Our House Sold What We Did With The Money - Fundamental Investing

Investing the equity from our house sale when we retired and downsized to an apartment. We show you when our house sold what we did with the money, fundamental investing tips. We suggest things for you to consider when downsizing from your family home and investing the capital for your retirement.
What did we do with the money from our house sale, there are certain things that are common sense, pay off any debts and credit cards you may have. Walk away from your family home debt free. Start retirement with a fresh slate and being able to live on a smaller amount of money.
Retirement and being debt free reduces greatly the stress of retiring and makes life more enjoyable and frees you of time and worry about managing paying loans on time. We were lucky our house sold and what we did with the money is our experience, we are just sharing ideas. More importantly we are not Financial Planners and if you have any doubts about your retirement income or money please find professional advice.
We are not financial advisors these videos are for entertainment purposes only, we are not giving you financial advice.
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[@FrankBatistaElJibaro]

For those in the United States, the TFSA mentioned here by Norm and Tina which is a tax deferred savings account in Canada which doesn't tax the income and is totally tax free, has an equivalent in the USA called the Roth IRA. Both work to save retirees on tax. A great vehicle to place your money in if you're interested in researching it.

[@ThisIsOurRetirement]

Thanks for the clarification Frank , it’s a great way to save tax Cheers 🍷🇺🇸🍺🇨🇦

[@janettouhey7728]

what a lovely couple . i am 64 & newly widowed . We raised 5 kids on one average salary , had a really good life and lots of fun and travelled to over 48 countries in the last 10 years . Basically we were able to accomplish this by investing in humble real estate and improving it with sweat equity and not getting into debt over cars , clothes,eating out or buying new furniture . I am so happy to have no debt ( own my own home) and also good rental income from 2 dwellings on my property to support me . So happy my husband Dennis retired at age 55 as he passed away suddenly at age 67 , leaving me a widower at age 62. I will have the funds to travel when Covid has passed and continue my passion of gardening and volunteering .

[@ThisIsOurRetirement]

We are so sorry for your loss, we are so similar in age and can't imagine this. We are happy for your time together and your travels. That's why we retired early and travelled we don't know what the future holds for us. Lots of love from us

[@tchilds1077]

Hey … I am in Australia and I just love your videos. You both make me feel so happy watching you both and how you really are a team. You give great advice and I love hearing about all the things you have learned along the way and how you share that with people,like me. My husband and I both have executive jobs and I am looking at stopping work next year (I will be 55) and my husband will work until 60. I won’t have to touch my superannuation. I have wanted to stop work for a long time but we have been working really hard to pay off a couple investment properties and become mortgage and debt free. I can’t wait be to a homemaker and hearing your stories makes me even more excited.

[@ThisIsOurRetirement]

Thanks great to hear Tanya glad you are enjoying our videos , just make sure your husband doesn’t keep working too long as that is time you can enjoy together and you can’t buy time back .Cheers 🍷🇦🇺🇨🇦😎

[@nancyelizabeth8364]

Was that your house it’s beautiful

[@barbbouma4838]

You too are adorable and I am 50 this year and trying to figure out the power of compound interest. Hoping to retire at 60 or 62 and travel the world. You two are an inspiration, and I can’t wait to keep learning from you both 🤗

[@ThisIsOurRetirement]

That’s very kind, thank you for watching, you are at the perfect age to start really planning for retirement, de cluttering etc. 😀😀

[@susanb8724]

I'm really intrigued by you selling your house and living in an apartment. I had never even considered this concept.

[@ThisIsOurRetirement]

Well have to say Susan it’s the best thing we have ever done , selling the home releases Capital to invest but all the stress of unexpected maintenance and expenses of home ownership goes away it’s wonderful. Have a great weekend Cheers 🍷🌸🙂

[@maureenpluthero8543]

I agree it is amazing! I have been retired for 4 years and my net worth has grown in that time even though half my monthly income comes from my investments.

[@ThisIsOurRetirement]

Dividends, stock market growth and compound interest is very powerful, congratulations on your wise investments. Happy retirement to you.

[@rosemary4802]

Yup my plan too I am 45, smart move. Invest home equity and have interest paid monthly wow you now have your home equity paying you. We did this with my mother's home and it basically paid her room in a private room in a nursing home was able to give her the best we could.

[@ThisIsOurRetirement]

We shouldn't be a slave to our homes but free the equity to make life easier and use the money. Glad you were able to help your Mother with this. Thanks for watching.

[@Savannah-ed4rv]

I've been watching so many of your videos and the two of you greatly impressed me! But I'm in tears literally because after my husband died he left me quite a bit of life insurance and Investments and I had not very good advice. I had a lot of debt that I wanted to pay off and my financial advisor recommended against it, and that kept me on the path of staying in debt come even though I have the money to make the payments. Then the money ran out and I still have the debt so I feel like I'll never be that comfortable even though I'm already retired on disability.

[@ThisIsOurRetirement]

We are sorry for your loss.

[@sandrocata2075]

So, May 1st is coming fast you must be getting excited about the trailer. Good luck with the final set-up of it . Hopefully it fared well this winter.

[@ThisIsOurRetirement]

We are very excited going for a first visit tomorrow Cheers 🍺🌺

[@sandrocata2075]

@@ThisIsOurRetirement Drive Safely!

[@ThisIsOurRetirement]

@@sandrocata2075 Thank you 🌺

[@rustykatt3870]

Thanks for the video! You 2 are a wonderful couple! To those wanting to buy a home or keep a home in retirement- buy a small home where you don't need a tractor or loans (lines of credit) for window improvements. Decisions at the beginning of the home purchase process will make coping with ongoing operating costs easier. Statistics show that seniors have become (way too) comfortable with debt. We can afford less than we think at the outset. Recently a lot of landlords were evicting renters in rent controlled buildings in order to do needed renovations. These buildings were then sold so the landlords do not have to rent suites out. Renters then had to find other places to live.

[@ThisIsOurRetirement]

Yes we have heard about Landlords doing that which is a shame especially if you lived there for a long time , it must be hard then having to find another place to live Good point if you want to buy a home then buying smaller one is a good idea thanks for watching Rusty have a great week Cheers 🍷🙂🍺

[@rustykatt3870]

@@ThisIsOurRetirement Hugs u 2 🤗.

[@JoeSmith-pu9hi]

Your channel is awesome.

[@ThisIsOurRetirement]

Thank you so much 🙂we are glad you enjoy it Joe 🌺

[@arfinsyed]

Thanks for your channel. You guys are showing the youngsters how we should plan for our retirement as it ought to be lived!

[@ThisIsOurRetirement]

That is very kind, we are working hard to have a good retirement.

[@beatricerights]

I'm 50 thinking of retiring at the end of the year. You're an inspiration,

[@ThisIsOurRetirement]

Sounds great if you have the funds to do it we wish you all the best 🍷🌺🍺

[@tamariodumas6895]

I love and enjoy watching people investing into dividend stocks. Very smart! I'm 43 and currently building my dividend stocks just like you. I hope and prayed the me and my wife making all the right decisions and choices before we hit retirement

[@royking7298]

Thanks for this one. Very timely for me. My house went on the market yesterday. Retirement comes in 3 weeks. Sounds like we agree on how best to manage the cash.

[@ThisIsOurRetirement]

Wonderful! good luck with the sale we wish you all the best for your retirement 22 sleeps 😴 you will have so much to do 😂Cheers 🍷🍺

[@davidfolts5893]

Many wise financial choices and a positive sequence of returns for your investments. Well done!

[@ThisIsOurRetirement]

Thanks David it worked out really well for us Cheers 🍷🌺😎

[@2legit2Kwit]

Who two bring my blood pressure down. You both are like a a warm blanket and a cup of tea.... very assuring message. I’m ready to downsize soon and looking to shelter the money. Thank you!

[@ThisIsOurRetirement]

Thank you so much we wish you well with your plans just do it !! while you can and look forward to your future. Hope you had a great weekend Cheers 🍺🐣🍷🌺

[@lesliestallard5187]

You two are a lovely couple! Being debt free and renting makes for a carefree retirement. I agree--sell, take the money & run. Excellent investing decisions, making your money work for you. I've made many of the same choices you have. Thank you for sharing.

[@ThisIsOurRetirement]

Hi Leslie sounds like we are very alike glad you enjoyed it , selling the home sets you up for a happy retirement, hope you have a great Easter 🐣 weekend Cheers 🍷🐣🌞🍺

[@Dutchy-1168]

Myself, I’ve made a Lot of “ tax free gains “ on our primary residence ...monies I don’t think I would have come close to in anything else ....plus I live rent free ! I’m thinking about buying a winter/summer residence in Saba , Dutch West Indies . Only 1900 population and No Crime ....but it can become a capital gain .

[@Claudia-yd3dd]

You both are too nice, very interesting what you have to say. Thank you for sharing, Greetings from Hamburg, Germany

[@ThisIsOurRetirement]

Thank your for your kind words

[@inquirer1016]

You're a lovely couple. I'm glad that you both made out so well and enjoying retirement. The only thing that I cringe on is going back to apartment living. It reminds me of the college days, noisy neighbors and limited space. But I can see the positive points like no hassle with maintenance or property tax. Good luck to you both.

[@ThisIsOurRetirement]

We are very fortunate we have lots of space 1350 sq ft 2 bed 2 bath and a huge balcony , great neighbours as 60% of the building are all retired LOL 😂😂 Cheers 🍷🌺🍺

[@diamondhair11]

I'm 58 so I only have a couple years to go also. My husband and I are looking into ways to save more money, also. We only owe $70,000 on our house, and have no other debt. If you are not a person who knows all about financial saving, you don't know how to save. We do have stocks, bonds, 401K, etc

[@ThisIsOurRetirement]

It is a shame that’s financial stuff isn’t taught in school 🏫 have a great weekend Cheers 🍷🍺🌺

[@MCW6229]

Hi there… I’m in US and invest a lot. There are ETFs now that are same as mutual funds but trade like stocks. Some have very low fees. There is one that tracks the div aristocrats NOBL which has a 0.4% fee. Personally I’d split money between VHT & VDC (health and consumer discretionary) instead as these have 0.1% fee and perform as good as NOBL and with less volatility. Be careful with high dividend companies, even aristocrats; some may be declining in value but pay out large divs they can barely afford - AT&T. Better off with a growing company that pays dividends they can easily afford - JNJ . Can always sell some of its stock if need more yield and pay capital gains.

[@ThisIsOurRetirement]

Thanks for sharing Mark have a wonderful week Cheers 🇺🇸💰🇨🇦

[@robertross8565]

You're a great team. Smart move keeping loads of cash to top up TFSA etc. It looks as though you have a sleep-at-night portfolio.

[@ThisIsOurRetirement]

We sleep extremely well Robert, thanks so much for watching.

[@robertross8565]

@@ThisIsOurRetirement Good to hear.

[@rosemaryhuegel9297]

You both are the cutest couple ever I’m so glad I found your channel wish there were more neighbors like you just wonderful people thank you

[@ThisIsOurRetirement]

Aah that’s really sweet thank you , glad you are enjoying our channel we hope you have a great weekend Cheers 🍺🐣🍷🌺

[@MagentaOtterTravels]

I agree! They are so positive and cheerful. They are a pleasure to watch 💖

[@ThisIsOurRetirement]

@@MagentaOtterTravels Thanks for your lovely comment hope you both have a great weekend Cheers 🌺🍷🍺🐣

[@koichiando3500]

Investment allocation is good. Great plan.

[@staycasual7203]

Everytime I hear “Norm” it kills me laughing 😂. Salute from Bury St Edmunds, Suffolk. I hope to follow you out to Canada one day. Peace ✌️

[@ThisIsOurRetirement]

Thanks for watching have a great weekend Cheers 🍷🌺🍺

[@heyjenb]

You two are adorable, I love the fun you clearly have in filming your videos, your enthusiasm is infectious. I also live in Toronto, I'm 51 and thinking more and more about how I will be able to retire. Thank you for your videos!

[@bluenoser1567]

Ha Ha! Great story. Sounds like you know a thing or two about saving and investing. Good advice and you are fun to watch ... Cheers

[@ThisIsOurRetirement]

Thanks for watching!

[@abbibrophy7671]

love your channel!!!

[@ThisIsOurRetirement]

Thank you so much!! enjoy your day Cheers 🍷🌺🍷

[@CogenMan3]

Another great video guys. My wife Deirdre and I seem to mirror what you guys did. We retired at 61 and 63 years young. We both started our CPP when we retired. Me at 61 and my wife at 63. Sold our paid off house just about 1 year ago and went into a 2 bedroom, 2 bath apartment with in suite laundry. We also bought TFSA's to the max so about $70K each minus the 2020 tax year. Never thought to do it for 2020 so missed out on that. The remainder of the house sale money went into an unregistered account with our Wood Gundy retirement accounts. A high interest investment account to keep it as liquid as possible. Might have to do something with that eventually. We haven't started drawing any income from our retirement portfolio's. We have/had money in the bank to live off of for the last 2-3 years without touching any RRSP's. We also are a big believer in dividend paying stocks. It's the only ones we have. Keep up the great work guys and stay safe.

[@ThisIsOurRetirement]

Thanks so much, great to hear your story just an FYI the TFSA payment for any year doesn’t go away, you can still contribute for a previous year at anytime, you just can contribute more than the maximum limit which is $75500 each. Thanks for watching our video we do appreciate it. Happy Easter.

[@wmharris9084]

Charming couple. Blessings on them! Appreciate how she said oh my goodness and didn't take the Lord's name in vain like so many do without a thought.

[@ThisIsOurRetirement]

Thanks for watching enjoy your day 🌺🍷

[@patsycathcart1]

You’re videos are so practical and exactly what we need to hear…. Just wish you were in the US. ❤

[@margaretdiscenza795]

Would love to see an apartment tour. Your place looks beautiful.

[@amirfardin13]

Thanks for the good and informative videos. A question: when you sold your house, did you consider not selling and renting it out or selling and purchasing other home/homes in areas where rental income would be good. In other words, rental income vs investment in savings/stocks. A video on that would be great too. Thanks again.

[@ThisIsOurRetirement]

This was a big part of our retirement plan to always sell the house and invest the money 💰 for our retirement, had we kept it or bought another place we wouldn’t of been able to take early retirement Cheers 🍷🌺🌺

[@freddykabulaschnitza2475]

You both affirm my belief that the English are the nicest people on earth, and the smartest, with a total absence of any arrogance. How I wish I was like your fabulous people.

[@ThisIsOurRetirement]

Thanks for your lovely comment enjoy your weekend 🍺🐣🍷

[@rajeshkumarpatel8412]

Very interesting!! I learned how to manage life.....Thanks

[@vkchaitanya2003]

Tina has a lovely smile, hope you have a great retirement

[@ThisIsOurRetirement]

Thank you your very kind

[@neilwadden1749]

What a wonderful happy couple. I’m happy to be a subscriber.

[@ThisIsOurRetirement]

Welcome aboard! we appreciate your support Cheers 🍷🌺🍺

[@DigitalMentorGroup]

Like most people here, I found you two via KZbin's algorithm, and based on the two videos I've seen, I subscribed. I appreciate the Canadian point of view on retirement, the financial instrument references, and the use of Canadian-based jargon terms like TFSA, RRSP, CPP, and other , familiar to us terminology. From the two videos I've seen, you are providing sound financial advice!

[@ThisIsOurRetirement]

Awesome! Thank you! glad you can relate to our stories , we aren’t financial advisers but what we know might help others . Happy Easter 🐣 Cheers 🍷🐣🍺🌺

[@ddavidson5]

I think in retirement having 50% of your money in secure cash or near cash investments is often a good idea. It buffers you against volatile markets and you have money you can count on. There's a lot to be said for peace of mind when you are retired. My investment mix is quite a bit different from yours and we haven't started our CPP & OAS yet (we are waiting until age 70) but we've been retired for 6 years, travelled etc., and like you our capital has hardly budged. Of course there have been good markets over that time, and sooner or later that will change, but it sure is confidence building after you take that step into retirement with no certainty of how your finances will pan out.

[@ThisIsOurRetirement]

The last 5 years have been quite uncertain financially, three good market corrections and a pandemic! The old saying cash is king is haunting us lol. We think not being greedy for returns is prudent at the moment. Thanks so much for watching, have a nice weekend.

[@rosiej9231]

Love your videos!!! Your bungalow is beautiful with plenty of yard space. I had been wanting to sell and downsize to a condo but hubby’s not ready to give up land and garden, with Covid and all I’m actually glad to have this space. Being in the GTA though with a large 4 bdrm home and a crazy market, it’s also tempting to cash out.

[@ThisIsOurRetirement]

Hi Rosie for it to work you both need to be on the same page and ready for a change if you sold now and rented it would be like winning the jackpot 🎰 and set you up greatly for retirement but we are all different. We loved our bungalow we were there 19 years but it was time to move on and move into early retirement. Have a great weekend Cheers 🌺🐣🍷🍺

[@rosiej9231]

@@ThisIsOurRetirement Rents in the GTA are crazy high though. We’d never get the size and amenities you have for what you pay.

[@colinvos4443]

Hello. We just found your site yesterday. You've made some smart choices there. Thanks for sharing. We will continue to watch as decisions are always forthcoming for us too. Happy Easter to you.

[@ThisIsOurRetirement]

Thanks for watching and welcome to our channel hope you found it helpful, we hope you have a great sunny weekend Cheers 🍺🐣🍷🌺

[@raysboatingandadventure1277]

I agree with what you think! Good job in my view.

[@ThisIsOurRetirement]

Thanks Ray it has worked for us Cheers 🍷🌺🍺

[@moewilson4605]

I will love when every day is a Saturday.

[@ThisIsOurRetirement]

We hope you get there soon Moe Cheers 🍷🌺🍺

[@vicster8178]

I also do dividend stocks and I recommend PIC.A Premium Income, on the Toronto Stock exchange 20% they only hold Canadian Bank Stocks.

[@ThisIsOurRetirement]

Thanks for your tip!

[@IamaDutch-Kiwi]

Another clear and informative 'Saturday Session'. We elected to buy our apartment as opposed to rent so that is a huge difference in our situation. I think many people wait too long before looking into all the possibilities they will face at retirement so your videos are certainly a good wake up call and valued asset to those already orientating themselves. Happy Easter- and before you know it it'll be Saturday again. Time sure appears to be flying. 🐣 🌷 👍 🎥 🌸 🙋‍♀️

[@ThisIsOurRetirement]

The days do pass so quickly, how did we ever find time to work 😂 The longer you wait to make change the more difficult it becomes and stressful. Thanks for spending time with us on Saturday, see you next week 😀😀👍❤️

[@IamaDutch-Kiwi]

@@ThisIsOurRetirement with bells on! 😂😂😂😂. I have to agree with you about the 'in time' as we see a few people who regret the move but now decide against it and hit many unforeseen bumps in the road. 🥂🍾🐣

[@cinccave5459]

And I though I retired early at age 63. I've also been retired for over 5 years and like you though not rich I'm in no danger of having to eat cat food either.

[@ThisIsOurRetirement]

Thanks for watching Cheers 🍷🌺🍺

[@carolinetreacy5188]

What did you do for a living prior to retiring? love your shows

[@ThisIsOurRetirement]

Sales Representatives both of us

[@jeffsansome90]

I'm in my early 40's, you guys remind me of my parents, who are also from England (came to Canada in '73), relatively newly retired, have a travel trailer etc. I think ultimately they should go down a similar path selling their home and travelling but it's tough to part ways with the home they've been living in for over 40 years now. I really enjoy watching your videos and you have me thinking about my own retirement now also. I'm starting to accumulate dividend paying stocks, and would be curious about your next video on passive income...You have a new subscriber!!

[@princesskaitlinhazelwood4703]

Wow, congratulations. We are going on our second cruise in 2022. We got a deal. So excited

[@ThisIsOurRetirement]

Wow that sounds great we are happy for you, hope it’s a great cruise 🚢 where abouts will you be cruising. We hope you have a great Easter 🐣 weekend Cheers 🍷🐣🍺🌺

[@markpowellmp]

You two are obviously so happy together and financially savvy. My wife and I are in a similar position to you, and I think what you do is great. As a Gibraltar fanatic, did you ever get there on your travels and what did you think?

[@ThisIsOurRetirement]

Actually no we haven’t been to Gibraltar , we thought about it on our last Portugal trip but didn’t get there , it is on the bucket list thanks for watching 🌎Cheers 🍷🌺🍺

[@markpowellmp]

You missed out there 🇬🇮 If you ever go let me know and we could meet up. We’re in the UK….

[@ThisIsOurRetirement]

Thanks for the offer 🌺🇬🇮

[@SimonEllwood]

The Apes are very naughty.

[@carmichaelcourt3440]

Excellent advice to anyone really.

[@lotus57100]

You two have really invested wisely and made some smart decisions in my opinion. We're retired as well, however after 6 kids (all grown) it wasn't always easy financially. We're comfortable and happy. One thing we held on to was our cottage. Our great escape, especially since covid.

[@ThisIsOurRetirement]

Sounds wonderful Cheers 🍷🌺🍺

[@Bmcgro]

Thanks for sharing, stay safe 🙂

[@MamaLlama007]

Wonderful info. Thank you

[@ThisIsOurRetirement]

Glad it was helpful!

[@dagre1839]

Great!! This is a really interesting video

[@ThisIsOurRetirement]

Glad you think so! glad you enjoyed it Cheers Da 🍷🌺😎

[@marksmith7896]

Good advice !!!! Working on a "side hustle" !!!!! Looking forward !!!!Cheers !!!!

[@ThisIsOurRetirement]

Thanks for watching hopefully you will enjoy next weeks on side hustles , we hope you have a great sunny weekend Cheers 🍺🐣🌺🍷

[@LKTreePalm]

Tina and Norm, we love you both! We appreciate you sharing what strategy you both utilized and some of the benefits you've received from your investment approach. You're content continues to be enjoyable to watch and very informative. Best wishes to you both! Thanks!!

[@ThisIsOurRetirement]

Thanks for your lovely comment we appreciate it and encourages us to do more videos, We hope you have a wonderful Easter 🐣 weekend Cheers 🍺🐣🍷🌺

[@Duke_of_Prunes]

Great stock picks! I also have Enbridge in my Fidelity account -- great dividend.

[@ThisIsOurRetirement]

Thanks there are some great dividend stocks in Canada

[@fum00A]

Interesting that you can contribute to the TFSA without having any earned income. That isn't possible in the United States.

[@ThisIsOurRetirement]

The TFSA is a wonderful scheme to save money 💰 enjoy your weekend Cheers 🌺🍷🍺

[@clarkpalace]

Unfortunately either life has changed or I have. Its getting harder to deal with our fellow humans. Best to cash out and minimize the need for human dealings, particularly around business affairs

[@jackhsiehhautecouture]

as someone in their 30s i will buy all of those stocks and hold.

[@JeannettePaterakis1]

you are great,such a great information,thanks ,many warm greetings

[@ThisIsOurRetirement]

Thank you too!

[@MsOnitemi]

I used to think Norm was saying ‘Team’😂. I was so amazed at how they referred to each other. I just realized he is saying ‘Tin’ (for Tina). I love you both! So much love, friendship and respect😍

[@ThisIsOurRetirement]

Thanks for your kind comment we hope you have a wonderful Easter 🐣 weekend Cheers 🍷🐣🌺🍺

[@pkc456]

I really like your videos. You inspired me :)

[@ThisIsOurRetirement]

Awesome! Thank you! 🌺

[@iczemi]

Thank you.

[@ThisIsOurRetirement]

You're welcome! thanks for watching Cheers 🍷🌺🍺

[@JohnsDeb]

Great video!

[@ThisIsOurRetirement]

Glad you enjoyed it Debbie have a wonderful weekend Cheers 🍷🌺🙂

[@doodleacademy]

I haven't been a subscriber for long, but I have to say that your channel is at the top of my list of favorite channels right now :) So glad that I found you! Your content is really interesting and helpful for people who have already retired or those who are thinking about retirement (me). I appreciate that you are both calm, sensible, and down-to-earth. And I really like that you are both members of the same 'team' that is working together to make your retirement the best it can be. How wonderful! Best to you both and stay safe.

[@ThisIsOurRetirement]

Thanks so much and we appreciate your support for early retirement to work you both need to be on the same page for it to work . We jointly decided to sell the house invest the money 💰 and rent that was 5 years ago and we haven’t looked back . Hope you have a great Easter 🐣 weekend Cheers 🍷🌺🍺🐣

[@RC-fh2lk]

Great information from two people that could be a neighbour to anyone....and Free!!! Sounds like a plan that was in the works for a long time. My wife and I plan on a similar future. I like that you kept half of your capital in cash!!

[@ThisIsOurRetirement]

Thanks for watching putting half your capital in cash 💰 gives you a very secure feeling we wish you and your wife well in your plans have a great weekend Cheers 🍷🐣🌺🍺

[@baratbushan8230]

Nice post with regards By Adv T E Barat Bushan Senior Advocate High Court Chennai

[@ThisIsOurRetirement]

Thank you

[@chasharper]

Norm and Tina, Thank you both for sharing this with us I am sure it will help many . Wishing you both a fantastic week my friends big like here as always. 👋😎

[@ThisIsOurRetirement]

Thank you! You too! always nice to see you Chas hope you are well and staying safe have a great week Cheers 🍺🌺🍷

[@user-ch2lp9er6p]

Thank you for the information. Discovered your channel and love it! Look forward to future videos from you. Awesome couple, I love the way you two communicate. Very helpful!

[@mariaandbryan]

Paying debts is the first step to true freedom indeed. Good that it allowed you to get to travel for those 4 years, and hope you have many more travels ahead of you. Dividends are important indeed. The key is to manage and to plan properly. Excited to see the next video. Have a great weekend couple

[@ThisIsOurRetirement]

Hi Maria Taking hold of your finances is a way to take control of your life. You are both living the dream, having a great time in Turkey. Thanks for stopping by.

[@cheriebarnett]

Hi Norm and Tina, I truly enjoyed watching your video about the things that surprised you when you moved to Canada. I moved to Canada from the U.S and had a few surprises of my own. I also liked your ideas about living in Portugal during the winter. My nephew and his wife purchased a beautiful one hundred and fifty year old home there, and across the courtyard are five three hundred square foot one bedroom apartments. He is deciding what he wants to do with them. I am thinking of renting one during the winter months. Perhaps it could be an answer to your query as well. We have to grab all the gusto while there is still gusto to grab. As soon as it is safe to fly I am going to take a look. Thank you for the entertainment. I have subscribed, rang the bell, and clicked on thumbs up, and I look forward to visiting with you again next Saturday, and in the meantime, I will be watching those that you have already produced. I wish you all the best in this season of growth and renewal. Kind regards, Cherie

[@ThisIsOurRetirement]

Hi Cherie, sound very interesting, we are counting the days until we can travel again. Winters in Portugal are so nice. Have a wonderful weekend. Thanks for your support we really appreciate it.

[@jip230]

Thank you for sharing your financial journey with everyone! Wise financial decisions from the sale of your home

[@ThisIsOurRetirement]

Our pleasure! have a great weekend Cheers 🍺🐣🍷

[@vinessacampbell3337]

Travel to Scottland. It's worth it!

[@ThisIsOurRetirement]

Yes it is Norm was born in Scotland been there so many times. 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇨🇦

[@vinessacampbell3337]

My bucket list. Thank you!

[@elyerrey7750]

I would love to, we have 2 little granddaughters in Edinburgh that we haven’t seen since COVID began😢. Ontario Granma🥰

[@barbarianarmwrestling8695]

All in all some good plans and somewhat hedged but CPP is not quite the same as social security in the US plus with the increase in the real estate that far exceeds passive investing profitability I don't see the reasoning to rent over own. Maybe downsizing to a condo in a cheaper market would be a better option. Seeing that you're confident in dividend stocks, why wouldn't you self invest dividends in your TFSA rather than high interest accounts there? I guess it suits your lifestyle to travel but trailer park living in the summer also comes with extra costs and responsibilities/restrictions to the lot so you may as well own. My wife is from the U.S and I have opted to take my CCP early but my Canadian Old Age pension and benefits will bring an added level of freedom as well as ownership downsizing (condo) can provide a great hedge and TFSA max out will guard us against clawbacks.

[@ThisIsOurRetirement]

Property ownership comes with unplanned unexpected maintenance repair costs, renting does not, the costs of ownership are not the profound pocket, real estates sales commission, lawyer fees, land transfer and moving costs. Most people have no idea about carrying costs of home. ownership. You either get it or not.

[@malcolmalexander5246]

That's a good one. Interesting about keeping the money pot to what it was whilst enjoying all those cruises. Possibly similar to things we do although I tend to choose Funds rather than stocks for investing. The return is good and the risk is greatly reduced. Some index linked funds like Vanguard have huge holdings, some with thousands of companies in one fund so the risk is considerably reduced. You could actually hold only one fund and be spread so widely that the normal ups and downs of stock markets are hardly worth talking about.. I like the sound of the Aristocrat dividends. I haven't heard of those but they may be something that is available in Canada and USA, but not UK? Will now look for more of your interesting videos.

[@ThisIsOurRetirement]

We are so glad you are enjoying our videos, actually the Aristocrat stocks are in the UK 🇬🇧 too , it was a nice feeling selling our home 🏡 then investing the money which is nicely generating dividends, have a great weekend Cheers 🍷🇬🇧🍺🇨🇦

[@malcolmalexander5246]

@@ThisIsOurRetirement Thank you. I have been looking at them between your video's and some look very interesting.

[@ThisIsOurRetirement]

@@malcolmalexander5246 That’s great we are not advising you to invest , we are just telling our story Cheers 🍷🇬🇧🍺🇨🇦

[@yarabamba]

OMG So financially savvy.

[@ThisIsOurRetirement]

Thank you

[@kevinfestner6126]

In the US, this would be NOBL and REGL. Here, AT&T is a high dividend safe stock.

[@ThisIsOurRetirement]

Thanks for watching Cheers 🌺🍷🍺

[@crystalfolse3208]

Good info

[@ThisIsOurRetirement]

Glad you think so! Cheers 🙂

[@davidcromwell5610]

Thank you for sharing this valuable information. Greatly appreciated!

[@hondahomer]

Hi we are very excited about this great information. How can we find out more about it from you

[@ThisIsOurRetirement]

We have lots of different videos talking about what we have done in our early retirement hope you enjoy them Cheers 🍺🌺🍷

[@BrokenDreamsReborn]

Congratulations on the sale of your house! Thanks for sharing! ~ Shion and Matthew

[@ThisIsOurRetirement]

Thanks for watching we really appreciate it.

[@justinmacumber]

That is a beautiful house.

[@cayrick]

Not so sure I would have unloaded the house. We are going it seems like hyperinflation Wymar style. In the past year lumber is up 400%. In a house you had a currency hedge and locked in your housing cost. With all the money printing, keeping money in paper currencies could be very high risk.

[@annienguyen5025]

I agreed that’s why foreigner buying houses here

[@tsocanuck]

What you have explained is exactly what i have done ....the quarterly dividends my wife and i get from our tfsa i deposit into my chequing account and just use that for expenditures .

[@ThisIsOurRetirement]

Great minds think alike 😂😂 We are lucky to have this, one small tax concession.

[@ijg4427]

to keep your GIS (Canada) it may be better to take UK OAP later (get more of the frozen pension) it is taxable income in Canada

[@ThisIsOurRetirement]

Anytime you take it it is taxable 🌺

[@ijg4427]

@@ThisIsOurRetirement, yes, but having it may increase your income perhaps beyond the GIS threshold? So having HIGHER frozen OAP later may be better?

[@ThisIsOurRetirement]

you are right it is a delicate balance, thanks for your suggestions, the reality is with KZbin and pensions and side hustle GIS for us is on borrowed time.

[@clivelangham435]

Thank you very much for this information. I really enjoy all of your videos.

[@ThisIsOurRetirement]

Glad you like them! have a great weekend Cheers 🍷🐣🍺🌺

[@65Davis65]

thanks

[@ThisIsOurRetirement]

You're welcome! thanks for watching 🍺

[@helenboudreau7360]

Smart move

[@ThisIsOurRetirement]

We are glad we sold when we did Helen now with prices of homes so high there is going to be a big shortage of young people being able to afford to buy them 🤔 Cheers 🌺🍷🙂

[@frankmcdonough1961]

It is great to see how you are pivoting and adapting the channel. Great to see so many new followers and the number of views. Congratulations! Keep up the good work! Frank and Sue Cambridge ON

[@ThisIsOurRetirement]

Hi Frank, Thanks so much, the pandemic has given us an opportunity we might have missed, we really enjoy these retirement talks but we would love to be traveling right now. Keep well Norm & Tina

[@nancyesposito1020]

Okay I'm a newbie so bear with me! Trying to figure out the dividend stocks doing all the research but how do you buy dividend stocks within your retirement account? Appreciate any advice on this or direction. Thank you you guys are wonderful and you have helped me to put a plan in place! Is it like a brokerage account where you're designate with stocks. Can you control it yourself buying and selling on your own or you have to go through a brokerage?

[@ThisIsOurRetirement]

It doesn’t matter if you have an RRSP already, future payments can be directed to a discount brokerage like Questrade, or InvestorLine, etc you contribute the payment to them and then buy dividend stocks and then the dividends are paid into the account. You can also do the same for TFSA.

[@vinjmc9320]

Hi Nancy I recommend you get a FA who'd help you with these. Make sure to ask for a proper guidance before dealing with this market. it's the best bet you can have. I use trade signals from a US regulated broker and investment advisor Monica Sullivan Javorcic. Check her out and get in touch if you'd need help. Good luck

[@tonydomingos4548]

An FA is fine if you don’t mind losing 2.5 percent of your 4 to 6 percent return on investment. Most FA’s are non-fiduciary which means they make money on your back regardless of whether you make money or not. If you a going to get advice from an FA make sure it’s a fee based advisor. If the service is “FREE” then their hands will be in your wallet all the time. There’s lots of information out there on the internet, do your homework, focus on safer aristocrat dividend stocks and remember the key to succeeding is not timing the market but rather TIME IN THE MARKET!!!

[@zigarten]

@@tonydomingos4548 not everyone is out to gouge. Calm down.

[@ccirulli]

thanks much

[@ThisIsOurRetirement]

You're welcome

[@barbaraebner5889]

Your home was beautiful. Do you miss it?

[@ThisIsOurRetirement]

No we loved it when we were there Barbara but it was time to move on to our new chapter in life and let another new young family have their time there Cheers 🍷🌺🙂

[@MagentaOtterTravels]

I agree it’s good to have a cash cushion for security! 💰

[@ThisIsOurRetirement]

Yes we like it that way 💰helps sleep 😴 at night 🍷🍺

[@MagentaOtterTravels]

@@ThisIsOurRetirement amen! 😴

[@danielle7292]

Happy Easter Tina and Norm. Thanks for another enjoyable video. We've started using Vanguard to invest for our retirement. We like the diversification it offers and we've been happy with the returns too :-)

[@ThisIsOurRetirement]

Sounds great Danielle , hope you have a wonderful Easter 🐣 weekend Cheers 🌺🐣🍷🍺

[@StreamlineFinancial]

Great tips, you two! Thanks for sharing your journey with us.

[@ThisIsOurRetirement]

You are welcome glad you found it helpful, we hope you have a wonderful Easter 🐣 weekend Cheers 🍷🐣🍺🌺

[@StreamlineFinancial]

@@ThisIsOurRetirement Happy Easter to you too!

[@ThisIsOurRetirement]

@@StreamlineFinancial Thanks 🐣🌺

[@fitbetterme5594]

I can only dream of living in a house as beautiful as the house you sold.

[@ThisIsOurRetirement]

Thanks for watching have a wonderful day Cheers 🍺🍷🌺

[@paulenright]

Excellent advice 👍