Retirees: 8 Signs You Are RICHER Than You Think
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- Опубликовано: 26 сен 2024
- This video discusses eight signs a retiree is richer than they think - many of these will surprise you! I've also included two bonus signs at the end.
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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.
Your health is good.... You're richer than you think.
The most important asset.
Amen to that!
You got your priorities right!
My wife and I just crunched some estimated major expenses that will be going away in 4 years. We also have taken into account how much we save. The results were that in 4 years, we can 50% of my gross salary or one of us can take less stressful job and make 50% less.
Alive...you're richer than you think.
Creating wealth entails establishing positive routines, such as consistently setting aside funds at regular intervals for sound investments. Financial management is a vital subject that many avoid, often leading to future regrets.
Indeed, currently I'm managing my finances wisely and being frugal. In the last 19 months, my investments grew by 43%, adding over $650K in profits. However, I've had losses in the past month, making me anxious. I'm unsure whether to sell everything or wait.
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 2024.
My partner’s been considering going the same route, could you share more info please on the advisor that guides you.
'Sharon Ann Meny' is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment
Thanks, i did a quick web search and i found Sharon, i hope she responds to my mail.
My concern is retiring with just close to 400 grand, Not sure it will not sustain my retirement. The more I withdraw, the harder it will become for it to recover through compounding returns
I'm almost ready to retire, and having a financial advisor has been incredibly beneficial. Since I started investing later in life, I couldn't rely solely on compound interest from index funds. I've managed to earn more than some long-term investors. I'll be retiring with at least $3 million.
Your advisor must be excellent. How can I get in touch with them? I'm worried about my retirement portfolio and could really use some guidance
I'm cautious about giving specific recommendations since everyone's situation is different. However, having worked closely with Emily Ava Milligan for 7 years, I can attest to her great service. You might want to see if she meets your criteria
I looked up her name online and found her page. I emailed and made enquiries. Thanks for the help
This man knows the game. Listen if you want to retire.
yes it's very useful I have to do it
We experienced the pinnacle of our era, but it is now gone. Like what happened to Rome, the corrupt administration will bring this nation to an end. My condolences go out to anyone who is close to retiring and may be worried about whether their pension will be enough to pay the rising cost of living. Insane fiscal policy, poor regulatory policy, poor energy policy, and poor foreign policy
50 and early retirement. I'm very worried about the future and where we're all heading, especially in terms of money and how to get by. I'm considering making my first investment in the stock market, but how can I do so given that the market has been in a mess for the majority of the year?
It seems like I used the FIRE movement to manage my finances. Investigate it further by doing some research. With the help of a financial professional, they were then successful when investing in stocks, cryptocurrencies, and real estate.
I recently retired at 62. My accountant is telling me we are going to probably run out of money because of the poor direction. The current administration is leading us in, but too many people are blind to what’s going on in our country I hope and pray that people see the light before it’s too late, not for just me but for everyone in our country, God bless America
Oh please stop!!! The market is high, unemployment is low, we have the best economy in the world right now!! Look at the numbers for any other country.
Thank you, friend! This is a wonderful time for our country, not to say, most of the time has been wonderful for our country and thank goodness or God, whatever you believe we are in the right place at the right time. It doesn’t take a lot of sense to make the right decisions and you will be just fine. I am living proof of that, hallelujah!
1. Debt free ❤❤
2. Low withdrawal rate ❤
3. Multiple resources ❤
4. Have emergency fund❤
5. Don't think much about
money ❤
6. Have inheritance ❤
7. Contribute to charity ❤
8. Have CPA do tax❤
😂😂😂😂😂😂😂😂😂😂
Thank you for sharing this. I'm busy now, and I didn't want to watch the video, but I wanted to know the 8 signs. Thanks again.
No, I’m screwed.
I’m poor lol
Not all of these are correct and you need to add to the list
Pay off mortgage
Most Americans find it hard to retire comfortably amid economy crisis. Some have close to nothing going into retirement. My question is, do I pay off mortgage as a near-retiree, or spread my money in stocks for cashflow? I'd love to afford my lifestyle after retirement?
as most investing-related questions, the answer is relative. I'd suggest you consider financial advisory to be on a safer side
Always have in cash 10% of your net worth.
Some expenses never go away:
1: Property taxes 2. Property insurance 3. Umbrella insurance 4. Auto insurance... it never ends.
Health insurance
Correct: And that 's why recurring revenues that also never end ... become financial security's best friend.
@@wannamontana4130 I agree. Handling and growing finances should be required teaching at schools
So downsize.
And they always go up every year also.
No debt equals FREEDOM.
I think the key to having enough at retirement is to be very moderate in spending any income increases you will have over a working lifetime. Invest at least half of the new money you get, or use the money to pay off debt. And focus expenditures on improving assets, like one's home. Paying off credit cards is a must, or you never catch up. One last thing, learn to do things yourself - rather than pay others. Anyone can learn simple plumbing, home repairs, simple car maintenance, cleaning, cooking, or even mowing their own grass. I see a lot of young people paying for all of these services - and it's a big drain on savings.
Wonderful. Not the topic of this video.
@@chuckm1961Well, yes, it is exactly the topic of this video.
I agree with DIY but as we age we won't be able to do all the DIY we used to -- be ready for that expense
Investing in Roth IRA can be a good choice since they are funded with after tax dollars, your contributions can grow tax-free over time. When you withdraw money from your Roth IRA in retirement, you won’t have to pay tax on it, which will help you keep more of your hard-earned money. Compounding is the process of earning interest on your initial investment, as well as on the interest that investment earns. This means that over time, your investment can grow exponentially. So the earlier you start investing, the more time your investment has to grow through compounding.
Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.
I completely agree; I am 60 years old, recently retired, and have approximately $650k in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglected, not rejected. Just do your due diligence to identify a fiduciary one.
@@maryHenokNftbravo! I appreciate the implementation of ideas and strategies that result to unmeasurable progress, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
My needs are kind of unique and complex. I'll contact her nonetheless, and I hope I'm able to make something out of it.
I always enjoy this type of video. After listening, I realize I am better off than I'd expected.
Yes, don’t forget there are a ton of people in the world whose income depends on you being scared.
@@pamelab7235Yes, he wields a powerful anti-predator weapon on those criminals who prey on the oft-occurring fears of the aging and elderly due to our diminishing cognitive capacities!
The truth is that most of us can afford to be rich or live rich, but not both.
Agree
Happy Father's Day Jeff!
I waited until 70 to take social security. Almost doubled my annual payout
Nicely done
Baby steps - Ramsey
That may or may not be smart, completely depends on one's longevity
Always wonder how to figure royalty income or a pension into net worth. Geoff?
I am not going quite that far, but if working definitely go past FRA, so any income coming in does not decrease your SS check.
"if you are watching this video, you are richer than you think" haha I feel richer already.
Thank you for all you share ,truly. grateful !
My financial advisor has told me that you never use the value of your home to determine your net worth.
That's garbage.
Happy Father's Day Geoff Thanks for taking time to do this Great Video!
My pleasure.
I am doing fairly well for a debt free guy at 74 years of age
It is wild that coin collections appreciate in a predictable fashion. You learn something every time on this podcast.
I just watched your light slowly flashing, on the left side of the screen, and when it flashed 27 times ... you were talking about something?..
I think you had a seizure.
Why is that light flashing? 😅
@@Ev3_6 I actually find it distracting.
I wondered if anyone else noticed that!😂
I guess I’m richer than I thought. Thanks for the insight.
Sure thing.
Awesome video! Happy Father’s Day!
Thanks so much
This is pure gold. Every high school student should watch this. Could you do a video about QCD (Qualified Charitable Deduction) for IRA accounts? Great way to donate RMD's with no tax burden,
Thanks for the comment and idea!
Excellent video Geoff 🇺🇸❤️
THANK YOU JEFF FOR SOME GOOD INFORMATION.
You bet
Someone has zero consumer debt, paid off home, multiple income streams, never worry about money and a net worth higher than when first retired. What does it even mean to say that person is richer than they think? I think they already know.
Take a drink every time he says "Let me explain..."
Too funny
I tried it and now I’m p*ssed lol
You'd be drunk by the end of the video.
I did, I got a light buzz.
You get the picture
My husband invested in annuity’s. 2% interest and fees are horrible. Locked in for 10 years. Stupid
Your hubby need a good financial advisor. Not a 2% annuity. ,, most annuity paid out 6 % interest on the policy
Annuities are horrible...I CANNOT BELIEVE that I was so stupid.,I make 0 interest....I would have been better to hide money under my bed , take a small amount out every month...I did not realize what I was buying,,,annuity terribl
Thank you holy Schmidt.
I'm favoured, $27K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America.
I know this lady you just mentioned. She's really good with and on her job. She's helped a couple of families and individuals' finances
I have heard a lot of wonderful things about Sonia Duke on the news but didn't believe it until now. I'm definitely trying her out
Started with 5,000$ and Withdrew profits
89,000$
I'm glad to write her tay I do hope she will help handle my paycheck properly☺️☺️☺️
Can I start with as low as $1,000?
Another great video, thanks! Also debt free, low withdrawl rate, multiple (small) streams, large emergency fund, safe investments. All thanks to folks like you!
Why is the lamp light going on and off?
Been wondering the same thing 😅
Probably house is haunted.
Pay attention. This is all going to be on the exam!
Excellent video . . . forwarding to my 3 adult children! Thank you!
Useful advice
Thanks Jeff - Im retired and trying to get most of the Morgan silver dollars dates in BU Condition together👍
Excellent choice….
One other aspect of student debt is that education allows mental instead of physical labor or changes the type of physical labor.
The light flashing off and on, waiting for his ship to come in?
lol- good eye. Will disclose in a future video
I want one of those lights!
Charging a device.
I fit almost all of these profiles but I do think about money a lot. I think it keeps you there.
Agreed. NO debt, nice nest egg, rental property income, we drive older cars, I think about money a lot. That’s why I watch Geoff’s videos. Really don’t want for anything, material possessions are a PITA. We’re selling our house and have to do a deep purge and it’s stressful…shouldn’t be. Thanks Geoff!
Thank you Schmidt. Great information.
Kind regards from Denmark.
Great point about a 3 year emergency fund being an investment fund in reality.
Numismatics is fun. 😊
I reviewed last years tax return my new wife had a CPA prepare and he deducted depreciation on her rental based on the full purchase price of the rental (land plus improvements). As far as I know you don't depreciate the land. Seems like a sneaky trick to get her a refund to justify the lofty price he charged her.
Great video. I am fortunate to be in a good situation, though I am not ready to retire. Another six years or so, as I am targeting 65. Thank you for what you do
Lol being child-free is a great financial boost.
Had a friend who was thinking of selling his children lol
Loved this insight into personal finance.
But, what’s up with that light in the background ? ? Is that his signal to pay his debt to the power company ?
What if you have debt, at zero percent, but you’re paying down debt and living on 2 social security checks, and not withdrawing any of your IRAs yet?
You’re doing good. That is my strategy only tape into my inherited traditional IRS if I retire at 60.5 yrs old. Hold onto my SS until 64.5 to 66 yrs old. I wanting to hold off taping into 401k as long as I can. I am hoping to use my home as an AirB&B for passive income 60.5-67 yrs of age. I currently rent out 1-3 rooms. $650-$1800 per month.
I did invest everything I received inheritance. It wasn’t a lot but over 10 yrs it’s doing good. Yo Joe! Keep building America you care about all of us, not just the rich.
@@johnrockenbach7241. Thank you for your reply. That is our goal as well. To go as long as we can before touching our investments. Talking to retired friends they said “what are you waiting for” because my husband is 72 and I’m 63.
But, before we retired I told my husband the only way I’ll be ok with doing it, is if we pay off our credit card debt (at zero percent as I said) as our first priority.
We currently are renting in our new retirement home in Mexico with the plan to sell our home in the U.S. this summer. We might, not sure yet, use that money to pay off our debt and then buy a home with cash in our Mexico town.
And YES, thank you Joe!!!
4 more years!! 💙💙💙💙
No debt but no house either. Haven't had any debt most of my life, only debt I've had was when I had a mortgage and that was only for ten years.
ok. Love the content, but what's up with lamp?
I have issues with treating a paid off house as an asset. Sure you can sell it for a lot of money, but you need someplace to live. Also, you could take out a loan against the value, but how you have another debt. For my conservative strategy I only consider wealth to be something that does not create debt when exchanged for goods and services. Cash, equities, coins, etc.
Thanks Geoff! ❤
You bet
I think the people that should be worried are those of us who are retiring with less than a million. I have only 650k in my Roth and I don't know how to grow it.
@Jeff, first of all, Happy Fathers Day! I wanted to ask if you could sometimes cover what is referred to as a bond ladder. Both inflation protected and not inflation protected. In our case, in our 70s, we have adequate retirement income and six figure stock portfolio. No debt. So we are doing just fine today. My concern is my spouse who is not financially literate. I would like to consider changing from my diversified dividend portfolio averaging 5% to a bond ladder perhaps 20 years. But I get confused about them even when discussing them with the brokerage person. Can you go over them and suggest what to consider please? Thank you much. Robert P.
I'M RETIRED BUT AT THE END OF EACH MONTH i HAVE ENOUGH CASH LEFT TO CREATE A STASH OF GOLD. YES i'M DEBT FREE.
All and all, I like your entire presentation. You speak calmly and pace the information well. So I gave a like subscribed. 👍🏻
TY!
OK. When I was young, I was stupid and made mistakes. I would be the first one to admit that. Then for whatever reason I got smart and I bought good properties and up-and-coming neighborhoods and now I am sitting just fine. Am I anything special? Of course not I’m just a dude That got lucky and made the right decisions at the right time. There’s nothing else I can say……
Thanks Mr S
Of course very American centric
Don't forget that your local authority can, and will, raise property taxes as needs fit
Thumbs up Time !
Thank you!
I check off every one of the items on your list in the affirmative. I have to admit I'm shocked. Trust me, this was not by design but because of dumb luck. Kind of scary when you think about it.
Credit card debt? Great way to ruin your life. If you can't afford a new refrigerator, then why would you think you could afford a new refrigerator and 20% interest? Credit card debt is the mirage of a solution to a lack of savings.
Geoff, I enjoy watching your videos and appreciate that you speak to often overlooked aspects of retirement planning. I completely disagree with you on one point in this video, namely that notion of structuring an inheritance to control its use by beneficiaries. Sure, you can do that if you want. Personally, I think it is evil. If you make a gift, it is a gift. It is not your money any more. If the beneficiary is stupid and squanders the money, so be it. The beneficiary is no worse off than before. I personally know of cases where a parent put money in trust for children. The children then had a disabled child and were not able to access the money in the trust. Pretty horrible, eh? I know another case where parents put money in a trust for children and one of the children immigrated to another country. What a financial mess, eh?I know a third case where grandparents set up a trust for grandchildren. The in-between generation were the trustees. The money way supposed to be distributed at 30-but the trustees were incompetent and somehow came to the belief that the money was not to be distributed to 40. Is this good? You might think, we can structure the trust better, more flexibly. No you can't. You do not know the future and you cannot know how best to use the money. Only the beneficiary can. I would make an exception for young beneficiaries. I set up a testamentary trust for my children with a partial distribution:, one-third at 21, remainder at 25. Otherwise, good job!
I hear you, and of course there will be exceptions, but the most obvious example is giving someone - barely of age - a lot of money. There is a big difference between the legal age and maturity age of many people. I don’t know many people who are financially savvy enough below say age 25, (perhaps even 28) to make huge financial decisions. They just haven’t had the real life experience and this makes them an easy target.
The worst possible outcome is that the recipient doesn’t know the ways of the world and gets taken advantage of, invests in their “new friend’s” surefire business idea and the con is gone.
That happens a lot more than you read about. As far as the trustee, there are reputable professional trustees who do this all the time.
@@HolySchmidt I agree with all your observations. As I wrote, I enjoy your videos.
I disagree with your disagreement about a structured inheritance. If someone sacrifices throughout life to build assets and have a comfortable retirement, leaving it to an heir should continue the legacy and honor the years of sound financial practices that created the wealth. Yes, the future is uncertain, but IMO protecting the funds is like insurance against the uncertainty with icing on top. There would be no money at all, if the benefactor didn't use good judgement. Structuring the distribution continues the good judgement.
@@caseytcat888 Thank you for your comment. I hear you. Your money, your rules. I have no issue with that. Minimally, I argue, that planners and those leaving an inheritance should be open minded and consider the range of options. In regard to all financial plans, I generally favor the least structured and least restricted implementations. The future is uncertain and flexibility in and of itself has great value. From an economic perspective, unrestricted bequests maximize beneficiary happiness.
Great video.
Great video.
I am lucky with $900 in checking and $2000 in savings.
I am set.
Just kidding.
I do give money to family in need.
I ask them to use the money wisely and to date they have (funds only to their children with education).
I appreciate your videos and please let me know if you traveling to Clearwater, FL in the future.
You can stay with me on old Tampa Bay where I recently build a dock in memory of my wife.
My home is 3 years old which I purchased in 2021 as I retired.
Both of us military were on active duty and she died in 2014 and is buried in Arlington National Cemetery with full honors.
Thanks for the invite!
Raise your hand if you want to know where Geoff got that cool lamp in the background? ✋
Why can't an investment fund be an emergency fund. Cash in a high yield account is a good thing.
It's not an investment fund because even the highest yield savings account loses value due to inflation, that's not investing.
@@spankynater4242 It what form do you keep your emergency fund? Cash in a safe, cash in the bank, cash in a high yield account? I have all 3. Safe and H.Y.A. are for far in the future use or high dollar emergency.
@@spankynater4242 The H.Y.A. is the core account of a brokerage account where cash from sales or transfer goes first.
What's the point in retiring unless you can do it in Caligulan splendor?
Yes!!!!😂
A lot of scammers here pretending to have the best financial advisor here.
Standard for any financial channel. Watch for a lot of replies and in the midst of the replies, the name of an investment "pro".
Paid off mortgage 10 years ago;
never had a credit card debt; not retire yet, don’t think we need to withdraw from saving at all,
have pensions now, will take SS later, saving, checking, Roth and regular IRAs, 401k; interest and dividends are about $80k a year;
have several millions liquid investments
DW is a trained tax professional
Think we are slightly below average, not rich at all.
Please let us know what the blinking light on the left side of the video is about. Not sure if it’s motion activated by a pet behind your screen or if it’s Morse code for something. Thanks!
lol. Good eye- I’ll disclose in a future video.
@@HolySchmidt Thank you!
Low withdrawals are the goal but how do you manage RMD’s and the taxes when due? It seems that will accelerate the withdrawals thus defeating or at least reducing the goal amount.
Ok, I have Zillions in IRAs, 47 Quadrillion in Bonds and 14 cents of debt. But the candle thing in the shelf behind you is driving me nuts!!! Off and on... Why????
Thanks!
I think there are some signs of that
Assets attach to debts
I have over $300K in debt but 2/3rds of that is mortgage debt that is being covered by renters. Nobody seems to address that specific kind of debt when I know that the value of those homes is more than 4 times what I owe on them.
That’s a good point. I’ve always thought of debt covered by renters as a business expense on a small business. Different methodology when valuing the assets on a small business.
He covered it in this video, it's called debt.
@@spankynater4242 The IRS calls it a business and I call it an investment with real monthly income, write offs against income and yearly gains on equity that all combine to create roughly 50% return on my yearly debt expense. I can see how someone who blows the same amount of money on a residential palace and two expensive vacation homes would like to think their debt is the same as mine. Although they could claim some theoretical equity gains, with no business documentation to back it up that's just a financially unsophisticated rationalization to make them feel better about their extravagance.
@@spankynater4242 Very unsophisticated response.
Could you please do a video on the amount of income you are limited to earn while taking SS early.
The soc sec website will probably tell you everything you need to know about that.
In 2024, the maximum amount you can earn while younger than full retirement age and still receive full Social Security benefits is $22,320 per year, or $1,860 per month. If you earn more than this amount, the Social Security Administration (SSA) will deduct $1 from your benefit payments for every $2 you earn above the limit.
@@David-sc2ir Thank you
Really, some of you are more worried about the lamp in the background than the info? 🤦🏾♂️ However, he can change up his voice reflection because it is very monotone and can put you to sleep. 😂
It is calm. And that is refreshing and calming.
@@rutasevo3528 Yea, calm you to sleep. 😴 Just needs to liven it up some because he is dropping jewels. I think that’s why a lot of people were focused on the lamp. 🤣
What is the avg. debt?
thank you
I don’t buy it that the average retiree has only 10,000 saved. I mean if it means 10k in the bank then I buy it. Most people have a Roth, 401k, a spouse with a 403b, a military pension or tri mark healthcare for vets. Or, we are not striating between age 25 and age 65.
What he meant was, most people have zero retirement accounts.
@@spankynater4242 not anyone where I live and some people are on public assistance forever so they will not need an official retirement
@@spankynater4242 but those people are probably 25-35 working at a small business
@@Avacadofrommexicoyeah no we are talking retirees. I know plenty of people in their 60s with very little retirement savings. They spent their money going to bars after to working, buy motorcycle to trail ride, etc. All of these are complete throwaways of money. You should only spend this money after you make you deposits into your investment an/or bank accounts.
Thx!
Had to play it 1.25 to 1.5 speed normal was to slow.
Having a 100k in my emergency fund is a goal i am getting close to.
Hi Geoff, do you have a video on spending down in retirement? I get to retire this year, 2024, and I don't know what I'm doing. I am a subscriber. I am not on any social media.
Student load debt was considered ok debt IF, AND ONLY IF, it will allow you to get good paying job. Some of today’s grads are not getting good paying jobs associated with their debt.
Sure the home is a decent asset but I’d be sad if it was larger than my 401k.
Unfortunately for many…
I can live on nothing! But I am lucky to have a sticks and bricks to back me up and no debt.
Geoff, what is up with your lamp flashing on and off?
My husband likes having a mortgage for the tax deduction. So what are the benefits of having no mortgage compared with the tax deduction benefit?
No matter how big the deduction, you are bringing in less money that you are paying out in interest costs.
I see no advantage. We paid ours off in year 11 and it freed up money for investments. Those investments have greatly out earned any loss in interest deduction. And more importantly, the investments are completed controlled by us.
@@JBoy340a peace of mind---priceless.
If I may, I have a question. I am retired, I bought a house to renovate 2 1/2 years ago and it is stll not complete, and I have no clue how much longer it will take. I am looking to sell as is. Do you have any advice on how I would do that? Do I get in touch with a realtor or an appraiser? I have no debt, but this house is an albatross. Thank you
Is there a way to determine the value of a pension when calculating your net worth?
It’s usually the sum of future payments using some sort of discount rate - I assume 5 percent, others may using something slightly higher or lower. For example (and very
roughly) a $100 in 1 year is worth approximately $95 dollars today. In 2 years approximately $90 dollars today and so on.
@@HolySchmidt Pensions don't follow the consumer price index ? I went for early retirement 15 years ago and my pension is now more than my last salary. Last year I got a 12% "pay rise" because we had 12% inflation.
I have been investing in index funds for over 30 years my home is paid off in 2 years all this after divorce and 18 years of child support i can retire comfortable in 5 years with 5 streams of income😂
Student loan debt is, in many instances, the result of a foolish idea. There is nothing wrong with a college education unless you have chosen to get a degree in "gender studies", or, in my era, "art history". My son has a degree in mechanical engineering, my daughter a degree in medical technology. A moderate level of student loan debt was a non-issue for both - it was paid off in a few years. Maybe it's worth considering what your major field of study will be worth before taking the plunge.
Hi, I have coins and want to sell them. Any idea how I can do that?..
What kind of coins exactly? I think I can help with that
I'm 51 and have almost no debt. Including my home we have just under $50k in debt. But not because we paid it all off. I save up to purchase everything. Again including my home. I didn't get anything from my family and have never made more than 70k a year. Stop believing the commercials. You don't need all the crap they say you need.
YEAH! I’M FIRST!!! (Making me richer than I thought I was!). : )
Unfortunately, second 😂
I'll try not to feel sorry for myself, no it's unproductive. I'll go down fighting like my VIKING ancestors! NO DEBT yet, just broke.
Quit drinking Mead?
Are you a priest??❤😮 holy man of the ckith. Just kidding, sir. Keep up the good work. FYI My m ain't goals = Maximize Soc Sec payment,
being debt free by FRA,
Keep physically & mentally Active
Excellent