3 Things We Wished We Knew Before Retirement

If only we knew this before retirement, top tips to plan your time to retire, things We Wished We Knew Before Retirement, in the years leading up to when you retire we recommend discussing ideas that will shape your early retirement years. If you are in a relationship have a true honest discussion at what you each want from retirement.
If travel is one of your goals we do recommend you don't wait to travel, the first years you retire will be the most healthy and you are still strong. Travel isn't necessary for a good retirement but lots of retirees do travel because it's the first time that they have the time to travel for longer periods.
Consider your budget for retirement and see if you need to downsize or not, make sure you have the financial resources to have a happy retirement. We enjoy sharing our tips on things we wished we knew before retirement.
#retirement #retireearly #this_is_our_retirement
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[@annapower9799]

Norm and Tina, we love your channel! We watch a ton of KZbinrs that create retirement and travel content. But, we enjoy yours the most. Many of the others have the same message - but your content is fresh and makes us go, “hmmm.. hadn’t thought of that, but makes sense.” Keep the content coming. Love it!

[@ThisIsOurRetirement]

Thank you so much Anna 💕

[@Banthah]

I love you two. You’re the most wholesome couple on KZbin. And actually, really good advice

[@ThisIsOurRetirement]

Thank you so much 🙂👍

[@deserttrainguy3235]

After years of zero interest rates, the need to take heavier equity risk for retirees is on hold. Getting 5.3% interest in a Money Market Fund is helping in our retirement, and for now a larger percentage of our portfolio is safe. The equity side protects us from inflation. Covid slowed our travel down, but we are back out there and enjoying these videos. Around age 70, we realized it's time to spend more after a lifetime of saving.

[@barbaralienhard3490]

You're so right about everything. And people who aren't retired don't get it. Hopefully they will listen to you and give these ideas some thought. Thank you so much.

[@ThisIsOurRetirement]

Thanks Barbara not saying we have all the answers Cheers 🙂🍷🤗

[@ddavidson5]

I would say your observations are pretty much on the mark. In general money isn't the issue you worried about so much before you retired and the effects of aging, that you probably didn't think much about before you retired, come up on you faster than you thought possible. I am in my 70s and still in good condition, I hike twice a week and also go to the gym twice a week, but I am definitely slowing down. Given those two, money and health, you really need to get out and enjoy those early Go-Go retirement years spending the money you saved for retirement enjoying your actual retirement while you can. There's not much sense doing all that saving for retirement and then 20 years later dying with it still sitting in the bank. You are also right about managing your weight but recent studies have shown that once you get into your 70s it is less of a health concern than previously thought. To a certain extent the issues around diet and weight are more long term effect things and by the time you are in your 70s like I am the "long term" isn't all that long anymore. Of course eat healthy, and we all want to look our best no matter what age, but I would say don't obsess over it.

[@patriciawallace957]

Thanks so much for the great information. Happy Victoria Day weekend!

[@ThisIsOurRetirement]

You are so welcome! Happy Victoria weekend Patricia too 🍷🙂🌺

[@ToddDragonflyHikerBeal]

Coming up on retirement and it scares me, I hope I can ease into it like you guys.

[@ThisIsOurRetirement]

The fear is worse than the actual retirement, we have tried to tell our stories of how we did to help others also thinking like you . Please watch a few more we hope they help Cheers ☕️🙂

[@ToddDragonflyHikerBeal]

@@ThisIsOurRetirement been watching a few since I found you, great to have a Canadian perspective

[@mariadiesta-acbo9664]

Thanks for the tips

[@ThisIsOurRetirement]

Any time

[@dominic8218]

Great advice both, especially on utilising the go-go years. Health is everything and you need to prioritise good eating. Ice cream 🍨 is my downfall 😂🙈

[@pattyk8594]

Great video thank you! So funny at the end you defending Norm that he doesn't have to do laundry because he does the cooking! You are a lucky lady, I wish my husband knew how to cook! He told me when we get married he will have dinner waiting for me when I get home from work. Little did I know he only knows how to make a baloney sandwich and a can of soup - well at least he tried! haha :o)

[@ThisIsOurRetirement]

Thanks for watching! glad you enjoyed it we are very lucky to have each other Cheers 🍷🙂🍻

[@georgesontag2192]

Dividends are not as great as you think. When a $10.00 stock pays a $1.00 dividend, you dont have $11.00, you still have $10.00. Because wall street drops the stock price by the dividend price. Dont be fooled into the dividend trap. You made absolutely zero on that dividend.

[@ThisIsOurRetirement]

But divided stocks over the last five years have acted like growth stocks, with substantial stock price increases

[@LK-hy5jz]

Excellent tips as always! My biggest fear is to run out of funds if I will retire early. My house paid off and car paid off. I am 53. In United States SSN start at 62 but at reduced amount. I am calculating how many years I will have to cover the monthly cost without that help. In addition: no health insurance unless you retire at 65. What a pickle, right? Are you saying that when you retired early you were able to cover expenses from your savings/investments? I have them too but still scared 😳

[@ThisIsOurRetirement]

Yes we were able to cover our expenses before we got government money 💰, if you can do it go for it ! the one thing you can’t get back is time you say you have savings sometimes the fear is worse than just doing it . Good Luck 👍🇺🇸🇨🇦

[@buffycat4641]

Thinking in Canada they have a much better medical system than here in the United States, which would alleviate that very high expense we have in the US, if not covered by your prior employer's medical plan till 65.

[@LK-hy5jz]

@@buffycat4641 exactly. Which means just because of the health care I either have to work until 65 or live somewhere abroad every year where I can get the health benefits at affordable cost and good quality. United States chained us for good 😌

[@jo-anne5123]

I don’t think you wasted your early retirement years. You sold your house, moved and developed a social network in your new city as well as travelling.

[@ThisIsOurRetirement]

We thought we did a good job Jo Anne 👍🙂

[@laurie2218]

Tina and Norm you are so right about not wasting your 60s. The 60s truly are the Go Go years. I am 71 and hubby is 74. We still have our health and remain active. We continue to travel however there is definitely less energy than we had in our 60s. Don’t waste a minute. Tomorrow is promised to no one.

[@bw5277]

So true....I am 69 wife is 66. We have been semi-retired for 5 years. Definitely takes us longer to recover from international travel. Like most, missed on some travel opportunities during Covid. Still travel, many trips back to our home state of Hawaii....hikes or swimming in warm and calm waters.

[@laurie2218]

@@bw5277 Yes indeed. The worst part of traveling these days is flying. I have friends in their 80s who are still flying. I know not to call them until after they have been home for at least a week. Their recovery time is extended for sure. Gotta keep going.

[@ThisIsOurRetirement]

We agree that’s why they say live in the present as it’s a gift we don’t have a crystal ball 🔮🙂

[@nancykoo4156]

so true, i am 82 , any travel will thinking twice, especially oversea travel

[@honoratam9925]

You're so lucky to have each other 🤗

[@ThisIsOurRetirement]

We do realize that and appreciate how lucky we are 🌺

[@tonyclark5854]

Always eat with glasses on, makes your food portions look bigger !

[@ThisIsOurRetirement]

That is too funny 😂Tony didn’t think of that 👍

[@billyrock8305]

You’ve helped many people heading into retirement! 😊

[@ThisIsOurRetirement]

Thanks Billy that’s lovely to hear 🍻🙂

[@augustineadeyanju9638]

I learned a lot from you guys and some other youtubers , and google . I thank you guys a lot. 🙏🏾

[@ThisIsOurRetirement]

Awesome! Thank you! 🙂

[@marilynrybak9154]

I really appreciate you sharing this information, especially about the aging (health) part. .

[@huskerjpg]

People will be jealous of you, especially people older than you who are still working.

[@ThisIsOurRetirement]

We all have decisions to make , when we were younger we did without a lot and our family came first Cheers 🍻🙂

[@ThisIsOurRetirement]

We had a plan when we were young to be able to enjoy life after kids so here we are 👍

[@maureenburns]

Can you share how much you had saved before you retured or what your monthly income is before your travel budget?

[@MrGearoid65]

Yep, I do worry about having enough money in retirement as I've always had to be careful, like most people. 3 years in, age 59 soon, I do have to be careful, but I don't regret going early. If I need to, I can downsize, but for the moment, I'm concentrating on getting to travel more. No putting things off any longer. You guys are a great advertisement for retirement!!! Continued health and happiness to you both. 😊

[@ThisIsOurRetirement]

Just remember you can’t buy time back ! thanks for watching we really appreciate your support Cheers 🍻🙂

[@MrGearoid65]

Very true! Thx. 😊​@@ThisIsOurRetirement

[@paulk1322]

You could always rent a room out. Or do a house exchange for a holiday.

[@vickimunro4599]

Great video. I just love the chemistry between the two of you!

[@ThisIsOurRetirement]

Thanks so much! Cheers Vicki 🍷🙂

[@todddunn945]

Good video. I agree that losing weight as you get older is definitely hard. I think that is partly because you simply can't maintain the same sort of activity level that you did when you were younger. We are in our mid and late 70s and have really noticed that age and health are significant factors. For example I spent the afternoon today working on my yacht and now I ache all over. I will be there working on the boat again tomorrow though. Like you we have found that we lived on less that we thought we would. In fact one problem we have is what to do with the money. To me it just seems wrong to be saving money at age 79, particularly since my little brother just died at 71 after only one year of retirement. Keep on enjoying your lives.

[@ThisIsOurRetirement]

Thanks for sharing Todd and enjoy your Yacht 🛥️ Cheers 🍻🙂

[@jmcampbell05]

BEST VIDEO YET-- NEVER EVER HAVE I HEARD THAT YOUR INVESTMENTS MADE YOU RICHER THAN WHEN YOU FIRST RETIRED! HOW ENCOURAGING.

[@ThisIsOurRetirement]

Thanks 🙂

[@maryjoan4128]

like that expression,," its all good ,, till it isn't,,,,," I see that with my friends,, keep moving,,, like my mother said, its better "to ware out than to rust,," I too wasted too much time,,,

[@ThisIsOurRetirement]

We all keep learning Mary Joan 🍷🙂

[@faygallagher8425]

Looking good you two. 👌 You both were almost retiring when Danny and I started our 18 years of saving for 2020 retirement. What a year to start. 😂 No visits no social parties hey but well worth it. Loving our Southwest Ontario home. Have a Great Victoria holiday ❤❤

[@ThisIsOurRetirement]

That is awesome! so glad your plans worked out Fay agree we all have to sometimes go without to gain in the long run .Have a Wonderful long weekend Cheers 🍻🌺🍷🙂

[@carolnavan4137]

Loving these surprise midweek videos. ❤

[@ThisIsOurRetirement]

Glad you like them!More to come Carol Cheers 🍷🙂

[@rosalindabarrett7508]

You two are precious 😊

[@ThisIsOurRetirement]

Thank you 🌺

[@victoriaquezada]

People's mindset and beliefs are so different. I refuse to believe that just because you gain more years, you become sick and less healthy. That is simply not true, it's only true if one has a negative mindset. It is genes, lifestyle, and food we consume and junk that we do NOT consume. You do have some helpful content and glad you ae both doing well in retirement years!

[@ThisIsOurRetirement]

Thanks Victoria 🙂🌺

[@whisper2441]

Very good video - one of your best. No waffling/filler, every point hit home. I’m 58 retired at 55 so it’s like a preview of the next few yrs. I play tennis 3 times a week and do a little gym work, but eat what I want which is catching up with me. The thing with having more time in retirement is you also have more time to do the bad things too, like overeating lol. Keep up the good work. I’m a huge Police fan too : )

[@ThisIsOurRetirement]

Glad you enjoyed it! Thanks for watching 🙂🍻

[@romanhollow2985]

$25,000 a year JUST for travel and you were worried about your money running out??? Are you serious???

[@sumonkirwin7005]

I’ve been enjoying your channel from your first video , how both of you seem to enjoy each other, and work very well together. I have a question for you regarding compound interest ? In theory it sounded good but the practical truth with low interest rate and the up and down of the market, I just not seeing how wonderful it could be.

[@ThisIsOurRetirement]

Thank you so much!

[@evadeanu1]

Very valid points. Great video again . Stay well you two

[@ThisIsOurRetirement]

Thanks, you too Eva have a great evening 🍷🙂

[@c2shiningc176]

P.s. love your story and your videos your a swell couple would love to see you and buy you a nice dinner ha ha will never happen I'm sure but I'm new into retirement so who knows where my adventures may take me.

[@ThisIsOurRetirement]

Maybe one day! that would be nice congratulations 🥳 on your retirement Cheers 🍻🙂

[@buffycat4641]

Agree 100% about #1. will I have enough money? I can't tell you how many times I did calculations prior to retirement to see how much money I would have and could I live on it. But, happily like you two I have more money now than when I retired 13 years. Also, like you I am a very frugal person and save even now for things I want from travel to a new car. I pay cash for everything and have absolutely zero debt. PS Wait till you hit 80!. Exercise helps.

[@ThisIsOurRetirement]

That is awesome hope we can still do You Tube at 80 !! seriously we try really hard at doing exercise and know it is so important in life as we get older Cheers 🇺🇸🍷🇨🇦🙂

[@deniseryan4146]

Hi! I'm new to your channel 😊 I'm wondering, if you sold your home, do you rent, have an RV, or where do you hang your hat? I enjoy your videos😊

[@ThisIsOurRetirement]

Welcome to our channel Denise yes we sold our home and now rent our apartment , and travel whenever we want best decision we have done Cheers 🙂🍷

[@judit1783]

Whatever you two do or do not do (laundry vs cooking) it seems to be working....keep doing you!!

[@ThisIsOurRetirement]

Thank you! Will do! have a great evening 🙂

[@poolmilethirty2859]

What a lovely couple. Thank you for sharing all the concerns of retirement. Your close relationship, no doubt, is the product of years of TLC. Congratulations, and may your health be everlasting.

[@sharonmcgregor1010]

Love your show. Where do you live when you are not travelling? Do you own your home or did you sell it?

[@ThisIsOurRetirement]

We live in Southern Ontario we sold our home 8 years ago and now rent a lovely 2 bedroom 2 bathroom apartment Cheers 🌺🙂

[@stevezoleski8844]

Do you kids work with a financial advisor or are you managing your assets yourself?

[@ThisIsOurRetirement]

No we manage it ourselves 🙂

[@web3tel]

Are you making sure that your protein intake is sufficient?

[@ThisIsOurRetirement]

Yes we eat low card high protein

[@dwaynecostello5788]

Another great video, keep them coming. I really enjoy the multiple vids per week format.

[@ThisIsOurRetirement]

Glad you like them! we are trying to post more per week as an experiment Dwayne and in the evening to see how it goes thanks for watching Cheers 🍻🙂🍷

[@kellyswanson6934]

Being frugal gives us money for travel and eating out. We buy almost-new clothes at thrift stores. Downsized to small house, less furniture, less "things". Read the book "Retire with Zero"..... a lot of food for thought (enjoying your money because you can't take it with you.) The book took away a lot of fear.

[@Alecmcq]

Do you mean the book “Die With Zero”?

[@beckypugh3099]

Who wrote that book! Trying to find it!

[@Alecmcq]

@@beckypugh3099 Bill Perkins

[@teresaearl5688]

Thank you, you have helped so many people with your tube channel❤

[@ThisIsOurRetirement]

You are so welcome! enjoy your evening Teresa 🍷🙂🌺

[@lisajel52]

Loved this video. Thank you so much for sharing your wisdom, what works, what doesn’t and what we all can do for ourselves to accomplish a successful retirement!

[@ThisIsOurRetirement]

You are so welcome!Thanks Lisa 🙂🍷🌺

[@iany2448]

While it is not for everybody, I find 8/16 diet is very effective for me. It took merely 3 months to reach my target weight and it has stayed there for a full year now. It does not bother me at all. As to aging, it is true that it can catch up on you silently. Last month my wife and I took first overseas trip since the pandemic. While I do not feel any difference, I found my wife is really struggling physically. It just feels like a completely different person compared to 5 - 6 years ago. It gives me a sense of urgency for planning out more trips

[@ThisIsOurRetirement]

Thanks for sharing it definitely is harder as you get older 🙂

[@padraigmortimer4142]

Remember there are people who do not have large savings and do not have pensions or they are small ones from their employers. Living a middle class life but spending to travel while I was younger took precedence and so I chose to be less frugal then and now I’m going to work until full social security at 66 8 mos. Plus the cost of living has gone up so much so working this last year will be helpful as my income will be only be a third of what it is now. I’m working to pay down all debt. That’s important as these are my highest earning years now. I travel and take vacations to places that will be more too expensive with reduced income. You are totally right though, I’m 66 and after I turned 60 I noticed a huge change in my energy level.

[@LynMitchell-q8x]

Hi Norm and Tin - we changed to what we called the lunch plate size a few years ago and it made a huge difference as we will always want to fill up whatever size the plate is - Hello from New Zealand

[@ThisIsOurRetirement]

That is wonderful to hear we loved visiting New Zealand 🇳🇿 a few years ago thanks for watching Cheers 🍻🙂

[@NewSummitInc]

You are a sweet couple. Thank you for your videos. I'm learning a lot. I am retiring next spring and your content is helping me prepare. Thank YOU!

[@jenniferlee7167]

I loved hearing this today as many retirees share the same fears.

[@ThisIsOurRetirement]

That’s great Jennifer thanks for watching Cheers 🇺🇸🍷🇨🇦🙂🍻

[@scott1441]

Great and sincere video- I agree with all your comments - compounding, health and having a loving marriage- makes life so enjoyable.

[@ThisIsOurRetirement]

Thank you so much Cheers 🍷🙂🍻

[@dellnichols4625]

Excellent points! Just returned from Lisbon and we noticed we were not nearly so agile as we were at 60-65 (we are 71 and 74 now). The uneven sidewalks we see in a number of European cities are much more difficult to navigate even though neither of us has ambulatory issues. We still travel a lot, but plan more days of down time than we did when we were younger.

[@ThisIsOurRetirement]

Thanks Dell for adding to the conversation with your experience.

[@maryellendoran8806]

I am retiring at end of month. Husband already retired. Excited but nervous. All valid points. Stock market has been up. Still have concern that a downturn is on the way which could affect all of us and kill next egg to some degree. I like your idea of travelling now because I see your point that it might be harder in the future.

[@ThisIsOurRetirement]

It is scary but exciting Mary , you have the opportunity to do things with your husband now ! and that it awesome Congratulations 🥳 on your retirement and for joining our club Cheers 🥂🙂

[@marlenegearon4709]

Thanks for mentioning laundry, because I almost forgot to mention this. I saw another KZbin video where the use laundry sheets like the dryer sheets. They would be ideal for cruises and such. They said they got them on Amazon. I thought that would be a good frugal tip.

[@ThisIsOurRetirement]

Thanks for the tip and for sharing Marlene Cheers 🍻🙂🍷

[@wrongwayconway]

25K per year for travel? WOW! That's fantastic❤

[@Duke_of_Prunes]

I always had a fear of running out of money, like you mentioned. But I ended up having endless time to do my own chores -- like installing brake pads on my car last week. Cooking at home also decreased the budget dramatically.

[@ThisIsOurRetirement]

Isn’t that the biggest fear will we run out money 💰 but in reality that doesn’t happen Cheers 🙂🍻

[@MarleneGreen]

WOW! Love you both! Helpful Tips! Took notes. Thank you! Please share more for those under 55yrs - what they need to do now or stop doing. Stay well! Cheers!

[@ThisIsOurRetirement]

Thank you! Will do! thanks for watching have a lovely evening Marlene 🌺🙂🍷

[@MarleneGreen]

@@ThisIsOurRetirement Really LOVE hearing your stories & wisdom! Keep posting! Thanks again!

[@ThisIsOurRetirement]

Thank you 🙂

[@barfed64]

You're still in great shape physically! Needed to run to catch up with you in Albufeira! 😅

[@ThisIsOurRetirement]

HaHa 😂 that is too funny , lovely to have met you both have a wonderful evening Cheers 🍻🙂🌺🍷

[@christinepaull5373]

Great video Tina and Norm! Thank you for always sharing your journey. My husband and I recently retired in our late 50's. We sold our principal residence and moved to a more affordable area in Ontario. We were watching your videos for the last year before we made the jump.

[@ThisIsOurRetirement]

That is awesome! Congratulations 🥳 on both your retirements Cheers 🙂👍

[@kimmckinley7879]

I just love you two! So genuine and cute. Thank you for the content 🤗

[@ThisIsOurRetirement]

Our pleasure! thanks for watching Cheers 🍷🙂

[@oldbloke204]

My view, fwiw, is that hindsight is very very easy and regretting doing or not doing something in the past really is a waste of time and energy. On the financial fear thing the reality is that we've lived through the biggest economic boom in history across all asset classes which is why it's been relatively easy to accumulate more wealth than maybe we were expecting. It's certainly been the case for us up until now. The other side of this is that it may change very quickly and a major economic dump will wipe out value just as quickly as it was created. Also we don't know how our end days will play out or what the costs will be. My Mother in Law has just gone into a care home and the original quote for entry was 400k plus nearly all of her weekly pension. My Father in Law is the same age so a similar outcome is possible. A serious health issue for one partner or the other could have equally ugly financial consequences. On a more positive note your take on budgeting, health and whatever are spot on imo although we really don't budget as such and I should make some changes as we're leaving money on the table atm. Maybe tomorrow. Cheers.

[@suespony]

That was a great video, thanks for the personal insights. Makes a person think about the things you said. I just turned 64 last week. Still working part-time by choice. Waiting for spouse to retire at the end of this year (at age 63.5) then I will give it up at myself. As you, we believe we will have plenty of money and can do whatever we want.

[@ThisIsOurRetirement]

Just remember you can’t buy time back even if you have the money 💰 Cheers 🙂

[@RoseGrace100]

You guys are so right! I’m 66.5 now and keep wondering why I have less energy than I did just a few years ago. I still have energy but can definitely tell every year a little less energy.

[@robertross8565]

Great advice once again.

[@ThisIsOurRetirement]

Thank you 🙂

[@annapower9799]

And, can you create a video about credit cards that you’ve found give the best return - I.e. hotel credit cards that convert to free nights, sign up bonuses, points for air travel or simply cash back. Would love to hear your experiences and how you make them work for you.

[@sagewellness4801]

Do you have a investment management adviisor?

[@MGE9436]

I worry about being able to carry my suitcase when I get older and do so e travelling.

[@markbajek2541]

I moved to a smaller town when I retired and purchased a house near the downtown core so IF if want to go to a local restaurant for breakfast at least for now I can walk up and back to it. It sort of limits my selection a bit but IF I drove to a restaurant I know I'd be even more pudgy than I am today. It's a good thing the local mc donalds isn't participating in the .50 cent egg mc muffin, mc griddle deal , I'd be there every morning.

[@ThisIsOurRetirement]

Sounds a great plan Mark , didn’t know about that deal from McDonald’s Cheers 🙂🍻

[@paul_domici]

The harder I work the luckier I get! Love that! People often call me lucky with my career : ) Luck has nothing to do with it!

[@miken7629]

I retired in July 2012 with $1.55 million mostly in "Income Investments", rent apartment, drive the same old truck, managed to grow my investments to $2.45 million (and growing). Turns out my retirement plans changed due to my parents getting old and needing assistance, they weren't on my radar, had planned to buy a sailboat and head for the Caribbean but went with Plan B to help parents, which is hiking in the mountains every spring. Didn't know before I retired but I really love hiking, load up my backpack and head off to Appalachian Trail every spring, could have (wish I had) retired much earlier if I new I loved hiking, that is a really low budget retirement. Approaching 70 and got weaker last trip, started out doing 12-11 miles a day up/down mountains carrying 32lb pack for first 70 miles then got weaker, had to drop to 9 miles a day and wore out at end of day, would have to drop to 7 miles a day if I continued, something is wrong. Don't know if there is something a person in their 70's can do to increase strength & endurance, trying to strengthen my legs doing 100 squats daily wearing 40lb vest. The oldest person to hike the Appalachian Trail was 83 so age isn't a limit, he had a support crew to transport food & gear ahead of him so he didn't have to carry much weight. I have a support crew named "Franklin" and "Jackson", Franklin is on the $100 and Jackson is on the $20 and they help me get everything I need.

[@ThisIsOurRetirement]

Thanks for sharing 🙂

[@peggyj7243]

Wow, nearing retirement, so you truly spoke to my " fear"...thanks for the encouragement!.

[@ThisIsOurRetirement]

You are so welcome Peggy 🙂👍

[@jackiebowen6239]

Feel so good after watching you guys. Thanks for the work you do. This one pushed me to finally order the 9" plates, which I've put off for a long time. They do make a difference on the portions; you are so right about the psych aspect.

[@ThisIsOurRetirement]

That is awesome! we are thinking of doing a video on smaller plates Jackie 🍷🙂

[@jackiebowen6239]

I would enjoy that!

[@TheAngela2C]

Good point about prevention of health deterioration after 60. Health does not have to go down quickly after certain age if you watch your diet and exercise regularly. Actually, I feel healthier in my 60 ties than I was in my 40ties, by doing cardio and some weight lifting for the last 10 years. Our most extreme journeys: Base camp Everest, Kenya safari, and more were done in our 60ties.

[@ThisIsOurRetirement]

Sounds great yes we need to be aware of diet and exercise we both walk and Tina 🏊‍♀️ swims a lot in our pool thinking positive in all areas goes a long way Cheers 🍷🙂🌺

[@glennet9613]

Exactly, the secret to a long and healthy retirement is adventure and hard exercise. I am 79 next week and we cycle, ski or hike in the Swiss mountains just about every day, I don’t feel any difference from when I was sixty and am a lot fitter than when I was fifty.

[@wendysherbert3257]

I saw The Police in concert! They are just great!

[@LadyCatherine538]

It is sobering to find one’s health slowly ebbing. My days of adventure are not behind me but going solo are. It is both prudent and safer to travel with someone as the years increase. That doesn’t prevent me from eyeing last minute travel bargains !

[@ThisIsOurRetirement]

Agree it’s all part of growing older and yes agree we all keep looking for those last minute deals 🙂🍷

[@ThisIsOurRetirement]

We totally agree 🙂🍷

[@yvonneb-t3d]

Look into house sitting, no single supplement and you can choose the location that feels comfortable for you. It's great for single female travelers.

[@lillyofthevalley7937]

59 and not retired yet but my work sched allows me to travel, my workplace is 10 mins away and have worklife balance but ailing, elderly parents is our responsibility, and always worry about them. Lucky to had the travel experiences we had. All the best to both of you!

[@jeremy1350]

Hi Tina and Norm. We got rid of the CC's many years ago. Hubby works from home. And I am the home maker. "He earns the money and I spend it!!" he he he My U.S. Disability check pays the rent. The rest of it is spent on food at the top of each month. Rarely do we eat fast food, or junk meals, or go out for dinner. Except on a special occasions. We cook all of our food. Mostly chicken, of several different iterations. We don't eat much red meat any more either. I make Japanese dinners on Saturdays, and my favorite chicken and dumplings on Tuesdays. Our freezer is stocked with food hubby buys in bundles when meat goes on sale here. We have a "stock box" of toiletries. And with my granny cart, I usually shop for a 5/6 day period. I have munchies to eat, when necessary (I am T-2 Diabetic). But we don't stock a lot of junk food per se. But the tub of Chocolate Brownie ice cream , is in my freezer !! YUM. We live a very spartan life, because of the size of our apartment. If it won't fit, we don't need it. If we can't use it, we don't buy it. Storage space is very small, and all of it is used, to the point, we have storage bins on the balcony outside. (We live 17 stories up with a protected inner balcony) so we can store outside safely. Every year I go through clothing. If we have not worn things for months or at max a year, we give all of our old stock to the folks who live in the building before we throw anything away. We set up a drop shop in the basement for things we no longer need or use. So we don't buy clothing unless we really need them. (Underwear and t-shirts, sox) (We have a large immigrant population in our building and they are not usually prepared for Montreal seasons). Whatever we can help them with, we do that gladly. I also take part in the maintenance of our building. I work with the manager here in keeping the building clean and safe. Since I have the time to devote to that. I do the bulk shopping, the house cleaning, and the laundry. Hubby shops for meal foods (Meats, Holiday birds etc.) We share lunch together while he works, and we always sit at the dinner table for dinner, uninterrupted. We laugh over silly stories and farts !!! (Yes, old men talk about farts at the dinner table !!) We talk about family and our personal news items of the day. We go to bed together and we listen to a podcast or two before we go to sleep. I think mental health is just as important and physical health. And the Pandemic really screwed us both up. On top of the fact that Hubby is Bi-Polar, and if stuck at home with nowhere to go, things got pretty dicey. If you don't take care of your mental health, and your medical health, you won't have ANY physical health, will you ?? We both have medications we take daily, and also with the Ram Q program, our max spend each, on meds monthly is $100.00. After that everything else is free. What we buy over the counter for other needs, is an out of pocket expense. So there is that to factor into your retirement spending if you are infirm, yes?? Gotta have all the bases covered because you never know when Shit is about to go South on you.

[@jetv1471]

:(. :( Going to be 65 next year and we have been putting off our hopeful van camper trip around the country … we have an aging pet that needs us now . So we are doing our short trips that involve flights now ..

[@ThisIsOurRetirement]

Hard decisions when a pet is involved we can understand things will find a way of working out Cheers 🍻🙂🍷

[@oldbloke204]

Sounds a bit like us really. A few years ago we lost a number of aging cats over a few years which was heartbreaking. We swore we wouldn't get any more but my Wife has tamed two strays who now live inside with us and is feeding a few more as well. The ones we have are very nervous of strangers so we really can't put them in a cattery or have someone stay to look after them. Result is we really can't get away for more than a day or two although I can go camping/4wd'ing or whatever on my own. Fortunately we both love home based things and we live in a very nice tourist area anyways so it isn't really an issue.

[@bluetocop]

wow 70 years is a killer i really dont want to go any where... i just snow bird in florida

[@ThisIsOurRetirement]

Age is just a number 🙂

[@amy11228]

I'm 44, hubby is 45. We are planning to retire at 59 and 60. Is it bad that we are already counting the years down? My biggest fear is something will happen with our health that is out of our control and we won't get to enjoy the retirement that we've saved all our lives for. I like that you talk about health as so many people I know don't seem to care. Many retirees that we know go out to eat for every meal, are sedentary and take a dozen prescription meds and think nothing of it. We currently cook all meals at home, are very active right now and plan to remain active into retirement. Looking forward to more time for additional healthy movement throughout the day, enjoyment of the outdoors and lots of travel!

[@ThisIsOurRetirement]

No it’s not and you seem to be on the right track Amy don’t become a couch potato, cook your own meals and keep active and you will be just fine Cheers 🍻🙂🍷🌺

[@debwlv]

❤lovely video, so helpful and upbeat and loving…..thank you for sharing!❤

[@Savannah-ed4rv]

I appreciate all of your advice here! I'm already basically retired because I am on disability, and it's definitely true that after you turn 60 years old and then get closer to 65 you feel the difference. It's hard to explain but it is a reality. And I think your transparency is really helpful because people giving retirement advice seem to portray themselves as having done everything perfectly and everything was planned well in advance etc. But life isn't usually like that and it's helpful to hear you speak about things that you would like to have done differently. It still seems that you've made excellent decisions and I'm taking all of your advice to Heart❤

[@mozerm]

As a 53 year old I have been really focusing on my fitness, diet, and mobility (flexibility). I hope to be as fit as humanly possible to age as slowly as possible. Your comments were a good reminder to keep doing this.

[@esbiermann62]

Hi maybe late to your channel - but so the 24K travel budget is for how many months? what is your budget total yearly (I think you rent and live somewhere for a few months aside from travel?). Just trying to see if this type of setup is doable for me. Thanks.

[@ThisIsOurRetirement]

We set that budget $25K for each year looking at first 10 years , yes we rent and travel whenever we want Cheers 🙂

[@bernaclischurchill4463]

You make a good point about money, I find that you don't need as much as you think you do. If you completely change your lifestyle, yes, but if you don't, it is doable, and people are afraid because they don't know what to expect.. I retired 4 1/2 yrs ago. I did a fair amount of traveling while I was working throughout the USA, but I have never traveled to Europe, simply because I'm afraid of air travel. For discounts I use AARP, do you have that in Canada. They give great discounts on travel. I, too, had to wait until I was 65, to get my job's pension & another year to get my govt pension, we call it Social Security in the USA. You were lucky, I wish I had had, the opportunity to retire early, but when I crunched the numbers, I knew it was not going to happen, so I stayed the course. Frankly, I don't know how I ever worked as long as I did. But I think a bit of insanity helps to get you thru it. Great video.

[@ThisIsOurRetirement]

Thank you 🙂🍻

[@murraytown4]

I take your point on aging, but I wonder whether the nature of travel changes. I’m a big fan of rail travel and have a couple of trips on my bucket list, but reckon that I would do them when I’m in my mid to late ‘60s. I’m ‘only’ 59 and so might favour more ‘active’ travel now. Same with foreign versus domestic travel. I’m banking on 5/7 afternoons at the gym prolonging things, but haven’t yet completely mastered dietary control. BTW, I have found intermittent fasting can be a good strategy, but really, just proper eating, at proper intervals usually does the trick.

[@ThisIsOurRetirement]

We did both “The Canadian “ and “The Zephyr “ last year and they were awesome 🚂 , if a deal comes up do it . We were going to do a River cruise 🚢 for our 40 th anniversary but two years “ 38 “before we saw the trip and did it so glad we did Murray Cheers 🍻🙂

[@barbiec4312]

Would love a video on how you do your twice a year budgeting. Not your actual numbers but just how to do it.

[@ThisIsOurRetirement]

Thanks for the idea 🙂

[@oldbloke204]

I use a very old and no longer supported program called Microsoft Money for all of our financial stuff. It's a free download now, afaik, and easy to use. The initial setup can take a bit of time but once you have everything inputted such as income, bills, investments and whatever else it's very easy to use. It has a function to balance accounts and even budgeting projections etc. I don't let it connect to any of our actual finances for security, or paranoia, reasons and just input stuff manually.

[@pedrozatravel]

It is always good to look back, but all things being equal, you did well.

[@ThisIsOurRetirement]

We think so thanks for watching 🙂

[@pamelagoodson9034]

Another great video and advice! Your last words about each other are very special. How blessed you are to have each other as partners and friends. I am blessed as well in my marriage. ❤️❤️❤️

[@ThisIsOurRetirement]

Thank you so much! we are lucky to have each other too like you Pamela Cheers 🍷🌺🙂

[@christopherbarker976]

Hi Tina & Norm great video a book I can recommend is From Strength to Strength by Arthur c Brooks some good points. Hope can get a copy well worth a read . Regards. Christopher Barker

[@ThisIsOurRetirement]

Thanks for the tip! Cheers Christopher 🇬🇧🍻🇨🇦

[@andreicastillo9113]

Appreciate you both! Thank you for sharing your life experiences. Even your relationship serves as an example for many married people out there including me. ❤

[@ThisIsOurRetirement]

Thank you so much! 🌺🙂

[@secordman]

Still working at 63 but I feel my age more. Good advice here but there are always external factors. Your kids, maybe wanting to sell your house etc. or losing a spouse.

[@ThisIsOurRetirement]

Very true! thanks for watching Cheers 🍻🙂

[@Thenext30]

When younger dinner plates were smaller. Not sure when they became so big but I’m with you smaller portions smaller plates makes it easier to take control.

[@ThisIsOurRetirement]

Very interesting we don’t know when they got bigger , but all the portions in restaurants seem to have got bigger too Cheers 🍷🙂🌺

[@heatheraho224]

I do the cooking, my husband does everything outside. , been married 37 years....yes , would I love him to take up cooking - absolutely but not happening so we all have to make the compromises......

[@ThisIsOurRetirement]

But isn’t that what makes a perfect marriage Heather 🙂

[@MILGEO]

I'm surprised that even with a $25,000 annual travel budget along with living expenses you have more now than when you started! Luck or great investors?

[@ThisIsOurRetirement]

Great investments and getting government pensions Cheers 🙂🍻

[@sulemanpiracha8123]

Another great video with nice reminders. We just noticed that we have recovered the 50% of our money spent on buying a condo in Spain a year ago, a pretty hefty increase in our portfolio. We also walk a lot more when we are in Portugal or Spain, or when traveling in general. So, we don't put up weight although we eat much more in Europe. Maybe, it is due to the non preservative foods and general healthier lifestyle there?

[@ThisIsOurRetirement]

We do find the food in Europe different, bread doesn’t bloat etc. Thanks for sharing your experience.

[@wgotowym8004]

I enjoy your channel. My parents are in their 80s and love having their own garden. My mother sends me pictures of plants and vegetables they are growing. Their car is parked in the driveway, they are able to get around but don't do it too often. They stayed with my sister in her apartment for a few months but they couldn't wait to get back to their house. They of course love my sister

[@ThisIsOurRetirement]

Everyone is different, we don't advise people just tell stories from our experience, it's wonderful your parents are fond of gardening, it's good for them!

[@kellyprice1024]

Both of us are 67. We just became mortgage free by selling our home and purchasing a condo. My husband wants to work 2 more years. Fifa cup is coming. I am not sure I want him too as I am retired and alone a lot. Waiting. I plan to do more walking. Work my way up.

[@ThisIsOurRetirement]

That’s a hard one Kelly at 67 maybe you need the conversation with hubby for him to retire now if that’s what you want we wish you well 🙂🍷

[@suebee1540]

Love your content Tina and Norm, thank you. I just booked my train trip from Halifax to Vancouver! I live on Vancouver Island so I will be flying to Halifax from here. Going to go back and watch your train trip again.

[@ThisIsOurRetirement]

That’s awesome 👏 have a great time Sue we loved our train 🚂 trip 🙂❤️

[@gkennedy2998]

Excellent advice about weight management. I am 59 and the weight just does not come off. Back in my 30s and 40s, all I had to do was diet for a week to drop 10 pounds. Eating healthfully and staying active isn't enough; even reducing portions won't get you quick results.

[@ThisIsOurRetirement]

Thanks for sharing! 🙂