22 Years of Brutally Honest Retirement Advice in 22 minutes

[@Peterl4290]

if the idea is to build an income stream to use as complement for retirement, or at any given point if needed, then building a dividend growth portfolio always buying adding to it could be a good and peaceful path. On the long run consistency and perseverance could guaranty the desired income stream goal with little worries.

[@larrypaul-cw9nk]

the idea is to Look for stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions.

[@Mrshuster]

Well said, with the help of the an investment advi-sor, I diversified my 62K portfolio across many markets and in a matter of months, I was able to produce over 356K in net profit from high dividend yield equities, bonds, and exchange-traded funds (ETFs)

[@sabastinenoah]

wow massive gains! my partner recently hinted on going same direction.. what did you invest in, and who is your investment advisr please, if you dont mind me asking? in dire need of asset allocation

[@Mrshuster]

Annette Christine Conte is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@sabastinenoah]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her...

[@JoeWilmoth-k2w]

This is my fifth year after retirement. I’ve been following the 4% rule thing I saw on a KZbin channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get worried.

[@LucaMurgia-j7b]

Amazingly, you were able to save that much during your active years. Not a lot of people can save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital, so you are not left devastated during a market crash or recovery. To simplify the process, you could allocate your resources with the help of a financial advisor.

[@TerrencesSheldons]

@@LucaMurgia-j7b Yeah, I’m also closing in on retirement, and I have benefitted much from using a financial advisor. I didn’t start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in more profit than some of my peers who have been investing for many years.

[@JoeWilmoth-k2w]

@@TerrencesSheldons Hey, this caught my interest. I worry that I have a couple more months before retirement, and I want to switch to using a financial advisor, but I don’t know how to find one.

[@TerrencesSheldons]

@@JoeWilmoth-k2w MARGARET MOLLI ALVEY is a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and is a valuable resource for individuals seeking guidance in navigating the financial market.

[@JoeWilmoth-k2w]

@@TerrencesSheldons Thank you for this tip. it was easy to find your coach. Did my due diligence on her. She seems very proficient and I'm grateful for your guidance.

[@tatianastarcic]

I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K savings.

[@sharonwinson-m8g]

Don't put all your eggs in one basket; instead, diversify into different asset classes to mitigate risk. If you lack extensive knowledge, consult a financial advisor.

[@nicolasbenson009]

Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 5.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed overtime.

[@TinaJames222]

Pls how can I reach this expert, I need someone to help me manage my portfolio.

[@nicolasbenson009]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Sophia Maurine Lanting” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@Vincent-j8u]

Thank you for this tip. It was easy to find your coach on web. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.

[@X-7-JAMES]

Azul, you’re amazing man. Every young adult, middle aged adult, and older adult should be mandated to watch your videos. Thanks for helping so many of us. I may be reaching out for your services one day. Thanks for all you do and I’m glad you’re enjoying retirement.

[@chrisnelson1712]

From one 59 year old new retiree to another, congrats! I think you hit on many good points. By all accounts, I have saved plenty of money to retire, and yet even with far more than the average I’m still uneasy given market volatility (even with a balanced portfolio). And the idea of spending without actively bringing income in is so entirely foreign to how we live our lives up to this point. But you’re right that we are all living on borrowed time, and enjoying the best/healthiest of those years is priceless. Time to trust that this retirement strategy thing-y actually works.

[@RobertMorris-wb7nx]

You nailed it with this one. I agree the cost of home ownership is expensive. But the rents are also expensive. Rents keep rising. For the better apartments in my area $4,000 plus.

[@Brians007]

Be an owner not a renter.

[@rhodastephens-yoder5693]

I worked as a teacher until I was 67 years old because we edged my health insurance until my husband and I were both eligible for Medicare. When my friends retired early, the cost of health insurance was incredibly high. Thankfully, I loved the school where I taught, and I loved what I did.

[@casienwhey]

Zul, the best thing you can do in your older years is exercise and diet. Those are two things within your control.

[@DonaldMark-ne7se]

Am 58 retiring next year but the thought of retirement gives me weakness. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you never imagined to happen. It’s so difficult for people who are retired and have no savings or loved ones to fall back on.

[@kevinmarten]

True, It has never been easier to understand how to build your money after retirement than it is right now with the inflation, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investments, in my opinion, are complex.

[@Jamessmith-12]

Even if you’re not skilled, it is still possible to hire one. I was a project manager and my personal portfolio of approximately $850k of my retirement pension took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect my funds and make profit from my portfolio this red season. I’ve made over $250k since then.

[@JacquelinePerrira]

please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?

[@JacquelinePerrira]

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.

[@CG92965]

Great "Greatest Hits" video, Azul! Your videos have been my rock standing out in this ocean of doubt surrounding the early retirement topic! I'm right there with you: 59, mom's hitting 90 this year, and lots to navigate. Really appreciate all the actionable insight you provide. Many thanks!

[@afawegzcasdge1270]

Not making up to a million before retirement is unfulfilled retirement.!! I’m 54 and my wife 50 we are both retired with over $7 million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on FED for our misfortunes.

[@afawegzcasdge1270]

Investment should on every wise individuals bucket list. You will be ecstatic of the decision you made today.

[@afawegzcasdge1270]

all you mention are all good but I’ll advise you venture into fx first because it will help you grow your portfolio very fast and it require not so much to start.

[@afawegzcasdge1270]

Going into crypto doesn't mean you buy that much. You can start with little, invest it and watch it grow to generate profits that's how I have grown my net worth.

[@afawegzcasdge1270]

And again stock and real estate require much to start and a longer time to profit from it

[@afawegzcasdge1270]

via google

[@etcomehome39]

SS+annuities cover living expenses. The rest is in equities. Being debt free is critical for peace of mind.

[@castlerc]

Great videos, I really like the way you include everyone, because everyone is so incredibly different. I’m retired, well semi retired at 55 but yeah it’s hard to wrap your head around why people don’t retire or at least start enjoying their life sooner rather than later. When you’ve saved your whole life to retire, it’s difficult to start spending money, so I’m glad you mentioned that I recently just bought a boat and a slip at a yacht club, and I almost threw up thinking about the money I was spending on it, but I think it’s probably the best decision I’ve ever made, sometimes you just have to get out of your comfort zone. I’ve been incredibly frugal my whole life, I just had to realize we don’t live for ever. So thanks for pointing this fact out.

[@pac9764]

Azul - point about life expectancy is good. Country life expectancy provided by WHO is inaccurate. It is an average that contains all deaths, including new born and toddler deaths.

[@williamjones4456]

Azul, sorry you missed it. The best investment by far is exercise and diet for body and mind. Don't eat any dairy or white flour, vegetable oils or junk (not food). Walk a half hour each day. Stop sitting on your duff. Read something, anything to improve your situation. Maybe investment books. Portfolio alocation diversification should include precious metal, rentzl properties, businesses and also stocks. Don't rely on just on the market for your future success.

[@Tsunaniis-j5l]

convinced that investing $50k-100k in the right company before it goes big is better than just saving for retirement. But since picking the right company is hard, saving might be safer-who would’ve guessed SPGI? I have $200k in a HYSA and want to invest. What are the best opportunities now?

[@MakeamericaGreatagain-h7j]

I find it more productive and safe to buy growth/blue-chip stocks rather than etfs. It's advisable to work with a fiduciary advisor for well-diversified portfolios instead of relying solely on speculations.

[@Damncars456]

I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.

[@PhoenixReborn-v6v]

I'm glad I found this conversation. I have cash to invest but am worried about picking the wrong stocks. Can you refer me to your financial advisor?

[@Damncars456]

Sophia Irene Powell is the licensed advisor I use and im just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.

[@MARSHMALLOWwhimsy]

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

[@PerryP649]

wow, both you and Joe Kuhn recommending the same book this week. keep up the great work!

[@jamoscatelli]

A ROTH is a tax me NOW account, not tax me never. An HSA can be a tax me never account.

[@3namechangezalowdevry90day7]

An HSA is usually only available with a get-reamed-on the-price-of health-insurance-plan. It's a good deal if your employer's paying!

[@patricksimon8943]

He addressed this in several videos before…he knows and so do those of us who have followed him for sometime.

[@3namechangezalowdevry90day7]

@@jamoscatelli A trad IRA can be tax me never IF you control your income by only withdrawing a bit every year, so that your personal exemption covers what you'd owe in taxes.

[@benvirgil1573]

I'll second the recommendation to read "From Strength to Strength" by Arthur Brooks. I am currently working on planning my next stage of life, and this book is helping me.

[@donaldmiller9648]

Good advice to prepare yourself...don't however plan that when you retire things will be stable. The last five years since I retired have demonstrated this, even with what I consider a stable investment of 50% bonds and 50% stocks it has yo-yoed up in value and down and back up (20%)..agree though enjoy those early years while in good shape.

[@christopherlynch3314]

If you win $100M you instantly have a new career, managing that money!

[@KH-vw9yl]

Great honest advice from someone who as gone before. Thank you for opening up and continuing to provide solid information. I am continually surprised about the cost of health care as a rising expense for my retirement years and appreciate you highlighting that issue.

[@whenbirdiesfly]

Great eye opening video! Can you do a more in-depth video about the pros and cons of renting or owning a home in retirement? Thanks!

[@georgethomason5041]

Thanks Azul. This is a good "panoramic" view. Several topics pivot on who we are as individuals, and we should be mindful on all these topics.

[@mchristr]

My dad almost made it to 80 with liver disease. My mom is 93 and never exercised. My grandparents--all born in the 1890s--made it into their 80s. I eat right and love to exercise. You'd better believe I've got my money invested to last me in to my 90s. After I hit 100 I probably won't care as long as I've got 3 hots and a cot.

[@miketheyunggod2534]

Yea ok.

[@miketheyunggod2534]

Yea ok.

[@4040smokey]

Excellent content.

[@RobertSeemann]

The very best health care coverage is exercise. Good content Azul!

[@reynoldslacybrleroymeuschke]

!!I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $2m+ before retirement

[@JoseLopez-lf9rw]

As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Kristine Lynn Weber is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

[@AnastasiaAngelinaPetrova]

I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Kristine Lynn Weber, for her expertise and exposure to different areas of the market.

[@JoseLopez-lf9rw]

I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $200k passively by just investing through an advisor, and I don't have to do much work. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.

[@AnastasiaAngelinaPetrova]

Without a doubt! Kristine Lynn Weber is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.

[@reynoldslacybrleroymeuschke]

how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?

[@Scotnish4U]

54 think about retirement, your vids regularly appear, always valuable and interesting perspective. Thanks for putting your thoughts out there, very helpful.

[@patiencezero-xc9zl]

Here is a huge piece of advice if you really want to retire before 59 1/2 or certainly before Midicare age. You can qualify for HUGE health insurance subsidies if you limit your REPORTABLE income in the first years of retirement. So, if you have significant ROTH holdings, cash or even tangible assets like precious metals and use them as your primary source of income, you will qualify for subsidies that will help pay for as much as half of your health care premiums or more. Two areas that really need to be thought out before retiring are health care premiums AND taxes. They are not mutually exclusive factors either.

[@zoomzoom3950]

Great summary.

[@scottjackson163]

Who told us throughout the “saving years” to max our tax advantaged accounts? Get that employer match. Shield your contributions from immediate taxation. Just pile up the savings and multiply your salary to gauge success. Now - after it’s too late for many of us to do Roth conversations - the savvy planner mantra is to distribute retirement assets strategically over 3 buckets. Where was all the prescient advice when such behaviors were actionable?

[@karenbenning2166]

I have similar question!

[@briand4000]

Our socio-economic condition in the US is a dumpster fire. We're taking SS at 62. I have zero faith in anything the federal government does helping out the middle class man or woman. We're being slow boiled (like the frog) into insolvency.

[@kimhayes3828]

The economy is booming. If you want this to continue, vote BLUE

[@Helen_white1]

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.

[@DhanaPayar]

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.

[@BridgetMiller-]

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

[@Theodorebarba]

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

[@BridgetMiller-]

My CFA ’Stacy Lynn Staples’, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@Thompson-e7h]

Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.

[@andrewjones1119]

Really appreciate your advice, A-man. Thank you!

[@fictitiousnightmares]

Good video, although timestamps for the tips/advice would be nice.

[@selma5885]

Good summary!

[@marionsutcliffe1119]

Isnt it statistically shown that a large part of yield is determined by allocation? Why do you say "I think that..."

[@shubsferret]

can you talk a bit about what type of health insurances that are available for early (pre 65) retires

[@reesesha2289]

If you want great healthcare, PPO, choice of top Drs and hospitals like Cleveland Clinic, self-pay is outrageous!

[@briand4000]

Affordable Care Act. Can get quotes there. Your state might have its own exchange. Get a high deductible plan and set aside money into a health savings account that you never touch for anything other than medical needs. It can be done. That's what we're doing next year when I retire at 61 or following year at 62....election could crater the market...we'll soon see.

[@reesesha2289]

@@briand4000 Thanks. So I could get like a Blue Cross bronze plan-high deductable- then put money in HSA thru A.C.A. vs paying for like 80-20 gold plan? concerned about election too.

[@briand4000]

@@reesesha2289 You could, yes. Have to look at the premiums, max out of pockets and your overall health conditions. It does get nuanced. Both of us having some cancer history (skin for me, breast for her), we are most concerned about major medical coverage. We're OK with more of a catastrophic care type of plan. We fund, via cash out of pocket, health maintenance services through a functional health practitioner we're working with. It's wonderful!

[@yashpatel261]

Own real estate. Make good investments that provide passive income like high quality dividends. Monitor your expenses. Practice gratitude.

[@jayreed9370]

I have heard the alarmism about social security running out for my entire life, and I tell you in all honesty that the politician who reduces or permits the reduction of social security benefits (and let's be clear, raising the retirement age is a benefit reduction) will have ended their career forever, regardless of party. And I believe there are many, many people who believe as I do. People will demand other measures (like removing the cap from the SS payroll rax) first. Senior poverty is already too high. Even the most ardent Trumpists won't support a return to widespread starvation in old age.

[@SHANECatLovinActivistHistorian]

why do we live in a world where people who save some money have to basically bet the money at the wall street/govment casino and hope it works out? Why isnt saving in itself good enough. Something is wrong with this system we are living under. Something unethical and shady is going on in the world we live in where working class people have to work for decades and yet still must gamble with the little bit of money they put back by throwing that money into a tank full of suit and tie wearing sharks and hope they dont get eaten by those sharks.

[@foxtrotwolf6081]

Depends on your country within this world. In my country everyone has an opportunity to move from one class to another. Or move their kids to another class. It is easier for some than the rest of us, but the opportunity is there, somewhere.

[@Scotnish4U]

couldnt agree more, ou rmoney is broken.

[@SHANECatLovinActivistHistorian]

@@Scotnish4U like carlin said, the system is rigged, its a big club, and we aint it. And they will get it all from us sooner or later

[@Brians007]

Real estate investing with a long term view my friend. Avoid putting everything in the casino. I have been around for a while and have seen it play out. The people with a plan and patience do very well.

[@SHANECatLovinActivistHistorian]

@@Brians007 not everyone has 40 years to wait for things to play out. Gen x got screwed in the work place by getting low pay since there were more people looking for jobs than there were jobs

[@DF-by7gy]

Azul, are you still sticking to one house rule in inflationary economy?

[@nfaoussoukouyate1963]

No sir i really hope i have my decision thanks

[@wisdomlab-db]

How do I connect with you for a personal conversation?

[@FFT2D]

1000 days, not 1000 weeks ?

[@youarehere1251]

Business days, excluding Holidays.

[@FIRED13]

I hope it's 1000 weeks!

[@SHANECatLovinActivistHistorian]

i put everything i have into beanie babies

[@DianeKKnutson]

Thank you for your video, you know.. I can’t recommend Shellane Maxwell enough! When I first approached her, I was overwhelmed about retirement planning…Thanks to her guidance, I was able to restructure my investments and focus on high-yield options. Within just a year, my retirement fund grew by 25%!

[@DianeKKnutson]

She also helped me create a savings strategy that allowed me to set aside an additional $10000 a month. Now, I feel confident that I can retire five years earlier than I originally planned. If you're serious about securing your financial future, Shellane Maxwell is the one to talk to!

[@DianeKKnutson]

She mostly interacts on Telegrams, using her name.

[@DianeKKnutson]

@shellanemaxwell she’s verified

[@lissa-v6c8k]

Wow I am suprise to see her mention here, after following her investment strategy, my retirement account grew from $500,000 to $750,000 in just 5 months

[@mike-x3h7q]

She helped me set up a budget that enabled me to save an additional $2500 each month for my retirement fund

[@nicolasallen8072]

1000 weeks is 19.2 years.

[@WallaceDunn]

I can’t believe you are quoting WHO, which is notoriously WRONG. Use the chart from the IRS based on your current age. I’m 67 and according to the IRS my life expectancy is 83. You know better Azul.

[@mikeb6957]

Good to know the current tax laws will not tax Roth accounts. We all should realize Roth accounts may someday soon be taxable.

[@jzeff6250]

True. .gov will change the rules whenever and however it wants.

[@karenbenning2166]

I have heard this rumor too. I do not have any Roth accounts but if they change the tax rules on these funds they surely will have to grandfather in the ones set up years ago? If not then that would be really an unfair tax.

[@DevinWiebe]

I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $200k passively by just investing through an advisor, and I don't have to do much work. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic

[@henry-d6k4z]

Please I need someone to put me through on how this Bitcoin trading really works, I'm interested and willing to invest heavily in it.

[@Georgemarco-j4d]

Assets that can make you rich *FX *Btcoin *Stocks *Gold *Real estate

[@DevinWiebe]

Honestly speaking.... I will continue to trade / and stick to harriet dixson / daily analysis and guides as long as it works well for me.

[@faithful-x1v]

Without a doubt! mrs harriet is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience..

[@Putcal7i]

hello from norway I'm retired at 47, went from Grass to Grace. This here reminds me of my transformation from a nobody to good home, honest wife,$35k biweekly and a good daughter full of ❤ I’m forever grateful harriet dixson

[@drumsnbass]

When my health checks out, so do I…

[@patiencezero-xc9zl]

Transition difficult? Ha! Retirement is like summer vacation and I will never regret retirement.

[@kerilockwood7819]

I’m now officially depressed.

[@Rick-gy8fz]

If you are 3 to 5 years away from your retirement date. Do NOT have your main retirement fund bucket in the stock market. You will not have the time to recover from a major decline in the markets.

[@karenbenning2166]

Great video! Another way to ride out a stock market crash is to have more in cash than most financial advisors like. I am 76 years old and I just have never liked bonds or annuities. My stock portfolio is 100% in blue chip stocks and large cap ETF's. But that is only 1/3 of my assets. 2/3rd's invested in banks and credit unions. This lets me sleep very well at night. My only concern every year is where do I invest my RMD as I do not need the funds. Have heard that the next decade will see the market very stagnate w maybe only 3% growth. I wonder if u have a video or would consider doing a video on investing RMD's?

[@mikesurel5040]

There have been predictions that gains for the next decade will be 3-4% for the next decade for, well, decades. Nobody has a clue.

[@karenbenning2166]

@@mikesurel5040 I have heard these same predictions and I am O.K. with my investments if this proves to be the case.

[@BurtGordon-o2u]

Have that cash to buy stocks on sale!

[@selma5885]

What if you've met your retirement goals but haven't been in the market since 2008? How do you go into stocks? Should you?

[@kimhayes3828]

To avoid your savings being eroded by inflation, stocks are recommended. But if you have met your goal, I suggest no more than 50% in stocks, and put it in an index fund. Try Vanguard, VTSAX.

[@mikesurel5040]

That joke in your industry is no different than having a regular W2 job. I do not see why people get worked up about that at all

[@johnristheanswer]

Can you still legally call yourself a financial planner if you've now retired ? Also , you've talked about " letting go " of your career in the past, once retired. Are you struggling with that ?

[@vincem8065]

1 minute of advice for every year😂

[@rkw2917]

American social security is funded on projected future revenue A very sketchy proposition I would not like to rely on that, fortunately I am not American

[@parafacerocks289]

Spreading more fears as if we havent got.enuf. thank u

[@teddystoner8288]

Retired at 50. Bad knees. 54 now and found myself in the emergency room from a unstoppable nose bleed. 15 buffets in a row while on vacation. Wake up call?? Find myself eating Halloween candy.

[@imveryhungry112]

I really hate to admit this. But in my experience observing the world and older relatives, by 75 years of age, most people are severely debilitated and a lot of them dont even know whats going on anymore mentally. Yeah some outliers make it to 90 still living independantly, but thats rare. Also by 65 most people are leading very simple lives. As in, staying home most of the time not going out to bars and clubs or restaurants, so spend very little money except maybe on healthcare for pills and treatments. By 65, most people dont even need that much money anymore.

[@NewGuy2024]

Each time I hear a loud train noise in the background, I remember an old comment to Azul to check local train schedules next time before filming.... 😁

[@reesesha2289]

If you want great healthcare, PPO, choice of top Drs and hospitals like Cleveland Clinic, self-pay is outrageous! Preventative and Longevity Drs. expensive. Experts on you tube is like gold - from Healthcare to finance. Thank you Azul.

[@chuck_in_socal]

12 month interest free loan.

[@DisabilityAttorney]

I like your content, but too much background noise on this one to watch through.

[@damncars2618]

I'm living in the Philippines. America sucks.

[@karenbenning2166]

I live in USA. We have our problems but I still would not want to live in any other country. After this election I guess I could change my mind. Hoping for the best.

[@sargentbenson2799]

Get some sleep Azul🥱

[@Buckaroo801]

Quality over quantity. You’re putting out too much recycled content with different titles just to boost your KZbin income. Um…don’t. More quality less quantity. And aren’t you supposed to be “retired”?

[@by9917]

Typical Boomer thinking

[@AA-zt9dv]

Typical mindless comment

[@mchristr]

Please elaborate. What is your objection and how would you do things differently?

[@foxtrotwolf6081]

It's the typical retirement advisor thinking. In your opinion, what is the typical non-boomer thinking, or what is the atypical boomer thinking?

[@ppw8716]

Agree with everything! I realize what good is having money when I’m no longer able to enjoy it. Yes, you can donate, which I do.

[@ocox8659]

Translation = put it all in crypto….go FOMO, YOLO!