My brother in - law called last night. And asked what did you do today. I replied nothing. Because I'm retired and I can do what I want.

My original retirement plan was to retire at 62, work part-time, and save money. However, high prices for everything have severely affected my plan. I'm concerned if people who went through the 2008 financial crisis had an easier time than I am having now. The stock market is worrying me as my income has decreased, and I fear I won't have enough savings for retirement since I can't contribute as much as before.

For me being retired first sunk in to my mind when I was stuck in traffic during morning rush hour. The muscles tensing up in my back and neck. The grip on the steering wheel was more tense. All at once I realized I had no where I needed to be. The weight instantly lifted off my shoulders, I turned up the radio and thoroughly enjoyed the rest of my day. It takes a while after you retire for it to soak in.

My wife and I have visited Vietnam several times since 2016. In 2019 we decided to visit again and spend 6 months to enjoy this beautiful country. Because of the pandemic we weren't able to leave for a year and a half. Upon arriving back in the states we realized that the states had turn into a place that we no longer could stand because of what society had become. We decided to sell our house,cars and everything else and move to Vietnam. It was the best decision we made. We are definitely living dream!

Paul . I'm a farmer in the US. I often turn my phone off for 3 days. I tell folks, "Never expect more than a weekly response from my phone. I operate on my schedule, I'm not far behind you age wise. My last decade of toil, I'm doing my way.

I took social security at 63 and did it online . Such an easy process. No need to wait in lines.

Loved that 1 mate awesome outlook to life see ya on the next 1 . From 1 of ya crazys haha

As a 62 year old Brit I was quite astonished by this video, as I didn't know this form of early retirement existed for Americans. We hear so much about exploitation in USA, people getting few or no paid vacation days, no maternity benefits, some people having to rely on tips to pay their bills, no social healthcare etc etc. but in this respect people get a better deal than we do in UK. I am also an expat. in my case I chose Croatia. I am retired but I get nothing from the UK government and I have to wait until I'm 67 to get any pension. My only income is from renting out my house in UK. Not only did they raise the retirement age, they also raised the number of years you need to pay National Insurance to qualify for a full state pension. It was 30 years and when I retired in 2011 I had been paying for 33 years, so I had enough. Now it is 35 years so I either have to buy 2 years payments or accept a reduced pension.

Hi Paul. I applied at 60... for survivors social security. So I retired earlier. My wife died when I was 55 and I had to wait 5 years. I also was chomping at the bit. I also am now in Asia. If you are in this situation and can get social security at 60... I highly recommend it. I won't need to take my benefit until much much later. Ah... sometimes after life sucks for a long time... things work out. Peace ✌✌

Congratulations on being retired and living the dream in the Philippines. I visited there 8x, Manila, Cebu CDO, Palawan/El Nido and Zamboanga. I'm 71 now, I love the Philippines, beauty, friendliness, and Filipino attitude, (don't worry, be happy). Difference between America and the Philippines is daylight and dark.

Paul you are so right, It breaks my heart to see what America is today. I am actually thinking about following in your footsteps. Life is unafforable here.

Paul, my wife and I just retired this year from federal service and I can relate that it is hard not have a structured day after working my entire life. But I do now realize this is my time and I can do anything I want. Retired life is the bomb as my stress level has dropped significantly and life is there to enjoy. BTW, I've been married to a wonderful Filipina for 38 years and she was the best thing that ever happened to me. I will be in the PI next month and if in Dumaguete, if you are up to it, let's have a coffee. Keep the videos coming. I really enjoy them from a retiree perspective in the PI. I got to get away from this Utah weather.

Maayon Buntag Paul, thank you for clearing out some of the con webs for me. concerning America's current social situation. As a 59yr. old of African/European decent. I too am disenchanted with the state of the nation. Thank you for touching on the subject and truely expressing how you feel. You might loose some subscribers but, you will gain some good guys in exchange. I am burnt out as well. Getting married to a mature humble filipina in March. Taking my pension and social Security at 62. Thank you for helping this ol' Navy Vet make it through the day.. Hope to buy you a cup of mocha java soon ! Tell baby Mae she has set a good example many young filipinas watching .. Love you guys ...salamat

We hope to do what you did at 55 and 60. My wife is originally from Nicaragua and we hope to slow travel from Mexico to Argentina over several years and if we aren’t tired of travel, head to SE Asia for several years. We are starting in Matagalpa, Nicaragua in 3 weeks ! We will have 16 months to pay for out of pocket before my social security starts in at about $2030/month. We think most places we will travel to will cost us about $1500-$1800/month so we will likely continue to save a little. I have also been side hustling teaching English online in case I want to make a little extra if I’m bored. I do Brazilian Jiu Jitsu and love to walk a lot so I doubt I will be bored. We are so excited we can’t stand it. We are so stressed and can’t wait to jump out of the rate race. House just sold and we are ready !

It's reassuring for me to watch your channel Paul. Knowing that it's attainable for those who not only want it(a relaxed retired life) but those who deserve it. I'm trying to find a good place for my elderly mother who has been to hell and back more times than I can count, is 72 years old and still has to work a full time job. It breaks my heart and I do everything I possibly can to help her and I think leaving the states and living off her S.S. in a place similar to the Philippines is what she needs to do. Living well within her means, no bad habits, cheap car, cheap rental, and still has to work because it's so insanely expensive to exist in the good ole' US of A anymore, it truly breaks my heart. Watching your episodes gives me hope for her, so Thank You Paul! (& Mae!)

Never going to retire, going to collect at 62 this year and plan to continue working temp jobs while on ACA which has been working out GREAT for me. I can earn up to 19k when I work while collecting. When I hit 65, I will reevaluate my life situation again and go on Medicare. My home is paid off and I don't have any family, I never married and don't plan to, and I was a foster and never adopted. These are my life plans.

I retired here in the Philippines at age 59, using my military retirement. I added to my monthly income by applying for social security when I turned 62. Enjoying life here in the Philippines since 2007.

In 2020 I "retired" and filed for Social Security, but after 2 mos. I decided I was too bored and went back to work full time and put my pension on hold. I have a great job with great pay, and I'll work until 1/1/24 and THEN I'll (officially) "retire" (with an extra $80,000 saved) with no debt and A LOT of savings in Davao City. I'll still be doing about 40 hours a month of CAD architectural drawings, so that income, along with my Social Security and interest income will net me about $4,000 US monthly, and I look forward to travel, adventure, and living FREE and easy, every day until I drop dead on Philippine soil (or it could be in the water)....

Another great video sir. I am using these as inspiration for pulling the trigger and getting out of the rat race before I turn 62. I still have a few years to go, but watching these videos and realizing that I can simply move to another part of the world and live off my savings until the pensions and SS kick in are a real uplift.

Awesome channel man. Keep up the good work :)

Paul, I rarely leave comments...You are quite wise. Able to convey with WORDS what so many seek answers for in NUMBERS. I've spent my life and lots of my money traveling the world...63 Countries so far...I'm 61 with a job I love.. But you kind of make me want to retire...he he he... I'm not really on social media, I found you when stuck in my home during the plague. Watching you is better than TV Paul...Keep at it. If we ever meet, Lunch, Beers, It's on me.. Exceptionally valuable, what you've shared over my last 24 months of viewing.. Do you you mind if i nickname you, The Professor? Warmest Regards Paul.... Thomas...

Listening to your life experiences (and the wisdom that comes with it) gives a glimpse of what we can hope for when retired. I will be joining your ranks in 6 years! Cheers Old Dog 👍

Great content Paul! Trying to learn from your experiences… Thanks buddy!

Happy Birthday Paul. Great video. I appreciate your content

My wife & I were born in the early 50s and she had to work until 67 years old to qualify for "full" SS benefits. And I think now the age at which your can earn unlimited wages without effect is 70. Paul, I had no choice but to take my SS at 62 just to not lose my house. She gets just slightly more than $400.00/month than I do. We are now doing OK & still have our home. But getting damn sick of below zero temps & tons of snow here in Minnesota. Blessings to ya brother! Good luck!

Sometimes when we find ourselves in a rut in life its worth taking a chance to make a change. It could be a little change or a big change, just change course. That's what makes life exciting. On top of discovering new things about people and places we discover new things about ourselves. Nice talk Paul. 😀👍

Great video Paul and words of wisdom to all- it will all be there again!

Wow I expected just a nice video about social security. I didn't expect you to hit the nail on the head regarding how much turmoil has affected us in this country in the past few years. Thank you for saying it.

I woke up at 9am, looked at google news for 45 minutes. I went down and had breakfast. My wife and I watched a movie and at 6 started making dinner. We went upstairs and on our balcony watched the sunset. Life is good.

WOW! Your comments about the temperament of the people here in the US is 100% spot on! I only wish I had been enlightened 20 years ago. I would be having coffee with you!!

Happy Birthday! Wish you many more to come

Great bVideo Paul I appreciate your honesty over the years!!!!! hoping one day to get coffee!!!

Hi Paul, Totally agree with your point of view on what's going on in the States right now. Way too much infighting and too many people on the extremes. BTW, I'm coming to the Philippines in 2 weeks and would love to drop by and have coffee with you =)

You hit the nail on the head. I have been in Thailand for about 70 days. Headed back to the USA in a few days. I am dreading it. That in itself has shown me it is time to sell out and retire. I am headed back to take care of business, sell out, and start the process for my retirement visa in Thailand. Making this decision gave me piece of mind. Good video, I enjoyed it and agree fully.

I’m definitely in agreement get your Social Security early. God only knows how long we have to collect it. Happy Birthday Brother 🎉🎊🎈

Happy Birthday Paul! it's your special Day!

Paul I have been tuned in to your videos for the last 3 months and I consider you a very wise older brother that I never had. I am 58 and have had a successful business for over 30 years. I have worked my ass off all that time and have watched my kids and now grandkids grow up and wonder where the years have gone. Today’s video has struck lightning in my soul to slow down, take a deep breath and rethink my life. I don’t know if I will ever visit the Plil’s, but would love to shake your hand and just say thank you for your words of wisdom. Stay healthy and take care…. Brian

Oh Paul - You hit the proverbial nail on the head. Prior to applying for SS Retirement I had already added 2 plus 2 and came to the very same conclusion you did. Briefly, between the ages of 62 and 66 or 70 1/2, should you decide to wait, you get absolutely nothing from Social Security, of course. If I decided to wait for the max at 70 1/2 it would take me 8 years to break even, then I would be 78 years old. My thinking was: What would I not be able to do at 78, or even 70, that I could do at 62. I blame Social Security for playing us with the mortality table, trying to convince people to take their SS later by waving an invisible carrot in front of their face. Why take it early if you don't need it, was a question asked. My answer was "If you don't need it, I'm certain many do. If you don't need it now, invest it for your later years, or someone else's later years. But to allow the U.S. Treasury to hold onto it while you age day after day hoping you never get to apply, just seems foolish to me." Thank you Paul for shining the light so that others who haven't caught on yet can realize what the 'real deal' is.

Happy Birthday, Paul!🎂🎁🎊🎈🥂

We missed you last summer, i assumed you where just busy. Was nice to meet Mark. Enjoy your retirement everyone will understand.

Sadly everything you said about how things are now was spot on. Im about to turn 44 years old and its gotten so bad that every second of my life is now spent working towards retiring as early as possible outside of America.

I am defiantly looking to move out of the US. I am looking at Thailand and Southern Italy. It is off the chain here in the US. I lived in both Italy and Greece in the military. I feel like a change in culture and more relaxed lifestyle is what I am looking for in my 60s and 70s.

That's a great message Paul, thanks for sharing.

@Paul. Always educative and always enjoyable.

Happy Birthday Paul. You share the same birthday as my departed mom. I hope you have a great day! You are correct about taking social security as soon as you can. I will put in my paperwork next month although I have been retired for about 1 1/2 years already.

It’s can be nuts here in CA. Property crime is ridiculous. Active wokeness is sickening. I’m not white and I’m an immigrant, I rarely feel the impact of racism. Glad you found a great life in the PI.

Hi Paul the way you present your videos is amazing it’s always educating and entertaining thanks for sharing! Take care !

Excellent video Paul. Thank you for sharing.

As I finished watching your video on Retirement, our thoughts on the subject are mirrored. I had to hop back on and say that being fully retired, I savor not having to be committed to anything I chose not to, first and foremost. Additionally, with regard to my time - I'm always on time "When I Get There" period, end of report. With regard to the turmoil here at home in the U.S. I'm trying my best to convince the wife how much better it might be for us to relocate full time in either the Philippines or Mexico. She's an impenetrable brick wall, or so it seems. I keep trying though. Thanks again Paul!

Hi Paul, I took my Social Security also at age 62 and it's a good move for most people. Unless you want to keep working until you're 70 and beyond, it just doesn't make sense to wait to get it. The overarching reason I think is that since no one knows for sure when they're going to get sick or die. Enjoy life while you're still able to.

Great lessons here! I will be joining you soon.

Good Video Paul 📹 👍 👌 👏. Stay Safe 💕 💞 🙏 🙏

Well Paul, like most 'retired' You Tubers, you are still working, because You Tube doesn't get filmed and uploaded on its own and you still have some pressure to upload weekly if you want to see the financial rewards. It also increases your visibility, which in turn increases the subs wanting to see and visit with you. Yes a vicious circle. But, your choice and we enjoy seeing you on the Tube. The whole retirement thing is not so accurate. Good on you for taking a whole day for yourself. Some of us with 'side hussles' will probably continue to earn extra till the day we die. But so what? Good to keep busy and earn as we go.

I had to watch how things turned out, but I retired finally last July. Unfortunately other things changed and I'm now stuck in the USA. Wishing I could have retired over in the PI. Congrats Paul on making it happen and enjoying it years later. Hello to Mae... RL in Colorado. PS things are bad over here, hostile in fact.

First time 'viewer' here Paul. Really enjoyed the story of your journey to the Philippines.

Paul, The more I watch you, the more that I like you. You and Baby Mae are a 'feel good' experience.

I couldn't agree more. I'm from Canada, 68 this month, living in Thailand on my pension. A simple, happy life. Maybe it's me but the wesrt seems to be getting LESS CIVILIZED in a time when political correctness is an obsesion .

You were right on point about the dissention and division back here, Paul. That's exactly why I'm getting the hell out. I don't know how many years I have left but they're not going to be spent dealing with that shit, I can tell you that.

Second time watching, great information! Love the “however”

Beautiful video, thanks for shring

My favorite part of being retired? No alarm clocks! I sleep when I'm tired. I eat when I'm hungry. I was in the rat race for 40+ years... never knew what I was missing. I wouldn't go back for any amount of money now.

From the age of 14 we moved to a farm and I watched our cows have calf's I have seen chicken lay there eggs and watched the baby chicks break out of the shell, life is amazing, I also watched both of my daughters being born:)

I appreciate your vlog today as it seems to hit home on a few levels. I have been a subscriber of yours since the beginning and have I watched your journey from afar. I concur with what you are saying with regard to the attitude of the people back in the USA as I among them for now. My wife and I will be visiting Dumaguete this coming April and looking forward to catching up with you at some point if you are not out of pocket in Thailand or some other place in Asia. We are coming to look around for a month with the thought in mind of moving in that area before the end of 2023. Although we have family in Cebu city my wife is fretting that she will not know anybody there so hopefully Baby May can make her feel welcome. As for me I can make friends with a fence post as I enjoy conversation and have been working with expats for 48 years overseas. All the best!

Great video, Paul! To me, as a fellow retiree, that's the best kind of day for us: having absolutely nothing that we have to do. There may well be things we should do, but nothing we absolutely must do! Glad you are enjoying your retirement! Please keep the good videos coming our way!

I start my OAP (Old Age Pension) here in Canada at the end of March (I turn 65 this month). It's very low so no one could live on it alone, but thankfully here in Canada you can apply for supplements if you qualify. I've already started my CPP - Canada Pension Plan, which you pay into from the wages of your working years. I ended up in bankruptcy trying to live an expensive lifestyle in Manila but that is cleared up now and I have zero debts. I think I could live OK in the Philippines (about 127,000 Pesos monthly at the current exchange rate - US $2,240.00 or $3,000 Canadian dollars) but I have to consider future health issues, which at my age can come fast and furious. I would definitely keep my income a secret haha.

Glad it all worked out for you. All the best to you and BM.

Enjoyed your chat. I'm almost 63, it's on my mind. Still have dept but it's doable to knock down and save up. Thanks, Patrick Virginia

I retired at 60 years old and that was the best decision I made in my life. Right after that I started spending vacation to Middle East and European countries twice a year to see different culture, good food and entertainment. Converted all of my 401k assets into rollover IRA and started to be an active investor in stocks which enabled me to become financial independent.

I saw your video and decided to pull the trigger at 62 as well and knew I wanted to retire in the Philippines knew after coming on vacations their for 20 years that I could live comfortably on the amount of society security income I had coming in every month without touching any of my small pension or savings. One of the best decisions I've ever made in my life. I thought when Obama was voted in as President that racism was going away, now I know all he did was make things worse. Biggest reason I moved to the Philippines was to get away from all the crap going on in the United States. Good video Paul.

Man! The amount of ads on this video is extraordinary! You are the king of ads. But still worth it, enjoyed the talk. Didn’t know about the salary restriction until 65.

Happy Birthday 🎂 🥳

I'm looking at March 16 two years from now to reach 62, and I'm ready to get away from the madness that is going on here in the US, the biggest problem here is the media stirring up all the problems, one person said it right. Racism is a dead horse on life support kept alive by the press. I really injoy your outlook on life and the Philippines 🇵🇭 I'm looking forward to spending time there and hopefully retire there soon.

That is basically what I did. In Canada you can start your Canada Pension at 60. I waited till I was 63 to start with the idea in mind that I would be debt free by 65. Between Canada Pension and work and my side line I had my debt wiped out and a nice chunk of cash in the bank. My pension is not huge but with the apartment I found here it is very doable to live here. I have been enjoying my time here that last 6 months exploring places and decided on Dumaguete as the place to be. I have lots of places to visit in the Philippines but have lots of time to check them out. No rush I am retired

You nailed this video! Words of wisdom. Thank you for sharing

🎂🎁🎉🎆 Happy birthday, Paul! 🎆🎉🎁🎂

Paul, I'm of the opinion that the trouble here in the US stems from the fact it's no longer "majority rule", but rather a case of "The Vocal Minority Rules". Most of the people I know are the same as they've always been, and hold the same opinions as they ever did. However, these days, those people are rarely heard from. But thanks to the internet, the noisy, opinionated loud mouths that usually wouldn't be noticed are now being taken far too seriously than they should, for nothing more than political reasons, and in an effort by some to make money off of them.

I’m Filipina but grew up here in the U.S. I live in a town where 98% of the people are white. It was that way 48 years ago when my stepdad and mother moved here. I of course married someone whose family has a history in this town. Even the town’s name is his family’s name. I experienced some bullying and prejudices including his family in my younger years. We are retired now and have often considered moving there in the Philippines. Unfortunately, it would be difficult to pursue at this point because we are raising two grandchildren. The youngest is 6 years old. The 15 years old is adopted but 6 y/o is not. We hopefully can adopt him sometime soon. So there’s hope we can take that step to make plans of what we really want to do with our retirement life. We feel everything is a mess here with leadership and how this country is being run, as well as pushing things to our children that we feel is immoral and wrong. We are Christians and we’re fortunate to live in a God fearing community. But eventually it’s gonna reach the schools in small communities. The good news is People are more open now in accepting nonwhite. Most people know me because I’ve live in this town for almost 50 years. It’s slowly progressing. We are planning to visit the Philippines hopefully in a couple years and show my husband my country. I know someone that’s retired from my county that is living there. He is enjoying his retirement there. Taking a few visits and seeing the life of living there is a priority of whether it’s something we want to do in the future. I love your inputs and feedbacks on everything you talk about. I really enjoy listening to you. Keep up the good work.

Thank you. Having been in Dumaguete just a few weeks ago I love your post and hope to join you soon .

Good video's Paul. Sincerely, Scott

Your video struck close to home. I just retired in December at the ripe age of 61 1/2. I got tired of the corporate rat race and had planned (financially) for an early retirement. It has only been a little over a month sense I retired but I still haven't learned to "be retired." Like you (not long ago) I don't have any desire to date, but companionship would be nice. Your take on the current state of affairs in the USA is amazing (and correct), considering you haven't been here in quite some time. Most of my generation grew up with the, (I have a dream speech) and I thought we were well on our way. Apparently NOT, as outlined to us by the media and politicians. I stumbled on your video because I am looking for an alternative life/life style and the Philippines looks very inviting. I am planning on visiting the Philippines for an extended vacation and to see what it has to offer. Thank you for your video.

I agree to retire as soon as you can afford it. Life is too short to be dictated by work

You’re darn right you’re retired!!! Mea definitely sounds like the keeper. Great video Paul! Thumbs up.

Thanks Paul that is a good touch of reality no matter where a retired person resides.

Now, how was I able to listen to a guy ramble on for 20 something minutes talking about a topic as mundane as retirement and not get bored? Paul old dog, you got the gift of gab. You can make an ordinary turn into something special with your extraordinary communication skills. Needless to say, that was an enjoyable 20 minutes of my precious time spent the way I like to. Thank you Paul, always looking forward to your upcoming videos.

I moved here 8 years ago as I could see the writing on the wall about how the US was going. At 56 I had 6 years before SS early retirement, no regrets it all has worked out great. You have a great attitude about living here, only wish more expats could be the same, get so tired of the complaining. Unfortunately many are bringing the garage from the US with them here.

This show resonates with me so much. Happy Trails and Have a Magical Day!

Excellent video!Thank you!

Thank you for the video, Paul. I, too, have dreams of living in the Philippines once I retire. I would like to ask you what your health insurance is like in the Phil's. The monthly cost? Does your insurance cover prescription drugs, what insurance company are you insured with? The fact that you retired with only social security boosts my confidence in one day realizing my dream of living in the Phil's.

*I love this old dog and his whimsical ways.* I am 72yo as is my Filipina wife Emily, who was moved to the states by her father Joseph along with her mom and four brothers when she was 10yo. We have (mayroon kaming tatlong anak), three kids all grown now. We both retired at 70, having sold our real-estate company in Lakewood Washington. Our three kids known as Mestiza Filipinos all are grown and all three have homes that are paid off and unbelievably, all own their own companies. We could have retired a few years earlier we know, and respect how some people like Paul, can do it. But, we had some setbacks like a business partner who stole all our company money and ran off with a young 18yo married woman, devastating our family and that of our employees, as we has no choice but to declare bankruptcy and sell our home to payoff debts. But, we recovered to retire at 70yo with a combined SSI of $2,800 a month.

One of my favorite videos from you! Especially the last part!

Hey Paul spot on US is quite divided these days and upside down. I was in the Philippines in November is like a breath of fresh air I look forward to coming next year to spend three or four months maybe I'll look you up Thanks again

Plan beats no plan in every stage of your life. Including retirement. I was a young hotshot that wanted to retire early. Hit about 45 and had accumulated the nest egg that I was shooting for. So I told my wife that I was putting in my resignation. The first week not sitting in traffic was magical. Taking my wife out during the weekday was mind blowing. It was about 6 months in and I just didn't know to do with myself. I tried various things to keep myself occupied, but after a year at home. I was miserable. A career opportunity came up and I jumped at it. I was never happier than to start working again. I guess I'm just that guy that finds my passion in my occupation.

I have been retired and I am fi ally waking up and starting g to make the arrangement on relocating to the Philippines, been there twice and can't wait to go again. I look forward in moving to the Philippines. This has become a racial, religious, social, and ideology country who has been di inside on all fronts, we longer are americans, everything is based on ideology and status. FED UP!!!

I get the idea that you might have lived in the LA area at one time because you mentioned traffic on the 405 once before. I met my Filipina wife in Glendale, CA, at a country dance club. She was the best dancer ever. We dated for a year, then I asked her to marry. She was already a US citizen, so the only issue for us was love and compatibility, and her family coming around to accept me of course. Now we are going to celebrate our youngest daughter's wedding soon. She has a great time watching you and Baby Mae videos with me. We're glad it's working out for you guys.

Paul, another great Obi Wan Kenobi vlog. You really manage to put things into perspective about things that are important in life and need (or lack of need) to stop rushing around all the time. There are many great things about being retired but one of the primary ones is not having to be anywhere.....is there anything more wonderful than that?....On the issue of Social Security (SS), on the SS home page if one were to establish an account. You can use the sliding graph on the age factor and it will let you know by age, what the amount is that you will get on all age spectrums until 70. It is a great tool for people contemplating retiring and wondering how much they will get at each age. Keep those great vlogs coming, you do great things with them for lots of people.

I don't know, Paul. If you don't spend a lot of time on social media, you don't get much of the name calling/"one word and you're a racist." I think you experience what you focus on, and a lot of folks are "experiencing" things not actually happening actively to THEM. I live in DC, and I don't really experience a lot of that, to be honest. I've found if I don't get into the business of others, they generally stay out of mine. And, I don't care much about what people think about me. That probably helps, as well.

Interestingly Paul. Here in the U.K. so many people are retiring early that the government is panicking. It’s adopted a shaming strategy and suggesting that all job centres offer financial analysis to those in their 50s… a misguided attempt to tell people they haven’t enough money. Private pensions can be accessed from 55…. Ill be surprised if this limit isn’t raised very soon.

nice!! Thanks for sharing!!

so nice to hear you talking, really enjoyed it thank you !

I totally get you Paul. We’re definitely walking the same path. A calm relaxing day of doing absolutely nothing always beats a day of digging ditches. Trust me you’re not missing anything here. Enjoy that retirement with your devoted partner Baby Mae and never look back. Also a hot grilled cheese sandwich and a nice cup of soup hits the spot every time.😊