Was gonna retire on the 23rd, just like you.......but decided to go on the 15th. That first cup of coffee this morning watching the snow come down and knowing i dont need to get to work ever again was wonderful.
Congrats Peter! I've got you beat, $36.61 for electric, $12 for water/sewer, 600 sq ft apt. The other apartments around me keep mine insulated, love it.
OMG , my standard water/ sewer bill is $140 for 2 months .. just the standard amt (lowest payment) ,,, electric can be up to $400 per month .. in a middle unit. You are lucky.
Wow, thank you for the words of encouragement. I’m not sure I’m a mentor, but I will definitely keep posting and let you all know how I’m doing good or bad. And hopefully people can learn from me while I’ll continue to learn as well.
Yes. The last nine or 10 months have been a little hard to stay motivated. But I did it and it was so well worth it. You can do it. November will be here soon.
Peter, you are setting a good example as to what is possible when choosing to retire early! If more folk would track their expenses and make an effort to save, early retirement would be possible for them as well.
I agree. But living frugal for many many many years is not for everybody. Some people enjoy living paycheck to paycheck or spending money whenever they have it. I don’t try to force my ways down anyone’s throats. If people ask me, I’m more than willing to help them get on track with their budget And while it works for me, you have to be willing to make the sacrifices.
Did you see the shout out I gave you? I did a question and answer video a bunch of months ago. Maybe it is time for a new one. I could post something on the community page and have people leave their questions. I do want to do a live once a week or maybe once every two weeks once I’m retired. Just on my phone maybe 30 minutes or so during the day just to have fun and chitchat with the community.
@@retireearlywithme I did see the shout out and you're welcome. You're doing great and I wanted to celebrate you. I set aside $5 from every paycheck to go into what I call a "creator fund" and I use it to buy things from Etsy shops, to say thank you or to bless creators in some way. It's $5 less of personal money I set aside for that purpose. Hope you're having a great week!
29th for me. I'm not nervous at all now. I'm so ready. They will have a catered in meal for me and the employees for lunch. I'm done after we eat. Did you get any snow your way this week? It looks like a lot of the south got some. I live in Iowa and the last two storms missed us.
They usually do pizza or something for the person retiring on their last day. People will come in and say goodbye. And like you said after that, I’m out the door goodbye. We got a little bit of snow last night mostly frozen rain. A light dusting. It should be gone by the end of today. As it’s going to be in the 40s and I think the sun’s going to come out
@@denisereneec my actual plan is the day I retire is to do one video a a day for 30 days. That might be too much but I think it’ll be fun and give me something to strive for. I get my 10,500 steps every day. And I think trying to do one video a day for the first 30 days of retirement would be something fun, interesting maybe be informative and keep me busy and give me something to do as well.
It really is! It’s not something I’m going to rely on, but if it continues even the same or grows a little, that’ll be wonderful. RUclips is something I enjoy and will also keep me busy.
Yes! I bet it felt good to give that notice. When I gave mine, it was like a huge weight lifted off my shoulders. Those numbers are great, even with the extra non regular expenses. Have a great weekend, Peter! 🌻🌻
She gives me usually $50 for my birthday and $100 for Christmas. And she always sends me a bunch of stocking stuffers to fill my stocking with. She’s the best and it’s so cute even though I’m almost 55 years old, she still sends me stocking stuffers.
Another top notch video Peter and another great spending on your month. I'm very happy for you and best of everything in your retirement. Always look forward to your videos so keep them coming.
Just happened across your channel. I just gave my notice of my retirement yesterday - retiring in August. But not early - that is my SSA FRA. I "retired" before in June 2017, but the called and 18 months later and asked if I would come back for a special project and I did. This time it's for keeps LOL. Other than the fact that my retirement is not early, the other difference is that I have a few other personal endeavors/pursuits/interests that will keep me busy. I am building a chopper, I am building an airplane from a kit, and I am taking flying lessons. I have lots of stuff to do. I have more retirement savings than you, and I'll have SS income, but I went with a Medicare medigap plan which is more expensive - especially in the state I am from. And I don't have RUclips income like you do.
Wow. Building a Choppa and an airplane? That is pretty cool. Nothing wrong with going back to work. I plan on taking six months a year and doing nothing. During that six months a year if I’m bored, I can always go get a part-time job. I really do not know what to expect But I’m looking forward to the journey. I know I’ll be visiting my family more and doing what I want. Thank you for sharing your story.
So if you dont mind me asking - what does a 1BR condo like yours cost in the Raleigh area? I lived there for 6 years in the mid-2000s and prices have skyrocketed on homes since i left
What about monthly grocery bill? My condo recently charged a $3700 Assessment charge oh we need the money for our budget no swimming pool or clubhouse this sucks what about cable bill I want to learn how to get streaming with some magic stick? Property tax is sky high how do I make a video? I’m 71 with fixed income pension and social security let me know thanks
My groceries are included in my discretionary spending. I don’t pay for cable TV. I have a few streaming apps and RUclips. Do we search on RUclips for how to make a video. You can use your phone. That’s all I use.
Congratulations to you!!! As always, thank you so much for sharing. If you get a whiteboard, you may want to consider a standing whiteboard so you don't have to hold it up.
@@MsChicoro my place is so small trying to store a standing my board might be a little tough. I’ll have to look into something and see what I can do. Seems like a good amount of people like the whiteboard. And I know other RUclips creators that use them as well. Thank you for the suggestion,
@@ChristopherEvans-650 yes. I follow and enjoy both their channels. I’ll look to see how much a whiteboard will cost and how I can set it up to easily fit into a video.
@@retireearlywithme I understand. I didn't think about the storage component or limitations. I've seen foldable ones. There maybe even desktop models that sit on a table. I'm sure you will work it out. I'm here enjoying with you using just the paper. So board or paper or no board, I'm good!
Great video. I'll be 57 in June so watching your videos helps to keep me motivated and entertained. If you are looking for content ideas: How does your rule of 55 work? How does it impact the ACA? What is the process of signing up for the ACA? Did you seek the help of a financial advisor? If so, was it worth it? How do you go about putting together a RUclips video. How stressful is work, especially from the perspective of being retired. Sleep quality in retirement. Thanks! Keep up the good work.
All very good ideas. I have done some videos on a few of the subjects you touched upon. But once I retire, I do plan on doing more than just one video a week and maybe some question and answer videos. Also maybe one or two live videos a month where people can ask me questions directly during the live videos. I’ll obviously need something to fill the 40 hours that I work now. And having some fun on RUclips and making some videos is enjoyable.
Not sure if you've been asked this yet, but what are you doing for health care? - Nevermind, just finished the rest of the vid and you cover it. :) Good on you for having a practical and cheap plan!
Good job Peter hope you enjoy your retirement. It is always good to hear what you have to say. Would be interesting to see the green space you have around your condo and areas you are able to put in your 10,000 steps.
When I retire, I do plan on doing some more videos of me walking early in the morning or whenever I walk. A few people have asked for me to do some videos of me walking showing where I do walk. And the green space and woods around where I live.
I'm not retired yet but am planning to soon. You are an inspiration to pull the trigger on retirement. So you said dental is going to be 10 or 11 dollars a month. Is the dental part of ACA insurance, or is it a separate insurance?
The dental is part of the ACA. It’s separate than the actual health insurance, but it’s still part of the ACA. I hope that helps. You can go on their website and put in your age and income, and it will give you a bunch of information.
That is one heck of an awesome budget, Peter. I was wondering where you live. I have been thinking about North Carolina for a long time. Sounds very affordable. Congratulations! Hubby and I are down to four years, 11 months, and 20 days!😂
I moved to North Carolina a little over 22 years ago. I still consider Massachusetts my home, but I guess this is my second home at this point. The only reason I go back to Massachusetts is a visit my mother and other family. It’s very hot here in the summer And winter are usually pretty nice. But it’s been very cold here the last few weeks. Overall, I like North Carolina and have no plans on moving.
I’m sure you have a lot of people trying to hook you up with their daughter’s , niece’s or themselves? lol you are awesome 😎 I am also retiring the end of January! But, I am 62 and happily married! I love watching your videos and congratulations! 🎊🍾🎉🎈 You are awesome!🤩
Well, that would be nice. But at the moment I’m single. Have been for a little while. After I retire I do plan on starting the date again. Even though I’m very frugal I do enjoy dating and enjoying life. Thank you so much for watching my videos and the support. It’s greatly appreciated.
Congratulations in the 2 week notice!! Yes!! Im 2 years behind you. Hope to retire at 54 1/2 as well!! Got a little dough and some benefits to survive on! Possibly moving to Philippines where my wife is from. We shall see! Thanks for sharing your experiences in such a positive and upbeat manner!! Look forward to your next video!!
I’ve watched a bunch of videos and still do watch a bunch of videos about retiring overseas in the Philippines and other areas as well. Seems very interesting but scary at the same time. I would think about it, but my mom is still in Massachusetts and I want to be able to visit her at the drop of a dime. Keep going and you can retire as well. I’ll continue to post videos whether I’m continuing to do well or I’m failing at retirement, but I hope to give people a little bit of insight of retiring early good and bad.
February 20... that's the day I am stepping away. A little younger... but i'm going for it. I am prepared to work part time if I have to, truth be told I might want to even. I need a break though and think i'm prepared to do so... infact, i know i'm prepared to do so (not sure for exactly how long but my cheap ass thinks it can be for a long time!). Love your videos, you gave me some things to think about and prepare for.
Congratulations February 20 is not that far away. You can do it. Even if you work part-time as long as you’re happy, that’s all that matters. Take a break and see how you feel in a few months. Continue to live cheap and frugal like me and we will be OK.
Awesome budget! Our monthly budget right now, as we are crushing debt, plus enjoying life is around 8k. However! We just found out we can pay off our Mortgage around October this year! 6 more years until we retire at 60.
That’s awesome. Once you pay off that mortgage, you will feel a huge weight off your shoulders. It is a totally different feeling once that mortgage is paid off. Congratulations keep me updated.
Hahahaa I know a whiteboard is probably only $20. But yes, that $20 can get me three days worth of food. I always overthink spending money even though it’s only $20. But if I do make some decent money on this RUclips channel buying a whiteboard, some more people enjoy my channel would be a good investment.
Do you live close enough to the arena to see a Bruins/Hurricanes game when they’re in town? That’s probably it too cheap, but it would be a fun time I bet.
I have progressive and auto owners. I have an insurance agent that I’ve been working with for the last 20 years. She tries to get me the best deal she can.
Good job... Please follow up on the how the Rule of 55 works out when appropriate. I am awaiting Jan 1,2026 for this reason. Don't believe we will use it but it is good to know it is an option.
You said it Peter " Lovin Life". And that's what's important. And after you officially retire, you can continue to save. My husband and I do because we're both conservative natured so we can't help it. Lol. Your happiness and excitement are infectious! Blessings!😊
I really appreciate the support. The encouragement and the nice words. Keep doing what you are doing. Obviously it’s working for you and I’m going to as well.
@@retireearlywithme Sorry I commented before watching the entire video. I see that you said that at the end. I hope you enjoy your retirement. It sure seems like you planned very well for 54 years old to have the low monthly budget is outstanding. I look forward to more of your videos. Take it easy you deserve it.
What ..no gas last month ? How about your food / drink spending ,eating out and groceries ? You don't do any driving - taking trips to town , beach, ocean, lake ?
I don’t have gas anymore in my new condo. I had gas in my old home but not my new place. Just electric. My food and drink spending comes out of my cash withdrawal from the bank. Eating out and groceries as well comes from my cash withdrawals. Gas in my car is also included in my cash withdrawals. I drive a work truck during the week so I don’t drive my personal vehicle too much.
I’m not worried. I’ve been living in and out of HOA for years now. I’d rather spend money on an HOA then taking care of a roof or siding or a lawn bushes shoveling or anything else. I’m OK with having an HOA overall. Definitely some downsides, but there’s a little give-and-take.
For sure. As of January 1, I got back on the dating apps. That’ll cut into my budget, but we’ll see. Maybe I’ll have to cut out a couple other things ha ha
You have no idea how awesome that would be. Wow that was in my mind when I started this channel. It was not the main reason. But knowing that is a possibility now to make a little bit of money from showing people how I retire early the good and the bad. Is pretty interesting.
Do you paark ya caar in Haavid Yaard? What do the North Carolina natives think of your New England accent? I hope you have researched your future Social Security benefits since they are based on your highest 35 years of earnings. If you have less than 35 year of earnings or you have some low earnings years then your benefits may be lower than they could be if you worked longer for higher pay than in your early earning years.
Yes, that’s where I parked my car. People are always giving me a hard time about my accent down here for the last 20 something years. Yes I have reached the amount of credit for years or whatever it is for Social Security. I think it’s 40 or 42 or something like that credit and I have met them. As I’ve been working since about the age of 16.
@@retireearlywithme The 40 credits are 40 quarters or 10 years of work. This is the minimum to get anything from Social Security. However your benefit is based on your highest 35 year of work. If you have less than 35 years then zeros will be part of that calculation. Create an account with Social Security and use their calculator with your earnings records to get an estimate of your benefits. Don't get a big bad surprise in the future.
First time coming across one of your videos. Congratulations on your retirement. I do have to say your video was hard to watch. Could only get through about 2-3 minutes of it. I'm sure fewer tangents, fewer snarky remarks, and more maturity would help your channel grow.
I use a McDonald’s app a few times a week if not more. And there’s always great deals on there. And I always earn points. For free food. It’s one of the better apps out there if you eat out a lot like myself.
![I.N "HALLUCINATION" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/n5B5q1Hwt_U/mqdefault.jpg)
Was gonna retire on the 23rd, just like you.......but decided to go on the 15th.
That first cup of coffee this morning watching the snow come down and knowing i dont need to get to work ever again was wonderful.
Well dang!!! Your last day was yesterday! Huge congratulations, I love it. Thank you for sharing your first retired coffee story ❤️❤️
Congratulations. Love seeing all your
preplanning payoff for you. Cheers to a long and healthy retirement.
Thank you so much for the support, it is so greatly appreciated
Congrats Peter! I've got you beat, $36.61 for electric, $12 for water/sewer, 600 sq ft apt. The other apartments around me keep mine insulated, love it.
OMG , my standard water/ sewer bill is $140 for 2 months .. just the standard amt (lowest payment) ,,, electric can be up to $400 per month .. in a middle unit. You are lucky.
That is amazing. We need to compare every month. Going forward. I agree. The other condos around me. Keep my place. Nice and warm. Pure awesomeness.
Well, I do live in a 550 square-foot condo. And have people on both sides of me keeping me warm.
Love your channel! I'm looking at retiring on July 11, 2025 at 61 years old! You are my retirement mentor!
Wow, thank you for the words of encouragement. I’m not sure I’m a mentor, but I will definitely keep posting and let you all know how I’m doing good or bad. And hopefully people can learn from me while I’ll continue to learn as well.
im jealous. I turn 61 on July 10th but unable to retire until July 2026. Best of luck.
Great job on the budget! I love how your mom still sends you money at Christmas. My mom always did that.
I always tell her to stop sending me money that I am OK. But she’ll send it anyways. It’s funny but a beautiful thing as well.
@@retireearlywithme Now that I have an inherited IRA from my mom I still get money from her every year when I take the RMD.
@ ❤️❤️❤️
Congratulations Peter! I just gave my two-week retirement notice as well. My last day is January 24th.
That’s awesome. One day after me. I’ll be going on the 23rd. Let’s continue to follow each other and support. Congratulations.
Retiring in November!! Freedom. The hardest part is just staying focused at work.
Yes. The last nine or 10 months have been a little hard to stay motivated. But I did it and it was so well worth it. You can do it. November will be here soon.
Peter, you are setting a good example as to what is possible when choosing to retire early! If more folk would track their expenses and make an effort to save, early retirement would be possible for them as well.
I agree. But living frugal for many many many years is not for everybody. Some people enjoy living paycheck to paycheck or spending money whenever they have it. I don’t try to force my ways down anyone’s throats. If people ask me, I’m more than willing to help them get on track with their budget And while it works for me, you have to be willing to make the sacrifices.
You didn't mention food. Is it covered within your cash withdrawals?
Yes. Food is also included in my cash withdrawals. Whether I’d be at soda lunch, dinner beer or whatever. That’s all included in my cash withdrawals
Peter, great spending recap for December! When are you doing a Q&A or a Live? You're an interesting man! 🙂
Did you see the shout out I gave you? I did a question and answer video a bunch of months ago. Maybe it is time for a new one. I could post something on the community page and have people leave their questions. I do want to do a live once a week or maybe once every two weeks once I’m retired. Just on my phone maybe 30 minutes or so during the day just to have fun and chitchat with the community.
@@retireearlywithme I did see the shout out and you're welcome. You're doing great and I wanted to celebrate you. I set aside $5 from every paycheck to go into what I call a "creator fund" and I use it to buy things from Etsy shops, to say thank you or to bless creators in some way. It's $5 less of personal money I set aside for that purpose.
Hope you're having a great week!
@ you are too kind ❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️
29th for me. I'm not nervous at all now. I'm so ready. They will have a catered in meal for me and the employees for lunch. I'm done after we eat. Did you get any snow your way this week? It looks like a lot of the south got some. I live in Iowa and the last two storms missed us.
They usually do pizza or something for the person retiring on their last day. People will come in and say goodbye. And like you said after that, I’m out the door goodbye. We got a little bit of snow last night mostly frozen rain. A light dusting. It should be gone by the end of today. As it’s going to be in the 40s and I think the sun’s going to come out
They had Panda Express for my office retirement party.🥳🥳
@ that would be amazing. I absolutely love panda express.
Awesome! I enjoy learning your frugal simple living tips! You are an encouragement and proof that it is possible to retire on a smaller income.
So happy you’re enjoying my videos. I hope you continue to follow me on my retirement journey. I appreciate the support.
@@retireearlywithme You can count on it! Thoroughly enjoying your channel. Do you think once you retire you may do more than one video/week?
@@denisereneec my actual plan is the day I retire is to do one video a a day for 30 days. That might be too much but I think it’ll be fun and give me something to strive for. I get my 10,500 steps every day. And I think trying to do one video a day for the first 30 days of retirement would be something fun, interesting maybe be informative and keep me busy and give me something to do as well.
Awesome! It finally arrived! Congratulations! Look forward to following you on the new journey. And you are right - it's COLD in NC!!
Damn, right. It’s been cold. A little dusting of snow and rain overnight. All gone now. Thank you for the congratulations.
Man you got exactly the right ideas. Congrats and keep up the videos!
Glad you like them! Thank you so much for the support
Congrats on the RUclips money 👍🏻👍🏻👍🏻 That’s a great side hustle 👏🏻👏🏻👏🏻
It really is! It’s not something I’m going to rely on, but if it continues even the same or grows a little, that’ll be wonderful. RUclips is something I enjoy and will also keep me busy.
Yes! I bet it felt good to give that notice. When I gave mine, it was like a huge weight lifted off my shoulders. Those numbers are great, even with the extra non regular expenses. Have a great weekend, Peter! 🌻🌻
Thank you so much for the support and taking the time to leave a positive comment. It’s greatly appreciated.
Congratulations on the official retirement notice! 🎉 I think you can keep your current cell phone discount for a year. Such low bills!
Yes. Very lucky to have my bill so low. Thank you for the congratulations.
I like that your mom gave you $100. That's sweet.
She gives me usually $50 for my birthday and $100 for Christmas. And she always sends me a bunch of stocking stuffers to fill my stocking with. She’s the best and it’s so cute even though I’m almost 55 years old, she still sends me stocking stuffers.
DEBT KILLS RETIREMENT!! Great vid Peter!!!
Thank you 👍🏻
Another top notch video Peter and another great spending on your month. I'm very happy for you and best of everything in your retirement. Always look forward to your videos so keep them coming.
Happy new year and thank you 👍🏻💯
CONGRATULATIONS !!! You finished the race that ia all that matters. There is a metaphore for budget,
if the blanket is short, then bend your knees. 🏁
I love that. Thank you for sharing.
Terrific! Exciting to watch your progress.
Thank you very much
Just happened across your channel. I just gave my notice of my retirement yesterday - retiring in August. But not early - that is my SSA FRA. I "retired" before in June 2017, but the called and 18 months later and asked if I would come back for a special project and I did. This time it's for keeps LOL. Other than the fact that my retirement is not early, the other difference is that I have a few other personal endeavors/pursuits/interests that will keep me busy. I am building a chopper, I am building an airplane from a kit, and I am taking flying lessons. I have lots of stuff to do. I have more retirement savings than you, and I'll have SS income, but I went with a Medicare medigap plan which is more expensive - especially in the state I am from. And I don't have RUclips income like you do.
Wow. Building a Choppa and an airplane? That is pretty cool. Nothing wrong with going back to work. I plan on taking six months a year and doing nothing. During that six months a year if I’m bored, I can always go get a part-time job. I really do not know what to expect But I’m looking forward to the journey. I know I’ll be visiting my family more and doing what I want. Thank you for sharing your story.
Great work Pete. Love the channel, keep it going my friend.🎉
Thank you very much
So if you dont mind me asking - what does a 1BR condo like yours cost in the Raleigh area? I lived there for 6 years in the mid-2000s and prices have skyrocketed on homes since i left
This 550sf condo cost me $200k. I sold my 2240sf home a couple months ago for $345k. I originally bought it in 2017 for $205k. I hope that helps 👍🏻
What about monthly grocery bill? My condo recently charged a $3700 Assessment charge oh we need the money for our budget no swimming pool or clubhouse this sucks what about cable bill I want to learn how to get streaming with some magic stick? Property tax is sky high how do I make a video? I’m 71 with fixed income pension and social security let me know thanks
My groceries are included in my discretionary spending. I don’t pay for cable TV. I have a few streaming apps and RUclips. Do we search on RUclips for how to make a video. You can use your phone. That’s all I use.
Congratulations to you!!! As always, thank you so much for sharing. If you get a whiteboard, you may want to consider a standing whiteboard so you don't have to hold it up.
You are so welcome and as always, thank you for the support
Another vote for the whiteboard. Works for Duane and Buzz, two other RUclipsrs that I believe Peter follows.
@@MsChicoro my place is so small trying to store a standing my board might be a little tough. I’ll have to look into something and see what I can do. Seems like a good amount of people like the whiteboard. And I know other RUclips creators that use them as well. Thank you for the suggestion,
@@ChristopherEvans-650 yes. I follow and enjoy both their channels. I’ll look to see how much a whiteboard will cost and how I can set it up to easily fit into a video.
@@retireearlywithme I understand. I didn't think about the storage component or limitations. I've seen foldable ones. There maybe even desktop models that sit on a table. I'm sure you will work it out. I'm here enjoying with you using just the paper. So board or paper or no board, I'm good!
Great job! Hope things continue to go well for you here on YT. You're the master of frugal retirement so far.
Thank you so much. I hope so as well. I hope my videos are insightful and a little entertainment at the same time.
Great video. I'll be 57 in June so watching your videos helps to keep me motivated and entertained. If you are looking for content ideas:
How does your rule of 55 work? How does it impact the ACA?
What is the process of signing up for the ACA?
Did you seek the help of a financial advisor? If so, was it worth it?
How do you go about putting together a RUclips video.
How stressful is work, especially from the perspective of being retired.
Sleep quality in retirement.
Thanks! Keep up the good work.
All very good ideas. I have done some videos on a few of the subjects you touched upon. But once I retire, I do plan on doing more than just one video a week and maybe some question and answer videos. Also maybe one or two live videos a month where people can ask me questions directly during the live videos. I’ll obviously need something to fill the 40 hours that I work now. And having some fun on RUclips and making some videos is enjoyable.
Not sure if you've been asked this yet, but what are you doing for health care? - Nevermind, just finished the rest of the vid and you cover it. :) Good on you for having a practical and cheap plan!
Glad you found the info and happy you enjoyed.
What do you do for health insurance?
The information is in the video. The affordable healthcare act.
Love your videos!
Thank you so very much
Sounds super fantastic! What's your monthly S.S check like?? Just came across your channel
I’m only 54 so I have a while before SS kicks in.
Was that a 30 day fast or dumpster diving ?
My food and drinks groceries is all included in my cash withdrawals
Good job Peter hope you enjoy your retirement. It is always good to hear what you have to say. Would be interesting to see the green space you have around your condo and areas you are able to put in your 10,000 steps.
When I retire, I do plan on doing some more videos of me walking early in the morning or whenever I walk. A few people have asked for me to do some videos of me walking showing where I do walk. And the green space and woods around where I live.
I'm not retired yet but am planning to soon. You are an inspiration to pull the trigger on retirement. So you said dental is going to be 10 or 11 dollars a month. Is the dental part of ACA insurance, or is it a separate insurance?
The dental is part of the ACA. It’s separate than the actual health insurance, but it’s still part of the ACA. I hope that helps. You can go on their website and put in your age and income, and it will give you a bunch of information.
That is one heck of an awesome budget, Peter. I was wondering where you live. I have been thinking about North Carolina for a long time. Sounds very affordable. Congratulations! Hubby and I are down to four years, 11 months, and 20 days!😂
I moved to North Carolina a little over 22 years ago. I still consider Massachusetts my home, but I guess this is my second home at this point. The only reason I go back to Massachusetts is a visit my mother and other family. It’s very hot here in the summer And winter are usually pretty nice. But it’s been very cold here the last few weeks. Overall, I like North Carolina and have no plans on moving.
I’m sure you have a lot of people trying to hook you up with their daughter’s , niece’s or themselves? lol you are awesome 😎 I am also retiring the end of January! But, I am 62 and happily married! I love watching your videos and congratulations! 🎊🍾🎉🎈 You are awesome!🤩
Well, that would be nice. But at the moment I’m single. Have been for a little while. After I retire I do plan on starting the date again. Even though I’m very frugal I do enjoy dating and enjoying life. Thank you so much for watching my videos and the support. It’s greatly appreciated.
Congratulations in the 2 week notice!! Yes!! Im 2 years behind you. Hope to retire at 54 1/2 as well!! Got a little dough and some benefits to survive on! Possibly moving to Philippines where my wife is from. We shall see! Thanks for sharing your experiences in such a positive and upbeat manner!! Look forward to your next video!!
I’ve watched a bunch of videos and still do watch a bunch of videos about retiring overseas in the Philippines and other areas as well. Seems very interesting but scary at the same time. I would think about it, but my mom is still in Massachusetts and I want to be able to visit her at the drop of a dime. Keep going and you can retire as well. I’ll continue to post videos whether I’m continuing to do well or I’m failing at retirement, but I hope to give people a little bit of insight of retiring early good and bad.
February 20... that's the day I am stepping away. A little younger... but i'm going for it. I am prepared to work part time if I have to, truth be told I might want to even. I need a break though and think i'm prepared to do so... infact, i know i'm prepared to do so (not sure for exactly how long but my cheap ass thinks it can be for a long time!). Love your videos, you gave me some things to think about and prepare for.
Congratulations February 20 is not that far away. You can do it. Even if you work part-time as long as you’re happy, that’s all that matters. Take a break and see how you feel in a few months. Continue to live cheap and frugal like me and we will be OK.
Peter congrats on your Subs growing
Whoo-hoooo. It just passed 2,000 today
Condo was a great move. Saving that $
100%. One of the better moves I have made.
Awesome budget! Our monthly budget right now, as we are crushing debt, plus enjoying life is around 8k. However! We just found out we can pay off our Mortgage around October this year! 6 more years until we retire at 60.
That’s awesome. Once you pay off that mortgage, you will feel a huge weight off your shoulders. It is a totally different feeling once that mortgage is paid off. Congratulations keep me updated.
Congratulations again Peter. Save that money and don’t waste it on a white board. I’m very old school and the pen and notebook works. Lol
Hahahaa I know a whiteboard is probably only $20. But yes, that $20 can get me three days worth of food. I always overthink spending money even though it’s only $20. But if I do make some decent money on this RUclips channel buying a whiteboard, some more people enjoy my channel would be a good investment.
Congratulations! Your cash account will last a long time! Enjoy your retirement.😊
That’s my plan and what I hope for. Thank you for the congratulations.
Do you live close enough to the arena to see a Bruins/Hurricanes game when they’re in town? That’s probably it too cheap, but it would be a fun time I bet.
Yes. I’ve been to a few hockey games over the years. I haven’t been to one in a while, but but yes, the arena is very close by
I enjoyed watching.
Thank you so much
Who do you get your home & auto insurance from? Mine has skyrocketed over the last few years.
I have progressive and auto owners. I have an insurance agent that I’ve been working with for the last 20 years. She tries to get me the best deal she can.
Good job... Please follow up on the how the Rule of 55 works out when appropriate. I am awaiting Jan 1,2026 for this reason. Don't believe we will use it but it is good to know it is an option.
I think I did another video a few months ago on the rule of 55. Once I start taking my 401(k), I’ll do a little follow up as well.
You said it Peter " Lovin Life". And that's what's important. And after you officially retire, you can continue to save. My husband and I do because we're both conservative natured so we can't help it. Lol. Your happiness and excitement are infectious! Blessings!😊
I really appreciate the support. The encouragement and the nice words. Keep doing what you are doing. Obviously it’s working for you and I’m going to as well.
Welcome to the best side of life, not sure how old you are and if you are single or not. But it is been a wonderful life since I retired.
I’ll be 55 this year and very single. Life is good now and I hope it continues into retirement.
@@retireearlywithme It will be great, stay the course :)
👍🏻👍🏻👍🏻👍🏻👍🏻👍🏻
Is your health insurance covered through your retirement?
I’ll be using the affordable healthcare act.
@@retireearlywithme Sorry I commented before watching the entire video. I see that you said that at the end. I hope you enjoy your retirement. It sure seems like you planned very well for 54 years old to have the low monthly budget is outstanding. I look forward to more of your videos. Take it easy you deserve it.
@ thank you so much for the words of encouragement and support. Greatly appreciated. Have a wonderful day.
No groceries or gas?
@@paporich8991 that’s included in my discretionary spending.
Great job on the budget!
Thank you very much.
Your healthcare? And future healthcare expenses?
I believe I discussed healthcare cost in the video
Income?
Over 70k and under 100k
What ..no gas last month ? How about your food / drink spending ,eating out and groceries ? You don't do any driving - taking trips to town , beach, ocean, lake ?
I don’t have gas anymore in my new condo. I had gas in my old home but not my new place. Just electric. My food and drink spending comes out of my cash withdrawal from the bank. Eating out and groceries as well comes from my cash withdrawals. Gas in my car is also included in my cash withdrawals. I drive a work truck during the week so I don’t drive my personal vehicle too much.
Way to go Peter living cheap but not roughing it.
That’s correct 👍🏻
You can definitely live cheap if one is debt free. Our bills are 1580 a month for a 5BR 5 Ba house with 2 vehicles and a class C rv
Very nice control of your bills. Yes. If you know your finances and your expenses, that’s halfway to retire retirement.
HOA monthlys are skyrocketing
I’m not worried. I’ve been living in and out of HOA for years now. I’d rather spend money on an HOA then taking care of a roof or siding or a lawn bushes shoveling or anything else. I’m OK with having an HOA overall. Definitely some downsides, but there’s a little give-and-take.
You know you've made it on RUclips when you get investing spam comments
Hahahaahah yes. I tried to delete them whenever I see them. They show up a decent amount.
What kind of life are you living on 1200 a month?
An absolutely wonderful and fulfilling one
Did I miss Health Care. 700 ?
I found it .....shit plan!
Watch the whole video as I have a portion and they are talking about healthcare as well.
Thee expenses are the funnest part, lol
😂😂😂
My opinion is never share your financial information with another soul. Never mind flashing it all over the internet.
If that works for you, that’s great
66 degrees inside is perfect
Yes!!!!!!!!!
Now you'll have more free time for dating, gotta add that to your budget!
For sure. As of January 1, I got back on the dating apps. That’ll cut into my budget, but we’ll see. Maybe I’ll have to cut out a couple other things ha ha
I retired at 56 and love it. I am now 64.
That’s awesome. Give me something to strive for. Thank you for sharing.
@ A trip through the Panama Canal for one. I can give you more. Especially if Trump gets it back. We have been three times.
That’s awesome you’re making money on RUclips. Maybe you will eventually make enough for your living expenses, how cool would that be.
You have no idea how awesome that would be. Wow that was in my mind when I started this channel. It was not the main reason. But knowing that is a possibility now to make a little bit of money from showing people how I retire early the good and the bad. Is pretty interesting.
Do you paark ya caar in Haavid Yaard? What do the North Carolina natives think of your New England accent? I hope you have researched your future Social Security benefits since they are based on your highest 35 years of earnings. If you have less than 35 year of earnings or you have some low earnings years then your benefits may be lower than they could be if you worked longer for higher pay than in your early earning years.
Yes, that’s where I parked my car. People are always giving me a hard time about my accent down here for the last 20 something years. Yes I have reached the amount of credit for years or whatever it is for Social Security. I think it’s 40 or 42 or something like that credit and I have met them. As I’ve been working since about the age of 16.
@@retireearlywithme The 40 credits are 40 quarters or 10 years of work. This is the minimum to get anything from Social Security. However your benefit is based on your highest 35 year of work. If you have less than 35 years then zeros will be part of that calculation. Create an account with Social Security and use their calculator with your earnings records to get an estimate of your benefits. Don't get a big bad surprise in the future.
@ yes. I already have my Social Security account. I am good.
Are you in an apartment?
Is a 550sf Condo 👍🏻
I don't wanna do nothing
Same here
❤
❤️❤️❤️
No need for a whiteboard. Keep it simple!
It seems like some people would like it so I might try it at some point. As long as I can get a white board cheap enough. Ha ha.
Whoo hooooi
👍🏻❤️👍🏻❤️
First time coming across one of your videos. Congratulations on your retirement. I do have to say your video was hard to watch. Could only get through about 2-3 minutes of it. I'm sure fewer tangents, fewer snarky remarks, and more maturity would help your channel grow.
Gosh I loved it. Sweetie just switch off 😂😂😂. But I’m sure he’s grateful for your comment as it grows his channel. Ta for that 😊
If I got ran rid of the tangents, snack, marks, and the immaturity, there’d be nothing left, but boredom.
Thank you for the support. I enjoy doing the videos, no matter if people enjoy them or not.
Be careful, ACA is gonna possibly change in 2026.
Possible
I think you’ve said in the past that you use the McDonald’s app. There’s usually some good deals.
I use a McDonald’s app a few times a week if not more. And there’s always great deals on there. And I always earn points. For free food. It’s one of the better apps out there if you eat out a lot like myself.
🤘🏻
🤘🏻🤘🏻🤘🏻
you can afford charitable contributions of at least a couple hundred a month
Possibility
Why don’t you donate $ 200 for him 🙄
@ 👍🏻😂💯
You don’t seem that excited about retirement 😂😂😂
👍🏻😂👍🏻😂