5 BIG Retirement Regrets

Retirees share what they wish they did differently.
Dave Zoller, CFP®
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Disclosures: Securities offered through LaSalle St. Securities LLC (LSS), member FINRA/SIPC. Advisory services offered through LaSalle St. Investment Advisors LLC (LSIA), a Registered Investment Advisor. Streamline Financial Services is not affiliated with LSS or LSIA. LSS is affiliated with LSIA.

[@jameschaves5723]

When my Mother turned 88 y/o I decided working long hours to accumulate money wasn’t worth the time i could spend with her. I work part time now and spend more time with her. She won’t be here for to much longer so that’s the most important thing in my life!! I mow her lawn now while she makes me lunch. It’s like I’m 16 y/o all over. She loves having me around ❤️

[@glennet9613]

IMHO, age 78 retired twenty years the number one priority is health, that means a healthy diet and plenty of exercise. If you don’t have your health you won’t be able to do the things that you enjoy and you will become a burden to others. When you are working you are probably stressed, eating on the run, fast food and comfort food and too tired to exercise hard. Job one when you retire, or aproach retirement, should be to get back to where you should be healthwise and to develop a good lifestyle that you enjoy.

[@victorferr1]

Sleep on time. Get a full 7-8 hours of sleep every day. You are generally happy when you are not tired.

[@johnpollard744]

I wish I had turned off cable news sooner!

[@georgetsokanis3542]

I ignored my financial advisor a long time ago because the person ultimately responsible for retirement was myself. If I'm the person who is going to be responsible than why would I give up authority. Best decision I ever made,62 been retired 3 years.

[@irishgamedog1511]

It’s Difficult if not impossible to “plan” your retirement when your money isn’t sound.

[@maryhadda8420]

The fear of running out of money is valid.

[@cherokesky]

52 traveling. We sold everything. Slow travel the world for a few years and decide where we want to stay.

[@GrannyBeth2]

After my Grey Divorce, Financial Planners told me that there was no way I could retire until I was in my 70's. However, I saw older women grow bitter because they had missed their chance for fun or had died. I had experienced enough loss. It was worth the roll of the dice to find a way to plan joy and investing both with not so much money. There had to be a way. Great honest video

[@danielwnorowski2553]

“Curiosity is the fountain of youth.” Well said.

[@JKinLVN]

Dave...great video! #5 is soooo true. I'm finally beginning to enjoy my life. My advice...enjoy your life while you're working. Yes, much of it is really a choice. Wishes: 1) Live true to yourself. Not other's expectations 2) Not worked so hard 3) Express true feelings 4) Stayed in touch with friends 5) Let myself be happy

[@robertgregory1927]

Nice info. It’s rare but I was able to retire from a corporate career at 55. I would stress the exercise part is MOST important. Walking 2 miles a day now vs being chained to a desk.

[@MrPrimoPR]

Real good advice . I’m 76 , could have retired sooner than at 68 but my job was very entertaining, specially working with young people- they have a lot of courage and audacity. Now I’ve been retired and I keep myself entertained with outdoor work on land I have. Here’s the thing : my wife is 67 and a very successful entrepreneur, lots of pots on the stove , plus multitasking. She should follow your advice, but I prefer that she keep her mind busy on her things longer because I know that living with her bored is not easy. Time is precious, more so if one lives with peace, tranquility, calm and clarity. Health issue always show up , but one has to be positive and take care of one self.

[@arymniak1]

Health is the #1 priority - no amount of money will take away terrible health. Most healthy activities cost zero dollars or a very minimum amount.

[@youarehere1251]

Some colleges offer woodworking classes, once you enrolled, you have access to the woodworking workshop.

[@jameschaves5723]

I’m 53 and I feel so blessed to have the insight not to have any of those regrets.

[@StreamlineFinancial]

That’s great to hear!

[@mohamoudismail9101]

Good video on things that matter. Priceless advice.

[@positiveoutlook17]

You missed a common reason to keep working: I enjoy my work!

[@Ann-pt2je]

Don’t wait until you’re too old to spend your money.

[@MasonKalair]

I am a 54-year old Burnt-out doctor with $4.7M in declining investments, planning retirement soon. Seeking best stock strategies for market downturns.

[@johnnysimes5082]

Lot of wisdom here, Dave. Thanks for sharing.

[@jameserickson25]

A few people I know continued to work well into their 60’s and early 70’s because they loved their job.

[@richdewitt760]

Great video topics Dave. Watched it on work laptop but compelled to log on at home computer and give thumbs up. Rich

[@7SideWays]

I relate to all 5 non-financial regrets. Thank you👍

[@patrickmoan4086]

Good information. Thanks for putting this together.

[@andrewstewart9589]

I really like your holistic approach here. Very different.

[@barbiec4312]

Thanks Dave. Always good advice. I just need to book those tickets! 😂

[@joy945]

Great content, definitely agree that the money aspect of retirement is only one part of knowing how to live after we leave the workforce.

[@StreamlineFinancial]

Thank you!

[@dynac8012]

Truly insightful.

[@wardogsgm51]

Time is our greatest asset. Our whole future lies in uncertainty. Looking back - retirement was the best decision I have ever made.

[@garyclark979]

I did what I wanted to as far as profession. I did a great deal of international travel. I am now a part time consultant. I want to connect to my children and grandchildren. I want to do something great before I die. I believe that I am going to achieve my goal.

[@cbeuning]

Great video, thank you! We are on approach to retirement and discuss these topics regularly. This will provide is with a couple more talking points!

[@denisep.98]

Great advice!

[@StreamlineFinancial]

Glad it was helpful!

[@wecandobetter9821]

Back when Apple was $25 a share i was lucky enough to have a pile of cash from selling some property and wanted to buy $100,000 worth of Apple. My financial advisor talked me out of it. Oh well😂

[@relaxgood5214]

Everyone is replaceable in their job just like a disposable razor.

[@judyl.761]

Great video!

[@StreamlineFinancial]

Thanks!

[@rickdunn3883]

Nice video. I like the 5 F's

[@patrickjones1392]

I’m 62 and want to retire in 6 months. I have a 30K annuity, plus a 401k depleted to 150K of money that I’m not sure what I can do with at this point.

[@haawkinss1]

Thanks lots to consider here

[@StreamlineFinancial]

You’re welcome !

[@tanyaldutton]

How do you get the planning software?? Would love to be able to play around with the numbers….and not depend on our investor to make the changes. Any planning software you would recommend that we can get our hands on?

[@tracypulley9785]

All of this is true!Im 73 all this is true just now realize ! Tell my daughter try to let her know that I’m not trying to tell her I know because I have been there!Agree about Fanincal advisor ! Lot of bad mistakes and loss and IRS problems ! Ended up paying taxes on money I didn’t even make!If mistakes are not fixed you pay the price.IRS is relentless!

[@AlaskansintheAndes]

I love the 5 Fs!

[@karenbochinski]

Great show. I do all except fitness.

[@NipItInTheBud100]

This channel seems to have moved more to the emotional side of retirement planning rather than the numbers side! Not sure if that’s a good or bad thing.

[@Grelotmystiqueetal]

I like videos like these hut without background music

[@MarkandSandieInMotion]

My financial advisor has a B.S Factor scale for your job. If the b.s scale is low then work longer, if the b.s is high then retire earlier. B.S=stress. My b.s is low so at 61, I’ll work till 65. But I want to mKe sure all my ducks are in a row when it’s time. Do some financial advisors prefer you work longer because it’s more benefits to them? When you’re working, you’re putting more money into investments.

[@teleshyam26]

Really nice video! i was wondering if i could help you edit your videos , I know you have great videos but it will save your time.

[@greensombrero3641]

sage advice - as we will all run out of thyme.

[@bash5552]

top 5 of 5 is, i dont want to die, everyone that is dying is going to not want to,.....

[@manekdubash5022]

Five years into retirement, I totally agree with the instinct to avoid spending money in the early years.

[@andrewrivera4029]

People I saw all around me said they worked as long as they could then fell ill or infirm and never got to enjoy retirement, I said no way so I saved for 30 years (blue collar worker), bought and sold real estate single family, multi family and vacation houses, got a sweet buyout when interest rates were low so our buyout was high plus medical coverage til 65 Medicare. Retired at 53 years young, now 58 own a ranch, travel the country during the winter plus weekend trips in the summer. Look forward to building a house on some land I own, life is good.

[@andrewzaltman6934]

Excellent 😊

[@johnsdronevideos4875]

I'm not disparaging the information but number 5 regret. not being fit? It wasn't clear. Great anectdote about one of his clients though.

[@videosbymathew]

What is the software that you used for retirement projections and "what if" scenarios? Thanks

[@7350652]

thanks

[@StreamlineFinancial]

You're welcome!

[@katonk9401]

Although my financial advisor says I can financially retire, you just don’t know….

[@davidcooks2379]

What do people do about health insurance? Do you have to relocate to another country to be able to afford a good health insurance?

[@41ldawg99]

Good morning, I am not a retired person, but I do have a different look about when we should retire. I work with many millennials that fall under the old pension plans and have a substantial amount of money inin their 401(k). If we were advised when we were younger Not to invest in our 401(k)s, but into taxable brokerage accounts we could retire now, and enjoy life. With the restrictions on retirement account withdrawals, we will now end up like our parents waiting until the last years of our life. I understand. That is the way which they were taught, but it’s time to teach their grandchildren the right way.

[@RareGenXer]

@7:10 or watching You-tube videos 😉. Actually this is an exceptionally insightful and helpful video.

[@NickArnette]

Where can I find the retirement planning software you are using in the video with the "what if" scenarios?

[@FatherGapon-gw6yo]

Hindsight is 20/20. Hard to justify not working as long as you can unless you have already saved several million.

[@steph50095]

What type of software do you show in the video? Thanks!

[@scottwalker8996]

how much do you charge for the life advice?

[@theodorejay1046]

Yes don't wait to travel when you're retired ... you may never get there 🤔

[@StreamlineFinancial]

Very true

[@Nickulous64]

f your career is your life’s passion, purpose and happiness, then by all means keep doing it. But if you continue to work a JOB past the point that you have enough money to retire then you are trading something you can’t get more of for something that you don’t need more of.

[@gailfuson4790]

Are you in Canada

[@GoodwalkSpoiled]

There are no regrets if you're living the life you want.

[@Keepsake_Business_Academy]

❤❤❤

[@jpturner171]

Great stories Dave! I read this book after my mom and dad passed several years ago. Definitely life changing. PS: I hesitated leaving the Marines after 37 years…believe it or not, I was nervous about working in the civilian world for a few years. It turned out to be GREAT!☺️👍🏽 Semper Fi! ❤️🇺🇸

[@StreamlineFinancial]

Thanks for sharing this, JP. 🇺🇸

[@Rennyteam359]

Increases Social Security

[@candeffect]

Being a saved Christian helped me to realize eternity includes now, therefore, no petty concerns now and forever. There are unlimited God-honoring good things to do now and forever.

[@mrchad97z49]

You have great Skin! What is your secret?

[@randybrightbill9722]

Keep investing so they can eliminate social security .!!

[@tomTom-lb5cu]

Thank goodness finally a financial planner who mentions God somewhere in his video, subscribed today. Dave Ramsey is another. And it’s good.

[@shvideo1]

Great video, thank you. I disagree strongly with the perspective that destination is not important. The destination is everything without which the ride is meaningless in every sense of the way. My advice, look for evidence for the life beyond, and follow it. Be true to yourself. For me, it is God reaching out and saving his creation through Jesus. Keep searching. Your X number of years on earth is completely meaningless if it ends abruptly at death. It is not so.

[@spoudaois4535]

I don't see the attraction to retiring. Its like putting yourself out to pasture and out of the game. You lose importance.

[@jeffs2559]

Did he really say god is a requirement for connection? Leave it at the door, buddy.

[@elgrancabron]

Outstanding video series! I wish I could find someone like you around here in Phoenix.

[@StreamlineFinancial]

Thanks so much !