3 Shocking Retirement Statistics
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- Опубликовано: 29 сен 2024
- 3 shocking, retirement statistics
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This information is only provided as an informational resource and should not be viewed as investment advice or recommendations. To get professional financial advice from a fee-only financial advisor near you, please visit www.napfa.org.
The decisions on how to invest, when to retire, and other financial planning topics are some of the most important financial decisions you will make in your life. I urge you to seek professional financial advice as you make this decision. Ideally, from a financial adviser, AND a CPA AND an attorney. Having the perspective of all three professions will help you make the right decision for you and your family.
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I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for…
If you need advice, consider speaking with a financial advisor. Don't get me wrong, you can do it on your own, but financial advisors have a lot more knowledge and expertise in this area.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst
Could you possibly recommend a CFA you've consulted with?
My CFA ’Melissa Terri Swayne’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thank you for saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
I guess I can call myself a four percenter.
It’s worse than you report. Now of course one example is only anecdotal and not statistically valid but scary nonetheless. And it really caught my attention when I heard it. Some 30 or so years ago I was watching a documentary on Americans’ preparation for retirement. Of the couples interviewed, one particularly study stood out. Both husband and wife were 49 years old. They were $50,000 in debt between them. And they planned to retire at age 50. Huh? I couldn’t imagine how they thought that was possible.
Azul, again, I love your content but please remove the background music! It’s the same piano piece over and over, and it’s too loud, it distracts from your valuable content ❤
Agreed. This nauseating, repetitive tune sounds like a stripped down version of 'I'm only sleeping' by the Beatles.
For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My Husband and I both spent same number of years in the civil service, he invested through a wealth manager and myself through the 401k. We both still earning after our retirement.
This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $760k by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
STEPHINE KOPP MEEKS she is whom i work with look her
I think the retirement crisis will get even worse. A lot of people can’t save because of low paying jobs, inflation, and insane rental rates. And now that home ownership is out of reach for middle class Americans, they won’t have a house to retire with either.
Rising prices have affected my intention of retiring at 62, working part-time, and building my savings. I'm worried about whether individuals who weathered the 2008 financial crisis found it less challenging than my current situation. The stock market's volatility, coupled with a reduced income, is making me anxious about having enough for retirement.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
Mind if I ask you to recommend this particular coach you using their service?
"NATALIE NOEL BURNS " maintains an online presence. Just make a simple search for her name online.
I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
The best thing and the simplest thing you could do is make sure you're investing $500 into your brokerage or retirement account. If you aren't able to, figure out how to come up with some extra cash. Your future self needs it.
Love this! Investing isn't as difficult as many think. It requires diligence, which people often lack. If you are starting out with a big chunk, that's where a financial advisor comes in handy.
Another 2 cents, background music is a little too loud.
My nursing home homies really like it though...
Background music is usually cringe. Why distract the message?
Really annoying. Why is it there?
Background noise adds nothing to video. Please stop it. It's a distraction.
Love your video and the information. Please kill the background music it's not necessary.
Yes, please, cut the sound track. It detracts from the content.
The background music is distracting while you talk
investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good?
Get an account at Vanguard where fees are low and you are a co-owner. Invest in high quality ETFs and Mutual Funds with a diversified portfolio and ride the market whether it goes up or goes down. I'm in ETFs that mirror the whole market; a little heavier on bonds given my age but my investments are for my grandkids since I can live without touching them these days. Buying individual stocks or trying to time the market almost always ends up being a losing strategy. Vanguard has a lot of information and tools to help you figure out what you want to do, to compare different investments, etc... and if you feel lost you can get advice at a fairly low cost.
Could barely hear you over the music.
Hopefully they read comments.
Silly comment.
Background music is distracting
I'll go farther & call it annoying
No music, please. Utterly distracting.
Can u NOT a chew gum and walk! 😂
💯 agree super distracting
@@margaretcook-ellis4941 I enjoy the music, it’s very relaxing.
Like music... but we are use to none in your videos... and we liked it that way!!
At least turn down the volume. The music and talk are similar volumes.
Evidently, people don’t like the background music. Thanks for all you do, Azul! Appreciate the info.
Azul please ditch the music
Love your content Azul. No music needed.
Cash - Asset. Background music - liability 😂 feel like im sitting in a wheelchair at a nursing home 😂
Agree about the music. I find it distracting also. Your content is great though!
There is potential for considerable wealth increase with the correct strategy. I want to know; How can one take advantage of compound interest and potentially grow your retirement savings/net-worth to about $3M over time?
An effective strategy serves as a cornerstone in an investor's portfolio. As the level of risk increases, so does the potential for reward, making it essential to seek advice from experienced professionals for making sound decisions.
Precise asset allocation is crucial, with some employing hedging strategies or allocating to defensive assets for market downturns. Expert guidance is vital for success. This approach has kept me financially secure for over five years, yielding almost $1 million in investment returns.
Please go back to basic simple videos where you're talking to the audience like a big brother. The music and over editing and extra productions are unnecessary
Azul , one of best financial RUclipsrs now imho.
But , please drop the music.
Thank you.
80% of all Americans, NOT 80% of all Americans who are retired or are getting ready to retire. My adult children in their 20s don't have $100K saved for retirement. What is the percentage of people who are retired or within 5 years of retirement? That's the statistic that is more crucial.
About half of Gen X have nothing saved for retirement. And close to that many boomers.
@@alanj9978 As a tail-end boomer that's just crazy. We're a generation that on average has had such good opportunities _too_ save and invest. As a generation we have no excuse. Of course individuals may have good reasons. Not everyone has been fortunate in life.
I wondered the same thing. I looked it up and about 37% of all Americans are under 25.
Agree, it's all how it's worded , otherwise doesn't mean much.
Yeah, the chances of extremely young Americans already having saved 100K is slim. I just checked on my own situation since I've been tracking my finances for 35 years on my computer. I'm 55 and I just retired one year ago with a nice nest egg. My net worth didn't hit 100k until I was 31.
This is actually a great illustration of the power of compounding. If only people knew the way money works!
Excellent information please ditch the music
Hey Azul, I've been watching for almost a year, and have appreciated your views and advice immensely! I was originally impressed by your raw, straightforward presentation that featured you simply walking around, talking, getting briefly distracted by passing trains, etc. While I appreciate the newer efforts to improve lighting, cut out wind noise, and present graphics, I could actually do without background music and generic inserted stock footage. Please consider saving the time and effort on those two distractions, and thanks for everything! By the way, I quit my day job at age 57, partly thanks to your encouragement :)
Love the music myself
I love your channel. I was about to say the music was too loud (distracting) for my taste when I saw the above comment, so I gave it a like.
Please stop the music. I couldn't finish the video because of the musac.....why play tacky music when we want to hear your voice. Ill be unsubscribed soon if you dont scrap that music.
Music? WTF? 🤬 😡
Sounds like a funeral 😬 💀
We want to think about living well in retirement not dying! 🙈
what a jerk
@@chrismd00
He’s a good guy offering solid advice Chrissy. 🤡
It’s like music from the movie The Truman Show…
Up Yours!!!
Azul, your voice and genuine concern for us is all the music I need!
Ditch the music please. Thank you.
If you depend on your adult kids, then that uses up their money for their own retirement. Other problems with depending
on kids is that 1) they live all over the country 2) they can't afford a house of their own and have no extra room 3) you have no
extra room for them to live with you 4) they are not able to afford your needs as well as their own, especially if they have
children.
What I have noticed is the children of parents that did not plan for retirement tend to struggle as well. The children of parents that have done better are usually in a better position to help. We took my father-in-law into our house but it happen just after my son started working so he moved into my father-in-laws house.
Wow, not everyone need to comment on the music when it's been said many time! I guess they like quiet videos. But... Another great video! So glad you are able to help so many people We offer a 401k match at our business and almost none of the young employees take advantage. So sad! Save 15% all your life into VOO and you will be set!
Wow I’m so proud of myself to be in the top tiers of savers 😮 3.1%. I’ve travelled to 32 different countries and most of the world doesn’t have money saved period, not even an emergency fund. Not to mention a pension which I too have.
The fact you have a passport puts you in a tiny minority of Americans, congratulations on seeing what’s out here….
Is the average security check you quote a monthly figure? $1767 USD a month to live on? I like your content but like others here, I think the music distracts from this video (and doesn't seem to suit your vibe).
Yeah you don't do much living if you didn't save for retirement or have a pension.
I was raised to rely on myself, which meant finding a good stable job with benefits and to save as much as I could. Debt was also to be avoided whenever possible.
My husband also had the foresight to pay off his mortgage early, before we were married. I retired early and we are comfortable, I count myself lucky and appreciate that I am fortunate.
We have the instant gratification mentality in the US, our economy is consumer driven and that mindset makes it difficult for people to get ahead. FOMO is a very real thing and escaping it and not buying everything you want, aka self discipline can go along way in being successful in saving for retirement.
I realize that not everyone gets a leg up in this world and you can’t save when you only have enough to keep a roof over your head.
The world needs ditch-diggers too. That’s the reality. Some people are just incapable of getting ahead, and spend their entire lives in debt. Some have had unfortunate events happen to them, but most have done it to themselves by living beyond their means. People seem to have a hard time accepting their own level of wealth, and still want expensive things. Vehicles are a huge killer and one of the first things that come to mind. Some people wouldn’t be caught dead in a 10 year old Corolla.
So just as I started writing this, my music teacher wife started watching on her phone, because I had shared it with her, and she blurts out “OMG the music is distracting” anyhow not a deal breaker but close, 😂 anyhow I have an idea for this coming Halloween, you should dress like Captain Picard and run with the theme, now that would be great! 😂 😂😂 Seriously though thanks for what you are doing, your videos have helped me see things in ways I might never have seen them. Keep up the good work and God Bless!
Increasing numbers of American workers simply don't earn high enough wages to save for retirement. Dept of Labor Stats reporting tells you everything you need to know. MORE than half of Americans live paycheck to paycheck and can't even cover essential expenses, so how in the world are they supposed to save for retirement? We also have a corporate greed problem, not just a failure to save problem. The largest most profitable employers in the country (Walmart, Amazon, Starbucks, etc) need to do far better for their workers instead of keeping the lion's share of the gains for elites at the top of the company.
Take care of your parents when they age. They took care of you for 18 years when you were a kid. The least you can do is take care of them for a few years.
i love the content but please drop the music. I listen while ifting weights and it's terribly distracting.
Love the content, but lose the repetitious Muzak, please!
Good use of visuals... but will agree the music is a bit loud, and not quite on the mark for this topic. Maybe make the music more subtle.
I've tried hanging in there, thinking you would get rid of that background music since everyone hates it. Apparently, you don't read your comments, so I'm unsubbing. Peace out ✌️
100,000 to 500,000 is a lot of difference in cash, very different as is 1 million to 5 million
Please lower the volume of the music.
Music is awful. Reminds me of a funeral chapel.
Wow my daughter is a few years out of college and she hit 100k in retirement
I’m going to turn off the video because of the music
The purpose of man is to glorify God. Please no more music. Expenses spelled incorrectly. I would rather look at Azul eyeball to eyeball, not looking down at him.
Or play it at a much lower level…
Azul, thanks for what you do!👍
I retired 3 years ago at 58 and have a little over $1M in a trad IRA, and the same in home equity (not really sure how that helps) but here's something my GF 0f 20 yrs (who I support) have agreed on: We get better happiness from doing things in the $1K range (like the yard and little home improvements) than we'd get out of a $100K RV or $100K fancy truck or whatever else. Even if we could probably survive a luxury plunge like that.
It's the small things in life.... IF you get waylaid by some nasty illness and have to go into long term care , the $1 Mil in equity would help with that by selling it (it might give your around 10 years in congregate care. , having the GF rent someplace for $25k a year and you get pre death care in long term living , assisted living or nursing home care someplace at close to $100K a year . Find a place that is on the higher end if you can afford too, there's usually more room to park wheel chairs in front of the fish tank or bird cage.
@@markbajek2541 Thanks, good advice. We would like to stay here, it's on a lake with waterfowl and other creatures we love to feed. May install simple 3 floor elevator of some kind before leaving down the line.
Music level could be lower. Could be better music too!
Azul, I am a fan of your channel so I offer this with respect. You should explore international retirements. Based on this video, international retirements seem like the only viable way for a large portion of American retirees to have a dignified retirement. I am planning on either Portugal or Italy to retire to and I have close to $2M net worth at age 52. They are generally more pleasant places than the US and my dollars will go a lot further since those nations along with many others have much more affordable health care and very low or in the case of Italy, non existent property taxes. I’ve been lucky as a professional pilot to have the financial resources I have and to actually be able to retire relatively young. I think most retirees could realistically live a fulfilling and fun life in Iberia or Italia or some other desirable locale. ‘International Living’ is one excellent resource for retiring abroad. Anyway, Just a thought.
Without ages, this chart is meaningless. I keep videos on AutoPilot if there is no music while I fall asleep so can't do that with this anyhow.
Otherwise, I love almost *all* of Azul's videos!!! Blessings to you Azul
I agree the music is distracting and serves no purpose, and I also agree I enjoy your channel!
Azul .... I hope you read these comments. We subscribe because we like your content, but as others have already said, PLEASE STOP the background music. It REALLY IS distracting.
Aloha. You are like that good friend we all wish we had. Thank you for your hard work in educating us.
I'm thankful I have SS & a pension. I can afford to stay aggressive in my TSP. I don't really count my home in my net worth because I have to live somewhere. Sure, I could sell it, but then I'd have to buy another one. So...
Excellent video ,egregious music
The statistic I found most interesting was the one that wasn't explained - why the median net worth is so dramatically less than the average net worth. Would the super rich be skewing the figures? (I'm in NZ)
Question- would you rather have $350k and a 200k mortgage w/ 1500 payment or 150k and no mortgage and no payment? Especially in an inflated market?
Thanks, Azul, I appreciate your insight and knowledge! Just as importantly I appreciate the time and effort you spend to share it with us. Truly indebted!
When your ex-wife completely wipes you out financially, your exclamation about not having any savings is just ignorant.
It was there and then it was TAKEN AWAY.
Getting married and then getting divorced by her (80+% of divorces are instigated by women) leaves men stripped of resources.
Got the house, too.
You were correct about one thing, though.
Not ever getting married would have been a financial boon.
Azul, people are stupid. In the US they print on plastic bags, "CAUTION, may cause suffocation if placed over head". People are just plain stupid. Sure some will pour the hate on me for saying it but it is true.
The portion who are NOT stupid have money for retirement. I am enjoying life in retirement.
The background music is pretty stupid too. Just my opinion.
Azul mentions kids but that demographic is disappearing. 50% of women 18-35 will be single and childless by 2030. A society with no kids is a dead end. Socialist insecurity is a Ponzi racket where you are just paying forward for your retirement, then collecting depreciated dollars. De you need the gov. to tell you how much groceries to buy? Neither should the gov. be running a retirement program.
I found the music annoying. I unsubscribed
80% of Americans have less than $100K saved for retirement.
Well it would help if we knew what Americans we were talking about. All 300+ million of us. All adults over 18 or just those at retirement age ? Makes a big difference.
I couldn't find the "Seven things I want you to stop doing" video..., no link in the upper right where you are pointing..., production error? I did see in your video library, a "SIX things to stop doing..., " posted 9 days ago..., is that the video that you are pointing/referring to? Great content. Music is OK..., just a tad too loud. Love it, but turn it down so it's unnoticeable background music.
We are not buying useless diamonds . LOOOSE THE PIANO
Truthfully speaking from someone that was in poverty. How do you expect to save 6-10% of your check on a 401k when you need that money to survive now. Retirement won’t matter if I can survive that 1 day. Just saying.
I’m with the ” Remover’s”… most annoying, and depressing.🤦♂️
What is the age of the imaginary average American who has this imaginary $100k. 40 Or younger? Babies have no retirement funds; most anyhow. People in their 60s likely have more. Or, should have more. Average it out and it looks quite depressing.
Due to a teacher's retirement, I only have about $50,000 in savings. My husband has no pension and about $125,000 in retirement. He had a lower income and could not save as much.Our gross SS is about $40, 000. We both are in our 70s and still have small parttime jobs, which we enjoy and don't intend to retire from these until our health causes the need to. We have enough income as we don't live a big life. We have an average house and older cars. We save and live within our means.
We have encouraged our adult children to put money in retirement as much as possible.
Please clarify if you are applying these numbers to all Americans or those at retirement age?
yes!if you qualify this statement .IT MEANS SOMETHING TOTALLYDIIFFERENT!
Can't take the music. Unsubscribing. I'm thinking Azul is not reading the comments. I'll check back another time. ang :(
You’re getting a lot of comments about the music. I’ll chime in and share my view. Your background music doesn’t offend me at all. It’s the same music that was played in the movie “The Truman Show“, a movie about a man who, after living his entire life unaware of his reality, has an epiphany that he’s living in a fantasy/artificial world and he ultimately wakes up from it and finds the intestinal fortitude that he needs to escape. Given that this channel deals with the coming financial catastrophe for most Americans who are failing to plan/prepare for the future because they obliviously think that everything is going to be OK financially, I think the music is perfectly appropriate. Also, I don’t think it’s too loud and people who claim they can’t hear your voice because of the music are exaggerating.
In Asia kids are your retirement policy. They call it the sandwich generation - supporting your own kids plus your parents.
Long time subscriber and watch all your videos. Not liking the music!
That chart is slightly misleading. It includes 25 year olds. What do Americans have saved for retirement at age 60? That’s a much more useful statistic.
Great video but what’s the point of the background music? This is a financial video…not a video of a dog being rescued
Azul, where are you getting your information? Far more than one tenth of one percent have "retirement savings" of $5,000,000 or more. Estimates vary of what it takes to be in the top 1% in America. Kiplinger is on the low end and said that in 2022, it took a minimum net worth of $10,815,000 to be in the top 1%. You can bet that those in the top 1% of net assets can dedicate far more than $5,000,000 of their net assets to their retirement if they wanted to. I would surmise based on my experience that debt as a percentage of net worth decreases significantly as one goes up the net worth scale and that the vast majority of those in the top 1% of net worth have no personal debt at all.
Azul- okay, background noise/music is awful. I went on to other videos.
Azul I just found your channel a couple days ago and I have been really enjoying your content. I especially like when you say let's go for a walk and shoot the video while you're outside.
I see this one I just watched this one and was fully interested in the content, and hardly noticed the music, although I see many people Dislike the music. I think it might be because they're they've watched your videos for a while without music but either way, I'm sure you'll will find a way to please. It is truly your content that is valuable here.
Need a different background song, Azul. I like it but it is too repetitive, and on too many videos.
People should actually study the social security policy that is in place. For a lot of people it is best to only work 10 years in the usa then work somewhere else in the world. The return shrinks drastically as you hit the 2nd and 3rd tiers in the calculation. Far better to make the same salary overseas and invest. Social security is supposed to cover 40 percent of costs. I rather have real income producing assets than count on government. Social security has raised benefits by about 16 percent in the past 3 years while costs have gone up by over 40 percent. My non social security assets have gone up with real inflation, but not social security benefits. Medicare b will ultimately eat up your benefits within 10 years and it is not a great plan. If you are over 60 with less than 200k then the reality is that you can live like a dog in the usa or you can leave to a low cost country. You have been kicked out of your country. The reality is a hard pill for many americans to swallow.
Please stop with the music.
Get rid of the horrid music please. It is a real bummer and distracting. I think you may be doing for some sort of weird RUclips algorithm, but you don’t need it.
75% of people watching this video are old and have hearing issues. Adding background music does not add any value to this video. it's a negative.
300k for a couple in medical bills seems unrealistic and a scare tactic from Fidelity. With a relatively cheap supplement plan of any worth your bill will be substantially less !
If your plan is KIDS better have a bunch of them. My sister and I cant keep up with my parents needs.
actually 22% of people 60 or older have $1M or more net worth so those statistics presented here are very misleading
only made it 2 mins in... oh the music. I have tinnitus and struggle to hear through the constant ringing.. this specific soundtrack overtakes the voice.. I need CC on but then I can't listen in the car.
If you are looking at all ages for retirement savings, it is misleading. I'm not saying we don't have a retirement savings problem, but its not that bad.
It is so odd that channels aimed at older people do not account for the fact the a vast majority of their audience have some level of hearing impairment. The separations of sound being a huge factor. I understand why they do it but it would be so much easier if the background music was at a barely perceptual level and vocals ride several decibels above it.
The more I think about retirement in America the more I’m convinced that defined contribution has been a failure. People are absolutely terrible at saving for retirement. Traditional pensions are a better approach.
Count me as one who doesn't like the background music. It's slightly less annoying though when you're in the office rather than on the street, for some reason.
Please the music is distracting! I can’t even concentrate on what you’re saying.
I just retired in December at 56 debt free other than regular recurring monthly stuff. Passive income flow also. I said hell with working until 62. Not buying into work until your body or mind fails. I spend less than what I bring in.
Are you completely done working or are you now working for free?
Great job. Your doing it right👍🏻
No music please…can’t hear what you’re saying.
Some are uncounted but doing well in real estate and other non-conventional assets, but thank you. Yeah, save the annoying piano👍
Music horrible had to stop playing immediately