This Retirement Data is TERRIFYING || Do you want to be an 'Also Ran'?

[@ianworley8169]

Do not listen to anyone telling you to work on beyond 67. I hit my 35 years of national insurance contributions when I was 55. I'd prepared my path ten years earlier. I bought a cheap rural home in Portugal (£35k and theyre still available as ruins for that) and renovated it during holidays in the interim. We sold up in the UK at 55 and have lived on the proceeds since then. I have a private pension which started aged 60. My full State Pension finally starts in 3 weeks. Every day is absolutely amazing. Don't work a day longer than you have to. The clock is ticking. We are not slaves to the system. No Government can tell you when to stop. Go find your own freedom.

[@couldntfindafreename]

Problem is the years of zero tax on pensions paid in Portugal are gone...

[@guyr7351]

Sadly the state system Offers you nil reward for being taxed potentially an extra 10-12 years from paying your NI contributions. I wouldn’t be surprised to see the qualifying years increased by the Government over the next ten years to 40+ years required, especially as company pension schemes have had to be offered for the last 25 years or so

[@guyr7351]

@@garyaustin487 is that right? That seems absurd that your pension rate is crippled like that. I believe it is frozen if outside the uk at whatever level it’s in, but when you haven’t even started getting it they can set it at a value years earlier, when just because your still in the UK regardless of how much you have contributed V those getting pension credits who could get full pension, there is no justice

[@kelvinlarder4741]

Mate , I have worked 52 years as a top flight butcher, pushed myself to the limits, For me working after retirement is a bonus love the job too much.

[@SjaakSchulteis]

Those figures at 7:45 are altogether 100% or are they each the percentage of everyone representing that particular age? If the latter, what happens with the 65% - 70% that does not die at the age between 75 - 80?

[@roberthicks7021]

Retired at 57, im not rich, i make do with my economics. But i answer to no one. Freedom!

Nice one mate.👍💪

[@maestroCanuck]

Same, hit “my number” at 57 and did work one more year. I was not psychologically ready but a year later I was….retiring can be a head game. I am almost 60 now and love love love my retired life. Do it earlier if you can!

[@MrThebigcheese75]

Having to deal with people I have no respect for is what is motivating me to try and retire early. Loyalty is a mugs game I learned. Do what is best for you, if you have the means then do it.

[@maestroCanuck]

@@MrThebigcheese75 100% in agreement, as for loyalty, I learned that lesson decades ago. It is indeed a mugs game. Good luck to you in your quest to retire early.

[@Domn879]

Thats the way to do it. Im 45 and I was always worked hard but always hating working. No way I am working past 60.

[@JohnRamsor]

I’m retiring in 4 weeks at 58. Worked hard, saved hard, job done. Had enough of the corporate stuff

[@stephfoxwell4620]

Well done. Good luck. You will not regret it.

[@MrThebigcheese75]

Good on you, corporate bs is soul destroying. Good luck.

[@guyr7351]

Well done and enjoy it

[@christopherellis2663]

@JohnRamsor good luck. Watch out for the gossips

[@pataleno]

I’m 55 and due to retire at 60. I’m desperately trying to push it forward. If my company announce any voluntary lay offs my hand is getting raised.

[@adventureswithsci]

My father worked hard all his life. He had his first heart attack at 55 and the second one, which killed him, at 59. That was in 1992 when I was 22. This was the single most defining point in my life at the time, and probably still is. In my 20s I vowed to myself that wherever I was, whatever I had "made" by the age 50, I would slow down and prioritise time as the most valuable life asset. I am currently 54. 2 years ago, out of the blue I was diagnosed with a giant calcified thoracic disc which had compressed my spinal cord by 80% and was slowly paralysing me. I have tried to do the right things for my health through my life and have always kept myself fit (which ironically might have been my downfall, in respect of my back...). I was almost anticipating having the same heart scares as my father, but this was a shock and the experience of being in a neurosurgery ward for 2 months a real wake up call - crap things happen to ordinary people. The surgery did paralyse me and I've spent the past 2 years learning to walk again, and trying to be "normal". But the fact is, I am less-abled and will be like this for the rest of whetever life I have ahead of me. I would call myself semi-retired currently - I still run a business, but my priorities have changed massively. Soon after coming out of hospital and being passed to drive again, we bought a small motorhome and have spent the past couple of years travelling as much as we can. Even going 2 hours up the road and spending a couple of nights off grid is a complete tonic and relative to where I was 2 years ago makes every day feel like Christmas Day

[@guyr7351]

Good luck, that in a nutshell sums up why the individual needs to make their own plans. Don’t rely on the company or the government

[@AC-awesome]

Genuine comment: I think you're amazing. 👍

[@Mmm-y5w8o]

Yer enjoy nature the motor home sounds great you can have amazing adventures any time

[@D.F.-ux5fe]

I think you should publish an email address ASAP (a working one, so not at the big G)

[@Contentibus]

Bless you man. Best of luck 🍀

[@seankinnane12]

you soon realize no company gives a shit whether you work hard or turn up every day...the sooner people escape this toxic scenario the better. Retire as soon as possible

[@guyr7351]

@@seankinnane12 yep we are just a number and cost in the balance sheet. Easily discarded by corporate. I was made redundant due to “re-structuring” always hit sales targets and bonuses etc. received the statutory redundancy, which was basically half of my weekly wage. No flexibilty so we were all treated the same. Same as hopeless co workers who went to the clock, spent time on mobile phones etc rather than grafting. Getting pushed out at 61 during Covid only job was in half my previous salary. Called it quits last November just short of 64 don’t miss work one bit

[@blableebleebla]

I concur

[@Slim_Chiply]

Often easier said than done. Health care can be a major pitfall in the US. If you have significant health issues, be prepared. Some of us are forced to keep working because quality health insurance is just too expensive.

[@randywaldron2715]

I have a year left before retirement. I still outwork my younger co-workers, but I do so for myself, no one else. It's about respecting myself. I have few illusions about the workplace. I can't control the attitude of others, but I am responsible for my own actions

[@searchersearcher8286]

Pulled the plug at 50yo, it was scary at first but no regrets. Now 74 yo and thriving

[@jonathanmoore994]

Diet is more important that anything. Three months ago I had a wake-up call (my suit trousers no longer fastened!). I read up about ultra-processed food and whilst I didn't eat anywhere near as much as many, it was too much. I've chopped it right back to very low levels and without even trying (and certainly without ever feeling hungry) I've lost a stone. I look better, and feel better, than in years. I'm never going back. Everything now is cooked from raw ingredients bought from good quality shops, no more granola, no more supermarket pizzas, very little bread, no more biscuits, lots of good stuff. I'm lean now like my grandparents used to be in the era when everything was cooked properly. When I go to the supermarket now, I am acutely aware of the fact that probably 75% of the aisles are simply full of total crap. This is what the population needs to do to stay healthy for longer, and save the NHS billions.

[@maxflight777]

Super post ! ⬆️🎯

[@69spook]

Well said old bean .... 👌

[@firecloud77]

I did this decades ago. Imagine if everyone did this. What an amazing societal transformation would occur.

[@livinforlessinsingapore3601]

I totally agree. Only discovered this for myself this year. Yes, supermarkets are selling at least 70 to 80% rubbish. However, I also realise that many jobs depend on the sale of all this rubbish. What will happen to all these people? if we all wake up and stop eating ultra processed foods etc.

[@carlywright5127]

The processed food and Big pharma in cahoots to fill their pockets.

[@davew6637]

I'll retire no later than 62 and if I run out of money and become a burden on society, great. I've been supporting bums for decades and sincerely hope I can return the favor.

[@william-fla-321]

Right on.

[@neo433]

I will retire at 58, spend the lot by 70, and if I’m lucky enough to live longer I will become an illegal immigrant.

[@ogopogo1397]

Nope. They will abolish any support and offer you assisted death. Mark my words. WE'VE been very stupid to allow social programs. The takers will NEVER be givers.

[@my3dviews]

I hit 60 this year. Getting tired of working. Will at minimum work to the end of the year, then decide. I wouldn't mind continuing to work, but at a lower rate. Maybe four or even three days a week instead of five.

[@Laza367]

Exactly , spot on

[@dominic8218]

Finish work as soon as you can. It’s the life in your years, not the years in your life. Good luck 🤞🏼

[@robertparsons313]

Yes, get out as soon as you can. There's a whole world out there.

[@autumn-g1n]

Nicely put.

[@theoldguy9329]

Good idea as long as your life is not your work -- a danger to avoid pre-retirement.

[@BibTheBoulderTheOriginalOne]

But what about people who love their work?

[@dominic8218]

@@BibTheBoulderTheOriginalOne 🤣. Yes keep going 👏🏼

[@Grace.h-t8o]

From paying for day care and college, to managing mortgage payments. I'm approaching retirement yet inflation is getting worse and recession is biting harder by the day. How can I generate more income to retire with at least $3m for long term care? I have about 750k in savings.

[@Thompson-e7h]

investors like you should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.

[@Kin-28-8]

Accurate asset allocation is crucial, I used hedging strategies to allocate part of my portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay financially secure for over five years, yielding nearly $1 million in returns on investments.

[@Theodorebarba]

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

[@Kin-28-8]

I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've worked with "Stacy Lynn Staples" for years and highly recommend her. Look her up to see if she meets your criteria.

[@Agatha.wayne0]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@SavannahMitchell-b3d]

I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.

[@samuelrandy-k8x]

Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!

[@PennyBernadette]

That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!

[@NorthCarolinaForward]

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

[@PennyBernadette]

"Rebecca Nassar Dunne" 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.

[@lolitashaniel2342]

I searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you

[@patriciamay6396]

My mom waited to get Social Security at age 70. She died 6 weeks before her birthday. Retire sooner and enjoy life while you’re relatively healthy

[@Basman59]

That’s what I did at 62. Not the plan but covid saw to the end of my business. So, I worked out the breakeven point on my pension if I waited until 67 or took it at 62. I’d have to live until 84 to b/e. So despite the 30% reduction I took it with savings, also knowing I will get a top up from another pension at 67. I worked as a paperboy at 15, bartender at 16, then all through uni. Bar a 3 year break due to emigrating for a second time 45 years figured between ageism and recognising ‘what’s the point’ attitude on my own do it now. Turning 65 this month, so 3 years in and have to say I miss working but know it will never be like it was. Better to live with less than want for more.

[@amonratpeavy9717]

So true .❤

[@briankerr4512]

if you have the money ... if not , not a chance

[@Gilly-gx8rt]

@@patriciamay6396 that’s so sad, & true of so many x

[@edb3877]

My dad took SS benefits at age 62 and passed at the age of 67. I took note of that and made early retirement a life-goal. I studied investing and finance on my own and taught myself to be a financial advisor, purely for family finances. I also saved about 40% of my after tax income and invested that money in a collection of mutual funds, particularly those that concentrated in high tech companies. This was assisted by my wife who also had a professional career. So, at age 55, I retired in 2004 and have been at it ever since. I'm 75 now and doing just fine. Retirement is not something that we get handed to us. It's something for which we have to work, plan, save, and invest but it most certainly can be done, even today. Dedication to this cause is a must, if one really desires to achieve it, which I did. Others can do this too, just be aware that it's not easy to do and never has been easy. But if it is your dream, it can be achieved.

[@69camaro19]

"Genetics loads the gun, diet and lifestyle pulls the trigger"...

[@Trevor-iy6db]

So true 👏

[@Chanesmyname]

Genetics is dictated by cell senescence and that is hardwired - it will pull the trigger of the metaphorical gun, you may scratch a few more years with lifestyle, but senescence is the period to it.

[@william-fla-321]

I’m going to borrow that saying!!! I like it.

[@TheBillaro]

on that note, i'm off for a hike!

[@ArrosticiniVore]

Lifespan is not Healthspan. Heart disease, dementia and cancer rates above 5% did not exist before 1900... We had WAY longer healthspan

[@garybarnett2756]

I’ve retired at 62 and loving every single day,no getting up at silly o’clock and getting home at silly o’clock and too tired to enjoy the weekend.

[@Jeff-cv4qn]

1 year to go😀

[@lawrencer8673]

​@@Jeff-cv4qnenjoy your healthy Years

[@AgileSnowWeasel]

@@lawrencer8673 both of them, according to this video :/

[@stewartroberts2983]

Yeah,bud we work to live,not the other way around, if you can stick 2 fingers upto work,run for the door 😁

[@lawrencer8673]

@@AgileSnowWeasel I am sure you live for decades more.

[@marineboy1964]

Me and my wife both retired at 55 , we dont chase new cars and new this and new that ,we have 2 allotments and keep things simple ,we are both 60 this year 2024 ,you don't want to be the richest person in the grave yard, just enjoy what's left of your life and keep it simple and live "the good life"

[@tested211]

"Richest person in the graveyard" - that's very good. 2 allotments sounds like a full time job! :D

[@chrisowens9612]

😊

[@TheBioniXman]

When I was about to leave school at 16, I was asked what I wanted in my future, my answer was retirement. So at 17 in the 1970s, while my mates were all down the disco getting p1ssed, I joined the RAF. I completed the aptitude tests and was allowed in as an aircraft mechanic. A year or so later I was part of the cold war in Germany with my brand new BMW motorcycle. I climbed the ranks and became an aircraft fitter. I eventually left at the age of 42 and joined the MOD as a civil servant. I was then doing an aircraft engineers job. At 45 I decided that now was the time, I sold my house and took my motorbike to the south of France and bought a house here. Never worked in France as I could live on my small RAF pension, at 60 I also got a Civil service pension, then last month ath 66 I got an old age pension. Just bought a new BMW motorcycle. I love retirement, and am a time millionaire.

[@chggg567]

A "time" millionaire is a REAL millionaire, much much better than even the billionaires we see around who seem unsure of what to do with their lives, participating in dangerous underwater or space explorations just to get a little bit of kick in their lives.

[@dansubaru]

A "time" millionaire is a priceless comment - that's now my goal !

[@adm58]

Very important point. I have seen several professional financial advisors on YT who all make the point that the biggest mistake retirees make is not the one they fear, i.e. running out of money, but is in fact, running out of life or health before they spend their money.

[@BlackMan614]

You would think geezers don't own a mirror.

[@walsakaluk1584]

​@@BlackMan614 we do. It's hard to be humble when you get better looking each day.

[@scotdoc]

@@walsakaluk1584 😄

[@teessideman.8253]

👏👏

[@damiangrouse4564]

@@walsakaluk1584 correct

[@catobie1948]

I'm 75. Single.I worked to 70 because I enjoyed my job and I needed money. When you have a million dollar house to sell...or you have a double income for years, early retirement sounds good. Most importantly, I have kept myself out of the medical matrix and continue to remain healthy. Health is your most valuable asset whether you believe it or not. Surgery isn't always the answer to bad knees or hips. Try all options. Usually losing weight is a great place to start. And do strength training. I did cardio for years but neglected strength. That was a mistake. Fortunately I started working on that and things are great. Eat healthy food. Play outside.

[@grantharding8868]

I'm a 63yr old and live a Carnivore lifestyle. My health is my biggest asset and I enjoy my job so will continue working as long as I keep enjoying it.

[@vaughangreen9816]

I’m living the Carnivore life at 59 years old 11.7 stone no meds I still enjoy working as well ,your health is your wealth it’s not all about money 💰

[@masoncnc]

Health is wealth

[@jillchew-tetlaw3388]

There are two things in life that money can’t buy, health and happiness. If you have both you are a millionaire.

[@stevenmorris2293]

Surgery is the only answer to Bone on bone knees I

[@trex860]

I’m 68 years old. I’ve been drawing a paycheck and paying taxes for 53 years. My current and final job pays more than I have ever made in my entire life. I could talk myself into working forever until I dropped dead at my desk. I chose to retire in 2 months and actually enjoy the time I have left.

[@yedidyah-jedshlomoh1533]

Retired at 62. Got high land. Got physical gold. Got physical silver. Got garden. Got orchard. Got God. Got dry powder. Can identify 50 weeds for food. Got happiness.

[@freemason4979]

Carpe diem !

[@dbs555]

The woman at Wells Fargo who died at her desk and wasn't found for four days kinda points out that nothing is guaranteed in life or death.

[@ganymeade5151]

Bravo.

[@yedidyah-jedshlomoh1533]

@@dbs555 Got high land. Got physical gold. Got physical silver. Got garden. Got orchard. Got God. Got dry powder. Can identify 50 weeds for food. Got happiness. death comes to all.

[@Misterdestructer]

I was always planning to retire at 60, then got blood cancer at aged 55. The medics told me I was unlikely to survive after relapsing. I did but my mind and body was so wrecked from the cancer and chemo, I was off work for the following two years. When I returned to work I was only counting down the clock until my 60th. I have been retired about 18 months now. After you get your head around it there are no regrets and it is great having no “Manager” lording over your time.

[@johfu4705]

One big oversight in this conversation, many people work not just to make money but they find a lot of meaning, purpose and joy in their work

[@jimsmart6940]

Yes my dad worked as a brick layer, loved it. Retired and went downhill fast

[@hydraulics]

Yup. I dread retiring. Even on summer holidays I feel anxious. My brain wants to contribute to society.

[@MHeadroom]

My dad worked hard all his life. Retired 65th as that was conventional and quickly sank into dementia from lack of brain engagement and died too early.

[@guyslife7638]

I can see the attraction of retiring for sure but no chance I'm going to fall into that trap lol, I'll work to 70 and beyond best I can thanks very much, that's my dream x

[@louiseleite3866]

I hate working, mainly because of my mental health illness. I can't wait.

[@andrewfountain9096]

I finished in May of this year aged 64. no regrets whatsoever. I survived a heart attack 10 years ago. They do'nt want us to get to state pension age. If you can afford to do it, finish up as soon as you can.

[@audience2]

You're lucky to have got out alive. I've seen a lot of people die in the job in their 50s.

[@jrosam9569]

The never did, a very small percentage made it to pension age when the sate pension was introduced.

[@lacdirk]

@@jrosam9569 Which is the only way it can be sustainable. People need to focus on making their working life better, not count on endless welfare from some age on.

[@thomasforster725]

It is about time someone talks about the time left as a healthy individual. Thank you very much for that! I didn't know there were stats around this. I have seen my mother suffering and wishing for her own death her last 15 years. That is why 3 years back I have started to turn my life around in that aspect. I had a major back problem (I have even seen a spinal surgeon about this) and I was obese. I have found a great nutritionist and with her I have lost 30Kg in 3 years. My shirt size went from XL to M. For my back problem I have started to do daily exercises, in the morning and in the evening every day at home. I have started slow and very careful for my back. Now I do daily around 200 push ups, 150 squads, planks, etc. .All in all I spend half an hour in the morning and evening for this. No need for surgery. I feel young, strong and great! It was always my goal to extend the quality of my time I have left, but I think I am probably also extending my life expectancy. I am now 64 and my message is that it is not too late to turn things around!

[@KiraLou06]

Thank you - this inspiring to me. 55 year old lady here - I relate. All best and keep on keeping on.

[@nobullshoot]

just tried and i could only do 10 good pushups. time to start turning things around. I thought pushups would strain my back so i avoided them

[@thomasforster725]

@@nobullshoot I can't say if it helps you or not. I believe all backs and back problems are individual. For me I have tried to strengthen my core. Almost all exercises I do are to strengthen my core. And pushups is one of several exercises which helps me. You probably shouldn't do it if it hurts you. - I was looking around in youtube and there are plenty of videos of exercises. Here is a channel I like for people over 50s: www.youtube.com/@HT-Physio . Perhaps that is a good place to start? And by the way: I think when I started I couldn't do many more then 10 pushups. I can't do my 100 pushups in one round either. I do a set of exercises (ie "sitting" on a wall, 20 pushups, plank 1 minute, 20 sit ups, etc.) and I do these sets 4 times. When an exercise starts to get too easy I look around for variations so that I am always challenged.

[@markandrita132]

I would never even consider sitting, eating or watching TV on a stool! Why would I even consider such an unclean and dirty practice! I personally use a toilet and evacuate my stools as soon as the need arrises! But that's just me!😊

[@S.RMarigold]

The retirement age is 67+ in the Netherlands. I am 60 and finding it harder every year due to multiple health issues, recovering from extensive cancer treatment, heart condition, poor eyesight. Not considered severe enough to be entitled to sick pay but enough to leave me totally exhausted in the evenings and weekends and unable to socialize or visit the grand children. My husband works but 1 salary no longer pays the bills. I work in primary education and have tried to find less demanding jobs but age discrimination seems to be a real thing. It is almost impossible to retire early, even with good savings and an extra fund that we paid into for 40 years because of high rent increases, high energy costs and food bills. Not moaning just stating a reality for I guess many people who were sold the 65 retirement dream. I feel for the generations to come knowing that the retirement age will go as high as 70.

[@a.d.595]

Same here in the UK, retirement age is 67 now but probably be push forward soon, I think the agenda is for people to work 'till they die .

[@williammaloney1796]

People here in the United States talk about 60 as if it were the new 40. It seems that there is no pushback against raising retirement age to beyond 65. Most of my family & friends died before 66 & never even received a retirement check 15:08 check

[@norabrady9066]

I'm 67, still cycling 10 miles each way to work at Manchester Airport. Feel pretty good to be honest, and have zero intention of retiring this side of seventy. I work shifts and get a lot of time off so I'll carry on until I don't want to get up at 03:30, but for now I'm loving it!

[@neilhilton35]

Well said you. You will know when the time is right. You have both purpose and perspective. I am 60 next month and work in Warrington. I recently returned to the industry I joined at 16 and am enjoying my work. I have a plan but I am willing to be flexible if circumstances change. Keep going for now!

[@norabrady9066]

@neilhilton35 Thanks for the encouragement Neil. Retirement isn't a one size fits all decision, it depends so much on personal circumstances and whether or not you enjoy your particular job. Hope you carry on enjoying your return to work and all the best for your future!

[@neilhilton35]

@@norabrady9066 Thanks Nora and the same to you. I always say I will know when to stop peddling and get of the bicycle. In your case that is so fitting too. Take care.

[@manonthebike2205]

The cycling alone will play a big role in why you're feeling as good as you describe. Long may they both continue. Cheers from NZ.

[@norabrady9066]

Spot on Manonthebike. Just treated myself to a Wahoo indoor trainer so I can keep cycling through grotty Manchester winters!

[@stephenrobbins2931]

My parents chose my 'O' level and 'A' level subjects, and even pushed me into what I studied after that. I ended up working in management for a large ungrateful company until the age of 50 when the stress became too much. Then, after a lot of soul searching, I changed tack completely and started my own home improvement company, doing what I love doing as a job. Now I'm 61, and I have more offers of work than I can cope with. I choose to only work three or four days a week, and only 6 hours each day. I take three or four holidays a year and enjoy life. If you love what you're doing it isn't 'work' and you don't waste your life looking forward to the day you will retire.

[@boatlx9860]

Yes mate, I did 5 years in FMCG management as a young man and used to look at my superiors, stressed out, and old before their time and thought, if you stay doing this for 20 years you'll be like them. Been on the tools now 30+ years running my own show, and although it has its ups and downs you are in control and having the crack. You might have also noticed, nobody can do anything properly nowadays, so us older guys with experience will always be in demand, and aren't going to be replaced with 'AI' anytime soon.

[@stephenrobbins2931]

@@boatlx9860 you're spot on. I have two guys working for me, both over 75, neither want to stop working, we have a great time and we're doing stuff that most customers just can't do themselves. Fair play when it's pensioners who are in poor health, but it's also youngsters who don't seem able to do anything. We love the pensioners best, always have a great laugh with them.

[@ChrisLivingInYork]

My mom died of cancer at 52 and I’m going to be 46 at the end of the year. I’m currently finishing of my final house flipping project and planning on selling next summer. All being well I can retire after that and make the most of my healthy years. It’s crazy just how fast time flies and the last 10 years have gone far too fast and it’s scary how little time we have left.

[@Uncommonsensetoo]

Good for you. I retired at 52 so you'll beat me by 5 years

[@mikeoglen6848]

How many years do you think you've got?

[@TheFlaneur-up1ft]

The word “Retirement” is out of date and shouldn’t be used. The word should be “Freedom “, Freedom to choose what you wish to do, to stop work, to mix and match what you want. Retirement is such a loaded word.

[@SimonC-x7e]

Couldn't agree more. By all means give the middle finger to the boss at the job you hate but keep active and earn money doing something you love = more bounce, healthier life style & a purpose.

[@ingramdw1]

Absolutely. You don't kick back and do nothing at "retirement" age, you switch to doing things that don't pay a salary.

[@kevb8544]

Good point- if your happy working, crack on - not everyone wants to retire, important to enjoy whatever you do as the years roll on.....

[@grahambamford9073]

I work in a heardwear shop, and one of my customers does cemetery maintenance and he told me that there are a lot on men dead in their 70s from looking at headstones. My father also died in his 70s, and he worried about his pension most of his life, little did he know that he would be dead a few years after he retired. He never smoked or drank, he ate quite healthy no junk food got lots of exercise. You have to realise your days are numbered. Enjoy your life.

[@ntek2709]

No one goes to their grave wishing that they'd worked harder in life

[@grahambamford9073]

@@ntek2709 wise words..... very true. As the years go by, it's "time" that you need, when your young you think you will live forever but as you learn time speeds up, and before you know it your middle aged then elderly. Time is precious, enjoy your time.

[@miketuttle9319]

@@grahambamford9073 I'm near the end of my working life, and I wished I'd worked harder.

[@PaulKelly-p3p]

Yeah keep working for the man

[@cjengland2365]

I really loved my job and honestly didn't want to let it go. I slowly reduced my hours and found other things that interested me and finally retired before my 68th birthday. Now I'm enjoying the next chaper of my life with no regrets.

[@tonyshortland8812]

I retired @ 67. Two years ago, (I must be an also ran). For someone working and contemplating retirement, I would say the most important thing is owning your house/property. I paid off my mortgage, at 56, then saved like crazy, the truth is, I don't really need the money I saved, I have a small forces pension, and with state pension, I can live on it. My friend has rented all his life, and can't retire, because his rent, is his biggest overhead. If I have a regret, it's living such a frugal life, after I paid off my mortgage. It's difficult moving away from a saving mentality.. best wishes

[@willbee6785]

You sacrificed.

[@aprilapril2]

You get your rent paid in uk…

[@edb3877]

"It's difficult moving away from a saving mentality." Yes, it is. After saving as much as I could for most of my adult life, changing that to becoming a spender is quite difficult and I have struggled with that. But that's OK with me. There are other problems that one can face in their elder years and I am grateful for basically good health and a loving family.

[@davidsimpson8192]

Really ..do you ? ​@@aprilapril2

[@lacdirk]

The thing is that bot those pensions are welfare, and it is not affordable. It's not just that lifespans have increased so much, and that the corresponding healthcare costs have soared, it's also that the past few generations simply had too few children. So if you retire, be sure you can live off your savings for 10 to 20 years, without relying on welfare and free healthcare. Because pensions and free healthcare for pensioners are not going to be around much longer.

[@19photojim61]

I cannot understand this drive for retirement. I’ve seen people spend the 40 prime years of their lives working at a job they hate, eating unhealthily, taking little exercise, drinking too much alcohol and looking forward to retirement. For many, it’s too late. I’m 62, self employed and love my work. I’m gradually reducing the amount I do and probably will still be working at least part time for maybe 8-10 years. I’m looking forward to carrying on the life I enjoy as long as I can - if I could work two days a week and have five days of leisure - sounds like perfection….

[@workhardplayharderx2]

Sounds like a good plan. Curious, what do you do for work?

[@KW-qd9vq]

💯 %. I’m in a similar situation.

[@johnw2758]

I'm 62 and have worked 2 days a week for nearly 2 years. I gradually went down from 5 days a week to 2. It's better doing it gradually as you can budget better accordingly. What I am concerned about though is, I have a small works pension and am wondering what will happen if these clowns decide to means test. It seems that they will 'knock' the value of my works pension off the state pension, making all my hard work a waste of time !

[@PaulGappyNorris]

You cannot understand this drive for retirement yet you explain exactly why people are looking forward to retirement… “40 yrs working in a job they hate”. Too many people are ‘stuck’ in the rat-race and many can’t find a way out 😕

[@vibrolax]

Retired early at 59 when my wife got sick. She recovered, and we've spent the last six years traveling in the campervan and answering to no one. It took me a few years to stop thinking I should use my hard-earned skills to keep making money, but I did. Despite having a good and successful career, I appreciate being able to cook, eat right, exercise, relax, and see the world as it really is on my own schedule.

[@pmfsify]

❤

[@stephfoxwell4620]

Retired at 57. Best thing I ever did.

[@StormTrooper-bf6xb]

Me to hated work and one day decided I didn’t need to work more I’m naturally lazy and am enjoying idleness.

[@stephfoxwell4620]

@@StormTrooper-bf6xb Don't just do something. Sit there. Is my motto.

[@garywilson1235]

My wife(A dinner lady )and I ( An Electrician)worked our bits off for 46 years,invested accordingly whilst bringing up 2 kids ,and we both retired at 62. Best thing I ever did. We have sorted out the inheritance for our 2 daughters and 2 grandchildren, and they know it’s our time now. It’s no good being the richest people in the cemetery, or enabling the state to take your hard earned cash when you’ve gone. Use it or lose it!

[@korntron]

I took a class about aging and basically you can (a) live your last 15+ years being tortured by diabetes, high blood pressure, muscle loss, cancers, perscription drug side effects, etc. or (b) keep your brain and body active so when your time finally comes, it’s fairly quick. On a chart it would look like either a slow degrading line or a straight horizontal line with a sudden drop at the end. Get your annual physicals, switch to a mediterranean diet, start walking and weight lifting, and eliminate as much stress in your life as possible. There’s nothing better than walking out of a doctors office after a physical and your perscription is “your good, loose a couple more pounds and I’ll see you next year.” As opposed to “we’re gonna have to increase your dose of xyz.” btw: class was online at Stanford Continuing Studies.

[@andrewrobinson2565]

"torchered" 🔦 +1. Don't forget spare batteries. Thank you for shining a light on your course. 😗

[@zahidriaz8755]

😂 lol

[@korntron]

@@andrewrobinson2565 lol, I suspected that spelling was incorrect

[@andrewrobinson2565]

@@korntron It was funny. Don't change it 👍❤️👍. +1

[@ganymeade5151]

@@korntron Spelling is the first to go. LOL

[@gcgopro6912]

I knew a Scottish builder who worked until 83 and died at 90. He was climbing ladders at that age maintaining a large mansion. I used to go into his workshop that was filled with cigar smoke. I visited him at home after he retired and he used to say "when you come you might find me pissed!"

[@edithflood631]

He lived life to the full. True Scot. Respect.

[@bathroomjon1]

I’m a 57 year old bathroom fitter. I retired last year on a VERY tight budget. I’m Fortunate enough to do the odd job to pay for treats but this has amounted to about 8 weeks in the last year. I’m thoroughly enjoying my retirement whilst what’s left of my dodgy back and knees can still get me up and down hills when we’re out walking. 50 percent of the year we’ve spent visiting places in our camper van. Do it as soon as you possibly can folks. Long may it continue!

[@AshleyGordon-dt1zq]

I don;t understand why anyone "dreams" about retiring. My father retired in the 1990's at 55. He was so bored in a month that he took on an ailing company and turned it around. He worked until 76 and enjoyed every moment of it - always felt appreciated, rewarded and motivated. I'm now 65, partner in a small consulting business (50%) where I have been for 35 years and still love it. I have taken 2 months off a year and travel extensively - very happy to keep going as I dont regard myself as any form of slave.

[@ivanglossop5106]

I retired at 54 years old and I'm now 61 years old best 7 years of my life.

[@Golemofstone]

A guy i worked with for the last 18 years recently retired at 67 after working for the same company all his life, Got a copy and paste retirement speach from our Director went on "That once in a lifetime holiday" as it "Was time to live life" became ill while overseas and died 3 weeks after returning to the UK. I've done the apprentice route and that firm went to the wall years ago, IMHO if you are working for someone else you're just a number, and if you happen to be good at your job they will keep you for as long as they can (on the lowest wage they can get away with) BUT you are just a number to them (Wages, Productivity, Time off, Etc) Best to get your "Retirement Figure" and work your way to it in the shortest time possible as far as i'm concerned.

[@veganconservative1109]

Coworker who was the best in her department for many years quit suddenly. Turned out they didn't want to give her more than 24 hours a week.... and she was financially well off and didn't need to work for them, she just wanted to for something to do. So she left to find other work.. or maybe just go and enjoy her life. Hopefully the latter.

[@jeffhaskett2766]

@@veganconservative1109 For many people, if they are ok doing the work, if they don't really have anything else to do, it would be better to keep working. I used to hear many men die within a few years of retiring.

[@bobjames6622]

@@jeffhaskett2766 Most of them died early because they made the mistake of making their work their LIFE. It's not (at least for me). It's just a means to earn money. I have no interest in my work; my interests ALL lie strictly outside of work. Oh, and working hard is a mugs game. I did it for decades, and have only just switched over the last 4 years to doing just enough to avoid getting sacked. I used to be the one running my arse ragged while so many others around me just coasted. What a bloody fool I was!

[@protectorh9167]

Everybody is a number at the end

[@eyesuckle]

Well, if that story isn't a cautionary tale against travel, I don't know what is! I'm cancelling my vacation.

[@joethecomputerguy1]

Yes, 67 is a bad age. I retired at 52. That's a much better age to retire.

[@RF-km9ko]

What if you enjoy your work? What if the game you are playing is fun?

[@2GoRoam]

Then enjoy. Only caveat I would make is.... gaining financial independence means if someone that enjoys their job is made redundant, they have options.

[@RossiPopa]

I'm no longer confident in my strategy following the recession. I'm approaching retirement with comfortable millions. What's the most effective strategy to protect my cash reserve?

[@RusuSilva]

Many overlook that banks are return-driven businesses. I don't trust keeping a large sum in a bank. Instead, I invest with guidance, enjoy the benefits, than save for retirement.

[@FusunTumsavas-cq7tp]

After the '08 financial crisis, I've learned not to trust corporations. Since 2020, I've been investing with a financial advisor and have had major portfolio yields of over 88%, so I'm not going back to relying solely on banks.

[@RichardMoore-jg5tl]

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

[@FusunTumsavas-cq7tp]

Monica Shawn Marti is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@RichardMoore-jg5tl]

Thanks for the info. I searched for her full name and found her website right away. I reviewed her credentials and did my research before reaching out to her.

[@gladiator22666]

My father worked in construction all his life , by his mid fifties he could hardly walk . I followed him into construction, by my mid forties I could feel the joints starting to tell my age . I promised myself I wasn’t going down the same road as my father . I finished work at 56 , not got a lot of money and what I haven’t got I do without……..what I have got is the most precious commodity at this point in my life ….time ! I have hobbies that fill my days and now I have the time to try new hobbies I couldn’t do because work got in the way . I hear people saying “ I need to top my pension up for when I retire “….just remember you might not get there …………

[@markjohnno1]

'Life is what happens to you while you're busy making plans'

[@misscoutts6193]

@@gladiator22666 people in the I800s couldn't retire.

[@makaheng]

Mate, from the shape and size of your midsection, you could benefit greatly from increasing Healthy Life Expectancy by dropping the size of the midsection, weight and add muscle mass. Diet (immediate fasting) and gym (resistance training) is your tool. Have a good one, mate !

[@dinhcom1]

You nailed it. If the you fella sorts out his gut with a Keto or Carnivore diet and does some resistance training, all he needs to worry about is funding himself to 100 in perfect health. Food is medicine.

[@anthonydear4708]

Funny!

[@seekingthemiddleway4048]

I was thinking EXACTLY the same thing. I.e. he can escape those statistics by intermittent fasting and going to the gym and the pool, 4 times a week.

[@ashleywilson2072]

@@seekingthemiddleway4048 or get a dog and go walking

[@broddablack5290]

Omg! 😂you are killing I can’t stop

[@ColinAtkins-j3h]

Retired at 56 id simply had a belly full . Living out of the uk now seems i did the correct thing money aint everything you cant buy time retire as early as you can youll get bye 👍🏴󠁧󠁢󠁥󠁮󠁧󠁿🦊

[@AG-so4gl]

Health is said to go down hill from 72..Nobody should have to work 40 years only to have 5-10 years of quality living. Retire early wherever possible..

[@stevesecret4782]

Bang on. 58 i am retiring, got plans to buy a percentage in a local gym

[@hugheskevi]

Health goes downhill from about 40ish. The higher the starting position at that age to decline from, the better. Mitigating the decline with strength work, exercise, not being overweight, and eating healthily will go a long way too. Sadly the vast majority of people to do all of that, and a large number fail to do any of it.

[@nickhumphries6220]

The Government do not retire you because you are healthy and the young need your job.

[@ganymeade5151]

Absolutely. Most people who work after 65 wish they had retired at 65 or earlier.

[@couldntfindafreename]

Society only wants to milk you as long as they can, then want to see you being dead as soon as you start to receive pension, so more they can take. That's how life works, currently. Don't play their game if you can.

[@Trylobyte]

Retirement age constantly moved forwards, pension funds being ripped off/going bust, failing health as we get older. It makes very good sense to adopt a simple, healthy, inexpensive lifestyle -and work as little as possible. I do part time hours in a job I love, and I live for today.

[@mikeo2693]

At age 50, I got it through my thick skull that exercising every day is important. By age 59 I finally conceded you cannot out exercise a bad diet. At age 60, I’m 65 pounds lighter and working two days a week easing into retirement. I wish I had done a better job with my health at an earlier age like I did with my wealth if I were as disciplined about saving myself from the toxic effects of processed foods and being sedentary as I was about saving every penny, I could for retirement investing, I probably would stand a better chance at actually being able to enjoy my senior years. I’m fine now but I wish I had done this in my 20s. Every blood task and every scan is like waiting for the bill to come due for a rock ‘n’ roll lifestyle. As the band Cake said you’ll pay dearly for youthful magic moments.

[@stucunningham1]

A lot of guys after 30 are overweight, smoke or vape, drinking every weekend, eat poor food choices and don't exercise. I've friends who just earn money but don't look after health, hoping to retire early but don't look after themselves. Most people tell themselves a story, don't have time, too busy with family etc. I've had friends in their 40s die due to alcohol and just being overweight etc. You have to look after yourself first, or it won't last.

[@horseman6468]

Some people have unfortunate genes but far more have poor lifestyle.

[@MrThebigcheese75]

I often think that you rarely see any overweight older people. I mean 70+ and even less as you get older. Just look at the war veterans.

[@glennet9613]

We were overweight, unfit, smokers when I was fifty but we bought a couple of cheap bikes and turned our life around. Now I’m 79 and we go cycling, hiking or skiing every day, today we are going for a hike in the mountains. We eat single ingredient foods, fruit, meat, vegetables and only go to restaurants that cook from scratch. Today I’m making lamb backstrap with potatoes gratin and beans. Last night was home made pasta with red pepper, shallots and bacon. Health is something that you have a lot of control over, more control over than money. You can be unlucky but let’s be honest - the vast majority of people, not everybody, who are unhealthy in their early sixties have brought it upon themselves through lack of exercise and eating junk food.

[@edb3877]

Yes, not to mention smoking. Every smoker with whom I worked died years ago and I'm still plugging along at age 75. I feel good but do have the occasional pain here and there. I think that this is the part of life where we get weaned off of it via a lot of aches and pains that makes it all seem not to be worth it anymore. So far, so good, though.

[@edithflood631]

Your story is inspiring to me.

[@Whineboy]

💯

[@glennet9613]

@@edithflood631 Thanks, I really want to encourage people to make the most of their latter years.

[@pammyrogers]

I’m 69 and work full time at an active job I love. I don’t do doctors or pills at all. I’m lean and eat small amounts only when hungry. I could care less about retirement. Your quality of life should be about compassion for others.

[@AJ-hi9fd]

If you love your job then you’re loving life 👍

[@misscoutts6193]

​@@AJ-hi9fd I think she loves the salary.

[@benhoward4294]

I’m 51 and retired from my stressful career in Construction Management and got out of the rat race. I’m not money rich but a Homeowner and mortgage free, kids have grown up and it’s me, my wife and my dogs. I’m loving life and work when it suites and want to keep my savings in check. I always need some stimulus and require a sense of purpose that work provides. I keep active going cycling, walking, go on holiday when I want and enjoying life while I can and not when I’m too old. Best thing I ever did. When your dead, your dead.

[@dorothymoller566]

I’ve been a healthcare consultant for most of my career. Disability free life expectancy is a huge concern. As a society (particularly in the US) our focus is almost exclusively on keeping people working as long as possible and treating chronic illness when it occurs - rather than keeping people healthy as long as possible through healthy lifestyle and allowing people to take breaks throughout their careers. No reasonable person would do that with their car, yet we think it’s fine to do that with human beings.

[@t.m.l.t.m.l.5399]

One of the reasons I retired early is because I could not take longer breaks. It would be nice to be able to transition to retirement with a shorter work week or as I proposed to my company is a job sharing with someone in the same position. Two people sharing a job letting them figure out when they will cover. Lets say a month on and a month off or 2 and 2. You would not require any vacation time. Seems like a no brainer to me but the company looked at me like I was crazy.

[@dorothymoller566]

@@t.m.l.t.m.l.5399 What a waste of experienced talent and resources. I will never understand why companies are so pig headed about these things.

[@mrhouse3826]

I guess you'll be voting for Trump then, now that RFK Jr. is now on board?

[@dorothymoller566]

@@mrhouse3826 Not quite following your logic. Sorry. Dyed in the wool Democrat.

[@mrhouse3826]

@@dorothymoller566 Are you not following the news? He's joined forces with Trump to MAHA (Make America Healthy Again) that's the slogan

[@protectorh9167]

I am working 4 days in a week at 60, less money but better

[@Trylobyte]

Thats the way!

[@andycommonsincanada]

Two expats here from Canada 🇨🇦🇬🇧we retired 5 years ago at 55 56 respectively. We actually now live full time in our 45 foot RV traveling in Canada in Summer and the USA in Winter. Planning on buying a Campervan in New Zealand so we can spend some of our time there too.

[@colinfwalters]

Think about Australia. You can cover NZ in a few trips in a rental van. You will never finish Australia

[@michaelwilloughby406]

I retired at 58 now 78 retirement is the best job i ever had.

[@lpoplpop-hr1jt]

At 67 I'm working full time. And loving it.

[@mr.ftravels3295]

Retired at 56. I am still healthy at 62. I was in Kuala Lumpur and went into Afib. All the tests had confirmed that my heart is good. They said Afib can happen to anyone, even the healthy. Now, I am at risk for stroke. The point is retire as early as you can. After 60, living is pure luck. After 75 you’re not doing a whole lot. In your 80’s you’re dealing with a lot of health issues. In your 90’s you’re in a nursing home or need help. There is a little amount of time to enjoy retirement. Basically your 50’s and 60’s.

[@nobullshoot]

blogger Azul talks about the go-go years, slow-go years, no-go years. The good health years of go-go are short, to 72.

[@safffff1000]

So you brain wash your self with a timed limit

[@photo-journ]

"retire as early as you can". Absolutely. Only a fool dies at their desk if they don't need to be working. No one will remember your name three months after you're gone.

[@biggerissues6085]

This video ENTIRELY ignores the huge number of people who do not have the financial option of retiring early. It is smug, condescending, and patronising. If you were lucky enough to work for an employer who paid your pension all your life, you have no place in this discussion. If you gained a huge inheritance, you have no place in this discussion. And if you have sufficient funds to retire at 55, you have no place in this discussion. People are struggling and need help with retirement. Being able to retire early is NOT something you need help with.

[@waynegoh3270]

@@nobullshoot why 72? why not 70? is there a source for this btw?

[@GRAYnomad]

I retired when I was 45, I'm 70 now and still going strong. Conversely I had a friend in his mid 60s that decided to do "just one more year"...he was killed in a workplace accident during that year.

[@123Goldhunter11]

At 74 I'm not retired.................I'm just tired.

[@nicholasglanfield9221]

Retired at 60 three years ago . Worked through COVID, this gave me and my wife a big wake-up call. Have not looked back , have new friends, play bowls and keep fit. Important to maintain fitness and strength ,also healthy food diet. Enjoy each day. Money can’t buy the years back.

[@Lonewolf-kw8gg]

I started working age 17 I'm 62 now, 12 months ago I had herniated discs at 2 different levels in my spine, my Doctor told me that my working days were over and put me on sick leave, I was shocked when she said this and couldn't imagine not returning to work as a mechanic, now having been home for a year I've enjoyed every minute of my time, I can fill my day's easily cycling, walking the dog, gardening, riding my motorcycle, I can retire in 7 months and draw my pension, my wife can retire one month later, I've had a taste of what retirement should be like and have no desire to return to work, keep busy and do the things you enjoy, retire asap is my advice.

[@TM-tw1py]

The reality for many people is that their jobs, their businesses are their life work - and it is among the most enjoyable meaningful things in their lives. To retire from that work is to lose much of their meaning for living.

[@KW-qd9vq]

I agree. I love my work/ business. It’s very fulfilling to me. I think “what the heck would I do if I retired?” I think days would melt into each other without structure, timelines and accountability. Recreation is great, but I fit that in my life now. I don’t know , but endless days with no purpose would be depressing to me I think.

[@deanpapadopoulos3314]

So true…so, what’s the solution? 🤷‍♂️

[@KW-qd9vq]

@@deanpapadopoulos3314 Keep working until it’s not fun anymore.

[@VH-gw3qi]

⁠@@KW-qd9vqyour comment is quite a sad one as it seams you’re hooked, … we work to earn money which will give your freedom to do what you want when you want …. you’ve really been missing out on what life has to offer you … change it now ! Get out of your comfort zone my friend … asap … you’ll wish you’d done it earlier

[@guyr7351]

⁠have a life and self value away from work, I’m retired 64, my wife is still working and she strikes me as someone who measures her value against her job and how she is respected at work. I’m More cynical and say if she was to become ill tomorrow work would re-organise to cover / replace her within a week. I don’t understand how she cannot take more enjoyment from her great granddaughter who’s 3, and the opportunity to see family and friends who she does not see much of as we live away from them now.

[@aeonturnip2]

My sister and brother-in-law did exactly that - my sister is a teacher and was due to retire at 60 but was asked to stay on for a year longer to help with the COVID situation in their school, and her husband (who was 10 years older) thought there was no point retiring if his wife was still working, so he kept at it. They put their plans on hold to downsize their house, buy a little place in France, and then when they both did retire they started their plans again, but unfortunately my brother-in-law died of a massive heart attack before they could finish their dreams. My sister managed to finish it all alone and is trying to enjoy her retirement now, but it was such a shame that they didn't get to spend their retirement together in their new setup because of that "just one more year" push from management. I am hoping to retire early to try to maximise a bit of healthy time in retirement, even if it means that we'll have to downsize and live a more meagre lifestyle.

[@rustykatt3870]

ae9nturnip2- 🤗 All the best to you and all of us! 😊✨✨

[@nobullshoot]

I have heard stories like this many times, including my coworker and neighbor who dies 6 months before retirement. It happens and can happen to anyone

[@tbjdiamonddog]

Very sad, yet as we know this often happens

[@martinhammett8121]

95% run out of time before they run out of money !

[@guyr7351]

Yep, and the financial industry promotes a slow draw down on your pension pots to ensure there is a healthy balance even when/if you reach 95. Despite average expectancy about 86 years of age. Of course this would have nothing to do with the extra % based management fees in your invested pot would it?

[@rokyericksonroks]

@@guyr7351 All in the name of fiduciary responsibility of course. Retire early and become a spender’

[@GeoffColeman-y7s]

When I was 17 in sixth form discussing all issues we came to a conclusion that at any point in life you were told you had six months to live how would you change your life. Whatever the answer do it now, without the diagnosis of death. I'm now 73 and have lived by that philosophy all of my life. It has meant some difficult decisions when I was not enjoying life and decided to change, using the six month idea. For me it worked I've had a great life, and continue to do so at my elevated age.

[@andriesliebenberg8062]

I’m turning 57 in December and having a ‘change of focus’ ie retiring in January 2025 - 2 years later then planned 😁. I’ve actively been planning for this for the last 15 years. It is so important to set financial goals as far out from retirement as possible and then work toward achieving the targets which are re-visited and adjusted each year. I am beyond excited.

[@oregonpatriot1570]

I was forced into retirement at 58 when the DOT rules changed regarding medications I could take while driving a big rig. The good thing is SSID (disabled) payment is the 2nd tier of the scale. Today st 67, I'm living comfortably, but only if I'm somewhat careful.

[@rokyericksonroks]

Did the DOT change allow for you to claim SSDI? Or was that unrelated? It’s not a bad rate.

[@oregonpatriot1570]

That's exactly how it happened. I've had four bad discs in my back for almost 40 years, and up until I retired I was allowed to take pain medication as long as my doctor said that I could do it without endangering myself or other people. Then they change the rules. No driving big rigs under the influence. PERIOD. I'm not surprised. ....at least not a surprise as I was when I found out that I could continue taking the medication and drive! I can't say retirement is all I wished for, but as long as the government is solvent, I'll get my $1850, plus medicare and section 8 housing which is under $500 for a spacious one bedroom apartment. When the government goes under? I'll cross that bridge when it floods! LOL .

[@mamacitasalsera]

Yes it's also referred to as healthspan. This is why we need to look after ourselves, do strength training, eat well etc.

[@BoninBrighton]

What’s ‘terrifying’ is obesity and alcohol/smoking impact on poor health during retirement.

[@timheeney2060]

therefore do something about it and stop being terrified.

[@lucanidae100]

Lots of drinking

[@BoninBrighton]

@@timheeney2060 yes it’s good advice to those people focusing just on the money aspects, it’s health that truly matters.

[@stevemiller1517]

But occifer, i'm drot nuck, i'm snowed stober.​@@lucanidae100

[@GGWP-nx3kn]

Which is why they are legal. Less burden on the state after having dutifully paid all your taxes to the government. ✌️😙

[@jonathanmoore7519]

I retired at 57 I am now 62. I planned for my retirement but then retired straight into COVID, Liz Truss came along with a disastrous budget, Putin invaded Ukraine... All of this had an a negative effect on my investments/savings. Food, house, car and pet insurance sky rocketed. Water, oil and electricity also cost significantly more. My wife's winter fuel allowance has been cut and we're told to expect an expensive budget. You can plan financially and emotionally for retirement as much as you like... However, nothing can prepare you for events outside of your control.

[@bolwem50]

I'm also 56 and unexpectedly lost my job last week. Fortunately, over the last year I've downsized (rightsized) my life, fitted some green tech to my home and have now reduced my outgoings to a minimum. Seeing this has given me the motivation to eat healthy, exercise more and retire. Time to stop stressing over finding another job and start living. Perhaps a part time job for some pocket money and a social outlet... A very timely video. Thanks

[@VH-gw3qi]

It sounds like it’s meant to be ! Sounds like you’ve got a plan, go for it ! Take care

[@guyr7351]

Good luck, I was made redundant at 61 and found a job at 50% previous salary. Fortunately I was already saving quite heavily in previous job and had taken control of monthly spending so was able to manage while still saving. Now retired and waiting for a company pension to start (6months with hopefully a tax free sum) and then state pension in 18 months. These will Allow me to have an income higher than I was earning in my later years so life is looking up over the next 18 months

[@MJ-ge6jz]

I realized I was throwing away my best years working for the man. I told my nephew to retire as soon as he can so life can be enjoyed. When I realized I immediately needed to retire from, at 58, my job and take advantage of what little time I have left. For us who planned poorly your only chance it to get some bitcoin so it can finance your hospice care. Good Luck !

[@raybod1775]

Thank goodness I retired 8 years ago when I was 58!

[@MR-rd7el]

Good 4u at 62 I'm I turn 60 in 2025

[@kortyEdna825]

Perfect topic. I'm 3 years in retirement @57, did a good job in the accumulation phase with net worth of $3M+. The problem is I haven't spent any of it despite knowing I have no concerns of running out of money. Some minimalist traits that helped me save are not easily cast aside. I sense I'll be dead and gone with plenty of money left behind, but that was never a goal.

[@KaurKhangura]

I have a feeling I’m going to be in your boat too. I’m 52 and have $3mil socked away. I hope to retire as soon as next year. But I’ve been in a frugal savings mindset my whole life. That transition without feeling anxiety is going to be tough.

[@Justinmeyer1000]

Excellent video. I'm 63 and single with $2.3 million saved ($1.3 in Roth IRA). I bought a t-shirt for $80 last week. Today, I have five more t-shirts arriving. They cost $54/each. I grew up very poor (no toilet, shower/tub, bathroom until I was 10). I plan to move to Los Angeles in two years. It looks like I'll have to spend $1.5 million for a home. I'm trying to spend. p.s. I retired at 48.

[@PatrickFitzgerald-cx6io]

I'm glad I found this conversation. I recently settled a lawsuit and would like to talk to your coach about investing for my retirement.

[@Justinmeyer1000]

I'm cautious about giving specific recommendations since everyone's situation varies, but I've worked with ‘’Aileen Gertrude Tippy” for years and highly recommend her. See if she meets your criteria.

[@PatrickFitzgerald-cx6io]

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.

[@johnburrows3385]

If you work in a job you truly love ,you can keep going . If not ,retirement is a relief.

[@neilhilton35]

Well said. I totally agree.

[@williammaloney1796]

At the age of 62, I felt unable to continue working, completely burned out and I no longer really had the energy for the 9 to 5 routine anymore. After a brief hospital stay, I realized I could die without even experiencing even a year of retirement. So I retired.A few years later, I had to be hospitalized for congestive heart failure for 3 weeks and wore an external defibrillator for months. Half of retirees experience serious health problems a few years after reaching 60. If I could do it over again, I would have retired even earlier. Retirement advisors talk about hoarding money to plan on living to 85 and beyond as if we will all be enjoying international travel and cruises after 65. It appears I will come nowhere close to spending down my retirement savings at this point.

[@robertbarton4776]

Retired at 55 (fireman). Examine why you are working. The majority of stuff you are working to finance is ultimately meaningless. Your time is the most important asset you have, spend it wisely.

[@stephen6262]

My dad got made redundant at 53 and retired He done pretty well and worked hard He passed away late 70s I was very proud to be he's son. I'm not clever but I'm hoping to retire at 62 fingers crossed. Although I'm panicking about labour stealing my retirement and money

[@markd4768]

Your father raised you well. You sound like a very intelligent person and that’s coming from your Dad! Intelligence isn’t just learnt from a book it’s being brought up by a father like yours! You were blessed with that gift from God .❤️

[@tokairic3925]

Both my daughter are in their 30's. Both are on moderate pay even though they both have a University Degree and one has a Masters in Graphic Design. They both see whats happening to the pension system and cost of living. The rapid changes are worrying. Neither can afford to save for a pension which will give them any standard of living in retirement so both have decided to live life now and worry about the future later. What the Gov have done is remove the advantage of working for a living over benefits. More people will simply decide not to work, because if you work all your life, live frugally, and save for your retirement, the Gov will simply take all your money and and your house, whilst paying benefits to everyone who hasn't bothered to save. There is no way to prepare for old age or any sort of future when the Gov can make sudden financial changes at the drop of a hat.

[@bobbytheblade2550]

I planned my retirement at age 15: RETIRE BY AGE 50! I retired right at age 50 and fell into some great routines: biking, pickleball, swimming, hiking and service work. That's it! My wife worked an additional 5 years before joining me in retirement. We married and raised 5 kids who all turned into achievers as well. I don't see any of them working past age 50 unless they choose to. I planned my retirement as a teen, and it worked! It's been 10 years, and LIFE IS WONDERFUL! NO REGRETS!

[@Dukiedukester]

Everyone in the comments seems to be ignoring those of us who love our work, who derive satisfaction from engaging in a profession, and who give meaning to each day through a commitment to learning and growing professionally, no matter one’s age.

[@chrissmith-lf1hz]

You are missing the point Dukie, there's nothing more stimulating than to read the self-satisfied, self-aggrandising comments of a bunch of old men who feel the need to publicise the astoundingly boring details of their own personal life-scheduling victories. No wait, I got something wrong there....

[@WiseAdvice93]

To all who are overwhelmed or hurting-may you find peace and clarity. I pray your fears turn into strength, and your heart fills with hope and faith. Amen.

[@jeremyduszynski9729]

Your comments on HLE hit the spot with me. I retired in December 2021 having worked 45 years and thought I was reasonably healthy. Then in 2023 I was approached by some former colleagues to become the Secretary of a standardisation committee with which I had previously been involved. This I was sold as a part-time role and I thought could keep me mentally active. I took on the role early 2024 and was immediately swamped with work that had been delayed by the EU Commission. So my workload was back up to 5-days per week, certainly not part-time. That together with the stress created by one of the Working Group Convenors has resulted in my health deteriorating to the extent that on 6th September 2024 I had was admitted as a medical emergency to have a pacemaker fitted having got very close to a cardiac arrest. The said Convenor is even putting pressure on me to work when I should be resting and recovering. So, I am now considering whether this is really all worth the issues it has created or whether to go out and smell the roses and try to enjoy what I now have.

[@JasonEwing-x1q]

53 and retired a year ago moved abroad.I seen my best friend die at the age of 51 ,I was always thinking of early retirement and had been saving for a long time .I rent my small flat in Scotland and are living in Goa ,Vietnam,Cambodia moving with the sun living within my means and have a fantastic life not working.

[@richardmorton9251]

I have never commented on anything on youtube. But your video just crystalised HLE (which has been in my head for maybe 5 years, but I didnt know it had a name!). I am 61 and am now gonna make retirement a reality. Non negotiable. Thank you!!!!

[@Alabama_Kurt]

I served 4 years in the United States Marine Corps, worked 40 years in civilian life - the last 22 years in public health. I retired at 62, which was 4 years ago. I think I fulfilled my obligation as a productive member of society! I have 2 pensions and social security with no debt!

[@andrewfarrow4699]

Redundancy at 52. Spent many years chasing a decent new job. Then i realised that I rather liked being retired and living life while I still have my health. My father died before he got to 50.

[@roygoad2870]

Well I’am 72 next month, I’ve never been fitter. I play Badminton, Pickleball, Beach Paddle, swim regularly, gym once a week and run 3K twice a week. I have a friend who’s 81 and runs in 10k competitions and still rides a 1200cc motorbike. Keep active, very little alcohol, no soda drinks, no processed foods. 😊

[@safffff1000]

I don't like to work, I look so forward to retiring and on a USA railroad I could at 60. I love it, I never identified myself as my work. At 73 on a 80% carnivore diet and no processed food, I feel 25, no aches or pain.

[@markhenry192]

Lots of people swear by a mostly meat diet.

[@chggg567]

Amazing, I only eat meat and no vege due to yucky vege taste...now I realise it's the prestigious carnivore diet!!!

[@ashp4251]

I retired at 53 after working for 30 years as a blue collar worker/tradesman. We saved and invested and paid off the mortgage and live conservatively but still manage to travel within our means. I do not have a pension. I am now 67 and looking back, leaving then was one of the best decisions I ever made as some health issues are starting to surface. I would be bitter if I had waited until 67 to retire, feeling that I had given my entire life to a system that is heavily skewed against the average person.

[@paulabeattie8565]

I am 57 and retired. During my calculations for what we needed to retire I came upon an expression referring to the retirement years as "Go go phase, slow go phase and no go phase". Rather self explanatory but when it comes to money, it means you will spend more when you first enter retirement and travel or do whatever you would like to do, then slow down and finally you won't spend much at all because you won't be able to. Don't wait to retire, my Dad died in an accident at 46, my Mum at 62. Do it now.

[@alexblue6991]

My age 72yr old I worked long hours for 50yr years on low pay as a joiner on building sites because I worked for so long I get less of a government pension than someone who couldn't be bothered to get off their arse and get a job they get the rest made up on benefits last winter I was sitting at home holding a hot water freezing frightened to put the heating on the government tells us don't smoke or drink alcohol so when you get old you can sit at home and freeze too death Alec from Scotland

[@KiraLou06]

I hear you and feel for you

[@mastersweeps6958]

You should buy an electric 'Throw'. It's basically an electric blanket you wrap yourself in while sat in your comfy chair. It costs something like 2p per hour to run and something like £35 to buy. You will be toast warm and it will cost you peanuts to do so.

[@alexblue6991]

@@mastersweeps6958 funny enough I was just thinking about that. Thanks for the information

[@pistopitpit]

@@mastersweeps6958yea but what about the property one lives in. It will get covered in mould if not heated up regularly.

[@nelsonortiz2768]

The most important thing I learned is to stay busy stay active keep your mind and your body busy do a lot of walking old-timers, that includes me no excuses

[@WesValure]

Life is what you make it.. Make it a Good One... Amen

[@FOHguy]

We *may* retire in 2026. Money isn't the object, We're doing quite well in that respect. I love my work and look forward to doing it. (FOH Engineer). My wife is in the same industry but does something different. So we'll see when the time comes.

[@meanredspider]

HLE is also known as Healthspan. The most important measure that predicts healthspan is fitness - get fitter and lose some weight. I’m 60, love work, and have no ambition to retire too soon. Stay fit, earn money and retire when you want to

[@brettmiller3360]

I'm actually poor and I survive on charity. But you know what? I HAD to retire early, because work was driving me insane. I'm Gen X and I had over fifty jobs, some even in management, but they were all indescribably dull and unpleasant. Coworkers and bosses were uniformly insufferable, and everything was either a sham or an outright degradation. I became a nonmaterialist and gave it all up. Despite the poverty, I have no regrets. Choose life.