Lately, I've been contemplating retirement, uncertain whether my 401(k) and IRA will ensure a secure future. I've also invested $200K in the stock market, experiencing fluctuations without substantial gains.

Opting for an investment advisor is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 45% since Q4.

Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?

Sharon Ann Meny, is the name , Just search the name. You’d find necessary details to work with to set up an appointment.

I just googled her now and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.

The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.

This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000

Mind if I ask you to recommend this particular coach you using their service?

'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of investing in the stock market and potentially grow your retirement savings over time.

Considering the increased complexity since the 2008 crash and COVID, I suggest diversifying your financial portfolio. I hired an advisor and successfully grew my portfolio by over $150K during this turbulent market using defensive strategies that protect and profit from market fluctuations.

Do your homework and choose one that has strategies to help your portfolio grow consistently and steadily. *Camille Alicia Garcia* is responsible for the success of my portfolio, and I believe she possesses the qualifications and expertise to meet your goals.

Thank you, I copied and pasted his name on web browser and sent a email waiting for reply.

I know a few retirees who live solely on SS. So if you have your house paid off and have a few thousands saved or invested I think you shouldn't lose too much sleep about these things. Yes you won't go on as many cruises as other boomers but neither do millions and millions of retirees across the world.😮

Congratulations Kate

So, so true Kate

Congrats! Enjoy your retirement.

You’ve arrived. Me too. Blessings.

Congrats 🍾! Enjoy!!

Developing a solid financial portfolio is more difficult, therefore I suggest you seek expert assistance. The ideas you receive after that can be tailored to your long-term goals and financial desires.

Personally, I would say have a mentor. Not sure where you will get an experience one, but if your knowledge of the market is limited, it seems like a good bet.

Same thought when I read the comments from people. as if it's that easy! You can't give what you don't have. That's why as many as who go into the market with little to no knowledge will continue to feel the full downsides of stocks when it happens. I personally need some guide with regards to my 401k. How can I reach Catherine Morrison Evans?

Exactly the point! quickly do a web check where you can connect with her, and do your research with her full names mentioned..

oh! i never take this advises online seriously, but i checked Catherine up out of curiosity and i must say i am impressed by her Credentials. i emailed her already, waiting on her response

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $760k by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns..

Insightful... I curiously looked up her name on the internet and I found her site and i must say she seems proficient, wrote her an email outlining my objectives. Thanks for sharing.

The only way I was able to scale through all of this without stress was by working with a financial adviser. My adviser *ROCH DUNGCA-SCHREIBER* has always had my back all through the process of property investment and investing in general. You can glance her name up on the internet and verify her yourself. She has years of financial market experience.!!!!

If you quit making money for doing something you love, you are doing it all wrong. Less generational wealth.

@@DrSchor Nope. I hope I spend my last dime before I drop dead.

I waited until I was old, 68, but got all the bills and house paid off. Now, I am actually living, I feel. Even when I am doing nothing, I am not bored, life itself is so fantastic, so many little things to enjoy, even just things like the soft noises my cat makes or how the light shines though the window.

I'm surprised you quit your job at such a young age, since you said you loved your job.

@@888strummer I don't know his reasons, but maybe he wanted to live a life.

😳❗️You could live longer than you think ...

She may have died at 55 if she retired at 50. The sad fact is you think work isn't life and hate it. "Get to do what I REALLY want to do, finally!". I always chose work I REALLY wanted to do. Why didn't all of you? That was your choice and your mistake. All about values. You see people who work to 78 and die as "not having REALLY lived". I see all of you as fools. You wasted 45 years doing work you hated, never doing what you wanted. How sad and tragic for 95% of you.

@@sammencia7945It’s awesome that you’ve always had the option have jobs that you REALLY wanted to do. Life just doesn’t unfold that way for many people. And smugness isn’t attractive btw.

@@sammencia7945 "Fools" is harsh, sir. Please keep in mind that some universities didn't even accept women until the 70's. If you wanted to be a teacher or a nurse, you had to accept a starting salary of less than $10K back then. It was also much more difficult for some people to be hired and/or promoted into upper management 40 years ago. If you had a family to support, you had to make do with the best job you could get because you didn't have the luxury of holding out for your dream career.

@@iriscsimbok5152 Push your BS Narrative elsewhere. Women could get credit cards by 1974, abortions by 1973, and EEOC in 1965. In 1979 women exceeded men in college enrollment. All of those women could work as adults as equals THEIR ENTIRE ADULT LIVES and they are now ALL over the age of 70. Women in 2023 are 60% of college graduates (but that is not discriminatory, eh?). Your propaganda and victim culture will not be tolerated. Lie to someone else.

Professionals have access to exclusive information and data that is not available to the general public. Implementing successful strategies requires accurate information.

Facts 👍

In order for you to be able to make informed investment decisions, it is important to have up-to-date information.

I totally agree how important it is to have an investment coach to support you in your day-to-day decisions. Their skills in balancing buy and sell positions with risk management combined with proprietary insights and analysis have consistently outperformed the market. Personally, I have made a net profit of over 1.5 million euros in the last two years.

​@@darceydoberstein Investopedia reports a 41.8% increase in demand for investment advisors since the pandemic. Do you have a recommended advisor?

Bad year for me, META is down 40k, ALLP is down 35k, Draft Kings is down 6k, NIO is down 15K, ABML is down 8k, and my wife doesn’t know. I'm just hanging on to Jim Cramer's words about opportunities in volatile times so perhaps, I either wait for a recovery or pick profitable investments to substitute for my loss.

the market has gone berserk! whether you're a newbie or a veteran trader, everyone needs a sort of coach at some point to thrive forward

@@trazzpalmer3199 I concur with you as well. I prefer to have an investing coach's advice in my day-to-day investment decisions because their skill set is based on short- and long-term holdings for profit realisation and their unique analysis makes it practically impossible for them to underperform. My coach and I have been working together to invest for literally four years, and we have already generated over $1 million in net profits.

@Champ Hallier My Financial Advisor is JEANNE LYNN WOLF. I found her on a CNBC interview where she was featured and reached out to her afterwards. She has since provide entry and exit points on the securities I focus on. You can run a quick online research with her name if you care for supervision. I basically follow her market moves and haven’t regretted doing so.

Move to Mexico while you are still alive and have money. Everyone is this country is going to be wiped out financially, soon.

Isn't it great lying in bed on a Monday morning knowing you don't have to get up? I'm 56, quit my p/t shop job in January, still do 7 hours a week as a self-employed cleaner, but I do it when I choose to. Tonight, I got my tent packed up in the car and am off camping for a few days tomorrow, to take advantage of a mini-heatwave here in the UK. My husband works 2 days a week at the week-ends, really easy job, so we have the week off. I have time to cook. A blogger I follow makes up 4 Bento Boxes for her lunch and I have just started doing the same. I go to the shops and spend £10-12 on food and get 8 Lunch boxes, so £1.20 for lunch each. I buy salads, a protein and bread, maybe make up a pasta salad. Last week was Italian themed, this week is greek, with Feta cheese and hummus. Having more time means more time to plan healthy cheap meals, and make them up. We have an allotment and grow our own veg, so once all the salads are big enough to eat, I will be able to halve the spending on lunches.

This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.

@@KingDavid-jj7tk It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $21k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

@Alexander Webber I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same.

@Alexander Webber I might have heard this name somewhere, but can't really recall. I'll be following her up. Thank you. Do you know if she manages family fund too?

They never discussed that topic? Maybe he shud have done that too? Civil Service workers make. THAT MUCH Money? $6 million in Investments? Then You must rbe even Richer? You are a certainly doing what She did? Any tips on who she talked too or put her money?

Why didn’t you leave $250k since it was covered by the FDIC?

@namelessfaceless3122: 550,000 to 1.1 million in 20 years?

Ed Dowd suggests holding cash til the SHTF and then take action when there is ‘blood in the streets’.

You are part of the spammers. Go away!!!! It's ridiculous.

@@tinanolan1485Time to take off of your Q Tin Foil Hat!

It is sad, it is sad, it is sad that you don't have a job you love.

Why are you all not doing these things NOW? I do not understand you. Most of you behave as though you had no choice for 45 years.

@@DrSchor DrSchor, are you and I the ONLY ones here who enjoy working and have a positive attitude? Seems only 5% like to work. 95% hate it, fear death, fear not "doing what I really want to do".

@@sammencia7945 it’s sad that many folks don’t love their work. I believe much is mindset- everyone is working a job they chose. Choose a better attitude and/or a more appropriate work.

@@sammencia7945 I love what I do, but some jobs become intolerable. I changed jobs after 15 years of the slow decline into what I call intolerable. Some people (I know personally) believe that they cannot get another job that pays as well or has the benefits. Some think they are too old. Some do not like change. Some work so much that they have no time for those 'other things" which is the category I fell into. I worked 5 or 6 days a week and spent the other days recovering or doing 'chores'. Most single people have to take care of it all on their own.. no spouse to take care of the 'honey do's' or errands, shopping, or many things that have to be done. Much less time for hobbies or social life. I now have a job that I do like and made the decision that if I ever felt that 'dread' going to work, I would quit and find something else. It is not a one size fits all.

Good luck, friend...

I'll pray for you that you find Jesus

@bruced.370 Because of Jesus, I know that I am safe, no matter how the cancer diagnosis plays out. I will either be healed temporarily and survive the cancer, or my body will die, and I will be healed forever in God's kingdom.

So sorry for everything you must be going through. Happy you had 5 healthy years of retirement. I had to have emergency brain surgery a few years ago which really shifted my mindset and appreciate things. I hope you’re able to recover and enjoy your retirement. 5 years just doesn’t seem fair. Your comment is exactly what I needed to see today

Bless you❤

Inspiring! Coming up to 60 and I've got a lot of curiosity about many educational opportunities...

Yes, employing an invt-advisor is the best option, particularly for those who are about to retire or are novices who have little understanding of the market. Before I hired an advisor in March 2020, during the lockdown, my portfolio would fluctuate like a seesaw. With further investment, as of right now, this is how I've been able to expand up tremendously to seven digits in ROl.

Interesting. I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.

Vivian Carol Gioia is the Consultant in charge of my portfolio. With over three decades of service, she's earned a reputation and internet awareness, so finding basic information should be simple.

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.

@@Erinmills98 I've been in touch with a financial analyst ever since I started my business. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders.

@@AstaKristjan Please can you leave behind the info of the F/A guiding you?

@@AstaKristjan Oh found her! Looked up her full name and she was my top search. Thank you for this! Really appreciate.

Also, make sure they are acting as a fiduciary and not promising wild returns

Working with a financial-advisor could prepare you for life. While others were complaining about inflation, I was busy cashing out from my Diversified-portfolio, finally making over $370,000 for the first quarter of the year. I'm thankful that I was able to to get in touch with my coach, Joseph Sullivan Anderson, early this year. We were able to pay off our debt and start saving for our retirement thanks to Joseph Sullivan Anderson.

I've considered consulting with advisors. I need advice because I want to retire early and become more financially literate, but I'm not sure how effective their services will be.

My Advisor....would tell me that saving nothing is foolish, and that saving every cent that isn't already being used to pay bills or buy groceries is unreasonable if you want to retire early. A well-diversified investment portfolio is a must.

My advisor;Joseph Sullivan Anderson, acts as a fiduciary with significant knowledge and does not promise outrageously high returns. Working with him has been rewarding, and he has been extremely helpful in reorganizing my entire portfolio. Because of his many years of experience, he is an excellent resource for anyone attempting to comprehend the financial industry. I recommend that you look him up

Nobody knows anything, you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving

you need a Financial Advisor my friend so you don't get ripped off in the market. They provide personalized advice to individuals based on their risk appetite, I started with a trusted Financial Adviser named NICOLE DESIREE SIMON“. She is verifiable, and her approach is transparent, allowing me full ownership and control of my portfolio while charging very low fees in comparison to my portfolio earnings that worth more than half a million dollars.

@@flemmingbrooke That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?

@@sherryie2 It was run by NICOLE DESIREE SIMON, who I learned about and got in touch with thanks to a CNBC interview. Since then, it has served as the point of entry and departure for the games we have emphasized. A search on the internet can be done if tracking is necessary.

@@flemmingbrooke Insightful. Your counsel couldn't have come at a better moment because I'm currently barely holding on. I'll do some research on her online before calling her.

How do you manage health insurance? My biggest stressor. Debt /mortgage free .

@@nata3467 The Affordable Care Act (ACA) aka Obamacare. If you are under 65, draw from your taxable account first so you pay less premium.

Time goes faster because you are getting older. If you were still working, time would have gone faster too. Just think when you were a kid where a day felt like a week.

That’s very young to retire. I thought my retirement at 55 was young but you beat that.

Indeed, the recent market downturn serves as evidence that a vast majority of individuals lacked a sufficient understanding of the underlying financial dynamics at play.

@Margaret we’re only just an information away from amassing wealth, I know alot of folks that made fortunes from the Dotcom crash as well as the 08’ crash and I’ve been looking into similar opportunities in this present market, could this coach that guides you help?

@Margaret I just Googled her name and her website came up right away. It looks interesting so far. I'm going to book a call with her and let you know how it goes. Thanks

@Margaret k

Mortgage rates are low compared to historical norms. Houses are way up in price, but this should help you when you sell your current cash. I would NOT count on a housing crash. Fluctuation? Sure. But look how fast it recovered from the financial meltdown. Don't count on that happening again. Buy for a place to live, not as an investment.

So are you retiring now or not? I'm confused about what you mean. And as far as "we all", speak for yourself.

Wouldn't your social security be more if you spent more years paying in?

@@oglelaura no, in the UK you achieve max after 35 years. So no need to pay in more 👍🏻

At a point like this, when the pressure is already on you to retire, it s best recommended you seek the services of an advisor, as this allows you make smarter investing decisions.

This is true. I worked as a financial advisor with Merrill Lynch and then as an independent financial manager. I have seen really great profits that can be made by picking the right stocks and making good profits quickly.

Would it be okay to ask you to recommend a financial advisor whom you know is good?

I don't like making such recommendations, but I know *Sharon Louise Count* and she's been making really great profits. I think she has a website or something.

I think you should invest some of that money, now investing can be pretty hard to understand so if you don't understand it then I advise you to invest in something you understand. For instance start a small business and invest that way from the profit you will make from your small business. Now as a woman I really can't tell you what business to start because I only have small business ideas for women like starting a skin care business, nail polish business, candle business, all that is girly stuff, but for a man I will say... Start a moving company business, or landscaping business. Sorry I don't have any ideas for men to start a business but for a woman I have 100 ideas. I have a son that's 16 and a daughter that's 11 years old I had plenty of ideas for my daughter to start a business because I am a female like her but for my son I really didn't have any ideas for him and he was more interested than starting a business more than my daughter, but as a woman I really couldn't help him.

The markt is volatile at this time, hence i will suggest you get yourself a financial-advisr that can provide you with entry and exit points on the shares/ETF you focus on.

@@jonathanburtnick Had a good run during my first year in the fin-market, I assumed I had a hang on it. However, things changed during the pandemic, and I needed to diversify into safe assets, so I approached a coach who devised a structure that matched my annual goal of 200kk

@Kang Minsu "Viviana Marisa Coelho", she has a web presence, so you can simply just search her.

@@dianarabbanii2 I looked up Viviana Marisa Coelho online and researched her accreditation. She seem very proficient, I wrote her detailing my Fin-markt

😊👍

Agree entirely. So many jobs are just jobs that you need to do do bring in money and offer few if any other rewards. And they can pile on stress, which will decrease both the length and quality of your life and health.

@rachealhubert74 Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. Alice Marie Coraggio, a licensed fiduciary whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help.

@rachealhubert74 ; Alice Marie Coraggio

Lookup with her name on the webpage

Considering that I am only three years away from retirement, it becomes challenging for me to solely concentrate on the long-term perspective. Despite having invested in reputable companies and having a significant amount of funds allocated, my profits have been stagnant. This situation raises the question: Does the current recession and unstable market offer any calculated risk opportunities for generating profits?

I understand your concerns, my friend. I recommend exploring passive index fund investing and expanding your knowledge in this area. Personally, I experienced both successes and challenges when initially seeking a reliable passive income........>>>>

how do I get in touch with this consultant that assist??>>>>>

STEPHANIE KOPP MEEKS, that's whom i work with look her

Thanks for these recommendations.....,,,

would suggest you thoroughly evaluate the companies you have invested in and their estimated future performance, as we may expect to see the market decline further. To minimize stress and improve efficiency, it might be wise to seek the assistance of an investment advisor to help restructure your portfolio and identify any underperforming investments to offset. This approach has been successful for me and has reduced my stress levels.

I have been exploring the possibility of utilizing advisors to help navigate the stock market during these uncertain times. However, I am still evaluating their potential effectiveness in providing the support I need. @@AllisonSherman7

@@Kurt5DobsonChristy Vallen D'souza is an esteemed coach known for her proficiency in her area of expertise. You probably might have come across her. I found her on a CNBC interview where she was featured and i reached out to her afterwards. She has since provided entry and exit points on the securities I focus on. You can carry out a quick internet research on her name for more info. I basically follow her market moves and haven’t regretted doing so...

I was considering changing my investment strategy and planning to sell certain positions. As my retirement is coming soon,I became increasingly stressed. After thoroughly researching Christy Vallen D'souza on internet, I concluded that I had made an informed decision. Thank you for this Pointer. She seems very proficient and flexible. I booked a call session with her too. @@AllisonSherman7

you should consider financial planning.

It isn’t about how much you save, it’s about how you manage your money. Whether you work to earn income or invest, it still boils down to income vs expenses, so yeah you may look into financial advisors for a strategy that suits your timing.

@@jessicasquire I totally agree, I'm 60 and newly retired with about 1.2 million outside retirement funds, no debt, and very small dollars in retirement funds compared to my portfolio balance over the past 3 years till date. tbh, the role of the investment advisor can only be overlooked, not denied. just have to do your research in finding a reputable one.

@@patrickbrussels4454 that's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well.

@@Erikkurilla01 My specialist is *STEPHANIE KOPP MEEKS* I found her on a CNBC interview where she was highlighted and contacted her a while later. She has since give passage and leave focuses on the protections I center around. You can turn her upward on the web assuming you care oversight. I fundamentally follow her exchange design and haven't lamented doing as such.

How do you know this about “most people?”

Joe, here comes the ridiculous comments. Just use the word “some” next time instead of “most”. Thx

true! I like my job, but I would like it better at only 2 days a week. Unfortunately you don't get benefits at that rate.

My husband enjoys his job so much that he’s decided to retire at age 70. He’s highly paid, and a highly respected expert in his field. He has seen several coworkers retire early, not know how to fill their days, and die earlier than was expected. He’s concerned that he’ll end up the same way, even though his relatives live well into their 90s. He’s got hobbies and activities that keep him busy; however, he’s concerned that when he retires, he won’t be looked upon as the respected ‘expert’. I left my job at age 58 to help care for his aging mother, and to design and have our own retirement home built. The day we signed the contract to purchase the land (with an existing house that we later scraped to build our custom home) in another state (let’s call this ‘State B’, his employer announced that his job was being transferred to another state (this is ‘State C’). Great. We were just finishing the remodel of our ‘dream kitchen’ and had to sell our house, located in ‘State A’. We had a new house built in State C, along with the concurrent design of our new retirement home in State B. I traveled back and forth between these two houses for a couple of years. During this time, my MIL died (at the ‘young’ age of 87), my mother died (aged 90), and my eldest son was married. Then COVID hit. Our retirement residence was ready for occupancy in mid-March 2020. We were the first in the city to have a FaceTime house inspection done! We stayed at this house for over 3 months, with my husband working remotely, before we drove back to our house in State C, about 1,000 miles away. I have continued to go back and forth between these houses as additional finish work, fence and security gates, and landscaping with extensive earthworks has required me to be there. For months at a time, I’m full-out working on construction-related items. This last trip required my presence of 6 months. Even though I haven’t worked for a paycheck since age 58, I’ve continued to fill my days with ‘work’. We’re both 65 now. I enjoyed working for my previous employers, and was even self-employed for a decade prior to the Great Recession; however, I had quit my last job due to two unreasonable, narcissistic Directors who created an unhealthy work space. When you’re older, few people care if you were an expert in your field. Few people care if you possess specific skills or talents. Your opinion is often dismissed. Anyway, there’s little left to prove when you’re older. I’ve had seven years of ‘retirement’ practice, while my husband has not. I asked him if he’s concerned he won’t be known as a respected professional (Yes); perceived as being relevant (Yes); treated as a contributing member of society (Yes). I told him, “Welcome to what I’ve experienced. Use this opportunity to ‘remake’ yourself.” I’m also encouraging him to explore consulting positions, as a number of his former coworkers have returned to the profession after retiring for 6 months, and his skills are still in high demand. He’s hesitant, as most consultants cannot directly affect change in a project. He underestimates the cache he’s built regarding his knowledge base. This different future is recently beginning to gel in his mind, as I was unexpectedly injured in a minor mishap during a construction project at our retirement home in State B a couple of months ago. The recovery has taken an extended period of time, and he’s rather shocked that I haven’t bounced back the way I normally have. I was so exhausted upon my return to State C that I slept for most of the first 2 weeks home. I now fully feel every bit of 65. I want to enjoy our retirement together while we’re both relatively healthy. Both homes are paid off. We have no debt. We are financially set for the future. I’ve started pushing him (we had this conversation 2 days ago) to talk with his coworkers, who have become consultants, to figure out if this is something that appeals to him, and if he could see himself working no more than 35% of his current work hours.

I worry about the same thing since I don't want to mess up.

If you are new to the markets, I would recommend that you seek the advice or help of a financial counselor or investment coach. In these unpredictable times, that is the best method to enter the market.

@@esnolgalves3344 I agree, investment coaching seems like a wonderful idea; I've considered it previously but never sure how to go; have you employed a coach? How was your experience?

@@BillyQ12 I won't reveal too much, but I have been working with a coach since October 2022, increasing my portfolio's monthly dividend income from $70k to almost $220,000k. It is not nearly as difficult as it formerly was, and is really simple.

@@esnolgalves3344 That's amazing! How could someone approach a coach like that to receive investment advice. Could you please provide your coach's information?

All of you have the same story. Everyone you know is dead at 59. You see glass half empty. "He never really got to enjoy retirement". 6 months off does not count? It is your negative attitude.

What business do u do while traveling . If I may ask.

@@sammencia7945 True True! He earned his badge of honor in being that man for his family and be that example, should be remembered that way!

Being a sandwich generation sucks 🤦‍♀️

Go home and rethink your life. Why do you like to kill helpless and nonthreatening animals with powerful weapons since you don't require them for survival or food? Are you so weak and insecure that you can't find another way to make you feel like a man?

Cruises are disgusting LOL

@@New-bw4kz Thank you for sharing. You don’t have to go on a cruise if you don’t want to. Millions love them! It’s best to have others around who enjoy them too. You do what’s good for you. God Bless!

And if it is not in God's plan, what is your plan?

You spent 45 years not doing what you want to do? Why? Why did you choose 45 years of misery?

there are two answers I like to give regarding early retirement, and you mentioned doing what we want/when we want to do it, and the second is taking our time. During the working years it seems there is never time enough, everything we do we rush through, and early retirement is us giving ourselves the most precious gift of all, time.

Beautiful!

@@jessefletcher9116 yes! Im not retired, ...just not working FT now, and the other day I actually put an apron on to keep my dress nice and I cut up Garlic not in a hurry and onion I'm anyway long story short I made a beautiful eggplant dinner and I did it in a relaxed manner like I never did before, every time I was in the kitchen before I was going as fast as I possibly could and worried I'd be too tired by the end of the night to clean up

@@maryhall1181 everyday tasks that you have to do on your day off like mowing the lawn, washing the car, going to the grocery store, they all are so much more pleasant & less stressful when you retire and can take your time.

I did read about Susan Kay Mack on the web., quite a great resume she has

that's quite impressive, you surely made a good bit of money..

Enjoy your retirement because you were one of the smart ones!!! Salute!

Did a quick web search, she has a pretty decent bio, I wrote her and I'm waiting on her reply.

Excellent

You are not done mentally until you know the numbers.

If I only had 50 hours left to live, I'd have retired years ago.

@@SurpriseMeJT 50 hrs per week I am spending at work.

You are most welcome

How were you able to see a financial advisor at no charge?

Obviously, no Financial Advisors can work at no charge. Do you work for free? 1. Who is he working for, and did he give you advice which was better for his employers than you? 2. What financial instrument did he sell you, such as an annuity? What are his financial advisor credentials? Is he really an insurance or other salesman?

@@annathemaanderson4448 - The answer is easy. It was likely an initial consultation. These are typically no-charge, but they give you sufficient insight for you to do the rest. I've done this several times and have gathered a wealth of information without paying a penny.

Brand new home zero debt?

Why didn't you do those things at the same time you were working?

@@sammencia7945 Life hasn't been easy. There were too many responsibilities and too many obligations. I have been working on guitar intermittently and have advanced, but would just like to get better to be on a gig performing level. As for writing, I had a job that involved a lot of technical writing that I liked, so I have done this on some level. I wasn't willing to be a starving artist to pursue the freelance writing career I wanted. I had obligations to a family; they come first. In retirement, I have the time to pursue these interests among others full time and at an unfettered level they deserve.

Check out some videos about how much gigging musicians actually make,locally,it ain't much.

@@rudygracia5573 I wouldn't gig for the money. I'm retired. I'm gigging because I love music and it would be fun to do. If I make a little cash along the way, then great. It depends on what you play and how good you are on how much you can make. You can also post your playing on YT.

​@@audiophileman7047 - Sounds good 👍 🎶