🚫 8 Things To STOP DOING After 60 (& Have MORE FUN 🎉)

8 Things You Should STOP DOING After 60 | Are You Guilty Of Any?
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Be careful of scammers. In the comments section, I will NEVER ask you to contact me, offer any investment products, recommend a stock broker, or anything similar. Some scam bot commenters 'ask' for investment help, and later, other comment bots reply with "how great X idea/investment/person is" in the replies. These are scam threads. Do not fall for them.
🚨 MY VIDEOS ARE NOT FINANCIAL ADVICE (Disclaimer) 🚨
This information is only provided as an informational resource and should not be viewed as investment advice or recommendations. To get professional financial advice from a fee-only financial advisor near you, please visit www.napfa.org.
The decisions on how to invest, when to retire, and other financial planning topics are some of the most important financial decisions you will make in your life. I urge you to seek professional financial advice as you make this decision, ideally from a financial adviser, AND a CPA AND an attorney. Having the perspective of all three professions will help you make the right decision for you and your family.
This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and may NOT be suitable for all investors.
This information is NOT intended to, and should NOT, form a primary basis for any investment decision that you may make. Always consult your own legal, tax, and/or investment advisor before making any investment/tax/estate/financial planning considerations or decisions.
Spoiler Alert: There are no "get rich" programs. Rather, just basic blocking & tackling and putting in time and care. Do your homework, choose wisely, and (IMHO) work with experienced professionals who are fiduciary to you 100% of the time.

[@jmalone3934]

1. Stop sacrificing unnecessarily. 2. Stop spending on things that don't give you joy. 3. Stop pretending. Be you. 4. Don't put yourself down. 5. Stop worrying. 6. Stop over-supporting adult children. 7. Don't take your health for granted. 8. Don't take your time for granted.

[@LJ-jq8og]

Thank You !

[@prairiemark4084]

Good points!

[@tomfurie2996]

Stop effectively summarizing good video content. Just kidding. Oh, and stop the sarcasm.

[@russellyoung1262]

WOW....I do all these things...I have been looking at these and said, I'm done....I'm ready for me. Maybe I feel you cosigned that...thanks

[@5877user]

Best advice ever❤️

[@ericeinsmann5559]

#7 should be done WAY sooner than 60yrs! By 60 it's too late for many. I got a wakeup call at 54 when I was diagnosed with cancer. I'm happy to report I'm 3.5 years cancer free!

[@slimdude2011]

Awesome! Thank God that your cancer free because He's the one who had worked through your physicians for you to be healed. He deserves all the credit.

[@Paul-rp1pu]

Congrats! I am 2 years in remission & am retiring June 30, 2024. Planning for my pension, social security & a small 401 b allowing me to retire comfortably. Happy you are a survivor!

[@ericeinsmann5559]

@@Paul-rp1pu congratulations on your remission! I retired in March of 2020 the same week I had my cancer surgery. Congrats on your upcoming retirement!

[@hikerhobby1204]

Me too, double lung transplant at 58. Six years and still going strong. All the glory to God!

[@summitsusie]

Similiar - almost 3 yrs post diagnosis, recently finished up tx and hope to retire in May.

[@E.GCreates]

I filed for bankruptcy, divorced my wife, sold my $170k house and moved into a 82' trailer, back in 07'. Had nothing for retirement at 40 yoa. Lived very frugally for years, while I saved for my future. Currently 60' yoa with 3.5 million. Oh, yes I now live in a $600k home. Just focus and set your priorities!

[@Bergenn158]

For those on the brink of retirement and uncertain about where to invest their funds for a secure future, the stock market can be a viable option, but navigating the vast array of stocks requires careful consideration. It's crucial to make informed decisions to safeguard your financial well-being during your retirement years.

[@Lamarche1959]

Consider well-established stocks like Apple (AAPL), Microsoft (MSFT), and Johnson & Johnson (JNJ) for stability and potential growth. However, delving into the stock market can be complex, and this is where the guidance of a seasoned financial advisor becomes invaluable. A professional can help you tailor your investment strategy to align with your retirement goals and risk tolerance.

[@AdamsFerguson]

I can personally attest to the benefits of having a financial advisor. My portfolio has flourished under their guidance, and the inclusion of diverse assets has provided a robust foundation for my retirement plans. Having a trusted advisor allows for a tailored approach, ensuring that investments align with long-term objectives.

[@Dailypalamides]

who is your advisor and how can i get to them?

[@AdamsFerguson]

Do your due diligence on Dianne Sarah Olson. She's my FA and she's the best in the game

[@phillipmatthews8341]

I retired at 62 and it took me about three years to get over the fact that I wasn’t worrying about money. You are spot on about retirement.

[@BerniecePiette445]

I genuinely mean it when I express my stress and concern regarding the market crash and high inflation, particularly in relation to my retirement. I have been experiencing losses for quite some time, and while some may argue that crises can present opportunities, I am feeling overwhelmed. However, I understand that investing is a long-term endeavor, and it is crucial to maintain focus on the bigger picture and the long run...

[@Lida-sh6ee6667]

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $760k by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns....

[@Lida-sh6ee6667]

STEPHANIE KOPP MEEKS, that's whom i work with look her up and thank me later..

[@rodshelley1170]

I'm 74 right now.... And I have an 18-year-old trapped in this body! I do have a tendency to put myself down (and my wonderful wife gives me "that" look when I do), so I'll take your suggestion to heart. Didn't ever have any decent retirement programs, but even on just SS we're doing ok. I'm an artist, and trying to figure a way to make an extra buck here and there - but not stressing about it. Just enjoying being the one in charge of my time (most of the time, anyway.... 😁 Thanks for the video - good advice, all!

[@HighCountryRambler]

I spent my adult life being someone I'm not. At 68 now I see myself reverting back to my younger years with the things I enjoy most. Thanks for the video.

[@Riggsnic_co]

One thought is to buy the dip and then wait to break even, another thought is: Will buying low during a recession work if I'm retiring in the next 3years, I'm no way near prepared for retirement and I just need strategies to scale up to atleast 2million by the time I'm set to retire

[@Oly_laura]

I can’t focus on the long run when I should be retiring in 3years, you see I’ve got good companies in my portfolio and a good amount invested, but my profit has been stalling, does it mean this recession/unstable market doesn’t provide any calculated risk opportunities to make profit?

[@martingiavarini]

There are a lot of strategies to make tongue wetting profit especially in a down market, but such sophisticated trades can only be carried out by proper market experts

[@hermanramos7092]

I agree, my profit has been consistent no matter the market situation, I got into the market early 2019 and the constant downtrends and losses discouraged me so I sold off, got back in Dec 2020 this time with guidance from an investment adviser that was recommended by a popular economist on a subreddit, long story short, its been 2years now and I’ve gained over $850k following guidance from my investment adviser.

[@Oly_laura]

@@hermanramos7092 I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?

[@hermanramos7092]

@@Oly_laura All of this happened in less than a year after ‘Catherine Morrison Evans’ told me what to do. I started with less than $100,000, and now I'm about 17,000 short of having a quarter million dollars.

[@richarddeleon8601]

I am semi-retired. I work 15 hours a week with my company I've been with for 17 years. It's been 2 months but wow, what a difference. I joined a gym for cardio (that's why I'm retired) and my yard is looking so good. My pup is also happy. Great video. ❤

[@psoidonym2389]

I turned 60 a couple of days ago. That "1000-weeks-thing" hits hard.

[@metalrooves3651]

im 250 weeks into the 1000!...self employed is harder to stop!With a W-2 income,you can walk away a certain day AND THEY THROW YOU A PARTY!......im not on ss yet at 65 1/2......i have started turning down difficult jobs ,which hurts me to disappoint people,,,,my savings ,not in stock has dropped 40% of its worth in 4 years due to inflation!

[@ceeceecurrie4875]

This is the best advice I've heard. I'm 73 and I'm in therapy for some of it. It bought me to tears. Thank you for this video. I needed this. It touched my heart

[@tigerjongreen]

I’m just about to hit 80 and absolutely agree with what you say. Take notice folks an act accordingly. Best wishes and happy retirement to all.

[@ВиталийСлонов-ч4ъ]

I'm single and turning 60 in August. Been working all my life, having rarely taken holidays, and have got virtually nothing to show for it. No violins, please. Some have it worse than me. There's nothing I'm afraid of other than dying alone. Thanks for sharing.

[@joywebster2678]

I was not ready or looking to end my advanced Healthcare career. My health was snatched unexpectedly. So my"retirement" kicked in 10yrs early. So my well planned retirement , splat. The things due to engage at 65, don't engage at 60. So from condo owning to renting a room, to stay frugal, and stretch out the savings. But friends, coworkers run away when you fall down early. So I figure at 55 I was facing the life of the avg 70yr old socially. Pop in covid. And isolation grows deeper. My 94 yr old mother in a home has a more fun life than I do! So I'm very frugal, and now am in an apt but here in Canada, volunteer groups, social groups are still slow to re open post covid. And no I can't pay to belong to any country club or such. Not sure yet where we can begin to reconnect in society again.

[@MarkM58]

I retired last year after 36 years in the life insurance and financial services business. You are spot on with this. One of the things I always told my clients was to only worry about the things THEY CAN CONTROL. The rest is going to happen and worrying will do no good.

[@sammyday3341]

Enjoy your retirement!

[@shanew.williams]

Just found this. I've been medically disabled for the past 18 yrs. & i just turned 60. With that & no family to speak of, the first part doesn't seem as applicable. That said, i do value the advice to STOP worrying. "1000 weeks" (more or less) of usable health left at age 60, WOW, That sir, got my attention. Thank You for this.

[@williamjohnson9510]

This is some of the best advice I have ever heard from a financial planner. I came to these realizations about 10 years ago. Was able to retire 1 1/2 years ago at the age of 57. My wife and I have been able to travel and spend time with family and friends. There are no guarantees. Whether you completely retire now or just slow down a bit start doing the things that bring you joy.

[@ashman0071]

great post - I retired at 59 1/2 - it is amazing how fast time is flying now - never slept better - never felt better - the 'stop worrying' was your best recommendation imho - thx

[@Miata822]

Retired at 58. Now 64. I have a hard time not thinking of myself as the boss, the guy who owned that business I built and then sold. I cut all my ties but still have hundreds of names in my contacts list. I still check LinkedIn to see what's going on. It's weird. I almost feel paralyzed, waiting to be "back in the game." If I was really going to start another business, risk it all for the opportunity to work night and day, well, I would have done that by now. Thanks for the wake-up call.

[@yvonneachieng6742]

Pick a day and then take the plunge to delete that LinkedIn profile. You will probably not miss it. The time you spend checking it is part of the 1000 weeks (in your case 48 weeks of these already gone) that Azul talks about. There is much better use for that time.

[@stevenharris6626]

The number one part of life is to stay healthy. If you aren't healthy, you are way less likely to achieve all the rest of your goals!! And nobody can predict the future, so plan for the future, learn from the past, and live for today with what is left over!! Thanks again, Azul!!

[@myvalium1]

I’m 65 and retired just over a year ago. No regrets even though it certainly is an adjustment after 42 very demanding years as a CPA. Your advice is excellent. I’m fortunate in that I truly am in a great position- yet I’m a worrier. I need to focus on what’s good in the moment rather than worrying about what if’s that will likely never happen. As you said, we can’t predict the future

[@SamMiller-x4f]

At 62 years old the best advice I have ever gotten! This was from a old man about 70 years old ( I was 22 years old at the time). You will become the average of the 5 people that you spend the most time with. Thank you Al Rizzio, ARCO.

[@christianbanks7458]

I’m 35 and taking notes done✅ thank you. Life is so short ❤

[@scrappyquilter102]

71, still working full time and needing your advice! This is so good I listened to it all over again and subscribed too. I have already done everything wrong but not too late to change.

[@rayk7612]

I'm 58 and have my own trucking authority. I like to run freight across the country. I've made up my mind to work less - no more than 30 weeks out on the road per year. The rest of my time is mostly spent home in Florida. I'll dial back weeks on the road to 26 weeks in coming years. I like the supplemental income from trucking and I enjoy the challenge plus love to drive. Azul, thank you for the sound advice. This video of yours is probably my favorite.

[@davefair2969]

I like the freedom of working part time and being self employed.

[@therehastobesomethingmoore]

61, the fourth quarter of life. Left work early with not nearly what we had hoped to have but WHATEVER ! And I was in the same business, but even with planning, life happens. We are traveling between Mexico and Argentina for 4-5 years in search of our favorite retirement cities. Everywhere we will be living has a cost of living that is 25-50% of our US cost of living ! We are currently in Matagalpa, Nicaragua, in the beautiful mountains and without any budget our total monthly costs run $1000-$1100/month, in a nice 3/2 rental house in a great neighborhood with beautiful Mountain Views. We are sooooo happy we bailed out. We will be traveling for years instead of working. In 4 months I’ve dropped 35 pounds because we walk everywhere and eating mountains of beautiful fruits n veggies, so our health keeps improving too ! Get out and enjoy that 4th quarter of life !

[@MattTaylor-xx7gs]

That was inspirational for me, I will be 60 in 4 years, and I do not feel like being shackled by health insurance premiums, and I work like a dog too.

[@robertanderson5334]

I watched and I learned from so many older couples as they aged. Most of the couples I watched,waited until retirement to finally treat themselves to travel, a nicer car,fine dining,visiting friends and family, staying up later,maybe a cocktail or two on the patio on a Monday or Tuesday and not worry about work the next day. I watched their lives till the end. Their trips were few and far between, maybe getting in 7 to 10 or less before they passed. Still buy the same cars. Some never went to a nice restaurant to treat themselves.the family is still working and doing chores and errands on weekends, so no extra time for you. Friendships from work are now gone as we all went our seperate ways.Couple friends get divorces or spouse dies prematurely or is disabled now. You find out you still go to bed by 10. Wow,I can drink as much as I want now and hang out. Wrong! Your body and mind now say otherwise. I am so glad that my wife and I did so many wonderful things while we were able to. Still get out of the house whenever we can and just enjoy each other's company. We are very lucky and blessed that we can still be active and have many interests. As many of our friends cannot do or don't enjoy the same things anymore. Live each day to the fullest and thank God that you can.

[@bozartg]

Good advice. I've seen many people who have supported their adult children beyond the norm. I helped both my boys to get something under their belt but an Ivy-league college wasn't in the cards. My older son went to a trade school and is now a very successful co-owner of a Ford Truck repair shop. He didn't have any debt and a good tool crib by the time he started working at a Ford dealership and 8 years later he was approached by his mentor who retired and started his own shop to become his partner. My younger son traveled to China and decided College wasn't for him after trying some Community College classes (which was paid for by his 503 account that I set up). He learned Mandarin at a Chinese University, taught english for a couple of years, met his future wife who was doing the same thing from Russia and now after teaching himself Web Development works from home with his wife and a young son 10 miles from me. Both of my sons are productive and always knew we were there to be a backstop if needed but I've never had to sacrifice my retirement goals due to indulging unrealistic expectations of my kids. The key is to help your children become their own success but not at the expense of your future.

[@garyperkinson8778]

Azul dropped some real truth bombs here. Great advice!

[@davidthompson4869]

this is all excellent Azul. Thank you.I wanted to share a quote(financial!) about worry: "Worry is interest paid on a debt not yet due."

[@roxannefindlay8742]

At 65 We retired beautifully, we are very proud and happy to be in this position. Downsized to make life simpler. Being with our family and traveling were 1 and 2 on our list. We are free to do as we please. It’s wonderful. Our daughters are happy educated and highly successful. Also my favorite quote is by Oscar Wilde “Be yourself, everyone else is taken” 😊

[@alexnud5136]

This guy is so awesome! Great financial analyst and philosopher as well. He explains important things in simple words, should definitely have more subscribers. I am in :)

[@golferpro1241]

I think you are right on point sir. I am the same age as you and my wife is 2 years younger. She just pulled the plug last week. She joined me in retirement. 2 great, successful children, one of who is married and just gave us our first grandchild! I survived a dangerous occupation and now have some health issues looming in my future but I don’t worry about it. Having a blast being me and now my wife is telling annoying people who ask “What are you going to do all day?” “Whatever the Hell I want!” seems to drive em nuts! We both are lucky to have good pensions and great savings and 401’s and life insurance. We planned this since we were married 31 years ago. I help my daughter who is just starting as a teacher. I have her fully funding her TDA which pays 7% interest guaranteed. We supplement her so she is able to afford to do this. I think it’s a good investment! Oh I bought a blue Jeep Wrangler 7 1/2 years ago with my last bonus check. Love that Jeep. It brings me joy. Keep up the good work!

[@benwillis124]

Lots of excellent advice here, my toughest ones are the last three, just like you said! I definitely take my health and my time for granted. I spend alot of time dilly-dallying, staying up late, sleeping late, and not planning. I've been retired about 7 months, so I think I'm in my "honeymoon phase" of retirement where anything goes. Your common go-to point of having less than 1000 weeks of healthy, active time is a key constraint. A similar way to think of it is, in your 60's, your life is about 3/4 done. That's a real motivator to let go of things and accept who you are.

[@RetireandGo]

The stop saving and start enjoying the money is a good one Investing for income is great, but to just hold cash in an account… haha Go on a trip :-)

[@montyspearo]

I can relate to dilly-dallying, guilty as charged. When I quit at Xmas planning to not dilly-dally in morning. Which means less time watching youtube and commenting. I'll see how that works out.

[@mattsellers1925]

“How to stop worrying and start living” by Dale Carnegie is a helpful read for those looking for help in this area.

[@CheckThisOut77]

VERY good recommendation on this book by Dale Carnegie. This time-tested book is the best ever written on the subject of worry.

[@thetrailbuzzard]

I've been watching your vids for several months now. I sure enjoy all the different angles you take on life and sharing them with us is priceless! I'm approaching 52 and am going to retire from my career at 55. I sure have found all of your vids to be uplifting and I might be speaking for a lot of us that aren't millionaires...

[@kennethjmcarthur2428]

Good points that will be appreciated by many at various stages of aging. Thank you. Was on my own at 16. Thought my life was over but decided to do what brought me joy. Senior scuba certification (600 dives) currently. Pilots's license. Stunt school. National win tasting competitions Lived in south pacific University at 39. Married at 40. Worked for prof football team (marketing and player promotion) Seniors housing consultant Divorced at 54. Nasty divorce but got to raise my kids Thrown into unemployment Market crash in 2008, stocks down but some companies folded Pension funds gone Back working in film In the gym every second day Living on the edge a bit at 72 No regrets, no inheritance but both kids doing well. Fit and contributing. It doesn't work the same for all of us. I applaud those like cathy speigel & partner below.

[@hike-bike-paddle-and-drone]

I just turned 60 and happened upon your video (not that I was looking for this topic). So many things you said resonate. My stay at home wife is 4 years younger than I and NONE of this is on her mind! Not that I am worried, but she is very over supportive of our married stay at home daughter with ..... guess whose income. Time to have a BIG talk ....... Jeff

[@paulmoss7940]

One of my friends has a 33 yo able bodied son under their roof. Doesn't work, expert on video games. Has a car ,smokes ,has an Iphone, tats and jewelry. What is wrong with that scene ? smh

[@Sopranomom90]

I found your video yesterday and I have been watching many of your videos since then. . I just retired two weeks ago at age 65 and a cancer survivor. I was doing all 8 things that you asked to stop do after 60 and some I am still doing it. Time form me to stop. Thanks so much for sharing wonderful life -wisdoms

[@ScottWaldenGuitar]

That "stop worrying" is a tough one.

[@chrisk4053]

I actually saw something really helpful. When worrying - can I change the situation. No ( example the weather on a picnic). Then move on and let it happen. If I can control a worry ( like a constant stomach ache) I can take action and see a Dr. And let the dr tell me if it’s a worrisome matter. I’m going to try this !!

[@CheckThisOut77]

A classic book that is time-tested on overcoming worry: How to Stop Worrying and Start Living. This book has specific things you can do immediately to control worry.

[@graywilliams_77.]

For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement.

[@susannicky]

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $760k by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

[@susannicky]

I definitely share your sentiment about these firms. When I was starting out, I checked out a couple of freelance investors online, so you could do the same. I personally work with “JENNY PAMOGAS CANAYA”, and she's is widely recognized for her proficiency and expertise in the financial market. With a comprehensive knowledge of portfolio diversification, she is acknowledged as an authority in this field. Most likely, her deets can be found on the net, so you can confirm yourself.

[@davegibbs6592]

Dig this, not sure how I stumbled across it but at 64 it is great advise and Azul comes across as genuine.

[@dougr5379]

I just turned 63, single, have a 7 figure 401K, sizable personal savings balance and debt free except for a small mortgage balance. I also am still working and absolutely love my job as a senior manager in a large multinational company. You make great points which all of us need to consider. I've asked many retired friends who also worked later in life with similar job situations when they knew it was time to retire. They all said the same thing. They just knew in their heart when they were ready to retire. In other words, they just woke up one morning and did not want to work any longer. I know I'm just not there yet, but I'm starting to feel the initial urge and have thoughts of retirement.

[@suracharawirojratana8723]

I just want to say THANK YOU for your amazing wisdom and most of all, your honesty! It is refreshing to hear from a financial advisor that is willing to speak the TRUTH ! We need to hear the truth about how most of people handle their money - most of time it is not the right way , me included. So , it is very important to hear your wisdom . 🙏

[@sircharlessinderhorn3452]

Excellent points, especially the one about health. At 71 and an amateur athlete for 60 years, I feel unbelievably healthy despite several aches and pains. It’s game over when health fails as I’ve unfortunately seen in several contemporaries. However, no amount of random preaching to others can help if one is not internally motivated.

[@bobjaffray8825]

@Azul.._ Great video! What does this repeated comment mean?

[@david-pb4bi]

Still compete in powerlifting 70 years old, it’s too late to stop now.

[@Dbb27]

@@bobjaffray8825 he’s a scammer. Trying to get people to contact him directly. Otherwise his name would be highlighted.

[@steveburke7675]

#6...doesn't affect me much as my kids have been self sufficient for some time, but I have friends who's adult children are bleeding them dry. I'm talking about "kids" in their 40's demanding monthly "allowances", new cars and even houses. At some point you need to be able to say no.

[@Stephen_567]

Its only in America where parents support adult children. In other countries it's vice versa.

[@ChristineNewton-x1n]

When I started my research into 55+ communities I was fully prepared to jump all in! Then I came across your videos. Well now. I simply love your honesty and very direct approach to the realities of retirement life. You have smacked a whole new scenario and I thank you for that. I will most definitely continue to follow you.

[@davefair2969]

I'm a 61 year old self employed carpenter in Canada. I enjoy working and seeing my customers, making things is part of who I am and I feel fortunate to get paid well for it and have a flexible schedule. I did a lot of travelling over the years as my work is somewhat seasonal, so I just took off in winter for a month. Bought property and landlording . I've cut my hours back and after listening to Azul I think I'll cut them back a bit more and do some of the things I've been putting off while I still have the energy.

[@bahijarhafiri]

The average retiree, I believe, should have been able to have enough to last the rest of his days. I t just depends on choices during your working days, just as I came to realize later. Surprising how I still netted more $2m. by retirement. And this is while living in New York!

[@GhanYt]

New York is sure as hell an expensive place to live in. Were you affiliated to Wall Street? Because how could you net such a huge amount?

[@GhanYt]

That's incredible. Were you investing yourself? I'm really interested in this, because I'm in a similar position at the moment.

[@GhanYt]

Thanks a lot for this. I just sent her an email, and I hope she gets back to me soon.

[@julieorr8365]

@HassanChoukri-jo7ku Boo Hoo only 480K LOL

[@JT-bd6rj]

Good sound advice for people of all ages. Yes, all of us in our golden years need to put our health, finances, and happiness first. If we don't do it, who will? ❤❤❤❤

[@barbara4111]

This is a great series, with just the kind of advice I need in my life. Plain-spoken, straight, solid advice. Many thanks. I've subscribed and I'll be listening.

[@12vLife]

#3 Know Thyself is HUGE! I spent my 20s and 30s not very aware of who I was trying to force myself to change and adapt. The energy it takes to fake it will make you sick ..and even kill you. I always think about where I'd be if I had that level of clarity at 18. Now in our mid 50s we are still working because it's sustainable given remote work and reeling back our careers for more work life balance. We can retire right now easily in that we live very modestly, in addition well paying jobs, earn 6 figures in semi-passive and have a net worth of nearly $5M. Despite all this I live like I'm poor .. drive an old van, cut my own hair, cook simple healthy meals, shop at Walmart and rarely travel.. Our plan is to downsize and spend more time outside. I spend my free time testing van life and off grid living even though I could afford to buy a mansion, travel the world and eat at 5 star restaurants now. Security and Self-reliance are the most valuable assets I own.

[@dontgettoknowm9864]

I’m 60 years old and I am trying to accumulate money but I still have two children in college so I’m not going to get to retire necessarily but luckily for me I like my job. I don’t know friends and I don’t have hobbies that could take up all my time so working and still creating income is good for me.

[@TeIegram-_couchstarsip]

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

[@TeIegram-_couchstarsip]

@investazul.

[@arthurthomasware5004]

"The life not examined is the life wasted," I'm informed some Ancient Greek sage made that comment. This particular is the case when we reach retirement. We are not our roles, or our skills, or our beliefs. We are what we are. "You be you." I like that, Azul. You've evolved into a Self-knowledge teacher along with all that other pragmatism so required for an advisor to the 'Retired.'

[@TheBircat]

HOLY DAMN: every word of this Azul is bang on! As a 60 year old guy in Victoria Canada who's been 'retired' for a couple years, I've invested in a lot of thinking about myself and have come to all these same conclusions. Thank you for taking the time to share with others. If I could embellish on your first point: go to your bank or credit union's wealth group, or independent advisor, and ask for a wealth plan. Going through the exercise can give you such peace of mind, and help you understand your outlook. When you go for this, try to be armed with what you think you (and your spouse?) need to live on going forward, and that requires some consideration of what those future years look like. I very much valued how the plan showed how I would draw out money (gov. pension, various registered plans, company income) most tax efficiently.

[@annn8389]

I found your channel recently and I am stuck with you Azul! This is one of your best! A few items your brought up brought me to tears and I am determined to do something about them. Thank you!

[@josephstevens9888]

I love number 3... You be you... you've earned it! Number 4 is great as well. Azul, this is your best video yet!

[@michaeldeangelis1225]

Great Advice. Here are some more ideas: Get rid of your ego (i.e get over yourself). Be humble and vulnerable. Accept people for who they are and stop hating those who are not like you.

[@davegibbs6592]

Your ego is like that obnoxious friend who is always getting you in trouble....wish I ditched that guy decades ago.

[@michaeldeangelis1225]

So true. Problem is that guy lurks in the shadows. Oh Brother! Take care.

[@mikefialko2979]

I’ve been watching a lot of videos on you tube lately but some of your recommendations on one’s self are the best I’ve heard in a while. Thanks I will be watching your videos again.

[@mominthe209]

I’m soon to be 61 and I’m retiring with a healthy pension. I’ve worked in a stressful government health job. I had planned to stay until next year and also draw SS. My health started to deteriorate. I was getting weird shooting pains throughout my body and I couldn’t remember things. I even had an MRI on my brain. I thought it was stress and sure enough it was. I made my decision to retire and it’s felt like the right decision. I almost did a couple of years ago and glad I didn’t. I’m frugal and I look forward to cooking, cleaning and gardening. I can’t control the future nor can I fear it.

[@adamsimmons7646]

Hi everyone, I'm a business owner. I've been looking for some guidance on how to invest my money wisely and plan for my retirement.

[@malcolmdoyle5385]

I'm a professional. I've been working with *Robin Brezik* for a few years now and I'm very happy with her service. She offers customised solutions for every stage of life.

[@malcolmdoyle5385]

@caseymuller3480 Well, she provide an integrated service that covers all aspects of financial, tax, estate, insurance, and investments. She offers professional investment management that is transparent and accessible. She help you create a lifetime financial strategy that lets you live better today and make your dreams a reality.

[@malcolmdoyle5385]

@caseymuller3480 You can look up her name *Robin Brezik* and book a consultation with her online.

[@malcolmdoyle5385]

@caseymuller3480 You're very welcome. I'm glad I could help you find a reliable and professional advisor that can take care of your investment needs.

[@peppie0521]

The best investment is your own time and due diligence educating yourself. Vanguard has a comprehensive family of funds with the lowest expenses, managed by the best of the best. No fees for reallocating assets, and a click away when you want out(liquidity) or a monthly check. They also provide low cost trust services for self directed funds. The biggest problem with financial consultants is conflicts of interest, commissions and fees. Best way to make money, is don’t lose it.

[@dipaknadkarni62]

I am 63, retired as a Family Physician from the US Navy after 30 years in 2021. Your videos are great. I will subscribe tonight.

[@bseidem5112]

Stop saving. Stop spending on things that do not bring joy. Stop pretending. Be who you really are. Stop putting yourself down. Stop worrying. Stop over supporting adult children who can take care of themselves. Stop taking your health for granted. Stop taking your time for granted.

[@neomatrix6115]

Azul - great video. I could use some input. My wife just retired at 57, due to serious health issues. I quit work at 54 to help care for her. We own our home, zero debt, have ample finances saved and a good pension, and unfortunately our biggest expense is healthcare. She is my soulmate. Here we saved all this money, worked so hard, and she is clinging to survival. How do you live knowing EVERYTHING that is now important to you is out of your control? You live your entire work lives to get to this point of "freedom" and yet now I'm facing losing everything that means anything to me. I'm not whining, but just living in shock. Any advice?

[@neomatrix6115]

@Response_Team Hey, Azul. Thanks for the reply. I'm not sure I understand your message... Thanks.

[@l.5832]

I've lived very frugally my whole life. I have no living family left so I do worry a bit about funding my really old age but I am in my mid 60s now and am realizing quality of life is important, too. I still save but I am being a little easier on myself.

[@delmonicofarquhar9893]

Great video, Azul-- thank you! I agree with all of these points. Every one is relevant and liberating. These are life lessons that can be tough to incorporate into lifestyles prior to retirement, but should at least be thought about leading up to it in order to assure a more optimistic and joyous present that leads into an even more satisfying future. It's all about understanding what's important in life and learning from experience. Wisdom is meaningless unless and until it's built into one's lifestyle for the present.

[@RetireandGo]

This was a good list Stop worrying is an important one! Thank you Azul

[@markmarco2880]

Refreshing. Thank you. You know, Kurt Vonnegut (visionary fiction writer) once said, if I may paraphrase… The reason you are here is to puck around, and don’t let anyone ever tell you otherwise. Yes. To the pursuit of happiness, grateful to be free. Thanks again.🌿🐇

[@davidblack6413]

This video was you at your philosophical best, Azul. While there are excellent personal finance, investing, and retirement channels on KZbin -- some of my favourites are Erin Talks Money, and the Money Guys -- yours is distinguished less by metrics and formulae, and more by life wisdom as it's made accountable to finance (and vice versa). When we look beyond the numbers, what is retirement or any other form of financial thinking but a conversation about values and priorities ? Why and how we save, spend and invest is at a higher level a moral matter: about choices, the use of our time and energy, our capacity to think of our future self and loved ones' needs, and how we define our debt to society and nature. You remind me most of J.L. Collins and his The Simple Path to Wealth book's approach to money. I'd love to see you offer a book review of or reflection on that classic, insofar as it mirrors your style and thus provides a kind of foil to what you do here. From a fan in British Columbia, Canada.

[@markt4605]

Thank you for posting this piece Azul. Your financial advice is always on point, but this advice, I would argue is the most impactful.

[@widowcrypt]

I'll be 50 next year and I find that I take a lot of joy in finding wonderful places to walk in. Doesn't cost me anything at the moment, but if I can save money to walk in France or in a different culture, that would spark joy in my aging years. Also, sometimes adult children need help especially if their parents failed to teach them how to become financially stable. Of course, parents aren't really to blame considering most don't know how to become financially stable themselves because it isn't taught in school. I've struggled for years financially and still do, but it takes a real effort to find the information that will help with financial needs. No one wants to have a serious conversation about money and most are out to take advantage of you if you do find someone who is willing. Find someone you can trust to show you how to make and save money while letting it grow through investments.

[@fredMplanenut]

A few of these points go along with my attitudes, especially "regrets are wasted brain cells, bag it and move on!"

[@michaelthornburg2491]

Great advice. I agree with all. Its important to have hobbies too. I try to play guitar every single day and learn 2 or 3 new songs per week.

[@yaulkwong3775]

I am about 50 and I will do all. 1. stop saving, 2, stop spending money that don't bring you joy 3. stop pretending to be somebody that you are not... 4. stop putting yourself down... 5. stop worrying... 6. stop over supporting adult children that can take care themselves 7 invest that time and money in your health 8 stop taking your time as granted.

[@randymaizland6808]

I'm 53 hoping to retire at 60. My spouse and I have been together 25 years. She puts me down so much and makes me feel so bad about myself. We never work as a team. She doesn't support my retirement plan. Hate to say it but if I don't get out now, I'm never going to find peace and contentment in retirement. Seeing a therapist now. Tough choices and tough days ahead for me sadly.

[@daveo9844]

Don’t forgo your dreams. One life 💪🏼

[@carolineg3079]

The older we get the more valuable the time left is. Don't waste it

[@lynnmartz8739]

Does she know how you feel? If she does, and it doesn't matter to her, you should cut your losses and get out. If you're not happy in the relationship now, and there's no hope of change, it won't get better when you're retired. Better to be alone and in peace. Best wishes for you, and her as well.

[@jamesburkart3282]

You're not alone,so just hang in there

[@michaelgrabowski5140]

I think that this was 1 of your better video. Especially no 7. I got 3 types of cancer after truning 65 even though I was physically active. You never know how much time you have

[@faceinthecrowd5810]

Some positive advice, we all have been on a path and some paths require a person in their mid sixties to not retire. I am a self employed man that has been in the trades and has not earned enough through my career to sit back and not produce income, and so at 65 my challenge is to adapt many of the tips you have suggested while continuing to work through my 60’s. Finding gratitude everyday and accepting what I can not change while focusing on what I can change helps me to remain ok with my place in life. It is a difficult thing to watch friends and others move into a new chapter of retirement, reinventing themselves and being truly happy for them while that experience is not a reality for myself. There are many mental/ emotional tools I try to use daily in order to keep working along the path of physical labor that I’ve been on for about 45 years and I won’t lie being 65 and working outside 8 hrs is not like being 50 and it is not easy to know that others retired in their 50’s or at 63 while facing week after week of more work…..but those thoughts are exactly the sort of thoughts that point my head in the wrong direction. Loving my life for what it is and being happy that I have the ability to do my job while letting family, friends, and hobbies I love fill in the free time keeps my life rich beyond make retirement accounts. Lastly, my wife and I do have an “escape plan” from my indentured self employed path. We have a vision of how the shifting future will soften my schedule and allow more time for activities of my own without any worries, almost like what perhaps a retired person might experience. As many cultures and as many lifestyles will show, retirement is not a promised outcome to a working person. Finding joy is separate from money, from stability, from hardship, finding joy in life is attainable no matter one’s station in life.

[@shirley1413]

Faceinthecrowd5810 you summed up my exact situation on my life’s path,,, I work at a little fishing resort as a housekeeper, and am surrounded by retirees who did all the correct career choices,and are happy in their fairly early retirement. I am grateful that at,,66 I am strong and healthy and able too still work each day. I work everyday from May through October,,,and hibernate all Winter. My grandmother came from Scotland in 1920, through Ellis Island, as an indentured servant,, funny how similar our lives are 100 years later,,also similar problems in the world, poverty,wars, pandemics, politics, bird flu,,,History seems to repeat its self, and not always in a good way. I am always trying to work harder towards my goals, keep active and healthy, stay positive and grateful. Lucky for me I am in a beautiful place surrounded by amazing people and mountains. ❤

[@scarletwatson5108]

Yes I consider my part time mopping job at the art center as tasks of living in a self made blue zone. Thrilled I can still work;)

[@philf4086]

Azul - I like this video! Good topics, I could add a couple related ideas: stop unhealthy habits, and stop making excuses for your opinions/attitudes.

[@houndmother2398]

Amen to all of these. I'm not rich by any means and will probably retire at 70. But I've always been able to live within my means. I get more joy out of conversations with friends and taking walks in the woods than anything else. That's enough for me.

[@reebeeable]

This is your best video ever. It was hard for me to stop helping my sibling but she is managing and I have a more comfortable retirement as @ result.

[@mgcarr61camaro91]

Thank you for this video! You are helping many of us that are close to our last quarter of our time on this earth ! You are a positive person ! 😊👍🇺🇸

[@es2056]

I retired 5 years ago. I am with you on all of these. You hit the nail on the head. I follow all these and I have never been happier in my life.

[@mikarasila5740]

I really loved this,so much to think.I am 60 and retired and your videos support my way in many things

[@drp2007]

Very powerful, a lot of excellent advice in under ten minutes. Nailed it, Azul!

[@a.l.6176]

Food for thought. I need to stop worrying and stop saving. 😊

[@coettahannah3403]

Pray about everything, worry about nothing. Not always easy not to worry, but praying helps a lot.

[@simonlangmead7]

If you’re praying it’s because you’re worrying.

[@annarn6540]

@@simonlangmead7 maybe it’s partially true, but a lot of people pray out of concern for others. if that’s worrying I guess I worry.

[@MS-tm2yz]

What a lovely place you are at. Ive been the person I am for many years and I dont have any friends. I constantly worry about money I dont have.......Life sucks.

[@savanah1407]

Thank you for sharing your wisdom. In my thirties and smart enough to listen to those who have walked before me!

[@davdmoi]

Great advice. We never thought about this just worry bring paying about tomorrow. Never realize moment of time that you have left. Taking a day at a time. It just matter more or less each day. Got to let go some before you can pick up new some. 😢

[@coettahannah3403]

I'm 73 , try to eat pretty healthy gets lots of sleep up early and lits of exercise..but still worry at times. Good video.

[@DavidHenson-dr7ro]

So glad to have you back!!!

[@mkdy218]

I'm on board with all of this , just need to convince my lovely wife now .... and that's probably gonna take me a life time !! Great vid !

[@debbied8525]

This was one of your best if not the best videos you have put out. Definitely think #3 is a bull's eye. But stop worrying is us being in the future. We need to stay in the present.

[@williampaul8556]

Love # 3. Allow yourself the freedom to be wrong and flawed. Just be real. Boy # 6 is hard for me! I see your wisdom now. # 9- Focus on the blessings. Let go of what you can not control.

[@retiredandlovingit6007]

Great comments. I just recenly came accross you videos. Most retirement videos talk about the money aspect only. However, I love how you talk about the "living" in retirement.

[@jimreadey4837]

You said that these become more controversial as they go on, so I skipped to the end. #8 was "Stop taking our time for granted." Question: _What the hell is controversial about that?!_

[@Harley-ir4er]

These are all good points but unfortunately we often forget them and your video reminds us all to change gear again - Thanks for the reminder.

[@kristymoore7052]

Approaching 60 in 2 weeks. Returning to work tomorrow from a much needed sabbatical and have decided to return only to find my successor and work on an exit plan. Life is too short. I spent much of my time off camping, backpacking and enjoying family and the outdoors. All it cost was the extra fuel to get to these places. That is what I intend to do most of as long as I am able. I also need to work on not helping my adult children. Thanks for the great advise.

[@garyjensen3414]

Started working 62 years ago..I'm now 80..I was in lithograph the first two years..Then I became a Carpet Installer..In 1968 I became a FIREMAN..The whole time I was a a Fireman, I laid carpet on my days off..The money was great.I enjoyed power boats, sailboats, motor homes and nice cars..I water skied, snow skied and sailed..I am 80 years old now..I walk, lift weights and bike..I eat healthy (a little too much)..I am married (happily) and we spend a lot of time together..Money is not a problem, but people my age are disappearing (moving and passing on).I do daily crossword puzzles and play cards..Life is good...My motto: keep a healthy outlook.......

[@PN-ve9lf]

Instead of putting my self down I started look for ways to better myself in life. I think it okay to worry/stress I little bit here & there because we humans & it sign that we care. I stand to be corrected

[@lordbyron3603]

#2. I just bought a battery powered cordless EGO lawnmower for $1,000.00 😀😝 at Lowe’s yesterday. What a remarkable piece of equipment. A lot of fun to operate. I bought a brand new 2017 red convertible Fiat Spyder 7 years ago . To this day it continues to give me joy.