5 Reasons to Retire As Soon As You Can

[@Raniyanhunter]

I just turned 48 and awfully late to investing with barely any portfolio except my 401k, I have a decent amount of cash saved up and with inflation currently soaring AGAIN, I’m getting worried about retirement, my intention is to retire at 55. How best do I maximize my savings of over $140k

[@garnold-l5p]

I think the safest strategy is to diversify investments. But if you need proper advice, consider speaking with a financial expertise. Don't get me wrong, you can do it on your own, but financial advisors have a lot more knowledge and expertise in this area.

[@Mlanderos-t9e]

Agreed, I've always delegated my excesses to an advisor, since suffering major portfolio loss early 2020, amid covid outbreak. I'm now semi-retired and only work 7.5 hours a week, with barely 25% short of my $1m retirement goal after subsequent investments to date.

[@Anessa-gibson]

Thanks for sharing your experience! I’ve been managing my portfolio myself, but it’s not working out. Do you have any recommendations for a good investment advisor? I could really use some help.

[@Mlanderos-t9e]

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

[@Anessa-gibson]

Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!

[@FelipesRyans]

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

[@BirgitLanzafame]

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

[@DnerScharfenstein]

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

[@FelipesRyans]

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

[@DnerScharfenstein]

@@FelipesRyans Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with MARGARET MOLLI ALVEY for the last five years or so, and her returns have been pretty amazing.

[@FelipesRyans]

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

[@ChengHao03]

Retirement isn’t an end goal, but a journey best secured by careful and consistent investments.

[@BaozhaiDongmei]

Retirement is the reward of disciplined investing over the long term, not just a destination.

[@JunlaiAiguo3c]

My adviser guided me through retirement planning, ensuring my investments were strategically positioned for long-term rewards.

[@Friedrich-j3i]

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

[@JunlaiAiguo3c]

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

[@Friedrich-j3i]

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

[@BigBrownCar]

I retired last year at 48 years old after a 27 year career as a police officer in NY State. I could have hung on to get that coveted 55/30 pension, but enough was enough. I've given my all, and now it's time to give a little to myself. I'm perfectly content with a decent pension while doing various side jobs part-time, sleep in if I want, grow my hair out... We're only here once, and I'd like to be around as long as I can to enjoy my family and friends. This video is further confirmation that I did the right thing. Thank you, Sir.

[@ShahidAli-yv4qy]

I did the same and very happy with my decision

[@FlorentGulliver]

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.

[@LiamOlivia-4]

@imohimoh3441 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!

[@EleanorMabel]

@@LiamOlivia-4 Mind if I ask you to recommend this particular coach you using their service?

[@LiamOlivia-4]

@@EleanorMabel VICTORIA CARMEN SANTAELLA Constable 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..

[@YinusaSaheed]

@@LiamOlivia-4 She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.

[@senhorbaker]

@@EleanorMabelscam

[@ootenyafoo6935]

I retired at 55 (9 years ago) and took my social security at 62. Best decisions I ever made. Work sucks - retirement is FREEDOM!! Still have life's "special surprises" to deal with, but not having to put up with the BS of the workplace is wonderful.

[@timhedges4125]

I couldn’t agree more with you on your comment

[@beyondonethousand]

@@timhedges4125 I couldn’t agree more with you in your agreement with him.

[@sonjawright7901]

What did you do for health insurance and income?

[@lawrence5039]

I totally disagree that work sucks. It's your attitude that makes work suck for you, not the work.

[@tpc3416]

​@@sonjawright7901probably worked for the government or public sector

[@jimmy1154]

Since I retired in 2016, my health improved with much better diet, much more sleep, much more quality exercise. Also, once I retired, I began going to doctors and taking care of issues. When you are retired, you can manage your money better as well, instead of always focused on your job. This guy is one thousand percent spot-on.

[@AzulWells]

Thanks for sharing your experiences JQ! Glad retirement is working out so well for you. Stay healthy and happy ... 😎 Azul

[@loadapish]

Ive never had that focus for work. Never able to earn a decent wage, always been exploited. Got multiple injuries and no money but i do have a roof over my head which isnt mine

[@anguslaing6611]

@@RetireandGo Haha we must watch the same stuff... Everywhere i go, you seem to be in the comments ie Philippines vloggers etc. Best wishes

[@RG-hf4et]

My dad retired at 62, not bc he wanted to, but the sources of his referrals died off for his small business. My mom continued to work & dad took care of the house & did odd jobs for his adult 3 children & kept himself busy mowing their lawns, fixing the lawnmowers, etc. Then my mom had about 8 years of cancer & he took care of her until she passed. Today, he is 91 years old with early to moderate Parkinsons & although his age is showing/getting frail- his mind is sharp, he can't do a lot of the fine tuning things he used to be able to like holding a small screw in place, he gets tired/naps. In many ways, he is in better shape than other 91 year old seniors. He is mobile, watches his money, stays politically informed, etc.I look after him carefully & keep up with MD appointments. His forced early retirement is probably why he is still here today & doing well despite the Parkinsons. You never know how things are going to turn out.

[@susanmerenda5666]

You are so right. I’m retiring soon but I had no time to manage money, or to manage the household - always focused on work instead. I had no time to plan retirement! So now I’ve made appointments, met with Medicare specialists and financial retirement expert for guidance. It moves you forward. Knowledge moves us forward more comfortably.

[@markk5944]

I just turned 60 and reached 90% of my goal😂. Enough is enough. Turning in my retirement papers today

[@genxx2724]

The 90% will keep compounding. You will achieve 100% passively.

[@danielkendall7131]

You won’t regret it.

[@zacharymarcum5628]

Congratulations……your wont miss out on that other 10 percent. You have put the work in so go do some things you want to do on your terms and on your time.

[@pauls2693]

congrats....I am almost their....I have a date I won't move anymore

[@caperboy1169]

Make sure everything is in order

[@dougschrader1770]

Been retired 2 years (59 now), everything in my life has improved substantially; living simple and living healthy and being content and thankful are all key

[@johnnydodgecountry9508]

That's where I wanna be. Congrats !

[@timmyg000420]

How much did you retire with?

[@jayaudette2063]

Did you hit a multi million dollar lottery? If not, you won't be content for long......

[@paulh7798]

@@jayaudette2063Financial security comes from spending less than your income, not from an arbitrary number in your retirement account.

[@carlrodrigues6919]

​@@jayaudette2063ok Debbie downer bet he out lives you😮

[@leoedwards3826]

I retired a year ago and began to wonder if I had done the right thing. That night I dreamed I was back at work with a surprised project assigned to me and I couldn’t go home until it was done. It seemed so real. When I finally woke up, it took me awhile to realize it was only a dream. But it damn sure made me realize I had made the right decision!!!

[@stumac869]

I've had similar nightmares which seemed so real. Even when I woke up it took a few minutes to work out it wasn't real. Agree with your final comment.

[@xmaniac99]

Those aren’t dreams but accute nightmares about toxic wage slavery.

[@Lulusvideos1]

I’m retiring next year at 62 and I’ve been planning for it for a while now. My original plan was 67, but after being in the corporate world full time since I was 20, I’M READY!! In my current job I work 100% remote, I work in medical billing but I have never been so micromanaged in my life, literally every minute of my day is accounted for, I’m literally tied to my desk. I thank this job for helping me make the decision. I have similar dreams, mainly about past jobs, that I’m extremely stressed over a desk load of work, that I can never catch up on.

[@jedza6303]

You retired at what age?

[@AlexFlavell]

1. Health 2. Time 3. Relationships (Family & Friends) 4. Pursuit of Hobbies 5. Retire when you're 'close enough'

[@MattRafferty1]

Thank you Alex, by writing out this list you saved me 10 minutes! (The background noise in this video is really distracting.)

[@slapshot-nl9sx]

I don't work I never could work always had violence in the workplace. Government subsidies for me it's all good😅 If you're against it then you're a right-wing fascist😮

[@bills1995vette]

Sadly some people don’t have friends or family. Probably from working so hard their whole life.

[@raybrookevisnorris346]

@@bills1995vette but retiring you can make friendships, hobbies, travel meet people.

[@RG-hf4et]

@bills1995vette I know a widowed woman for the past 20 years. She is 70 years old. Her parents & only sibling all died early. Her husband died early. No kids. She has no remaining family. She came from a small family. She might have a second cousin on the West coast. She didn't "overwork". Some people just get a sh*tty deal in life. Her emergency contact is her next door neighbor. I assume she has a few friends. I asked her what she was doing on Thanksgiving a few years ago & her answer was so sad. "I am volunteering at the animal shelter (she is a very long term volunteer there) so other people can be with their families. All of mine are gone & I have no family left". How sad is THAT? Don't assume people worked themselves to death & are alone.

[@paulmadkow9143]

I retired on my 55th birthday back in 2017. I downsized my lifestyle. I am by myself. My son is grown and self sufficient. I full time rv. I'm healthy. I didn't realize how stressful my job was until I left. I get to travel and volunteer at rv campgrounds for free camping fees. I don't regret it one day. Not one.

[@TheRock-xj7hs]

Thanks for that

[@mindcache5650]

Good man

[@junglette]

Wow. That is awesome.

[@thevagabondonwheels4918]

That's my dream also and I get to retire at 57. Alas, my wife hates RVing and my daughter will only be 11 on the day I retire. At best I might be granted leave to go out for a month or two at a time occasionally. Is full-timing everything you hoped it would be?

[@paulmadkow9143]

@@thevagabondonwheels4918 no regrets. The only issue right now is all the long term rv parks are completely booked. I am going to start work camping anyways.

[@josephbush]

I was an investment advisor for 22 years. The advice in the video is excellent and true for the typical American. But for people who have a good portfolio of about $5m, if you look around, most people are still active at 70 (I live in LA) but by 80, not so much, so enjoy yourself at some point before it’s too late. That nice vacation will pay for your last week in the nursing home. There is a difference between wasting money and spending it. Be value-conscious.

[@tommyers0]

Experienced the same thing. The financial counselor we met with last year told us, "Guys, you've already made it," even though my spouse has retired. Stop delaying enjoyable activities in life.

[@georgeh.5126]

I agree entirely. I recently retired at the age of 54 with about $1.9 million in outside retirement funds, no debt, and a relatively small amount of retirement funds compared to the overall value of my portfolio over the previous three years. To be really honest, the Fin-advisor's position can only be minimized. Just attempt to find a trustworthy one. It is very different from spending money to spend it on possibilities and things that might not materialize any time soon. Being value-conscious is crucial, as you indicated.

[@aureliobjm]

@georgeh Interesting, I have been contemplating pursuing that approach myself. I could really use the expertise of this advisors, who's the person guiding you?

[@georgeh.5126]

@aureliobjm I really don't like making such recommendations, because everybody's situation is unique. But there are many freelance advisors you could check out. I have been working with "Heather Lee Larioni" for about four years now, and she's really, really good. If she meets your discretion, then you could go ahead with her. I endorse her.

[@aureliobjm]

@georgeh I just quickly looked up her and her credentials. She seems very knowledgeable, so I wrote her about my financial market goals and set up a call. Many thanks.

[@E.GCreates]

Retired at 55 several years ago, $1m in the bank. More time with my wife. 3-5 trips to the gym each week that I couldn’t do while working. Way less stress. More time for hobbies. Cycled 5,000 miles my 1st year of retirement. Joined a golf league that work travel had prevented. Actually have seen our net worth INCREASE nearly each year in retirement, thanks to no debt and years of dedicated investing with my FA Dianne Sarah Olson who made me a million after giving her a sum of one hundred and eighty thousand to start. Now i'm able to help my elderly mom more. Way more time spent outdoors with my family. Life is good!

[@Norrieey]

smart, You've done well for yourself. It’s all about accumulating wealth through compound interest investment

[@Clancysoucie]

hi, i'm 49 and already planning ahead for my retirement, i know it's really early but i'm working really hard to retire by 55. I've been working as an accountant for an AUTO company for 12 years and i already have close to 100+ saved but i don't know where to start. Can your Fa invest it for me please? i don't think i can do it myself. please i need a reply

[@E.GCreates]

I admire your hard work and i must say you're well on your way to retiring early. Look her up, she's not hard to find. Goodluck

[@Lamarche1959]

out of curiosity i did a quick web search, she has a pretty decent bio, I wrote her and I'm waiting on her reply. Thanks for the tip

[@Bergenn158]

Thanks for saving me hours of research, searched Dianne Sarah Olson on my browser, i'll reach out to her really soon. great share!

[@windstreamer9810]

Totally agree with you. Retired at 62 bringing in a few hundred dollars less per month but I don’t spend as much as when I was working. Living my schedule, my choices of daily tasks, helping raise grandkids, no more weekly meetings and no more expense reports. House paid off in 2020. LIfe’s Good…

[@1999zrx1100]

I pulled the plug @ 60, 66 now and every year I truly appreciate. Lost some friends in their 50’s who didn’t even get a year of retirement. That’s why I’m thankful for for every day. 🤗

[@carpediem6431]

@@RetireandGoMy wife is currently eligible for a government pension, it’ll be about $2400/month. Can we live comfortably in Thailand on that?

[@douglasnakamura6753]

@@carpediem6431 Easily

[@skillfuldabest]

@@carpediem6431 Absolutely.

[@cmbooks2000]

The week after I quit my last job I woke up in the ER. I had a temporary amnesia episode. There are several hours that I don't remember. My husband came in from work and said I was acting odd, saying things that were out of character. He called 911 and they told him to take me to the hospital immediately. My job had been stressing me out bigtime, and though I had quit the week before, these were residual effects. I immediately cashed out enough 401k, paid off our mortgages, my car and took ss at age 62. Retirement is the best thing I've ever done for myself. I have time and income to travel, garden, excercise and just being still and thoughtful. I'm learning Italian, planning a trip next year. Thank you for your channel. It's a great service

[@Tsunaniis-j5l]

excuse me, i have a question. if i invest $400k, what am i looking at ROI wise in a few years?

[@Christine-ce4xo]

Well, if you're buying in 2024, due to the market crashing and the effect of inflation on the market right now you'd probably be buying while prices are at a low point (Which my FA would recommend), given the market history and its performance pattern in the past you'd be looking at making well over three million in 4 years

[@Tsunaniis-j5l]

I'm scared about retirement as I turn 60 on my next birthday. I need to ensure I have enough money to survive on. How can I consult your advisor? My retirement account isn't performing well.

[@Christine-ce4xo]

Linda Aretha Reeves is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@Hannahbenowitz]

Lately, I've been contemplating retirement, uncertain whether my 401(k) and IRA will ensure a secure future. I've also invested $800K in the stock market, experiencing fluctuations without substantial gains.

[@HildaBennet]

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

[@PennyBergeron-os4ch]

Opting for an invest-ment advisr 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.

[@JosephineKenney]

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

[@PennyBergeron-os4ch]

I’m with Sonya Lee Mitchell, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@JosephineKenney]

Just ran an online search on her name and came across her websiite; pretty well educated. thank you for sharing.

[@deadandburied7626]

Retired in my late 50s, almost too late. My job had become a younger person's game. I was burnt out, but started healing on day #1. SUNDAYS ARE SO GREAT NOW 🎉

[@militarymom6690]

As a person who is still working Your Sunday comment took me out!😂

[@iainmuir9456]

Wow I'm a "One more year" guy (64) and I'm at 95% of my retirement savings goal. You got me thinking "why one more year". Thank you.

[@tatianastarcic]

The thought of retirement makes me cry. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you weren't to blame for.it's especially difficult for people who are retired.

[@Michaelparker12]

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

[@nicolasbenson009]

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

[@BridgetMiller-]

I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

[@nicolasbenson009]

Finding financial advisors like Melissa Terri Swayne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@berniceburgos-]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

[@maiadazz]

I’ve been diligently working, saving and contributing towards financial freedom and early retirement, but the economy so far since the pandemic has eaten away most of my portfolio, what I want to know is this: Do I keep contributing to my portfolio in these unstable markets or do I look into alternative sectors.

[@jeromesand]

Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses.

[@darnellcapriccioso]

I’m a contractor, and my job doesn’t permit me the time to properly analyze my holdings/evaluate stocks myself, so I’ve had a fiduciary actively restructuring my portfolio for the past 7 years now to match the present market condition and that’s how I’ve been able to stay afloat, knowing when to buy and sell…. maybe you should do the same.

[@maiadazz]

@@darnellcapriccioso I did enroll in a handful of trading classes, but they didn't help much. I've been advised to seek the advice of a competent financial counselor; how did you go about doing so?

[@darnellcapriccioso]

In fact, I'm not sure whether I'm permitted to say this, but I'd suggest searching for “Margaret Johnson Arndt” as she gained a lot of attention in 2017. She is both my coach and the manager of my portfolio.

[@richardhudson1243]

@@darnellcapriccioso I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look her up and send her a message. You've truly motivated me.

[@charleswenn6088]

Great video. My dad taught me from a fairly young age that you should not work your life away. I retired at 55. He was right. I love it.

[@joli395]

You retired young.

[@993mike]

The target for my wife and I was to retire at 60, and with decades of hard work (plus the stress) of owning and managing a small business, we approached one of our vendors who bought the company and allowed us (along with the investments we accumulated & managed) to be out the door just before I turned 61. Now two years later, it’s the best personal thing I’ve done. My last physical a couple months ago my doctor commented that my tests and lab work showed I’m at levels I haven’t had since I was 40 due weight loss & exercise, healthy eating, better sleep, stress reduction, etc and I’m on zero medications. If you can swing it - retire early.

[@darrenhere5856]

very nice !! keep up good work !!

[@jimperry4420]

I’m 59 and own a tire shop. Selling it is my biggest challenge. I’m the busiest shop in town and I thought my competitors would buy me out quickly….

[@AnnMitt]

I retired early at 60. Living frugal and off of savings until SS at 67. I absolutely had health issues because of my medical job. All the health issues resolved soon after I retired with improved sleep, diet, and exercise. I feel great.

[@Oggiesilverfitness]

That's great news Ann. Your retirement was certainly worth it to improve your health alone.

[@westhavenor9513]

I found the same thing after getting laid off at age 59. All my vitals are now normal, after being awful the past 10 years. My weight and diet are the same, so I assume it's due to more walking, better rest and lower stress.

[@susanbullock7258]

Beautiful

[@susanmerenda5666]

What an impact you had on me! I’m 71 and still a practicing doctor in a pediatric specialty. I love my work but what am I waiting for? Your 5 points were excellent and apply well to my person and passions. I worry about time and I worry about health although mine is excellent. Clearly I’m hearing a message that is anxiously telling me to retire. “You can always get more money but you can’t get more time”. That is very motivating logic. Thanks so much.

[@CastleMc]

If you love your work, retirement can be very traumatic. And you can't always get more money. So just make sure you are ready for a major change

[@FernandoSoria-mh9li]

Doctor if u happy staying active and busy and love you’re work,keep doing it even if half of the time ,some folks once they retire become depressed,no life focus

[@72151]

Dear Susan, you're watching this video and having it resonating with you is probably not an accident. If you are looking for the next step, you've found it. Time for you to do you.

[@ShoreShihTzuNurs]

I’m a RN for 43+ years and really do love my job! I think about retiring and think I’d miss my patients!

[@carlosperez-it4zm]

I am a pulmonary specialist from Mexico. I can tell you we do not earn the same money than US physicians, however, I retired when I was 59 and that was the best decision in my life. It's beautiful to be retired

[@deliabotha7187]

I fully agree with you. Me and my husband had so many plans after retirement. He died at the age of 57 due to brain cancer. I retired early at 57 due to work stress and I just wanted to recover from my husbands death. We were married for 34 years. Now I watch my grand daughter from time to time, I crotchet, knit, garden visit with friends. One of my best decisions ever.

[@Nabruj7]

I am very sorry for your loss. I grieve my wife who died suddenly and it is the worst reality. 42 yrs and life is reset. I moved the money into 10 yr annu and it had been doing great. Joe

[@deliabotha7187]

@@Nabruj7 thank you. It is very difficult to go on alone

[@Nabruj7]

@@deliabotha7187 Google “Grief Share”. This is a starting point.

[@alfredlee6155]

I retired at the age of 65 in July I was an ironworker/welder for 47 years. Every day is like a Saturday. My health is vastly improved. My advice don’t wait.

[@saintbyron5150]

SO TRUE!!! I retired at 55 from a public safety job with a good pension. I almost immediately had a heart attack and subsequently diagnosed with blood cancer. TIME, TIME, TIME!!!

[@jenniferjemison636]

So sorry to hear. Wishing you the best and hopefully you will get a chance to enjoy years with your loved ones. Money isn't everything...time is❤😊

[@vallang4832]

🙏🏻🙏🏻🙏🏻 Hope your doing better.

[@saintbyron5150]

@@vallang4832 As well as is expected…thank you so much for your well wishes!

[@dm208060]

I'm 54 and just had a surprise heart attack... Changed our plans and now I'm going to retire at 55 for many of the reasons you talked about. Appreciate your perspective.

[@yqtszhj]

Go for it! Retired at 58 and it’s wonderful.

[@syph8047]

Is a heart attack ever not a surprise?

[@rosiespole]

@@syph8047 What a ***king dumb question

[@mandizmouth2952]

I wish you happy healing and a relaxing retirement.

[@jamespaul2587]

​@@syph8047probably meant there were no known heart problems at the time

[@srconrad]

Yes sir! I am 60 and this is my last month of work. Can't wait!

[@iczemi]

Bravo. I am 61 and say the same.

[@roylappin4491]

I retired at 60! I am now 70, go for it.

[@rcoll60743]

4 more months for me I will be 64, I will be done!! Thank God!!

[@johnbechtold6256]

I retired at 57 & moved in next door to my folks. Probably not enough saved, but the house is ours, and I cherish the time I've been able to spend with them as they age. Within 6 mos, I started eating more healthily, took up daily hikes or swims, and was off all the meds! If you can do it, it's worth the financial sacrifices. 6 yrs so far, and I don't regret it one little bit! I did go back to teach with my sister in her last year because they couldn't find a credentialed teacher... I enjoyed working with her, but my healthy routines suffered, and really brought home the fact that I needed to be retired to be healthy.

[@jm7804]

That's a great story. Education is so stressful. Better off retired

[@Brutushungwell]

Retirement at 61 was the best decision I’ve ever made. I lost 45 pounds my stress levels are nonexistent. I’m much healthier and eating better. I’ve found true freedom

[@josephstevens9888]

Good for you! I always like hearing stories of people enjoying their retirement. Take care.

[@peterduffy9627]

Twins!!! My brother passed away with a heart attack at 61. I made my decision then. I then had an identical attack 6 months later. Got to a hospital in 20 minutes and was ok. 6 years later have lost 18kgs, cooking healthy food. Golf twice a week walkingb18 holes. Look after grand kids regularly. Have 7 figures in super. Why work??

[@mflazar]

I retired at age 59. I wasn't all that well off but I just wanted out of the stress. I heartily endorse every single one of these reasons. Well done sir!!!

[@johntroy6323]

I agree!

[@Thecasinocrashers]

I retired about 10 months ago. My husband told me to retire and I was 63. I was worried about insurance but he had great insurance. He is six years younger so he is still working. We are about to pay off our house and any bills. Life is great and I’m still raising my two grand boys who are 14 and 15, and my mother in law who is 85 and living with us. I’m very happy about this choice.

[@Riggsnic_co]

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

[@bob.weaver72]

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

[@martingiavarini]

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

[@TheJackCain-84]

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

[@martingiavarini]

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

[@TheJackCain-84]

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

[@blw46]

I made a somewhat sudden decision to retire 2 years ago at the age of 62. I cannot begin to describe the utter feeling of peace that comes from letting go of workday stress. I have been able to be available to family members going through difficult health issues and spend a lot more time with my grandchildren. What surprised me was the cost of working- transportation and vehicle maintenance, work clothing and training, professional fees and insurance- these are things I didn't even factor in when I retired and I was pleasantly surprised at the savings.

[@RetiredLovingIt]

@btw46 we totally agree! We really don’t realize the stress we are under until we’re not under it anymore.

[@bobbyk9939]

I’m 52 years old and retired 2 years ago after my wife, mother of my 3 adult boys, soulmate, and best friend of 26 years died. I have passive incomes from 3 paid off homes, retirement from 21 years active duty Army, health insurance paid by Tricare, and stock investments from past 30 years. Been a workaholic all my life and my biggest regret was not spending much time with my family. Now I’m traveling and spending time with my family and friends. I’m not greedy and still live humble as my passive income comes to about $8k a month. Having my wife dying early at only 46 years old was the biggest pain in my heart that seems to never end to this day. I’m still struggling mentally but started many more hobbies and started to date again.

[@deliabotha7187]

It happened to me as well. My husband died at age 57. And we had so many plans

[@RosaGrau2014]

With 8.000 a month I would consider myself rich. Enough money for 4 families to live on humbly.

[@SarahTaylor_]

Things appear strange right now. The value of the US dollar is declining due to inflation, but it is increasing in comparison to other currencies and commodities such as gold and real estate. People are flocking to the dollar because they believe it is safer. I'm worried that rising inflation will cause my $420,000 in retirement funds to lose value. What else could we do with our money?

[@aussiegruber86]

All on red, could double it.

[@jeffvandergraff2574]

Retiring in 1 week...easiest decision i ever made. Worked overtime pretty much my whole life. Only debt is a small house payment... im done. I can live a conservative life and be free

[@derharry3252]

Put something into Bitcoin (even if it’s a fraction of a Bitcoin). Not Crypto in general, but BTC only. Transfer it to a cold storage (self custody) and learn to understand how it works (There’s tons of good content out there) - put at least 5o hours of learning into it, 100 is better. I know this might sound like hard work, but you’ll be glad you did very soon. And you will understand after you did the 50 - 100 hours…

[@ugurkol8767]

You can live like a king in a country whose money declining against US Dollar. For example in Turkey.

[@loukramer152]

@@derharry3252 Well said - you are never too old and it's never too late to learn about and get some BTC!

[@9parasqn656]

I retired at 57. Never regretted it. Had a ball for the past 8 years. Gardening, motorcycling, pets, gym, friends. Kept fit, eat well and if I don't live a long time am hoping it will be at least a fit and healthy time. Never been happier.

[@paulmoss7940]

Same ! 57 then, 63 now . Its great !

[@richardwatts9093]

Nice words , enjoy

[@caserosloot2592]

Hey Azul great points. Where are you walking in this video Looks like a great place to travel to....

[@kathyokinaga9888]

Exactly! I retired unexpectedly about a year and a half ago. I love that everyday is Saturday, sometimes we do yard work, other times we go for the day. FREEDOM in a stressfree environment is worth all the money in the world.

[@claytonmurray5004]

Freedom is priceless

[@FiftiesForward]

What does retired unexpectedly mean?

[@kathyokinaga9888]

@@FiftiesForward They changed my job description, eliminated my old job, offered a severance pay and told me to apply for the new position. I never applied for the new position. Went on a permanent sabbatical. Although, at the time I planned on it being temporary. Best decision I ever made.

[@westhavenor9513]

I'm 59 and have (or had) high blood pressure. I was recently laid off from my job of 12 years. It so happened that my annual physical came due last week. My BP went down 25 points! All my vitals are now within a normal range. I thought my job was low stress, but as you say, sometimes it's hard to see that it's not.

[@RosesKate-dl9fp]

Having been concerned about finances throughout my entire adulthood, it's captivating to observe this video and realize that one can achieve alot if goals are set right for retirement. Experiencing the freedom of not being preoccupied with the financial concerns that consumed me for numerous years is truly liberating. I suppose this is the result of putting in diligent effort for the future.

[@Philippayne-sk3tj]

Remarkable observations! Handling and staying abreast of things can be quite daunting for newcomers like myself. Are you a seasoned investor, or do you employ a methodical approach to staying well-informed?

[@RosesKate-dl9fp]

Since the inception of my business, I've maintained contact with a financial advisor. In the current cultural landscape, the difficulty lies in discerning the opportune moments to buy or sell when dealing with trending stocks. This process, while seemingly straightforward, is effectively managed by my advisor, who handles entry and exit orders for my portfolio. Over the span of just a little over a year, my portfolio has seen substantial growth, exceeding $750k.

[@Philippayne-sk3tj]

Impressive indeed! I'm sincerely eager to derive value from the insights of seasoned advisors, especially given the current condition of my portfolio facing challenges. Could you kindly share the name of the advisor who has been aiding you in navigating these financial complexities?

[@RosesKate-dl9fp]

"Pamela Kay Regel" serves as my advisor, bringing extensive qualifications and experience in the financial market. Her deep understanding of portfolio diversity positions her as an industry expert. I suggest delving into her credentials for further insight. With her considerable experience, she offers valuable guidance to anyone seeking to navigate the complexities of the financial market

[@Philippayne-sk3tj]

I appreciate the information provided. After conducting my own research, it's evident that your advisor possesses significant skill and knowledge. I've reached out to her via email and scheduled a phone call. I'm impressed by her expertise, and I'm looking forward to our forthcoming discussion.

[@Helm-w1q]

I was forced to retire in 09 . Regardless of why, it was the best thing to happen to me. I lost a lot of stress in my life and I don't miss it. No more traffic, going to work sick, nor snowy roads. Took SS at 62. Gave up a 100 doing that but raises caught it up, and I do have enough money to live on. My health has improved(seeing doctors.) I'm 73 and in very good health. I don't follow or pay much attention to politics, I just don't care anymore, my life is made. I have time to enjoy my life and I do. So if you are wondering about this step, go for it. There plenty of room for all of us.

[@mindcache5650]

On point . My parents died at 64 and 66 after 43 years of working. They didn’t see 1 cent of retirement money . The median age for a cancer diagnosis is 66 . The average male life expectancy for a U.S. male is 76 .

[@peteshallcross787]

I'm sorry about your parents. I've seen that happen too many times. I am 65, semi-retired and my wife will be 60 and wants to work 5 more years. We have only been together 5 years but we travel when possible, hike, bike, attend concerts and just try to enjoy life as every day is a blessing. Good luck to you!

[@perfectly22smith38]

If u are already 60 and a man you will likely live to 84+

[@jamesdegaugh4316]

@@perfectly22smith38 u hope

[@perfectly22smith38]

@@jamesdegaugh4316 I hope 90 but will be happy with 80-85

[@mindcache5650]

@@westhavenor9513 Yes you may live to that age but spend 15 years of it surviving a serious illness. Meanwhile the hospitals are draining your cash . Very few are bouncing around like Mick Jagger at 78 .

[@daveg5042]

You nailed it! I retired at 50 after 27 years in law enforcement and I was often told by others to stay 3 more years to get full benefits but I was done. It was the best decision I made based on all the reasons you mentioned. Now, I work part time jobs (incl. my own small business) and I do this by choice and not because I have to. I like to stay busy and enjoy working out regularly. I also got to spend a lot of time with my 12 year old son after I retired which was priceless.

[@victorcretu7741]

You might regret your decision if inflation persists and everything gets more expensive.

[@hellospam879879]

@@victorcretu7741 Well ,the time with a child is priceless and 100% certain but the odds of inflation being the deal breaker is about 2% - just like the Fed target! The law of diminishing returns also governs here.

[@Aziz__0]

I’ve been saving for a long time instead of investing, and right now I only have about $516k. I'm not sure how to make it grow into something substantial that I might use for retirement. I just here for ideas

[@devereauxjnr]

At a point like this, its best recommended you seek the services of an advisor, as this allows you make smarter investing decisions.

[@Damncars456]

Opting for an inves-tment advisr 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 85% since 2022

[@Aziz__0]

Your advisor must be really good. How I can get in touch?

[@Damncars456]

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

[@Aziz__0]

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.

[@edward.abraham]

As a soon-to-be retiree, keeping my 401k on track after a bumpy 2022 is a high goal. I've read about investors generating up to $250k ROI in this present sinking market; any suggestions for increasing my ROI before retirement would be greatly appreciated.

[@james.atkins88]

Yes, you are right. It's been a brisk tailwind for investors in US stocks over the decades but it is still a delicate season now, So I advise you to consider the guidance of a FinanciaI advisor.

[@hunter-bourke21]

A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@rebecca_burns14]

@@hunter-bourke21 Please can you leave the info of your financial advisor here? I’m in dire need for one.

[@hunter-bourke21]

Camille Alicia Garcia, is my portfolio-coach, I found her on Bloomberg where she was featured, I googled her name on the internet. Fortunately I came across her website and reached out. You can go verify yourself.

[@rebecca_burns14]

I've taken the initiative to research *Camille Alicia Garcia* online and verify her credentials. I'm impressed with her expertise, and i have reached out to her to share my financial market goals in details.

[@ericmendels]

Americans estimate they’ll need more than $1 million to retire comfortably - but most aren’t bullish about meeting that goal. Millennial workers predicted they will need to accumulate $1.3 million, according to a new retirement survey from investment manager Schroders. Just 29% expect to reach that target. I’ve been sitting on over $745K equity from a home sale and I want to invest on the stock market, how do I achieve this?

[@AddilynTuffin]

American workers are losing ground on retirement readiness and increasing the risk of outliving their assets, we all need to do more to help improve the savings and retirement security. If you're not who understands strategies to invest in the market, seek a Financial advisor to guide you.

[@kaylawood9053]

@@AddilynTuffin Having an investment adviser is the best way to go about the market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly and I made over $220K within a short time

[@judynewsom1902]

@@kaylawood9053 That's impressive! I could really use the expertise of this advsors

[@kaylawood9053]

My advisor is *Stacie Kristal Weber* who is easily searchable on the web. She has extensive knowledge of the financial market

[@judynewsom1902]

She actually appears to be well-read and educated. I just did a Google search for her name and found her webpage, I appreciate you sharing

[@shineyrow9001]

Absolutely spot on! Enough is enough. Money cannot buy time. I don't want to be the richest man in the graveyard. I'm retiring at 55 (when both my kids will have finished university). Me and my wife have done our sums and will make it work while we enjoy the rest of our lives fulfilling our plans. Keep spreading the message, Azul!

[@LadyDayK87]

"The richest man in the graveyard" Damn.

[@gmfv125]

@@LadyDayK87 That was said by Ronald Wayne who co-founded Apple with Steve Wozniak and Steve Jobs in 1976 but sold his 10% stake in the company for a mere $800.

[@LadyDayK87]

@gmfv125 Steve Jobs is recorded as saying on his deathbed: "At this moment, lying on the bed, sick and remembering all my life, I realize that all my recognition and wealth that I have is meaningless in the face of imminent death.”

[@rightwingprofessor1356]

Retired January 5th, 2024. 5 sound reasons! Reason Number 5 is important! If you focus on "the money" you will never have enough. Focus on the other four...do the math. You know when "enough" is enough.

[@rockinrodlittle]

I retired 10 years ago at 50. I had a wonderful first 50 but the last 10 has been simply amazing! Retiring early is not for everyone. If you have a lot of interest and hobbies it’s awesome. It comes down to how you identify yourself. If it’s your profession then keep working as long as you enjoy. I was a military officer. I don’t introduce myself as a retired military officer. I’m a diver. I’m a motorcycle adventurer. I’m a musician. I’m a traveller. I’m a radio announcer. Many people say that I am living the dream. I’m not. I’m living my dream. Many of my peers think I’m nuts as they wouldn’t like my life. Live YOUR dream.

[@veritasmanagement18]

awesome reply!!! I have 14 more months before I retire just shy of 55. I'm ready!!

[@rockinrodlittle]

@@veritasmanagement18 enjoy!

[@brightsellers]

I am also retired at the age of 52. I am very happy with this decision. Now enjoying life.

[@jodywho6696]

I listened to my grandmother. 15yrs old. She said do it while you are young. I did. Told my mother, I will get a real job when I turn 50. Work for 20yrs. Retire. I never got a real job. But I always lived on the cheap. Never financed anything. A few loans from friends between jobs. Thank the stars. ✨✨✨

[@DanielSon69]

I retired from policing this past spring at age 53. Best decision we’ve (my wife and I) have ever made. We have a 9 year old son who is into many sports year round and he is addicted to fishing. He and I have never been closer since I’ve become a full time Dad. I started helping coach his hockey team this fall. I’m currently preparing for the maple sap/syrup season this coming spring!

[@chipsutcliffe7110]

Taking care of my parents was one of the best things I've done. I'm so lucky to have had that opportunity. I lost some earning years, but don't regret a thing. Money is less impotant to me as I have gotten older.

[@Chelle-kd1po]

Thank you for saying this! My husband is retiring in June so that we can move back to our home state to care for our mothers & his aunt. I am not old enough to draw retirement, so I have many concerns. We have health insurance through his retirement. Your comment gave me so much comfort! Thank you! 🥲

[@chipsutcliffe7110]

@@Chelle-kd1po It can be a long, hard journey (both my parents had dementia) but I wouldn't have traded it for anything. You are doing what is best for everyone. This is the way things are supposed to be.

[@NZMuzz]

​@@chipsutcliffe7110yep 100%. Both my folks were the same... omg talk about unprepared and mind blowingly difficult..... but thinking back I gave it my all and was my chance to give back..

[@janeknisely4383]

Our jobs were so extremely stressful, nurse and firefighter, that we KNEW that retiring early was an important decision.

[@MsPhillgood]

Thanks Azul! I’ve been contemplating if I should resign @ 51 years old. I’m a single parent with an adult autistic son. My 86 years young mother has cancer and needs assistance with her chemotherapy, etc. I have older siblings eligible for retirement but won’t quit for our mother. After seeing this video I’ve made up my mind. I’m also a veteran that gets a monthly check plus my son is a functioning autistic; goes to work 5 days a week.And I have property to sell if necessary. He and I both love mom enough to uproot our lives. Thanks again 🌺

[@ranep548]

I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are stupidly ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways.

[@rogerwheelers4322]

Interest rate is currently at 4.75%(8th rate hike since March last year) Inflation at 7% and mortgage rates is at over 7.5% but yet minimum wage remains the same and my retirement portfolio has suffered tremendously these past years, so my question is how do senior citizens retire and live off such unstable economy. The long term game is obviously not for me at this point.

[@eloign7147]

A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying, cash isn’t king at all in this time!

[@joshbarney114]

On the contrary, even if you’re not skilled, it is still possible to hire one. I am a project manager and my personal portfolio of approximately $450k took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect and profit from my portfolio this red season. I’ve made over $350k in addition to what was left since then.

[@harwellron1289]

@@joshbarney114 Impressive, can you share more info?

[@joshbarney114]

@@harwellron1289 Big Credits to ''Colleen Janie Towe'' she has a web presence, so you can simply search for, there are some others but it might be difficult to get them, but Colleen has been a good guide through the year.

[@NicholasBall130]

I admire your dedication to educating your audience. We all aim for financial stability and a better life after retirement. Achieving this is possible through wise investments, frugal living, and careful budgeting. I'm grateful that I learned the importance of working hard for financial freedom at a young age.

[@StocksWolf752]

In my opinion, making a smart investment is not only a technique for earning passive income, but also a profitable way of saving for future expenses. People who fail to make the proper judgments early in life often come to regret it later in life. Nonetheless, investing alone can be difficult and risky. As a result, I recommend obtaining an expert’s assistance. The challenge is not just watching videos and reading investing books; it is about implementing information effectively.

[@StacieBMui]

With my wealth of experience as a seasoned investor, I firmly believe that the foundation of successful investments lies in acquiring the right knowledge, regardless of popular opinion. As Warren Buffett often advises, "Be greedy when others are fearful, and fearful when others are greedy." This principle undoubtedly holds the key to achieving success amidst market uncertainties. Collaborating with my licensed financial advisor, I've managed to generate $100,000 in profits, marking a positive journey in my investment endeavors thus far.

[@EleanorBaker474]

I’m a contractor, and my job doesn’t permit me the time to properly analyze my holdings/evaluate stocks myself, so I’ve had a fiduciary actively restructuring my portfolio for the past 7 years now to match the present market condition and that’s how I’ve been able to stay afloat, knowing when to buy and sell…maybe you should do the same.

[@StacieBMui]

My partner’s been considering going the same route, could you share more info please on the advisor that guides you?

[@EleanorBaker474]

Sonya Lee Mitchell maintains an online presence that can be easily found through a simple search of her name on the internet.

[@carmensiordia7097]

I’m 61 and retiring from my full time job next week! I can’t afford to fully retire yet but I decided I can afford to work on my own part time. I’m looking forward to the reduced stress!

[@johnnyboyvan]

You are so right, sir. 57 and had a minor heart attack. Retiring this June. 😊

[@dorissteve912]

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

[@dorissteve912]

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

[@dorissteve912]

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 ?

[@dorissteve912]

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

[@williamyejun8508]

’m closing in on retirement, and I'd love to move from Minnesota to a warmer climate, but home prices are ridiculous now, and mortgage price skyrocketing on a roll... do I wait for a crash, or go ahead and buy house anyways?

[@alexyoung3126]

Consider hiring financial advisors, estate planners or tax experts. They can provide specialized knowledge and help you navigate complex financial decisions. Right now treasuries and HYSAs pay 4.5-5% risk free, do that.

[@lawerencemiller9720]

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

[@lawerencemiller9720]

When I curiously typed in her entire name to search online, I saw that her site was highly ranked and really professional. Thank you for sharing this; it has stoked my desire to achieve my objective again.

[@brentshuffler1234]

Whether it is Minnesota or Miami or New York or California, the whole of North America has become unaffordable to most of the sub-millionaire population. My solution has been to leave North America altogether to love, live, work, and laugh in the Caribbean, which has hundreds of places that offer much lower cost of living, safety, peace, no massacres in schools, no kidnapping, no bank robberies, excellent weather, a healthy lifestyle, and a wide range of cuisines, accommodation options, and occupations/business-opportunities....For leas than what my friends and colleagues are paying for a one-bedroom apartment in Miami or Toronto (never mind New York, London, Vancouver, Hawaii, or Los Angeles), I can have my ENTIRE budget and space left over ....With programmes like Barbados's Welcome Stamp and Montserrat's Remote Workers programme, persons can come from around the world and have the best of both worlds.

[@veritasmanagement18]

The real estate market always fluctuates but crashes are not very common, especially these days with mortgage rates most likely on the down trend. We sold our home 6 months ago and do plan on buying again in the next year, but for now we are renting and really loving it. If you would "love to move to a warmer climate," then just do so. Do your research before you move so that you know where you want to go and plant new roots. Life is short...live it happily. Good luck to you.

[@gagnecaron658]

I've done all of these basics, but my portfolio is still in great decline. I have lost over $200K in the stock market, and now I'm desperately trying to improve my portfolio. How do I turn tide around?

[@taylorgreen5908]

The market hasn't been good this year, but it is important you find stocks with market-beating yields and shares that at least keep pace with the market long term. For a successful long-term strategy you have to seek guidance from a broker or financial advisor.

[@gagnecaron658]

I diversified my $400K portfolio across various market with the aid of an investment advisor, I have been able to generate over $300k in net profit across high dividend yield stocks, ETF and bonds.

[@taylorgreen5908]

Sounds really great. I’ve been down a ton, and I’m only holding on so I can recoup. I really need help. Who is this investment-advisor that guides you?

[@gagnecaron658]

The coach I use is actually quite known, and her name is Emily Lois Parker She has a contact website, so you can just search her online because I cant't drop her number here.

[@collinsnorman473]

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 is completely gone.

[@victorlaranjahal]

Started putting money aside for retirement a long time ago, but didn't know how to invest it. I currently have $532k worth of cash pile up. Any idea how I can grow it quickly in this economy?

[@albacus2400BC]

Truth is that the market isn't quite stable at the moment, but if you make the right picks, you could make killer riches very quickly, although such profit usually needs expertise, as in hedge funds or financial managers. I personally prefer the latter.

[@stephenpotter21]

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

[@legacymedia8468]

Wow. Could you recommend a good financial advisor, since you've been in the business? Perhaps you know one with a good track record.

[@stephenpotter21]

I know *Sharon Louise Count* is still in the business, and she's been making really impressive profits in recent years. I think she's got a website you can look up.

[@albacus2400BC]

Thanks a lot for this. I'm gonna check her out and send her an email. I hope she gets back to me soon.

[@johnd4348]

Traveling does not have to be stressful if you dont try to pack all kinds of activities into it and set ridged time schedules and plans. The key is just have no agenda , no time schedule, or any plans at all. Just let the adventure take you wherever it takes you.

[@claytonmurray5004]

So true. Leave your schedule and hurry hurry for your home life if you must.

[@joziewales1965]

it’s called freestyle baby!

[@benitabussell5053]

As a soon retiree, keeping my 401k on course after a rocky 2023 was my top priority, but I have been reading of lnvestors making up to 250k ROI in this current market, and it’s overwhelming. any recommendations to scale up my ROI before retirement will be highly appreciated.

[@BenTodd-fl8nv]

The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner.

[@A_francis]

The best course of action in the current market is to work with an investment advisor, especially for near-retirees. I've been working with a coach for a year now, primarily because I lack the depth of knowledge and mental toughness to handle these recurrent market conditions, even though I've already made over $320K in profits. It's evident that there are more aspects of the market that average people are unaware of than investment advisors are.

[@Debbie.Burton]

Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

[@A_francis]

*Natalie Marie Gentry* 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..

[@HarrisRyan-oy8eo]

Thanks for the lead

[@patricerichards6265]

YOU’RE SO RIGHT!!! Retired at 55! Took care of my dad for 6 years until he passed. I’m now feeling like I just retired. Don’t miss the corp rat race at all. Traveling. Moving around at my own pace and for the first time in many years I’m enjoying life!!! Turned 62 last month and already filled for my SS… don’t have to get every penny of it … just happy to be here in good health to receive some of it and enjoy it myself 🤗

[@AlexanderBell1847]

I turned 50 this year and my brain automatically started thinking about retirement plans and when/where I should retire. I thought of the same topics you explained and I totally agree with you. Another thing to think about is where you retire. Finding a location with lower cost of living can help get your 5th item achieved. Weather is also important for some people. I definitely don't want to be dealing with shoveling snow 🙂

[@kevink1214]

As we get to mid to late 50s we have more days behind us than in front of us. So many put off things until they retire, however we do not know what is in store for us tomorrow. I am getting out of the rat race at 57 and live my retirement life while my health and mind are still intact. I agree with all your points in this vlog. Very good message that many really need to take to heart.

[@michaelcalder9089]

Yep. Stopped working from 49. Nice lifestyle on a modest income. Tennis, music performing, band, fishing, comp snooker, socializing, going out, concerts, meeting new people, own home no debts. Road trips in muscle car.

[@veronica.baker1]

What can i do? I am 58 years old and on the cusp of retirement. I have been incapacitated since 2009. My wife is retiring at the age of 53 in three months and my $750k portfolio is down to $492k. While we were both still in good health and could enjoy spending time outdoors doing the things we loved to do, we wanted to retire. Since our marriage of 29 years ago, we have been investing and saving money in anticipation of this. It's a good idea to get married to someone who shares your views on this. To retire earlier than your colleagues, you and your partner will need to work together. To your first point, I can definitely relate.

[@Believer292]

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

[@edward.abraham]

I agree, , I totally agree, I'm 54 and just retired with about 1.2 million in outside retirement funds, no debt and very small dollars in retirement funds compared to my balance of portfolio over the past 3 years to date. tbh, the role of the Fin-advisor can only be overlooked, not denied. just do your research to find a reputable one.

[@Kim.beneteau]

@@edward.abraham s there any chance you could recommend who you work with? I've wanted to make this switch for a very long time now, but I've been very hesitant about. I'll appreciate any recommendation.

[@edward.abraham]

@@Kim.beneteau Renowned for her proficiency and expertise in the financial market, “Julia Ann Finnicum” my financial advisor, holds a broad understanding of portfolio diversification and is recognized as an authority in this domain.

[@rebecca_burns14]

@@edward.abraham I found her, reached out via email, and scheduled a call, anticipating her response. My goal is to continue 2023 on a positive financial trajectory.

[@maxflight777]

*our jobs don’t feel stressful, but they are* Well said sir. A superb video.

[@Esmeraldalunamaria]

I retired at 56 now 69, and it was the best decision I ever made. I have no debt. own my house cars always pay cash, no credit card debt, and considering the current rollercoaster nature of the stock market, I decided to stay on the sideline for awhile, now I'm worried with the numerous bank failures as of late, am I better off reinvesting my savings in the stock market or do i wait?

[@Anacleta-titarobles]

Last year, I found wonderful reviews like this on Ms. Rose Ann Shursen, I contacted her because I needed multiple sources of income. My first investment was 10,000 USD after 7 days, my accumulation of profits exceeded 43,095 USD.

[@Loganemily31]

This is not just working hard but working smart. A broker's knowledge and time is what one needs to make a good fortune.

[@ChloeBensonBeautyBoxes]

I'm up 19% this year. You're missing out, but maybe you sleep a little better than me.

[@treacytribe]

I’m just casually reading these messages and when you go into reply’s, there seems to be a lot of promotion of financial advisors and how much people have made, WAIT till this market has crashed completely (even if it takes two years)before you go to an advisor. For now stay out of debt and stay in the trenches or you will be broke in two years.

[@ChefJeanPierre]

New subscriber, I like your style! You are not saying anything I have not heard before; you are just saying it in a way that makes more sense, and maybe I am actually ready at 71! Thank you!

[@carvercapitalequitypartner122]

Do it JP.

[@joevallone7313]

Your more than ready pal!

[@mplslawnguy3389]

F that, make me an omelette.

[@lizb1537]

Thank you so much Azul!! Your video came at just the right time!! I told my husband this weekend that I wanted to retire now & when he agreed I was relieved. Later, I started feeling scared & thinking that I was making a mistake. Now, after listening to your video, I feel a lot better! I just submitted my retirement application this evening to retire on May 1st @ age 64 & 6 months. Keep those great videos coming!! ❤

[@steve99912]

good for you. good luck

[@debiwillis9045]

What medical insurance do you have?

[@lizb1537]

@@debiwillis9045 I'm going to be on my husband's medical insurance until I qualify for Medicare.

[@jeannettasmith2825]

I semi-retired last year. After years in the public education system, the stress was becoming unbearable and causing a host of health issues. I accepted a half-time position as an educational interventionist and I’m loving it! I crunched the numbers nine ways to Sunday before making the move, and it’s been tight financially, but I’m so much happier now. I would encourage folks to take a hard look at their financial situation and their ability to work part-time. Transitioning to semi-retirement has been a good move for me as full retirement is out of reach, but continuing to work full-time was destroying my health and sanity.

[@robertwilliams060]

@Hello there, how are you doing this blessed day?

[@jeannettasmith2825]

@@robertwilliams060 Fabulous! I spent the day doing the things I love to do and ended with a soak in the hot tub with a glass of wine. Loving life!

[@robertwilliams060]

@@jeannettasmith2825 Good to hear you're loving your life, where you located?

[@CynthiaAva]

I'm am in my late 50's. I could have retired last year with pension, but I'm paying for my daughter's college education and everything has become so expensive. I don't want to retire then wish I had stayed one more year. I'm torn right now. I also don't want to not have enough money.

[@rannyorton]

I’m currently retired, and considering the current rollercoaster nature of the stock market, I decided to stay on the sideline for awhile, now I’m worried with the numerous bank failures as of late, am I better off reinvesting my savings in the stock market or do I wait?

[@belljoe]

This seems like the worst period.Even the markets are very unpredictable.started investing recently when the market prices were a bit high,today i am more than 60% down

[@Robertgriffinne]

The current situation is incredibly dire for people in the United States and other countries. The global economy is facing a significant downturn, with increasing inflation rates and unemployment figures.

[@Alejandracamacho357]

Given the prevailing market conditions and the potential risks associated with the current economy, I would recommend refraining from investing in stocks for now. Instead, it would be prudent to consider retaining a portion of your assets in gold. Alternatively, seeking advice from a financial advisor could provide valuable guidance in this matter.

[@smithlenn]

true, A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $275k to approx. $850k so far.

[@rannyorton]

I'm intrigued by your experience. Could you possibly recommend a trustworthy advisor you've consulted with?

[@Me97202]

I was able to retire at age 60. 7 years later and I’m still grateful and happy everyday.

[@gloriastola1522]

Excellent video! My husband plans to retire next month but has been battling in his mind if he should or wait another year. I shared this video with him and this solidified his decision to retire. He shared it with 2 of his coworkers who are also retiring. Thank You!

[@yqtszhj]

Excellent. Go for the retirement.

[@Frkdsnbrd4103]

I agree with your points. I'll be 57 this year and I'm hoping I can go part-time in a few months unless I'm allowed to work from home. My priorities are health, time, and money in that order. I don't know how much longer I'll be in good health so no more putting things off. You can always earn more money but you can't get back time. Thanks for another insightful video.

[@h8rry]

I retired almost 15 years ago when I was 55 years old. I work almost 33 years with the same company. I got almost full pension. Work was stressful. Now almost 70 thinking back I wish I should retired 5 years earlier.

[@Stasek1]

I am 66 years old and still working; I run my own business. I had planned to work for a few more years. After watching this podcast: enough! Time is the only non-renewable resource! Thank you Azul. You have changed my point of view.

[@dankolbenschlag2188]

Another option to possibly consider is retiring a little early from a long time job that has become stressful.. And transition to another job that can allow you to work a little longer minus the stress. This may mean making less money ,but can have big benefits to your overall health

[@DevonRexLady]

Great option to consider!

[@wereone142]

I did this, but I make more money with about 90% less stress, and I love what I do.

[@nedwright3257]

Retiring as a single person is very different than as a married couple. Work can be a wonderful social outlet. Continuing to work is wonderful if the stress level is not too high. Retirement is a very personal thing. Most people intuitively recognize the right time to retire when it arrives. I believe this to be true.

[@AzulWells]

Excellent points Ned. The social aspects of work are super important. And, I agree that people intuitively know when it is the right time to retire. Azul

[@FiftiesForward]

I agree 👍

[@richj011]

It all depends on your personal character, extravert/introvert. Some people people thrive on social connection others not so much

[@johnmccool6875]

I used to be in such a rush to retire, but now at 57 with an IT job at a University that I love, working 100% remote, I feel so fortunate to be so content with continuing to work. I left consulting several years ago and the job related stresses went down so much, honestly to almost nothing. I feel my career now is the perfect balance of intellectual challenge to keep my mind sharp and the freedom to enjoy my days, my weekends and even travel as I desire.

[@ourblazingworld]

Are you sure you aren't me? LOL. Same scenario. But I do want to live in central America, and they won't allow me to work from there, so I will probably retire around 63 or so. But if I could work with them outside the USA, I would stay indefinitely because it's so much more balanced than it was when I was in IT outsourcing.

[@eddiep812]

You are living proof that a job isn't work if you honestly enjoy it. You are one of the very few who are lucky. Balance is everything.

[@heavenlymermaid2192]

That’s fine if you have a desk job ,if you have a very hard physical job taking it’s toll on your body then to retire is heaven .

[@johnmccool6875]

@@heavenlymermaid2192 totally agree, I feel very fortunate in this regard, now if I had just saved enough :)

[@johnmccool6875]

@@eddiep812 yes, very grateful in this regard...

[@architektura204]

I retired at 48 in 2002. I was able to help my aging mother when she needed me- this was one of the most important reasons I closed my business which was consuming all my time and corroding my health. I had time to cure by myself all "incurable" diseases I was told to have. I never stopped being creative and active. In 2003 I taught myself to design websites which till now generate income. Both my husband and I have excellent health, we don't take any meds and don't need doctors. We get up every morning full of gratitude and energy to do what we both love to do. We are frugal, but not depriving ourselves from anything we value while also generous with those who deserve to be helped. Life is beautiful this way. Your inspiring channel is very much in accord with our philosophy.

[@44lgarden]

Thanks for the video Azul. I choose to retire at age 60 mainly because I was concerned about my health and wanted to make the best use of my up to 1000 weeks of active living. I calculated up to 1000 weeks of total life expectancy so knew I wanted to live the best life I could now. Your videos just help re-enforce my mind set. If in 5 years I decide I am healthier and need income, I am more than willing to look at my options and work part time if necessary. Enjoying my first three months of retirement so far.

[@eranacarolbyrne6469]

Thanks, Azul, for saying about retiring as soon as you can. I am 57 and have had enough of work. I am looking to retire in the next year. I have an exit plan. I have had enough of the stress as we are so short staffed, that we get more work given to us to do. I want to have more time with my dad who is getting on. I lost my mum through an accident she had in the retirement village that she was living in. I actually wanted to have more time with her to. But life decided otherwise. Time is important.

[@marlajames2376]

I retired almost 2 years ago and I was the frog. I really did not think my job was that stressful until I didn’t have that stress anymore. I tell everyone exactly as you said. I can get more money but I can’t get more life. I am so very thankful every day to be retired! We moved a year into retirement to live near and help,our aging parents. We sure misSs TX but so thankful to be able to do this. Thank you for consistently great videos!

[@InformationMavericks]

What difference did you feel stress wise, post retirement?

[@bmiles4131]

I have less stress since my abusive boss retired. Now trying to recover. Don’t have the $ to retire.

[@charlesdudek7713]

I retired nine years ago at 57. I watch your videos because they make me smile and I enjoy hearing your thoughts and perspective.

[@chrisfrost6008]

I enjoyed the video. I retired a year ago and what I realised is that you definitely do not need as much money to retire as you think you do. Health, family, friends and time are the most important wealth factors.🎉

[@captaincoyote1792]

I hate retirement. I retired from dual careers: military officer, and federal LEO. I lived my careers…I was happy and good at them! Within a two years of retiring, I failed at thru hiking the AT, I had a stroke, a few mini strokes, I lost both parents, became their estate Executor, dealt with siblings….I loved my work. If you love your work, and you’re good at it, never retire. In hindsight, I wouldn’t have.

[@davidallison2112]

I turned 62 in May and just retired and found much value and wisdom in your video. Thank you for producing it!

[@toomanytoys09]

I retired at age 57 after working 34 yrs for the same company & worked hard at reducing debt to a minimum. Doing so, has allowed me to help my aging mother, along with continuing to pursue my hobbies & interests..My relationship with my wife has improved also, because of not being stressed from working 65-80 hr work weeks..I fully agree with all your points & have long said, that I'll be happy to receive a little less from my pension, due to retiring at the minimum allowable age, go and enjoy life & try to stay healthy for as long as I possibly can..Excellent video.

[@chuckdock4436]

Wow, such great points! I'm 61 and have been thinking about retiring this year when I turn 62. The house is paid off, no credit card debt, no car payments, cheap taxes...and I have decent money saved. My health is good but that is always the question, will it stay that way...I think I'm pulling the plug on working. Its a tough call because it pays so well, and I work from home but your points on the stress aspect are so true. Though my work doesn't seem stressful I know that it is, I'm just used to it after all these years. My wife doesn't want me to retire, she enjoys the money but she watched the video with me and that really helped her see the reasoning's. Great video!

[@jn5829]

I'm 38 living in Seoul, Korea and I just retired 3months ago. Even though I was really good at my job as a dentist, there was always big pressure on my shoulder and I couldn't have enough time for myself. My original goal was 10milion and I just made a little more than half of it, but still I feel it's enough and I can live through. I wake up when I want. I swim 2 times a week, 3times go gym for lifting, and I'm learning japanese nowadays. I feel I'm finally living my life.

[@TeIegram-_couchstarsip]

0:10 Thanks for responding I've got something new 📩

[@TeIegram-_couchstarsip]

@investazul

[@Dick-d1m]

🎉 that's great how did you do it ?

[@jn5829]

@@Dick-d1m working and investing, especially real estate. Investment is all about timing. Good luck..!

[@RagedContinuum]

by LARPing?@@Dick-d1m

[@darrylbrooks3361]

Retired at 59. For the few years prior to that, I promised my wife two things. One, whenever we retire, we'll be okay, and two, we will wish we had done it earlier. Both things were more true than I ever thought. Since then, I have tried to convince young people that whatever they think their goals in life are, that they are wrong. Those goals are just stepping stones to the ultimate goal. Retire as early as you can. This isn't the end game, this is the starting line. Get to it as quickly as possible.

[@kenc8359]

I retired before I was 60. It was the decision of my life. I'm now 70. I agree with all your 5 reasons for retiring early. A passive income is the key.

[@oscarluis22556]

My wife and I did very well in the amount of money that we amassed for retirement. Well over 80% of that money was made because of taking advantage of buying high-end stocks at a deep discount during the Great Recession. 2009 I fired the stockbroker got rid of all mutual funds and bought individual dividend stocks. Be patient don't get scared and do your homework and you can make a killing.

[@anitaroger8497]

I am 54 years old and my husband and I are very worried about our future, with gas and food prices rising every day. We have seen our savings dwindle with the cost of living in the stratosphere, it is impossible for us to replace them. We can manage, but we can't move forward. My condolences to everyone retiring in this crisis, all those years of working just to lose it all in a crisis you didn't cause.

[@jaydenkeller8723]

I think it's especially difficult for retirees and near-retirees, I know to focus on the long term but the anxiety when you're supposed to retire in 3-5 years is exhausting. it is difficult for me to participate in the market right now due to the full-time nature of my job. it will be too stressful to combine so I don't even think about it

[@luiseric2752]

There are actually a lot of ways to make high yields in a crisis, but such trades are best done under the supervision of Financial advisor.

[@drjackliam8498]

@@luiseric2752 That's true, I've been getting assisted by a FA for almost a year now, I started out with less than $50K and I'm just $100k in profit.

[@ramprasadtian]

Impressive can you share more info?