprofit 😁 we looked forward to the days volunteers came in. If you don’t feel valued, find another agency where you are.
I work at a nonprofit. very satisfying.
Why a non profit preferably? One can volunteer to assist elderly neighbors.
We decided cable wasn't worth it or a priority, and we have a very good library system that we are paying significant property taxes to support, so we use it to the max. They have a fair selection of videos that we can put on hold and they notify us when they are ready to pick up, as well as current books and literature. A simple antenna brings in the local stations and more. We haven't had cable for over ten years now and don't miss it at all.
We dropped cable TV, beefed up our internet bandwidth, and use Roku free stuff, in addition to your same library idea. Saves us a ton of money every month
Yeah. It's been a decade or so since I've seen a cable bill, too. It's fabulous!
I dropped cable TV in August 2021. After 3 days I did not miss it at all. One of my better decisions.
I use retail therapy to keep my spirits up. But exclusively thrift stores. At one thrift store in Colorado I bought $500 worth of jackets (2 ski, 1 denim) for a total of $13. HOO-YA.
Nice compromise!
ARC on Bway?!
I like to thrift little things once in a while and flip them on eBay. It's not a full time thing, but fun if I find a treasure.
I do too. I spend a max of $5….
My wife loves thrift stores too, but it conflicts with the idea of getting rid of junk :)
It really helps if you and your spouse/partner share the same or at least most of the same values.
Very true
We hold the same value system, but have different interests and are ok with doing those things with others or alone. That adds to the daily conversations as well.
With vacations - do slow travel. Don’t spend two weeks in expensive hotels in Paris, but rent a Airbnb apartment in an outlying village for 2 months, and do things slow, with spending close to your usual costs, then move onto the next country. Try East Europe rather than West, or try Asia.
Exactly my plan when we retire.
Does anyone have a suggestion of a good place to do that in Italy?
@@BH-en3tg - most Italian cities are surrounded by smaller villages. Florence has several. The trick is to find one with a good train connection and charming enough to enjoy your off days.
#11 is one you forgot. And that is to keep watching your channel!
Agreed, these are great and no nonsense
You are too kind!!
@@HolySchmidt No, when in fact you are TOO GOOD! Keep up the great work...we appreciate it and you!
When someone says thing about what I have that they don’t I simply say, “yes, it’s such a blessing.”
These are great. I would make one caveat. As a roofing contractor I would add that it’s great to get several quotes however always make sure you are using a reputable company. We end up doing a lot of clean up from people going on the cheap. We often see people putting down payments for repairs or materials and the contractors run off. Also many contractors will do the work and not be back if there is a problem. You may have to pay a little more for quality work done right.
Agreed! Get three quotes from three reputable companies.
I have one friend with very little money, so I used to fall into paying for her part. I don't mind doing that occasionally, but now, mostly I ask her to do no-cost things like go to a state park.
That is a great solution.
Hello Janet , This is your friend with very little money. I’m using this nice gentleman’s you tube account since I can’t afford one. Thanks for telling everyone I’m a low life user.
@@stevenpaul5540 is it ok if I use the account too? I’ll be careful. Lol
I've been retired 20 years.I'm 69. I've been around the world 4 times and I'm never bored. I had my 30 years in and ran from my job. I know I'm lucky and I don't squander any of my time.
"Maybe we shouldn't buy that..." I love that quote! I have found that even though I love eating out, buying presents, and doing things that cost money for my grand-kids, that it is just as much fun to take them to the library and park, and then go home and cook a meal. They are also finding how wonderful it is to go shopping in a thrift store, because they find things even they can afford, and I am way less tense! Life is good! Also, most banks will notarize those papers for free if you fill them out as needed, and will witness those papers for free too.
I took my granddaughter to a thrift store and told her when we buy things it helps people buy food and clothes. She was so excited when she found a $2 stuffy.
I totally agree with your comment about the benefits of exercise. It keeps us boomers and seniors young and saves money on medical bills.
Hi i have been retired two years,i cant exercise due to surgery back in 2015 but im a great believer in movement just to keep all my joints flexible.
The vacation home thing is crazy.
We have a home in Mexico we also rent out.
We’ve learned not to tell people about it.
Lol. Then how do you rent it?
@@kathyradford7187 she means they don’t tell friends and family who would want to stay for free. They tell a potentially paying clientele maybe through ABNB or VRBO.
@@sw6118 oh, yeah, of course. Stupid of me...lol
I’ve had that happen. Very uncomfortable.
I retired at 62,and am alone . I have made it clear to people that I’m not that giving anymore. If I am,cherish it. I also don’t feel the need to help people,beyond being there for them. I’ve never seen anyone i know starve,for I have heard endless crying over bills. As I sit here reusing my tea bag. I’m not miserly ,I’m just old,learning to be content with less.
Your advice is GOLDEN, and something I have been following most of my adult life. Great content.
This top ten list should be bronzed and put on display. Excellent summary of leverage, pinch points and what really matters. Thank you!
We recently bought a small beach home in SC. As we are retired, we have a lot of time to spend there. I made a calendar up for ourselves and put OUR dates for use on it first. Then if our family or friends ask if they can use it, I can see if it is convenient for us first. Sounds somewhat stingy; however, we are the ones who saved over the years in order to afford it so we should get first pick. Then we can decide whether to allow someone else to use it without saying yes to a request when we really want to say no.
Smart. Very smart…
I would charge family members a small fee to use your beach house .... After all at retirement you are on a fixed budget.
Dell may I be your friend and can you tell me if there is any availability for your property in September? I am willing to pay btw.
@@tonycasker5184 I’m not allowed to rent it except through the HOA which takes a cut.
Unless you are very well off, would suggest charging f&f modest per day fee for maid/cleaning and utilities. IE, hard costs- not profit to you. If they don't like that, you know everything you need to know. Why should you subsidize their vacation expenses? You're already saving them on lodging when you allow their use.
Great advice for preparing to retire. I especially appreciate the psychological aspects mentioned.
Some of these things are simple, but yet essential. I've done many of them before retirement. The key themes here are preparedness and simplification of one's life during the golden years. Thank you.
Very good information, whether you are getting close to retirement or not. Hearing these specific life issues helps you to focus on them and gets you to really think about how each impacts your life.
Try to have the tools and equipment that allow your hobbies paid for before you retire. Have guns and boats , fishing gear, golfing equipment ready to go. Then you just have to maintain the small expenses
Good advice
I really like how you address the "Professional Moochers" problem toward the end of your video. Over the years I've seen them hurt quite a few really nice people whether they are retired or not. THANKS!
can't stop watching this video, because of what I have gone through in life and my current life situation. Becoming rich depends on your determination.
At last...a video that lives up to it's name. Very good practical advice. Half of what I started doing about 6 months ago. I'm semi-retired and not sure when I will retire completely, but likely in the next 1-2 years. I'm a little scared to quit because I can't go back if I get bored. Been working only 24 hours a week on average now, and not sure if I need more time off. But something tells me that I will enjoy it.
Thanks so so much for your honesty....Despite most families being honorable, there are those that are not. Thank you for all you do. I am listening!!!!
Very very well said. I’m 6 years off retirement and am starting to prepare now. Thank you.
Simple, to the point.. good information. Thanks for sharing 😊
What simple and sensible advice. Thank you.
I think one piece of advice most retirees don't get is to downsize (unless money is no object). Downsizing cuts every related cost - heating & cooling costs go down, homeowners insurance goes down, maintenance inside & outside costs go down, property taxes, etc....That frees up money to invest or vacation with. I think a video needs to be done on this. Most people these days are not wealthy and need to downsize after the kids have flown the coop.
My neighbor moved 10 minutes away from a 2 story to a ranch house and said that very thing. He just retired this year and keeps telling me to do the same thing. Definitely going to look into it!
I am 66 and recently downsized from a 3 bedroom home to a 2 bedroom condo. One of my best decisions. Not only was I able to pay cash for my new home from the equity of my old home and eliminate the expense of a mortgage; I am saving a big chunk of money each month on utilities, maintenance and property taxes, even with the HOA fees. I also gained some nice amenities, like a swimming pool and jacuzzi. Though I seem to be very busy everyday, not having to worry about all the house maintenance, my days seem a lot less stressful and I have more time to devote to my grandkids and a few other interests. Upkeep has been greatly simplified. Getting rid of about 75% of my ‘stuff’ has also felt very freeing. I highly recommend downsizing as we approach retirement years.
Downsizing was the normal way here in NZ to free up cash and be mortage free for many here , however the housing crisis has forced up prices of everything to such an extent this route is no longer possible here for many unless they perhaps shift to whole new towns miles away fro families it is a real problem.
Professional moochers -- I love it!! Right on the nose. Thanks for this video. As usual, it contains a wealth of good information.
This was a great video to stimulate my thoughts. Thank you so much.
By far this is the best investing and retireing channel
I retired at 60, mainly so I can spend more time with my grandson.
You only get one shot at it! Enjoy!
Good advise for everyone, not just retirees.
Excellent! Thank you.
Thank you - Another very good set of advice
Thank you so much for your calming style. 🙏 I listen to your videos as iam cooking, or sipping my tea. Thank you for what you do.😉
Successful retirement means ditch your financial advisor as they always screw you. Index funds win the financial game
Not so, there are some winners out there. Josh Jalinski gave me two FREE one hour consultations that saved me hundreds of thousands. Then he told me I don't have enough money to warrant being a client of his. Josh Scandlen has hundreds of free YT videos and his books and financial course are reasonable. If you want to become a client he pro rates it by your wealth. Both these guys are as honest as the day is long. And if you have all your money in index funds have fun in the next bear market.
Index, healthcare, bonds, money market. Spread it around.
@@uncareid5557 The market goes up 90% of the time. Sure there will be corrections and bear markets but it pays to just stay in. The market tanked hard when Covid hit March of 2020, since then it has doubled. I have a one IRA that is 100% in a S&P 500 index fund, it has more than tripled in the last 8 years without any additional contributions and the fee is only .15%
I trade stocks for a living, been trading and investing for 25 years, I've been thru all the big corrections and still I was able to retired at age 47. I think the biggest obstacle for people when it comes to the stock market and investing is they don't feel they can do so they never try.
You are correct on the moochers.
Old and young people.
Great explanations.. I like the way you break it down to the most important aspect 🙏
Thanks for the kind words!
Thank you. I learned a lot from this video.
you really do a good job Jeff!
Great advice, as usual! I'm saving this one to make notes off of later. Thank you, Sir Schmidt!
Thanks Steve. I appreciate the kind words. Have a great 4th!
Start living it now...not later!😊
I've watched a lot of videos on retirement, and I really appreciate you not "dumbing down" the message. You're kind of a hard ass (but so am I). I'm trying to top off the the 401k, but one time expenses are killing us. New water pipes $15k, new car (wife totaled the last one) $10k. Cracked windshield $500, another cracked windshield $500. Utilities through the roof, so let's get solar $$$$. It's got me concerned once the day of my retirement hits.
Thank you very much for the information I appreciate it.
Thank you that was great I agree with all 10.
You may consider adding number 11 and that would be: Pay yourself first.
This concept goes beyond managing your finances well it's a life habit that once learned should never be forgotten.
Many people follow this rule/habit to get to a successful retirement... but it is important to keep it on the front burner after you cross the finish line and enter retirement.
Thank you again
.
Agree
Great points, thanks for all your efforts.
Thank you!
Great advice! Thank you!!
Good advice. We have been retired for 7 years now and practice the majority of your suggestions. I must say that we are enjoying our retirement and are very happy. Thank you for your guidance.
Thanks Donald for your thoughts.
Really good advice. Thank you :D
I set my price of what I’m going to purchase large I give the dealer what I will pay and if he doesn’t want to make the deal I always tell him that somebody will want my money and I walk away and 90% of the time the will follow finically changing the price to closer to what I have offered and I hold fast to what I offered and never get into a rush time is on your side not theirs because inventory cost them money the long they hold on to the product..
Great information and presenting of. New subscriber! Thanks
Bought an iphone months ago and keep it shut off in my purse. I will learn to use it--thanks for the nudge. Your videos are great!
Great advice!!! I am retiring in 2 years, and I love this video. It will help a ton!!!!!! Holy shidmit!!!
Thank you! Great advice!
I'm not sure if it's specific to my area of the country right now (Northeast US) but trying to get multiple quotes on work around the home (electrical, gutters) is just about a full-time job in itself. I even called those gutter companies that normally hound you! Best I could do was 2 quotes, am very happy with the choice I made. I am about 2 years from retirement and enjoy your channel, thanks for the content.
Thanks for the kinds words. A lot more to come!
But if you need a car warranty on a 15 year old car.....they call you 3 times a day. lol
I had the same problem. nobody calls back. Crazy
Retirement to me means not working a full time job. I tried full retirement and about lost my mind. Maybe someday but no way now. It’s a mental thing with me. Great video!
We enjoy gardening in our community garden, seasonal birding, walking our dog, photography, spending time with our granddaughter, houseplants, reading, cooking and managing our health. In SW Michigan a Living Trust costs $2,500 or more.
I’m in the UK ,and the advise still holds , all very good , although the best advise would be live in a 2000 world with a 60,s attitude . Keep it simple .
Great tips. Thank you.
Some of these suggestions are also great for young professionals and will lead to happiness throughout one’s life not just in retirement!
Was “happy” to realize I was doing 9 out of 10 suggestions already. I have been loving your videos as they pertain to my retirement which began in 2020. Thank you.
Thanks for the kind words
Love it!
Great job!
Enjoyed this, thanks, very thought provoking
Thank Michael! Enjoy the long weekend!
@@HolySchmidt Especially the part about paying things I shouldn't pay I need to get better at that
Hope you have a good weekend as well
I subscribed yesterday. I like your stuff. Thanks
Thank you Michael!
Learned alot. Thank you.
Thank you for your videos
Great outline 👍
3 interviews before hiring services as well!
Thank you for the great info!
I love these videos you sent out very good points for life
Thank you
Always an enjoyable and thought provoking analysis. In our particular case, I can’t say that we have ever encountered professional moochers. Perhaps we don’t socialize enough! On the other hand I would expand the “exercise” category to include eating habits and alcohol consumption, and clump them into what I’d call lifestyle habits. It seems like an overwhelming percentage of retirees fail miserably in this category from our perspective, and subsequently suffer all sorts of chronic illnesses……
Very advice!
I quit drinking and lost 35 lbs, also quit sugar and carbs. Check out Dr Eric Berg on youtube.
Love your videos Jeff!! Just set my retirement date: 10/31/2026. I’ll be 66 years and 10 months old. Looking forward to it!!
Nice planning! Keep going!
I just retired from the US Navy after nearly 30 years.
I am a Family Physician and will work for the next few years.
I actually just bought my forever home in Florida and I attempt to pay it off sooner. 15-18 years versus my 30 year mortgage. Maybe sooner.
All good advice, Do as many as you can.
Thank you!
Great advice!!
Thanks very much!
Yeah, I don't do moochers very well, to put it bluntly, I've worked hard for what I have. Not against helping people, but they have to be willing to help themselves in the process, if not well so be it.
Good advice.
Wise advice.
Thank you!
The final point of cost sharing is something that should be taught/learned well before actual retirement.
Exercise 2 x per day, socialize in person couple times a week. I do like clothes though. I have devices. We hire my son to do yard work while he is looking for another job. I will work on the clutter during the cold months ie pictures. During Covid did kitchen remodel and redid floors so ended up purging.
Mr. Schmidt probably plans in deeper detail than most, but I just love Google Callender, as I can share it with family, see a history too, and it gives me numerous options for reminders. And all from that phone he mentions.
So funny. This guy is the straight man.
You are correct sir. There are some pretty savy moochers out there...
Great advice. I dream about throwing my phone away. It isnt a net positive. I can see why people would have them. I was happier before cell phones. Live within your means.
Love it... I tie two of your thoughts together. I keep my budget, spending plans in Excel which I can access via my phone or laptop making it easy to look at future cash flows and estimates.
Nicely done!
@@HolySchmidt thanks, I used to purchase the "planners" but I, like the rest of us, am tethered to my phone. For Excel users like us it's a no Brainer for any type of analytics on the fly.
Thumbs up to most of the 10 things. Actioning your point 6 would be to use your phone for point 9. You can search the calendar, have an alarm for calendar events, share it on your computer and it fits in your pocket or purse. Point 10, if you live comfortably, I think paying for an evening is one of the best feelings of giving back to friends and family -- don't be cheap.
Phone (and computers) can work great - until it dies unexpectedly. I was converting to using phone with 'paper' backup when my phone *and* c drive on my computer crashed within 2 weeks of each other! What are the chances? Anyway, glad I had the physical date book backup. "Keepin' it old-school" 😉
I am binging on retirement videos . . GREAT information!!!
We need to learn to use the calendars on our phone. Jus like you said learn to use your phone. Carrying around a calendar is awkward in this day and age. Plus many events can be automatically uploaded in your calendar. Contacts in your phone is also a must.