6 Reasons to Retire as Soon as You Can

I spend most of my time trying to convince people that now is a good time to retire, and I’ve heard all of the objections before:
“I’m nervous about the economy”
“I don’t know what I’d do with my time”
“I don’t know how much money I need”
“What if my children need extra support”
“What if I need extra support”
I’ll just do one more year…
Everyone starts off with similar concerns. But as you sit down and go through the step-by-step process of planning for retirement, you realise that there is little substance to these concerns or that they can be managed.
You'll realise that you don’t need more money. You just need a better plan.
That process starts here:
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: go.novawm.com/getintouch
Step-by-Step retirement planning videos
Video 1 - • If you ever plan on re...
Video 2 - • All good retirement pl...
Video 3 - • How much do you need t...
DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice. Any opinions or assessments expressed are James’ own opinions or assessments, which are not affiliated with any third party. Any representations stated as facts or views based on such facts are relevant to circumstances applicable at the time of publication. This information should never be relied solely upon to make decisions, and James accepts no liability for any investment actions undertaken by viewers. Please seek regulated financial advice or an advisor if you require assistance.
James Shack™ property of James Shackell
Copyright © James Shackell 2023. All rights reserved.
The author asserts their moral right under the Copyright, Designs and Patents Act 1988 to be identified as the author of this channel and any video published on it.

[@JamesShack]

If you’re already retired, do you have any words of encouragement for people who are thinking about taking the plunge?

[@jewelcitizen2567]

Your video could not be more prescient. I lost my Dad last month, he was the very personification of *_’Carpe Diem’_* and never squandered a day. Tomorrow is promised to no one.

[@craigmckinlay4308]

If it doesn’t work out when you retire, you can always go back to work. Doesn’t have to be a one way street.

[@willsheward]

I retired two years ago and, although stockmarket returns during those two years have been disappointing, I have no regrets. Why? Well, it's simple. If I think I'm going to run out of money I can probably earn some more but when I run out of time (and we all do) it won't matter how much money I have left. Even a billion pounds in the bank won't buy me one extra second of life.

[@gatekeeperboxing5898]

I've already retired. For me it was never planned it was mainly due to a change in family circumstances, I first reduced my hours then left altogether. It ended up being the best thing to happen to me for a number of reasons and now my time is all my own. I no longer have to deal with bad behaviour in the workplace and I have no-one to answer to but myself. I set my goals and achieve them alot quicker than ever before.

[@squareeyes3676]

When you either lose someone close, your health takes a knock or even lose your job you may not take time out to review what time you have left. I should have done it sooner.

[@seanfrank4158]

I'm 50 and if I could retire right this very second I absolutely would. I'm so sick and tired of my job and I'm quite convinced that I picked the wrong path in life. It's too late for me to make a drastic change but there is one piece of advice I can give is to not waste so much of your life at a job or in a career that you hate. It is so not worth it.

[@locust7777]

Similar age and same story. I sometimes feel like my whole life story is 'picking the wrong path' 😬

[@marka.2715]

You are not alone. I'm in the same boat.

[@kazijavedanwar7891]

I'm younger, and already had my guts full of s*h*i*t

[@rockpadstudios]

I'm so bored at work now - 62 here

[@kj475]

Your earliest retirement age should be based on your ability to financially afford the lifestyle you want to live without working.

[@highentropy2468]

My dad passed away suddenly and unexpectedly in January 2021. He was 49. When my sister and I were handed the unfortunate task of sorting his affairs we saw that he had been paying into two private pension funds since 1998. It made us both realise that, whilst money IS important, you certainly can't take it with you. I'm sure if my dad was informed of his imminent death prior he would have enjoyed that money in every possible way. My message to everyone watching is - money isn't everything, don't get stressed about investing/saving every last bit while you're still young, because old age may never greet you.

[@excalibur9768]

That's true brother. Sorry to hear about your dad, life is very cruel and unfair sometimes.

[@RoofLight00]

Wise words and something often missing from these videos. Sorry for your loss...

[@user-hl4ie2ld2f]

Sorry for your loss. While I understand what you are saying but I disagree because I believe in generational wealth. I may not be able to enjoy but I will be happy that my kids will not have to worry to some extent!

[@choosetoshine2610]

Sorry for your loss. Thank you this reminder. ❤

[@pasqualeamabile5672]

So true😢

[@Lewyn298]

High prices for everything have severely affected my plan. I'm concerned if people who went through the 2008 financial crisis had an easier time than I am having now. The stock market is worrying me as my income has decreased, and I fear I won't have enough savings for retirement since I can't contribute as much as before.

[@thelooseseal]

It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of investing in the stock market and potentially grow your retirement savings over time.

[@ApBurger3532]

Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.

[@Wendytsang12]

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

[@ApBurger3532]

Finding financial advisors like Jill Marie Carroll 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.

[@Wendytsang12]

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

[@louisairvin3052]

I am 52yrs old and I have started preparing for retirement but with the ongoing effects of high inflation, lower market returns and stagnant wages, achieving a secure early retirement could is more challenging than ever before. I'll appreciate a means of making short term profit from stocks and others.

[@anthonyrussell5718]

If you need advise on a short term profitable investment. It may be a good idea to speak with a financial advisor who can help you build strategies based on your individual goals.

[@louisairvin3052]

@@DiegoPersie I'm actually interested in this idea of investing through an analyst. Sounds like the most sensible thing to do in the market right now. Could you give me a pointer to who you work with, please?

[@louisairvin3052]

@@DiegoPersie I checked Kaitlin up out of curiosity, found her webpage and i must say i am impressed by her Credentials. i emailed her already, waiting on her response.

[@koubenakombi3066]

Buy silver and gold. We are financing this corrupt system through fiat currency. Every time we accept a paper bill or digital based on fiat currency, we reassure its value. And the guy with the printing machine, prints more and pay thugs to mug us and our family. Stop valuing what has no value. Let it break. Get out of the system. Trade. Barter. Use precious metals. Get away from these paper bills with no real value, but the power to oppress us in daily basis. Oh dear... do not count on state for your retirement... not even funds... you are on your own, unless you submit to their rules and get a lot of exper|ments and whatever they think you should have in your body to get that allowance... pretty much it will reduce your life spam, dear use|ess e/\ter... (not my words, but theirs!).

[@howardeugene7948]

scammmm

[@Justmekpc]

I retired two years ago at 63 with very little saved I’m also single and live well within my means and so far it’s been a great decision I have a small school bus I converted and last year spent several months in Arizona NM California and Utah as I’m from Colorado I also travel to Sweden to see my son and his family, that’s where I’m at now My biggest advice is don’t get upset if you can’t do everything you hoped to do Live within your means and enjoy the things you can afford to do

[@AndyBlackSEO]

And that my friend is called “gratitude”. Congrats on your retirement. Sometimes the best things in life cost very little when you’re looking in the right places.

[@nata3467]

I'm starting to realize that I may need to retire sooner than later and just live with a much smaller pool of money. My job right now is incredibly high stress with so when I leave it I would have to retire but I could always get another job if I so desire

[@surechautauqua1296]

Like what you say.

[@kennybyrd770]

Retired at 65, 1and a half years early.living the same way, minus Switzerland. Happy so far!

[@karenmancina4170]

I totally agree

[@rsstnnr76]

My dad worked as a laywer for 25 years. The job was stressful and he decided to retire early (about 5 years earlier than he was planning on retiring). I've never seen him happier. Work was literally killing him.

[@David-zj3bp]

I'm sure his job was stressing him out. The thing about prolonged stress is it robs people of joy and happiness. Especially when they have to deal with other people's problems for a living.

[@Beazle00]

This is the video that changed my life. I saw it in September 2023. I retired on 17 November. Thank you James.

[@JamesShack]

Congratulations, and all the best with it!

[@mmabagain]

59 days until retirement for me. House and cars paid for. 2K/month Pension, 3.5K/month SS and 700K in 401K. I think we are ready. Thank God!

[@BKNb77]

I don’t know why I feel insecure about my future with $5 million net worth at 47 years old. I’ve got four children. Everybody’s happy. But I have this mindset that if I retire now it may not last. I want to be to help people I love until I die

[@racekrasser7869]

@@BKNb77 just because you 'retire' doesn't mean you can never make money again...get outta there.

[@rangerwhite5165]

Retired at 51. Don't regret a moment of it. I'm starting to see friends go with illness etc and you do realise that your greatest commodity after 50 is time and health.

[@amylee9]

what about health insurance?

[@mocheen4837]

I went from working 65 hrs a week to working 3 days a week entirely from home. I am working less than half the time and taking off 8 weeks per year for vacation. My wife works part time as well. Being able to spend time at home with family is amazing. I am able to go to the gym, biking and golfing. We each have six figure incomes while still being able to spend time with our children. Once they are out of college we will consider retiring. So five more years to go and trying to make the most out of our time together.

[@davidconnall5820]

where you can retire at 51 ? , in Spain retirement age is 65 years old

[@person.X.]

@@davidconnall5820 You can retire whenever you want if you can afford to.

[@Danny1282]

I'm due to retire at 51, won't be a massive pension however I'll be mortgage free at 43, and plan to enjoy having an extra £1300 quid in disposable income, I have had a mortgage since 21 and planed to work my backside off whilst I was young and fit, I'm now in touching distance of been financially secure, having a roof over my children's head in a house they love is my main objective however this wasn't when I was 21

[@vin424242]

Im retirement age, 66 and soon to be 67, i love my job as a joiner on building sites, i only do 4 days a week now and reducing to 3 come spring, my job now is like a hobby i get paid for, i don't need to do it and can leave anytime i want

[@simon1066]

Great real life advice. Too many people think they are living forever or think they’ll have plenty of time to spend with their parents, partner, children. My best mate died 4 weeks ago, he’d only retired in March this year. Life is short, make the most of the time you have left.

[@Camlo434]

@Help_Iinegod damn man bots pathetic

[@PeterDavila-mx9ni]

Dude, you're much wiser than your age. Excellent video. I'm 68.5 years young. I retired at age 65. I love retirement. What I did prior to retirement is to pay off all my debts. No car payment, no mortgage, no credit card debt. Then, I sat down and figured out my monthly budget I would need each month to cover the type of retirement that I wanted. My minimum happened to be $4500 a month. Then, I started going to the gym, at least 3 days a week, and for 2.5 hours each one of those days. I'm healthy and I feel great. Life is good. Now, people, go out there and give yourself the retirement that you want. Only you can.

[@cynthiawilson8759]

I’ll be 55 this year, my mom will be 81. I’m not waiting. I may not have the money that I want, but I’ll be alright. The LORD will provide.

[@Jkaye13]

Right.. l struggle with the fact that most of these yt videos talk about having a million $ plus portfolio to retire, which l don't have.. and the fact that in previous generations there was no retirement portfolios of millions of dollars.. my parents, as well as most retired folk l know, live on SS.. no they aren't living on $100,000 a year with a new car in the driveway and taking a cruise every other month.. l don't think that has ever been my retirement plan in the first place, so nothing missed. My plan will be just what you stated.. trusting in the Lord to provide. Yeshua had no retirement ..in fact He owned nothing this side of heaven, and l don't remember Him telling us to "store up our treasures" here either..

[@leehamilton4459]

I needed to hear this. I retired at 55 with a lifetime pension. Not a huge pension, but a comfortable one. I have had a hard time giving up that hustling lifestyle. Within 6 months of retiring, I began working another job, then became dissatisfied with that one, then got another, then another and another. Although I told myself I needed to work these jobs I ended up disliking all of them. It has finally dawned on me that I need to just chill out and relax, find a hobby, visit family or travel more. Working a job is almost a bad habit at this point. I am now recognizing this job-hopping pattern and intend to stop the madness for once and all. I need to enjoy the fruits of my labor from here on out.

[@jeanettecraster2027]

That was me when I went back to work! I think when you work for so many years it becomes a habit. When I first retired I felt rudderless and didn't know what to do. My husband says I have to work at it and like you I think I just need to chill out and relax and not expect the hustle and bustle I was used to. Good luck to you in your retirement. I hope it is a long and healthy one.

[@BKNb77]

How are you going to travel with insufficient funds?

[@scotmorley8526]

I retired at 55 with 400k, but only did 2 years of retirement, I just hated the boredom of winter, I also missed investing strangely enough. So I trained to be a tree surgeon, I now work 2 days a week through Autumn and winter and have Spring and Summer touring Great Britain. The 400K was touching 440 after 2 years, even after taking 2 years living expenses, so money wasn't a problem. I think you have to find the correct balance to enjoy retirement.

[@chris420uk]

I've always wanted to be a tree surgeon when I retire from the office job... how did you find it? Isn't it quite physically demanding? And how do you find work?

[@scotmorley8526]

@@chris420uk I really enjoy, the physical side of the job, I'm now 60 and I haven't had a day yet when I've thought I don't need this anymore. I started out by getting a couple of jobs from another local arborist who was up to his neck in work, I've never had to advertise, I don't want to, I wouldn't want to turn people down, do a great job and word of mouth will get you enough work. I hope you can follow your dream retirement I just stumbled across this, from the sheer boredom of winter and just couldn't face another winter twiddling my thumbs so go for it Chris.

[@barnstar2077]

I think you went out on a limb! : )

[@FamilyManMoving]

@@barnstar2077 Ba Da, Bum! Tip your waiters folks, BarnStar is here all week!

[@James-dt1kl]

Working outdoors in the British winter sounds dire! Could you not work the summer 2 days a week and then go abroad for the winter? 😅😂

[@Wiltshire-observer]

I retired a year ago at 58. It was financially ‘early’ in some respects, one pension now to keep me going, the other two next year, then state pension as a top up. It wasn’t so easy to get to the decision, but the job I had been in for the best part of 34 years I’d had enough. I was bypassed for better wages even though I was still saving the day. The work became boring and hijacked by woke. I knew I could support myself without working, albeit less luxuries. I haven’t been bored, plenty to do on an old house and I don’t have to rush around trying complete it because back to work Monday. It’s all good. If you can give up work, even for a simpler life, then do it. I left my job after 34 years and literally walked out the door having given in my kit and security pass. Not even a thanks from the management team. It really was the right thing to do.

[@gjmjajaj]

what's woke?? inclusions??

[@benevolencia4203]

@@gjmjajajGreat question you’ve asked: What’s woke? In the context of the OP, my bet is: “Woke” is a word avatar (symbol) that Florida~man governor guy is using to demonize, dehumanize, and persecute fellow American citizens who disagree with, or stand in the way of his attempts to radically change our civilized society, and social order by re-institutionalizing sexism, and racism through retro ideological religious thinking, and legislative malfeasance. I also would like to understand the OP’s feelings and intention in using that word. So I hope they also respond to your question.

[@Wiltshire-observer]

@@TheSunnyDay2013 different periods of employment and two defined benefit pensions being closed. (Deferred). Final pension defined contributions (money purchase).

[@michael5089]

​​​@@TheSunnyDay2013Easy I've got 5 pensions through various jobs including state pension.Retired this year at 55👍

[@michael5089]

Great work!! I'm similar. 5 pensions overall. Decided I'd had enough for various reasons. Worked for nearly 40 years. I'm 55.

[@cathycooper7933]

I lost my husband when i was 42 and retired at 49.. No children and no specific hobbies, but a year on i know it was the best thing i ever did.. Most people use “I love my job, it gives me purpose” as an excuse…. I want to spend as much time with my friends as possible, whether it’s on the phone or in person, and working didn’t allow me the time to be there for people as much as a I wanted to be… I have a great aunt who is living by herself at the age of almost 106, so I could be around for a while, and i want to make sure that when my time is up, people remember the love i gave, not how much money is left over… Great video.. Thank you!!

[@JamesShack]

Thank you for sharing Cathy. Interesting you say “I love my job” is an excuse, I would agree but I think it’s deeper then that, so much of our identity can be tied up in what we do that to deny it, to suggest that we’ve been wasting our time, can be very painful. But I agree. Many people say they love their job, some genuinely do, but most only say that because they haven’t discovered the alternative yet.

[@tonyrobinson362]

Best comment best wishes for the future dont take care go for it whatever.

[@tompiper9276]

'I love my job' is just an alternative to 'my job sucks but I don't dare admit it because it suggests I'm some kind of failure'. It's just a little bit of BS.

[@smerchly]

I also retired at 49 and now living at a minimum wage level from my pension. I drive a 25 year old van with low mileage and keep it in good shape . After 31 years I keep busy and fit , eat good food and buy used items .(no tax) . We do not need costly outside recreation , so many things to do are free. Time for my oatmeal, honey and banana.

[@ianferguson3543]

I retired as early as I could manage at 57. I just turned 70 so I have had 13 years without having to go to work. I paid off mortgage money once a year to get to the point of owning my home. I also helped my kids financially when needed. My main advice is to plan your pension and retirement and reach retirement when you can. You need to sort out your health. This means weight control, exercise and managing alcohol. Two can live almost as cheaply as one. Regarding health if you are doing anything that will damage your body then you should reduce that too. Loud music = ear damage. Lots of physical stuff can wear out joints. Anyway, time to retire as soon as you can. Make sure you have hobbies. Keep your brain sharp.

[@michaelmottice8455]

Recently diagnosed with stage four cancer so my timetable has been flipped. I appreciate your video because so few people think of how short time is. I was working 70 hours a week and missing tons of family things. I’ve cut down to 35 hours a week and probably will go for disability so what time is left can be spent with loved ones. Powerful advice thanks for the video

[@Anita-rq9ev]

Best wishes to you 🙏

[@trueseeker262]

Please look up RSO oil

[@markl8740]

Sending my very best wishes ❤

[@debcullen9578]

Great decision, enjoy your time with family, best wishes

[@americancitizen1344]

Don't believe everything your doctors tell you just because they say there's nothing else you can do it is absolute bullshit look up how many people have cured themselves from stage 4 cancer Keep Hope starting right now do not eat no more sugar or carbohydrates look up Dr Berg he has multiple people on their who explain how they have cured themselves of stage 4 cancer after the doctors have told them there is nothing left for them I believe wholeheartedly we are what we eat don't give up keep fighting and start fasting start small but move your way up to at least 5 days in a row of not eating when you fast it will not let the cancer grow at all and it will starve the cancer from with inside of you

[@glennet9613]

I'm 78 and my wife and I cycled the old cobbled road over the St Gotthard pass a couple of weeks ago so you may have more years of enjoyable cycling than you expect. We try to do it every year and hope to continue for a few more years. We have been retired going on twenty years and it has been fantastic.

[@mikeoglen6848]

Where is St Gothard's Pass?

[@glennet9613]

@@mikeoglen6848 Easiest is to google it, but it is double 't', Gotthard.

[@theguy9067]

If you truly hate your job sure. Part of enjoying life is the contrast between the things you have to do and the things you like to do. A lot of people retire and wither away, become very inactive

[@GwenMotoGirl]

I thought I was the only person who thinks this way, but I’m glad to know I’m not. Yes, the limited opportunities could be viewed as depressing, but I’m excited about retiring in a few months and getting on with those precious experiences. The countdown app is engaged and I’m ready. I’m 63 and I’ve invested a lot of effort in my physical health, and now I’m ready to visit my daughters and grands, do all the hikes, do the backcountry camping trips, and ride the long distance motorcycle trips that I’ve been wanting to do.

[@GoodStuffsFlyinglife]

Starting working part time from this year at 52. Working 15 hours a week. I have more time to spend with my family and friends. Enjoying new hobbies such as baking and gardening and still having active social life with my work mates and staying connected with society. Minimalist is a new norm for me. God is good!

[@marineboy1964]

I retired at 56 and the first 6 months was the hardest all i thought was have i done the right thing ,3 years later now i have 2 allotments go regularly fishing and a couple of afternoon drinking sessions, the odd game of golf and a bit of northern soul on Saturday nights, Personally i am going to squeeze every day i live now doing the same thing ,i absolutely love my life ,

[@MissAndDav]

Hi from the UK 🇬🇧 My brother is 60 and lives in Sweden. He loves Northern Soul!

[@marineboy1964]

@@MissAndDav Yes I'm going to a all nighter 7pm to 6am next week at Rugeley it's being run by pep a old wigan casino dj , I'm really looking forward to this one , I forgot my wife love the northern soul aswell

[@roblowry9457]

This week I start my final week of full time work, after 37 years of working. I realised I had enough money to live out the rest of my life comfortably. So at 57 I will be going part time, as time is now more important. Another great video James. Thank you

[@mixerman8]

Best way semi retired, keeps the cogs turning and the social integration we'd miss if we straight out retired.

[@sarahr6089]

Yes, we need to remain mentally and socially active. If one fully retires there are ways to meet those needs, it might just take a bit of time and effort to work out what the new way of living looks like. All the best.

[@themoodyteam]

This goes against what the vid suggests. If you have enough money to live comfortably then why work, even part-time?

[@highdb1]

So how is it going three weeks in?

[@jpevans01]

Best of luck 😊

[@chrisf1600]

I was lucky enough to retire a couple of years ago, aged 52. I'm enjoying my new life greatly :) I'm spending loads of time learning about DIY and gardening, getting fit again, delving into the world of academic finance, and generally noodling around and doing whatever I like. And that's from someone who uses to love going into the office and climbing the corporate ladder. I sometimes miss the social aspects of the office, but the benefits outweigh the things I've lost by a huge margin. The strange thing is that I seem to have even less spare time than I use to; I have no idea how I used to cram in 50+ hours in the office. Wish I'd pushed the button years earlier, to be honest !

[@clydesimpson1462]

My Dad retired at 60 and spent the next 30 years volunteering. He always says I don't know how I ever found time to go to work.

[@jpevans01]

Good for you 😊

[@trevorg2128]

I retired T 56 now 86 and still enjoying life I was worried about the money , but you adapt and still live a good life.

[@mikeoglen6848]

Can you lay out a Blue-Print to show us how it is done?

[@trevorg2128]

@@mikeoglen6848 I was lucky I took a golden hand shake ,after 41 yrs at BA , I can tell you I was worried about the money to live on but friends said I was silly if I didn’t take it. I took the plunge and never looked back, mind you think it is a bit harder these days to make ends meet.

[@ScooterOnHisWay2024]

​@@mikeoglen6848What works for him won't work for you. Look at your budget now and find ways to eliminate remaining ongoing debt within the next 2 years. No mortgage. No car payment. More money.

[@juliuserving7841]

​@@mikeoglen6848layout a blueprint ..??? Money can't buy time don't be foolish haven't u learned anything in life ?? People don't impress because we all have the same destiny can't u figured this out numbskill lol !!

[@robwagstaff]

I retired aged 52, 6 years ago. I started planning this aged 45 and built a model to grasp expenditure and pension income (that I continue to maintain). My expenditure in retirement is far lower than when working and yet I have maintained my standard of living. Without doubt, this has been the best decision I’ve ever made and has enabled me to give much more time to family, friends and myself. Don’t delay - plan and retire!

[@lordprotector3367]

Doesn't it get boring?

[@CrewDino]

Great video and I agree with this. My father passed away at 58 years old with an unexpected heart attack late last month. He worked throughout all those years and endured a war in the 90s in the balkans. All he did was work for a better life for his family, but also for retirement. He paid off the home we live in, my mother has his and her retirement, i have saved a good 6 figure amount, I have nothing that needs to be paid off (education, etc), and I am just 30 years old. I feel like I want to enjoy life now knowing there isnt much to worry about and I can use my years left to enjoy the things I grew up with, be with friends and family, and just enjoy life. I am grateful for everything my father has done for my family, friends, and myself. I just wish he took some break time because we really miss him so much and he worked his life solely for this retirement goal that in the end he did not get to see. If he had known, I am sure he would change things. I am healthy for now, and feel like an early retirement and living in what my father built might need to be the choice. Again, amazing video and thanks for nailing this on the head.

[@rmcl4112]

Sorry for your sad loss , but thank you for helping me with a life choice . Your father sounded like a great man ☘️❤️‍🩹

[@johnwhogan1610]

We targeted 55 for retirement, arbitrary target initially. I went on for another year to complete something and had a serious heart attack just before the pandemic. As James said, you have no idea what is around the corner. We live on the basis of how little we need rather than how much we need.

[@jewelcitizen2567]

Health is by far the most under appreciated resource. Indeed many do not even regard health as a ®️esource.

[@ChristopherDavies_]

If you are properly prepared and knowledgeable, every crash/collapse/inflation or recession gives an equal market opportunity. I've seen folks amass up to $800,000 throughout crises and even do it with ease in a terrible economy. Without a doubt, someone has become enormously wealthy as a result of the crash.

[@RobertBrown..]

I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience

[@SarahTaylor_]

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.

[@SarahTaylor_]

"Carol Pasol Lewis" is the advisor that oversees my portfolio. She's been able to gain some reputation and online recognition with over 3 decades in service, so it shouldn't be a hassle to find basic info.

[@MrRawMonkey]

I retired at 57, now 66. Best thing I did but as I get older time is speeding up, which is a great worry.

[@markfindlay8636]

I'm feeling that at 55. Try to get up earlier so l can do more for myself.

[@patmagic3301]

Agree, agree, agree! Time is the commodity that people squander. I was presented a window, sacrificed for 18 years and retired at 50. I’d offer this though, if you retire early and your friends don’t, you won’t actually see them more. My experience is that you’ll see them less. They’re still working and their off time is still scarce. In my experience, who I thought were close friends faded very quickly due to envy. They don’t want to be around a guy who owns all his time when they’re still miserably trapped in the grind. The flip side is you’re gonna want to be around people who are also retired and have the ability to do as they please like you do. Can’t agree more about physical fitness. Free time does not mean more time. You must take care of yourself. Cheers 🕺

[@lizcoleman5229]

Great video! I retired last November at 61 and my husband at 60. We moved from the US to Spain. Best decision we ever made! Our jobs were giving us so much stress that we couldn't deal with that lifestyle anymore and life is too precious to waste being a slave to your job. We moved to a country where we can afford to live comfortably.

[@Dancing_Alone_wRentals]

That sounds very nice. I spend much too much time working......due to lack of planning. Oh well.

[@amylee9]

How are the taxes for Americans living in Spain?

[@lizcoleman5229]

@@amylee9 taxes are high. That's the only drawback. But there is a dual taxation treaty between Spain and the US so you don't have to pay taxes to both countries.

[@hobo1704]

That's the secret, move somewhere that is cheaper

[@Dancing_Alone_wRentals]

I've had that as a rule with work. Work in the larger metro areas, spend in the country. That part I did right...As for the rest....well...the jury is still out on that.@@hobo1704

[@davidclark9973]

I was happy in my corporate job until about 55 when I began to find things beginning to irk. Continuous reorganisations, improvement projects, more and more processes, same problems to solve time after time, etc etc. So I decided to retire at 62 spending the intervening 7 years maxing out my pension savings to take advantage of the 40% tax break. In the end I retired at 63 because of the Covid lockdown and I was working from home anyway. I also spent those years developing my social network and developing interests outside my career- mostly golf I’m afraid- so I would have a structure to life in retirement which had previously been provided by work. I’ve now been retired for 2 years and am really enjoying it. It turns out that there is more to me than the career I chose (and did reasonably well in). It’s true that the winters can drag a little, but then I can take full advantage of every single one of the lovely spring, summer and autumn days we have in our beautiful island. I’m lucky, I have good health, a loving family (although I was divorced about 15 years ago- so it’s not all been plain sailing), I’ve developed a great network of friends and I’ve (probably) saved enough money to do most things we want. If you really love your job, then by all means stay in it, but you might find that there is more to life than the 9 to 5. It’s a brave new world to discover.

[@Wiltshire-observer]

Nice one !. Sounds like the path I took as well (without a divorce though). I retired at 58, early I know, but the Corporate grind and daily woke saw me run for the hills. Three older colleagues, a bit older than me, did the same, all within six months. Bliss.

[@sarahr6089]

Nicely put David, I can relate (except for the golf... but each to their own 😂). All the best.

[@richardfowler9901]

Same

[@jpevans01]

Oh dear - I’m starting to feel that way about work and I’m only 40!!! 😂 Best of luck in retirement - lots of inspiration here to work hard and plan, to allow you to prioritise and enjoy life 😊

[@30scapri]

Focusing on the length of life is misleading, the key element is how long you remain healthy. I've observed the final 8 -10 years are spent in decline. Just one problem compounding into another. 60 -70 is generally the final decade of reasonable health. Spend it wisely.

[@markyy3590]

What I would add is, just because you are working doesn't mean you can't enjoy life. Ok, if it is a job you hate and heavy on your body, that is fair enough, but if it isn't you should still maximise your life, enjoy every moment, even those at work and don't think you need to retire to be truly happy.

[@jamieosh70]

My father died at 73 and enjoyed about 5 years of retirement, then 2 years of illness and treatment (cancer). Life passes by quick. I retired at 52, or perhaps I transitioned to being in a position where I will only spend time how I want to from now on (which may include work!). It has been wonderful so far - and with some planning and management, even through a down term market it was fine

[@Blackfeet]

Life is short.

[@joeking1046]

My lifestyle and outlook mirror yours

[@WISERandHAPPIER]

I am retired at 43 - life is so amazing

[@imnitguy]

@@WISERandHAPPIER what do you do about health insurance?

[@WISERandHAPPIER]

@@imnitguy Safetywing

[@veronicwbrennan4002]

An amazing video. I retired at 60 on a state pension, became frugal and never regretted it for one moment.

[@ericinla65]

FACT - You only want to retire because you hate your job. If you love your job. Why would you want to retire at all? The QUESTION is why are you working in that job in the 1st place?

[@macjb1959]

I’m 64 been retired 4 years now. I cashed 2 work pensions in early, in 2 yrs time I get my state pension. I spend very little. Clothes last for yrs, no jewellery watches, cook my own food make my own wine never eat out , no credit card no tv just my phone & a radio. Time is the most important thing you have

[@thegrumpygamer3081]

So true. I said I would never work past 60, now 63 and still working, although I am retiring in a couple of months, just got to the point of stop worrying about the money and the future and just take it as it comes, as I always have. We'll just have to cut back a bit and think about what we purchase and purchase things we need rather than want. Still pretty scary though having worked since I was 14 if you include Saturday jobs.

[@melatn]

I made the decision to work part-time as soon as I could afford it so i could have more time for personal interests. Have been working 4 days for a few years and plan to move to 3 days soon as I can. It's been life changing and one of the best decisions I've made. So I consider myself "semi-retired" and have been enjoying some of the benefits instead of waiting until i reach retirement age. Have taken two sabbaticals too which i consider "mini retirements".

[@boondog8504]

Amen to that. For family reasons I was not able to retire until 65. For the last four years I have lived in the Caribbean on my sailboat. It costs me little to live and I am having the time of my life. I wish I’d been able do it 20 years earlier.

[@melaniekehaya2868]

Yes if you’re privileged enough to retire early that’s great as most people would opt for this but it’s not being realistic for most. I can never retire, I’d have to wait until I drop. I’m 57 and would’ve been happy retiring at 40 if I could

[@aaronshenk1365]

I’ve shared this video with several friends. Excellent visual representations of the concepts….really hits home. Keep producing great content.

[@martin5504]

Don't chase money, take care but don't be subservient. Use your life's energy to do something worthwhile so that your work is what you want to do. Most worthwhile occupations don't pay well in money. I'm seventy and know many contemporaries who basically wasted their life trying to constantly earn more money. They have big houses and big cars but they are still not happy and some will die soon.

[@denisechappell3434]

I like the way you explained the 3 resources in life at the beginning. I retired early at 56, valuing my time and health over money. Many people put all the emphasis on the money. It is not 'how much' but 'is it enough' a wisdom I've always remembered.

[@OrwellionFeverDreamCouchPotato]

The graphics and visualizations are spot on!

[@ferozsiddiqui890]

Dear James this is by far the most practical and convincing video on retiring early that I have seen. Although I live in the Middle East most of your points resonated with my life. Thanks and look forward to checking out the rest of your videos.

[@Pbchelt]

Such great advice. We had a similar pensions talk at work and it made me adjust my savings strategy. Time is so precious I certainly don't want to work until I drop.

[@theboatcheat1204]

I went part-time at 50 and then retired at 56. Many colleagues were shocked and asked why a part-time A380 captain would retire… the answer was that I should because I could. 7 years on I am certain it was the best decision I could have made.

[@apictorialguidetothemalver7334]

You are so right James, it was Søren Kierkegaard who famously quoted something like ' You can only live your life going forward, but only understand it looking back'. Thanks great video, puts it all in perspective. Cheers Carl

[@Jaybee352]

This is probably your best video. They're all good but this has resonated with me. Thank you

[@fishbonestephen]

I retired from the UK 11 years ago to Hungary...bought my house for £18,500. I was 55 years old. Ive had 11 years of peace, I'm not rich, but my outgoings per month are £115... that doesnt include food and petrol. My time not working has been worth millions.

[@phyllis3597]

Hi James this video really resonated with me, especially the time part! At 65 I’ve considerably less winters and summers ahead of me and yet I’d been considering working (part time) for another 10years!! I’m going to think again about that 🤔 Thank you for putting this perspective into the mix!

[@miri9600]

I am glad I found your channel. You put things into another perspective I never thought of.

[@jayaitch2194]

I stopped working four months ago, I'm 57y my Mum is 79y, fit and healthy and now lives around the corner, my sister is close by too. I worked for 37y, I was happy to adjust my outgoings to spend time; I see my sons whenever I can, travel on my own and with my group of friends. Give up work as soon as you can!

[@JamesShack]

👏🏻 to Alcaraz. What a match! I’ve been patiently waiting to put this video live until it finished. I don’t know about you, but I’m feeling knackered after watching that - time for thinking about retirement perhaps!

[@hannahb6471]

Retirement plan - win Wimbledon. Never played tennis in my life and 30 years old but seems like some minor logistical factors in my solid retirement plan.

[@JamesShack]

@@hannahb6471 haha - he just won a cool £2,350,000 … maybe he needs some financial advice. Anyone know his agent?!

[@hannahb6471]

@@JamesShack imagine that compounding from age 20!

[@darrenspeak1785]

You should have said 52 Wimbledon finals too. Everybody’s future and how long that will be is unknown to everyone, it seems to me that people are more concerned about money in the future completely forgetting that what’s far more important is their health. A lot of people will earn far more money than they actually spend before they die. A very informative video by the way.

[@FlyingGoat123]

Another great video James. I’m in my late 30’s and think I spend too much time trying to come up with an arbitrary number for what I might need for retirement (whenever that may be)! And the bit about parents really hit home…time is precious, use it wisely!

[@johnnylima9632]

I’m very much in the same boat. Good luck to you🙏

[@Northern_Squirrel]

Great video James, love the way how you illustrate your reasons using visualization.

[@dougsims4242]

Thank you. You are the only Financial Planner that hasnt made me feel insecure about the fact that i havent enough to retire on. I retired in my mid 50s due to healrh reasons. My health is monitored and my quality of life is pretty good. The theory that when you earn more you spend more rings true. My income has now reduced but my lifestyle has improved. Everyone is different but my focus now is living a simple, quality and fulfilled life. Stuff is just stuff but people,places and experiences are paramount.

[@cyoishi]

Great video! The way you put time into perspective with your charts is eye opening. I retired 2 years ago at age 62 and I am loving second of it. No regrets, except that I should have done it sooner.

[@dannyboy9817]

Totally agree with your comment about putting time into perspective. Quite shocking when you see and hear it spelled out in black and white.

[@richardshaw4336]

Brilliant illustration. Having lost my parents long before their retirement I retired with modest sums at 56 and 8 month's. Lovely not to have the stress of a full time COJ. I now work 3 days but only because i enjoy it. And that's only while i still enjoy it.

[@JamesShack]

That's great to hear Richard, I'm glad retirement has worked out for you!

[@tancreddehauteville764]

Depends on what you mean by 'modest sums' and whether you've paid off your mortgage, and of course how much your partner has. I'm 56 but won't pay my mortgage off for another 5 years.

[@anthonyd.2518]

Dear James, thank you for the great video! I am now 64 and have an incredibly nice job. I enjoy that every day, both from work and from colleagues. But I also make sure that my work is so much fun. I'm the one who has to hang up the streamers every day at my job. It's not easy but it really is possible. That makes my work a party. I have been working for more than 40 years, but I know that my last working years are the best. In a few years I will retire with a party.

[@remoterish]

Really appreciate the insights, and also the fact that the video edits don't come in between your talking with too many audio effects. Makes it way more watchable :)

[@huskerjpg]

I retired at 57. I could have retired at 55 or even 54. I wish I had done it earlier. I'm 62 now and have not regretted early retirement for a moment. Get out of debt and get out of the rat race asap. You'll never get the time back. Time flies by sooooo fast.

[@maltesetony9030]

No-one ever said: "I wish I'd spent more time in the office".

[@JamesShack]

Very true.

[@Havana-man]

True. I remember hearing a very similar sentiment from a business leader some years ago, who said, when did anybody lie on their deathbed and wish they'd completed that half-finished Excel spreadsheet

[@neetakapoor5765]

Ask irritated husband's...hahahaha

[@sb_dunk]

​@@Havana-manThe thought of not finishing a spreadsheet keeps me up at night

[@theoriginalDAL357]

@@neetakapoor5765 Bwaaahahaha!

[@Jbmacrone]

Liked the practicality of this video. Thank you James!

[@jimmcdonald6465]

Absolutely excellent James. I'm 73, retired 13 years and agree with every line,

[@davidhughes4489]

I retired at 50 comfortably, within 18 months I couldn't stand it any longer, the desire to travel stops when you have travelled a few times and a holiday isn't a holiday anymore cos your not having the break from work anymore, spare time at home when all the jobs around the house are done is uninspiring. only so many walks and drives you can go on. It's not good for mentality feeling worthless at home all day. Im back in work now and enjoying it even I dont need to be. We are humans who have an instinct to progress, not a species with a mindset to stand still however old we get. So my advice is cut down on the work, not give it up the routine all together. You need that happy balance or you wont survive with a smile for to long.

[@as7466]

I worry about this scenario myself. My plan is to retire by 50 also. One thing for sure, I don't want to contine working part time in my current field as I despise it.

[@mikeoglen6848]

50 is a bit young to "retire", isn't it?

[@davidhughes4489]

@@mikeoglen6848 I agree it is, and it didn't work for me, hence I needed a purpose and returned to work.

[@user-qv2xt6rq1k]

Absolutely agree

[@mikeoglen6848]

@@as7466 I have to ask you why you are doing a job you "despise"? Isn't it soul destroying?

[@welshhibby]

Great video, focuses the mind on what really matters.

[@Alvy93]

Thank you for this video mate. Sometimes we are so busy down in the weeds chasing money, that we forget what is really important. This video has changed my perspective on a few things. Seriously, thank you.

[@neilsmith8187]

Fantastic thought provoking video once again James. Striking that balance is key. Keep up the great work

[@Mat_Gallusman]

This is brilliant, James. Thank you !

[@JamesShack]

I'm glad you enjoyed it!

[@DKNW62]

Engaging as always James and spot on message. Its not easy after a liftime of saving to walk away from the triple benefit of one more year and finding that sweet spot. Would be great to hear what people retire too, work does provide a framework and backdrop to which we apprciate our free time.

[@adamgibson3269]

Thank you for this. Messages we all need to hear - especially for those of us who think in terms of major sports events. Greatly appreciated. Have now subscribed.

[@adrianbyrne6676]

Thank you so much James fir the best video on this subject. I am 55 in June and have been putting off retirement for all those reasons. Time and health are so limited. I am resigning this week. Thanks again!

[@Funinhounslow]

Excellent- but sobering- video. Have been considering retiring early next year, but was worrying about all the issues you raise. This has put all my doubts into perspective and I will definitely be going. Thank you!

[@67andyb]

Very thought provoking and sobering too, thank you

[@JamesShack]

Hopefully motivating too!

[@67andyb]

@@JamesShack definitely

[@eddied112]

James this is an excellent video and the 6 points you make could not be more relevant and are worth repeating - even to those of us who think we already know all this. I will be sharing with my friends and will make a point of re-watching to remind myself of these important points.

[@jonathanbeale3978]

James, thank you. Really made me think. I will not share my personal circumstances, however I need to change my view on things and enjoy life more

[@Havana-man]

Highly thought-provoking to a 61-year-old. I'd never looked at it that way and my retirement finances have worried me for some years and, I've felt, too little, too late.

[@ryann8348]

It's really sad watching people who want to get out of working ASAP. I'm a software engineer and love it. I want to see and create so much more in the industry. It's not a physical job, so I can possibly keep doing it until my end. My career is a crucial piece in the balance of my life, and I don't know how I'd get the same mental stimulation elsewhere

[@gerry2345]

@ryann8348... I think that's the way you should feel if you have a passion for the work.

[@bikeman123]

I was a software engineer and struggled with the constant need to learn new things. I also found that the industry is very ageist and getting new contracts proved to be significantly harder once in my 50s. I doubt I would be employed past 60 had I stayed in that field.

[@AlphaGeekgirl]

If you’re in your 60s, then you are indeed, a very lucky person to still be working in the industry and having a steady and stable job. Not everybody is that lucky, and most are forced out to make room for younger software engineers.

[@gerry2345]

@@AlphaGeekgirl ...I kinda think he/she/it is way younger than 60..

[@ryann8348]

@@AlphaGeekgirl I've heard conflicting things about this. The good news is I could retire now, if I so desired, but I hope to be still in the industry in 30 years

[@glenmason1876]

Hi James everything you say is true, people spend far too much time worrying about money, health comes first, I am retired and have been so for 3 years now, don't miss work at all, no more travelling to work, worrying if your late etc

[@PETERFRITZPHOTO]

This profoundly valuable and important. Thank you for doing this.

[@dddddbbb]

I'm 42 - I now work a paid job only 2 days a week, earning enough to cover mortgage and bills. I don't want more time when I'm old - I want it now when I'm still reasonably healthy! I think many people could do this - but instead they prioritise leasing a car/buying newest phone etc.

[@excalibur9768]

I'm 35 and thinking of doing the same. I have no debts other than the mortgage and normal bills. I work 4 days (full time) now but wish to drop to 3 (Mon, Wed, Fri). I can always earn more money going locum but I certainly can't earn more time.

[@jblue2435]

Really great video James. I turned 60 this year. If you'd asked me two years ago I'd be retired now! It feels like such a big decision - I reckon next year now!

[@PrinciplesPersonalFinance]

Great video and message James. Really enjoyed this one. Keep up the great work. 👏👏

[@tab_nebraska235]

Great points and thought provoking, James! Thank you.

[@tonicruger]

I’m closing in on retirement, and I'd love to move from Minnesota to a warmer climate, but home prices are ridiculous now.. do I look at other assets and wait for housing crash, or go ahead with house purchase anyways?

[@Blitcliffe]

diversification is key to good investment strategy, consider talking to an advisor about which market sectors to focus your portfolio on

[@eastwood224]

Agreed, instead of panic or being indecisive, I simply adopted the service of a financial planner early 2020 amid covid-outbreak, and so far, I've attained my most significant financial milestone of over $650k after a couple 100,000 invested.

[@kurttSchuster]

nice! once you hit a big milestone, the next comes easier, who is your advisor pleas, if you dont mind me asking?

[@eastwood224]

Certainly.....'Nicole Desiree Simon' deserves credit as one of the finest financial planners who decides what i acquire including digital assets. Her reputation precedes her, and I highly recommend her on a public post, you can look her up to locate her online if you are internet-

[@Sasa-pm7jc]

Watch out for scammers!!

[@hannahb6471]

Aviva did a pension webinar at my work years ago and what stuck with me was when they told us to calculate how many paydays we had left before were aiming to retire. This was to highlight that waiting one more payday to start your pension or increase contributions is actually more of an impact than you think. I'm 30 and aiming to retire at 60 so I've only got 360 paydays left - messing about for 3 paydays is 1% of my paydays left!

[@JamesShack]

Interesting. Michael Lewis says something like: As a rule of thumb, to work out what % of your salary you should be contributing to your pension to retire comfortably at 65, you should divide the age at which you start contributing to your pension by 2. So if you start at 20, you need to put 10% in. But if you start at 30 you need to put 15% in. Its obviously a very rough estimate, and won’t be appropriate for everyone, but it helps highlight how much is required and how starting late can really set you back.

[@hannahb6471]

@JamesShack yes they actually used the same calculation as a broad brush as well to explain compounding. They started with the how many paydays left then explained compounding and how putting it off can make it incredibly difficult to catch up. I know my pension isn't where it should be at 30 but every time I'm almost about to buy a house, something happens to the housing market and I'm put back a step again 🤦‍♂️

[@shellyperera2010]

​@@JamesShackI don't understand how you can just use a percentage with no reference to the actual numbers? Someone on a low salary might put in the "correct" percentage but how does that mean they'll have enough? Their pot will be a lot lower than someone on a higher salary putting in exactly the same percentage.

[@davem.4003]

​​@@shellyperera2010 think you'll find that it works because most people will live to their means, so then, in retirement, they continue living at the same level (cost) and only need part of their previous income to live on, so the "invest a proportion of income" policy would work for the majority of people. But, everyone has individual needs and expectations, so the rule of thumb should be flexible and adjusted to personal circumstances. For example, someone renting their home needs more income in retirement than someone that has previously invested in buying their home and is no longer paying a mortgage following retirement.

[@as7466]

I just want to say that this video resonated with me very much. Thank you for posting this.

[@MMBBRR]

I really appreciate these videos James. It’s tough to think in this way but incredibly useful. I’ve been through a big mindset shift myself recently looking more into cash flowing assets rather than just ‘big number in ISA’ to aim for financial freedom rather than being just asset rich.

[@alexfernandez4408]

Very apt timing. Decided 2 months ago to wind down work next year. I’m early 40s but work has overshadowed my life the last 15 years. I’ve never truly enjoyed breaks because worried about work and so forth. I’m still fit and enjoy many sports. I’m lucky in that my mortgage is mostly paid off and have a bit in investments that if I actively manage should do well until I fully retire. Life is too short, I want to hang out and be present for my kids whilst they’re still young, I want to wake up and not feel a slave to my desk. I want to smell the air and sun in my face without worrying about timelines. I’m happy to take a hit in lifestyle but can you out a value on time - nope!

[@blackporscheroadster-yw8hb]

I've been self-employed working from home for 18 years. What happens during retirement or similar is you then have too much time. Time is precious when working, but when you're retired or self-employed time is in abundance, to the point where you can get bored. I can tell from your comment you're naive and think your life will be incredible once you retire. WRONG, you'll worry about income, and eating into savings, etc. You will worry about social activities and your health. You'll just worry about different things than deadlines, etc. It's human nature.

[@alexfernandez4408]

@@blackporscheroadster-yw8hb what a weird take especially as I even mentioned how active I was. well you’ve assumed wrong. I tell the FIRE community this all the time - start hobbies and interests NOW. Also did you miss the point where I said I’ll go part-time - Im a self-employed consultant, even working 10 hours weekly. all bills are paid - did you also miss the point where I mentioned my mortgage is almost paid off? The option is always there to work more. I have a solid reputation in my industry - I can pick and choose. My investments I’ll manage actively for when I draw down in 15 years. I mean you could have approached this comment completely differently without calling someone naive- it only shows how your judgement is lacking. Maybe get some hobbies too, it’ll make you more interesting and more patient with others - but here’s another observation I’ve made - people who tie their time and identity to their work lack passion for life. Let that sink in.

[@sarahr6089]

​@@blackporscheroadster-yw8hbIt's not human nature, it's the nature of *some* humans. None of us are in a position to assume how others think or operate. We are all different and I hope you find/have found what makes you truly happy.

[@joe.esposito]

I am in the same position, feeling work overshadows most of my life. 48 now and kids are grown but if I could do it again I would have taken a few years away to be more present during those precious years. Hope you can make it happen, good luck!

[@alexfernandez4408]

@@joe.esposito thanks buddy.

[@markmurphy1995]

A wise man after only being on this planet for 33 years! 🙂

[@JamesShack]

Wise in my very small niche... retirement planning!

[@user-qv2xt6rq1k]

Idle sods more like

[@ouethojlkjn]

You are now my favourite you tuber! How did the algorithm not put you in front of me before? That AI wants an upgrade.

[@misschloemurphy]

Great video James, grabbed my attention the whole way through. Scary thoughts but so true, so important to try and live in the moment x