4 Things That Can DESTROY Your Retirement

[@NickRBellas]

Retirement becomes truly fulfilling when you possess two essential elements: ample financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement.

[@91ScottieP]

One crucial aspect of earning profits from stocks is to avoid being frightened and selling them prematurely. It is vital to understand that stocks should not be treated as mere lottery tickets. Consider acquiring the assistance of a financial advisor to navigate your investments.

[@mariaguerrero08]

I totally agree; I am 66 years old, recently retired, with approximately $863k in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, I didn't do all this alone, but with the help of a financial advisor. Having one is currently the best way to trade in the stock market, especially for people nearing retirement.

[@mikegarvey17]

@@mariaguerrero08 This is exactly how i wish to get my finances coordinated ahead or retirement. Can you recommend the financial advisor you used to get ahead?

[@mariaguerrero08]

CAMILLE ALICIA GARCIA maintains an online presence. Just make a simple search for her name online.

[@Madison-Huff]

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

[@georgestone0123]

I am retiring next yr at 55 with 3 houses paid off worth 4.5 million. One is my place of residence the other 2 properties will give me $80,000per/yr rent. I will have an income stream of $20,000 per yr through my super which gives me total $100,000 a yr to live comfortably. I have no debts ... Stay Motivated!!

[@tahirisaid2693]

That is so amazing, I’m trying to get onto the investing ladder at 40. I wish at 55 I will be testifying to similar success..

[@Xtramedium1961]

Congrats Rochelle ?

[@mray8519]

Well la de fucking da.

[@miragexl007]

We're all so proud of you.

[@clintonrice525]

I’m happy for you if this is what you want, but it’s tough to weigh the tradeoffs. Supposing the homes are $1.5m each, you wouldn’t expect to get rent on your primary residence but do on the other two, so that’s $80000 on $3m, which is a 2.7% dividend; they probably increase in value some each year, which is good for an investment that pays a dividend. On the other hand, a $1.5m home is sure to require some significant insurance payments, and having someone maintain the home for renter turnover isn’t free, and you don’t spell out whether the $80000 is gross or net. It ultimately isn’t any of my business beyond the fact that you brought it up, but those are the sorts of questions I’d want to evaluate before concluding that vacation home ownership is the best use of my capital.

[@billyjohnson9166]

Second homes don’t make sense for a multitude of reasons. I’ve been through that. Now when I go on vacation I pay and then walk away no headaches.

[@theonewhoknows9615]

I was debating on buying a 2nd home. I’m glad I didn’t. Maintaining a 2nd home, while for the most part, I wouldn’t be there, would have drove me crazy

[@chuckhaffner7514]

Agreed!!!

[@jessicamamikina7648]

Retirement is wonderful if you have two essentials - much to live on and much to live for. Invest wisely and get good returns.

[@yuikiyoshi1248]

thank you, can you give a pointer the best investment now ? i am thinking of getting stocks or cryto

[@jessicamamikina7648]

The key to making money in stocks is not to get scared out of them. An important key to investing is to remember that stocks are not lottery tickets. get a financial assistant

[@jessicamamikina7648]

I currently work with KATRINA VANRENSUM a financial expert i met in a seminar

[@jamesmaduabuchi6100]

I recently watched KATRINA VANRENSUM on TV , such a great speaker . but have you made any profit whatsoever working with her ?

[@jessicamamikina7648]

I have been able to make maximum profits off my trade with $40,000 and I have amassed about $190,000 in net profit In 4 weeks

[@tonyn9522]

It’s NOT how much you make but how much you keep!!

[@frostfox1208]

Exactly what my dad would say. As a kid I didn’t understand why he was so frugal. Now I understand:) When my dad was a kid growing up in the depression, he said to himself that if he ever had money he would some day go into a bakery and buy anything he wanted. Believe me he did!

[@KirkMcNitt]

Your health is your wealth! Your videos give me reassurance as I retire in 3 weeks after 43 years with the same company!

[@theonewhoknows9615]

Way to go!!!😀

[@kloatlanta]

How’s your retirement going?

[@clintonrice525]

I like that you emphasize the real life issues of being retired: physical heath, emotional boundaries (allowing / forcing [case by case choice of word there] adult kids to be adults), mental health in being confident in one’s own life instead of constantly comparing to others’. For that matter, I’ve looked around even in work life at the vast number of people driving very expensive vehicles and I console myself by thinking many of them probably are not saving anything for the future; I don’t know that to be true, but the belief keeps me grounded. As for the vacation home question, I agree with your take. I don’t like doing maintenance that much, and while I can agree that some vacation homes probably get good tourist traffic and equity through market appreciation, a lot don’t too (or are extremely seasonal) and investing an entire home in that environment represents a really concentrated risk. I am more comfortable investing in the broader market and using a small bit of profit from that to rent a space wherever I choose to travel.

[@Heather.C.ButterflySage]

Yoga, walking, and lifting weights are all so good. I’ve heard that walking is the exercise most associated with longevity. Just found your videos recently and love your take. Health is indeed our greatest wealth. Thanks for your insight, wisd, and encouragement. Keep having fun.

[@carolbradley4845]

Extremely relevant for today’s boomers! I’m recently retired. My career was bookkeeping and tax services. I saw so many examples of older people giving away too much money and completely blowing through their retirement, leaving them full of stress in their final years. One gentleman was fleeced by a younger woman and her mother, another couple trying to help a wayward grandson and even a neighbor who ingratiated herself to the wife and ended up being the POD on a sizable CD (over $100,000). What makes the last example more heartbreaking is the husband wasn’t in great health and had mobility issues. I’m grateful to have learned from all of this and I’m grateful you are doing theses videos!

[@jdenino6022]

@Zoe Smulders look in the yellow pages😂

[@dwoodygura]

Our financial advisor says the key to having good retirement savings...one marriage, one house.

[@h8rry]

I agree fully on your comments. I came here from Hong Kong in 1965 when I was 11. I have to work to help my parents after school to earned from paper route. I worked 44 years straight from element school to college. At 22 I work full time job public service job for 33 years. Freedom 55 retired. Now almost 70 great health, one house with spouse. Lots of travelling first 5 years of retirement. Lots of exercises like cycling, swimming, & my favorite table tennis just like Warren Buffett like to play. I feel like a teenager right now.

[@didafm]

Your lucky. Sounds like you had a good paying job tho

[@FIRED13]

​​@@didafm by 'public service' job, I take it he means govt type job. After 33 years, that's a nice pension, plus likely saved his ass away for all those years. Working a paper route in his youth, these types of people simple put their heads down and work and save, work and save. Rinse and repeat. Rarely splurge on expensive junk. They deserve every minute of their well earned retirement

[@oceansunsetak]

Otis redding song sums up my retirement from piloting boats. Sittin' in the mornin' sun I'll be sittin' when the evenin' come Watching the ships roll in And I watch 'em roll away again, yeah I'm sittin' in my house on the bay Watching the tide roll away

[@Bryan-wc3et]

I’m 66 retired 2 years and love it. I’ve worked out for last 35 years with weights and doing lots of cardio. I’m actually in the best shape of my life. I go to the gym 4 days a week for 3 hours a day now and start each morning in a kick your butt cycling class then upstairs to lift then and a little more cardio. I have a financial advisor and wouldn’t do without him. Just found you, great video and keep them coming!! Knowledge is power.

[@frostfox1208]

Is this a scam? Sure feels like it.

[@johnboy6594]

Your living my dream. When i retire in a few years thats what i want

[@davemarques9601]

I sure hope to be that way when I retire in a few years!

[@dnorris4733]

Good health is so important. I'm 67 and I am seeing friends declining in health and mobility. Its been a wake up call for me.

[@overtheGarage-ue8lh]

I used to run with a group that would follow the Atlanta Journal food critic reviews and eat out at places they gave good reviews to. That was expensive, this was every week. And then there were the dinner parties, drinks after work downtown. The neighbors would glass in their porch or suggest a new vacation spot. I had to give up the Jones during in 2008 during the mortgage crisis. Our investment properties went upside down and rents fell below the mortgage payments. Things got tough for ten years after that and our so called friends disappeared leaving behind only the wones I had already had around since I was 19. In the long run it was a good thing. I saved a lot of money after we recovered without the Joneses. Now I'm old enough not to care and no one needs plastic friends.

[@oahuguy3918]

I'm like you... 30 minutes of exercise... the only difference is that I do it everyday. Heck, think about it... only 30 minutes... that's my job now. And I love it.

[@martinpourkesali9267]

Great Video. The best part is oversupporting our kids. You mentioned that there are loans that they can get, but the the most important thing that they have and we do not in this age group is the TIME. they have the time to pay back, but we close to our retirement have no spare time to lend.

[@theonewhoknows9615]

A lot of people better drill that into their heads because if you’re not financially stable, it could financially destabilize your kids

[@martinpourkesali9267]

@@theonewhoknows9615 Very True

[@Jfhelwig]

Working out is a lot less important than eating right. No processed food, cut sugar and seed oils. Fast a couple times a month for 24 hours. And walk. Just walk. Yoga is good too

[@sigurdpanke2612]

Jfhelwig, I agree 100% with everything you said except that the importance for middle aged, seniors and elderly adding in some muscle building work has got so much science and research behind it that I believe that we should be including it in healthy lifestyles.

[@M_Rasmussen58]

Thank you so much! I am 65, have been retired for three years, and am doing fine. I began watching your videos about a year before retiring, when I had no idea whether I could retire, and was experiencing a lot of uncertainty. You have helped me navigate (basically like holding my hand) through the process of becoming retired, and learning how to enter retirement. I continue to enjoy your videos. I use them to gauge how well I am doing at being retired. At your suggestion, my spouse and I hired a fee only financial manager, who after meeting with us told us that based on the monthly income we wanted during retirement there was no reason to be working. What a pleasant surprise that was! Having someone actively managing our portfolio during the recent economic issues has been very reassuring. Thank you again for the advice you provide!

[@MikeKoPhotography]

Health so true. I’m 5 years away from retirement and just had a stroke. Much self reflection an I’m kicking myself because, over the yearsdooctors have told me to control my cholesterol. I didn’t and stroke knocks me down. Jeopardizing my family’s future. 2 tuitions to pay for, and jeopardizing the retirement promises I made to my wife

[@genxx2724]

What comes out of the kitchen is the foundation of the family’s health.

[@vallanddess]

You have no obligation to pay for tuitions, particularly with your health situation. And it’s in sickness and health, if that still means anything. Best of luck.

[@genxx2724]

@@vallanddess I agree about tuition. Circumstances have changed. As for the wife, I assume she was the one choosing what food came into the house and preparing the meals. If he’s the breadwinner and she stays home, her job was to keep him in good health. Of course she doesn’t control any forays he might have made to the drive-thrus. My mom has immeasurably increased her husband’s health and life because she cooks delicious and healthful meals, and there’s no processed food or junk in the house.

[@MikeKoPhotography]

@@vallanddess maybe…but it’s a promise we made to our kids. As long as I’m able to work, tuitions won’t be an issue

[@kathleens8339]

Mike, I had to put myself thru college, as did my younger brother, because my father became seriously ill when we were in high school. All the monies that my folks had saved for college had to be used for my parents’ needs. We both made it thru college and did well scholastically and professionally. Yes, it was a hardship, but we managed. Please don’t feel like you have to sacrifice your health and you and your wife’s retirement to put your kids thru college. Your kids want you to be there as Grandpa in the future. They need YOU !!! Best to you and your family.

[@malcolmbriggs4281]

I'm 72 and retired my advice is have no debt when you retire.I have two pensions and you need to live within your means.

[@jilldaplyn669]

From the Uk .. love these videos ..thank you !! .. 👏👏👏..live simply , don’t spend beyond your means .. but mostly enjoy every single day , who knows what tomorrow brings .. good luck everyone & happy retirement .. 🇬🇧🇬🇧

[@roburb73]

Over support for adults!! That's a touchy area for me. My sister is 48 and to this day everyone still supoorts her. She doesn't have a penny, but doesn't do what she needs to better herself! My wife and I are in a better position than most. I have a 27 year military pension/VA disability and my wife (when she retires) will have a federal pension. Add those three incomes with SS (whatever cash that is) and before we touch our investment portfolio we have 5 income sources. We feel blessed!

[@terrystrahl6006]

Let me say this about you feelings and thinking, I worked straight through for 55 years lost a few jobs from some of the places that I worked for and never was without a job for more then 3 weeks. I am now 77 and want to enjoy my life with things that I enjoy, hobbies etc. I have always had nice cars BECAUSE I have always enjoyed having nice cars and so did my father. I have these nice cars because I like them and DON'T care what somebody thinks, don't have them to "Impress" anyone only myself )))) I am a member of the Antique Auto Club Of America, and the Hershey Region AACA. People that have something unkind to say about those nice cars that people have is nothing less then Jealousy, if I could NOT afford to have them I would not. Bottom Line - People should be happy for these people and NOT be Jealous of what other people have and they don't have........ (They need to Get A Life) !! 🤔

[@robertbigott9742]

I offer that, IF possible, wait till 70 before applying for social security. I waited, got the extra 8% per year, ($3521/mo)and then waiting until 75 to retire. I admit, I am lucky to have reasonably good health and wish you the same. Waiting to draw on SS and working gave me (and my wife) the money to pay off all bills, and renovate/remodel our house in anticipation of our pleasent retirement. FYI - We get about $5500 per month total plus a small 401K. With property tax of < $2000/yr

[@TroyHopkins-o7k]

I enjoy listening to you because you clearly love taking about retirement. You brought up useful topics that really hit home - health, over supporting adult children, comparing to others who have more, etc.

[@livingoncoffee]

I 'm not rich, but I love to listen to your videos. So practical.

[@stevenobrien595]

Azul your content is priceless. A future book by you would be so successful I'm sure. Thank you for all you do!

[@lilibethvilella]

I shared 3 of your videos today. I love your nature talks the most with us. You leave us better. ❄️

[@ptwnbratche]

Helpful content as always. Thank you. I’m 55 and planning to work another 10 years full time and then cut back to part time. Listening to these videos is very helpful for me to put things into perspective for sure.

[@dpl9711]

Love watching the real and logical advice. Keep it coming

[@ingriddean5333]

I like what you said about not overspending on your grown kids, and also appreciated your remark that "the best gift parents can give to their kids is to be financially stable themselves". I do not actually have children, but have elderly parents that are like adult children. They never saved money and live paycheck to paycheck on their Social Security monies (which is a program never designed to be a retirement---but my parents rely on it) and they're very nice people in their 80's. I'm enjoying them very much while they're still here---but it's hard. I suggest to newly retired folks to be very careful with both your adult children and/or elderly parents. Unfortunately, they can be one in the same. Thank very much for your videos, Azul! Very helpful and informative.

[@dbanka471]

I am enjoying your videos more than you will ever know- i am having a terrible time thinking through the idea of retirement . I am nearly 65 soon to be on Medicare but my wife is 8 years younger and I have one child still in grad school who needs support for living and health insurance- your videos are helping me sort out the process-thank you

[@tdgdbs1]

Multiple houses, no spouse. Why enter into a contract that you will always loose?

[@quaithom3138]

lose

[@veritas3179]

Don't! 😅

[@kwaichangcaine8234]

Two houses no spouse, I lost my most valuable house to my ex wife ....... never again.

[@golferpro1241]

Marry the right one. It’s a blast

[@kwaichangcaine8234]

@@golferpro1241 I thought I did.

[@BradCampbellmn]

Fountain of Youth: Exercise and Healthy Diet!!

[@khagindratri6781]

Sound Advise. Survival thru better planning and controlling unnecessary expenses. Bravo.

[@rachelledalomb5]

You're excellent! Thank God for the advice that you give!

[@DouglasWhisman]

I discovered your videos yesterday. I don't know who you are, but I love your content. I love the walking and talking format. Keep up the excellent work.

[@EddieJohnson-bs3np]

I really enjoy your videos! I am 57 and trying to put my plan in place to retire at 60.

[@shirleys765]

I am 63 and retired at 61. I'm single and have no debt. Had a good 401K through my employer and now it's in an IRA. I've never lived above my means and it's paying off....loving retirement.

[@inakvadrat]

Keep doing these videos. You are authentic and you advice is a good reminder to us all

[@Kimmer]

Hi Azul. Could you do a video sometime to explain what a fee only advisor is and how they are compensated? There is much confusion about this topic and this would help us all better understand what to expect. Thanks!

[@tracymcreations]

I think it depends 9n your lifestyle about having a second home. My husband and I don't travel, eat out rarely, don't go to movies, etc. Cars and permanent residence paid off. If we didn't have our cabin, we wouldn't go anywhere.

[@cookcecilia7686]

Love the sun of Arizona in the winter and beach house in Oregon in the summer/fall. Travel is daily hiking and sight seeing these beautiful states along with neighboring states.

[@albacus2400BC]

Lately I've been contemplating retirement, uncertain whether my 401(k) and IRA will ensure a secure future. I've also invested $600K in the stock market, experiencing fluctuations without substantial gains.

[@ericmendels]

Using a 401(k) or IRA is a valuable strategy for retirement planning, providing potential savings growth and tax advantages. While the stock market is promising, expert guidance is essential for effective portfolio management.

[@cloudyblaze7916]

Opting for an investment adviser is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 45% since Q2.

[@legacymedia8468]

That's impressive! I could really use the expertise of your advisor. Could you recommend who you work with, please?

[@cloudyblaze7916]

I started out with an FA named *Sharon Louise Count.* Her honest approach gives me complete ownership and control over my position, and her rates are incredibly affordable given my ROI. You could check her out.

[@victorlaranjahal]

Thank you for this. I'm gonna check her out and try to reach her. I hope she gets back to me before my portfolio completely disappears.

[@shopkedai]

Azul, well said, the best gift for our children is be a healthy parents and children don’t build retirement plan for parents, period!

[@MILGEO]

I'm glad that I never had that "Keep up with the Jones" mentality.I've only bought a few new vehicles over my lifetime mostly for the reliability and the road rot we get in the NE due to chemicals they use now instead of sand. I could do better on the diet and exercise though. I did start using the tread mill a few weeks ago, I've heard that 2-3 MPH is the sweet spot if your not trying to make it a cardio workout.

[@southbound1969]

They used to spread cinders on the road when I was a kid in the Midwest

[@mtebor]

I am semi retired (not sure what to call it as I have 6 month plus of vacation) decided to do this after a semi healthy friend died within 36 hours of taking a certain shot He was semi retired as only worked 20 hours a week.

[@carolb3869]

In order for women to ‘bulk up’ from lifting wts, they would have to be engaged in an extremely regimented focused disciplined weight lifting workout program. Lifting wts is so beneficial to anyone’s health maintenance & strength. Point: Don’t worry about ‘bulking up’ - it takes a lot of work to do so. A ‘healthy focus’ is key 👏

[@tomroyse1540]

Carol,been going to the YMCA on the Silver Sneakers program, free with my SS Advantage Plan. Have been working with weights for four years and although not bulking up ,my muscles have great definition.Never had muscles before and I love it! Also thanks to my husband’s planning we are both enjoying our retirement.

[@carolb3869]

@@tomroyse1540 Awesome!!!

[@bill_astro_music]

This is quite possibly one of the most valuable videos on retirement I have watched - thank you.

[@mray8519]

Great advice. We were in the emergency room a few weeks ago with a friend. IT LOOKED LIKE A HOG FARM. Not working your body hard if THE BIGGEST MISTAKE most people make.

[@asianfilmfan1]

Thanks for this information. If you enjoy sports cars nothing handles like a Porsche. Drove muscle cars for years and worked 2 jobs finally at 59 bought a used Porsche ❤. Always enjoy your retirement info.

[@trail70brent]

This is the best retirement advice that I have heard since I’ve retired. But I can relate to the guy that just bought two Porsches and you need to take into consideration the thought pattern of a lot of single retirees that they’ve lived their whole entire life scrimping and saving and never were able to enjoy the fruits of their labor, when you see all your friends dying in their 60s and 70s you start to think maybe this is the time in my life that I should have some thing that I’ve always wanted and maybe not leave my hard earn money to my ungrateful grand children. Just saying😅

[@troywideman2165]

I really like your no nonsense advice. Great job.

[@alanmurphy8137]

Fantastic advice, great guy and so down to earth.

[@PeterMurray-m3r]

Thank you, Azul. It is so helpful to hear advice that extends beyond the financial, with the perspective of how best to get the most out of our entire lifetime.

[@pamcornelius9122]

Using a rebounder daily is a great exercise for older people. Very beneficial for your lymphatic system.

[@mikebland4935]

So right. Without good health, nothing else matters. Marriage is work. Just incase someone out there missed that part. Always give things 30 days. I'm 72 and still working because I love people. Not for the money. Wealth for me is measured in the people that see my smile or my encouraging word as a life changing event. That's what makes me go. Love the information. 30 minutes of walking 3 times a week or more can destroy high cholesterol.

[@theonewhoknows9615]

I’m going to take your advice on walking 30 minutes or more 3 times a week. Also change up my diet a little bit (concerned about potentially high cholesterol) Thanks so much😀

[@mikebland4935]

@@theonewhoknows9615 it take consistancy and time. Just don't stop. My best to you.

[@duanemcguffey9483]

I really enjoy and agree with your advice since I am approximately within your age group, However, I see a change in economics between us and younger generations. (E.g. My adult kids are struggling and will never have the opportunities I had.) I'd like to see a video on your take on this.

[@brucehelppie6119]

all good points. the 4 points could be synthesized down to 2. take care of your health and don't squander your money. buddhist monks practiced yoga and were about as minimalist as it gets. cultivating the type of mindset where you're happy wherever you are, with whatever you have, is probably a useful mental outlook in your later years, particularly if you're retiring on a limited budget.

[@iamgutch93]

Love your videos! I'm only 45 but been studying retirement and finances lately... Thanks for all your insight.. It's great!

[@davegenet]

These videos are very helpful and I have shared them with a few friends. With health you have all the options open no matter what. I am still working but thinking of retirement and I have been doing weight training, yoga and movement (bikes or treadmill but lately more pickleball). The other thing I have focused on is being happy with less stuff. I had a second car and a couple years ago decided I really only needed one and having two that sit in my garage 98% of the time made no sense so I sold one during the price run up on used cars during the pandemic. The truth is most of us live better than the kings of ancient times at least here in the U.S. even if we live modestly. “More” just doesn’t always or even often translate to happiness.

[@johannesswillery7855]

I have left comments that were nearly identical to yours. Glad you have found peace!

[@davegenet]

@@johannesswillery7855 Oh I still worry about having enough resources long term even though I’m doing better than “median” or “average.” Mainly controlling impulses to get stuff I don’t need or won’t actually make me happier.

[@johannesswillery7855]

@@davegenet You are on the right track!

[@davegenet]

@@johannesswillery7855 I think it’s just a process and a day by day thing. I am 59 and previously in life I have violated most of the rules Azul lays out. C’est la vie. I’d have been richer if I hadn’t. I have worked to educate my children to them.

[@robertross8565]

"COMPARISON IS THE THIEF OF JOY"

[@rbaffrey]

I appreciate your advice. It’s super helpful!

[@robertross8565]

I agree with you regarding getting a Financial Plan from a FEE-ONLY advisor. The cost of the plan pales in comparison to the benefits.

[@RetrieverTrainingAlone]

Excellent! Early retirement is the ultimate age where health, finances, time are all in good shape. There is no time excuse not to take daily walks or exercise. One house rule...we own our home in Alaska, but rent as winter snowbirds down south...only $20k for 8 months rent and then back to our home in Alaska for the ultimate summer. We live retired comfortably on $75 per year. (No debts, fun activities of canoing, hiking, biking, gardening, etc. not expensive.)

[@hobo1452]

Our second house has wheels and a motor. We use it to go someplace else to goof off for awhile 😄

[@stevegorkowski3246]

The best thing that prepared me money wise so I didn't over spend was living on my projected retirement income 2 years before I retired. The only thing that caught me off guard was the cost of projects due to how many projects I can do in a week. This is a good thing because projects save me money. Having hobbies like a garden, home repair or bicycling/Ebiking can save you money in so many ways. You can help us viewers by getting your identity verified and then you get a check mark by your name . This helps your viewers see scams at a glance.

[@sct4040]

I think I was living on my projected retirement income even before it was a thing. I simply lived below my means, and paid myself first all those years. I actually spent less than what I take home in retirement at 63. Sorry I didn’t retire sooner.

[@stevegorkowski3246]

​@@sct4040 I now live cheaper than I projected. Enjoy your retirement!

[@diannacashion2047]

Good advice…..When you advised about over supporting on Adult Children……Can you share advice on future long term care for Disabled Adult Children? How to deal with SS and a trust for Disabled Adult Children…… We are the forgotten Seniors who have very little options……Watch all of your investments get burned through for the most little basic housing and care for your Disabled Adult Children while you are alive….. My retirement is based on my Disabled Son’s needs…..Not mine.

[@4metoknow]

Ty God is good... all the time

[@carlhausler9666]

Azul, awesome, sage advice as always. I retired at 60, didn't manage my health as well as I should and promptly threw a Pulmonary Embolism blood clot that desperately tried to kill me. A huge wake up call for me. Better management of my food intake, working out several times a week and the knowledge that the end is out there all help me to manage the things I can. SO TRUE about the benefits of yoga and stretching. It doesnt take much at all. All the best

[@davidpoirier3125]

Good points and so very true, you can have the world by it’s tail but if you don’t keep your health it won’t do you any good. Like the saying goes , you can have a nice juicy cheque in your pocket when they bury you but nobody has succeeded in cashing one like that yet.

[@southbound1969]

I believe a classic band once sang "and all your money won't another minute buy". Yes, you don't want to be the richest guy in the cemetery.

[@csandstraveler]

Love your insights on the videos, which either confirm my thinking or provide new approaches. I’m a big fan ❤

[@jima7925]

Great content, great format, wonderful scenery, good job!

[@ChadK-iz4vc]

I’d love to hear your thoughts on annuities? Positives and negatives.

[@georgiannmaloney6594]

I have been helping out my daughter, by paying for items in her new house, suc as appliances, repairs, and materials to repair the house. Also go out and actually help her. Gonna reduce the money outlay now, as tge house is in better shape.

[@BlueGorilla111]

Wealth doesn’t make you happy, if you don’t understand that you will be so concentrated on money you will forget being happy and enjoying the simple most important things in life family,relationships, happy in a your chosen job and having fun.

[@Morningdovecamp]

Thanks for reminder about health 👍😉🌞

[@mariasmith4u]

I'm in the UK, and although some stuff is different for us here, the principles of your videos are the same. I think we all worry about the same things. I'm retiring at the end of the year, and know I need to work more on getting in shape and eating healthier.

[@athenachloewoodrow6356]

I really appreciate your perspective and experience, thanks so much

[@robing9278]

Very sound advice, thanks!

[@philmarsh7723]

Workouts are part of my job. Your job also requires that you maintain the equipment and the most important equipment is your health. Abuse of motor vehicles is your enemy. Avoid motor vehicle use whenever possible and use bicycles and/or walking/running for transportation whenever possible.

[@cameddy4081]

I’ve heard it said about retirement that ( for most ) you have the “go - go “ years , the “go-slow” years , and the “no go years “ - redefine “success “ - eg “revalue “ certain things - especially health and time eg be content with less , be intelligently frugal - Azul your open wisdom sharing and real outdoor health will continue to impress me way more than your spiffy name brand watch ( see - it’s made by the very the famous so and so ) , or your fancy name brand car , boat etc . If you think real estate on land is pricey check out yacht prices - there several in the 3-4 Billion dollar range - for a boat - so who are you keeping up with or trying to keep up with in retirement ? As Mr Einstein said “ the difference between genius and stupidity is that genius has its limits “

[@TomokoAbe_]

Cancer...I pay $650 a month for my health insurance. I live in Florida. Category 5 hurricanes are normal. The high cost of homeowner's insurance and car insurance--astronomical in Florida. Life really sucks.

[@BrentErnsbarger]

Azul, I am hooked on your videos. Thank you so much for your advice! I wish I could meet you in person for a low budget meal lol. Much appreciated from south west Missouri. Thank you!

[@martinwhite8688]

I really appreciate your sage advice!

[@taragorm8097]

Health One house, one spouse Over supporting adult children Keeping up with the Jones

[@tonylou1234]

Great advice and well presented. Thanks for taking the time. Much appreciated.

[@johnd4348]

Plan on retiring soon, I dont plan to do anything, buy anything , or take any trips for the first few years of retirement. I want to see how it goes. and take it slow.

[@YfTong-uo1mf]

Can u share your Yoga for seniors.. Thanks,

[@terrydaigle8356]

Every rich person i know told me to buy what you need and rent your fun you will always save money

[@southbound1969]

Does that include female companionship?

[@1brokenbychrist]

Great info on all points!!!! Thank you!!

[@ahmadazhariawang3051]

Tqvm for yr tips n facts Azul. 👍

[@jerrystewart7080]

Definitely only one spouse but the one house....We have already traveled the world so more travel is lower on our priority list. We are looking to build our primary house in another country and then keep a small starter home here in the U.S. for when we are here visiting family.

[@jefgosselin852]

LOL I was raised by a drill sergeant, I like how you put things I have raised a son had a Wife made more money then most I'm 52 I have made my money NEVER working aged unless I chose to!!! To be open as we all need a partner to complete me not to be me !!

[@bluewaveshows4u]

Thx Azul! Excellent insights!✌️😊

[@JasonSmith-vd1sz]

Great video, thanks for your counsel.

[@micahwest5347]

Yoga maybe great but walking is the real miracle exercise. 20 min minimum 45 min target.

[@lindylee1139]

I’ve made 2 of these mistakes: divorce and giving too much to my children- but I’d still do both again.

[@anotherfoolishmortal5437]

I don’t regret my divorce at all. It was the best thing I’ve ever done for myself. If I have to work a few more years, so be it. Happiness is worth it.

[@peterottes6900]

Thanks for your videos. I find them informative and give me things to think about. I retire this coming Tues. and even though I feel like we (my wife and I) are in a good position I'm still a little unnerved to not have that guaranteed paycheck go into the bank every week. I know there are other means that will be coming but I've been working since I was 15 and at 66.5 it's going to take some time to get used to.

[@sherryryczek4811]

Good sound advice. I enjoy your videos.

[@Michelle-bw1xg]

Significant stress has caused decline in health, not yet retired; will work on that. It has been tough living a long time in Silicon Valley on one very modest income. I only stay for future pension & health care but not being able to afford a home when they were much cheaper has impacted my financial life despite being quite frugal.

[@JosephKerr-xc1ql]

Love your videos! Thanks