4 Uncomfortable Retirement Truths You Need To Hear

4 Uncomfortable Truths About Retirement
Dave Zoller, CFP®
• 4 Uncomfortable Retire...
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00:00 4 Uncomfortable Retirement Truths
00:42 Truth 1
2:00 Come Back to This
05:16 How Have You Been Doing It?
05:45 Truth 2
07:47 Truth 3
10:32 Truth 4
12:51 This may sound odd
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[@PaulMoody]

I retired 5 years ago at 60 1/2 from a young person’s field (tech). The first year was pretty easy as we relocated to our retirement dream location and built a new house. Retired, it was my new job to manage building the new home - as in my career, I crushed it (3 weeks early and only a few hundred dollars over budget). My second year wasn’t as good - Covid hit and all my “social and I dentity” plans blew up. I had imagined I might do some light consulting or at least some mentoring of Jr/high schoolers but those became difficult/impossible with no in-person activities. By the time we were comfortable gathering again, I no longer desired that kind of activity. Instead, I turned my attention to building local community. First with “shouting parties” where everyone within shouting distance were invited and connected via several parties. Now I’m referred to as the Mayor of our neighborhood and sought out by newcomers who want to connect to their new community. Second I organized scenic social ebike rides that a couple times a week brings together about 20 of our 50+ riders. Both have given me more purpose, a lot more friends and redefined my identity.

[@StreamlineFinancial]

Thank you for sharing this!

[@waynesly6116]

I have been retired now for 2 1/2 years and I am living my dream!! Slowly change the way that I eat. Now, mostly Whole Foods try to keep all sugar and flour out. This has changed my mental and physical filling and outlook on life. I tried to walk 2 to 4 miles every day. Do weightlifting twice a week now feel like I’m 30 full of energy and vitality! Just about every day I wake up and even while laying in bed, thankfully heavenly father for giving me another wonderful day to enjoy.I now enjoy a lot more hunting and fishing and run about 60 Trail cameras which helps to keep me motivated to be physically active. Life is great.

[@markwilhelm168]

Retired 6 months ago. I'm busy with all the projects that I have collected over the years. Probably more than I will ever get done. Also started lifting weights and bicycling again.

[@StreamlineFinancial]

Fantastic !

[@LetsNotBickerAndArgue]

Thank you for reminding me that "...news channels, they've got one job - it's to deliver your eyeballs or our eyeballs to their advertisers..."

[@barbiec4312]

We walk every day and get up to work out to KZbin videos every day too. Weights, cardio, body weight, balance, flexibility. Only 20 to 30 minutes, for seniors, moderate. Oh, and we’ve recently discovered Pilates of all things. On KZbin. This is so good for our feelings of wellbeing, strength, sleep, posture. Everything. Still need to work on reducing portion sizes a bit. Love your videos. Thank you and keep up the good work.

[@StreamlineFinancial]

This is so good. Thank you for sharing!

[@simbajohn1882]

When you retire improving your physical and mental health must be your new job.

[@njlifeandhealth]

These are some great points! We've seen people really miss the socialization of work, even if they don't miss the work itself.

[@StreamlineFinancial]

So true!

[@jessicamitchell8458]

Love all of these points. We are about 9 years out from retirement. > we are volunteers / teachers at heart - so we know those options will be even more available to us when we retire. > we use the app BEND every morning and stretch together - after dinner we walk 1.25 miles with out doggies and sometimes our kiddos join us. > only one parent is alive. conversations have happened. > the more we learn about how to approach retirement, our stress level goes down. we have not watched the news in 20 years. we read. > i think we are solid on the spending to our values, so not concerned about over saving. we get we need to spend now to get the most our of our money and time. we are 56 with a middle-schooler and a soon to be freshman. we are spending our money now on trips and great family experiences with them before we are unable to.

[@SC-ye3kw]

They should rename the news as opinions and persuasions since very few facts are reported anymore without how someone else wants you to interpret what happened. Anyways, watch what happens to your outlook on life after you avoid the news for about six months. It is amazing. Best way to remove spending down assets anxiety is with guaranteed monthly income. People fear cashing in investments and savings, but they feel comfortable spending monthly paychecks. Before you retire, make a list of what things or activities make you happy. Then, review the list on your birthday and January 1st each year to make sure you are still on the path of happiness. If you don't have health, you don't have wealth.

[@rjtumble]

Discovering and connecting with passions is something I'd really like to know more about. I'm 56 and would very much like to retire as quickly as I can so this was a great video for me

[@contrary8880]

Thank you for expanding on this about retirement...my father took early retirement when working for the federal government in the 1980s at 55-yrs old. He went through many iterations of himself each decade after, until he passed. He did become more depressed upon reaching his late-70s, which reinforces the value of community beyond just one's immediate bio-family that can also cause unwanted stressors. I learned from that about how I will plan differently for my own retirement. I am in my early 50s now.

[@StreamlineFinancial]

Best of luck!

[@rockman5066]

If I had the kind of money shown in the buckets, I would definitely not be stressed.

[@virginiaashmore8643]

Thank you. I needed to hear this today.

[@StreamlineFinancial]

Good! Thank you.

[@kathigee]

great advice... understanding the logistics of money isn't enough... we need to understand the emotions of money as well. .. Thanks for your calmness and truth.

[@StreamlineFinancial]

Well said!

[@sarashann]

Terrific advice. Thank you!

[@StreamlineFinancial]

You are so welcome!

[@shadowboxer2747]

I am now 58 years old and plan to retire when i reach 60. Every day I am thinking of that day to come even though I am a bit afraid that I might get so lost and uninspired when I retire

[@patriciamogannam3616]

Great video and advice

[@StreamlineFinancial]

Glad it was helpful!

[@lisaquick1196]

I enjoy your content! Just found you and subscribed. 🎉

[@cobevizio6228]

Yes significant life, achievement, hobbies, etc. in retirement. Thank you.

[@MikeReisender]

Great video, thank you. I'm eight months into retirement, and not experiencing any issues yet. I seem to be more comfortable and less stressed every day. I don't have a specific workout routine, but am far more active and spend less time sitting than before. I find exercising outdoors, riding, hiking, etc., for longer periods makes me feel far healthier than going to the gym for an hour then sitting the rest of the day.

[@StreamlineFinancial]

That’s so good to hear.

[@frankwilson2607]

What a wise man! His advice is golden!

[@liveandretireusa]

I have listened and considered

[@ninajohnson6578]

Please expand on this video. Thanks

[@ff5973]

You have to take a "full"l look at all the things that will fulfill you in retirement. We built our retirement home in AZ. My wife retired last year, and I commute from OR. Every month I get a 11 day look at what retirement will look like for me. In 170 more days... I will be living it forever. Thankfully between my FD retirement and our deliberate savings i will be ok!

[@annawitkowska8961]

I have retired earlier at 62yrs and I never registered! It is already 6 years quality life. New part of my life started. I have a lot of time for myself, for my hobby, quality time with my husband, children and grandchildren.

[@buckybarnes3803]

I eat more healthier the older I get. Gym 4 days a week, light on my joints. No alcohol. Always educating myself with reading or videos. See my doctors once a year now and monitor my blood tests. Retiring in 10 years and HATE the hospital.

[@ambaasia8200]

I do Prayanama, best for health and walking.

[@jonathanmccarthy6126]

I’m 51 and retired in Ecuador for almost 2 years now. Today I ran 7 miles at 8,100 feet. Does that work?

[@StreamlineFinancial]

Wow! Incredible.

[@user-bs7cj8cl3g]

Im only 42 thinking about retirement. Health became priority for me and rock climbing became my passion. Already spending 10-15 hours per week in climbing gym. On retirement Im planning to visit as much climbing gyms around the world as I can. 😅

[@alannaharganbright5338]

Thank you for this. Retiring has really been challenging for me. Good advise.

[@StreamlineFinancial]

You are so welcome!

[@snow40741]

Thank you this information....I am at the baby stage of seeing if I can retire sooner than later...yes looking at the numbers...the part time work options for the health care coverage...but with freeing up this time...the question...what will do in retirement...what am I retiring to? Can you do another video going into more details on this subject...Thank you!

[@StreamlineFinancial]

You’re very welcome.

[@josephfong552]

5:47 pickleball!!!

[@marlelarmarlelar9547]

The only test I'm finding online are personality related not activity related. Could someone make a recommendation for me?

[@user-it2en6jx1d]

Did those buckets imply that you need $8 million to retire?