How are YOU planning for life as you age?

I'm retired. I'm not bored I enjoy not working and have a whole day to myself. I take cruises. Twice a year

I'm retiring debt free at the end of February next month at 58 to live life on my own terms 🎉🍻🎊✨️

I am older and here is my advice: Don't make $$$ the big all end all. Enjoy your life in the NOW...the simple pleasures that make life worth living. Give time to your children while you still can because they grow up fast, make time for all the things you want to do while you are young in spite of the costs...then when you get older and are ready to go, you won't have regrets. A top job, a big house, and a big pay check is not all there is to life. Make time for the spiritual. That is 100 times more important because you can't take it with you.

My dad had a family camp that he LOVED. And he said when he retired he was going to live there in the summer and head south in the winter. Well he retired and passed shortly after and never carried out his dream. When he passed, he left me the family camp and this year I’m planning on living there for 1-2 months this summer. Because if not now…then when??? I’m already 60 so I am just going to do it. Who cares what others think; it’s my happiness and mental health that matters. Just do it and live your dreams!!

I had a mom that was a waitress most of her life. Dad was a laborer on the railroad. Mom was a genius with money and taught me about budgeting and being responsible with money. Because of her I was able to live beneath my income level and always save for retirement. I retired at 52 seven years ago. As you mention very few people have money for retirement. Retirement is awesome if you live your life responsibly.

I have raised 5 kids in my own. Now that I will be a empty nester I have nothing.I am going to live in a van. Work part time or KZfaq until I can get a piece of land. Going to work my land and sell chicken eggs and sell my herbs from my garden. I'm going to live simply and enjoy my life. Thank you.I agree with you 100 percent. Love your life. Enjoy ❤

I quit my job at age 60 when my wife passed away from cancer at age 57. Took the SS survivors benefit and along with my pension lived OK. Little tight until I got on Medicare. Medicare with a supplement is pretty awesome. Low cost and great coverage. House is paid off, no debt, make my own meals for the most part. USBank tracks where your money goes into categories. So i know where my money goes, and constantly review it to see what I can cut out. Kind of a game. Considered going back to work just because I enjoy people and the social aspect of work. You don't have to save a lot, but just start saving early. Your money will grow 3-4 times over 30 years. Passive income. I count SS and my pension. I also have monthly payer stocks that provide dividends monthly. You don't need millions to retire if you don't have debt or expenses.

The first thing I did was buy a fixer upper house when I started working so I had no payments when I retire. I am also able to put $1,000 a month away, all this while raising 4 children.

I had to retire at 36 from a massive stroke. It's been 9 yrs& I'm still hemiplegic. It can happen at anytime.

I work in healthcare and primarily serve older adults and the elderly. The #1 thing ive learned from them is dont wait to live, take care of body/mind, spend more time with the people you love.

Good video. My husband retired at 63 and I retired a few short years ago at 60. We both have government pensions and I draw SS. FYI...We didn't have high paying jobs. We planned it so that our home would be paid off when I retired, and we haven't had car payments since 2005. We save and pay cash for vehicles and other things we need including travel. We don't go in debt for stuff. We have raised 2 children and had fun traveling (near and far) with those kids and after they moved out. Since we had government jobs, we were able to take fairly long vacations (1 to 2 weeks mostly). Early in our careers we were able to take 4 weeks off to travel across country in 1991. So, I have to admit we didn't wait for retirement to travel and do fun adventures. My husband has family in Hawaii and AZ, so we traveled to both of those places a few times over the years. We sacrificed having brand new cars, lots of new clothes/shoes, and had a specific budget for our trips. Lots of times I packed sandwich stuff, snacks, drinks, etc. so we could picnic at rest areas, etc. We didn't go to fancy restaurants a lot on our travels. If we did go out to eat, we all got water, no appetizers, and less expensive meals. Sometimes, my daughter and I shared a meal to save money. We lived comfortably, but not extravagant. We decided we wanted experiences instead of a lot of expensive stuff. We kept the same TVs for over 20 years. We have only bought LR furniture twice in our married lives. We started out with used furniture from family. I could go on, but I think you get the picture.

As a retired person, my spouse and I have spent our entire lives sometimes working and sometimes playing with our 2 children and sometimes just traveling. We did what we wanted when we wanted so as nomads not much in the way of assets but tons of adventures on sailboats. We live on very little social security, but we are debt free and still travel all the time, currently surfing in South America. If you and other younger folks are reading...do what you want to do now.

Great point about a work-life balance being essential. I think that living a happy life while being frugal is the key. I'm 62 and the Great Financial Crisis of 2008 wiped out all my savings. Since then I've learned it's not what you make- it is what you keep. I've been able to pay off my house and catch up a bit so I can retire within the next five years. It's never too late to get smart with your money.

My husband and I come from two completely different experiences in life. My mother and father worked their whole life really hard to raise us and both died really young. My father collected exactly 4 social security checks. My husband on the other hand has parents in there 80s and 90s so saving for the future has been an issue….I feel like let’s live our life and he says save save save. It has been an adventure for sure. We are both 60 and debt free and are not going to be jetting off to Europe in retirement but will be able to enjoy….there is no magic formula…good luck to all😘

I will never understand why Americans put up with the employment conditions, healthcare system and lack of government assistance. Its an appalling and discriminatory system unlike any other in the civilised world. My daughter had surgery on Wednesday and almost died, it was a huge wake up call for me to stop waiting for life to happen. No-one is guaranteed tomorrow.

You are not a materialistic person. You are free to live and not tied down to take care of things❤

Remember that being a parent for young children is just a season of your life. If you can afford to quit work, or reduce your hours, fine, but if not, enjoy the time you do have, a day off here and there and weekends. And this comes from a mom that was widowed at 36 with 2 small children at the time. I worked 3 part time jobs to feed and shelter us, and pay for wants and needs. I had to start over, sold the family home and bought a small, run down flat, which I made up. Sold it and did it all over again, and sold it.. Building equity until I was able to build my own homestead from scratch. I am 55 now, working 4 days per week at a work I enjoy, planning to work until I am 68-70, and I go to the gym at work, and try to eat healthy. As a single mom, my focus was my children mainly, it costs money, they both attended soccer and I followed them up, a a "soccer-mom" driving them to and from practices, games all that, it all costs money, and I didnt want them to feel left out. One needs money, and I dont feel bad for working to pay for a good life. At the end of your video you say that you need to sell assets in order to paying for a health care facility. Well, in these times, young people are struggling to get into the property market, and it is utopia to think they will manage to pay the mortgage off, and not being at work. You have succeeded in what you do, but starting a business is not for everyone. You glamorize the fire movement, but you are still young, with a young family, you have your days filled. And being able to retire, you need a good paying job, and to get a good paying job, many are drowning in student loans as well. I would not retire to eat beans and rice the rest of my life. I sounds like working is holding you back in a way, but I feel the opposite. My work, on a relatively low income in the schoolsystem has made me where I am today, paying off my mortgage, and built my dream homestead. A smallish house that I can live in as a senior. On my journey through life, also with my children, I saved up so we could go on a nice vacation every other year. We have been travelling all over Europe and USA. Cruises and roadtrips. I wanted to let my children see the world, the differences and how fortunate we are, we are able to choose in life. In additional to money, the work lets me have companionship, which I would loose if I quit now. Fire can fit some, but think careful through pros and cons, and financially, find an employer with a good retirementplan.

If you own your own home, no mortgage, in a high property tax and sales tax state (FL,TX) the fact that you are retired and living on Social Security is not as big of an advantage. You will be paying a large part of your income on taxes. High property values equals high taxes. You can not spend Assets(House, stocks) unless you sell them. A lot of people are asset rich and cash flow poor. Be aware of the H.O.A. and Zoning trap, limits what you can do with your property, will often cost you money for limited usefulness. They go up in cost with time. Be careful of insurance costs, both auto and home. Be aware that if you live in a storm surge or flood zone area you may need to relocate when the evacuation order is given. If your property is struck by a storm or flood, Insurance will not cover all your costs. No matter how much you pay or who insures you. Riding out a storm if you are old and retired and do not have family to support you is not a good thing to do. Be aware of community support and infrastructure, a lot of places are very mercenary and will charge you for almost all services. A lot of places are sold as good places to retire and are not as good when you do the numbers.

You are a breath of fresh air and calm a lot of nerves I have. Your videos give us confidence! It’s so valuable. Thank you for posting 🙏

I have been following you for years because you remind me of myself & my previous situations. Long story made short: lived simple life in many dwellings situations (RV, Trailer, rehab homes). I always limited my home purchases to 120k at most to match my lower income salary. My last 2 homes were definitely fixer uppers but sweat equity paid off. I lived outside Austin, TX and in 2021 noticed the population explosion & property taxes (as well as home price, grocery prices & insane traffic conditions) increase exponentially. My low income government job (I wanted insurance when I retired) hit its mark so I could qualify for small pension & health benefits for life. During my 13 years at this job, I worked overtime & saved 30% of my pitiful salary(always remembering my end goal). Not easy but my generation (I am 65 yrs old) was prone to saving & frugality. I sold my fixer upper for more than I ever dreamt possible. Took profit & bought cottage in East Texas forest (closer to grandchildren). I paid cash for this fixer upper & made sure property taxes, insurance & living conditions were low👍🤠. Also I paid off my 2020 Mazda in 2021. Live simple, feel blessed everyday I wake up & have Medicare now but backed up with my BCBS. I also stuff every available penny into my TSP. Emergency funds are important when older. Good luck, enjoy your lives & please stay debt free ( or get out of debt ASAP following reasonable plan). God Bless everyone & great job Wildflower child!

For me ,it has always been about balancing between living here and now, as well as being adequately prepared for the future. How we each do it might differ. My method is different from yours. We decided to work really hard in our20s & 30s, slow down in our 40s and " retire" by 50. FIRE was our aim. We are in the top 10% income wise so we have been able to do that effectively. We didnt have to work ourselves to the bone getting here either. We have a home based biz . Worked really hard in our 30s but from home. Could afford a housekeeper and nanny though I was home a lot and speng quality time with my kids too, just freed from struggling with household chores. It was way cheaper to get help for that as my time was best used working on my biz. We slowed down in our 40s and by 50 we had a real estate portfolio that brings in more than enough. We are in our 50s now and just manage our assets with lots of free time to do what we like. Kids are grown so we live life at a leisurely pace.

I don't think everyone or most people hate their jobs and there are ways you can be flexible about how you work like going part time when kids are young or in later years. My sister is a doctor and now at 60 works only half a day , 4 days a week. She did the same when kids were young. Now she just works as she enjoys it. I am a trained teacher and quit to do substitute teaching when my kids were young. I would just work a week or two a month. It pays well in my country. Also did free lance private tutoring ,that too pays well. Could easily make 5k a month doing both of these part time. I would say determine how much you need to live on comfortably and for retirement factor in inflation and then some. Many underestimate " Murphies" and even inflation. Also , in my later years I don't want to have to worry about money or go without. I feel sorry for seniors who need to cut back on heating or food to get by. It's easier to do that while young rather than older. Just like backpacking maybe fine in your twenties but I never wanted to travel that way after 35.

I retired at 35 years old last year 2023. Retirement actually time go by faster than working. I go camping, hiking, hunting bulk, deers once a month.

Omg, I was just talking to my bestie about how people's ultimate goal is to work hard in the early years to not work at all in later years. Since society has engrained everyone to believe that's the only way ppl follow it. Not too many can comprehend what you're saying here!

This is such a good video. I quit full time work in 2009 because I hated my job and couldn't see the point in suffering all those days of my life. So I am self employed now, with multiple side hustles. I don't earn as much but I love my life more, and I can imagine doing this well into my retirement years provided I have my health, because I cannot imagine one day just 'quitting'. I want my older years to be as productive and interesting and as creative as the ones I have now. So I am stealthily planning what retirement might look like, but of course here in the UK we have slightly different things to prop us up like the state pension and with a few side hustles and some savings, I may just survive it!

I would not want my retirement to look like this. If it does i failed

Don’t listen to others. You are exactly right. I worked shift work, call out. I missed so many holidays with my husband and kids because of it. Anniversaries too. Just to make a living and help provide for us. Looking back, I regret missing out on so much with my family. It’s not worth it. I’m now a widow living alone at 70. I work part time for the very reason you mentioned. I get bored on my 4 days off. My job gives me a purpose in life and keeps my mind busy. I’m debt free and own my home. I’m not rich but comfortable. God has blessed me. You are so wise at your young age and doing the right thing for you and your family. Put God first, then family. He will provide. 🙏✝️

You are absolutely right! Until 2019 my life was consumed by a full time job complete with 401k & benefits. As a single mom it was the best choice to leave corporate life, cash out my 401k, started my business (commission based) to be a more present mom to my boys. I love being able to work at home on my own time, spend time with growing children instead of living in an office working my life away for a ‘retirement’. Now I work just a few hours a week loving my life wholeheartedly. Such a blessing 🎉

I raised my 4 children (all adults now), I have 4 income streams and help others in their midlife and retirement journey to do the same thing. I am now a young grandma and want to retire before I’m 53 ❤

I am 66 and my husband will be 62 in Nov and can start collecting SS, unfortunately he has not been able to work since Oct because of several eye surgeries. we are debt free and of course own a very modest mobile home in a rural area. I was a stay at home mom for most of my life so my social security is below 800 a month, we have been able to continue living our frugal life with some dips into our savings but the largest hit we have taken is the fact that physically since half of our "team" is down there are several home projects we normally would do ourselves that we can't as far as home upkeep. Where we normally would have no problem doing the roof ourselves, now we will have to hire that out. we normally have a large garden which won't happen in that capacity this year which will make an increase in our food budget. These are the things right now that we did not plan for that we wish we had.

I am retired on social security but also have money banked. I enjoy staying up as late as I want and no alarm clock. I am frugal and make all my meals at home rarely go out to eat or fast food. I live in the city but own my home and grow a garden every year. I am a Canner so what I grow I preserve. I am debt free and plan to stay that way. I don't have children but do have younger friends in their 20's who will take care of me when I am unable, they will inherit my home when I am gone Yes I have a Will and all the other legal documents. I do need to work on being more physically active especially in the winter months when I am not able to get outside and do yard work or take walks when it's bad weather. I have 5 dogs who make my life complete. I am doing good. Anna In Ohio

Intentionally living the life we choose to live can bring criticism and misunderstanding. I am 65. I am married and have 5 children and 5 grandchildren. Some of us live a lifestyle that may look counter cultural to others. Here’s the reality. We still have freedom of choice here in this country. I chose to go without a car for a few years because it afforded me the financial freedom to raise my kids myself. There were other choices I made to go with the no car plan, but my point is I intentionally made these choices for freedom sake. My friends thought I was crazy. They commented regularly about it. I would do it all over again today. My parents had the means to buy ant car they wanted. They chose in retirement to keep their paid off car as primary. A town car if you will and rent a car or truck or van when it would be a long trip or something they wanted a bigger car for. My dad ran the numbers and it was wildly a better financial choice rather than letting go of 40,000. Plus insurance and needing to house the car repairs etc. It sounded strange to the average person but they weren’t average people. They were exception people. Their finances were exceptional too.

Invest in index S&P 500 or Nasdaq 100 ETF.

Love this i am low income but make frugal choices that help to make financial progress

I would happily downsize to a tiny home now at 50 and spend more time hiking and exploring national parks. If we sold our house we could buy one outright. The problem is it’s practically impossible to put a tiny home anywhere in Canada unless you rent the spot and I don’t want to open myself up to never ending rent increases and the instability of someone else owning the land I live on. I kind of feel trapped.

House hack, modest lifestyle and passive income streams are the way to go. You rock!

Great video. I’m working OT weekly to pay off debt for this very reason. I’m 43. My plan is “Debt free by 53.” So I’m putting in as many hours as I can and staying on a written budget. I want to have a low cost of living so I can travel and be at my own leisure later in life. Trying to teach my 16 yr old son the same. (He’s 1/2 way on board 😊)

I am one of them at 53 but I am working on it! 💐

Excellent advice. As a senior all the frugal suggestions also apply to us.

Great video. 👍🏾 I felt like this a long time and you explained it so well. I needed to hear this. Thanks for the content.

Preach Sister!! You have such words of wisdom. Thank you for speaking the truth, blessings to you and your family!

I agree with your suggestions but the million dollar question is how much does one need to retire? I don’t agree that you “don’t need a lot of cash” because it depends what a lot means to someone. To some a million or 2 isn’t much to others 200k is a lot. Depends also how long one lives. I have seen folks who retire at 60 with 200k in cash savings for emergencies,hoping to live on social security. No debt.But 10 years and 2 big emergencies later they are down to less than 50k with Social security that no longer covers their basic expenses due to inflation. They then start panicking but are too old to go back to work at 70. Most underestimate how much they need because the future is unpredictable both in terms of inflation as well as our emergencies which might mean medical or even home, vehicle repairs and other situations. Insurance doesn’t cover everything so a serious major illness can really set one back. How do you factor this in?

Amazing video Katie. Thank you for your tips and bringing up this topic. My advise to all the youngsters would be to live frugally, be debt free and save $ to purchase real estate.

Im 53 years old. I really valued raising my kids and spending all that time with them so I was a SAHM for most of my 3 kids childhoods. I also homeschooled them. Near the end I started working very part time. Now that they are all adults I am working a lot and saving 22% of my income into retirement accounts. I plan to increase this to 30% next year. I plan to continue this until I am a gramma then I will cut back to part time again so I can help with my grandchildren as much as possible. I probably have about 5 more years before that occurs so I am saving as much as possible. I also am debt free and plan to stay that way. I’m not particularly frugal but I did down size and have a paid for townhome now.

Debt is the most important thing to not have, when you retire 💯 retirement fund(401k) is also very important 👍🙏

Good video, and an efficient and practical plan. Having a paid off home, no car payments, no credit card debt, and some money saved prior to retirement can make the transition to semiretirement and retirement much easier and less stressful. One doesn’t have to be making six figures a year to make that plan above a reality. It’s a matter of not trying to keep up with the herd in constantly upgrading cars and electronic gadgets, excessive and unnecessary consumerism. Living simply and prioritizing what it’s worth spending money on can make a big difference.

Full of candour and wisdom

My goal was always to have the house paid off and then to save so we have money behind us . Both achieved , No debt ,no credit cards and when 67 pension age will receive a full pension plus a small private one . I am 53 . Its possible .

I earn 10k per month in passive income. It took me 28 years! I literally made investing my soul focus. I always only lived and set my budget on what my investments generated. My working income is 100% saved. I currently work at a mack dealership earning 18.00 an hour. And I am the highest earning person at the facility. I still save 100% of my paycheck and invest it.

I admire your down to earth lifestyle and desire to plan ahead. I would like to, respectfully, comment on a couple of your ideas and points. You mentioned living in a free place. My husband and I are completely debt free including our house and we pay $365 per month for real estate taxes. There's no such thing as a free place to live. Sadly. Another point you made is that you would sell assets to cover nursing home care. If you are already living frugally and plan to keep doing that, you wouldn't have a lot of valuables to sell, and if you sell your house, assuming you plan to eventually buy one with the profits from your Florida house, then have to sell it to pay the nursing home, you would be no better off than anybody who doesn't have money to cover that huge expense including homeless people who go into a nursing home. You wouldn't be leaving anything to your children upon your death. Some other ways to save money are with being free of vices. They are unhealthy and cost so much money especially once a person be comes addicted its best to stay away from them altogether. Pets are becoming so much more expensive because of pet health insurance. Vets know pets aren't a necessity. My husband and I are 73 and 69. We are debt free, We have long term care insurance, live on half of our modest income to save for home repairs, our next car, and trips to Colorado to visit one of our daughters and grandchildren. We are not wealthy but we are frugal, plan ahead, and use our money for our financial security, and to help our family, church and charities. Keep posting. I enjoy your vegan cooking videos and look forward to more of your frugal ideas. Janet.

Thanks for making me think about retirement.

Very wise words!

Thank you for talking about retirement. I have thought of that frequently in regards to your videos. More actual dollar details would be helpful since you share all your other budget details

You are my inspiration 😊

Bought my condo at 38 and started investing for dividends. I was hoping to buy a second house and rent out my current home... but with this administration (IE currrent inflation/mortgage rates/home tax rates) i don't know if that goal is possible. We just have to adjust with the times. My parents both worked for the govt... recieve a pension and social security, but still live check to check so to speak.

Love your video, very insightful. Aim for the greatest Good. Happiness is a terrible goal. Do what’s meaningful regardless of the pain and suffering. Money is a means to an end. Love God and people. ✌🏽

Love these tips on how to retire early even with low income. I like saving as much as I can then investing the rest in stocks to let compound interest work its magic.

This video is an inspiration to me ❤

Even if you’re debt-free, and living on a low-income, expenses arise that you didn’t plan on. Also expect to not be able to afford health insurance in the US, and to live a healthy enough lifestyle where you *never* go to the doctor. Also make sure that you over-plan everything down to the detail, so you *never* have to ask for help. Life as a solo senior rocks! 🎉Not. 😔

Great tips

This was a great video. I am a 60 year old woman with two daughters in their late 20s One of the first things we have told them as soon as they possibly can start a 401 k. Also put aside an emergency fund even if it’s 5 dollars a week. Not if something breaks but when. Going to share you page with them

I don't agree with anyone criticizing your life. I think your life seems beautiful and like absolute freedom. I would love to be able to enjoy my best years when I have the most energy and my health is good. Traveling is a major goal for our family and I just can't figure out how to make that happen without working full time. I love your videos and you give me inspiration to live a better life!💜🌵

Don't have kids and enjoy more of life. It needs to be mentioned more often. Why are people broke and having kids?

Young folks- stop buying all the “stuff” that clutter your home and save like crazy. If you like the job you have at retirement age- keep workin unless you are very socially engaged.

Good reminders, best of luck to you and blessings for your family. God and Jesus love you! ❤ Keep up the great work. 😊

Hello 👋 , my husband and I are retired at the age of 50 and 55 years old we don’t work we still budget and watch what we spend we go on vacation twice a year for 21/2 months at a time we came back December 29 th and we’re going back in April for 21/2 months I started my u tube to show people how I save and what I do , you know what works for you .

Good video

Im retiring in June. My advice is to live frugally and save/invest your money. Most of “the latest and greatest” items end up in the landfill. If an item still serves its purpose, keep using it. Be realistic about how much of anything you really need.

38? I had you pegged for 50. I have lost my judgment. Plan on supporting those kids

I retired at 61 and will take Social Security at 63 because I was able to set aside some cash to cover me for a couple of years since I had no debt. Advice for younger people is: pay yourself first no matter the amount. Define your wants and needs. Think HARD about what you may define as a need. Retire debt free - home, cars and credit card debt. As far as being bored in retirement - there are plenty of things you can do. I’m on the Board of my HOA, work DoorDash a little for fun and pocket money and will volunteer at a local animal shelter this year. There are plenty of opportunities to volunteer and help others so being bored can be avoided. I managed a swimming pool last summer - 3 months of flexible P/T work pulled in $5000, and it got me out of the house. Time is on your side when you are young so take advantage of that by saving early. You are well ahead of others your age as far as financial planning and retirement. Smart lady…

You want to be healthy and sharp in your older years? Cut out all sugar and keep very low carbs. No alcohol or smoking.

Must read "Your Money or your Life" by Joe Dominguez and Vicki Robin.

Be sure to budget for Medicare supplement for you and your husband. Right now it’s about $400/each per month to be fully insured. Medicare only pays the basics. If you get seriously ill it will bankrupt you. Also remember property taxes and insurance on your paid off home/land. If you can invest $100/mo in an index fun now going forward, you will have a huge nest egg at retirement.

I resigned from teaching at 52. I realized that I was trying to buy my happiness because I was miserable at work. Now, I don’t waste money, and I’m much happier. I’m fortunate that my husband still works. But I’d rather move out of my house and into my van than teach again.

My husband is 67 & still working, he recently celebrated 25 years on his job. His goal is to put in 30 years to max his pension.

Hi dear Katie, I am 41 years old, a single mom of a 14 year old child with mental, behavioral and developmental disabilities, I have no family support, my income is very low and so unstable, I receive help from the government for my son medical needs, food, his SSI, thank God 🙏🏻because it has been VERY difficult for me with so many responsibilities every month, it is a stress for me to get money to pay bills monthly and rent in South Florida, I want to move out of here, but we can’t yet. 😩 I don't have a single dollar saved for my retirement, I always think about that but it has become too much for me to save for that. The little I have been able to save is an emergency fund. And if I save/invest in ROTH IRA, I'm afraid they will take me off welfare with my sick son 💯 depending on me and under my care. Since the pandemic I became frugal and minimalist, my debt is now almost $1,000. Could you give me any recommendations in my personal and complex situation? I am very worried about my retirement among many other things. I love your life, your beautiful family and your lifestyle, I love it! Thanks Katie 😘

I am 55 years old I live of a pension rent government house have fully funded emergency fund

Do you currently have Income or are you living on passive income from investments? One problem with social security is Inflation. The other is unexpected expenses like med. Income producing assets is the what we have , so we are semi retired now. Work much less than we did 10 years ago.

I'm a bit confused, don't you get some monthly Money from your Gouvernement after reaching the retirement age? Are you really left without any Support from your state/Gouvernement in American and have to save up yourself until you retire? ( I don't want to offend someone, but I'm from Germany and it sounds a bit harsh, to let people alone, after working for your country a whole life).

What are some towns/cities in TN that are inexpensive?

Hi🌹how can i connect with you?

Retire in Seven years of Work, Double Retire in the 8th year, Triple Retire in the 9th Year, Double-Double Retire in the 10th year and Double-Triple Retire in the 11th year

I guess your here to teach many common sense...