How To Retire In 2024 - Everything You Need To Know in 47 Minutes

[@bernadofelix]

You have some fantastic content on your channel. At 53 years old, my wife and I achieved a net worth of $1 million back in 2017. Fast forward five years, and it has grown to $2.4 million. Despite our combined annual salary of just over $100,000, we have adopted a frugal lifestyle. We continue to drive older cars, prepare meals at home, and make use of leftovers. Additionally, we have two children currently in college. Fortunately, we had saved for their college expenses, and they are contributing by working part-time. As a result, they will graduate without any student debt.

[@SandraDave.]

Right there with you. I'm retiring early, no debt. Kids are taken care of. Building my dream home on 11 acres, looking over the river valley. there are loads of ways to make a killing right now, but such high-volume near impeccable tradess can only be carried out by real-time experts.

[@hersdera]

That right, I started investing sometime in 2018 and by late 2021, I pulled out a profit of over $750,000 with no prior investing knowledge or skill, I was basically just following the guidelines set by my financial advisor, so you don't necessarily need to be a perfect investor or do the hard works, just have a professional who guides & mentors you.

[@brianjarvis313]

Well done!

[@ItsEverythingElse]

Curious how you increased your net worth by 240% in 5 years, 3 of which were really bad in the markets. Must be your house value. Might want to sell before the housing market collapses.

[@brewmansports1313]

What to do about healthcare expen$e$? Only 55 yo

[@DoubleTFishing]

Turning in my 90 day retirement notice this week!!

[@G.R.CrowderJr.]

You go!!!!!

[@Riggsnic_co]

More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.

[@TheJackCain-84]

The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.

[@martingiavarini]

This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000

[@bob.weaver72]

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

[@martingiavarini]

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

[@bob.weaver72]

I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.

[@johnlennon232]

I just 30 this year and have just under $40k in my own 401k and another $10k between my other retirement accounts. My wife has about $41k in her retirement accounts (she is not currently working). I currently make close to $63k a year. I only do 5% though to my 401k for the company match and another 10% of my income is split between an HSA and a ROTH IRA

[@alexyoung3126]

51 years old. I have $295,588.25 in my Fidelity retirement account. I cranked my contributions up to 35% and I do all the investing on my own. Fidelity just holds my ETFs/stocks. I made that change earlier this year. I'm hoping to end the rat race by 60 but it's looking more like 63-ish. I want to have $1.5M and bring in about $60k in dividends each year. Pedal to the floor! Thanks for the video. Great content.

[@jessicamoore3093]

As a new investor it's always great to hear from a person who has gone through all the difficult times and come ahead of it. What are some strategies i can employ to be successful?

[@jessicamoore3093]

Thanks for sharing this. I curiously searched for her full name and her website came up top search. I looked through her credentials and did my due diligence before contacting her. Once again many thanks

[@Dimka2012Bo]

Good job buddy, try to increase the contributions. You will thank yourself when you’re 40-50-60

[@Dewey500]

I’m retiring at 55 on Jan 11th 2024. 29 more actual working days.🥳

[@toby9999]

For me, I'm hoping by May 2024. I'll be 65.

[@Rottingboards]

I'm retiring at 56 on Jan 2nd 2024. I raise a glass to getting back our own thoughts and ideas. To owning our time. 🥂

[@jwall62]

I'm going on the 10th, 25 more work days. It's going by quickly.

[@WallyDawg]

whatever🧐

[@jwall62]

@@WallyDawg you must have replied in the wrong thread

[@SteveDutton-v]

The retirement crisis is going to get worse, in my opinion. Many people are unable to save due to high rental costs, inflation, and low-paying occupations. They also won't have a house to retire to because middle class Americans can no longer afford to buy a home.

[@PASCALDAB]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment

[@SeanTalkoff]

you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited $560k in 2023 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.

[@Tonyrobs2]

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

[@SeanTalkoff]

'Sharon Ann Meny' is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment

[@Tonyrobs2]

Thank you for the recommendation. I'll send her an email, and I hope I'm able to reach her.

[@Rochelletrem]

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

[@Jessicahensley.]

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

[@AbdoolLogodesign]

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

[@ilyaveysman.]

@@AbdoolLogodesign Hey, this caught my interest. I worry that I have a couple more months before retirement, can you share more info?

[@AbdoolLogodesign]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with ‘’JULIE ANNA HOOVER’’ for the last five years or so, and her returns have been pretty much amazing.

[@ilyaveysman.]

@@AbdoolLogodesign 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 résumé.

[@dylanmoris6211]

People who are able to retire early are lucky . I have 15 months till 65 and need to look at calling it quits, my only fear is running out of funds much later, thus keen on investing. What could be the safest possible ways to invest for cashflow, in order to afford lifestyle after retirement?

[@KelvinWallace]

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

[@grownmantravels]

Rent out rooms in your house

[@analogguy5548]

I retired at 66. Shortly after retiring my former employer asked if I could help out by returning to work, full time, for “a couple of weeks”. The project was related to my previous employment, but a new, and very interesting project. Well, the couple of weeks turned out to be more than “a couple of years”. I finally did retire at age 71! Loved every minute of my “second career” - so grateful I was given the opportunity to continue working on an interesting project with great coworkers.

[@Johnny-se8hk]

I’m taking the hybrid approach; VOO and SCHD as my foundation with growth like MA, UNH, HD, O and PEP. I have a 20 year time horizon, and the best part is I still enjoy my life while doing this, touring and buying things I love. I appreciate the small victories so far, but aim for more.

[@iam_maryanne]

smart move, recently moved out of a couple positions and kept about the same dividends, but ideally you can simplify things with the help of an advisor and still make a big killing

[@marlene_orja]

@@M.Morgan quite a huge return! wonder what makes up your wheelhouse, been debating on growth stocks to buy and could really use a help at this point of economy instability, would you mind connecting me to your fin.adviser please?

[@M.Morgan]

@@marlene_orjaCan't divulge much, my portfolio is overseen by a Montana-based wealth advisor ''Katherine Nance Dietz'' she's well-qualified and established, you'd most likely find her basic info online.

[@Castro-worldbravest]

​@@M.Morgan just copied and pasted her full name on my browser, found her site first thing and skimmed through her credentials, no doubt she seems extremely professional... thanks for putting this out

[@heidikamrath1951]

SCAM ALERT

[@JB-by8tw]

You have some great advice. I'll be 55 (my wife will be 53) in June 2024 and am thinking about retirement. House is paid off, and both of us have healthy 401k accounts. One of the things you said in this video that hit home was you'll be happier and enjoy retirement if you retire earlier while you are still active and healthy. Sticking around on the job to add funds to retirement may not work out if you aren't healthy/active enough to enjoy the extra "fun" staying on the job too long buys you. I also like, "one house, one spouse". This describes me and my wife 100%

[@StevenHeinlein-d7s]

I have retired at 57. Currently living on 3000/month pension & lifetime benefits. And both a regular IRA and a Roth IRA.

[@mindcache5650]

My thesis is this: If you really enjoyed your childhood playing and studying ( with no money at all apart from a few bucks pocket money ) and like me, you really enjoyed your student life ( with no money ) . That’s 22 years with next to nothing with a few clothes and food with great friends, then you shouldn’t fear retirement ( if you have no debts). You don’t need more of anything ; apart from the essentials.

[@MargaretMargaretKarjala]

Real estate investors losing money is music to my ears. They are a major reason why the real estate market is the way that it is now.

[@KatyMccullars]

Actually, you can blame the Fed for manipulating the market by keeping interest rates artificially low for the last decade. They created this mess and now there's no way to fix it without completely crashing the market. And I'm OK with that.

[@MargaretMargaretKarjala]

You can also blame the Fed but most of it goes to those investors that have made life difficult for the 61% of people that are living paycheck to paycheck and can’t afford to buy a home because of these investors that gobble up the properties and jacking up the rent and buying price for a home. That’s BS.

[@KatyMccullars]

He's mainly talking about CA real estate in the Bay Area for this video. Many real estate investors in other parts of CA, and even other states, are still doing well. In CA, I'm sure the lack of supply to meet demand, rising construction costs, extremely long process to approve housing projects, and high property taxes are just a few things causing high housing prices in the state. It's bias to just use real estate investors as the scapegoat to "a major reason why the real estate market is the way that it is now".

[@MargaretMargaretKarjala]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment

[@sandra65823]

Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with this person.

[@pofungwong1814]

Very thankful to receive your views about life, health and time. I should play more with my four grandchildren from now on. I am 66 but but scared of retirement and wake up and don't have much to do.

[@davideberhart9523]

Would love to watch a presentation on the five most "must reads" in/before retirement.

[@scottamcfarland]

Me too

[@con17guitar]

Great video. At 56 years old I am retiring at the end of May 2024. I’m planning on getting a job as a school bus driver PT to supplement my pension to not have to touch my savings.

[@danielcarr1406]

Yes, I would love to hear from you on the 5 seminal books you think folks should read about retirement!

[@LoveLightVibration]

🗳 Yes vote from me, too!

[@RichardEvans-rz6kg]

Love your channel! My wife and I retired at 56 and 57 and are able to cover all of our expenses from interest earned on fixed income.

[@pb25193]

I'm 30. I just watch this channel to have conversations with my older self. Thanks azul

[@Rufina-ov3ln5666]

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.

[@BerniecePiette445]

how do I get in touch with this consultant that assist?

[@Lida-sh6ee6667]

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

[@BerniecePiette445]

Thanks for the info . Found her website and it really impressive

[@CatherineCarol]

Can you do the video on the 5 books you recommended? Your advice has given me new thoughts about retiring earlier and the dangers of postponing. I am also considering letting my husband retire earlier rather than later than planned as you mentioned 1000 weeks after mid 60s for Men. Have to make the most of good years together

[@tomtrotto6922]

Love your walk & talks. Would enjoy knowing where you are when you’re walking!

[@robb8773]

Thanks Azul! I just ran an on-line Monte Carlo Simulation and have a 96% chance of not running out of money over 30 years!

[@CormacNJ]

Have to mention the spouse's health also. I (male 66) am active and healthy but my wife (65) began a serious health issue at 65. You never know what's in the future for you and your spouse.

[@LarryLlodra]

Please to provide five most important books to read before we retire. Thanks

[@carolynkeene5444]

Absolutely love the advice about simplifying spending-had never considered just going out for dessert

[@outdoorsman1140]

It can often be much cheaper to take out a life membership for member organisations and apps etc. rather than monthly or annual subscriptions, particularly if it is something that you will continue to use for many years to come.

[@kenblanton9726]

You are the most reasonable advice provider I have heard. Thank you.

[@Rottingboards]

Thanks for talking about the touchy feelies of retirement. It is really helping me. 56 days left....

[@AzulWells]

Wow ... 55 days, year end? Congratulations!! Azul

[@Rottingboards]

I'm a little off on my days. LOL 48 days left! 12 working days!! Using up those vacation days! @@AzulWells

[@ericklou2013]

Love to hear your videos Azul. I’m about to turn 50 and I feel blessed so far about perhaps retiring in 2-3 years. Listening to your videos keeps me educated about the decision. Thank you

[@greghanger832]

Love these videos less than 1/2 mile from where I grew up. That hill used to be an old farm house, many winters sliding down it on saucers, and years later ripping around that unfinished park on mini bikes.

[@andrewconnelly4893]

Great vid - thanks for the information and context. YES - like to see the video on the top 5 books to read before retirement. We have found you very insightful as we start to plan our retirement years - - and are trying to plan on how we can speed up the start of retirement.

[@thecollegedean]

Love the idea of retiring before 65....I'll be turning 65 in May of 2024. I really think retirement is a different journey for everyone. I've set travel and lifestyle goals and I started late in a state pension. So, working full-time until 66 or 67 seems ok for me.

[@pilauopala843]

One of your most important points: money is a tool. I also forget this sometimes. Money, in and of itself, is not the goal. It's the potential in what you can do with it. People get caught up in the accumulation but don't have concrete idea what they're going to use it for, or worse yet don't use it to enjoy life or make life easier.

[@freijyalocaylocay139]

I plan to retire in 2 years , I'm 57 now, , thank you for your encouragement

[@stevegutierrez9250]

Retired at 55 due a few good investments and came across this searching for drawing down IRA videos...... thank you!

[@kryz9875]

Great channel! A family friend retired at 70 years old and he had a financial adviser. Most financial advisers who make 2% off the portfolio would want their clients to work longer. Some people that I know who worked past 65 years old even if they have at least $2M in their portfolios just cant’t stop working because they enjoy seeing their money grow. So keeping greed in check is part of the decision of when to retire is the challenge for high income earners.

[@Rottingboards]

Additional skills and education makes all the difference. I too got a G.I. bill to help me increase my education.

[@CatherineMoore-y3e]

You have made me so excited about retiring! I wish I'd have found you sooner. I was guilty of "work one more yearitis"!

[@PorscheSpeedster-kz6nc]

A great compilation of older videos. Thank you Azul. I have been recommending your channel to our friends.

[@stevedice5963]

@@Azul....__ scammer. Azul never asks for texts.

[@explorewithsteggie1913]

2005 Toyota Sequoia and 2017 Acura household. Both are going strong and payment free.

[@kathysheeran6589]

Thank you Azul. Great advice. The health part about enjoy it -1000 healthy weeks if age 60 or more. I’m letting that sink it. ❤️❤️

[@stephenbryant3721]

Please do reviews on the books you recommend. ❤ your videos

[@angelscreation1]

I just found your channel and I am finding your videos extremely helpful. I am a 61 year old teacher. I’m planning to retire in June of 2024 with nearly 25 years teaching. I’d love to see you do a video on retirement at 62 for a single individual with no children, who has a pension coming in at retirement. So many of your videos talk about having one or two million dollars in investments and savings. I am assuming that doesn’t include a house since that money is not liquid. How much do you need to have saved if you have a pension coming in. That one to two million makes me nervous.

[@Batmangermany]

I’ll be retiring next August at the age of 53. Can not wait.

[@grownmantravels]

Travel the world during your retirement 👍✈️

[@davidbobo9740]

I worked the Tiburon / Sausalito boat run for years . Greatest job I ever had . Angel Island too on Sundays with 600 people .

[@mmaranta785]

Red and White fleet from pier 43-1/2? That was in the 1970’s

[@hellsfro]

5 top retirement books, yes please!

[@rottiek423]

Please do a video of the 5 books you should read before retiring

[@ianmcne5727]

Another great video! Thanks for keeping it real.

[@greensombrero3641]

5 books yes Sir count me in

[@jdjiang67]

Very insightful sharing ❤

[@DHawkman]

Absolutely agree with saving 20%+ for retirement. We have saved over 30% including employer matches for the last 20+ years….and 10+ years at ~10%-20% and still not at target. One more full year and potentially another partial year part time and 62-1/2. Enough is enough! Call it a career

[@Casey-summer]

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

[@lilyhershey1]

Rising prices have affected my intention of retiring at 62, working part-time, and building my savings. I'm worried about whether individuals who weathered the 2008 financial crisis found it less challenging than my current situation. The stock market's volatility, coupled with a reduced income, is making me anxious about having enough for retirement.

[@Gallo-firestone]

I completely agree; I am 60 years old, recently retired, and have approximately $1,250,000 in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!

[@Buffet-walton22]

​ *@donaldsimeon* That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?

[@Gallo-firestone]

The decision on when to pick an Adviser is a very personal one. I take guidance from “Gertrude Margaret Quinto” to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.

[@disney-hefner]

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

[@richardl.macklin7777]

Azul ~ You have a great KZbin channel; just wish I saw you 10-20 years, ago!!! Now at 76 yrs old (today, 12-10-24); but, so very blessed with a Pension (however, NV PERS); but, again ~ one of the best funded in the U.S.! Anyway… keep up the good work!!! You are helping so many people~ and, I’ll be watching All your videos!!! Blessings, always! “Mac” Ps: BTW, we’re in the Upper Middle ~ Net Worth!!! And, have a good emergency fund (Dave Ramsey); in addition to some Monetary Metals Savings! THANKS, AGAIN!

[@susanblack3485]

New to your channel and have binge watched a number of your videos. Thank you for your honesty and great advice. A video on the five seminal books would be great. Meantime I’ve ordered Die with Zero and Strength to Strength. Thanks for the recommendations. I am in the UK near Liverpool and have subscribed so looking forward to watching more of your back catalogue and watching your new videos. People like you give so much to people like me who are in transition mode to retirement. Thank you.

[@helomech1973]

Love your videos, thanks for posting them. I just turned 50 and plan in retiring 1-1-28

[@RuffLife-eh3jv]

Thank you Azul , your name is awesome,I’ve never heard it before, mostly I noticed you are so happy and I try to make every one I see or meet laugh even if they don’t want to changes the mood every time?!!! So I’m glad I stumbled on your site! Because my wife and I are about to retire and hope to finally enjoy the short time left of so called long life? Thanks Mike

[@RuffLife-eh3jv]

@@Azul....__ I’m extremely busy to move my father in law to asstited living at this point,can I get back to you soon???

[@RacerX1672]

Thanks Azul! My wife retire last week and I will be retiring in June. The information was helpful. A podcast related to the top 5 books would be terrific. 🏄‍♂️🤘🙏

[@stevegordon5243]

2.5 years ago I was forced out of my job due to layoffs at age 56. I decided I was not going to look for another job and essentially retire. My wife is still working and has provided us with income and health insurance since then. She is now 57 and is retiring 12/31/23. We have been working with a financial planner for the last approx 10 years or so and have been assured we have a 98% success rate of outliving our retirement funds. We are so excited to be able to do things we've wanted to do for years. That is a great feeling and I highly recommend working with a financial planner.

[@AzulWells]

Congrats on making it to your goal. It is not easy to do. I wish you and your wife a wonder & joy filled retirement. Congrats! 🎉 Azul

[@michaelmedina5825]

I just want to say I watch all your videos and want to tell you I enjoy and appreciate your advice. Thank You, your advice is very comforting.

[@jimv77]

I am only 46 years old....why do I regularly watch Azul 25:57

[@didilu525]

Love what you shared with us, like your daily life style! Thank you!

[@dbanka471]

Very helpful..you are doing a great service providing this quality content….you raise a lot of points to think about…..Personally, I am nearly 65 …house is paid -but i hope to live there until I die & have no other debt…saved few Million in retirement investment accounts and another 500k in non retirement investments…yet, I don’t feel comfortable -not even close…i often stress over the finances and am regretful that I didn’t manage to save more….we are reasonably frugal-but I don’t feel it is nearly enough to retire and without financial worry …..btw, I read the book die with zero (and hated it) ….despite his arguments to the contrary, I think his approach is selfish….

[@lilibethvilella]

Such invaluable insight & that SUNSET 🌅 ❤!! Hi from Fort Lauderdale

[@H2R5GSXR]

Happy belated Veterans Day Azul. I wonder as I consider us lower middle class and we have $115K in pensions and 1M each in 401K. Just a frame of mind I guess. We lived by the spend less than you bring home concept and still do.

[@AzulWells]

Happy belated Veterans Day to you as well. You've done a GREAT job preparing for retirement. Congratulations. Now be sure to take full advantage of all that hard work and sacrifice by fully enjoying your retirement! 😎 Azul

[@narcoosseefl]

This is all very timely for me. Thanks for sharing your thoughts.

[@H2R5GSXR]

We have enjoyed 624 weeks since retiring in 2011 at age 52.

[@AzulWells]

That is awesome! 12+ years of retirement and just now your at the age when most people retire. So glad that you took full.advantage of what I call The Youth of Your Senior Years™

[@billrussell569]

Thank you for all your videos! You have taught me a lot over the past year. I am almost 62 and I am retiring at that time. I am cool with a Monte Carlo simulation that tells me I have an 80% chance of success over the next 20 years (after 62). Pareto Principle. People need to also consider the possibility that there could be a paradigm shift within 20 years of their retirement in terms of the stock/bond market. Thank you for all your videos!

[@danking8412]

Thanks Azul. I'm working my way through the "Book List", 2 down so far. Planning to retire in 18 mos @ 63. Thanks for helping me plan and consider what is ahead.

[@RetireandGo]

Outstanding! I wish you the best on retirement 63 sounds just right ! And travel plans?

[@rnarzu]

Just sharing this with my friends and family

[@josephjuno9555]

Nice Beach! I have $350K IRA but rent small apartment so no Home equity.

[@oliverw3646]

Your videos are very enlightening. Thank you.

[@randypayne8000]

Wonderful information. We also live in Utah. My wife and I look forward to your videos. I’m Almost 62 wife is 60. She retired from teaching and quit after first year of Covid. Keep it up for all of us out there who are trying to figure this stuff out. Best wishes.

[@AzulWells]

Thanks Randy. Tell your wife thank you for her years helping the youth of Utah learn and grow. Its a rewarding career but a tough one. I'm glad you are both able to reap the rewards of all your hard work and sacrifices. Go Utes!! Azul

[@4mmorrisfamily]

I find a lot of value in your videos, thank you!

[@rebeccabelflower7767]

Thank you!

[@DS-nm1us]

Hi Azul, I would love to watch a video of your top 5 seminal books. Thanks!

[@goodinplenty1]

Love the channel, thanks for sharing the valuable information!

[@IlonaJosiane]

Great video! Some key points were highlighted that I hadn't heard anyone else discuss. Thank you!

[@kristaldriver]

Thank you for your videos!!!

[@sweetcello3358]

Would love a book recommendation video!

[@edcucchiarella7994]

Thank you for this video, much to think about. Yes on a review of the recommended reading.

[@H2R5GSXR]

I commented as I watched and the last segment was best. How to live and be happy on your income. This was a great video, Thank You. I have a closet of shirts I have not needed for years. I think I need to put them in a box for memories. Great Advice.

[@DonK-g2r]

😊 very helpful thank you!

[@robertreynard2916]

What branch of service did you serve, Azul?

[@geralddegrace8727]

I love watching your program. I for one fall into the trap of one more year. I am turning 65 this year and there will be no more one more year. I watch your show to get tips on how to think about retirement and how to change my habits. Just this year I sold my 6500 sq ft house and am moving to a 3400 sq ft house. I am finally thinking of retirement as freedom and potentially the best years of my life. I hope you reach 100k subscriptions by June of this year or earlier. Maybe that will actually be your retirement :-)

[@rnarzu]

Recommend 5 books- yes please

[@WSallai]

@Azul Yes, we would like to see a video on your top 5 books! Unfortunately, I encountered a divorce which altered my retirement plans. I figure that I can retire about 5-years after I die. Anyway, I reach full-retirement age (67-1/2) in April 2024. I only have $125k in retirement and have been thinking about to either putting off retirement until 70 or drawing Social Security at FRA and continue to work. What do you think? Subscribed and liked your video.

[@bsetdays6784]

I've been diligently working, saving, and investing toward financial independence and early retirement, but the economy since the pandemic has eaten up the majority of my $3 million portfolio. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?

[@roddywoods8130]

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

[@cloudyblaze7916]

I stopped listening and taking financial advise from these KZbinrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, In reality, all I needed was professional advice.

[@selenajack2036]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@cloudyblaze7916]

@@selenajack2036 I’m a contractor, and my job doesn’t permit me the time to properly analyze my holdings/evaluate stocks myself, so I’ve had a fiduciary " MRS MARISOL CORDOVA " actively restructuring my portfolio for the past 7 years now to match the present market condition and that’s how I’ve been able to stay afloat, knowing when to buy and sell…maybe you should do the same.

[@hushbash2989]

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

[@blainer69]

I don’t ever hear you talk about reverse mortgages. I’m in Canada and hear about it all the time. Just was wondering about your opinion on that.

[@petelipson3769]

Thanks for the information. Well thought out ideas.

[@wadeharmon1539]

Fantastic video!

[@xlerb2286]

Well, I'd say you've convinced me. I was planning on working till 65. I got started late due to working in a family business (lots of good memories, not so much money) so for me that was like a normal person being able to retire at 55. But now my plans are to retire sometime next spring or early summer at 63. Winters are nasty here so no reason to retire any sooner.

[@AzulWells]

I agree about retiring in winter. My wife retired on the first day of spring 2022 ... that was a great way to do it. Congrats on your upcoming retirement!! Azul

[@jwall62]

@@AzulWellsI love the cold weather up here in New England, I'm retiring January 10th and have a winter campsite reserved until April!

[@tarikviaer-mcclymont5762]

Wtf 300k for healthcare, glad I'm watching this at 39

[@jwall62]

@@tarikviaer-mcclymont5762 a thousand a month for 30 years

[@xlerb2286]

@@jwall62 Good for you! I hope you have a blast and it's the start of a long and happy retirement. It'll be -25F or so here in January, so I plan on "camping" out in the house and not leaving it until April - or May ;)

[@wilsonjudson1650]

I'm not kidding when I say that the market crash and high inflation have me really stressed out and worried about retirement. I've been in the red for a while now and although people say these crisis has it perks, I'm losing my mind but I get it Investing is a long-term game, so focus on the long run.

[@yuikiyoshi1248]

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?

[@AimiHiroshi]

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

[@wilsonjudson1650]

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?

[@AimiHiroshi]

Definitely! All of this happened in less than a year after *STEPHANIE KOPP MEEKS* told me what to do. I started with less than $100,000, and now I'm about 18,000 short of having a quarter million dollars!

[@wilsonjudson1650]

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

[@RoboKat007]

Thanks Azul. Great retirement related content and my wife and I have enjoyed your sage advice. One thing however, we've not seen from you (maybe you do have a vid we havent' found yet?) Is on the topic of Health Care and Part time work if you DO want to retire early. We feel like we need to keep our jobs eventhough we probably have enough to retire. BUT we would want the safety net of Health Benefit coverage to cover the gap until we are 65 and eligible for Medicare. ie: Do we quit and keep Cobra safety net for 18mos, go with Private Ins, or ACA? This issue keeps many (including ourselves) to fear getting hit with a problem and no Health Care coverage. A serious unexpected health issue could wipe out your retirement plans - which is a real concern eventhough we are in good health now. Pls comment when you can. Thx -T

[@Washie_DukeOfGokwe]

I retired at 55 on the 30th June 2024. I havent been happier and more UNSTRESSED

[@SoCalLAKid]

Azul, you came from a humble family and background yet seem to have done well. What do you think of the "American Dream"? Do you see yourself as a living example of it? Maybe you can do a video discussing this topic.

[@davidfrancisco5358]

Thank you for your to the point fabulous advice

[@billwou812]

May 24th 2024! My 57th birthday I will be retired.

[@stevedice5963]

@@Azul....__ scammer

[@toby9999]

​@@stevedice5963What?

[@stevedice5963]

​@toby9999 Azul gets scammers posting on his videos asking that we call a phone number. Looks like youtube removed it after I reported it

[@jwall62]

Jan 10th 2024 for me!

[@AndySandyBe]

Congratulations 😊

[@haiti-pv5cq]

Given my situation-having funded my daughters’ education debt-free, paid off my mortgage, and with a six-figure income and significant investments primarily in an IRA-how should I gauge the amount needed to retire comfortably at 62? While everyone’s circumstances vary, I’d appreciate any insight on what a solid retirement fund might look like, especially since you mentioned that many retirees have a net worth of $250k. Would having a larger savings base make early retirement feasible in my case?