Retirement Options Have Changed: Your New Choices

[@lindadorman2869]

I left my corporate career in 2012 at 52, sold everything and traveled for 6 years, went to culinary school and worked as a chef for a few years. When my job ended with the pandemic, I started an online reselling business at age 60. As soon as I turned 62, I took Social Security and my pension. I thought about closing my business, but I love what I do, and the extra income helps. Now my goal is to combine travel with my business and take it international! I think I'm retired, but am I really?

[@moneycoachmalika]

You left the corporate hamster wheel and designed a life you love, learned a new creative skill, get paid to do what you enjoy while helping others, and travel the world. That sounds like an IDEAL retirement to me. Congratulations! 😊

[@retirementbudgettravel699]

Well done!! 😁👍🏼

[@ResetTravel]

Approximately 3 years out from retiring at 61. Apart from the dollars, getting rid of possessions seems to be the biggest challenge.

[@nancymiller7984]

I'm 61 and will be wheels up for my slow travel retirement in 81 days! I could have done this 6 years ago but at least I'm doing it now. So excited!

[@GroundedLifeRetirementTravel]

Awesome for you! Enjoy yourself!

[@FIRED13]

What was the hold up 6 years ago?

[@joethecomputerguy1]

Yes, you CAN do it now. What I said 7+ years ago when I was 52. Talking heads out there are so clueless and people listen to them. Love retirement.

[@travelingtheworldretired]

Enjoyed your video. As an American retired couple that look just like the two of you, we have considered living in Thailand because of your videos. After living two years in Indonesia because of work, we loved have all of amenities and services for affordable costs. In America, we can afford getting our house only twice a month. But in Indonesia, we easily afforded a full-time (five days per week) housekeeper/cook who cleaned, cooked our meals, cared for our dog, and washed and ironed our clothes. If we had a party, she would handle all of the cooking and cleaning up after the party. I really missed the affordable services in Southeast Asia. In addition, we also had a full-time driver that drove our car. We can’t afford to have these services in America, and miss the easy life in Asia. Thanks again for sharing your experiences with the KZbin community.

[@jonweber98]

We retired from a good paying jobs at 55 YO to the day. Two years into retirement I am looking to shed the last rental home I manage myself. Our other properties are managed by external companies. I still "spend" time to manage the property managers and book keeping (probably 20 hours a month). We are not rich but we have options to live without getting a paycheck from someone else. Finally eating better and getting daily fresh air and exercise after so many years of go go go save save save.

[@lpmama1196]

What's holding us back is a 90-year-old parent who needs constant supervision even while in assisted living. We are ready to go but it doesn't seem like we will until she passes. Meanwhile, we get older and have our own health challenges slowing us down. Heavy sigh.

[@FIRED13]

I have a suspicion many people do NOT know what they want to do with free time (aside from the norm like watching TV, shopping, house chores)

[@jameskelly7412]

Thank you both. This channel is a blessing. Your openness is so refreshing.

[@JanineRenee-mh5xr]

You said it! This couple is an honest and true delight🎉

[@GroundedLifeRetirementTravel]

Thank you so much!

[@kristannonfire]

I think you are completely right about pensions being handcuffs. I just retired last month from my government career with a lifetime pension, but I had really wanted to quit my job and do other things with my life 10 years ago. I stuck with my job so I could get the pension. I'm still relatively young (mid 50s) so I still have time to do lots of things. However, I will always wonder what could have been. I love that you have set an example for others in having an adventurous early retirement, and think it is awesome that you are making more money than you probably ever dreamed of just by talking about your life and travels.

[@hardchooligan]

I really appreciate how honest and transparent you guys are about everything

[@JanineRenee-mh5xr]

You have a gentle and reasonable way of opening people's minds. Thank you. 🙏🏾❤️

[@GroundedLifeRetirementTravel]

Thank you

[@sonhuynh8222]

I’m looking to sell it all and retire in Thailand with approx $700k by age 55 or work forever and just “get by” in the US

[@paular601]

Do it I wish I could

[@JayandSarah]

You don't need that much, what are you waiting for.

[@sonhuynh8222]

@@JayandSarahI don’t want to run out of $ because I won’t be eligible for SS for awhile. I turn 53 this year.

[@TheSicilianLife]

What you say makes complete sense! A dear friend of ours at church just passed away after a long illness (completely unexpected). He was working his final year (69) and was planning on retiring next year. 🙁 My husband will be retiring early by the end of the year. So grateful for that blessing. Appreciate all you share.

[@DaveM-FFB]

Great discussion! I originally planned to retire at 55. Then it became 59 1/2. Then it was 62. I finally did retire at 65. Even then, people were advising me to work until 67 or 70. I definitely don't have the energy I had 10 years ago, but I'm so glad that I reclaimed my remaining years to spend however I wish

[@GroundedLifeRetirementTravel]

That's awesome! You are certainly enjoying some wonderful experiences!

[@elizaC3024]

We were frowned upon for choosing to leave the rat race at 55 and 59. How dare we not sit down with a financial advisor and stay full time until 67-70. We opted for simpler life, in a much less expensive place to live. Now we can afford to travel and still have a home base to come back to. This year we will take our longest trip yet 5 months. We can't wait for it. We are old school in wanting to keep our home and the safety net of having it. But yet we are willing to just go and travel and experience it. We are spending 3 months in Thailand, between 3 locations and it will give us a good taste of life there.

[@FIRED13]

This is great, having the home anchor and long travel. That's we are going to do when my better half cuts the cord and follows me!

[@elizaC3024]

@@FIRED13 The key is get your housing costs down as low as possible and it will give you more freedom to travel.

[@FIRED13]

@@elizaC3024get both housing and health care costs down....

[@ManhattanRats]

Key Takeaway! You don't have to wait! Robert in NYC.

[@angieharris8015]

That's bologna!!! We are able to travel AND work, it's called PTO (or vacation time-off). Prior generations were the one's who felt that they could only do things one-at-a-time i.e. work for 40+ years and THEN travel or pursue a passion. My parents were the one's that showed me that you CAN live a wonderful life, full of experiences, passions etc, all while being employed. The only thing that stops people from "living their best life" is not having the funds to do so. I will be going on my 2nd Alaskan-cruise, in September, and I am a regular W-2 employee (with a 1099 asset lol...a rental). Plus, I love that i'll be getting 2 pensions + retirement healthcare. If anyone else is in that same boat, I'd say stay with that employer but live your life too. That's my contribution to this discussion 😀

[@GlobalNomadsTravel]

That’s exactly what they’ve said though, do what works for you, that doesn’t mean you have to be derisory about other peoples options. I’m willing to bet your PTO is max 4 or 5 weeks a year, OK you can have some vacations but you don’t have enough time to absorb a new culture, try living in a new place…..as a European we got great PTO but having then been an entrepreneur in the USA for 20 years this “work til you drop” mentality astounds us. Do what works for you. We (me 51 and husband 55) have sold everything (business, home, car, belongings) and retired for full time travel and the freedom is priceless. Medical care abroad is a fraction of the cost in the US and there isn’t a drug pushed on you for everything so the doc can get their kickback. It’s all about options and that’s what I took from this video.

[@angieharris8015]

@@GlobalNomadsTravel Well, life is not an everyday-vacation even if one is retired. Maybe the younger generations in the U.S. have a work-until-you-drop mentality, but don't blanket other generations with that (new) logic. If things were that bad in the U.S. (especially in the earlier decades,) then millions of people wouldn't have flocked here (and still do---no comment about that). My sister married a wonderful German man, and she's been living there since 2001. This means that she has lived there LONGER than she's lived in the U.S. Because of them and her in-laws, in addition to our parents upbringing, my life in the U.S. is not too shabby lol. I can agree with you on this one: to each their own, and we just have to do what works for oneself.

[@suzieferguson1065]

It’s not bologna. Everyone’s circumstances are different, they also said that multiple times in their video. Glad your choices are working for you, I’m happy to hear other people’ perspective.

[@lindarobinson2104]

I think the old school 'Programming' has people hung up on what retirement means. The 'buy a home when you're young / pay it off at the exact same time you retire / apply for and collect SS and collect your pension ' is no longer an option.

[@kathyoliva6966]

I learn SO much from you both! Thank you!! ❤️🥰🥳🥳🥳🥳

[@GroundedLifeRetirementTravel]

Awesome! Thank you!

[@livingworkingoutsidebox]

Wonderful video. Being retired in today's environment has definitely evolved. Why not work less, earn more and put more time on the table... 😉 Will you be creating another video on how you buy points then plan your stays with those points and get raise your status levels? Theres 2-3+ videos you've done covering this, but would love to see how you plan for how much points you need to buy to maintain status you've earned while staying under a monthly budget like your $700+ cost per stay at the IHG properties 😊

[@GroundedLifeRetirementTravel]

Yes, we have something planned!

[@deborahb.277]

I have family and little grandkids in the U.S., so I don’t want to leave full-time. But, I do want to use geographic arbitrage to make retirement more affordable while keeping life fun & exciting. I’m thinking 6 months abroad and 6 months in the U.S. visiting family and possibly traveling in an RV. I’ll have a small pension as one stream of income, investments and I’m looking for a side hustle to round out my finances. Thanks for the video.

[@GroundedLifeRetirementTravel]

It's a great plan. We too would like to do an RV for some time. Maybe one of these years!

[@harveyh3696]

I like your straightforward honesty on how much you earn on KZbin.

[@Legacy4K]

A pension is like handcuffs - brilliant! You set me free from the regret of not working for a pension. I went the entrepreneur route and will never look back.

[@rsmeanie]

Found you guys while researching the IHG card. Great video and I just subscribed. My wife and I are both 61 and trying to figure out what to do. She plans to retire next year and I've had a WFH job for the past 8 years. I love what I do, it's stress free and I travel for trade shows once or twice a month. Once she retires and doesn't have to go into an office every day, our limits on travel go out the window. I can work from anywhere as long as I have wifi. I'm thinking 65-67 for myself but that will depend on how much we're enjoying the travel.

[@carlmay8314]

Some people live in a prison which is simply their mindset. Change your mindset, change your life. To many people rely on someone else for eg waiting for a pension/social security. Create your own pension via investments and you don't need to rely on anything or anyone but yourself. The gov't wants you to rely on them so they can control you. Happy travels!!

[@jfelizondomd]

according to MS Copilot: **Retirement** refers to the act of leaving one's job or ceasing to work, typically due to age or other factors. It can also describe the period of life after leaving employment. Some people choose early retirement, while others retire at a standard age. Retirement can involve withdrawal from active working life and may lead to a quieter, more secluded lifestyle. For instance, individuals might move to a retirement community or enjoy their post-work years traveling and exploring new hobbies¹². In your situation you changed your lifestyle and are fortunate that thru your creativity and talent you have been able to monetize your passion for vlogging on KZbin. I see retirement as a point at which I will no longer care for patients, no longer answer a pager, and can focus on letting my savings work for me and my family. You guys are definitely are motivating a new segment of society. Did you know that by 2030, 1 of 5 people in US will be over 65.

[@checkmateexpressllc3795]

Your 50s can be your highest earning years so it's hard to make the move but highest earning can also mean no free time to do anything that matters to you.

[@nunuvyurbiz123]

Yes. I’m earning over $500K, in my 50s, but I just have to walk away from it and live some before I die.

[@FIRED13]

Yes, but 50's is also maybe the vitality peak for most before age starts setting in...

[@mitchmclain4809]

My wife and I are 50 and 51. We are doing very well, but we are so tired of always having to be available for a phone call or email. We can’t ever take anything more than a long weekend off. It’s hard for us. We want to call it quits for freedom, but…… I think it will happen by 55.

[@kristiduncan8356]

Great video. Thank you. I am 46 and want to semi-retire at 56. 😄

[@LoriLWorden]

Such great discussion! Yes, a pension sure puts the "golden handcuffs" on a person.

[@TheBokey]

Where were you when I needed you 15 years ago? As always, great video, great information

[@GroundedLifeRetirementTravel]

Thank you!

[@katie.r.vannuys]

Hubs and I can retire with great pensions, but in 13/14 years. I’d love to go now since I’m in my mid 40’s, but we’ll have kids still at home for almost a decade. Fingers crossed we won’t have missed out on time, but we’re enjoying time with the kids while they’re still at home with us. Seems like you guys had kids earlier than us. I appreciate all the advice and it’s helping me plan! Thanks!!!

[@GroundedLifeRetirementTravel]

Yes, we had them pretty early, early 20's

[@retirementbudgettravel699]

Excellent & inspiring video! Thank you!! 😁👍🏼

[@GroundedLifeRetirementTravel]

Thanks!

[@cheriellis9215]

My husband’s job required early retirement (federal law enforcement). His was not a high paying position, but he did get a smallish pension. Not enough to live the same life, unless he started a second career. Instead, we sold everything and hit the road as full time RVers. He was 54 and I was 46. Four years in, our 23 year old truck died. We expected this, but had hoped for 5 years. So, we settled back down, still living in the rv and got full time jobs again to pay off a new truck. It will take us a couple of years l and then we’ll be back on the road. Enjoying retirement while we are still young enough to!

[@karenb9788]

Love your channel! You’ve given me so much to think about. Turning 59 soon, have access to a county government pension. Not too much in savings tho. Trying to figure it all out. Will not be retiring in AL, WV or Mississippi-that’s a fact! Looking to get out of here!

[@stevenharms5368]

One month of income to cover five months of life, without much concern. Very good model!

[@GroundedLifeRetirementTravel]

Good way of looking at it, we hadn't thought of that!

[@farrellcj1]

We are so glad we found your channel. You helped us speed up our plans. Thanks so much for all the great scoops. In this video you mentioned all that you have been able to cross off of your list. We’d love to see what your starting list looked like! Thanks again. Hope to run into you out there some day soon! Cheers!

[@gacmasterful]

You are very talented and proficient at creating interesting video content. Kudos to you for being able to achieve it in 5 hrs/week. The average couple would probably require 40+ hrs/week to generate similar quality content. It would be a full time job for me.

[@gif24gt60]

A lot of people can't afford to retire because the employers don't want to pay regardless of age. U can only cut ur expenses so much before u end up on the streets.😮

[@juliepowell3566]

I appreciate your words/insights so much. It's actually comforting. Thank you

[@GroundedLifeRetirementTravel]

You are so welcome

[@rosalindhb]

I think it depends on whete you go. Not everyone wants to gobto Asia. Europe is going to be more expensive. You definitely need to have a simi plan to know how much you need. The problem that I see is that because people are retiring early, not enough people are paying into the "system". So it is being pitched to work longer. Even government pensions are starting to change and not be as good..because they are trying to get money in the "pot" so to speak.

[@JayandSarah]

@@fs5775 Croatia is incredibly expensive these days.

[@serat0947]

Parts of Mexico, South America, Turkey, Eastern Europe.... there's plenty of places with a lower cost of living than the US that aren't in Asia.

[@thetripod7]

I am lucky to be one of the few who still gets a pension, I worked a municible job, and I recently retired at 59 to be able to live very comfortably with the monthly checks. But I never had to put into social security, so I don't receive that. So it's not like we get both it's just one or the other, although putting money into my pension all those years is far better than putting it into social security.

[@RetirementbyDesign26]

I, too, work as a local government employee and will get a generous pension benefit and can’t wait until I can retire at age 50 with 30 years. The time and freedom is priceless. I won’t get SS either because of the Windfall clause but would rather have my pension anyway. Congrats on your retirement

[@jenniferconlan9861]

I left work early. I am turning 62 this fall and I will get the pension I left behind but if I waited the money versus the time I have traveled all over EU are exactly what you are saying. Health and ability may not be the same as you age.

[@marlam3891]

Please make a video about options of making extra source of income. Thank you,

[@GroundedLifeRetirementTravel]

We have several already on the channel

[@marlam3891]

@@GroundedLifeRetirementTravel Ok, will look for them. Thank you,

[@swearworks]

What kind of careers did you work in previously as entrepreneurs? Really enjoy watching and learning from your videos. Thanks

[@GroundedLifeRetirementTravel]

Photography was our main source of income

[@JamesAdams-ev6fc]

Another factor, and sorry to bring this up, is that U.S. life expectancy was 70 years in 1970, while it is 79 years in 2020. We are clearly better off, but there are more years to be covered even at the same retirement age. This would be true even if pensions were not disappearing. Just as clearly, we have to become more savvy in managing our IRAs and other forms of saving. I think that this is happening. But the recent price inflation has hindered these efforts and I do not see a recognition of the problem by policy makers. I think we have to tighten our belts and increase the amount of saving.

[@SchatziTravels]

You two are such an inspiration, thank you so much! Been binge watching your videos and applied for the Amex Gold via your link a couple of weeks ago. Woot woot! 🎉 Got a 90,000 points offer for $6K spending in first 6 months. Easy peasy with grocery, dining & general crazy cost of life in CA! In a few months I plan to apply for the IHG card as well to start racking up hotel points - I am still a couple of years away from world travel, so holding off on the “big” cards for now. On that note a quick question: is there a card you recommend specifically to book cruises with? I always hear about air miles and hotel points, but is there a card for sea knots (LOL) or other nautical perks at all? 🙏

[@GroundedLifeRetirementTravel]

Thanks! The only one with real extra perks is the Amex Platinum, but it usually isn't enough to get the card just for that due to the high annual fee. So, if you don't have that we would just book with whatever your highest "travel" card is, usually Chase card.

[@SchatziTravels]

@@GroundedLifeRetirementTravelGotcha, will look out for a good Chase offer as I get closer to full time travel start. Funny enough, now that I have finished binge watching this channel, I moved over to your cruise channel and see that you have a recent video posted covering my best cards for cruises question. Ha, I shoulda looked there first, eh? Sounds like the Amex Gold was the right choice to get started on points for this as well. Anyway, thanks so much for the quick response. Wishing you continued joyous & safe travels, and thanks again for sharing all your valuable insights on this channel. Very much appreciated!

[@DfChen-c5m]

Your best post yet. More time = retirement. Question do you get a 1099 from KZbin? Thanks for the inspiration.

[@SandraTye]

Brilliant!!! (As Usual)

[@rhondamcgee2114]

When just starting with a WeBull account should you choose a cash or margin account? I’m thinking cash, but just wanted to ask because you give such great advice! 😊🇨🇱😊

[@dianefarrell2343]

What do you think about reverse mortgages

[@nunuvyurbiz123]

I’m retiring at the end of this year at 56, walking away from FAT income ($500k+/yr). But I have about $6M. So yeah I was old school, earn, save, and now retire. I went too far into my career to switch to something mobile. Super scary tho to walk away.

[@CT-lo9ot]

$6M and you’re scare? You should have retired a few years ago.

[@JayandSarah]

Why did you wait so long to retire?

[@nunuvyurbiz123]

@@JayandSarah Well Covid happened and so I wouldn’t be able to travel. That lasted a couple of years and then I’ve just been planning. The golden handcuffs are really fierce. I save 100% after taxes, so about $350k/yr, which is huge. Dividends pay my expenses. In a sense it’s job hoarding - I don’t want to give it up because I may not be able to replace it. Also travel can be expensive although you do it at $4k/mo. I’ll be living out of hotels. So then it just becomes a matter of how fancy I want. Lastly I was still holding out for a family for a while but sadly that’s not going to happen.

[@hejiranyc]

Yikes. I’m in a similar situation (54, $500K+ income) with some savings (not as much as you though) and I had been planning on working until 60. I just dread the thought of walking away from this level of income and the equity I accumulate every year. Plus I work remotely, which almost feels like retirement in a superficial way, although it still is a lot of responsibility. It’s a good dilemma to have!

[@nunuvyurbiz123]

@@hejiranyc The thing is, eventually we all walk away from the income, worst case dying at the keyboard in the middle of writing an email. I know too many people who died in their 50s. Plus, even if I live a long life, my ability to travel will decline with time, precipitously at around 70. So we're talking not many vigorous years remaining.

[@stcroixlover1]

Great video!

[@LinN4Yuh]

What the Retirement Police need to figure out that we don’t always retire FROM something, we retire TO something. What do you want to retire from your job to do!

[@JayandSarah]

For us, retiring was about leaving the workforce and never having to rely on a company to provide us income. Retiring is about not having to go to bed on a schedule, waking up on a schedule, or doing anything to generate income with our time.

[@nunuvyurbiz123]

The fact that you are still working doesn’t matter. What really matters is how much does your lifestyle cost. $4k/mo is totally doable if that is all it is all in including insurance and everything else. The rest of us can simply consider whether we can cover that cost one way or another. In my case I can, and the fact that you are still having money coming in while some of us would not, probably due to lack of talent, is no bother.

[@GroundedLifeRetirementTravel]

Yes, the 4k is including everything

[@deanpapadopoulos3314]

Retirement means what this word means. If someone wants to continue working after they leave their last job then they’re still working…not matter their thinking. Running anything, a marathon, our mouth, and especially a business takes increasingly more time and attention to sustain let alone grow it. Focusing on health is one aim of real retired people. Focusing on a hobby or hobbies like traveling is also the aim of real retired people. We can’t make a word mean anything we want it to mean even in this age of ‘I can say whatever I and therefore it’s true’ age. Some people earn their living as nomads and work in places where others around them are on holiday. This isn’t better, it’s just different than their previous job. If all of this sits well with you, then you won’t walk away from these videos believing they’re at spas for 35 days of the month a breathed out this video between their walk from the kitchen to their living room. Work, even creative work is work nonetheless…rewarding in most instances and more exhausting in all instances in my experience and opinion.

[@willieshoemaker8680]

Yes if have money coming in every month.. what is the % of Americans living pay check to pay check with little to no savings? I was lucky to have worked for a trade union and have a good pension. I feed sad for these Americans fighting against unions or their own best interest.

[@JayandSarah]

Lots probably are pay to pay with no savings. That is life. You can say the same thing about those who had lots of opportunity but kept remortgaging houses to keep up interest deductions instead of paying off their place and cashing out. People make their own opportunities often. How many people are financing newer cars and drinking Starbucks daily while complaining about having no money? Opportunity cost.

[@peterdawson3536]

IMHO I think those who say you are not really retired do have a point. Also with the amount of channels you have , do you really only spend 5 hours a week if you include content making, editing, travel research, SEO, marketing, social media research and work, affiliate research and the numerous other hours spent on your business. I'm not knocking your work ethic as you deserve your success but you are essentially nomad working.

[@david_99999]

To me it comes down to whether or not they need to work. My understanding is they need to make $4k/mo to sustain their lifestyle, so I think you're right, they are digital nomads. It's great though that they can do that on a few hours of work a week. Really opens your eyes to the possibilities.

[@TravelNearorFar]

I disagree on three accounts. First, retirement does not mean not working for most, but time freedom. Secondly, they have the previous professional experience, in addition to the recent travel in retirement, that has refined their skillset. Therefore, they get the work done faster and don’t need to research as much because they are living it. Finally, if you look at the other channels, they are not posting videos on each weekly. It doesn’t take that long to script and record a 15 video such as this, when you are just talking through speaking points. 5 hours average seems realistic to me.

[@nunuvyurbiz123]

What difference does it make that they are still earning money? Isn’t really the question. How much does their lifestyle cost? The rest of us can simply evaluate whether or not we have the savings or income to cover that cost if we want to follow in their footsteps.

[@GroundedLifeRetirementTravel]

It's right at about 5 hours per week. Regardless of that, our point is that people shouldn't get caught up in the retired/non retired debate anymore, or they'll miss some great opportunities.

[@ransnafu9910]

I am wondering where do you get medical dental and vision insurance after retiring?

[@Beachbumbob]

It’s on one of their videos, just to do a search in their video channel search bar.

[@serat0947]

Health care is significantly cheaper outside of the US and you can get travel health insurance that covers you worldwide. You can get dental work done for less than your US copay. Medical tourism is very popular.

[@JayandSarah]

You can go and pay cash. The world is not like what happens in America. You can get care for a fraction, a very small fraction of the cost. Pay cash.

[@nurseadrianern]

Meanwhile states are expanding child labor laws combined with expansion of retirement Americans will be working from age 14-75.

[@LeahLeah222]

Are you all still contributing to retirement accounts like Roth IRAs? Or you just cash flow expenses as you go?

[@GroundedLifeRetirementTravel]

Investing any extra money still

[@Revelacion320]

This is so dead on, this new generation is not going to invest on any retirement since they can’t even make ends meet. We have retirement plans and we are not waiting to reach 67 to wait on social security. We aren’t even going to wait till we are 59 1/2 to get our retirement plans. What we will do is enjoy our lives in our early 50’s. While we are still working.

[@jimmyrios6815]

🙏🏻

[@jeffster7]

It's actually pretty easy, just buy bitcoin...

[@jeffster7]

Do u guys ever talk about Bitcoin?? I love you guys, but you work so hard; not everyone can be as industrious or successful as you are.. But Bitcoin works for everyone, in an era, where 50% of ALL JOBS WILL BE REPLACE BY AI in 3 YEARS! Bitcoin fixes this; you deserve to be more savey because you have a real audience!

[@krock0916]

I'm sorry, but in my opinion, Bitcoin and retirement should not be mentioned together because Bitcoin is too risky and volatile for retirees.

[@cchoi108]

I'm trying to save right now. I'm figuring every $1,500 I save is a month of freedom. I'm in the pension 🪤 trap. I need to stick it out for a little longer.