No longer young, no longer energetic to LIVE life as we are meant to do

LOL

Thanks for that 😂

You're a totally right😂

😢

More time with your wife might not always be ideal. I guess I can get annoying in huge doses. A few months ago I went back to work full time after almost three years and love it. I still feel retired if that makes any sense.

Retired twice got bored with the golf bats, shopping and generally finding things to fill days.

I retired 9 years ago at 57 from a high stress job that I liked but like you I work out, kayak , do jobs around the house and spend time with my wife. I don't miss work at all and I feel great.

Oh, brother.

@@charlesdudek7713 sign me up

While in my 50's I literally watched a friend of mine at work , work till 65 . The day he retired he dropped dead half way between the plant and his car end of shift .

I was with the company for 21 years. I was already thinking about retiring but one day, on the job, I had an accident and broke my back. 3 weeks in the hospital and 180 days on disability. I said screw it and called HR and retired. When I look back on the years spent there, I get angry for wasting those years of my life.

That's me and my plan 😂 December 2024😅

"I told the company nothing I had absolutely no feelings for the job or the people. Everyone that I cared about had retired or was dead End of shift on my last day I clocked out and just walked away". That's exactly what I did and how I felt! I'd been at my last job for 24 years. I didn't really care about anybody dead or retired though (well okay there were two who died who I liked and their deaths came as a bit of a shock to me). I don't have anything to do with the place I worked for and I'm not in touch with any of the people.

I hear ya.Just turned 60 and am pretty much over my job like you.I am on holiday and i think my notice will go in as soon as i am back.

We are trying to do at 53/52.

Me too!!! Congrats.

55 y/o for me 🎉

I am 54, retired from the military. Just beat up mentally and physically. Still have kids in the house. I was going to retire-retire, but just picked up a city government job. I’ll work to 59 so that I can qualify for a second pension. My wife is pushing me to keep working, but I am going to be done at 59.

@@ThunderStruck94660 I suggest you meet with a trusted financial advisor to ease your wife concerns about you retiring at 59.

That sounds like me! Awesome!

Sound like me too plus I enjoy eating in the mall and doing some shopping.

Congratulations! I will be retiring from teaching next year!

I’m retiring from teaching in 4 months!! Can’t wait

One month for me! Have a new grand baby coming in one month, as well. 😊 goodbye teaching! peace out 8th graders 😅

In 5 weeks I hope I will experience the same.

God bless you and congratulations!

@@brendad3570 stay healthy and take good care of yourself and you will enjoy your retirement. It's wonderful!!!

And that stress is what's casing to much pain, not to mention other health problems...cancer anybody? most probably :-( Glad you were able to leave early! I am too, and quite frankly don't give a damn about people telling me I am too young to retire...I will be 56 soon, and that's it for me! Time to enjoy life, not work it!

Retired yesterday feel the same way. Ahhhh!

I love this post.

Good job Wormie.

Absolutely! And congratulations on your retirement!!🎉

Best comment ever on retirement... the little fella you say? Man I am retiring ASAP.

Be careful mate things can become deflated with a decadent lifestyle, this blue collar worker earned his right to freedom more stressed breathing in saw dust and diesel fumes his whole working life.

I'm planning to retire next year in April. I'll be 54. That is exactly it. While you still have good health why not retire so you can spend more time with your loved ones. Others seem to forget that past 60 many people's health deteriorates and your quality of life is not the same. People look at me oddly when I say I will retire at 54. I invested when I was 22 so that is why. People have this idea you have to keep working til your in your late 60s. What their forgetting is your health deteriorates and you can't do the things you were able to do in your younger years.

exactly retiring next April at 56

I've been saying the same thing for years as you age time gains value and money loses value. I retired at 62 and moved to the Philippines after I recovered from a work place injury. No stress, no rent/mortgage/debt, cheap to live here, eating healthier and the wife here treats me like gold.

I'm 54 also. How do you gain penalty free access to tax sheltered retirement funds before age 59 1/2? All my retirement funds are sheltered and therefore, early withdrawals are penalized.

@@injanhoi1 I'm 54 also and have been investing in IRA's since I was 19, but can't touch it without penalty until 59 1/2. How do you plan on funding retirement?

I don't mind being up at 5 am, I'm up by 4:30 anyways even I could sleep until 6. It's the corporate BS I hate. Wish I can retire now. I have 20 more to go lol. Not sure if I can make it to 66 to retire. 55 is an deal age for me. Screw the full benefits age.

Still have to get up at three to go pee though 😂

All sounds good except the part about moving to another country. You better watch a lot of videos or vacation there before moving. It's very difficult and never as cheap as you think it will be. My wife is from one of those popular countries and we know it would be difficult for us to move there, both money and psychological wise. Better to move to a cheaper, slower paced 'county' within the US.

Portugal, Panama, Spain

​@@tobystevens3109well we don't know their income lol. Heck they might have $20k per month that is more than enough to live out of US. You're consider rich with $20k per month in countries like Philippine, Vietnam Cambodia, Mexico etc just saying. In those countries you can live of off $ 1400 per month or less.

and I like his presentation. No hype. Nice voice. Perfect for his job.

How’s retirement going? Any concerns?

Same here!😅

You deserve a pleasant retirement life!

I'm an industrial mechanic too. Since '84. I just lost my wife to brain cancer and just turned 60. I'm done on 5/31/24. I've had it the same exact way as you. I'm going fishing this summer, then I'll start doing some finishing touches on the house. I'm looking forward to every minute of what's ahead. I wish you the best on your retirement from someone who knows exactly what you've been through. Time to have some fun!

The economy didn’t shut down. Democratic governors and mayors across the across country shut businesses down with the purpose of laying blame on Trump. The economy was doing great in 2019 and early 2020. The Democrats strategy worked. Biden got elected.

I understand,my dad worked until the day he died,it doesn't have to be that way!

@@terrytitus5291 cannot express what kind of mark that may have left on loved ones. Devoting a whole life to work. My brother in law was 31 and had a heart attack at work. I started planning then for my exit.

@@cmbooks2000 so true. A male friend I worked with had a heart attack (56) & passed away at work. I am battling cancer & looking into retiring now at 62.

Thank you! I will be 62 in few months already planning my exit. This post came on time 4:30

Preach!

Do you have a pension?

One of the biggest benefits of having a nest egg is that it gives you more flexibility in life. When you don’t feel tied to a nine to five job you hate, your whole attitude changes.

Like you, I am a 53 years young female who decided to take a break from the workforce to do things that are really important to me and my family, after having a realization that waiting tó retirement age is a scam. I found many answers to my questions just by watching people who retired in their late 60s or 70s but can’t do much because of illnesses and lack of energy. Life can be short and eventful. Be safe!

I’m a little older then you and able to retire because of many smart decisions as well. After many years of saving 3-4K a month I’m able to retire early and with my wife’s pension and health has also retired early. I need to start working on my body after many years of abuse in the construction field. We love to hike and mountain bike and will soon do it every day. Enjoy!

Congrats on your retirement! My grandfather retired when he was 40. He then spent much of his remaining life volunteering and traveling. Unfortunately, I was not as fortunate to retire so early. I’m 60 now and not retired yet, but living outside of my home country and unemployed as of this year. I’m renovating my house now in preparation to sell, so I can return to Canada 🇨🇦.

Lucky you do not have to run up and down the hallways.

Totally agree with you about this. My wife is 5 years older than me. She's right at the point where we're talking on a daily basis about her retiring. Probably going to be at the end of the year. Just last week she went back to work after knee replacement and her boss approached her telling her that things are getting rocky and fiscal tightening needs to happen. That's right you're hours are going to be cut. Even though she's in very good health and has came through the knee replacement really well she realized during her recovery period that maybe it's time to move the time line up for retirement. Then she goes back to work the first week and finds out that her hours are likely going to get cut. Lets say we haven't had a shortage of topics to talk about this weekend. LOL. Financially it makes no difference if she retires today or 3 years from now. I'll be working another 4 years and providing the health ins. With our age gap were trying to find that sweet spot between her retiring and April of 2027. All of these things this guy mentions is spot on, but the age gap and when your spouse/partner retires is a big deal. So many factors. Another factor is we want to travel. We really can't right now because she doesn't get dink for vacation time, while I have it running out of my ears. If she was retired - problem solved.

You make a very good point that is rarely touched upon, consideration of your spouse's (and family's) health and well-being. Thank you for reminding us all of that.

That’s a very good point that you need to consider your spouse or partner

@@Lake_Lover Indeed

Good point

Thanks for that perspective, Carol.

And life expectancy for teachers is surprisingly low so great that you got out early.

After 45 years of full-time working, I suddenly made the decision to retire 18 months ago at 62. I had become fed-up with the stress and workplace dynamics. Best thing I've ever done. Yes, I'm more frugal now than before, but can still enjoy life. Time does indeed become more important than money. 🤗

My mother died 37 and I haven't seen my father since I was 4 I'm now 59 . My nince died while on hoilday at bali aged 30. God gives me the strength to go on

I will turn 63 this year and will have worked 42 years as well. I feel the exact same way you did and have been debating about retiring. Thank you for writing this because it helped me to confirm that this is my last year working so hard and not wanting to go to work anymore.

@@ctmybones I was losing interest too so when the opportunity came to early retire at the start of the pandemic, I jumped at the chance (59 at the time). No regrets. Might as well enjoy your years while you’re still healthy.

It’s funny that you say you did not miss your coworkers because I left a job after almost 34 years due to a layoff and don’t really miss my coworkers either. I think it’s important for people to know that the colleague relationship is very circumstantial and situational. While there may be occasions that you meet a real friend in the workplace, that is rare. It is especially rare when individual ratings are valued over teamwork and cooperation. The rating systems in the workplace do nothing to foster positive work relationships. In fact, they do the opposite.

I've also been thinking about retiring early in my 40s, but I'm getting cold feet. I keep waffling and thinking, "What if I don't have enough?" but I've done the calculations, and I have enough. I'm glad to see that you said it's been worth it 10x. Congrats that you did it!

I totally agree. I retired at 49, 7 years old. It was really nice to find this video as so many people have said that I was crazy. I did make the choice to move to a state where it is cheaper to live and had to move away from friends and family.

Rick I hope you're doing well. Get out there and do what makes you happy! Enjoy !

I guess I have one more year until I am permanently unemployed. 🤷🏻‍♀️

Any kids, wife or family?

Sounds like a movie script.

Wow!

Impressive!!!

I like your attitude! I hope you are doing well!

Well deserved. I'm a high school teacher and I'm retiring next year. Can't wait!

I’m a teacher too! Retiring in June!! 37 years is more than enough years of having no lunch and living by a bell.

Just so it3🎉 Don't look back 😊

There is an urban legend among newspaper people that once upon a time an editor for a NY newspaper died at his desk and no one noticed even though he hadn't moved for three days.

Great that you have found something meaningful. Good luck

Wow, thats great. . .and super smart!

That's freaking awesome. I wanted to do that as a 20 something. The movie The Dove was my inspiration.

Well done good luck long life

Almost exactly the same for me. 8 rentals going to buy a sailboat in two years and live off the rental income.

That's great,I believe there are investments that can grow some of the money.

How much annual income do you live on now?

Well I hope you’re doing some awesome cycling tours around the world!

I hear that quite a bit! Sometimes being “downsized” is the best thing for us if it happens at the right time.

Just curious you have had 5 years of retirement and wife still works. When does she get to stop working. It's important for a couple to be able to enjoy retirement together.

I'm glad the video was helpful as you make your decision!

what did you do for health insurance?

And this is why the French are rightly angry!

OK now; it's been nine months and two weeks since you retired. How are things going?

Good for some, keep active, stack, invest in yourself till you drop.

I agree with your first two reasons, but I wouldn't be in my ideal retirement situation (geographically and financially) without my financial advisor. There are great ones (like the "wise beyond his years" James Conole) and bad ones. My coworker who just retired was a "never financial advisor" person. He took courses in DIY investing and managed his own (company) 401k and IRAs. We compared notes about RMDs, Social Security, Medicare etc. His conspiracy theory about financial advisors has formed his uncertain future... or at least made it less than optimal. James has always advised "don't go it alone". Very sound advice. I for one am living proof. My retired coworker is proof of the downside of going it alone.

Me too!

I can retire if I want but found that after a year I got board I was traveling and working out everyday but it still gets boring when you have a ton of time it’s hard. I have the money to do what I want but all my friends still work it’s very lonely. I need the get more hobbies

@@joycebarnett6035 Interesting. I have that fear...Im I going to garden 7 hours a day?

What is financially ready?

It sounds like you are making smart decisions. I also got a fairly late start with my 401k, but maximized my Roth IRA and mutual funds in the later years. Compounding is a wonderful thing.

Retire overseas and come back to US when you get old.... many places south of the border will support that lifestyle with excellent healthcare and lot less expensive COL.

Ditto

I’m glad the video helped! Thanks for watching.