Knowing This Sooner Could Have Transformed Our Retirement Plans!

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Many people envision retirement as a time of relaxation and freedom, but often find themselves unprepared for the realities it brings. Whether due to financial missteps or unhealthy lifestyle choices, arriving at retirement without proper preparation can lead to unexpected challenges. Today, we explore how better planning can help you avoid common pitfalls and share crucial decisions you need to make now to ensure a healthier and more fulfilling retirement.
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CHAPTERS
00:00 How to Start Saving Early
09:58 Why Focus on Health and Wellness
18:09 How to Plan for Healthcare Cost
26:43 What's the Best Way to Build an Emergency Fund
34:32 How to Prioritize Family Time
41:01 What's the best way to adapt to changing circumstances
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ABOUT RETIREMENT TRANSFORMED
Husband and wife duo, Mark & Jody Rollins, inspire and serve as personal guides to meaningful, transformational journeys for individuals who are planning for, going through or are living in retirement. This is everything in retirement beyond your financial plan.
We are not financial advisors or medical experts. Any advice we give is our own and should not be taken as professional advice. This video is for informational and entertainment purposes only. Please seek professional assistance before making any financial decisions or changes that can affect your physical or mental health.
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[@bradbeckman2616]

Don’t forget being generous with your money. Give the first-fruits to the Lord - not the left overs. Matthew 6:33. All we have is a gift from above. The life of gratitude and generosity (charity) blesses us and others in ways that nothing else can. This life is temporal and short compared to eternity. My legacy: Christ was my Leader and along with all the things you mentioned I led my children to be leaders for Christ and to be healthy in body, mind and soul.

[@RetirementTransformed]

Agreed!

[@EvanCarmichael]

This video is a game-changer for anyone planning their retirement! Thanks, Retirement Transformed, for sharing such valuable insights. Keep the great advice coming! -Macy (Team Evan)

[@RetirementTransformed]

Our pleasure!

[@BarbFrissell]

Would love the retirement vision program-this is my biggest struggle. My insurance career has been my life for 40 years. Love your videos.

[@RetirementTransformed]

Thank you. Make sure you optin on our website do you get notified when the course is ready.

[@glennet9613]

I’m 79 retired twenty years and we build our life around exercise. This week we are in Andermatt, Switzerland cycling and hiking. Yesterday we cycled the old cobbled road over the St Gotthard pass, it was fantastic because the road is cleared of snow but still closed to traffic so we ducked under the barrier, we didn’t see a soul all the way down and only a couple of other cyclists on the way back up. Today we took the train to Goschenen and walked back, incredible the river is in full force. It all started when I was fifty, overweight, out of shape, stressed and a smoker. We bought a couple of cheap bikes and started with the local park then gradually day rides, weekends, every holiday. touring. When we retired we took our bikes to Europe for a few weeks every year touring a different country each time and to cut a long story short eventually came to live in Switzerland. Exercise is so important to a long and healthy retirement, so far we only see the doctor once a year for a checkup.

[@RetirementTransformed]

This is such a great post. Makes me want to get back on my bike. What a beautiful life you have made for yourselves.

[@kathleenbennett8767]

Yes! Retirement planning course! Love your channel ❤ I am about to turn 58. Love to listen and plan w your advice

[@RetirementTransformed]

Ok. Make sure you are on our email list do you get updates on the course.

[@DW...]

I luv that you go to the gym together! Great information, thank you.

[@RetirementTransformed]

You are so welcome!

[@DG-lf5go]

This great information. Love your channel. Keep the content coming.

[@RetirementTransformed]

Thank you! Will do!

[@davidjones2059]

Nice comments on retirement. Jody, you and I were in the same HS graduating class. I have the money to retire but plan to go out gradually. I have saved on my own at the max and have diversified my money on my own. I do like your ideas of how to visualize retirement. I have been so laser focused on my career, but will now focus on the future. Thanks for your channel!

[@RetirementTransformed]

Your welcome. We are glad you are enjoying our channel

[@DG-lf5go]

This is such a great video. Luv your content.

[@RetirementTransformed]

Thank you so much!

[@debbiedorsey2371]

Great tips! I would love information on Vision course! Thank you!

[@RetirementTransformed]

You got it!

[@RetiredLovingIt]

Good topic

[@RetirementTransformed]

Thank you!

[@donnaengland3629]

Definitely would appreciate a retirement vision course!

[@RetirementTransformed]

We will definitely work on this

[@kimeckstrom2282]

Great idea to create more on developing a retirement vision.

[@RetirementTransformed]

We will

[@ramonalofgren5552]

My dad retired early, but had side businesses. In the 80s that was called semi-retired

[@RetirementTransformed]

We are doing the same thing and finding great balance.

[@tommilliot1496]

Hi Guys Welcome back to the northeast. Great episode. I’ve been following all your steps. Going part time in September. Congratulations on your channels success. Enjoy your summer. It goes buy so fast.

[@RetirementTransformed]

Thanks Tom. Part time sounds great. What’s your plan on what to do with your new found freedom? I love the photo of you caddying with Jack Nicholas back in high school. Maybe a part time caddy?

[@JBoy340a]

I started saving and investing for retirement in my mid-20s. My father told me the SS payments from my check were for his and my mother's retirement. There would be nothing from SS for me. And I had to fund my retirement via my own savings and investments. I took his word to heart and did just that. Now, at retirement, the picture looks good. We have a lot of money saved and invested since we started in our 20s. And it looks like SS will stick around for a bit longer. I suggest others operate on the same assumption. The worst that can happen is you have extra money when you get to retirement.

[@RetirementTransformed]

Thank you for the comment!

[@debbiesutherland7212]

Yes please, a mini course on vision😊

[@RetirementTransformed]

Make sure you visit our website and optin to get in our email list.

[@thadeusmoor3535]

Start as early as possible. Got my son started at 21 he has his first 100k at 28

[@RetirementTransformed]

That’s great. Good plan

[@bingalba8102]

thanks for being honest w credit cards

[@RetirementTransformed]

Your welcome. It was not my best moment with finances.

[@user-bs1lj3kv7h]

Thanks for sharing a great video. I am in the final few months to retire early at 55 and have worked with a financial planner for about 18 years. They have been extremely helpful and set us up for a successful retirement. I also agree on having some sort of vision for your retirement. Imagine one that contains faith / spirituality, friends, financial, fitness, family and a collection of hobbies. Doesn’t that sound great?!

[@RetirementTransformed]

It does sound great!!! Keep planning that vision!

[@tomgerth5224]

I would be interested in "retirement vision" course! Thanks for your content.

[@RetirementTransformed]

You got it! We will work on that

[@jillrussell8188]

I would benefit from your Vision course

[@RetirementTransformed]

Great. We will work on it

[@freddyheynssens1950]

Investment for retirement is not easy with high inflation and high mortgage payments . I had a plan with my employer to set aside a little amount each month. Now it has grown substantially. It is wise to save. Thank you for this video. God bless you richly.

[@RetirementTransformed]

Well said! Thank you

[@killerbgarage6364]

Surrounding yourself with the right people. Sounds odd but I think that also includes videos like this

[@RetirementTransformed]

Thank you

[@MariaIsabelGarcia-z8e]

Yes, i am very interested in retirement vision course.

[@RetirementTransformed]

We are working on it!!! More to come!

[@GinaSherman-gc2cx]

Do you think at the age of 66 is too late for life insurance?

[@RetirementTransformed]

I would not be the right person to ask. Do you have a financial planner? They could help

[@jwalaprasadyoga]

I had a financial adviser since 1987. He retired but he did recruited a CFP and he is doing a good job.I did not have a clear vision how my retirement looks like. I thought we will travel and spend time in studying different aspects of life. When I did retire in Dec.of 2015,so many doors opened up. More time for meditation practice and the big one was back yard gardening which opened my eyes to an entirely new world. Thanks for another helpful video.

[@RetirementTransformed]

Thanks for sharing!

[@cync3572]

Please build a retirement course it would be a great help!!

[@RetirementTransformed]

Hi! We have one! It’s called Your Retirement Game Plan. Check our website. It’s on there! We also have a 7 Day Challenge to kickstart your retirement!

[@sandraklukas3279]

Decumulation!! Only because you asked. 😄Also, if you're working for a large company, check your benefits; you may have some financial planning or estate planning options for either free or low cost.

[@RetirementTransformed]

Very true!

[@BarnabyBarry]

Get a CALPERS pension-100K USD -annually with COLA for life -or tell your kids! But you have to work 30 years!

[@RetirementTransformed]

Since we don’t focus on finances I’m not 100% what this is but thank you for sharing.

[@johns126]

16 hours in a day - doesn’t take much to at least allocate 1 hour of this to exercise - especially when you have time on your hands! You have to invest in yourself for a healthier, longer and happier existence.

[@RetirementTransformed]

Love this! Thank you!

[@GinaSherman-gc2cx]

I take my health very serious

[@RetirementTransformed]

That’s great

[@Jen-xy4kk]

When you meditate for 10 minutes each morning, what are you actually doing? I count my blessings every few days, and I think gratefulness is part of meditation, but besides counting your blessing and being thankful, I’m just wondering if there are parts to your personal meditation that I could include in mine?

[@RetirementTransformed]

Thanks for sharing!! I use an app called Headspace. It’s a guided meditation so I am guided every in what to think about. Another popular app is Calm. And of course there are plenty of free videos on KZbin. Hope this helps

[@Jen-xy4kk]

Thank you ! Jen

[@squidnerful]

You can have your house or your lifestyle but you can’t have both

[@RetirementTransformed]

Thanks for being here.

[@roggiedale]

Love of God and then family. Debt free. Passive income, Investments (As much as possible in Roth), and SSA. Build strong social life. Step off with a mission and passion. Retire in to a strong active life knowing it will slow down. You will have done it as well as most people around you and then some. Have seen people do this with very little money. Their life is so much richer than people trying to buy happiness.😎

[@RetirementTransformed]

Thanks! Well said!