The 4 Phases of Retirement: Advice All Retirees Need To Hear (With Dr. Riley Moynes)

Рет қаралды 48,510

Күн бұрын

➡️The four phases website: thefourphases.com/
➡️Dr. Riley Moynes Ted Talk: • The 4 phases of retire...
➡️Our financial planning services: www.parallelwealth.com/planning
In this video we welcome Dr. Riley Moynes to the channel, the author of "The Four Phases of Retirement: What to Expect When You're Retiring." We discuss the psychological challenges many retirees face, and how you can overcome these challenges to live a fulfilling retirement.
If you have any further questions about this video's topic or any financial planning questions in general, I encourage you to find a certified financial planner in your area or book a consultation with us to get your retirement plan on track.  You can learn more about our services at www.parallelwealth.com/planning
Financial Resources I personally recommend:
➡️Retirement Income for Life: Getting More without Saving More (Second Edition): amzn.to/3tvIdVN
➡️Parallel Wealth Masterclass: www.parallelwealth.com/education
➡️Future Value Calculator: amzn.to/3EA6Qqv
➡️Neo Mastercard - no annual fee and average 5% back! - join.neo.cc/parallelwealth
➡️Free Credit Report with Borrowell: bit.ly/borrowellPWFG
➡️Maximize your Savings with EQ Bank - bit.ly/EQBankPWFG
The above affiliate links are provided for your convenience. If you click on a link and end up purchasing a product or service, this channel may receive compensation for the referral. We have personal vetted each product and service we provide links to.
OUTLINE
0:00 - About Dr. Riley Moynes
3:54 - Phase One
5:14 - Phase Two
7:45 - Phase Three
8:56 - Phase Four
9:37 - Misconceptions About Retirement
11:30 - The Importance of Community
13:00 - Practical Steps To Living A Fulfilling Retirement
15:39 - Balancing Relaxing With New Passions
18:32 - Personal Stories
This presentation is intended for information purposes only and does not constitute an offer to buy or sell our products or services nor is it intended as investment and/or financial advice on any subject matter. Every effort has been made to ensure the accuracy of its contents. Certain of the statements made may contain forward-looking statements, which involve known and unknown risk, uncertainties and other factors which may cause the actual results, performance or achievements of the Company, or industry results, to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Returns are not guaranteed and past performance may not be repeated.
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DISCLAIMER: The videos and opinions on this channel are for informational and educational purposes only and do not constitute investment advice. Adam Bornn is not registered to provide investment advice and as such does not provide recommendations - those looking for investment advice should seek out a registered professional. Adam is not responsible for investment actions taken by viewers and his content should not be used as a basis for investment trades.

Пікірлер: 133

@rarelycares8416 7 күн бұрын

I call shenanigans, while I have only been retired a short while I feel these phases are only applicable to people who were wholly defined by their jobs. I was good at my job, and enjoyed parts of it, but I never wanted to work...just worked to pay the bills. Now that I can pay the bills without working I can live my life how I see fit. I have never been bored in my life except at work. Working in my garden, reading a book or traveling to places I never had time for are so satisfying.

@mtnshelby7059 4 күн бұрын

Same here thank. Cannot wait to retire.

@scottarmstrong11 Ай бұрын

My husband and I were fortunate enough to be able to pay off our mortgage early. We were both still working, and took the payment amount that we had been using to pay off our mortgage faster and we put it straight into investments. We were able to retire early because of almost 7 years of putting away what would have been our mortgage payment as well as maxing out our 401K/403B plans. Thankfully we were taught by both of our parents the value of living within our means.

@emiliabucks33 Ай бұрын

Thank you for your advice. I know it will help people. we are interested in investments that could set me up for retirement , I mean I've heard of people that netted hundreds of thousands during these crash, I listened to someone on a podcast who earned over $650K in less than a year, what's the strategy behind such returns?

@Johnlarry12 Ай бұрын

Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.

@scottarmstrong11 Ай бұрын

Even with the right strategies and appropriate assets, investment returns can differ among investors. Recognizing the vital role of experience in investment success is crucial. Personally, I understood this significance and sought guidance from a market analyst, significantly growing my account to nearly a million. Strategically withdrawing profits just before the market correction, I'm now seizing buying opportunities once again.

@emiliabucks33 Ай бұрын

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

@scottarmstrong11 Ай бұрын

Carol Vivian Constable is the licensed advisor I use.Just research the name. You'd find necessary details to work with to set up an appointment.

@maxpayne7419 Ай бұрын

I worked for 30 years. I didn’t worry about the phases of work life. I just got the job done. Retirement is absolutely fantastic so far, and I’m not obsessing about what phase I’m in or what phase is coming. Just enjoy time freedom!

@tonycar9739 20 күн бұрын

Yup…all these stereotyping and creating these “formulas” needs to be taken with a grain of salt.

@Larry_Kabberga Ай бұрын

Fishing, playing chess at the local club, golfing, taking care of grandkids, looking after my 4 dogs, walks with my wife, cooking and teaching math at my community centre. I did not retire yet but I am ready for phase 3.

@cathyphillips679 Ай бұрын

Oh please.....this is not true for everyone. I retired in 2016 with a very low income. I had planned for this and am set up in affordable housing and getting along just fine. I did go on a couple of roadtrips across Canada right away. Then came home and volunteered and got involved in my little community. Ended up busier than when I worked! Hated it. Luckily (lol) covid came along and shut everything down. Then realized that I don't need to do my retirement the way people say that I "should!" Am totally enjoying my laid-back retirement. One or two roadtrips a year, lots of camping and hiking, walks with the dog, lots of time to workout....very few social commitments and lots of time to spend with kids and grandkids. This is my perfect retirement. I wake up happy each day.

@garth217 Ай бұрын

These videos are not supposed to fit everyone, they provide incite to possibilities. They frequently don't fit my situation either, but I do learn something.

@sylviemorissette7668 Ай бұрын

The best thing you can do at retirement is take care of your health by doing good weight bearing workouts to prevent loss of bone density that always happens with age. Thank you for your great work Adam 😊

@tanyaldutton Ай бұрын

As a physio, agree 100%

@danieltaylor3396 Ай бұрын

Best thing about retirement=afternoon naps.

@ParallelWealth Ай бұрын

💯

@Chap17 Ай бұрын

And those naps r good for your health

@bobdrago6965 Ай бұрын

As long as we wake up! Lol

@PianoBoy99 Ай бұрын

@@bobdrago6965 So true. I work 50 hours a week (not retired), and I find my mental acuity isn't what I would like it to be in the evening. I imagine retirement allowing me to be focused and productive in the morning, nap in the afternoon, and focused and productive in the evening. A structure I expect will be more effective to me as an (increasingly) older adult, but not something that the current full time job really would support.

@edesouza2279 Ай бұрын

I do retirement my way. I am 12 years in and I am breathing easy every day all day. I don’t need a guide or a road map for living. It’s living according to me.

@d.b.t.1696 Ай бұрын

I like this mindset, exactly how I feel...a few years of working to go.

@barbarahall5514 23 күн бұрын

Me too! Love it! Exact same!

@lilredcrvtt Ай бұрын

Everyone is different. I retired four years ago, and have never felt bored or anything that was described in that video. Never felt unhappy or that I lost an "identity". I don't need to analyze my free time, categorize it into "phases," and start another routine. My work time is over. I'm free to live as I wish. Each day now is a new and different experience in itself.

@Christine-tc1vg Ай бұрын

I retired 21 days ago...so far, so good!

@rnish2958 Ай бұрын

Enjoy. Retired in 2018.

@jo2674 Ай бұрын

Me too 1 month

@chrisliauw4437 4 күн бұрын

me too. 2 weeks

@brassj67 Ай бұрын

I think everyone is different. Some are going to get bored of the go=go phase really quickly and others are going to embrace it with health and finances being the only obstacle. I think their has to be a balance between the 4 stages where you are preparing yourself for each phase. I think the slow-go is probably going to be the most challenging and you need to think carefully about what that is going to look like for you. I have many interests and I think it would be almost impossible for me to be bored

@alljunk4824 Ай бұрын

The working class has been trained for generations to work and then die.

@garfieldirwin Ай бұрын

Best "retirement phase" overview I've see -- thanks for doing this Adam & Dr. Moynes.

@PierreL-he7ih Ай бұрын

My wife and I retired 4 years ago at 56, right before Covid hit. We had actually been planning it for a few years, so we knew what we were going to do. No phase 1 or 2, phases 3 and 4 were intertwined for a year or so. Now fully in phase 4, and happier than ever.

@peace44225 Ай бұрын

A very informative video to help navigate this new phase of life. Thank you!

@drewski5150 Ай бұрын

Great video. Retirement still around 20 years off for me, and this gives me lots to think about and prepare for.

@deb.m.7458 Ай бұрын

This is an important video and creates a ‘Whole Life’ retirement plan. I know people who have retired with money and lack a sense of purpose in life. Be of service, live your passion.

@neilrankin9945 Ай бұрын

Lovely interview! Thanks Adam!!!

@JakeNorth24 Ай бұрын

Thank you for this Adam, Dr. Moynes, and Team! I was thrust into retirement due to health issues and in my first short year of ‘retirement’ I’ve gone through almost all of the steps and topics mentioned in this conversation. Everything from loss of routine, social connections, depression and out the other side. We all experience retirement differently and this conversation has shone a light on some common aspects we may share other than financial which gives validity to what ‘Normal’ may look like. Thanks again for all the valuable work you do! Much appreciated.😊

@daykl 18 күн бұрын

I’ve been retired 9 1/2 years now and I have to tell everyone watching this that haven’t retired yet to take this with a grain of salt. I’ve never felt a loss of purpose or a need to volunteer. In fact, after working for 42 years and retiring at age 60, the last thing I want is another thing in my life that demands I be somewhere at a certain date and time. I worked hard to be able to not be anywhere and not do anything that I don’t want. Family, no responsibilities and total absolute freedom make retirement the best time of my life. Don’t ask me to help you move this weekend, I’ve got plans to do nothing while sipping a homemade frozen pina’ colada while relaxing in my pool.

@daykl 18 күн бұрын

Oops, forgot to add that I must be stuck in the vacation phase.

@michaelbrown1993 8 күн бұрын

@@daykl Yeah, I've known many people that have retired and happily stayed in Phase 1 their whole retirement. I don't think everyone will go through these four phases, just a subset of people. Also, I've known people that went straight into Phase 2, 3, or 4 right from the get-go, not everyone will experience the four phases he describes necessarily (but I'm sure many do).

@gardenpost1 Ай бұрын

Thank you for this Adam. I have been following you for quite a while now and of course with you being a financial expert you have amazing insight with a lot of great ideas and advice. I am so happy to see you also share this side so thank you so much. My money won't help much on the day I wake up and feel lost, lonely, and miserable. All these tips give lots to think about and plan for, so those days won't feel so bad knowing I have a plan in place!

@murraytown4 Ай бұрын

Always pertinent. It’s not all about the money.

@robertdewalt8711 Ай бұрын

I will be starting a mobile knife sharpening business that will be part time during my remaining work years. But once retired I will do more often. I find knife sharpening relaxing. I can make knives very sharp.

@carloscanizares4699 Ай бұрын

Thanks for this, and such an interesting watch. As someone looking to retire in a month at 42, this gives me a lot of food for thought on the bigger picture.

@Buy_YT_Views_867 Ай бұрын

Keep it going, loving it!

@daved6464 Ай бұрын

Great interview. I am close to retirement and was only focused on the financial part. This opened my eyes to the real challenges.

@ericag2233 Ай бұрын

Awesome advice.

@GaneshD123 Ай бұрын

Excellent content, great advice!

@SummitMan165 Ай бұрын

What a wonderful and useful interview you made ! I cannot say how much it’s great for helping understand how to approach retirement, especially for entrepreneur (farmer) like me and so many friends around me ! Please do more of theses “non financials” retirement stuff !! Continue up your Excellent job!!👌👌💪💪😊😊

@melodiemcclure2051 Ай бұрын

Everyone of your videos has been so helpful. Thanks for including this VERY important aspect of retirement!

@ParallelWealth Ай бұрын

You are so welcome!

@danbarrett6387 Ай бұрын

The problem is most people over 65 feel their life is ending soon and have a need to pass on their knowledge..all fair and good but they tend to be know it all's, don't listen at all and just never shut up...if you didn't know how to live before retirement, it's just sad. Just freaking live people. You can die any day and will.

@Clover12346 Ай бұрын

I worked as a nurse for years I’ve done my service!

@PianoBoy99 Ай бұрын

I think a better way of saying it is that there are people who produce, and people who consume. In retirement you can only consume for so long before you feel hollow inside. At that point you need to produce. That's not quite the same as serve, but could include it. For example instead of just going on an endless vacation, start a business of taking small #'s of people on curated tours to your favorite vacation spots. Or travel writing, photography, etc. Something where you are producing something. That's his point I believe.

@garth217 Ай бұрын

Retired Cop of 30 years. Thank you for your commitment as well.

@heatherbolichowski1910 Ай бұрын

I would be VERY interested to hear the differences in the stages, severity of the stages, overall numbers of women vs men in these stages of retirement. The difference between singles/couples might also be interesting. Maybe your guest can speak about that if you bring him back.

@LAOM3423 Ай бұрын

Excellent video, Adam! Thank you!

@ParallelWealth Ай бұрын

My pleasure!

@paulraftis7063 Ай бұрын

Thank you Adam for this awesome content!

@ParallelWealth Ай бұрын

My pleasure!

@anniesshenanigans3815 23 күн бұрын

I tried retirement. Hit the wall on phase 1 and went back to work.. for me it was a sign that I was not ready. I am working on things now that will replace my day job and give my life purpose when I do finally leave for good.

@barbarahall5514 23 күн бұрын

Retirement is man made. I learned from the word of God ….our responsibility in being given life is to make an impact before you die. I stopped working for a boss/co. At 55. I’m only 63 7.25.24 and I made a list of all the things I want to do now that I have freedom to do. It changes sometimes, & I think of new things to do all the time. Most people are lazy with no introspection and won’t do this. I’m so damn busy I have to take breaks. Praise God for this man’s wisdom and getting it out there. ❤

@miketuttle9319 15 күн бұрын

This isn't a religious channel

@dystopia-usa Ай бұрын

My retirement at 62 will be an 7-8 year vacation leading up to my selected/designated expiration date. Clean & organized.

@judisamoisette1258 Ай бұрын

Informative

@elterco7 18 күн бұрын

I think it's important here to mention that there are a few Myers-Briggs personality types for whom retirement is the ultimate reward in life. I am an INTP, and for me, retirement has been one long vacation, and it has been easy and takes no work. In fact, my health improved markedly within months of quitting my job, as I lost thirty pounds, lost my cold sweats when opening emails, and lost my insomnia. The responsibility at work was overwhelming for me, and I am a much healthier and loving person without it. For my wife, who is an ENFP and retired a few years after me, it has been harder, and it has been much more in line with what Dr. Moynes talks about. I have been retired eight years, and my wife has been retired for six. Really, I just wanted to mention that the video advice applies to most, but not all individuals. Thank you.

@gregorythomson7813 4 күн бұрын

I think I merged phase 1 and 2 - it was part 'just do whatever I want', but also I kept some connection with last employer to help them in some ways, and also kept some connections with coworkers and previous retirees that retired before me, but who I worked with for 20+ years, and got along well with. I think I'm moving into phase 3 now - trying to focus on new aspects, and what's next for me for the next 10-20 years. I'm guessing I'll be in phase 3 for about 5 years. I'm 61yo now, so by about 65/66, I'll be better ready for what's to come in phase 4.

@tanyaperrin8844 Ай бұрын

Great video, Adam!

@ParallelWealth Ай бұрын

Thanks!

@danbarrett6387 Ай бұрын

To each their own always. Remember this always..This is just another opinion.No.more. No less.

@JohnTovar-ks8dp 2 күн бұрын

The elderly are supposed to help their community work well. That means watching what the government is doing & guiding it to the common ground.

@garssympa500 Ай бұрын

This was fascinating. I'm 68 years old and still work as an IT Manager, full-time. Success for me would be to go from full-time work to Phase 4. Just have to work on it.

@garth217 Ай бұрын

If you enjoy what you're doing, you are already ahead of most people

@donnanorris4733 Ай бұрын

I was a classic phase 2. Got a part time job. Almost dreading fully retiring again. Volunteer work will be the next step to keep me active, once I decide to quit working. I am a 68 year old female, and divorced.

@user-fb8jb5yi6g Ай бұрын

I wish you all the best. Take care. People don't prepare for the mental aspects of retirement. I'm sick of the rat race, but it's better than no rat race at all!

@danawc5595 Ай бұрын

Great video

@ParallelWealth Ай бұрын

Thanks!

@maprouten 11 сағат бұрын

I agree, also get them out picking up litter and other community aercice stuf

@Devilcity6275 Ай бұрын

It is a Vacation based on your Plans and how you can manage your finances. 🎉

@commonsense2469 4 күн бұрын

So this is an old man running a business, so, he’s not retired! Have a plan and be ready and retire as soon as you can. We only have so many active years.

@TerriWiebe-hq3rz Ай бұрын

I retired within the past year. I dont think i will be going thtough the phases as described. I worked for 50 years (paid work starting at 13) and also did a lot of volunteering and learned various hobbies during that time. I will never be bored. I still volunteer and I even took up a new hobby this spring. I plan on travelling winters. So i think i am already in combination of phases and dont think thst will be changing.

@williamjones4456 6 күн бұрын

All inclusive adults only travel as many times a year. The best retirement plan ever.

@jeffreyroy7532 28 күн бұрын

This is a pretty compelling case for not retiring.

@tanyaldutton Ай бұрын

I feel like this video is ruining my retirement buzz (I guess I’m firmly in phase 1). Having worked in healthcare for 33 years, the idea of yet again trying to find something to be in service of others frankly just makes me tired. I feel like I’ve spent my entire career doing this and want to think ‘me me me’. Maybe this will evolve. I am not a boomer, I am an ‘early’ retirement Gen Xer and wondering if there are generational differences to transition to retirement. Just wondering.

@Ittybittykittyclub Ай бұрын

I thought the same thing. Don’t let this information burst your bubble. Enjoy your time off no matter how long it takes. There’s no right or wrong, just keep the information in mind and reflect on it if needed.

@davecarpenter4917 Ай бұрын

Might still end up being 'service' of someone or some company, but how about a totally different type of task (non healthcare in your case) ? Im same early-X (retired at 57) and picked up a 0.6 pt job doing something I enjoy (mostly lol). The 4 days off each week give me time for 'me' , but I still feel like Im productive. Being paid to keep moving is better than paying a fitness club to do same.

@karlmitchell1428 Ай бұрын

@@Ittybittykittyclub I’m with you! My wife and I have been retired for 4 months now, a short time I know, but we are steadfastly stuck in phase 1, and I don’t see any of that changing anytime soon, we have made a plan to always have something to look forward to. We are focusing on US! Cheers 🥂

@tanyaldutton Ай бұрын

@@karlmitchell1428 maybe inevitably we will move through the stages, right now we are enjoying phase 1 quite a bit! lol.

@tanyaldutton Ай бұрын

@@davecarpenter4917 I tried thinking of a few things - volunteer dog walking for example - but didn’t get through the application phase lol. It will come. I did some part time project work last month and found it started to get in the way of my gym and pickleball schedule lol

@lindaanderson279 Ай бұрын

The shopping channel phase .👜👛👜👛

@angus7278 Ай бұрын

Most people I know who have retired have never volunteered, never started a part time job, never taken up a new hobby, never started exercising regularly, never taken courses to learn something new, and barely travelled. Basically just living life like it was one long weekend - and maybe that’s exactly what they wanted?

@villagefarang 4 күн бұрын

I haven't worked for 40 years and I am still in phase one. Guess I am a slow learner.

@vicfontaine5130 Ай бұрын

I'm actually worried about my in-laws retiring. Not the financial aspect they will be fine, it's mental aspect of not having enough to do to keep busy. Not everyone has hobbies or likes to travel, I think a plan should be laid out along side the financial planning aspect

@davidevans3498 7 күн бұрын

You will probably live your retirement in the same way you lived your work life. It is all down to your personality and circumstances

@anthonybutler3157 Ай бұрын

Interesting insight. However, it seems to be about creating a retirement that simply replaces work productivity for another form of productivity. The luxury of retirement to explore the world both near and far, increase the relationships with those who are most important, and reflect on who i am is far more satisfying

@elp2689 Ай бұрын

Hmmm, let’s see. I’m retiring in October and hitting the road for as long as we want with our RV trailer. But while on vacation I will still be cycling, paddling, hiking and working out because these are the normal activities that have always been a part of my life and I like to earn my margarita! Also, if a marriage made it through Covid the way we experienced it then we will be fine. My hubby is my bestie and yes of course we will need to make time for doing our own thing. Can’t wait to enjoy it all. I feel for all the people who don’t have any activities that bring them joy. It starts early while you are still employed so you have a work/life balance. Otherwise? Yikes.

@jankowalski-et6xc Ай бұрын

I know a lot of women that never really worked outside the house. And are "retired" most of their life. ANd they are fine. They are not depressed. Why should we - working people worry so much about this then?

@wyleecoyotee4252 Ай бұрын

All the women I know have worked and have well paying jobs. It's only the very elderly ones in their 80's that might have not. I don't know any women that don't work.

@carolineg3079 Ай бұрын

@wyleecoyotee4252 but most of them were probably mothers and that was their job. Many mothers experience feelings like these when their kids leave home

@wyleecoyotee4252 Ай бұрын

@carolineg3079 That's right. When those women were young they were funneled onto marriage and not offered a choice to live how they want.

@martypoll 23 күн бұрын

He says that about 60% of retirees transition to phase 4, as successful retirement. Does he have any insight as to the type of people that are likely to "fail" or succeed. White collar workers vs blue collar workers? Personality types? Married/divorced/remarried/single? Male vs female?

@rosered9029 Ай бұрын

❤As a Financial Planner, you just gave a true "gift" to your clients and viewers.😎👍🎈

@ParallelWealth Ай бұрын

Appreciate that, and fully agree. That's why we do this channel.

@DC-nj8kv Ай бұрын

No matter how much you like golf (or whatever), you can't do it 8hrs a day, 5 days a week, for 30yrs.

@Found-it-there 7 күн бұрын

There are three phases in retirement. You have your go go years, your slow go years and your no go years.

@ParallelWealth 7 күн бұрын

Amen!

@user-qr4tt6yk1z Ай бұрын

I disagree with this guy, some people stay en face 1 their entire retirement.

@rnish2958 Ай бұрын

Several people I hung with in college (class of 1976) have died. Its a wakeup call.

@mikel3437 17 күн бұрын

All those things happen when you are not retired.

@maryjoan4128 Ай бұрын

So true lots of fits and starts 😉😁 health has to be number one.. couldn't do it with out Faith

@garth217 Ай бұрын

Looking at possibly returning to work for the 3rd time after retiring in 2018 at 54. Best thing about working when retired... not caring about having to comply with management in order keep a pay cheque. Live life honestly. Hey boss! Your a no nothing goof..im out!

@jimhron853 14 күн бұрын

We all have a God sized hole in our heart. We try to fill it with worldly things that do not fulfill. Discover the Gospel.

@RobertSkene-qw3ob Ай бұрын

Never a vacation always a staycation because of other expenses and expectations!!!🇨🇦😂

@alancane1482 Ай бұрын

In this country when you turn 65 they round you up and put you on a cruise ship.

@jeffbox1torres Ай бұрын

I was a stay at Home mom with no money in my IRA or any savings of my own, which was scary at 53 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 56 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Evelyn Infurna. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, I was able to scale this quickly to $150,000. If I can do this in a year, anyone can.

@DannielleRosales Ай бұрын

This is interesting. I heard a lot about the same person not long ago, please how can I contact her?

@jeffbox1torres Ай бұрын

Well the name is 'Evelyn Infurna'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

@DannielleRosales Ай бұрын

I searched for her complete name on the internet and located her page. I then sent an email and scheduled a meeting to converse with her; now, I'm awaiting her response.

@arloc24 Ай бұрын

Evelyn Infurna hooked me up with a late-stage fund that got me in on private shares of some hot companies before they hit the market or blew up. Those investments totally paid off when the companies went public and their stocks shot up. Now, I’m stoked because I’m heading into retirement with almost a million bucks in my portfolio.

@BestoFornitero Ай бұрын

Been debt free for two years thanks to Evelyn Infurna Services. So sad to see my friends in their 40s with car loans, mortgages and credit card debt.

@mikeb6459 Ай бұрын

I didn’t like this guy’s Ted talk. In the end he just goes on about all the amazing things him and his buddies do so it seems like he made it all about himself.