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

[@tanyam3090]

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 🍷🇦🇺🇨🇦😎

[@koichiando3500]

Investment allocation is good. Great plan.

[@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. 😀😀

[@margaretdiscenza795]

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

[@patsycathcart1]

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

[@abbibrophy7671]

love your channel!!!

[@ThisIsOurRetirement]

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

[@neilwadden1749]

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

[@ThisIsOurRetirement]

Welcome aboard! we appreciate your support Cheers 🍷🌺🍺

[@raysboatingandadventure1277]

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

[@ThisIsOurRetirement]

Thanks Ray it has worked for us Cheers 🍷🌺🍺

[@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

[@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 🍷🌺😎

[@pkc456]

I really like your videos. You inspired me :)

[@ThisIsOurRetirement]

Awesome! Thank you! 🌺

[@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!

[@iczemi]

Thank you.

[@ThisIsOurRetirement]

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

[@dagre1839]

Great!! This is a really interesting video

[@ThisIsOurRetirement]

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

[@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 🍷🌸🙂

[@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 🍷🍺

[@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 🍷🌺🍺

[@MamaLlama007]

Wonderful info. Thank you

[@ThisIsOurRetirement]

Glad it was helpful!

[@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.

[@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 🌺

[@JohnsDeb]

Great video!

[@ThisIsOurRetirement]

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

[@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

[@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 🍷🌺🍺

[@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 🍺🐣🍷🌺

[@Bmcgro]

Thanks for sharing, stay safe 🙂

[@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

[@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.

[@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.

[@JeannettePaterakis1]

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

[@ThisIsOurRetirement]

Thank you too!

[@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 🍺🐣🌺🍷

[@ccirulli]

thanks much

[@ThisIsOurRetirement]

You're welcome

[@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.

[@crystalfolse3208]

Good info

[@ThisIsOurRetirement]

Glad you think so! Cheers 🙂

[@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 🍷🐣🍺🌺

[@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 🍷🌺🍺

[@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 🤗.

[@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 🍷🐣🍺🌺

[@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.

[@rajeshkumarpatel8412]

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

[@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 🌺🍷🙂

[@malgorzatamozdzen6929]

I’m so glad I found your channel. 😊 I love to watching you and thank you for sharing great info. I can’t wait until next video. 💕💕 Happy Easter. 🐣🐰🐥

[@ThisIsOurRetirement]

You are so welcome! Happy Easter 🐣 and enjoy your weekend Cheers 🍷🐣🍺

[@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 🍺🐣🍷

[@65Davis65]

thanks

[@ThisIsOurRetirement]

You're welcome! thanks for watching 🍺

[@yarabamba]

OMG So financially savvy.

[@ThisIsOurRetirement]

Thank you

[@carmichaelcourt3440]

Excellent advice to anyone really.

[@ATJHTRAVELS]

Enjoyed this another wonderful video sledgehammered that like button stay safe awesome and blessed

[@ThisIsOurRetirement]

Thank you! You too!

[@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 🍷🐣🌺🍺

[@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 🍷🇬🇧🍺🇨🇦

[@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

[@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.

[@24hourtravellers]

Tuning in from Malaysia. ❤

[@ThisIsOurRetirement]

Thank you so much

[@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 🌺🐣🍷🍺

[@moewilson4605]

I will love when every day is a Saturday.

[@ThisIsOurRetirement]

We hope you get there soon Moe 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! 😴

[@BrokenDreamsReborn]

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

[@ThisIsOurRetirement]

Thanks for watching we really appreciate it.

[@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 🍺🌺🍷

[@carolinetreacy5188]

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

[@ThisIsOurRetirement]

Sales Representatives both of us

[@RODPIKERDRONESUK]

Thanks for sharing cheers

[@ThisIsOurRetirement]

Thanks for the visit

[@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. 🥂🍾🐣

[@jackhsiehhautecouture]

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

[@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 🍷🌺🌺

[@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.

[@kle-j-cung-me]

Happy weekend! So glad y’all come back again! 🥰

[@ThisIsOurRetirement]

Thanks for watching we hope you enjoy your weekend Cheers 🍷🐣🍺🌺

[@smsmyth]

Just discovered your channel thank you for sharing! ... Question: do you hold your CDN dividend stocks inside your TFSA and or RRSPs ?

[@ThisIsOurRetirement]

Inside our TFSA we have maxed out and we have a few in RRSP but RRSP are mainly USA dividend stocks, to prevent USA withholding tax on dividends.

[@smsmyth]

@@ThisIsOurRetirement Thank you 🇨🇦👍

[@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!

[@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 🍷🌺🍺🐣

[@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 🐣🌺

[@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 🍺🐣🍷🌺

[@dbarlas1]

Thanks for the links to books etc on your channel. I used the Amazon link to order the fodors on Portugal. Hoping there are tips on where to stay. If you can provide tips on rentals while traveling in Portugal we would appreciate that. Doing lots of research during the pandemic so we can be prepared when all this is over. Thanks for all your advice, love your channel 👍

[@ThisIsOurRetirement]

Glad you found them useful, when we travel we look at VRBO, trip advisor, Air BandB and sites directly if it’s a Hotel 🏨. at the moment in Portugal 🇵🇹 lots of Hotels and rentals are closed due to the Covid restrictions so we aren’t sure what will be open next year . We are hoping that travel could be Winter 2022 but that might not happen . Have a great Easter weekend Cheers 🍺🐣🍷🌺

[@SLOlverStudio]

Awww sweet lovely couple, this is so fantastic another interesting topic and idea great beautiful house you have before 😃 you both are magnificent and an inspiring 😃 thank you so much for always giving us something so important info very helpful 💯💕😃

[@ThisIsOurRetirement]

Thank you so much for your wonderful comment, it is so encouraging for us, have a great weekend 💕😀😀

[@SLOlverStudio]

@@ThisIsOurRetirement and you both are so kind and amazing, this is really so helpful, excellent content 💕 we're more thankful to both of you lovely couple 💕😃 💯

[@TucsonArizona]

Good video! Thanks for sharing! 😁

[@ThisIsOurRetirement]

Thanks for watching!

[@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 🍷🐣🌞🍺

[@davidhemphill2755]

Love your retirement tips. Were you covered for any health expenses like prescriptions when you retired early? Thanks

[@ThisIsOurRetirement]

No we pay out of pocket, lucky only one med and it’s very cheap, we also asked the pharmacist for a lower price and they agreed. Eye glasses we buy online saving $300 to $400.

[@davidhemphill2755]

Tanks@@ThisIsOurRetirement

[@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.

[@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.

[@clivebuckwheat]

I just subscribed because both of them seem like really nice people.

[@ThisIsOurRetirement]

Thank you so much 🍷🌺🍺

[@clivebuckwheat]

Living in Canada all my life, I'd like to see a video of the foods that you miss from England that you can't get in Canada, I am sure there is a list, and Vice Versa, what Canadian foods do you love that you can't get in England?

[@ThisIsOurRetirement]

@@clivebuckwheat Thanks for the suggestion actually don’t really miss much food from 🇬🇧 UK but one Canadian food is Poutine you don’t get in UK 😂

[@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 🍷🌺🍺

[@markaury143]

Hello, it appears you did not used RRSP?may I know why? many thanks for info, really great inspiration!!!

[@ThisIsOurRetirement]

We were not going to benefit much from our contributions as we were not high income earners so it was more worthwhile to pay our mortgage off early.

[@MagentaOtterTravels]

Thanks for making this video! I have been wondering about this very question!

[@ThisIsOurRetirement]

Glad it was helpful!

[@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 🌺🍷

[@edubermudez]

Big like and happy weekend my dears friends👍

[@ThisIsOurRetirement]

Hi Edu TFW hope you have a great Easter 🐣 weekend 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.

[@fififinance7469]

Top work! 😍

[@ThisIsOurRetirement]

Thanks for watching have a great weekend Cheers 🍷🐣🍺🌺

[@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.

[@nicolerogers5859]

Hi! Just started watching your videos this week. My husband and I are both 52 and retirement will likely be at 60. Do u do all your own financial planning for did you hire a person or firm? If you hired, any recommendation on what to look for? Thanks! Happy new year!

[@ThisIsOurRetirement]

Yes we do our own financial planning it’s a hobby for us and another learning opportunity, when you research it, it becomes quite simple. Maybe start by asking family and friends for a recommendation or stop by your bank and talk to a financial advisor. Thanks for watching our videos we really appreciate it.

[@stevenhull5025]

I advise you to do your own financial planning. I once had a so called "financial planner" visit me at home. After a few minutes of pleasantries I asked to see his own personal bank statement. "What for?" he muttered. Needless to say, he refused to disclose his own financial position to me and made a hasty retreat. Be aware, 'financial advisers' get 'financial kickbacks' from the companies whose products and services they recommend and many live on the breadline themselves.

[@ThisIsOurRetirement]

@@stevenhull5025 Wow interesting story thanks for sharing Cheers 🍷🌺🍺

[@virnsky]

Thanks for this video Tina and Norm. Very informative!

[@ThisIsOurRetirement]

Glad it was helpful!

[@vkchaitanya2003]

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

[@ThisIsOurRetirement]

Thank you your very kind

[@dougdoty4718]

I saw your RV from Ontario to Vancouver. I am interested in the dates, I know it was April but the day you left

[@ThisIsOurRetirement]

We left April 23 from Toronto the trip finished May 7 th, due to the awful flooding in BC some of where we travelled might not be possible now 🤔Cheers 🍷🇨🇦🍺

[@dougdoty4718]

Thanks for your snow pictures and... I was planning to leave Victoria April 15 th. I don't think I will make the time I had planned if I have weather like the video.

[@ThisIsOurRetirement]

@@dougdoty4718 It was definitely eventful weather ☃❄yes good idea to allow extra time for your trip 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 🍷🍺🌺

[@gunnertravel]

that is a very nice tips, really informative. Thank you for sharing

[@ThisIsOurRetirement]

Glad it was helpful! stay safe and well Cheers 🍷🍺🌺

[@PositiveMommaLife]

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 🍺🐣🍷🌺

[@MyBackyardGarden]

I enjoy your stories and suggestions. Thanks for sharing and take care!

[@ThisIsOurRetirement]

Glad you like them!

[@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.

[@lightdancer4146]

Hello both! Did you go to a financial advisor or decide on your investments yourselves through research? I’m in Blighty so things are different over here, of course (and changing all the time!). Thank you for your lovely videos x

[@ThisIsOurRetirement]

No we didn’t have a Financial advisor we have done it all our selves after research hope you have a great weekend Cheers 🇬🇧☕️🇨🇦

[@lightdancer4146]

Thank you Norman & Tina. My instinct is to do my own research as to future-proofing my finances. You’ve been most helpful. Enjoy your weekend too…it’s blinking cold and foggy in Somerset today so its DVDs and hot chocolate for us 😂🇬🇧

[@ThisIsOurRetirement]

You maybe able to take a finance course through the local education system (night school), on personal finance to get a greater knowledge of personal finance and investing. Have a great weekend.

[@lightdancer4146]

That’s a really good idea, I’m going to look into it. Ta 🇬🇧

[@baratbushan8230]

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

[@ThisIsOurRetirement]

Thank you

[@justinmacumber]

That is a beautiful house.

[@flodon10]

Another great video, thank you and have a wonderful weekend.🙏

[@ThisIsOurRetirement]

Thank you! have a wonderful Easter 🐣 weekend Cheers 🌺🐣🍷🍺

[@christinepaull5373]

Hi Norm and Tina! Thank you so much for sharing your wisdom. I will be going the dividend route and I can't wait to hear what you do for passive income. I am still working and hoping to jump out soon! I am trying to grow my You Tube channel and I would love to hear how you grew your channel so quickly. Do you know anything about You Tube Buddy? I think you use something else?

[@ThisIsOurRetirement]

We us e VidIq for KZbin analytics we have a link in our description. If you search our channel, we did one video about KZbin tips. Thanks for watching and best of luck with your channel.