Great job, guys. This is quite the comprehensive list. Another great educational contribution to our community. Thanks.

Yikes...RMDs start at age 73 now. Will be 75 further in the future. You need to be more accurate.

Great job outlining the issues that are holding people back. I am looking forward to hearing your upcoming practical steps. Thanks for what you are doing for the LGBT community. I agree with your mission and goal of encouraging responsible money matters for the LGBT community. We have never had enough encouragement in that direction. If there's anything I can do to help, please let me know. Glad to consult. Fortunately I started saving early and that has resulted in me accomplishing much more than I ever dreamed of regarding my financial success. Hopefully you will inspire a generation of "financially successful gays". Love all your great and helpful podcasts, videos, and content.

I wonder if one of the things that may hold our community back might be addiction problems?

I am a gay 47 year old man and have close to $4 million. I ALWAYS saved. I bought rental properties with chunks of money I had saved from various jobs in my 20s and 30s and always dollar cost averaged into the markets and made it a habit literally daily like brushing my teeth for decades. I always thought about retirement and investing. Life is short. I always dreamed of having nice homes in tropical locations, retiring early and traveling the world. I am planning to retire at age 50 and live my best life for the next 30 years after. I can't imagine working 8 hours/day for years and years and NOT saving or thinking about retirement (?) That is very strange to me. People spend their whole life working - to me its very important to have something to show for it. I always thought of investing as buying my freedom and my time back.

*W h a t...* From my information there is no pride parade that absolutely depends upon corporate overlord.

I tell my nieces and great nieces and nephews to save save save and not be like their guncle!! Even a few bucks a week can add up in the long run. I didn't do the new expensive car or the crazy vacations but was still late in saving for retirement. Fortunately, our house is paid off. One thing I would love to hear is how those of us with smaller 401s can reinvest that money wisely to at least increase our smaller nest egg.

Check out Hoosier Villiage in Zionsville, IN - not exclusively gay, but there is a large LGBTQ community there...well, not so sure if anyone is Trans, but the L and G are certainly present and welcome.

When I moved to Phoenix, I got a job at a local Credit Union. Although I was out to my peers and immediate department, I realized nothing was talked about the LGBTQ + community. No talk about women, people of color, everything was white bread. Needless to say, I gave my resignation 8 months later. I told my boss I was leaving because there was no sense of diversity in the workplace. I immediately got a phone call from a Vice President in HR who happened to be a black woman. I told her flat out the DEI has to come from up above, and quite frankly I don’t see that changing in the near future. I was offered more money, but I declined because I didn’t feel my authentic self outside of my department. I had been to a local pride festival, and the company I worked for was not present, yet I saw another local credit Union who was. I introduced myself to people in the booth from HR and from their EEG. I joined that company, and was my authentic self until the day I retired last Friday. I would never work for a company who wasn’t queer friendly. I was in the workplace closet for way too long working on Wall Street.

i liked it but little slow. chime is evil potholes are the beach and your balls are handsome. Thank you again

Any suggestions for France? Single here as well.

Boomer here and have hardly anything saved but it's my own damn fault. I've dipped into my 401(k) and IRA repeatedly over the years even though I realize how important retirement savings is. Part of it was having a family when I thought I was straight which incurred plenty of expenses while raising four kids. After that phase, I married the greatest man in my life and we were together for almost thirty years and made a fantastic life out west. Sadly he died last year of lung cancer. (PSA, for those who still smoke. Quit! You may not only save your life but some serious cash). Luckily for me, I have a good paying job which also offers a union pension and I can now work extra hours to try to make up for my past misdeeds. I did buy a house in another state early this year as an investment property but that does come with added expenses. Hopefully, I made the right decision with that choice. I wish everyone the best in making better decisions than I did. Oh, and grammar/punctuation nazi here: get rid of the apostrophe in "Gay's" in the title please. Cheers.

Does not matter what category of people you belong to… most people save very little or not at all for retirement.

Wow - just found this channel. Will look it up. I know a lot more rich gay men than I know rich straight couples, so will be interested to watch and learn.

I am finally retiring today after 1:30 PM today. Kind of scary, you know I’ve been putting it off. Saving for retirement is a very big challenge. I was fortunate to work on Wall Street for most of my career and have saved up for this day. I chat with my coworkers today, and they say they that they will never be able to retire. It’s sad. I tell them to start early and sock money away. They won’t regret it when they retire. Now, for me, it’s time to enjoy my next chapter. Cheers!

As a gay man with no family or husband; I am scared of getting old with no money. I save 15 percent of my pay and looking to add another 5 percent soon. It shocks me how many LGBT don't even think about retirement and spend like crazy to be popular.

Essentially, we have it easier than our heterosexual counterparts. No kids, and less likely to be burnt by an expensive divorce. This generation does have challenges, but it's not a gay problem, it an us problem. I have gay friends who spend obscene amounts of money on clothes, cologne, and partying, as well as expensive vacays. Cost of living affects everyone. We need to learn personal responsibility.

I'm actually doing a phenomenal job of saving for retirement. I'm on track to save/invest about $250K this year. Being an ugly gay without a social life means you don't feel peer pressure to spend money stupidly.

Oh, here's a HUGE systemic issue you missed: The school systems typically teach NOTHING about personal finance. I can't think of a better way to keep people enslaved.

Thank you for another excellent conversation with several great takeaways! I appreciated your vulnerability in sharing, as well as understanding a new-to-me term: Financial Fawning. Many thanks again!

I live in Boston and it's pretty obvious to me why gay men can't save for retirement, I never saw people blow money irresponsibly like here! I'm sure just time spent in P-town puts them in debt at least 10K every summer! It's insane. And no sympathy here.

Why isn’t climate considered? PS is only going to get higher temperatures as the years pass, likely reaching 130. Living from one air conditioned building to an air conditioned garage to an air conditioned car makes zero sense. That area is in a climate crisis zone.

Playa del Ingles/Maspalomas Canary Islands, Spain. Affordable, safe, gay resort, great health care, accepting live and let live attitude, great beach and dunes, great restaurants and social venues, great weather all year, cultural events in the city if Las Palmas, 30 minutes away. You can’t beat that.

I live in San Antonio . Our cost of living is below the national average , 91.3. Equality score of 100. Housing 255k. Houston also has a low cost of living and a vibrant gay cultural. Why were these cities not included? I noticed in Colorado that you included Denver and Boulder. They are much more expensive than Austin . Amarillo, no way. They are very prejudice. Brownsville is much better. Please reconsider texas.

25:58 this is where iam at this point in my life,and its a struggle to be in the workforce. would love info for SSDI as an older adult-agism is a factor.

Thank you for this. 💜

Great episode and love all that you do. I like the realism in this episode.

retire into constant drama, drugs and sexually transmitted diseases? Pass

Gays are accepted everywhere.❤

Whan gay people by a 'single family home' they are NOT depriving families of a single family home. Yes??!!!

Affordable retirement if you have $10,000 Monthly income😅

Who cares where people decide to settle down? What I think people often react to is the backwardness of some LGBTQ+ folk from Red States. I hear Red State visitors making excuses for Trump and racism. Sometimes they do this in the name of expanding one's perspectives. I remember some backward gay guy responding to my anti-war teeshirt with threats about knowing people like me. I told him "you and what gay army." The reality is that some folks are not strong enough to maintain a clear head when surrounded by conservative folk. They regress. I am not saying every Red State person is a yahoo, but they are not called Red States for nothing.

Holla all my Gays, I grew up in Key West FL and Saugatuck Douglas Michigan two gay towns also 20 yrs in Tampa, however I recommend Puerto Rico no capital gains tax or property taxes and beaches or mountains it's a $100 round trip from Miami. Way cheaper you can live well on a small income and housing is still affordable, and very gay friendly.

Thanks for providing this educational material. I appreciate someone doing this. I’m currently putting money away through a government system but not too sure how it all works.

First

so horny🥵🥵😙😙

The fact that any place in florida would score 100 of 100 tells me all I need to know about the HRC Municipality Equality Index. Thanks, but I don't need to watch more of this video.

Good they don’t deserve extra rights

I was expecting Hattiesburg to be #1 in state, but it's been a long time since I lived in Mississippi.

When did you make this, a year ago? Ferndale has been increasingly gentrified over the past few decades are especially pos-COVID. They have a sign at an intersections near the LGBT center reading “public parking” with an arrow and plenty of open parallel spaces, but actually don’t start allowing free parking for another block north. That was a pleasant surprise after a meeting with one of their affable and compassionate directors. Many landlords in Ferndale will not accept vouchers from the very few folks who have them. They say no wheelchairs, no chronic disease, no part-time employees only people, and a slew of other things since my tantine tried to get in. The ones who will accommodate have waitlists over two years just like Chicago or Raleigh! It’s Detroit! It’s insane. Owners, often from outside the community’, don’t want to actually make buildings wheelchair accessible and such, but they do milk the tax cuts of telling the government they officially accept vouchers with other conditions (which nobody disabled or injured as a vet would meet). Ferndale, parts of Royal Oak, Birmingham, and Ann Arbor are astronomical, and Motown’s liability driving insurance is approx. 6x higher than in the second fastest growing urban area in the country, RDU-CH/the Triangle). I am friends with an ER doc who spent the winter living in his SUV in Ferndale during a divorce when she was the one having the affair because he insisted he didn’t want to lock himself into a yearns lease if he returns to his home country, Canada, or goes to Australia or Germany to live with his his sons, whose college expenses he pays without telling them he can’t afford a roof overhead in Ferndale. He’s a doctor. They have restaurants where people can easily spend $250 for date night. It’s not a cheap place. Even the groceries are pricier! It was the original spot where teens whose parents kicked them out came to prostitute themselves before AIDS, and we knew a now deceased Catholic priest who used to put them in a guest room and help get them into college. The best more affordable gay-friendly areas are a small patch of one-bedrooms in northern Royal Oak, Hazel Park, Oak. Park, parts of Madison Heights, and limited parts of Farmington Hills.

I’ve lived in a small town in Europe that indubitably was not one of the top gay-friendly, let alone trans-friendly! Could you please make a list of the top ten Western European cities, please? France was enchanting, especially outside of the haughty Paris and the Riviera, but where they aren’t de-industrialized like the Rust Belt from Pittsburgh to Chicago and frustrate not with immigrants skin tones but rather refusal to use the historic language correctly and respect the culture, wine, recipes, women’s rights, secular rights in the public square, etc. I have seen or am told the Loire, Bordeaux, Beaune, Strasbourgh, Savoie (the the Brits are ruining it by buying it up and being obnoxious, at least the ones I met) and the SW (the least pretentious region in terms of viticulture but the area suffering unspeakably with draught and climate change). As for metropolies, I fell smitten with Roma (and a 27 yr-old Swiss heart surgeon with Bel Ami blond hair and blue eyes who invited me to stay with him next time w in Switzerland, but alas I got too sick to function most days, and the doctor said there is only one other safe thing he could try experimentally… and I guess he doesn’t want to deal with Medicare or is in no hurry, which I stressed to him that I am because I would like to return to Europe for grad school and be able to have a lovely relationship there! Life never really “clicked” with many Gen X, M, or Z from the country, especially not gay boys! 😇 Thank you in advance if you can gather tips! I am guessing Copenhaven will be high or the Lisa given their ratings, and Belgium and Switzerland allow euthanasia or safely assisted peaceful suicide for patients the doctors say they cannot help any more other than with narcotics to partially reduce only some of the pain symptoms. They actually only have abortion on demand for 12-15 weeks but by Rx thereafter. We’re light years away from taxing the top 5%, instituting a near maximum wage like we had under FDR and like the French are currently working on, and granting adults bodily autonomy, but ex-pat recommendations could help a lot of folks in our community born before COVID!

Thank you/Danke /Merci (since Racine , WI and the “Mistake on the lake” stand out! It’s true that looking out for gay and trans rights is goes hand in hand with economic justice for the 60% majority of Americans who are pecuniarily in or tottering on the edge of crisis. While I am from near Akron considered Cleveland since my research neurologist said it would be sufficiently close, NE Ohio, like almost every county in the US lacks rent subsidy/reduced cost for folks declared with serious disabilities or veterans. This country is evil. Having also lived and worked in France, I can say that with some perspective instead of just begrudging my fate. Looking forward to your next video to send it to the few monogamous gay couples I knows. Could you also factor fidelity including nearly complete monogamy/“monogamishness” and longevity of partnerships into your ratings, please? That matters a lot for stability not only for the adopted children, but also for the couple and relatives. Thanks! You guys are doing God’s work on here. Hugs.

"Queer money" ? The word queer is STILL disrespectful, insulting, degrading, humiliating and embarrassing to our community. The majority...not minority are still extremely offended when this word is used to describe our community. Extreme gay activists have tried to mainstream this word with success for some bizarre absurd reason. It is never ok to use this word. It is STILL a disrespectful slur. It has hurt millions and still does today. I don't know anyone in our community that embraces this word. They feel embarrassed when hearing this word. You might as well call it "F@g money" or "F#$ggot money".

The gays in their late 50s like me came of age during the height of the AIDS crisis. I am not alone among my friends who had a fatalistic approach to life thinking we were all going to die young, so we didn't save until later. Playing catch-up hasn't been fun, but I'm getting there.

I wished y'all would've broken down by race/ethnicity, because it's even more staggering.

Not sure if it’s on your radar guys, but check out John Knox Village, Fort Lauderdale. VERY LGTBQ friendly … in fact they proudly display the rainbow 🌈 in their advertising. 1 bedroom apts all the way up to 2 bed/2bath with den. 5 restaurants to use your dining credit in, 10,000 sq. ft gym, hair/beauty/spa. Aqua center to include 2 pools one of which is a lap pool. Courtesy transportation to grocery, shopping, MD appointments. It’s a “continuous care retirement community” which means you go in as independent living and age in place. When need arises you move over to skilled nursing and then if need arises memory care center all located on the grounds. Break an arm, hip, or leg? No probs … rehabilitation center on the grounds to get you back to your unit. Biweekly housekeeping included with 6 month “deep clean”. Washer/dryer in every unit and full kitchen. Religious services on the premises for those that feel the need. 350 seat auditorium for concerts and presentations. Movie theatre. When I visited (several times) all the Residents were very happy and every last one of them greeted me with a smile and friendly hello. 😊. You want for nothing. It’s all been thoroughly planned for complete enjoyment and stress free living. And Wilton Manors is but 15 minutes down the road in “heavy” traffic. City bus stops right outside the complex and the route goes straight through Wilton Manors to downtown Fort Lauderdale. Check it out. Maybe do a presentation on it. 😉👍🏻

I'm ace and almost 40. I think I'll be okay in retirement, I've managed to save over 20% of my income through my late twenties and early thirties and 30% the last several years. My brokerage firm predicts I could retire in my early 50's if I wanted, but that would be a bit nerve wracking for me.

Hey guys. I’m trans but also a person of color. This made me think you guys might get some great views because lots of POC in the lgbtq community are looking for best places that are affordable for us to live as well and safe. Tbh there are still places in the US that aren’t as friendly to us, and some that are outright not good environments for us to be in :) just a thought, thank you for your list though! I love watching these especially since I’m looking forward to move from Florida :)