Our Surprising Early Retirement Strategy Revealed

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Our Surprising Early Retirement Strategy Revealed

Рет қаралды 38,624

Күн бұрын

If you are 60 years old then you likely have 1,000 weeks of healthy active time, putting retirement off for more money is throwing time away, your best years of retirement are now. Here is our story to share some practical ideas of how we financed early retirement, ways to generate income in the early years of retirement before you collect Social Security or Canadian Pension Plan.
#retirement #retireearly
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Пікірлер: 457

@barbaraebner5889 Жыл бұрын

You both did it right. I am 70 the Mister 71. We had high hopes to “do” in retirement. Our bodies thought otherwise. Sooner you go the better so you can DO.

@ThisIsOurRetirement Жыл бұрын

Thanks for sharing Barbara Cheers 🍷🌺🙂

@pensacola321 Жыл бұрын

I respect Tina & Norm. They seem to be very close, they work well together and seem to be a sweet couple....

@ThisIsOurRetirement Жыл бұрын

Thanks so much 🌺

@kburkes4245 Жыл бұрын

Getting out of debt, living frugally, and being content are absolutely the keys to a good retirement ❤️

@ThisIsOurRetirement Жыл бұрын

We totally agree have a wonderful week Cheers 🌺🙂🍷

@petermorris3665 Жыл бұрын

Thanks both. I think it is safe to say that, with 62,000 subscribers, you can't just be '2 old fools'! I particularly really appreciate the photos of you both in your youth. Personally, I'd appreciate maybe a video about your life journey - more details/photos on your early years in the UK followed by details /photos of you both in your middle age etc. Young people seem to struggle to understand that us older folk were once young!

@pensacola321 Жыл бұрын

62k subscribers will produce a nice income. And Norm & Tina do work it hard. People ( probably older, like me) do enjoy the content. They seem like very decent folks...

@ThisIsOurRetirement Жыл бұрын

Our pleasure! thanks Peter for the suggestion agree all us oldies were definitely young once LOL 😂😂 Cheers 🌺🙂🍷🍻

@ThisIsOurRetirement Жыл бұрын

Thanks so much we really appreciate your support Cheers 🇺🇸🍷🇨🇦🌺🙂

@SharrontheCarNut Жыл бұрын

Can you advise when approximately you got the sale on Via Rail for your train trip on the Canadian.

@list-and-sell Жыл бұрын

the key to a happy retirement is no debt. Do the work of getting out of debt before you retire. The peace of mind makes all the difference. We are blessed to have always chosen economical house purchases and paying off the house was attainable before retiring.

@ThisIsOurRetirement Жыл бұрын

We totally agree being debt free is the secret ingredient to retirement Cheers 🌺🙂🥂

@bcusaaus4749 Жыл бұрын

My thoughts are consumed with how I can retire. I’m a late starter. I was caught up in consumerism and debt to finance stuff and trips. Dumb stupid and ignorant 😢. I’m on board now with no debt and an emergency fund. I just don’t have enough to retire. I keep cutting back on wherever I can. Thanks to your channel, I always pick up a new tip!

@ThisIsOurRetirement Жыл бұрын

Just remember when you say you don’t have enough 🤔do a budget as to what you need and what pension money 💰 you will get and you might be surprised at how much is enough. You can always move to a lower price area like we did and that might surprise you Cheers 🙂🌺🍷

@ginacardarella Жыл бұрын

Your not alone ❤ they also have 2 incomes and you have to know what your doing in stocks and the mkt is planning to take a dump you have to be careful

@dosvaskosfarms4643 Жыл бұрын

I love the fact you busted the whole have to have a $ million to retire. Living debt free and frugal is key. Spot on, I hope folks listen to your advice.

@lindad6223 Жыл бұрын

30 days to go, retiring at 62. Small pension, SS survivor's benefit (widowed at 52). I have enough savings (not millions!) and the house is paid off. Not wealthy, but it's enough. and finally will be in a low tax bracket!! I'm not falling for needing a million and trading precious time for a few more dollars. If you're in Portugal this fall, we may cross paths... I'm walking the Camino... how's that for launching into and hopefully extending my "healthy, active go-go" years?!?

@ThisIsOurRetirement Жыл бұрын

Wonderful Linda we wish you a happy retirement 🥳 probably not the Fall we go January to March time in Portugal 🇵🇹 Cheers 🙂🌺🍷

@buffycat4641 Жыл бұрын

We need people like you two and other successful retirees to teach classes at local junior high schools or earlier about basic finance and saving for your future. I know when you are young it never occurs to you that one day you will be old and hoping to retire. But with a little bit of good advice saving for that retirement can be almost pain free if you start early enough. For instance when getting a raise I just automatically put it into savings, and never even missed it. Thanks for another great video.

@ThisIsOurRetirement Жыл бұрын

So glad you enjoyed it yes finance advise should be taught in schools Cheers 🌺🙂🍷

@coletteoconnor3566 Жыл бұрын

Definitely agree that Tina and Norm and others like them should visit higher schools and colleges across the country. There is not enough education on managing finances for this age group 😁

@Wingeezer 11 ай бұрын

You've pretty much described what we did. For example, when we had mortgages I always told the mortgage company to take double payments each month until I told them to stop - never had to tell them! I retired at age 56 - now 80 and have enjoyed every minute of it and still do! - from another Brit expat !

@ThisIsOurRetirement 11 ай бұрын

Wonderful thanks for sharing Cheers 🇬🇧🍷🇨🇦🙂

@markdraper4087 Жыл бұрын

Another great video guys. Now in my early 50's, with my wife just over three years behind me, we have been really watching our investments and spending. Our passion is travel, and we love the idea of setting aside funds for 10 years of active travel in retirement. We are also going to partially retire, and fund travel and normal living expenses with that income for 3-4 years while not touching our investments. You guys are not only a valuable resource, but an inspiration.

@ThisIsOurRetirement Жыл бұрын

That is awesome! sounds great Mark we set a travel budget of $25 K a year for 10 years , but although yes we pulled from that in the first 5 years it has got topped up so it’s no big deal . Thanks for watching Cheers 🍷🙂🌺🍻

@grahampicman8286 10 ай бұрын

Our 'retirement' story started way back when I was 22 I guess (now 67). I bought a little house at 22, and my wife did the same (didn't know her then, this came to light once we'd met). Anyway, sold the two houses and bought the next house, mortgage free (the best way to save!), where we lived for the next 26 years. Came time to downsize and we were lucky enough to get an old property right near the railway station, trams and buses (approx 10 k from Melbourne CBD). Over the next 4 years, I designed a new house, then we got it built, selling the old house off the block, but during this time our current house doubled in value, whoopee! So ended up getting our new house more or less for free! The new house (now 14 years old) is only 3 bedroom, but with a ginormous garage (not apartment people, as I need my big garage) for our 4x4 and caravan, which we use to tour around Australia (usually for 6 months per year), crisscrossing the country along all the iconic back roads and dirt roads of the outback. The house is designed so we can travel without coming back to a jungle. It is on a small block, no grass in the backyard, and very small nature strip. We've travelled O/S a couple of times and are going to Iceland and Europe next year for a few months. I retired at 57 and my wife at 60 (we are same age). We both had pretty good super (superannuation they call it here, like a pension fund I suppose). We are doing pretty well even though we also only had 'middle career' type jobs. (me, electronics, wife programmer). We don't qualify for any sort of pension from the government except for the seniors card where we get public transport concession and free travel on weekends. The caravan has turned into a hobby where I have designed the solar controller and battery management system, etc for off-grid stays plus lots of other stuff. My wife has taken up geocaching, so I spend a lot of time ferrying her around getting these cache things (it's a world wide thing). We use to have two cars, but only the one now. Apart from when we are towing the van, I really only use it for trips to Bunnings(like Home depot). We tend to walk to the local supermarkets. Good bit of advice re healthy retirement; don't get fat! There are many cafe's around here, so resisting temptation is difficult! I don't subscribe to many of these channels, but your easy chat-type-style is pretty good, well done.

@ThisIsOurRetirement 10 ай бұрын

Thanks so much Graham and welcome to our channel , sounds like you are both enjoying being retired too which is great glad you like our videos have a great week Cheers 🇦🇺 🍷🇨🇦

@barbaraebner5889 Жыл бұрын

Everyone’s plan going forward in retirement is based on one important issue, health and the money to support “ surprise” issues. You can only be prepared for so many things.

@ThisIsOurRetirement Жыл бұрын

We agree Barbara

@raygeez Жыл бұрын

10:50 , 100%, I advise my clients to max fund their TFSA, and stop RRSP contributions unless they can show me they need the income deduction. Once in retirement, and after age 72, RRSP converts to RRIF and you are forced to withdraw funds, adding to CPP, OAS, GIS thus increasing your income and tax liability. TFSA and Permanent Tax Shelter (cash value life insurance) are the only tax free growth vehicles Canadians have, few utilize them to their full advantage. Passive income is a wonderful thing, congratulations on the hard work you put in to generate this wonderful personal pension fund!!

@ThisIsOurRetirement Жыл бұрын

Thank you Ray Cheers 🌺🙂

@elliskev2 Жыл бұрын

Thank you Tina and Norm, I personally appreciate your channel and information.

@RetiredLovingIt Жыл бұрын

Love the old photos of you two! Thanks for sharing how you retired early!

@dellnichols4625 Жыл бұрын

“It’s a mindset.” Absolutely. And adopting thar mindset earlier rather than later reaps great rewards!

@vickiallen724 Жыл бұрын

I enjoy your videos, and thank you for the 'food for thought.' I appreciate learning about the choices and strategies that worked to help you create the life you want to live. You've helped me to think outside the box as well!

@TVResults Жыл бұрын

My wife and I watched this together. It is very helpful, thanks so much. Blessings, enjoy!

@jeffbeamer9882 3 ай бұрын

Thanks for the nice chat Norm and Teen! Keep well and stay safe!

@user-ik2no7jw5g Жыл бұрын

Thank you for telling us your retirement story 😊 Loved the photos of your younger selves.

@sandihunter1260 Жыл бұрын

Being happy with living frugally is so important. You also have to like each other when you are spending so much time together. Cooking your own meals, grocery shopping together. Doing a budget together and sticking by it. And health of course....

@ThisIsOurRetirement Жыл бұрын

We are best friends too Sandi and always have been , agree it helps thanks for watching Cheers 🌺🙂🍷

@WIWomanful Жыл бұрын

Happy hour helps😂

@IamaDutch-Kiwi Жыл бұрын

Another good lesson for pre retirees. We too were laughed at when we moved into an apartment. Now we are the ones laughing.Lock the door and leave and on return no lawns to mow, gardens to tend and safety in the building. For many this may be a 'if I knew then what I know now!' after your video. I hope this goes viral and those needing these tips get onto it. Have a great week back at the apartment. 😎🇳🇱🙋‍♀🇳🇿 🍷🌞

@libbyannstew8775 Жыл бұрын

Living frugally gives me such peace of mind. Now I want out from under my underperforming mutual funds. Then I’ll be blissfully happy! Great video. Good to see you both looking so well.

@sherylriehl1334 Жыл бұрын

We got rid of our extra car also when we both retired and have very very rarely missed having an extra car. We just bought a new to us used car last year after my mother in law passed away and we received some money. We purchased a used travel trailer also and are having fun! Our previous car was a 2006!! Very low mileage but we didn’t feel comfortable pulling a trailer and travelling with such a older vehicle. So -- you guys are doing amazing and I’m pleased I have found this channel. Lots of great helpful info for us retirees.

@scottamcfarland 11 ай бұрын

Very informative, thank you.

@andreamoore6394 Жыл бұрын

Thank you for sharing! It helps to hear what has worked for you both. I'm not ready to retire yet, however, it is now in my horizon, so thining about it. I was chatting with my spouse the other day, and said, we probably don't need to have two vehicles once we retire. I agree with this idea and trying to live more frugally in a sustainable way. Always enjoy your vids. 🙂

@dennispabonita8633 Жыл бұрын

Thanks Tina and Norm for the the great advice and encouragement. God Bless you both and take care!

@ThisIsOurRetirement Жыл бұрын

Our pleasure! enjoy your weekend Dennis Cheers 🌺🙂

@GamachePhoto Жыл бұрын

So honest… open book. Thaks for sharing all your tips. Lots to think about. Always love to see your videos. Keep it going you two.

@ThisIsOurRetirement Жыл бұрын

Thank you! Will do! 🙂👍

@KHender Жыл бұрын

Love love love your videos and advice Tina and Norm! Thank you!

@ThisIsOurRetirement Жыл бұрын

Our pleasure! Thank you 🌺🙂

@jayf3491 Жыл бұрын

This might have been one of my favourite videos. I like hearing your backstory. Thank you

@ThisIsOurRetirement Жыл бұрын

Awesome, thank you! 🌺

@randalmacnair1500 Жыл бұрын

Another no-nonsense, sensible episode. While our path is different from yours I always learn from your story. Thank you.

@ThisIsOurRetirement Жыл бұрын

Your very welcome Randal Cheers 🙂🌺🍷

@nancyglassman9979 Жыл бұрын

We love you guys! Thank you so much ❤

@lornarejas5427 Жыл бұрын

Always learning from you both. Thank you so much!!!

@ThisIsOurRetirement Жыл бұрын

Our pleasure! thank you 🌺🙂🍷

@onemashedlife4313 Жыл бұрын

Hello. Thank you for elaborating on your personal story. It's generous of you to share this information. Love seeing you guys more than once a week. Keep it coming please! Cheers from Saint John, NB.

@ThisIsOurRetirement Жыл бұрын

Our pleasure!Thanks for watching Cheers 🙂🌺🍷

@evadeanu1 Жыл бұрын

I very much appreciate your openness and transparency, Tina and Norm. Thanks for all the hints!

@ThisIsOurRetirement Жыл бұрын

Our pleasure! Cheers Eva 🌺🙂🍷

@candyboyer Жыл бұрын

What a great video! We are mid 60s, still trying to sell our business so we CAN retire, but paying down all our debt (just a car & a camper). You give me hope that it IS doable & we can live well in retirement. Thanks!

@tricialeach1125 Жыл бұрын

Thanks for all of your advice! I’m 43, and trying to employ some of your strategies! Sharing a car, investing in the tax advantaged accounts we have in the US. Glad to hear your perspectives that it’s possible to travel and retire early without millions of dollars!

@davidthom9159 Жыл бұрын

Great approach to your finances. It scares me to see how similar our approach has been with the exception that we have defined pension plans. Being debt free is a biggy. We still have our house though and are finding maintenance expenses to be quite a drain. Well, some good lessons you teach Tina and Norm. If only our schools could instill them in future generations. Thanks !

@reicheld590 Жыл бұрын

Security comes in now what we have but what we can do without. As the son of parents who lived through the "dirty thirties" that philosophy was instilled in we kids. Dad always used to say there was plenty of money for the important stuff. My wife and I are now in our sixties making the most of our retirement but still fine tuning our priorities. Last year when we retired it was hard spending disproportionally say, for the first five-ten years versus say when we are in our seventies and potential health concerns may arise. Tin and Norm, your video's are brilliant but I wonder how the generations after us will manage through retirement without being exposed to the disciplines of our parents generation. By far this was my favourite video. Both you of take care.

@ginacolumbarabanal4936 11 ай бұрын

I just subscribed. I love listening to you both for you are constantly sharing your experiences in retirement life. I am in my nearly 60’s and planning for my retirement. Your topics has help me put my plans together. Thanks for sharing….

@ThisIsOurRetirement 11 ай бұрын

Awesome! Thank you!

@Jt-hl4yv Жыл бұрын

Excellent video, thank you. been enjoying them and learning lots for about 3.5 years or so to help us get ready for retirement, which we did a year ago. I also had cancer, and it changes your perspective on longevity, so I took out cpp at 60. We also moved to the central provinces as the cost of living is so much less and we are mortgage free and able to retire. Still a few years away from collecting OAS, but we are frugal and are retired! Thanks again for all your video's and insights.

@grandpa_eric Жыл бұрын

Hey 👋 Tina & Norm! Thank you for sharing. You made some great decisions to provide for a happy retirement. Life is good!

@ThisIsOurRetirement Жыл бұрын

Our pleasure! lovely to hear from you Eric Cheers 🇺🇸🍷🙂🇨🇦

@vicgill1980 Жыл бұрын

Stock photography to KZfaq videography..I can see the natural transition. The best strategy is your attitude to handle just about anything…together. Cheers

@shannonalvaradowellness8543 Жыл бұрын

Thank you! So encouraging!

@ThisIsOurRetirement Жыл бұрын

You are so welcome! 🙂🌺🍷

@darrelldyer7291 5 ай бұрын

Love your content and the good info you pass on! Keep it up!

@ThisIsOurRetirement 5 ай бұрын

We appreciate that thank you 🙂

@westcoastgirl4066 Жыл бұрын

You two are my favourite retired couple. Thanks for all the tips and tricks. I’ll be 50 next year and looking forward to retirement freedom. Cheers from Vancouver.

@ThisIsOurRetirement Жыл бұрын

Thanks so much you are very welcome hope we are giving you some tips Cheers 🍷🌺🙂

@ronwong2153 Жыл бұрын

Nice TV! Thanks for another great video - good advice!

@carolnavan4137 Жыл бұрын

What a treat to have a new video midweek! Great video, thanks.

@ThisIsOurRetirement Жыл бұрын

Glad you enjoyed it! we are exploring which day mid week is best Wednesday or Tuesday so far looks like Tuesday which is awesome 👏 Cheers Carol 🙂🌺🍷

@elricko9077 Жыл бұрын

Fantastic advice you two, you’re great examples!

@kristinpayne1825 Жыл бұрын

Love, love,love your channel! Thank you so much.

@macdaddymgiarc Жыл бұрын

loved this video on all accounts. I appreciate your comment about being happy with where you are in life. How to WORK for what you want. How to enjoy life with what you have. And yet, you still both appear to have a great life and retirement, with travel and lots of things to keep you entertained and on-the-go. Such a great example for all of us hoping to be there in another few years, and beyond. Thanks again, Craig

@ThisIsOurRetirement Жыл бұрын

Your welcome Craig glad you enjoyed it Cheers 🌺🙂🍻

@Robs63 4 ай бұрын

Hi am new and I watch like three video’s absolutely excellent content am 63 and retired but always looking for good pointers thanks also Beautiful pic of you all looking forward to watching all of them and getting caught up !❤️😊

@ThisIsOurRetirement 4 ай бұрын

Awesome, thank you! and welcome to our channel 🍷🌞🙂

@madhuvijai6089 Жыл бұрын

Wonderful episode ..lots to learn from this ....and a beautiful neighbourhood there ..please show us around whenever free

@c2shiningc176 2 ай бұрын

Best retirement videos on utube you two are great. I'm now retired and would advise everyone to retire asap I don't need to but i consider renting out my guest house that is in my backyard for extra income since i love where I'm at and I'm debt free. I don't have much money but if i live frugally like you i can enjoy everything i need with 1 or 2 small vacations per year. Plus visit kids and dad as i like

@4nshale Жыл бұрын

Great video. You always have such practical advice. You help make retirement a lot less scary option.

@pomeranian-tigermasha2592 Жыл бұрын

Tina and Norm, thank you very much for your videos. I'm 34 and learn from you a lot!

@ThisIsOurRetirement Жыл бұрын

Our pleasure! Thanks for watching 🌺🙂

@mrscuteas Жыл бұрын

Tina and Norm, you are my retirement living goals ❤

@ThisIsOurRetirement Жыл бұрын

Thank you 🌺🙂

@christopherbarker976 Жыл бұрын

Hi Tina & Norm good to see you both again I think it’s excellent that you are making people stop and think 🤔 Plus with some sensible planning they can do a version of what you’ve achieved. Well done and thanks . Regards. Christopher Barker

@ThisIsOurRetirement Жыл бұрын

Great to see you Christopher glad you enjoyed it Cheers 🇬🇧🍷🙂🇨🇦

@brucecampbell7347 Жыл бұрын

Excellent advice and sound reasoning for all your decisions.

@marietaylor5174 Жыл бұрын

Another informative video for us oldies. It's a very simple concept, but difficult for some to grasp. This message will help those who are seeking good sound advice.

@ThisIsOurRetirement Жыл бұрын

We hope so Marie thanks for watching Cheers 🙂🌺🍷

@rachelwalsh4378 Жыл бұрын

Great video Tina & Norm 👍 Happy weekend 🏴󠁧󠁢󠁷󠁬󠁳󠁿 🏴󠁧󠁢󠁥󠁮󠁧󠁿 🇨🇦

@ThisIsOurRetirement Жыл бұрын

Thanks Rachel you too 🏴󠁧󠁢󠁷󠁬󠁳󠁿🍷🇨🇦

@peggyj7243 7 ай бұрын

That was a very encouraging video as I approach retirement, thanks for sharing practical real life experiences.

@ThisIsOurRetirement 7 ай бұрын

Glad you enjoyed it Peggy have a wonderful weekend Cheers ☕️🙂🍷

@Jocantral Жыл бұрын

Thanks for this interesting post. I really admire you two, and the way you have been so astute regarding your $ and retirement. Good for you. You certainly have worked for, and deserve, your good life.👍

@ThisIsOurRetirement Жыл бұрын

Our pleasure! Thanks so much Jo have a wonderful week Cheers 🙂🌺🍷

@shannonmann5501 Жыл бұрын

What a fantastic video, thank you!

@dlg5485 Жыл бұрын

Good one! I'm turning 54 in a few weeks and I am a bit behind where I thought I'd be 20 years ago, but I'm catching up by investing at a substantial rate. I could probably retire at 60 if I wasn't planning to purchase a camper, but planning for such a large expense will necessitate working 2-3 more years, which is fine. I expect to retire at around 63 with no debt and plenty in savings to carry me thru until I draw Social Security at 70. As long as my health holds up, I plan to delay SS as long as possible in order to get the maximum benefit payment, which will provide more guaranteed income later in retirement. It's a bit of a risk because we don't know how long we will live and no one wants to leave money on the table, but I'll be ahead of the game if I make it past 81 and I certainly expect to do that!

@marcokeller3575 Жыл бұрын

I’m 54, planning to retire at 59, you two inspire me

@pb9401 Жыл бұрын

I’m trying to get there! You all give me hope!!!

@ThisIsOurRetirement Жыл бұрын

Thanks we hope our ideas will help you 🌺🙂

@bobfmirvine6652 Жыл бұрын

Good advice! I hope people are listening and doing what you suggest.

@ThisIsOurRetirement Жыл бұрын

I hope so too!

@sandrocata2075 Жыл бұрын

Enjoyed the video. Debt is #1 impairment to a good , early and comfortable retirement. Between saving / investing in good vehicles / having no DEBT / our good government pension benefits / and maybe even a company pension will make for a peaceful retirement. Health of course is # ONE. Living frugally is most important all along your life and then you will be surprised at how well you make out in retirement. Retire as early as you can as the stress at work and will definitely affect your health.

@debbieholden7790 Жыл бұрын

You have changed our lives, you still inspire me with every video.

@ThisIsOurRetirement Жыл бұрын

Wow that is awesome Debbie we are so glad to hear that , it makes us so proud to keep doing our videos to help others Cheers 🌺🙂🍷

@gregmoses8708 Жыл бұрын

One of your best videos. Thank you for sharing.

@ThisIsOurRetirement Жыл бұрын

Wow, thank you! glad you enjoyed it Greg Cheers 🍻🙂🌺🍷

@lyndawilson1874 5 ай бұрын

Great information shared, many thanks! God willing my husband will be retiring in 3 and a half years, myself in 4. Can’t wait!!! We paid off our house years ago, setting up for future. 🙏🏼🇨🇦

@ThisIsOurRetirement 5 ай бұрын

Wonderful! we wish you all the best 🙂

@Sdelgado0267 Жыл бұрын

I love your content and thank you so much for sharing your story. It is very inspirational, and it validates that I am in the right track. I am currently 56 and planing to retire at 62 when I get to collect social security. Thank you again!!!

@ThisIsOurRetirement Жыл бұрын

You are so welcome! glad it helped Cheers 🇺🇸🍷🇨🇦🌺🙂

@amandaleung1643 Жыл бұрын

Thank you and sharing your experience 😊

@ThisIsOurRetirement Жыл бұрын

Your very welcome Amanda 🌺🙂🍷

@zanylady8508 Жыл бұрын

You are both inspiring. I too am planning a very frugal retirement and it’s nice of you to share your story. It gives me hope that it can be done regardless of the naysayers.

@ThisIsOurRetirement Жыл бұрын

Glad you enjoyed it we wish you a great retirement Cheers 🙂🌺🍷

@MissJuliesMontessoriMinutes 11 ай бұрын

Thanks for another great video. In addition to being valuable information, your tone and attitude always help me feel more relaxed about early retirement!

@ThisIsOurRetirement 11 ай бұрын

Awesome! Thank you! 🌺🙂

@dwaynecostello5788 3 ай бұрын

Another option is putting cash into a high yield savings account, these days the online banks are giving 5% on the high end while not tying down funds. The percentage can flux but no risk and paid monthly. Worth a mention at least until world interest rates come back down. Love your chats

@RoseGrace100 Жыл бұрын

Thanks you guys. Always love learning from you. You are so smart.

@ThisIsOurRetirement Жыл бұрын

Our pleasure! 🌺

@headcoach1163 Жыл бұрын

Love your videos! Thank you! 😊

@user-dv8bs7tb5c Жыл бұрын

I can't wait to hear this!!

@ThisIsOurRetirement Жыл бұрын

Its a great story 🙂🥂

@dancurran8977 Жыл бұрын

We also have a former rental car. We paid cash for a 2017 Camry. It's crazy to go into debt for a car! We have gotten along fine with one car. Thanks for the video!

@cfyfe7168 4 ай бұрын

I live frugally. My biggest concerns now, and in my future, are high rent costs, and figuring it out on a single income. I think if people have their housing sorted, and can share their income with a partner it can really put you in a good place. I love your positivity. You have a lovely energy together!

@brucewilkinson8599 Жыл бұрын

I really appreciate you sharing your story that enabled your retirement plan, both the anticipated issues and the learned later things because of circumstances, you make a great argument that everyone can retire earlier in life. Since I retired a few yrs ago I’ve learned that many of the things I had thought would be needed actually were unnecessary. Like you said, being more frugal actually is more freeing, especially allowing for doing activities like travel. So thank you once again Tina and Norm … you folks are the best.

@ThisIsOurRetirement Жыл бұрын

Your very welcome Bruce we appreciate your support Cheers 🇺🇸🍷🇨🇦🙂

@brigittecrawley1872 Жыл бұрын

Wish I had known all this in my 50’s! Now in my 70’s but am debt free and have some income from the sale of our house last year. Living as frugally as possible and hope the money lasts until I am called home. Thanks for the advice.

@ThisIsOurRetirement Жыл бұрын

Your very welcome 🙂🍷🌺

@coletteoconnor3566 Жыл бұрын

Loved todays video guys. It’s great to see people retired and happy and stress free. I’m with you, I don’t think you need a million to retire. If you prioritize becoming debt free and getting away from a materialistic lifestyle then early or standard age retirement can work. I am debt free and try not to over spend (except clothes are my downfall) but I am working on that. I believe it’s called buying for your fantasy life 🤣🤣 I would love to know how to get started in stock photography norm as my DIL is a great photographer and I have suggested she try that but she is not sure where to begin. Keep the videos coming, this ex pat living in the US thoroughly enjoys them 😁

@ThisIsOurRetirement Жыл бұрын

Thanks so much Colette have an awesome week Cheers 🇺🇸🍷🙂🇨🇦🌺

@mj1961christian Жыл бұрын

Wonderful video. Thank you for sharing that with us!

@ThisIsOurRetirement Жыл бұрын

Our pleasure! glad you enjoyed it Cheers 🙂🌺🍷

@Bracebarian Жыл бұрын

Tina, Norm. I am sitting here with my morning cuppa watching you thinking wow, not only is the content great but the delivery to camera is special too. Thx for all you do. 195 working days left for me :)

@ThisIsOurRetirement Жыл бұрын

Countdown to retirement congratulations 🥳 that’s awesome Cheers 🥳🍷🌺🍻☕️

@RC-fh2lk Жыл бұрын

One of your best videos …thanks for sharing! Your story is very similar to my wife and I…makes me feel I’m doing something right!!😁

@ThisIsOurRetirement Жыл бұрын

That is awesome! thanks you Cheers 🙂🌺🍷

@SarahHarris-hx6ec Жыл бұрын

This is a really helpful video. Thanks for the effort you put into the channel.

@ThisIsOurRetirement Жыл бұрын

Glad it was helpful! your very welcome Sarah Cheers 🙂🌺🍷

@cristinaxo 11 ай бұрын

As someone in their early 50's I so enjoy your videos!! They informative and just as importantly so encouraging that drives the point that we DON'T need a million dollars in order to retire. Thanks Tina and Norm!! 😊

@ThisIsOurRetirement 11 ай бұрын

Glad you like them!

@pb9401 10 ай бұрын

Love your videos!

@ThisIsOurRetirement 10 ай бұрын

Than you so much 🙂🌺

@terihandrick2333 Жыл бұрын

I really appreciate your candor regarding the path you chose. I the whole 1M theory on retirement funding has always been the threshold expectation for retirement, as a minimum really, and depending on so many factors some people may never be able to achieve such a goal. I am so thankful to hear you lay it out and bring comfort to those nearing retirement. It is my plan to be debt free in two years and then decide what real estate needs to be sold to fund our retirement years. Thank you again for your honesty, and openness regarding you journey.

@ThisIsOurRetirement Жыл бұрын

Your very welcome Teri 🙂🌺

@user-jh7hv5jp3f Жыл бұрын

I Love your show. I wait each week for your newest video to come out and continue to review some of the more poignant shows based on my particular needs. Right now I have watched and re-watched episodes where you discuss moving out of your home and into an apartment. I hope to retire in 6 months and plan to rent out my house, using the income to travel the world for three to four years . Although I could afford the purchase of a condo I agree with your assessment that an apartment will free me from the burdens of home ownership. . I especially hope to emulate your life of coming home from long weeks of travel and walking into my downsized apartment with all my familiar belongings to greet me..Your tips on knowing what to look for in obtaining an apartment were very helpful. I am making my list and checking it twice as I start the process of finding the right apartment to meet my needs. Your show offers such reassurance that I can make this big move. Thank you

@ThisIsOurRetirement Жыл бұрын

That’s sounds wonderful we are so glad that we have helped in your retirement decision, and yes we love coming back home to our apartment good luck 🌺🙂🍷

@cornflowertoile3026 9 ай бұрын

I really enjoy your talks, keep it up 🥰🇨🇦

@ThisIsOurRetirement 9 ай бұрын

Thank you! Will do! 🥂🍁

@ardbegrules3973 Жыл бұрын

Was inspired by your channel a couple years ago and sold our GTA home last year to rent or move to LCOL Calgary. It didn't go exactly as planned and I'm stuck in GTA for at least another 10 years, but still have the house money so still able to stay early retired... Also following your "retire poor" plan. Going to melt first my non-registered, then RRSP. TSFA is maxed and I plan to grow that and hold off drawing too much from there... Will also take CPP early and plan to qualify for GIS... Also still driving a dinky Yaris... Lastly, hoping to find a similar apt in South Western Ontario if I'm not able to move out west. Brantford seems nice and I have friend that moved out there. Can't beat Banff mountains but I go wherever my daughter wants to follow; hopefully can convince her to come with me out west when she's old enough.

@ThisIsOurRetirement Жыл бұрын

Sometimes plans don’t go right first time , lots of apartments in Southern Ontario with rent control good luck 🙂🌺

@sheilamcdermott8042 Жыл бұрын

Love your videos. You are great teachers!!

@ThisIsOurRetirement Жыл бұрын

Glad you like them! have a great weekend Sheila Cheers 🥂🌺

@suespony Жыл бұрын

Oh my gosh Tina, thanks for sharing the picture of your youthful self, such a beautiful young woman, and norm, you did have hair, never would have thought so. Take care guys.

@ThisIsOurRetirement Жыл бұрын

You are so welcome and yes Tina fell in love ❤️with Norms long hair Sue Cheers 🌺🙂🍷

@ivanahanus5101 Жыл бұрын

thank you for your videos. I had planned to go into retirement at 60, am debt free, had enough in investments. Then a life changing curveball happened. My husband got very ill, which lead to terminal illness. I am now 64 and my life savings are not enough to retire as I need to pay for medical bills and hospital visits. We live in South Africa and the cost of living is very high after the lock down, the flood disasters and the riots. I also have my mother in a care home for dementia/frail. What I have saved up would not meet our monthly expenses from the pasive income. I am happy for you both that you can manage your retirement well.

@paulhunter6652 Жыл бұрын

Happy Wednesday Norm and Tina: Another great story of success in retirement. We still have are house, pensions and investments. We do not live frugally but our stories have some similarities. I always say we live like a millionaire without the millions. My best advice to others is have a certified professional advisor provide a financial plan. It should be started at a younger age and updated regularly with any major life events such as retirement or selling the house. A financial/retirement plan can provide a clear roadmap of correct steps to your financial freedom. We just booked another Riverboat to Paris, Germany and Switzerland in the fall! Spend the money! Hope your having a great summer! Cheers

@ThisIsOurRetirement Жыл бұрын

Have a great weekend Paul Cheers 🍷🙂🍻