7 actions I took after age 50 to retire early -- plus, what would I do differently?
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- Опубликовано: 18 сен 2024
- I planned well in my 20s, 30s, and 40s, but what actions did I take in my 50s to retire early? Can I retire now? Retirement planning.
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PLEASE STOP USING Spreadsheets! It falls way short optimizing every retirement factor
Retirement Tool Link I reference and use and recommend -- New Retirement. Free 2 week trial. $120/yr after. You will buy this after trying (I have purchased for 4 years ).
NEW NAME: BOLDIN All my old links will continue to work for your free trial!
www.newretirem...
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Need a CFP to create your retirement plan for a one time fee? My Recommendation: Neil Fortwendel (812) 471-2492. Neil created my plan. Plan updates as you wish for a smaller fee. Check Neil out on Facebook and LinkedIn.
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DO NOT GO IT ALONE!!!!!!!
Money Pickle - FREE! use link to set up a FREE 45 minute dialog with a Financial Advisor
No obligation. Get answers to your questions. Get an expert to look at your plan.
moneypickle.com...
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RECOMMENDED FINANCIAL ADVISOR - Assets under Management or one time plan creation
Neil Fortwendel with Northwestern Mutual ph: 812 471 2492
Video by Lean Driven Reliability LLC
This is not investment advice. For entertainment ONLY. Seek professional help to understand your unique situation.
#retirement #retirementplanning #retireearly #retireearlyandtravel #financialfreedom #financialindependence #retirementincome #retirementstrategy #findingpurpose #keto #ketodiet #ketovore #hiit #hiitworkout #healthylifestyle #howmuchcanIspend
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*_PLEASE STOP USING EXCEL!!!!!!_** It falls way short optimizing every retirement factor*
Retirement Tool Link I reference and highly recommend -- New Retirement. Free 2 week trial. $120/yr after. You will buy this after trying (I have purchased for 3 years).
www.newretirement.com/?_ef_transaction_id=&nr_a=35&oid=7&affid=35
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*Money Pickle - FREE! use link to set up a FREE 45 minute dialog with a Financial Advisor*
No obligation. Get answers to your questions. Get an expert to look at your plan.
moneypickle.com/joekuhn
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*Plant Manager, Maintenance Manager and Career Consulting -- 1 hour virtual via Teams/Cell Phone*
sowl.co/s/bQifp
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RECOMMENDED FINANCIAL ADVISOR
Neil Fortwendel with Northwestern Mutual ph: 812 549 5213
Video by Lean Driven Reliability LLC
This is not investment advice. For entertainment ONLY. Seek professional help to understand your unique situation.
#retirement #retirementplanning #retireearly #retireearlyandtravel #financialfreedom #financialindependence #retirementincome #retirementstrategy #findingpurpose #keto #ketodiet #ketovore #hiit #hiitworkout #healthylifestyle
Joe, you need to do a video on examples of times your retirement group changed your mind from making a potentially dangerous mistake
I have one but can't find it right now. I will find it and post it.
“Retire to something instead of retiring from something” Well said!
Hi Joe. You sparked a car memory for me. My wife and I first car was a used Nissan Sentra. No air condition, stick shift, manual windows,. We drove it from Cincinnati to Amelia Island, Florida for our Honey Moon. We had a great time - did not know any better.
I forgot to add the Starlet had a manual choke.
We used a Nissan Sentra on our honeymoon as well! Went to Yellowstone and it managed the mountains pretty well for such a small car. 55-2 air conditioning at the time!
The real important thing to remember is that if you want to retire early, it’s a lifelong process, not just something you can do for a couple of years.
Lots of people fail and go back to work. Lots of others plan to take several years off and come back part time.
Retired at 52, thanks Joe. Tarpon springs Florida here.
Success is not built on success. It's built on failure, It's built on frustration. it's built on fear that you have to overcome. I pray that anyone who reads this will be successful in Life
You're correct!! I make a Lot of money without relying on the government. Investing in stocks and digital currencies is beneficial at this moment.
You're correct!! I make a Lot of money without relying on the government. Investing in stocks and digital currencies is beneficial at this moment.
Only as long as you stick with it.
Stick with it long enough and keep learning and it will come to you as long as you have an open mind.
Retired at 64. Still feeling the pull to go back to work. Listening to you helps me pull back.
Don’t go to the dark side
Currently living in Bonaire for the next 2 months. I retired 16 months ago at age 51. We started our fire plan 8 years ago. We didn't focus on new cars and shiny things. We sold our house (duplex), cars, everything and slow traveling now for 14 months. military pension. Proceeds are getting average 4.1-4.4% placed in 2-7 years
CD, treasuries.... Not chasing a "nickel". Our IRAs/Roth's are 70/30 ish sit as bucket 3. (Using less than 4%... Around 2%)
We retired to slow travel, diving the world, taste everything (🦂🦂🦂) in Thailand 😮. Iguana in Bonaire.....
Your last two videos are spot on....
I’m retired military trying to do the same thing I a couple of years. I do t want to hijack joes channel would love to ask you a few questions
@@Walk-retirement-travelshoot... Will answer if I can....😮
Great to hear from someone who really did it. Keep up the good work.
As another engineer with a few spreadsheets (but probably not as detailed as yours)...we plan to retire at the end of 2028 when my gov't pension is available to kick in. I'll be 62, so not retiring with the need to bridge as many years as you, but still lots of considerations about when to take SS as opposed to living completely off our other savings. While I kept telling myself I thought we were in good shape to meet our timing/life style goals, our annual free visits with a CFP made available through my wife's employer has given me the confidence that we' will indeed be ok. Good to have some professional, 3rd party input to at least give you that extra validation. Good morning from Dayton, OH!
Good morning Joe from Kfar Yona, Israel. As always good content. You helped me to retired earlier than planned as well as give me peace of mind while in it.
Thanks so much for the call out.
Another great video Joe on the power of habit and power of compounding in building wealth
Enjoy watching the videos daily from here in THE Evansville Indiana. My wife retired at 55 and i retired at 57. No regrets and we are enjoying traveling. Alaska and Boston were my favorite places this year.
Howdy Neighbor. I'm in Newburgh.
@@joekuhnlovesretirement We built a house near USI about 20 years ago. Plan on staying here until the grave yard. Newburgh is just far east Evansville with all the growth between here and there lol. I think your brother Ron still is on this side of town too?? Every time I drive by the old Country school it brings back memories of Fried chicken lol.
Following your channel for years. You are a true inspiration. Cheers from Hungary.😊
Wow. That is a long way from Indiana, USA.
Odenville, Alabama here. I enjoy your videos!
One of the things I did that seemed small at the time, was setting up my 401(k) plan to automatically increase my contribution by 1% every January 1st and every time I got a raise. You'd be surprised how easy it is to deal with that slight increase in terms of your monthly budget, and boy does it add up over time. Stay as debt-free as possible too! Don't sacrifice your future freedom for a fleeting fancy now.
Great idea
Began saving "cash", reducing 401K to only the match to allow Roth conversions in beginning retirement years. Started interviewing various financial planners since I knew we would need advise for the withdrawals coming up & my spouse isn't interested in the mechanics if I die 1st. Also subscribed to New Retirement. Retiring in a few months.
Great stuff Joe. Great stuff for us deep in planning.
Thank you from Down Under Joe- as always your discussion is factual and real, without BS and fluff, you are an inspiration mate! At 59 a couple of years to go for me, but countdown has begun!
G’day😁
@@joekuhnlovesretirement 🦘🦘🦘🍷cheers mate!
Thank you. 😀
Tons of nuggets in this video.
Hi Joe, I am from Alberta, Canada. I am 51 now and was planning to retire at 60. After following you and watching every video for the last 3 or maybe more years, I am thinking that 58 is going to be good. Joe, may I ask you to tell us about your experience with your kids, did they play any sports in school? what age did they start driving? did you pay for their cars, insurance?... Thank you. It is a GREAT channel!
Joe, I am from Caldwell Idaho. Love your remarks. Thank you
I’ve been close. My daughter lived in twin for 2 years. Love touring your state. Many trips to McCall and Redfish.
Hi Joe, stationed in Korea about to retire from the Army, 4 months from now. Keep up with the great videos. Thank you
Unlocked some equity from our house in 2012. Retired 2.5 years later. Low mortgage rate. Nice capital gain after investing in Apple and provided tax free liquidity to help bridge the gap to age 59.5. I wanted to pull the trigger in 2009 after the market crash but missed that opportunity. I wish we had done a 30 year mortgage instead of 15 year at 3.50%. Also opened HELOC which provided more flexibility. Don’t overlook the possibility of utilizing home equity in your retirement plan. Cash flow is very important.
Over 50 best financial decision I made was to actually budget. Actually set up a formal budget. It first required me to see budgeting, not as a constraint, but as a means to prioritize my money. I always had a negative view of budgeting Until I had that change in mindset.
Hi Joe, retired at 54 last year. Moved from Austin, TX to Bend, OR. I was a semiconductor manufacturing engineer. I appreciate your insight.
First time, long time, from “Up Nort” Minnesota. Great channel/content! I listen to stay the course. 56, and hope to retire by 59th birthday.
Joe - Another great video. My wife and I are hitting our saving and investing stride at 47 years old and this is very intuitive. I would love to see a video with a whiteboard showing Joe at 22 right out of college and going through the first 10 years or so of your career with advice for the kids of the majority of your listeners (AKA my 18 yo daughter) on key steps to take after college at your first career and the impact it has 20+ years later. Cheers from Richmond VA!
Try this... ruclips.net/video/7S_Z-5EECIM/видео.htmlsi=tuMzBJEvPGaxnYDA
Your videos have been very helpful and the comments are equally useful. I keep coming back and filter on the Newest comments to gain more perspective.
Great advice Joe!
Love your channel. Watching from windsor Ontario...diff counties but same concept. I'm 65 and retiring end of this month. So excited...cant wait. Thank you for your tube content
In our late 40’s and early 50’s we moved Any & All income into our brokerage account.
(We already were maxing 401k, Roth IRA, and HSA; and I retired earlier this year at age 53).
Increasing our retirement “war chest” was an obvious benefit….but almost as important: every dollar saved was a dollar NOT SPENT on “stuff”. If this idea intrigues you I highly recommend Rob Berger’s book Retire Before Mom and Dad.
Thanks for all your efforts Joe!
My bother in law always had a dream vehicle and traded every couple of years. The dream vehicles cost him $800,000 during his investing lifetime. At the age of 69 he wishes he had the $800,000.
nobody warns about consequences.
Good advice Joe! Thank You!
Billings, Montana USA
Great stuff as ever Joe. Fear and paranoia certainly does creep in- well it has for me. Important to go back to your plan and then stick to it. Try not to let it consume you. I read somewhere recently that if you look at your portfolio daily you will be disappointed half the time. If you look annually that rises to c90%. Mentally, I know where I’d rather be 👍🏻I’m a Scotsman living in Spain ☀️
Good advice. I know a guy that prints out his investments weekly and plots results. I would go crazy
I retired five years ago at 59, but love listening to your logical discussions, from home in Oregon. ❤
Hi I am in Perth WA; great channel
I loved seeing Perth. I travelled there for work
Retired from the military in 2011 and started my second career. 56 now and getting fed up with it. Thinking hard about retiring for good. Wife and I did fairly well saving and have what I think is enough. Never used or talked with a CFP since college, but just started talking to a couple to see if my plan and calculations are accurate. Started using BOLDIN recently after hearing you talk about it. Thanks for the tips and suggestions to help guide our journey.
You bet. Thanks for your service
@@joekuhnlovesretirementit was may pleasure to serve.
After 50 I opened a Vanguard discount brokerage account with a modest inheritance and set up an auto deposit based on my paycheck. Funds are invested in a stock index ETF and money market fund. Regularly increase the deposits with pay increases - don’t miss what you don’t see mentality. This one move has given my wife and I the option to retire whenever we want.
Was a terrible provider in my 20s. Joined the military in 2003. Failed in marriage then remarried. Failed many times in the military but survived. In a great financial situation now.
Birmingham, AL - my wife and I recently met you and Lisa on the Royal Princess in Alaska.
I agree that finding a good Certified Financial Planner (CFP), not just an advisor or insurance/annuity salesman, is very important. Don’t forget they need to be a fiduciary working for you.
Good to meet you on the ship. It was a bucket list trip. Thanks for reaching out to me. I love to see viewers. Making videos is a lonely affair. People bring the channel to life
Hi Joe - love your show! Kenny 71, currently living in Waterford Virginia.
Good morning, Joe. My husband retired from Aerospace Engineering last year at age 52. I'm hoping to follow him within the next two years. Thanks for sharing your journey!
Watching your videos from Hong Kong .
Awesome! Thank you!
I have been retired for three months. Between lunches with friends, redoing all of my landscaping myself, traveling, and volunteering, I am plenty busy. Saving/investing over decades, having a paid off house and a pension makes retirement fun. Life is good.
Melbourne, Australia 🦘
Great Videos and Suggestions/Ideals Joe.
Keep Up The Great Work Mate😊
I'm 59, at 60 Retirement 🎉
Cheers🍻😁👍
Congratulations to you. I’ve been to Melbourne.
@@joekuhnlovesretirement Kool Joe, it's Small World Hey,
l hope you enjoyed Your Visit, Sadly l haven't been US Yet👍
It's on my wish list in retirement with Canada 🇺🇲🇨🇦.
I had planned to retire 52 but my share income stream went bad not enough diversification, and it's been a Roller coaster ride till Now.
Finally, Everything is falling into place Nicely😋 but have lost 7 years of retirement hmmm 🤔.
I have become very risk adverse only in the last 5 months.
Thanks to your suggestions, lm setting a 2 or 3 pots, and with at least 7 years (Hopefully 10 yr) for future living costs in cash.
Thankyou for your easy to understand explanations, examples it's helps other's to make better decisions.
I have learned the experts aren't always right in the end it's better make your individual financial decision with informed choices.
Great Work Joe😁🍻👍🦘
Retired to South East Asia 2.5 years ago at 36 years old. Love your videos and the confidence it gives me to spend with my conservative plan even though I know I have a really long run way. Appreciate your hard work making the videos.
Maine here.
GREAT VIDEO Joe - I will be 52 in December so this really hit home, and agree on the Boldin (old New Retirement - get it..haha). Have always planned and knew I would likely be able to retire in my mid-50s but it is giving me the confidence to really attack the next few years. Metro Atlanta, GA
I love reading the comments - Central FL
They’re gold right?
Hey Joe
Thanks for sharing your journey!
I love that you raised your bucket 1 and 2 from 6 years to 10 years! Just makes sense if you can swing it. I’m 59, retiring in 6 months, right now I have $500k in each of my 3 buckets, pretty conservative but I bring in $50k of the $85k I need each year and if market tanks 30+%, i would probably put $250k from bucket 1 and 2 into bucket 3…thoughts?! Dave from Buffalo, Go Bills
Joe, can you share a little about why the CFPs did not recommend simply leveraging the Rule of 55 from your 401k until reaching age 59.5? I realize you retired at age 54, but I'm a little skeptical that sacrificing the 401k tax break plus employer match in your highest earning years to contribute to brokerage instead made the most sense. I'm sure you made the right decision, just having a challenge figuring out the advantage, even though 401k distributions are taxed as ordinary income in retirement.
thanks for this video. turned 50 in January and hopefully retiring in my mid-50s.
Good idea
Joe, I'm in Georgia and really appreciate your videos. I'm 60 and plan to retire at 61.
I should add that I have been using a financial advisor from Northwestern Mutual for the past 8 years and they have done the Monte Carlo simulations and testing my plan. I especially appreciate how they had me also work on a balanced portfolio of retirement and non-retirement funds. The spend down plan options have also been very helpful. I do plan to engage Boldin software in the coming months to start moving toward independence from my financial advisor. Or at least I can be challenged by Boldin to ask some more intelligent and challenging questions with my advisor. I am using the bucket strategy. Additionally, your guidance about retiring to something not retiring from something really resonates with me. I have developed non-financial elements of my own retirement plan. The elements include: Retirement Decision plan and review team, Identity, Phases of retirement, vision, goals, typical day-month-year, marriage goals, transition plan, parenting adult children plan, engaging friends, big purchases, the inheritance plan, travel, ministry service plan, work options for fun, health goals and routines, hobbies and interests. You may have read the book Halftime and Game Plan by Bob Buford, which I found very inspiring. I just picked up Arthur Brooks book "From Strength to Strength. Thanks for your efforts on these very thoughtful and transparent videos.
LA, CA - thank you! What are your favorite applicable audiobooks? Never mind, found your video from a few years back on the subject. Thanks again!
Hi Joe - Thank you for the helpful content! I’m 46 & planning to exit the 8-5 job at 50 to work a part-time small biz & build back several relationships. Fishers, Indiana
Fellow Hoosier
I’m 50. I plan to retire at 63. My biggest goal is to pay my house off so I can enter retirement 100% debt free.
Great video. Thank you from California
The best financial move, by far, is to contribute to a retirement plan in your 20s and continue for a few decades.
In retrospect, I would recommend contributing to a tax deferred program up to the company match but no more. Any remaining $ goes into a Roth IRA. Once that is maxed, contribute continuously to a brokerage account. Do all these things for 30 years and you’re on solid ground.
Wise
Mesa, AZ...enjoy your insights.
Another good video, thanks.
Glad you enjoyed it
From sciota pa.
I switched from regular to Roth 401k contributions. I also built up a brokerage account. Also, more recently, very focused on getting in the best possible health. I’m generally healthy but stress and other factors related to work do take a toll. This is actually my primary reason for leaving work, to remove stress and optimize my health.
Thank you! 😊
You're welcome 😊
Enjoy your content. Unfortunately I wasn’t smart enough early in my life to retire early. I will be retiring in a couple of years and I’m going to be ok 3 pensions.
Q. What do you call a GREAT employee, in a high tax bracket who prunes his own hedges? A. Plant manager.
Exactly. 🤪
You’ve spoken about wanting to retire early from a young age - and several of the things that you do regularly in retirement. Habitat, Parks, Family, History/Financial groups, Church, ability to spend time engaging in adult children’s lives, reconnecting with old friends, etc. You and your wife are actively engaged in your community and get a lot of fulfillment from that. You’ve touched on travel - making 4 - 6 short trips per year.
My wife is 62 and I’ll turn 60 next month. Both engineers. We are in Jackson, MS. Enjoy your channel/content more than all the rest of the financial channels - and I watch many…
You seem to subscribe to the Warren Buffett plan; i.e. 80% equities/20% short term. Buffett has stated that it is very difficult to outperform the stock market and that if he were a small investor, he could make higher returns with the majority of his holdings in an S&P index fund and money for near-term expenses in liquid assets.
Would like to hear you expound on travel/personal goals as well as more specific investment “advice” in future episodes. There is still A LOT to explore!! ☮️
I will get in trouble by giving investment advice. What I can do is tell my journey and decisions. I'm actually limiting my personal goals and trying more to enjoy the day. But I do have travel plans. Good video topic.
Words of Wisdom from Joe: "I like the topic, I put in the time and it's my new part-time job." That says it all. IMHO, Joe's videos are as good as the CFPs posting on You Tube. My go to guys Joe Kuhn and Rob Berger. But, Joe needs to expand his list of CFPs willing to do a plan for $3500.
I have a second CFP close to offering a plan only. Stay tuned. I won’t recommend someone that has not created a great plan for me.
@@joekuhnlovesretirement Joe, How about doing a video on "sample plans" from Neil? Any CFP you recommend should be willing to post a sample plan without any names or identifiers so we can see what we get for $3500.
Carmel Indiana
I’m 32 and I am just starting to invest for the first time in my life. I have started contributing to my 401K and opened a Roth IRA with automatic contributions. My question is, does asset allocation even matter at first, or am I just overthinking this?
There’s a lot to decide on… most times it is better to delegate your day-to-day investing to a license professional, someone with a comprehensive strategy that can cover many investment sectors
Magnolia, Texas
Love your channel and content. I’m 57 but wife is 50 and still 2 kids at home..
Ready to retire would love for you to look over my info and get you opinion…
I’m in madison, MS…
I no longer do plan reviews. Too many requests. I’m close to getting a CFP do this for about $300. I’ll keep you posted in videos
Can you show your one spreadsheet you use to manage your buckets? Also, for your yearly expenses, do you draw once (annually) from either bucket 3 or bucket1 ( if the market is down), or do you make quarterly draws?
No on spreadsheet. Too much liability and I have my own style of understanding of how everything works.
I look at my buckets quarterly and only fill if markets are near new highs. If down, I let B1 do its job.
England calling.
England is my next big trip. Perhaps May or June 2025
@joekuhnlovesretirement Think about Wales and Scotland too. From a visitor point of view , they're all essentially the same country :) ( UK ).
Cleveland OH 67 1/2 retired 3 months.
My wife and I have ever bought anything because we felt we deserved it.
I find it interesting how many people use this excuse to spend money.
Can you talk more or make a video on your retirement group? I looked for one in my area (DSM) and didn't find anything helpful. Will I need to create one like you did?
I mention in several. I will try another. Most get few views unfortunately
8 am here, impressive. only releast 1 hour ago this sunday am. 21 comments!!
What would I have done differently? I would have put together a retirement plan Before I retired at 58. Retiring without a plan is pretty stressful. I don't recommend it.
Exactly. But you’ll make it work
London, U.K. !
Wow.
Thanks
Wow
Grand rapids, Michigan
Australia, Qld. We have superannuation for retirement but it's locked up until you get to 60. My mistake is I'd like to retire earlier but had not planned for that or the government making changes to super. I'll top out of the new max limit for super by then even if I retire now (51yr old engineer). It gets taxed at the top rate when it does. Just remember the government can change the rules at any time and I assume it's the same in USA.
My mom says cars are just transportation. What’s the great pull cars have on people?
Wise
St. Cloud, Minnesota
A question outside this subject. Looking back would you had taken a sabbatical to travel or recommend it to someone in their 30s or 40s and basically delay putting more money into retirement?
Thought of this after watching the recent video of your cruise trip and the older individuals not enjoying as much.
If possible. Live your life. Experiences do early. Stuff - be careful
For the younger (
Great plan. Roths came around too late for me.
Harrisburg Pennsylvania
Miami
Washington, DC
Memphis…
Maybe you’ve mentioned this before, but could you provide a book list of your best reads? ❤ from Niagara, Canada
ruclips.net/video/DKND90flesA/видео.htmlsi=zInJOmf-edMnj5IS
3 years ago. see link.
I just took 50
Houston, TX. Cars are a big trap.
Testify!!!
Hi Joe. Thank you for the information. I just turned 50. I have a question about New Retirement/Boldin. Does the program have the ability to take into account dividend income from stocks along with the compound annual growth rate on the dividends?
Yes. Manually add the income as a source and adjust the return on this investment to reflect returns without dividends. Super easy
@@joekuhnlovesretirement thanks Joe.
Consistently live below your means and you’ll likely be rich in the years ahead….
Yes.