I Have $1.5M & Am 60. Should I Retire Now or Later?

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Күн бұрын

Пікірлер: 133

@nicolasbenson009 6 ай бұрын

I think the retirement crisis will get even worse. A lot of people can’t save because of low paying jobs, inflation, and insane rental rates. And now that home ownership is out of reach for middle class Americans, they won’t have a house to retire with either.

@BridgetMiller- 6 ай бұрын

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.

@tatianastarcic 6 ай бұрын

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.

@Michaelparker12 6 ай бұрын

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

@tatianastarcic 3 ай бұрын

My CFA ’Melissa Terri Swayne’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

@berniceburgos- 3 ай бұрын

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

@Lamarche1959 2 ай бұрын

I retired 7 years ago at age 62 paid off my mortgage.. Till date we have not touched a dime of our retirement money. I have 1.5M in my portfolio. It took me 10 years to get to this goal. I started with a reasonable amount through my CFA ‘Dianne Sarah Olson’ My dividends are supplementing my retirement at the moment. It takes time and I invest in good companies every chance I get, and I make sure I never keep money in the bank. I never sell the chicken that lays the egg (dividends). I just eat the egg

@phyllisburtonhearsawho 2 ай бұрын

Truly It’s all about accumulating wealth through compound interest investments.

@GregMerchant 2 ай бұрын

I did read about Dianne Sarah Olson, quite an interesting lady to look up on the web.

@AdamsFerguson 2 ай бұрын

Consistently investing in quality dividend paying companies over the long term is a relatively easy strategy to create generational wealth

@Dailypalamides 2 ай бұрын

Did a quick web search, she has a pretty decent bio, I wrote her and I'm waiting on her reply.

@borisVladimir2 7 ай бұрын

The key is expenses. Low expenses, low amount needed for retirement. I have only averaged $50,000 a year over the last three years. Home paid off and no debts.This is less than 1% of my portfolio. Did all major work to my home back in 2020, new roof, siding, paint, along with renovating the bathrooms. Can get a fully subsidized ACA plan, keep my AGI in the 12% bracket and still live the life I currently do as a successful business owner. Just gotta keep that "Just one more year" voice out of my head. Retirement date, May 30th 2024.

@eabhaconnor2 7 ай бұрын

Once you turn 65, you become eligible for Medicare, That "just one more year" feeling is common, especially for business owners like you. But it's important to strike a balance between work and enjoying retirement. Have you thought about talking to a trusted financial advisor about your retirement plans? They can give personalized advice to help you transition smoothly into retirement while making the most of your finances. Best wishes!

@michealrealtor 7 ай бұрын

Sure thing! A great advisor makes a big difference. They helped me grow my savings from $200k to $5m by trading stocks. This was super important for me as I'm new to investing and getting ready to retire. Having someone experienced to guide you really helps!

@stevenorris1 7 ай бұрын

I am nearing retirement with $250K to plan for, I'm feeling the pressure to secure my financial future. i would like to know who your advisor is, Can you share his/her name ?

@stevenorris1 7 ай бұрын

I've been searching for experts, and after thorough online research, I believe she fits the bill. Thanks for sharing your insights. I've already reached out to her via email, hoping she can find time in her busy schedule to assist me.

@lauraallisonn 7 ай бұрын

Retirement gives us more time for things we love. Time is valuable, so do what makes you happy. I've traveled a lot and seen retirees miss out on joy because they work too much. Let's all enjoy a happy retirement and cherish every moment!

@Will67267 4 ай бұрын

I retired with $500k with a $1500 a month pension at the age of 55. Moved to Portugal with a $3k a month budget. Living the dream. Taking my social security when I turn 62. Living the dream!

@miken7629 7 ай бұрын

I retired in 2012 with $1.55 million, mostly Bonds & Cash, 5% dividend stocks, I am an Income Investor, only invest in things that pay me to own then live off that income. Live off Interest/Dividends/Social Security, live below my means, reinvest unspent income, and never spend principal, my belief is that a person that is spending principal is going broke. An income of 5% of principal is reasonable with $75K Interest/Dividends + $27K Social Security (after Medicare) without spending principal. By reinvesting unspent income I am growing my investment base which results in increasing income during retirement, this is necessary to handle inflation and increased expenses. Don't care about government inflation statistics (they lie), expenses are rising 6% per year compounded annually, this means expenses double every 12 years, we cannot stop devaluation of the dollar.

@music-jj2pl 7 ай бұрын

How old were you when you retired?

@miken7629 7 ай бұрын

@@music-jj2pl 57

@nobeliefisok9174 7 ай бұрын

You made quite a few errors in your analysis and comments, but you are having a successful retirement financially, Congrats! I am glad you are doing well. For all others, please do not follow his advice unless you can accept spending at a much lower rate. The current return of 75k on 1.55m is 4.8%. For much of the past 15 years the only way to get returns this high is risky high yield dividend stocks. He had to be making such investments from 2012 to 2022, or he was not going to receive 4.8% returns year over year. The effect of owning high-yield dividend stocks is that the principle (value of the stock) often goes down. Eventually the high yield is reduced, (still at a high percentage though) and that drives the value of the principle down yet again. This erodes earnings over time even when the base investment is not sold. Had he based his dividend income on 2 or 2.5% yields, I would have agreed that is maintainable long term. But the past 15 years have proven that 4.8% long term is not sustainable. Also, his complaints over inflation are indicative that he sees an erosion in the income versus expenses using his method of investing. This is the exact reason no professional retirement advisors suggest to follow his lead. Inflation will destroy pure-income investments long term... if you are spending the income as we do in retirement. You can spend low enough (lets say 1% or lower) to out pace inflation.

@miken7629 7 ай бұрын

@@nobeliefisok9174 All these investment calculators assume investments always go up, this is not the case. Investments don't always go up, in the past 12 years, 8 were up years, 4 were down years. Not all my money is invested, I keep enough cash on hand in the bank to cover a years expenses which earns zero interest. I fear inflation and erosion of the dollar, that is why I try to live on half income and save the rest to handle future inflation. Got to $2.4 million in 2019 but my investment balance hasn't moved since then, have covered my bills & taxes, stuck in a period when market values are decreasing while the 10yr interest rate rises, 10yr treasury directly effects market values of Bonds & CD's & Preferred Stocks. When 10yr stabilizes my investment balance will grow again from income.

@douglasthompson9482 7 ай бұрын

Excellent balanced portfolio. I will follow your lead and remember your philosophy.

@PH-dm8ew 7 ай бұрын

retired at 60 with wife, 1.4 M and a 34000 per year pension. Taking ss at 70 hope to be about 45000 combined. pretty fugal spenders, retiring best decision i ever made...

@Oglulubell 7 ай бұрын

Take the SS at 62.5. In the end, you get the same amount. It’s time vs. money and you could do a lot with the extra income.

@nobeliefisok9174 7 ай бұрын

Agreed wholeheartedly! Frugal spending = easy street!

@transitengineer 7 ай бұрын

Sounds good. Last year, I retired with a take home pension amount of about $52,000. But, I have a lot less cash around $600,000 (from my IRA, 457, and personal savings). In addition, I plan to apply for my social security at age 65 (smile...smile).

@TheBryanmauro 7 ай бұрын

The Sad Reality: A portfolio ( which I assume is Tl. Net Worth) of 1.5 mil is top 5% earners in the country. Not sure who your speaking to but if the top 5 percentile can't retire at 60...good luck with everyone who has less.

@nobeliefisok9174 7 ай бұрын

For people that watch Azul's videos, I bet the percentile that are on track for 1.5mil saved is a lot higher than 5% or 10%. His audience is the people who want to achieve financial success in retirement, which are the same people that save more and make less risky investments. "Get rich quick" schemes are not allowed here. Saving 1.5 mil by 60 is not difficult if you start soon enough on average incomes, or save more but start later on top 25% incomes. Using 10% (ex: long-term SP500 index), starting at 22 saving $300 a month, never changing no matter how many raises you get, would have 1.55 mil at 60. Starting at 35 you would need $1150 a month. I can understand fully that $1150 a month would be really difficult for most people. But the solution is to not start that late. I believe people that watch Azul's videos tend not to. Side note for young viewers entering the workforce just to make this point very clearly: If you start your career somewhere that has 6% matching contribution to a 401k, and you earn just $30k a year and never get a raise, if you invest only the bare minimum 6% to get the full match that will generate $1.55 million by 60 years old. It really is that easy if you just start early. And if you have not started, then start immediately. Or tomorrow if you cant today.

@sct4040 6 ай бұрын

I retired with less and still fine even with inflation.

@nobeliefisok9174 6 ай бұрын

You dont even need to earn average income, single, your entire life to have a 1.5 million portfolio by 60. Start saving and keep it invested in a a proper index fund starting early in your working career, and you will save tons. Time saving and investing is worth much more than how much you earn.

@renealmaguer8449 6 ай бұрын

This video of one of many videos Azul uses as an example. Hopefully it helps the younger generation understand the importance of investing early. Also I will include this. If your investments are not generating 10% a year as a long term average (over 20-30yr average) then your money is not working hard for you. The S&P 500 averages 10% and you should at least have it in this type of mutual fund. If you work hard then I want my mutual fund working hard for me too!! We have a track record of the stock market over 100years during many situations look where it’s at. Use that as a tool to help calm your emotions as you invest.

@IUnknownIDispatch 7 ай бұрын

In my case...at 90 years old, I'm not traveling, driving and likely getting all of my meals from a blender. My yearly expenses would hopefully be a lot less compared to my early retirement years (travel, hobbies...etc.). I know retirement planning is VERY different for everyone, not to mention a slew of unknowns. I run through my retirement numbers 2-3 times a month just to be sure I have enough funds set aside for the unexpected (read: medical). Your videos are helpful and make me think about putting aside a little more than I think I'll need :)

@JBoy340a 7 ай бұрын

Likely correct. Go-go years, slow-go years, no-go years

@RobertaOrchid1 7 ай бұрын

LOL! Love the years break down! My folks lived to be 91 and 92. They both lived at home and dad drove up to the final month before he passed away. Mom had a stroke and entered a nursing home for her last 10 months of life. With all that, the medical bills were nominal, and the care programs dad picked out greatly reduced their out of pocket expenses. They did good!

@randolphh8005 7 ай бұрын

Everybody avoids mentioning the “dead years” , over half of those alive at 65 will be dead by 85, and most people are sick a while before they die! So for many it is only 10 -20 years of retirement. Every year you don’t retire is one less year of being able to enjoy retirement. Don’t fall for the BS that you will make it to 95! You can hedge by having an adequate SS check or other guaranteed income, but don’t rely on your portfolio to get to 95, you will almost certainly leave lots of money on the table.

@prancer4743 7 ай бұрын

Retire retire before you lose your mind and money 💰 😮😉

@miked5357 7 ай бұрын

It might be to late for me already!!!😅😅😅

@randolphh8005 7 ай бұрын

Figure out what your minimum budget is per month. Most people can “survive “ on about $4000 per month. If you can get your SS close to that, problem solved! Everything else becomes discretionary.

@transitengineer 7 ай бұрын

I agree 100 percent. In my case, it was based on my two pensions (one from a private sector job and, the other from a public sector job). Both together equal $4,500, then if needed there is also money from my 401(k), 457, social security, and personal savings (smile...smile).

@mikeb8720 7 ай бұрын

Retire now. You won’t be spending as much money at 75 as you will at 60. You are fine. Go enjoy life.

@Martin-og9zg 7 ай бұрын

Healthcare says otherwise. Life is full of checks and balances.... When costs are cut in one area, other areas of expenses have started to increase costs and the pharmaceutical companies are there to take your wealth.

@Encourageable 7 ай бұрын

@@Martin-og9zg he’s going to have to purchase insurance until he is eligible for Medicare in 5 years - he can still retire easily.

@rebeltheharem7028 12 күн бұрын

@@Martin-og9zg A gold plan at 60 costs about 1.3K in the market, if you were to get no assistance (which is unlikely). And he will only need it to cover 5 years. He'll be fine health care wise.

@kennetholsen7469 7 ай бұрын

You can make more money. You can’t make more time. Retire as soon as you can, unless you really love working.

@netwarecracks7780 7 ай бұрын

You taking the piss I would retire right now with that amount

@Encourageable 7 ай бұрын

I just found out by accident that if you are using the KZbin app you can hold your finger down on the video and it will go to 2x speed

@scody311 7 ай бұрын

Can you talk a little about retirees that retire at their number. How often do you find the they regret it because they ended up spending more money ... I'm 52, and can make it at 62, but even though I've done all the 'spend' exercises, I have no real idea what the reality will be.

@rebeltheharem7028 12 күн бұрын

Just answer a few questions: Do you hate working? Does working make you feel drained or ruin your health? Do you plan to do things or activities when you retire? Did you pay off all debts? And, supposing the market drops 50% in the next 5 years, can you make due with a 4% withdrawal at amount (30K)? And lastly, do you have any other forms of retirement income, like SSI, Annuities (why?), or pensions? If you answered yes to at least 2 of the above, maybe you should consider retiring now.

@williamjohnson9510 6 ай бұрын

Try taking social security at 62 spend less early on in retirement and see what results are. I would also own index etfs owning whole market and increase allocation to 80% stocks and 20% fixed income. Owning whole market will diminish risk yet maximize gains. Reverse dollar cost averaging when sell etfs. Meaning balance portfolio when market goes up. Hold when market falls. Keeping 3-5 years of fixed assets to live on.

@nobeliefisok9174 7 ай бұрын

$8,333 a month starting 5 years later at 2% growth is $9,200 a month. By not adjusting this up to make up for the 5 years delay in retirement, you have effectively lowered expenses by exchanging a $100k income at 60 to a $90k equivalent ($7547 a month). To fix this discrepancy, just take (inflation ^ years delayed) --> $100k starting changing to $110k starting.

@July.4.1776 7 ай бұрын

Retirement can happen when your mind, body and finances tell you, and you agree.

@RobertaOrchid1 7 ай бұрын

Hey Azul! Thanks for these videos! It gives me a lot to consider. I’m 59 and am working up my target date for retirement. Right now our (my husband and me) plan is to retire when I turn 65. Our retirement savings will be around $800k, the mortgage will be paid off snd will have completed some major house jobs (roof replacement is on tap this year). With what we plan for monthly spending around $5k, do any of the models take into consideration asset values? Our home will be our biggest asset. For example, my parents lived to age 91 and 92. Mom didn’t work and when she passed, Dad lost the spousal benefit. But given that, his retirement benefits ran out at age 87. To supplement his income, he took out a reverse mortgage and lived on that until he passed. My siblings and I still got a decent amount after selling the house and paid off the reverse mortgage and any outstanding debt (there was an auto lease and some medical bills). So I feel like dad was one of the lucky ones, even though he ran out of retirement savings before they both passed away. Any thoughts on that? I’d like to know what you think, thanks!

@sashnaidu8806 7 ай бұрын

You are such a legend!! Thank you for your wisdom and knowledge!! You have the most calmest, relaxing voice that keeps your viewers engaged. Keep doing amazing things.

@Leann-uj9rg 7 ай бұрын

Haven’t watched the video yet, but just from reading the title, the short answer is YES!!!!!

@douglasthompson9482 7 ай бұрын

Financially and socially, this is a no brainer. Should not have a problem at all.

@xlerb2286 7 ай бұрын

$7K a month is almost spot on for what we're targeting for after tax income so this is an interesting scenario for us.. We've got a bit more money to start with though. We've also got a modest income stream from farmland rental but we haven't been including that in the plan as depending on related expenses the amount of income varies per year. The numbers look good in all the estimates I've ran and that the advisor has ran. But we're going to be pretty cautious at taking that money out to start with. I'd rather bump it up in a year than realize the plan, despite all the work, isn't realistic and we're burning through the money too quickly.

@renealmaguer8449 6 ай бұрын

This video of one of many videos Azul uses as an example. Hopefully it helps the younger generation understand the importance of investing early. Also I will include this. If your investments are not generating 10% a year as a long term average (over 20-30yr average) then your money is not working hard for you. The S&P 500 averages 10% and you should at least have it in this type of mutual fund. If you work hard then I want my mutual fund working hard for me too!! We have a track record of the stock market over 100years during many situations and look where it's at now. Use that as a tool to help calm your emotions as you invest. I will be in a similar situation, hopefully a bit better, in about 5 years. Thanks for your videos Azul!!

@magalig9026 7 ай бұрын

Thank you. It would have been interesting if the simulation considered the drop in spending that usually happens when we slow down in the mid to late seventies. It’s assuming that spending remains constant but that’s not true.

@ItsEverythingElse 7 ай бұрын

You can simulate that in the tool, just enter a lower monthly expense and then add one time expenses for every year (or every 2-3 years to make for less entries). That's also a good way to account for large expenses every X years, like buying a vehicle.

@magalig9026 7 ай бұрын

@@ItsEverythingElse Thank you. That makes sense.

@dannymoranz1589 7 ай бұрын

My friend just told me that he signed up for the" Quick Painless Death retirement program " at his place of employment. He expects to work untill his Retirement kicks in.

@DrBilly90210 7 ай бұрын

Thoughts: Above $1M net worth, retirement planning becomes "What kind of retirement do you want? Cat food & water, chili dogs & soda, or lobster & champagne?" The main driver of that will be expenses & desires, not net worth. Many people delay SS in order to maximize spousal benefit when death comes knocking. For a single person, this obviously doesn't apply. I'm guessing the "unlucky" scenarios involve sequence of returns risk; e.g. drawdown of savings early during bad markets, before SS kicks in. Would be interesting to run projections taking SS @ 62. The huge spreads of these scenarios as time goes on is always interesting to me. As mentioned, if things go sideways, you're probably not going to ride the financial plane all the way into the ground. Although, given how crappy a lot of folks manage their finances, maybe you would.

@Kimonha 7 ай бұрын

I am 58. $6k pension $2k rental prop income. 600k Roth. Have very little expenses. Retired

@aviewer9516 7 ай бұрын

Hi Azul! Thanks for the website where we can play around with different scenarios!

@TapiaCandy 2 ай бұрын

Depends if you want to live in a grass hut, eat bugs with no AC. 1.5M is nothing. That will not work in today's world.

@mickpowell8391 7 ай бұрын

Another great video Azul......much appreciated.

@tedshepard518 7 ай бұрын

I just stopped in to visit everyone bragging about their net worth. Average people just want the basics in life. I’ve done and seen everything I wanted to in my life. I’m gonna be happy just staying on my property and watching life go by.

@JCizzleSoCal 7 ай бұрын

An average person needs the basics in life but definitely “wants” to spend more time with family and friends, travel and try things on their bucket list. Nobody wants to just sit around and watch the rest of their life pass by

@MSmith-mb1ut 7 ай бұрын

Why are you still working?

@grasmi 7 ай бұрын

MC simulations are a useful tool, but result in some pretty unrealistic scenarios at the outer extremities of the data set. Better to use approaches like Big ERN’s SWR tool that applies historical return series’ to your inputs.

@ParisianThinker 6 ай бұрын

I became a widow in 2024. I am in excellent health because I never had to use Medicare or live in the USA for the last 20 years. I have sufficient funds for retirement, but how to allocate it knowing about US debt and more money printing to come. You do not discuss the situation for widows. Husbands die unexpectedly.

@Martin-og9zg 7 ай бұрын

I'm 43, single, homeless and have ~$50k (its the stock market) in retirement funds.... I won't ever be able to retire/own a house.

@MembersOnlyRocks Ай бұрын

Your inflation rate is too low at 2%, we will never be back there again.. 3.5 to 4 is more realistic. Why? Because the goverment has two choice 1) Cut spending (not happening) or 2) print money = inflation.

@jansher9 7 ай бұрын

I don’t think they will be spending $100k year from age 80-90yrs. Need to profile their spending.

@墨紫月 7 ай бұрын

Where can I find a trust worthy CFA who can provide guidance. By the way, also need to take consideration of RMD

@spinnetti 7 ай бұрын

You usually mention but I didn't hear it this time, that the earlier projection, you can adjust what you spend every month so even in the unlucky scenario, just reduce spending until it stabilizes or rebounds... That said I'm nearly your test case (same age) though I've saved a lot more I'm still nervous about it.

@fuzzybeargville 7 ай бұрын

I can't imagine living on that much money, 10K, 7K or even 6k per month. right now I am living on $ 2.5k per month on $ 3.5k take home and in 4 years 4 months I will be retiring with a pension with COLA and Social Security CK gross about $ 6K per month take home of $ 4.5K per month. I have an HSA and a 3K per year stipend to cover my Medicare Supplement. I will be living on that without ever having to touch my savings which is for emergencies only. retirement date Aug 31, 2028. Last day of work July 14, 2028.

@gregstephens6831 6 ай бұрын

I love your informative posts, I’m single, sixty year old, my question is if we go into a recession and most “70%” of my 401k is in the S&P. Where would reallocate my retirement savings funds?

@music-jj2pl 7 ай бұрын

F yeah... For those who come straight to the comments, Just skip to the next video.

@sct4040 6 ай бұрын

What are you waiting for? I am 65, my only regret is not retiring earlier at 59-60.

@rosed6058 7 ай бұрын

ahhhh.....now

@hanwagu9967 7 ай бұрын

What do you mean that the lucky people from the sim at 90 die with some money that isn't a whole lot of money? Aside from it being $600k that the person didn't spend, $600k is 40% of principal. In what world is 40% wealth preservation not a whole lot? Having $6.5m at death seems contradictory to the whole idea of retiring and decumulating. Retirement isn't for accumulation, so why the heck would I want $6.5m at death over $600k? Delaying to have a 5x nest egg before you started retirement is contradictory to the whole pitch of 1000wks of healthy active retirement at 60yo, too. Aside from using MC sim as a tool to pitch for spending money on a financial advisor, what's the point here?

@JM.5387 6 ай бұрын

Some people have a spouse or kids.

@scarbo2229 6 ай бұрын

Almost nothing is 99.9% certain. Inflation only 2%? Good luck with that. Same with relying on the stock market. Same with your health, etc. The point is just that you can and will change course if necessary. Planning 30 years ahead is laughable.

@duf28 7 ай бұрын

im in same boat as this scenario. what are your thoughts on getting a HELOC before retirement. i have a 500k house that is paid off and just wondering out loud.

@hanwagu9967 6 ай бұрын

why?

@duf28 6 ай бұрын

@@hanwagu9967 just in case. i could have a manageable tax free source of income if i needed it to bridge gap between 62 for medicare in order to manage health insurance during 62-65 period, and also not taking my 5800 month ss until 67 which is what spouse and i will draw. a just in case scenario because once i stop working, getting a heloc might become more problematic if i needed it.

@FatherGapon-gw6yo 6 ай бұрын

Not enough

@valerietaylor007 6 ай бұрын

Do you do fee only planning?

@JasonBlaha66 7 ай бұрын

Im 58 with 35K in savings. Can I retire at 60?

@TheFirstRealChewy 7 ай бұрын

Yes you can, but you might not want to.

@punkbassandcovers 7 ай бұрын

Yes, if you use dishonest math 😂

@MW-bz1qe 7 ай бұрын

Hell yeah, especially if u are an illegal immigrant. Everything is free at that point !😅

@brianhill4995 7 ай бұрын

Absolutely you can retire. Just keep some cardboard and a sharpie as a back up. You just might need it. 🤷🏻‍♂️

@Jane5720 7 ай бұрын

lol, no 😊

@by2260 7 ай бұрын

Is the monthly spending amount for Honest Math after-tax amount?

@mrallan8063 7 ай бұрын

Your program is broken. It is impossible to have the median line below/above (outside of) the unlucky/lucky ranges. I wouldn't trust that program or any advisor who didn't catch this glaring problem.

@JM.5387 6 ай бұрын

It's not the median at every point along the line. Only the outcome (end) is the media. There are many ways to get there.

@charleslanphier8094 6 ай бұрын

You should be living on a sailboat in Tahiti.

@July.4.1776 7 ай бұрын

Nice upload the median is nice knowledge.

@margottomasik2108 7 ай бұрын

Great tool. Thank you

@tomdenomy2542 7 ай бұрын

No!!!!

@Philippinesbound42 7 ай бұрын

Azul. I’m 55. I just took a big dump. Should I wipe now ? Or save it for later ?

@berniekeene868 7 ай бұрын

save for later

@hanwagu9967 7 ай бұрын

are you composting?

@Encourageable 7 ай бұрын

Sounds like something a 10 year old might say. Grow up.

@teddyruxpin7876 6 ай бұрын

@@Encourageable I just took a dump of epic proportions and would save for later

@MegaReception1 7 ай бұрын

If all is paid up single retire and go for the best hunt of you life you'd be surprised how far the buck stretches once you cross the border down south.