How To Calculate WHEN You Can Retire

[@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.

[@Rufina-ov3ln5666]

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

[@Rufina-ov3ln5666]

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

[@WhateverItsanOpinion]

Sold everything in california 2020.. Moved To tennessee in a small town. I purchased three Rental properties. 60,000 each. Invested 30,000 in each one. 4,500.00 passive income for all three. I paid cash for my home 450,000 .. 4 bed 3 bath 3800 sq ft. I live on 3 acres and have a 2,000 sq ft shop. There is no state income tax here. Vehicle registration was only twenty seven dollars no matter what you drove. I am only 55 yrs old. I work at home depot making 18.50 an hour. I am living my best life. I only work there just because to get the medical benefits. I really like the job the people have been very nice.

[@411sponge72]

Congrats!! That's the way to do things!

[@Carnegiered52]

Well done.

[@jamieson2676]

What a guy. Love putting you on in the background as I'm working. I'm nowhere close to retiring, but this guy is financial ASMR. I wanna go for a walk with you Azul.

[@ambertraceyy]

Can you do more videos on EARLY retirement (in your 30s or 40s)?? Seen a lot of retirees who struggle to meet their basic needs. I'd like to by all means avoid that. I love your videos Azul!!! Many thanks.

[@aureliobjm]

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 parents both spent same number of years in the civil service, but my mom was investing through a wealth manager, and my dad through the 401k. My mom retired with about 4.2 million, but my dad retired with roughly 1.8 million.

[@gatesbev]

@@GGGsanchez6334 This is something my husband and I just talked about today, we have been stalling for a long time now. Don't really know which firm to work with; We feel they are all the same.

[@keithss67]

Lol well that’s because people in their 30s who retire run out of money unless they have 10 million dollars. It’s so absurd that a video isn’t warranted

[@keithss67]

If you have a million dollars invested and it’s earning say 6% in dividend income, that’s 60k a year (without touching the principal) you allow the principal to continue to grow and you live off the income 🤷‍♂️ A 6% yield seems pretty reasonable these days with someone who has a moderate risk outlook.

[@gatesbev]

@@GGGsanchez6334 I might have seen this name somewhere in reviews or so, can't really recall. We'll be following her up. Thank you for saving us hours of researching.. Do you know if she manages family funds too?

[@gaffster787]

Tracked my expenses for a year before I expected to retire. Funneled every out-going penny through one account. Was a learning experience too.

[@growsinhouseherbiculturali1100]

A year? That’s dedication. What did you learn?

[@gaffster787]

@@growsinhouseherbiculturali1100 I learned we could afford to retire immediately, get rid of one car, qualify for a nice ACA supplement, hold off on receiving entitlements and that we paid too much for entertainment/TV, LOL. The key point is to have enough cash (held normal investment accounts) to keep your income (e.g. IRA withdrawals) low until it is time for enroll in Medicare. For us that is 8 years. Not to mention saving on taxes.

[@chicarbiomed]

I originally started with a number in mind. And it stressed me out because it seemed so far out of reach… then after a lot of retirement videos like this I just sat down with my wife and we listed all our priorities and things we value. All of a sudden our number became increasingly more reasonable. Just that advice alone relieved so much of our stress and now we are planning much more calmly

[@smichener1]

Azul, I love your videos but please walk against the traffic so you can keep yourself safe so you can keep making these great videos.

[@gilbertamthor5098]

Just retired at 61! I feel like a giddy kid on Christmas everyday!

[@areathasmith2198]

Congrats!

[@Rafa-ln9bz]

What are you doing for health insurance if you don't mind me asking?

[@gilbertamthor5098]

@@Rafa-ln9bz paying up the ass for private insurance 😡😡

[@robertross8565]

You're a brave man walking on a road with your back to oncoming cars. That's risky. Great video.

[@737smartin]

“Brave” is one word for it. He actually crossed the street at the start to ensure he was as unsafe as possible. 🤦‍♂️

[@TheFirstRealChewy]

Please walk on the other side of the road the next time. You don't want a careless driver to hit you from behind.

[@ChloeBensonBeautyBoxes]

You want to see them coming

[@guythecat490]

I love “yuurs” instead of years. Keep that Min-a-SO-tah coming! ❤

[@HateDietPepsi]

With no debt and just the typical standard bills, I can comfortably live on $3000/month. Everything else is extra.

[@tancreddehauteville764]

Move to Europe and you can live well on even less.

[@rickdunn3883]

Excellent not-advice. Good video. Also, you need to account for your investment expenses with the 4%. For example. IF you're paying 0.5% Aum. fee + .2 ER = 0.7. You would want to subtract .7% from the 4% Rule. 4.0-.7 = 3.3% would be your more accurate SWR. In other words, cost of investments matter-they matter a lot. The Vanguard calculator is a good estimate. Thanks.

[@Markrtsoon]

The last Monte Carlo analysis says 99% chance of success for spending 120,000 a year after tax if I walked out today. Without any debt, We are seriously thinking about it.

[@tintinet]

what's to think about? just go

[@AlexFlavell]

Uhhh....DO IT!!!

[@tancreddehauteville764]

Fu**ing do it!! I could live well on half of that. You must have $4M in your fund.

[@iycrra75]

What's fee only Advisors and what are the general fees like?

[@marcelmed4574]

Invest in the race track not the race horse. If you understand what that means you’ll be able to sleep at night. My recommendation have several high quality dividend etfs. Many pay >10%.

[@rodrigomontoya1145]

Lets go for a walk and give exellent free advise to millions of people that think about retirement 6 months before that happen. Azul you are absolutly amazing in free advise.

[@williamwilson6781]

Advice…not advise

[@mjf1036]

Great information Azul. We do work with a FOA and did this exercise about 10 years ago along with risk assessment at that time. No that I am

[@vta70]

Should I walk too when you start? Unsure

[@tarikviaer-mcclymont5762]

Yes

[@Chris-jt1vy]

Thank you for the Vanguard calculator recommendation

[@peterhburge]

Hello Azul. I'm really enjoying and learning from your posts. Maybe you or a viewer can answer this question: If I'm paying a 1% fee to my financial advisor who works for a national company, how much goes to the company and how much goes to my advisor? For example, on $500k, if the annual charges come to $5k, does $2500 go to Edward Jones/Charles Schwab/Merrill Lynch and $2500 to the actual advisor? Thank you in advance for any feedback.

[@MILGEO]

As a non professional investor who has managed his own accounts and been studying along with investing for over 30 years, my first thought is "what does that matter"'? The point is that you're paying 1% per year that can add up to a lot of money over time! If the market and your portfolio gained 10% on a given year, you have paid an additional 10% in fee's over the cost of fee's within the investments themselves, of your profit. If you found someone who is really worth it, maybe it makes sense for you. It's not that I have anything against Advisors as a whole, but I really don't like the assets under management way of hiring an advisor. I'm actually considering hiring an Advisor to give me a second opinion on where I stand as I approach retirement. It would be as an hourly or session rate. You would do well to educate yourself a little even if you plan on staying with an AUM Advisor. John Bogle has some great books that he wrote before passing. He was instrumental in making investing at a fair price available to the common person.

[@n-da-bunka2650]

Just as wholesale costs do NOT MATTER to consumers, the final fees the advisor receives does not matter in ANY WAY to you individually. He makes a living doing his role advising. To some, he may not make enough. To others, they may feel that he is "robbing them blind". The question for you is "do YOU get the value you expect out of the 1% fee?"

[@AzulWells]

Hi Peter. Every firm is different and it likely depends on how much money your adviser manages between all of his/her clients. Many fee-only firms pay their advisers a flat salary to keep their focus on delighting current clients instead of constantly trying to grow their “book of business”. Hope this helps … 😎 Azul

[@gb9589]

Not everyone has 401k that size? I have 2 pensions, SocSec , 401k, Cash Savings. Like to hear how you factor in monthly/Yr pensions?

[@adamgregory1243]

What would you consider a fair fee for a financial planner?

[@edeter2260]

I found the Vanguard Nest Egg calculator unrealistic. The calculator does not take in current high yield savings rates of at least 5.02%. With a $1 million dollar cash balance earning 5.02% yearly is $50200. With a burn rate of $40k per year before just social security collection with net a positive $10k. Social security allows to pay the income tax and have left over for more spending. The original principle is not even touch and can grow yearly with additional compounding interest. Spend less than you need; you are way ahead of the game. You definitely need to be debt free at the time you retire.

[@natinpw7770]

Enjoy your videos -thanks Azul - Do all fee-only financial advisors charge a % of the portfolio they manage? Do any of them offer an hourly rate for advice so maybe you can pay for 4 - 8 hour of review of your portfolio and their advice, which I can then take and implement using Vanguard/whatever? I have questions about a lot of financial issues I'd like professional advice on (Roth conversions, tax and estate planning, etc.). But I'm not too interested in turning over control of my $$$ just yet...(?)

[@WallaceDunn]

@AzuI-wells this is NOT @azul the creator of this content. This is a SCAMMER... with poor English at that...

[@joethecomputerguy1]

If you tell me how long I'll live I'll tell you how much I need. Until then it's risk. Like you I have a history of men not living past 75 in my family. My plan works fine until 81. Then I'll have to make some adjustments. My budget if 42k/year. I've been retired since I was 52 six years ago. I have consistently spent less than my budget every year. I've also beat my expected returns (on average) by a considerable amount to the point I have more money now that when I retired 6 years ago.

[@737smartin]

@joe…Congratulations on your FANTASTIC retirement launch! What a great start you’ve had. 👍

[@ronmexico5908]

Do you advise against using CD's instead of bonds? 5% guaranteed seems like a win

[@joethecomputerguy1]

You need to think more long term IMO. 5% CDs are only about a year out.

[@sct4040]

Diversify. Do a little of everything.

[@clemperry37]

How does a defined government pension factor into net worth?

[@justintx75]

@Azul could do a video about a govt pension retirement

[@oilbull48]

a lot of good ideas and information on this video…..thanks Azul

[@Steven-f7v]

I forgot to calculate my retirement. Should I go back to work?

[@delynbarksdale]

Like the channel and the topics. I have a couple wants on topics that maybe you have touched on but I have not yet seen. One is the subject of doing roll-overs from IRA to HSA. Possible? Worthwhile? If so how best to do it? And under what conditions can you do that? Do you have to be enrolled in a high deductible plan to do that? A 2nd topic, I have seen some info from you, but not as much as I would like. It is the subject of managing the insurance gap if retiring before age 65 and medicare. How to manage your MAGI to qualify for exchange plans so you have a reasonable insurance premium cost. Timing of the income etc...meaning what year income do those plans consider? The 3rd topic is about a savings plan in retirement. It seems I would want a much larger emergency fund that while working. So I could manage market downturns by pulling more from those types of savings accounts, to possibly weather the storm better by not drawing down investment accounts during a serious downturn. Such as in 2022 when nothing seemed to be doing well. Also it seems to be a good idea and pattern to continue saving somehow even if only to move dollars out of tax deferred accounts if you can stay in a favorable tax bracket. This might also soften the shock of going from saving all your life, then stopping, in a sense.

[@WallaceDunn]

@AzuI-wells @AzuI-wells this is NOT @azul the creator of this content. This is a SCAMMER... with poor English at that...

[@christschool]

Healthcare is the big one for me. My body is really starting to cost more money to maintain at 55. If I were in excellent health today, I could retire with my savings. But healthcare expenses could totally devastate it in short order depending on what happens.

[@tancreddehauteville764]

Medicare?

[@Robert17368]

Do take in social security?

[@nywaves]

Azul what’s the fee for you to tell me what you think of my retirement package I have set up for myself at 49 I want to retire in January and really enjoy my life.

[@philwilson8617]

We are shooting for 2026- Social Security, a government job pension, 401k, and part time income from pastoring a small church will give us about $7k monthly with one car payment and no additional debt. We may use the smile graph on our 401k distribution, spending a bit more in the early years for travel. I think we will be good.

[@annaspastrykitchen6896]

Hey Azul, why “fee only” financial advisor?

[@sct4040]

Because they will look out for you instead of their fees. It called fiduciary.

[@write2sarann]

Do you have suggestions for calculators that factor in passive income, such as rent als? Vanguard only take into consideration stocks & pensions.

[@rickwilliams9001]

Superb as always 😊!

[@KC-sr1fi]

Is Merrill Lynch considered a “fee only” investment advising firm?

[@2112_WorkingMan]

Just a consideration: Bill Bengen’s 4% rule is to be adjusted every year for inflation and only covers 30 yrs.

[@travellinman382]

How many of us will live for more than 30 years in retirement?

[@edennis8578]

If your investments gain at least 4% per year, you won't be spending the principal.

[@mikevinturner]

Some of us are just where we are after 60 years! We are Married, We have to look at retirement like, well, We don't have any great stocks anymore Just what we earn at part time jobs plus ss/retirement from a state career. We will have a projected retirement/SS income of about maybe $40,000 a year going forward not the best health care, but healthcare! Ok, We own our house, annualproperty taxes are about $6000.00. We own our truck, in great shape, live and work in a small town. Our health is OK. Looks pretty good to me. I don't know what else we could do at this point. I would like you to address retirement issues from a lower income, later in life perspective. I really like and agree with most of your points! That is why I keep watching. Especially, stop spending money on things you don't enjoy!

[@BudgetsWithELMA]

Great video! Very informative and helpful 😊

[@kevinfestner6126]

Step 0, while I am still working. I want to use my wages to fill in any gaps, and to make improvements to my forever home. Investment portfolio: Two years in cash in a money market, which is my Tier 1. 100% out of the market to span market downturns. A balanced 60/40 portfolio for my Tier 2, which is low risk. This is two years supply. The remainder, I am using the 7Twelve portfolio, which offers growth, but less downside. This is a portfolio devised by a Finance professor at BYU.

[@josephjuno9555]

I will have a Pension (no COLA) And Soc Sec.and alot of CA$H So shud I still Have alot of bonds?

[@transitengineer]

This appears to be advise for people with about 60 percent of their retirement monthly funds coming from an IRA, 403(b) plan or 401(k) plan with the balance coming from another source perhaps social security. My goal is to never need to spend my saved up money from a 401 (k) plan, 457 plan, and personal savings but, to live monthly off of my two (2) pensions and social security. Also, in retirement my goal is to have 70 percent of my money in fixed assets (bank CD’s, T-bills, etc.) and 30 percent in stocks. However, if there is a major market correction or crash during one-year, I will reserve these percentages (smile…smile).

[@jaykern]

I've got a question and it might be interesting for more people. I'm curious if the 4% rule also applies if people retire FIRE? Like 35/40/45? Does the same logic apply to people in those situations?

[@edeter2260]

@Investment43 Not to spammers.

[@joes5096]

need to walk facing traffic or retirement may end early :)

[@georgiannmaloney6594]

This was good information

[@bobackerman54]

I have heard the median retirement savings per household is $200k or less (many places say $100k) ... in either case what is the one-half of the population to do ??? ... do you have any videos on that ???

[@tancreddehauteville764]

Social security.

[@bobackerman54]

Thank you ... of course you are correct ... i worry about those (for whatever reason) have very little to nothing saved and look for ways that they can improve their outlook and have hope ...

[@t.s.3669]

Median. Not average. Average has less.

[@tancreddehauteville764]

@@t.s.3669 Define average.

[@marklynch8781]

A little concerned about the risk level....on your walk today. Take care.

[@Utah_Mike]

With SSI I will need to withdraw 3.3%.

[@davidkim3854]

When you walk on a roadway, please walk against auto traffic.

[@jamesruston8047]

I smoked a pack a day for 30 years .think 50 I retire on whatever I got

[@michaelmontana0804]

Keep working! Just find something more fulfilling. I could retire early…no way. I have seen the effects of retirement and it is not really that attractive. Again, just find something more fun and or less stressful and enjoy what having a better income than SS can bring.

[@leehaskins307]

the best retirement but I know most cannot is having enuf money to just be in FIXED INCOME….. cant be more comfortable then that.. but yeah MOST cannot do that…. I’m striving to be that...

[@tintinet]

wot no newretirement?

[@user-fs8tl7ni1w]

Why is Azul still working in his 60s?

[@albacus2400BC]

Lately I've been contemplating retirement, uncertain whether my 401(k) and IRA will ensure a secure future. I've also invested $600K in the stock market, experiencing fluctuations without substantial gains.

[@stephenpotter21]

Using a 401(k) or IRA is a valuable strategy for retirement planning, providing potential savings growth and tax advantages. While the stock market is promising, expert guidance is essential for effective portfolio management.

[@ericmendels]

Opting for an investment adviser is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 45% since Q2.

[@victorlaranjahal]

That's impressive! I could really use the expertise of your advisor. Could you recommend who you work with, please?

[@ericmendels]

I started out with an FA named *Sharon Louise Count.* Her honest approach gives me complete ownership and control over my position, and her rates are incredibly affordable given my ROI. You could check her out.

[@gregorywhem]

Thank you for this. I'm gonna check her out and try to reach her. I hope she gets back to me before my portfolio completely disappears.

[@keithss67]

In the end there is only Zuul

[@Betort44]

I will forever be indebted to you you've changed my whole life contiune to preach about your name for the world to hear you've saved me from a huge financial debt with just little investment thanks so much Mrs Christine Reynolds

[@benandersonn12]

l also invest with Mrs Christine Reynolds , she charges a 20% commission on the profit made after each trading session, which is fair compared to the effort she put in to make huge profits.

[@Roselerma]

My first investment in Mrs.Christine Reynolds gave me the confidence that led me to invest without fear of loss. I have already taken 3 of my friends to their guide and they are fine.

[@Betort44]

She's on TELE GRAM....👇

[@Betort44]

FXCHRISTINEREYNOLDS💯

[@Anthonyjeff56]

Amazing I also just started trading with her she is the best at what she does with an initial investment of $1400 I made up to $5230 in just a week of trading with her, his strategies are mind-blowing.

[@SchiebleAnderson]

Thanks for the updates guys❤❤. I'm thrilled that I made impactful decisions regarding my finances that have transformed my life. As a single parent residing in Manchester, UK, I purchased my second house in February with the hope of retiring next year at the age of 46, provided things continue to progress smoothly for me.

[@DonaldReims]

Wow, that's truly inspiring! I'm curious to know how you accomplished all of that, especially as a single parent. I would greatly appreciate your assistance on how to navigate my own financial situation. I'm desperate to find a way to pay off my debts and achieve my goals..

[@SchiebleAnderson]

The crypto market can be highly profitable, especially when working with an expert broker like Eddie Sota. I was fortunate enough to receive a recommendation to him, and ever since, my financial life has been a tremendous success.

[@RobertCharless]

With Eddie Sota's guidance, I have already earned over $ 350k by investing in the crypto market. It's astonishing to see people discussing his services here, and I'm grateful for the opportunity to work with him.

[@WilliamChrisanthus]

Likewise, I consistently make a weekly profit of $ 24,000 through investments in the crypto and stocks market, regardless of any economic downturn. This has brought me incredible achievements in life.

[@George__Philip]

Hello, friends! It's quite a beautiful coincidence that I also trade with Eddie Sota. 🤩

[@thullraven1]

It's not hard to calculate really. Do you have ANY debt, to include mortgages and car payments? If you answered no, then figure out what your residual income will be. Can you live off of it? Yes? OK, good. I said LIVE off it, not squeak by. Next question. Do you have a good chunk of money in savings for emergencies? Like at least 6 months of living expenses to cover things that pop up and medical stuff. You do? Great! As an added bonus if you have a 401k or something along those lines, that's awesome. If you hate your job (I did), then retire.

[@thullraven1]

@AzuI-wells I'm doing well, Bro. Thanks.

[@dakota098765432]

Hi Azul, I have a question that I haven't seen in these types of videos. How can we use the equity in our homes in our calculations of when and if we can retire? I never hear this talked about. I retire in three years from federal service, have a 401k, IRA, Cash, Pension and SS and no real debt. I know the equity in the house is a calculation of net worth but i generally exclude the equity from my nest egg unless something really horrific would happen - does that sound right to you?

[@sct4040]

I never calculate my home as part of my net worth. It doesn’t count until I sell it minus the new home.

[@iansealy6512]

Nobody retires, just ask the baby boomers

[@untouchable360x]

I can afford to retire once I complete rehab.

[@mjuberian]

I can retire at age 91

[@July.4.1776]

Mr. Money Mustache says when you can save 100% of your earned income you can retire.

[@52CA]

This is what I don’t understand about some of these calculations. If you have 1.5mil saved and it’s in a coffee can out back 50k a year will last 30yrs. So how if it’s even poorly invested where is the risk? I run these simulations that give me 97% probability of success when I’ve chosen numbers that have 100% chance of success in the dresser drawer.

[@nikiclaypool8800]

Inflation. The dollar looses value

[@margmclevain3432]

Too many ads

[@2112_WorkingMan]

I opt to pay the $13/mo to avoid all YT ads…worth it to me…depends how much YT u watch I suppose. Cheers!

[@n-da-bunka2650]

Good One & 500th LIKE The one HUGE problem I have with the "free" Fidelity tool and all the rest is that they ASSUME that your current annual income is THE SAME income you will NEED during retirement which is .. insane! I make THIS MUCH NOW so that I won't have to make anywhere NEAR that much in the future. As an example, if I tell the Fidelity tool that I make $150K/year now and save 20% of it in retirement savings, the stupid tool tells me I am WAY OFF course and they recommend an advisor but if I leave EVERY SINGLE other variable alone and simply reduce my "current income" to $75K/year that same tool says "You are doing GREAT!!!" In retirement I will have no mortgage, will not need to stash 20% of my income into a retirement fund. In retirement I don't need to pay for kids college or to pay off my mortgage or .... It's almost AS IF these tools are intentionally dumb simply to produce artificial drivers for hiring a financial consultant. We need a better FREE mousetrap. Maybe it's time for someone to build one? Wanders off into the spreadsheet and database programs, mixes in na bit of simply programming and quick build website software and .... I'll post a REAL TOOL that works for REAL people in a couple of weeks...(if my real job doesn't get in the way again).

[@fredalexander1636]

Thinking is retiring in 20 years? Due to inflation, you may need upwards of $2.6 million to maintain your existing lifestyle, with the ongoing effects of high inflation. Lower forecasted stock market returns, and stagnant wages, achieving a secure early retirement could be more challenging than ever before.

[@AzulWells]

I suspect there 500 Likes. Wow. Thank you!! Calculator: I suspect you are right. The creators don't want it to be too good 😢. But, before you build your own tool, check out this tool that another finance KZbinr that I respect has suggested (@joekuhnlovesretirement) . The link below is not a sponsored link and I have not even looked at the tool. But, Joe is a good guy and a smart guy. If he recommends it, it is worth looking into. www.newretirement.com/ I hope this is helpful. And, thanks again for the 500 likes!! 😎 Azul.

[@danielrago5799]

Love the videos but you're pushing too many too fast. Are you money grabbing you tube?

[@joethecomputerguy1]

make it while you can baby

[@danacaro-herman3530]

@danielrago5799. That's a silly question! Of course he is

[@daveo9844]

You don’t have to watch 🤔

[@danielrago5799]

@@daveo9844 such a smart comment Dave. One video pushed 7 other videos - a little excessive. Just my opinion. Don't like it don't read it and don't comment back.

[@Annis-co7vu]

investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good??>>>>>>

[@AudraZapoticky55]

I understand your concerns, my friend. I recommend exploring passive index fund investing and expanding your knowledge in this area. Personally, I experienced both successes and challenges when initially seeking a reliable passive income......,

[@Madlyn55]

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

[@Madlyn55]

STEPHANIE KOPP MEEKS, that's whom i work with look her

[@AudraZapoticky55]

Thanks for these recommendations.....,,,

[@mattlaeff724]

None of this will matter if you continue to walk those dangerous roads. Not only are you not paying attention -- the drivers are not either. Finally, you should be walking into the flow of traffic -- not with it. Be safe -

[@leehaskins307]

I dont like the “NEST EGG” that finincial advisors use as Azul says alot… in nature most nests of birds are attacked and the eggs are eaten by predetators….. so I just dont get that analogy of rerirement money being a nest egg… thougths anyone ??? I really think they need to change that name.. i dont want a “NEST EGG” in retirement.. come on advisors… change that name...

[@Exploring_Adventures]

I’m swinging for the fences and taking out as many loans as I can to go all in on crypto so I can retire in a year or two at the ripe old age of 36! YOLO bro, not interested in bonds.

[@tintinet]

worked for me!

[@sct4040]

Nuts.

[@tancreddehauteville764]

SCAM!!!!!

[@kathyhowell570]

I’m not even close to the numbers you talk about. Completely unrealistic.

[@perrykomick9478]

Best thing anyone can do is make money early, save...then when you turn 50..leave USA with your money...to a country that isn't a complete scam/shit show

[@nikiclaypool8800]

Agreed. Free health care

[@johnhill5241]

Mmmmm...... 🪿 Goose