Spend Sooner Rather Than Later (6 things to spend $ on in retirement)

[@juliesmith6228]

Fantastic advice! I lost my husband in March to cancer, he was only 52. Honestly, enjoy EVERY day because >>quality of life

[@rightwingprofessor1356]

1. Two Cars (One for fun) 2. Things on your bucket list that require more strength or mental acuity 3. Hobbies, passions, or things that give you purpose 4. Investing in your health, both mental and & physical 5. Staying connected yo family, friends, people that love us back 6. Invest in continuing to learn...books, courses, something you are excited about learning 2 Bonuses 1. Spend Money on yourself in entertainment...concerts, eating out etc. 2. Remodeling or home improvements to your home. Good Stuff Azul!

[@sharonwinson-m8g]

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

[@tatianastarcic]

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

[@JacobsErick-u8r]

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

[@nicolasbenson009]

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

[@JacobsErick-u8r]

Melissa Terri Swayne can't divulge much. Most likely, the internet should have her basic info, you can research if you like.

[@TinaJames222]

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.

[@LesterHess-t1x]

I am in my fifties, and now is not the time to reduce my retirement funds. In addition to maximising my retirement contributions, I also want to put an additional $200,000 in a non-retirement savings account. Where should I put my money right now?

[@wmwoods-l4f]

I believe that diversifying investments is the safest way to deal with it. They can lessen the effects of a market crisis by distributing investments over other asset types, such as bonds, real estate, and foreign equities. It's crucial to get professional advice.

[@j.ottinger]

Until their own emotions burn them out, many people minimise the function of counsel. A few summers ago, following a protracted divorce, I needed a boost to keep my firm viable. I looked for licensed advisors and found someone with the highest qualifications. Despite inflation, she has helped me increase my reserve from $275k to $850k.

[@karitanaw]

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

[@j.ottinger]

Annette Marie Holt is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@karitanaw]

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

[@asprelskcalling1151]

I am quite frugal, but own a Porsche 911 turbo, and use it everyday. That my fun in life. The car gives my a lot of fun. Camino de Santiago is almost the best thing I have done in life. Starting Via de la Plata, from Sevilla to Santiago, a two months walk from mid April next year. Two month witout working, without pay, but it is worth it. Do the things that give you quality in life🙂

[@stanforth2756]

My thoughts are: don’t put things off for later, you never know how much later you have. Great video.

[@mydressmemos]

Hello, I am due for retirement in two years, I'm a senior citizen but I'm curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $50K per year but nothing to show for it yet.

[@LUCIASMITH-d1z]

In this current unstable markets, It is advisable to diversify while retaining 70-80% in secure investments. looking at your budget, you should consider financial advisory.

[@tatianastarcic]

I think you're better off with majority investment in S&P500 and uprising equities cos they always outperform. Also speaking with an advisor can help with pointers. I've been in contact with one I reached through commentaries here, she has been really helpful.

[@JacobsErick-u8r]

I'm thinking of trying out an advisor, how can one reach a decent advisor like the one you use?

[@tatianastarcic]

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

[@winifred-k9e]

Thank you for the information. I conducted my own research and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call. Her expertise is impressive, and I'm eagerly anticipating our conversation.

[@vincewalburn4506]

Our fun car is our '64 Pontiac GTO. Just something about a 60 year old car to help you de-stress and relax in our beautiful country.

[@thomasrudy6132]

Almost two years into my retirement, I went to England for two weeks to celebrate my birthday. First time ever in Europe, not cheap, but worth it. So glad I said yes, got to go!

[@jeffDwyer1]

I am currently in my 50s and This is no time to taper retirement savings. I want to max out my retirement contributions and I also have another $200k in a savings account that i want to invest in a non-retirement account. Where should I invest it now?

[@Amberabove]

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert

[@Aarrenrhonda3]

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.

[@Rachadrian]

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

[@Aarrenrhonda3]

Annette Christine Conte is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@Rachadrian]

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

[@maureen149]

Discovered your videos yesterday and have now watched several. So refreshing to watch and listen to someone who speaks to the "human" side of retirement instead of it being just about a certain dollar amount. Also, I walked the entire Camino Frances this year...one of the best adventures I have ever undertaken and planning more :)

[@glennhaueisen4433]

Great advice, practical advice. When you retire there are three phases of retirement; your go-go years, your slo-go years and your no-go years. Fortunately, we will have the same amount of money coming in each year of our retirement so spending more now on our bucket list travel makes sense. Later, when we are restricted in what we can do physically and/or mentally we will not be spending as much. There is no need for us to save for the future, we are in it. This is al thanks to great financial advice, planning and saving in our productive years.

[@patagualianmostly7437]

" There is no need for us to save for the future, we are in it. " Best advice ever. 'There are no pockets in shrouds' was a saying when I was young: Just so true.

[@cintikevin1]

I bought an e-bike a couple of years ago. One of the best things I ever bought. I ride it WAY more often than a would a regular bike. It's super fun. I ride it longer because riding at 18-20 mph is way more fun that 10-12 mph. Plus I'm still getting out and getting exercise. I look forward to it because it doesn't feel like a "workout." It's more like an amusement park ride. Highly recommend getting one.

[@mikescooby7625]

E bikes are not a joke. They make riding bikes fun again. 61 year old kid.

[@allenchapman176]

Azul, really good stuff. I am 69, retired 2 and a half years ago. I continue to enjoy several hobbies. I am a league bowler, enjoy bass fishing, and ride a motorcycle. Spouse, hobbies and friends are super important in retirement.

[@robertjmckinley]

Great to hear you recommend the Camino! I am 75 and did the Camino Frances (500 miles) in April. Great walk and didn’t spend too much!

[@sctexan5392]

With my wife recovering from her second cancer, screw it, we're going to see the world while we can, costs be damned.

[@MJ-hl1kk]

@sctexan5392 That's the spirit - may you and your dear wife have every good thing going forward!

[@dahokas]

So glad you did that. The worst thing for retiree is not to spend. We are so used to save, we are so fearful to spend. It does not mean that you are not responsible, but we need to learn to spend money in retirement, including helping our kids who are in need.

[@maryannpiccirilli454]

Prayers for you and your wife❤️. My husband has had MS for 30 years and is now facing possible prostrate cancer diagnosis. We travel as much as we can and want to enjoy ourselves while we can. My oldest sister thinks we are crazy….i mean hubby already has had one heart attack so live it up now, right?

[@sctexan5392]

Correct, we're not going to put ourselves in the poor house, but we are going to enjoy life...while we can. I retired early after several of my friends died unexpectedly.

[@maryannpiccirilli454]

@@sctexan5392 same here….have a great retirement

[@duncang7372]

The “cost of a new car vs a divorce” really resonated with me, as did the advice to continue learning - I’ve had “Quantum Mechanics for Dummies” on my shelf for a few years - I intend to have a real good go and take notes like a student! This is in a couple more years, when I eventually do retire…

[@PalangatVela]

Retired at 64 after a career in the military and Federal government and private firms. Nomad seven months a year traveling internationally…walked the Camino Santiago twice and the Italian section of Via Francigena… no regrets at 73 and still going.

[@uvalera]

You have provided sound and most meaningful money management ideas I’ve come across with in retirement, EVER! Thank you so much!

[@RetrieverTrainingAlone]

We are retired in Montana. We have 2 cars...a 2010 pickup truck and a newer Subaru. The Subaru is great for long mileage road trips while the old pickup is good for hauling sheetrock/plywood, plowing snow, etc.

[@sueschoers4974]

Enjoying retirement and love having the money and time to renovate and redecorate my home. Im taking my time, learning about interior design and am looking forward to having my home reflect my taste.

[@PASCALDAB]

My original retirement plan was to retire at 62, work part-time, and save money. However, 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.

[@viviancarolgioao]

I’m 77 and still working full time. I do enjoy my work, it provides me with purpose and has secured my financial future. Most people are too eager to retire as early as possible. Even if you do retire early, best to get a part time job for the reasons cited above, as well as following many if not all of the suggestions in this video.

[@Tonyrobs2]

Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.

[@SeanTalkoff]

@@Tonyrobs2 Mind if I ask you to recommend this particular coach you using their service?

[@Tonyrobs2]

Sharon Ann Meny, is the licensed advisor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.

[@SeanTalkoff]

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.

[@audyfordy549]

We live in a Northern English city where there is no need for a car because we have excellent ( free or cheap) public transport systems. However we spend our money on Theatre, Concerts and Cultural Events .

[@PerryP649]

love the car message! no one else is really saying this. i saved for and bought my fun car last year and plan to retire next year. That was all part of my plan - to get my dream car before retirement. insurance is costly so i store it in winter to save money and drive my other car(s).

[@AAWagner]

I bought my dream car, a Jaguar XJ8, for my 50th birthday. It was just two years old but almost 50% off new. Drove it for close to ten years. Loved that car. Now driving a 10 year old Toyota I bought new. Get your dream car but do it sooner.

[@gscott5062]

Some of us retirees are perfectly happy driving 'practical' cars. I have a boring 14-year-old car that has plenty of room for my bikes, my skis, or all the other fun toys that I own.

[@MizMundoAdventures]

This is so sensible! So glad I started investing in my hobbies and my health when I was 35. Bought home gym equipment to workout at home, DSLR camera for photography (which now earns me considerable income), rental properties, traveled a lot. Now everything is so expensive I wouldn’t have been able to afford them now.

[@jamesgerboc]

67YO. Retired at 60. Spot on in every way. Purpose and learning are particularly important aspects. The car was a given!

[@ManuelaRaviglione]

Love this advice! Really resonated with me on many levels. Thank you.

[@davidpoffenbarger3686]

I very much agree with spending some of the money you've spent a lifetime to save. Between my wife and, we have 3 cars, 3 boats, 2 motorcycles and I have a bunch of guitars. All of them run well, and get used regularly. This may sound excessive and wasteful, but in terms of money spent, all of my vehicles combined are less than most of my friends have in their new pick up. Moreover, I almost always sell my toys for what I have in them, or more. My "hobbies" are way more than that. It's a lifestyle that I love and been involved with all my life. And while I enjoy my toys, it's more about the friends and experiences they bring. I'm late 60s now, retired 4 years ago and fully aware I won't be able to enjoy all of these hobbies forever, but I'm sure not gonna quit until I have too.... Retirement is awesome!

[@dawn4224]

Great discussion. My husband and I are fine with one car. We learned to schedule and have one vehicle when we lived in Hawai’i with only one parking space. We spend our money on traveling and on our passion for art. I buy professional art materials and never apologize. We are active physically and eat well. While we can, we are enjoying our freedom to learn new skills, to take classes, to travel, and to be open to new adventures. When I went to pull money from my 401 plan so we could travel, my advisor told me that at 70 I was young to be taking out funds. I have enough and extra from pensions to live but want to use monies I had saved to see more of the world. I told him I wanted to enjoy my money now. I am now 72 and have no regrets for taking my enriching travel experiences.

[@ncpnz]

Thanks Azul! Your channel was key in my retirement 9 months ago, two years earlier then planned. I have had zero regrets! Your sage advice has guided me to a very happy retirement. Best!

[@davidperry6716]

Recently retired at 57 with my wife (@ same age). We are active and love to open water swim. When we learned about guided swim vacations we signed up for our first one in Greece this year…and booked another one in Turkey next year. Great way to stay active, see the world from a different view point, meet new people, exercise daily, and enjoy the go go years. In my younger years, I wanted a convertible. Now? We want to invest in experiences and less on things.

[@Gadfly247]

Another thought on a second vehicle....pick-up truck! It is fun to use it to help others with. It will also keep you active hauling things such as mulch or gravel and other materials for home projects. You can also haul fun toys like RV's, bicycles/motor bikes/jet skis... you get the idea!

[@movexstu]

Love your content, Azul. Late to the retirement game (just started saving money at 50!), but encouraged as I am socking it away... and trying to do things now in the youth of my golden years. Strange balancing act.

[@NundorGurui]

Most people learn that "you just need a good job to get rich." These billionaires operate within a playbook that many don't even know exists

[@vsimon59]

Growing your money in a bear market is an action

[@KABACHERACHDI]

That's right, you have to put the money to work for you instead of working for the money

[@AdrianaPorras-ii5wk]

Same here, transfers from £4000 to £15400 in just 2 weeks, it's really the best

[@buhaysawi05]

It seems that expert Josh Olfert never surprises me - I also trade with him, his strategies are top notch and I do not joke with him.

[@giburiTotoro2424]

When you have a good skill, it is normal for you to be global and for your name to be recommended to many people and from what I heard about Josh Olfert, his strategies must be really good

[@lindsaynewell6319]

Had my fun/dream car (986S) from 36-45 and before that had a CBR600 for fun. Happy with my 16yo MDX these days. Hiked the John Muir trail, climbed multiple 5,000m mountains and attempted Denali in my 50s. Probably attempting Grand Canyon R2R2R next year at 60. No plans to slow down or stop having fun.

[@jimjames1920]

Looking forward some of these things might seem a little strange, in hind sight looking backward this is the best advice you will ever get. Signed, Looking Backward. Good Job, Azul

[@polaridoo1]

I think your advice is spot on for the older generation. The younger generation is unfortunately, too skilled in living for today and not saving enough for tomorrow.

[@wl660]

As we all were, til we got wiser. Such is the way of the world.

[@tubezaspiak]

Mazda MX5 - Miata, soft top or RF (retractable fastback). I just got the RF and am loving it! 2024 may be the last all ICE for the car as 2025 seems to be headed for some electric supplementation. So the 2024 is the year to get and, of course, with the 6 speed manual transmission (stick shift).

[@normahampton1702]

Amen to keeping two cars! We decided (after the first one-and-a-half years of COVID) that we could get by with one vehicle. No details, but let's just say it was a failed experiment that lasted less than a year. To be fair, we live in the country about 15 miles from the "city" and three miles from the nearest town. Anyway, bought a new car in March, 2024, even though we had been determined to wait until 2025. Best money we've spent since retirement in 2014! We're both too active in activities at different points on the compass to make a one-car arrangement work for us. I can understand people that live in areas where conveniences and/or public transportation are easily available making the one-car decision. But if you're at all involved in activities or have frequent appointments outside your residence, keeping sane with two vehicles is definitely worth it. At least it was for us.

[@Briggs4ever92]

All great advise. And I'm happy to say I seem to be on the same course. All the way to walking the Camino the year after I retired. Thanks for assuring I'm doing it right.

[@jimrenner9401]

As a car guy, I can express only joy in the first piece of advice. I got a 2018 Fusion for cheap, it’s got every whistle and bell on it. I’ve been driving a giant service van for the last 8 years, so the car is a refreshing change. Yeah, it’s no Porsche but it was cheap !!!

[@ntek2709]

I don't understand how some retirees don't have anything to do. To me, work is stopping me from doing what I should be doing. I have more than a lifetime's ambitions to explore, tinker, build etc.

[@BangNguyen-ux4ie]

Love it

[@fredericjanelle]

Un manque d'imagination j'imagine?

[@CG92965]

Totally agree. So many things I love doing that work saps my time and energy for.

[@JBoy340a]

As you age your congnitive abilities (concentration, memory, accuity, etc.) drops off. Sometime quickly. It makes it hard on many to focus and follow through.

[@bobs4718]

Same here! 6 months away from pulling the trigger! Too many hobbies, not enough time with a job getting in the way! Just bought a sports car this past June, enjoying the hell out of it.

[@johnz4412]

Agree with all your points. Thanks for reaffirming what I've found to be true for my life as well!

[@daviddarmanin2188]

Totally agree with getting a toy, like a sports car if you love cars. You only live once!

[@carolneumann2860]

We were suppose to retire at 62. Pushed on to 66. Now have five fun cars plus our two every day rides and a nice John Deere subcompact tractor. We added two Ferraris the tractor and switched out an Edge for an F150 hybrid in those 4 yrs. My plow guy just quit plowing so now I’ve got the Deere and an Ariens professional for the driveway. I’ve spent money and still not seen it dent our principal. I thank my financial advisor everyday for not limiting our dreams. Got a few more Ferraris I’d like to own before I can’t drive anymore. Second thanks to the rural state I reside in with low insurance rates, and yes thank you State Farm for allowing car dreams to happen

[@wayneandrews1022]

Solid recommendations, we’ve done a few of them and zero regrets. Upgraded our 20-year old RV to new, bought a nearly new truck to tow it (so great to have a truck instead of SUV now that it’s just the two of us). Renovated the kitchen and updated some other things including yard landscaping to suit our outdoor living. Walk 4-5 kilometres every day, wakesurf, cycle, play guitar, read tons, learn stuff on YT and other sources. We need to and plan to travel more. And oh yeah, the fun car is on the list - probably a 60s/70s muscle car or hot rod.

[@markhallows2945]

Like the fun car suggestion, when I retired I bought an Aston Martin and through the owners group my wife and I have got a new social group and events to go to.

[@dforrest4503]

Was that new social group a bunch of mechanics?😂

[@joecool2678]

​@@dforrest4503OK, that was funny 🤣

[@garymarquez1556]

Great advice. Our fun car is a 2020 Fiat 124 Spider ragtop. Fun to drive.

[@poolmilethirty2859]

I agree with having your own car. As important as having your own sink. You don't have to worry about the mess the other leaves hehind.

[@LigayaM-l1w]

Thank you for sharing this information ❤

[@WSK9778]

Azul can you speak about the Social Security Fairness Act that just passed the house and heading to the senate? It’s a big deal for pension holders

[@sactopyrshep]

Does this apply to private pension holders?

[@sandrahoward5512]

Thanks, I bought a sailboat when I retired.

[@wtgphoto]

Excellent video and advice!

[@deelehey2827]

When I first got married 47 years ago we had one car and lived in a three room flat in the city. I bought a Mercedes this year. I will keep it ten years and thoroughly enjoy it. Wise life choices are imperative.

[@patagualianmostly7437]

Thanks...that was just what I needed... I retired a couple of year ago after my wife died..... I sense I have been going downhill ever since...and I do not like it. Some sound advice there..... I will take it. Cheers, my new friend!

[@veliadisrosasjr1647]

I am retiring next yr at 57 with steady income stream from my $4 Million dividend portfolio total $650,000 a yr to live comfortably, and its all because of my Fee only Advisor who handles activities in my Portfolio. 3 houses paid off worth 3.5 million. my place of residence and other 2 will give me $200,000per/yr rent, I also have no debts ... Stay Motivated!!🌹✅

[@jessicaknoll4700]

Amazing! thank you for sharing your experience. do you mind also sharing your how to find your Fee Only Advisor?

[@veliadisrosasjr1647]

Essmildaa Morgan is well known, just look her up.

[@jessicaknoll4700]

Did quick research on her, I found this very helpful, Thank you!

[@xiuying6874]

I work with Essmildaa too! transferred all of my IRA from managing it myself, to making her my advisor. BEST decision ever! I truly enjoy the trades. I found exactly what I was looking for.

[@john00123]

Wow, I know Essmildaa too! She’s helped grow my reserve, despite inflation, from $200k to $440k as of today

[@micheleh4016]

We were looking to replace our SUV and were seriously considering a minivan. We like to roadtrip and had an RV for several years. We miss the convenience of an RV and think a minivan might fill that gap. Our kids thought we were kidding until we explained our thought process. But when I saw the 2025 Cadillac sedans, I fell in love with them. We bought the Caddy and we love it's zippy sportiness combined with the luxury ride. Not that a minivan isn't still on the table but for now we're enjoying the ride.

[@JBoy340a]

Our fun cars are Teslas. Fast and really fun to drive. 0-60 in 3 seconds never gets old.

[@tonebone1305]

Same

[@kutatm]

😂.

[@Tinrebel]

😂😂

[@Wazup4177]

I always wanted to play guitar. The day after I retired, I went out and bought a Les Paul guitar and a Marshall amp, and I taught myself to play.

[@stevenperez8157]

Good for you! I followed a similar path, but first I bought an inexpensive guitar at retirement. After I learned a bit, I bought a used Gibson Hummingbird from a respected local shop. I still stink, but it’s a lot of fun.

[@Wazup4177]

@stevenperez8157 Outstanding, welcome to the club. Trust me, I'm no Don Felder, but when it's just me in my man cave, I think I am. 😂

[@KH-vw9yl]

Great tips on leading a better life. I have treated myself to a convertible for the summer and truly find joy in it. That joy helps me refocus on the discipline needed to keep striving for my financial and health goals.

[@4040smokey]

My fun vehicle is a Toyota Sienna. Engineering marvels.

[@teriwellborn165]

We have one as well

[@edwardgh57]

4 years into retirement, bought a new 2025 Sienna so we can pile the 4 grandkids in and go play!

[@mariefraher8725]

My Dad retired comfortably at 56.He lived to 90. He taught me that how you make your money is not who you are. He taught me that owning your own time is your best possession besides your health. I am 72 and happily retired from a profession that I absolutely loved. I have been retired for four years. The best feeling is waking up knowing I can do whatever I want to do with my day. It is called freedom. I travelled my entire life: Europe, Africa, Egypt, Caribbean, the states of the great USA..we have such a beautiful country. I own my own home in a beautiful location and purchased a beautiful new "fun" car this year. We have enough income from our SS and investments that we have yet to even touch our retirement funds. Have an open mind. Telling yourself that you can do rather than you cannot do is key. I am grateful for all I have and know I am blessed.

[@laurie-jeannelister1029]

I agree wholeheartedly agree with your 6 (+ 2 bonus) things to spend money on! However, I respectfully disagree with your phases of retirement. I heard a similar theory in a TED talk when I first retired. You don't need to of through a "who am I?" phase if you know who you are before you retire! No one should solely or primarily identify themselves with what they do. Who you are and what you do are not the same! Who you are has formed what you did but can also form other pursuits as well. Likewise you can mitigate any future depression or slump with a mature attitude when you first retire. The euphoric "whee, endless vacation" mindset is a perfect setup for a future depression. Start giving back right away - don't wait to enjoy the delight you receive from paying forward. And most importantly, you certainly don't need to wait for 'phase 3' to foster your relationships. A healthy retirement includes strong relationships right from before you work your last day. I have been successfully retired for a long time now. All aspects of retirement must be planned, not just the financial. And never let anyone predict how your personal retirement will unfold.

[@HALWG51]

There is absolutely no way I'm paying over $50K on a car. I'm lucky, I "semi" retired in 2020 and I now work part time. I still have a decent income and the company allowed me to keep my company car. As a matter of fact, they just replaced my 2018 Explorer with a 2024 Traverse. So at 73, I am still saving money and don't have to purchase a 2nd car. I am having our bathroom remodeled to make it easier for old people to use, and I'm going to have carpet taken up and plank flooring installed. Plus, we persue our hobbies, go on vacation and visit the grandkids.

[@BentRider585]

My fun "car" is my recumbent trike 🤣

[@Sonny0276]

Great Video. Thank you for posting.

[@gregbeh6864]

I bought a Kia Stinger still got it. Love it won’t sell it.

[@tinakoyama8258]

Happy to hear that I'm doing everything right! 😉

[@StephenCowley001]

I'm on the point of retiring in the UK and plan to get an annuity with most of my pension savings. However, I'd say that much of what having savings represents to me is security. That is a feeling I get everyday from looking at the current value. I hope that will persist with the annuity and it is worth more to me than the fleeting pleasure of blowing them on a holiday or whatever - or the even more evanescent and ghostly pleasure of looking back on the holiday.

[@GeoffBenge-d3k]

We have to cars, mainly to take the stress off if one needs to go into the shop or if we have to get rid of one for some reason. Also it has been good to have a spare car that we can lend to family members if they need it.

[@cynthiaowens9107]

In life freedom/retirement, nothing can compare to the value of family/friend relationships; good health is all-important (we pay the money) and we have 2 cars (the luxury 2024 SUV and a 2004 Toyota Camry…great car)! I did recently upgrade to a Business/First Class ticket on a return flight from Europe…a 9-hour flight! Absolutely worth it and we would do that again if I can afford to on long flights!!!

[@patlafever2049]

I wish I had the money to do half of what you're saying. I can't even afford a roof that I so badly need.

[@yvonneoy3124]

Investigate your county building; they may have grants for home repairs.

[@patlafever2049]

@ I’ve tried but they say they have spent their budget for now.

[@juliebee61]

My husband is 20 years older than me. he never wants to spend a dime even tho we have means. i want a new/newer vehicle!! He has a lack mindset and says "there's nothing wrong with the (old) ones we have now." It making me nuts. i just want to go car shopping with the thought that i can have anything i want. ive only owned one brand new vehicle in my life and life is too short to drive 10-20 year old vehicles when you dont have to!!!

[@judithgilbert3536]

My late husband was older than me, and frugal. When he worried about spending I would say, “Yes, we better save our money so our kids can have a good retirement.” His response: “Let’s go.” I am now 78, so glad to have happy memories.

[@cathyzhang2769]

Marrying a man 20 years older than yourself should be treated better.

[@karenjensen2345]

We have 1 car, 2 bikes, and a golf cart and are doing just fine and love the extra $$$$

[@jackiemansfield8325]

You were the one who worked all your life to save for retirement. Now, retired, do and spend on whatever pleases you, and let the offsprings build their own wealth.

[@David-rr3hw]

Some very sound advise on all fronts. Great video

[@shadylane7988]

I'm retired and still working PT, I love my job driving my sportscar...I have so much fun it's painful. Single female, 3 cars, 3 motorcycles, ski, bike, pedal board, sail, kayak, hike, swimming, birding, eat out good food and fully loaded Bloody Mary's & Hendricks G & T's...live everyday like it's your last. Get the whole pie, B & J ice cream...

[@valeriewright-kc1wc]

Lol you completely lost me with being a swifty 🤣🤣🤣🤣🤣never in this lifetime but i get your point 😂

[@lmurray8789]

Great video!❤️

[@biochem70]

I'm looking forward to taking advantage of everything that is cheaper during the weekdays. Going to the gym and not having to cut it short because I have to go to work. No more daily commute in traffic

[@Keith-rw5yk]

Great video and message 👍

[@JBoy340a]

Great list! Life is short if your budget allows spend on things that make you happy.

[@LillyKC23]

I'll take a '66 Corvette, please.

[@stanmatej35]

retire early ... period ! Transition is much easier and super more beneficial. health trumps wealth . health equals happiness. happiness and attitude is the secret to success.

[@solracer66]

We currently have nine cars in the family. One of my dreams for retirement is to have fewer cars, lol!

[@mikev4373]

I had 6 cars and sold off 4. So much better.

[@solracer66]

@@mikev4373 I'm just working on selling off one at the moment and as one of the existing cars is my wife's and the other is my son's will probably never get down to 2 but something in the range of 4-5 is what I am targeting. Some of the cars have been in the family as long as or longer than I have (the oldest was bought in 1957 and it was almost 30 years old then) so it would be a big deal to sell them now but I know eventually it needs to be done.

[@juliebee61]

😂 same here!! but to have really good, fun, nice ones!

[@mathteacherDrEd]

Thanks I needed to hear it is okay to spend!

[@Larry-bwtmd]

I retired at 55 in 2000,. Best thing i ever did, married to a wonderful woman 47 yrs. Now, 6 gkids and 1 ggkid on the way. Lifes good, drive a Acura rdx fun and fast to drive 279 hp v6 and economical.

[@stevepmo]

the increase of car ins. has kept me from getting a second car,,,

[@YangGQ]

We are very frugal in the country with the most expensive cars in the world (Singapore Honda Odyssey is US$182,000). So I retired. We moved 20km away - and now have 5 cars: 4700cc V8 VX Landcruiser, 300GD G-wagon, Lexus CT200h hybrid, Mercedes S-Class 280SE< Mercedes E-Class 260E. But these five cars are "used" so all these cars cost less in total than one new budget 1000cc car in Singapore.

[@mariagil2833]

Number one is funny and It’s good If you have a lot of money; the insurance is too expensive.

[@km3268]

I bought a convertible!

[@nanniecath528]

Thanks Azul - great information there 😊

[@eugeniocorpuz8338]

When I travel I fly first class. I would like to be comfortable rather than sit in a cramped seat.

[@russschuett2652]

Who says Minivans aren't fun? 🤷

[@markadler8968]

Everyone.

[@marilyns.1225]

I Love Mine...! !! 😂 And I can carry All the supplies I need to do my favorite Hobbies...!!! 😂

[@RLeeVanCamps]

@@marilyns.1225and travel

[@Nicholas-m8f]

Have 2 cars and bought a sports car when I retired. Worth every penny

[@JimmyMins]

Finally a positive video 🎉

[@rshawiii]

thanks for sharing the wisdom, I think I like to practice these things, but your reinforcement helps. More important, you just helped me feel less guilty about buying a new mountain snowmobile that was on a last model year closeout sale. My wife and I love to ride with our friends in our remote mountain town. She stays on the trail with the other ladies, who watch and laugh at their husbands trying to keep their youth by getting their machines unstuck from places they shouldn't have gone. LOL

[@IMMe-yp4bu]

Sounds like money well spent to have a past time that you and your wife can share, but you can also go off with others who do it your style!

[@Wittar7090]

Does WW2 tank count as a car? If so, then I am good. My health is not the best and I have no family. No one is dependent upon me. Having moved around every few years has made me not keep friends as I made them and lose them in a relatively quick manner. Learning, yes, I love learning. Having travelled so much in my career, I hate traveling. I like my own bed and not having to leave my room when the hotel maid wants to is awesome. Yeah, I am bitter but it is my life.

[@user-ty2uz4gb7v]

These are the same guys that tell you sequence of return risk comes from spending too much in the early years