These 5 Habits Will Keep You POOR

[@Omikoshi78]

Habit 6, feeling guilt tripped into tipping everywhere and tipping more. I recently got asked for a tip for buying a bottle of water at an airport kiosk! Bottle of water I took out of the fridge myself, brought to the cashier, with no sit down area to enjoy my bottle of water or garbage to throw away the empty drink container.

[@romanhollow2985]

Just don't tip. Simple

[@CapitolHillClips]

8:19 you two are like my internet grandparents 😅 thank you for sharing as always. Very inspirational!

[@ThisIsOurRetirement]

Our pleasure! glad you enjoy them Cheers 🙂🌺

[@AnnMitt]

I started using box hair coloring for my grey roots in 2020 (pandemic) and reduced my salon hair cuts to 4x/year. I figured that I'm saving $800/year with this change.

[@ThisIsOurRetirement]

Great idea Ann, it’s surprising where savings can be found, have a great weekend!

[@susanacton5007]

@AnnMitt I felt ready and stopped dying my grey hair completely in Covid year 1. What a relief it is never to worry about roots again.

[@glennet9613]

I color my wife’s hair with a professional quality, ammonia free, dye we buy on the internet (Wella). It isn’t difficult and, as you say, saves a fortune.

[@AnnMitt]

@@glennet9613 I'll check out Wella. Thanks for the tip! 👍🏻

[@jmb-cm7mr]

My husband just retired and we just bought a 2023 Rav 4 the reason we bought new is the Rav 4's that are 1 to 3 years old are the same or very close to the price of a new that's why Toyota is selling so many new vehicles over used ones.

[@krism4139]

We also just bought a 2023 vehicle for the same reason. It seems that used cars are really in demand right now. We sold one of our cars to Carmax and couldn't believe what we got for it. We're paying cash for the new one and expect to have it for a long time.

[@qwincyq6412]

The Wealthy Barber is a great resource. I found that I was already doing half the things he suggests. Having learned to live on my salary, when my wife got a job we didn’t change our lifestyle, we banked her income. Thus we were able to save for a mortgage. I nicknamed our house “Macaroni Manor” because of all the kraft dinners we ate in order to afford it. Today I’m still debt free and intend to stay that way.

[@sct4040]

My hubby and I just returned from a 4 day vacation, and we got so sick of eating out. We missed our own food. Restaurant food is only a treat when you don’t go often. A good thing, since it was sooo expensive at $14 per person for breakfast. 😮

[@rustykatt3870]

Hi sct4040. And $14 is less than some breakfasts these days.

[@rroumeli]

Love listening to you two and your tips are great. But please rethink not taking your cellphone with you when you walk! Turn it on silent so it doesn’t disturb you and slip it into your pocket. I always take mine because it tracks my steps but also it’s there in case of emergency.

[@mjbalmmac1588]

I would love for you to do a demo on vpn. I keep looking at it but don’t understand how to use daily.

[@Numismaniac_Canada]

By the time I turn 74 I’ll have turned around all the stupidity and paid off the accumulated debts. My house will be paid off when I turn 94! I started way too late! Living pay cheque to pay cheque sucks. You guys know what you’re doing… Wish you were around to give me advice when I was younger! Love your videos. You’ve motivated me to go back to work so I’m taking any jobs. I can, of course given my age. So much for retirement.

[@ThisIsOurRetirement]

You are very kind, we are happy to have you here!

[@ardbegrules3973]

Thanks for the reminder on The Wealthy Barber as will be a good primer for my young nephew and even my 5 year old! For myself I found saving even more than 10% helped me retire early, even though it was hidden in my double mortgage payment, and it ultimately helped me retire early at 48.

[@moira7900]

Restaurant food also tends to be a lot higher in salt and sugar than what you'd cook at home

[@ThisIsOurRetirement]

Totally agree Moira have a wonderful weekend Cheers 🌺🙂🍷

[@grandpa_eric]

Hey 👋 Norm & Tina! Our biggest savings was moving OUT of New Jersey to a state less punishing. Once we paid our exit tax- yes, we had to pay to get out! Our property taxes reduced from $9,000 in NJ to a little over $900 per year here in DE. And our house here in DE is twice the size. Our HOA is $50 per year. How do you beat that? And DE has no sales tax! I enjoy your tips for savings! Thanks!

[@AnnMitt]

Exit tax? 😮!

[@grandpa_eric]

@@AnnMitt yep! In NJ the joke is “what exit?” The final exit OUT was the mandatory tax, taken at closing!

[@ThisIsOurRetirement]

What an amazing difference Eric , this is what we advise others to consider moving to a cheaper state or province to get your expenses down , have a wonderful weekend Cheers 🇺🇸🍷🍺🇨🇦

[@oldbloke204]

I have to say that the whole property tax thing and the way that taxes in general are done in the US is a real eye opener compared to here in Australia. Basically taxation is fairly similar across all of the states here although there are obviously some differences with state taxes such as motor registration etc. You certainly wouldn't move states here based on taxation. We have stamp duty that's levied on the purchase of the house, which can be pretty high, but no ongoing land tax after that for most houses. They're trying to bring it in in a few states under the guise of being "fairer" but it's nothing but a con job and a way to gather more tax every year imo. People will likely choose it to slightly reduce the cost of initial purchase but will then be stuck with a yearly tax that can be set at whatever the Govt. chooses or that will go up as housing prices go up. We don't pay any capital gains tax on profits if you sell your principal place of residence either, which is nice.

[@grandpa_eric]

@@oldbloke204yes, it pays to look at options, especially in retirement. Who knows how far or how long our retirement funds will last and how long we will live. Norm & Tina’s channel is a valuable resource. Gov’t must tax us, but not out of existence!

[@sgray4995]

Found the same with some dining out experiences. I eat out occasionally and its a breakfast or light lunch. Coffee at home always.

[@FionaMacDonald]

Completely agree about restaurants!!! Since I finally taught myself how to cook using fresh ingredients, I find eating out disappointing too 🤷‍♀️

[@ThisIsOurRetirement]

We feel the same we are disappointed eating out our meals are great at home Fiona , have a wonderful weekend Cheers 🌺🙂☕️

[@Iamwithspirit]

Walking is such an awesome way to stay mobile and have more golden years. I’m a huge fan of that and an exercise plan to retain muscle mass too. I’m 62 now and will be retiring next year. I’m working hard in my spare time to prepare my body for a healthy and happy retirement. Love your videos too!

[@barrettthompson5363]

Thank you for being humble and sharing your personal mistakes. You are touching lives and helping people!

[@ThisIsOurRetirement]

Thanks so much Barrett.

[@sparksw9dkb187]

Good advice Tina and Norm. When I was working I bought a new car every 10 years and drove it until I felt it might no longer be reliable. What I bought was peace of mind through reliability and that strategy worked great. But now that I am retired and drive far less, my car lasts much longer and pre- owned works just fine. And, my internet is only 10 megs and does everything I need. Cheers.

[@sjbutler2330]

Great topic Tina &Norm! After paying my mortgage off In my middle 40's, I have always stayed debt free. I am now in my middle 60's and am still debt free. I have savings, investments,and also love the book "the Wealthy Barber Returns". It can be done. 🙂

[@sulemanpiracha8123]

Hi Tina & Norm, A great lesson. We learned also the hard way not carry credit card debts. The credit cards were maxed out to their credit limits; paying out high monthly payments did not leave enough money for saving. It took us a while to get rid of the credit card balances. The funny thing is that businesses here in the US don't like if you pay Cash. We just bought a car at the end of its lease. The car dealer gave us a strange look when we told him that we were going to pay cash

[@ThisIsOurRetirement]

In the U.S. it’s probably better to take the loan to get the cheaper price only after asking if the loan can be paid off without penalty at any time, if so take the loan, the dealer gets his commission, you get the lower price and you pay it off after delivery. Thanks for watching Suleman.

[@sulemanpiracha8123]

@@ThisIsOurRetirement Oh, I thought the dealers calculate the 'residual value' of the car when you lease it and they give you a price based on the residual value at which you can buy it at the end of the lease. I did not know that you can get lower the purchase price this way- Thanks for the tip!!!

[@rustykatt3870]

Hi Tina and Norm, I agree with Margi, and would add that sometimes a person can be in any type of unsafe situation. Having a phone at your fingertips would be an important thing. Please consider it.

[@ThisIsOurRetirement]

Yes Rusty we have started taking a phone with us, thanks for your concern.

[@rustykatt3870]

@@ThisIsOurRetirement 😃👍 Excellent!

[@DC-rd6oq]

More great tips Tina and Norm. Thank you. Those repetitive items, however small (like the coffee you mentioned) really do add up fast. I'm retired now, but when I was working I brought my lunch most of the time and went out for a nice lunch every once in a while. Not only was I shocked at how much money I saved but I was eating so much healthier.

[@benyablonski6278]

Your so right about restaurants. Portions are getting smaller, prices are rising. Even was inexpensive fast food is now as much as a sit down entree. We've cut back on earing out. Looking to reduce my cell phone monthly cost. ~ Ben, Vancouver ISLAND

[@ThisIsOurRetirement]

Hello Ben! We also think some of the restaurants are serving inferior food from what they used to. Fast food prices are way too high. Have a nice weekend on Vancouver Island.

[@SharonDidThat]

Love the video. I’ve got my mom reducing things and I’m doing all you suggested for the two of us. Paid cash for a 2021 for her from my retirement account and now she’s driving safer. I’m also helping her do $10.00 yard sales. It’s tough, because she remembers how much she paid for it 20 years ago. She’s still trying to keep up with those Jones’s. I told her she’s in debt and your retirement barely pays the mortgage on your home. You’ve got to make changes. I need my retirement money for my retirement in 7 years. So, she’s making strides. But it’s hard.

[@ThisIsOurRetirement]

Thanks for sharing Sharon have a wonderful weekend Cheers 🌺🙂☕️

[@MILGEO]

I looked at a used van a couple of weeks ago and was surprised how much a 2 year old van with 25,000 miles and cost almost double what I paid for my new one last time. And it was 7% to finance! I think I'll try to put it off for a while. Maybe prices will get closer to normal.

[@ThisIsOurRetirement]

Yes car buying especially on second hand cars 🚗 is crazy price wise at the moment , things need to settle down Cheers 🍷🙂🍺

[@toddsmith1617]

Maybe you do but my wife and I I've had a credit card for over 30 years and ALLWAYS still do pay it off. We only ever had one.

[@ThisIsOurRetirement]

We pay it off every month Todd too we do have two cards each Cheers 🌺🙂

[@missbiggs9437]

I bought a copy of The Wealthy Barber when it first came out (first edition and still have it ). Read it cover to cover & started to implement the strategies but it wasn’t long before I abandoned them (because they were “too hard”) and instead partied “like there was no tomorrow”. I was young then but guess what, there IS a tomorrow and those party days are long gone. Now I’d love to go back and pick up from where I left off. Woulda, Coulda, Shoulda!!! 😢

[@sct4040]

I only started investing and saving when I turned 30, then it was automatic investments that I looked at monthly. Watching my investments grow was extremely motivating.

[@nrs6956]

Good health is great wealth.

[@ThisIsOurRetirement]

Absolutely!!

[@andreas4268]

Lovely to see you doing well Norm and Tina! 😊

[@ThisIsOurRetirement]

Thank you! 😊

[@herculesrockefeller8969]

I have an iPhone 8, and would keep it forever, except they stop supporting older tech, forcing you to upgrade. I spend $5/month for cellphone with Redpocket, which works fine for me. If I need more time, I can buy it as I need it, instead of paying for data/time/texts I will never need or use.

[@MHdollrevievs]

We switched to Google pixel 8, Way cheaper than Apple and Google will support the phone for 7 years.

[@terryevp4084]

Another Top-notch video. Many Thanks Norm & Tina.....!!!

[@ThisIsOurRetirement]

Our pleasure! 🌺

[@skyluke4972]

I got rid of eastlink cable tv and the land line telephone....saved close to $100/mth alone

[@55karenina]

Agree completely,I sending lots of your videos to my children Thanks

[@dennyd4848]

Not only do these tips, improve your financial health, but I think all of them will improve your mental health as well and physical health. So it’s a win-win solution! Good work guys.

[@denisemaitland7302]

You guys are awesome! Love from Indiana

[@ThisIsOurRetirement]

Thanks for watching Denise Cheers 🇺🇸🙂🌺🇨🇦🍷

[@Zues64]

great T-shirt, Norm. That was a great album back in the 80's. Sounds like you and Tina were "spirits in the material world" back in your younger days! Weren't we all? I sure had my share of new cars over the years. As I got older, I recall my Dad's ole saying when I was a teenager wanting a newer car: "a third-class ride is better than a first-class walk"

[@ThisIsOurRetirement]

We were ! but we did learn lots of lessons the hard way Cheers 🍷🙂🍺

[@joanneross6549]

Please share some recipes and cooking tips. 😋

[@ThisIsOurRetirement]

Try these for a start kzbin.info/aero/PLwerz80Ddyn15CF2zMtS6sFim4qcMs3eN

[@sandihunter1260]

We are selling our second car in August, down to one car. We currently own two parking spaces in our condo so we will rent out one monthly and make some extra money. When we eventually sell our condo down the road we will have two parking spots to sell with the condo.

[@ThisIsOurRetirement]

What a great money making idea Sandi , but a big advantage when you sell having two spots . Your book is 📚on its way we mailed it yesterday have a great weekend Cheers 🍷📚🙂☕️🌺

[@susankay497]

Thanks for the tips Tina & Norm !! Have a terrific weekend ❤

[@ThisIsOurRetirement]

You are so welcome have a great one too Susan Cheers 🙂☕️🍷

[@clairemoynihan9866]

I agree about restaurants. We used to love going out to eat about once a week. Anymore, it seems the service is not very good, the food is disappointing and it is so expensive! We make delicious meals at home and joke about how much we would have to pay at a restaurant for meals that are not even as good. In the past year, I got food poisoning twice, so now I am even a bit afraid of other people’s food handling. If going out, I prefer ethnic foods that we do not know much about preparing, such as Indian and Thai food.

[@dt8787]

Totally agree with your points. I normally would have bought a used car, however, during the pandemic, used car prices were ridiculously high. I think they are better now but I thought it was worth it to spend a little more and get brand new because of those circumstances. I plan on keeping the car ten years so I think it was better in my case.

[@robindales9303]

You two are great - thank you for your valuable sharing!

[@ThisIsOurRetirement]

Our pleasure!

[@tlr1604]

consumer cellular is super cheap

[@ThisIsOurRetirement]

Not in Canada

[@christopherbarker976]

Hi Tina & Norm good to see you when are you going to the trailer again? Regards. Christopher Barker

[@ThisIsOurRetirement]

Very soon! have a great weekend Christopher Cheers 🇬🇧🍷🇨🇦🙂

[@theresarowe1656]

Agree with everything. I’m looking at Home internet and WiFi costs now. Also how many things are moving to subscription models. We got a great senior phone plan for 2 with unlimited Internet.

[@valeriewalker954]

I agree. I paid my debt off in 2019 and no more. I only eat out 1 a month, so much saving & i am low income so i receive Agape food once a month. Every little bit helps.

[@ThisIsOurRetirement]

Thanks for sharing Valerie have a wonderful weekend Cheers 🌺🙂

[@kimkennedy123]

Disregarding the "Keeping up with the Jones'" mentality is key. Live creatively and debt free. It's fun and far more affordable! I own my own car and a tiny house with all solar and almost no heating/cooling costs. Freedom baby, yeah!

[@Melaniejd902]

I love your shirt, Norm. The Police is one of my favorites. Unfortunately they split before I was old enough to see them together. I was lucky to see Sting perform here in Halifax last year. He was amazing!

[@dancurran8977]

Thanks for the video. Here in the US I have made some of those same mistakes!

[@ThisIsOurRetirement]

The truth is Dan we have all made some of these “mistakes” 😂😂

[@alancane1482]

"Your Money Or Your Life" changed things for me. It shows you how to change your relationship with money.

[@alancane1482]

Like someone said, "When I think about going to Starbucks I burn a five dollar bill, shout my own name out wrong, and make a pot of coffee."

[@ThisIsOurRetirement]

We find Starbucks too strong for black coffee

[@ThisIsOurRetirement]

Thanks Alan for the book tip!

[@joycegonzales4994]

So true

[@alancane1482]

@@ThisIsOurRetirement Easy book to find at Goodwill etc.

[@Skiskiski]

How can I read this book for free The W B? Is it in the library?

[@ThisIsOurRetirement]

It should be in the library, you can order books to sent to your local library.

[@davidblack6413]

Dave Chilton's The Wealthy Barber was and remains the beginning of financial literacy for so many Canadians. Like you both, I started with it, and it led me to any number of other more sophisticated books on personal finance in Canada (Fred Vettese, Moshe Milevsky, Dan Bortolotti, Gail Vaz-Oxlade) and the U.S. (John Bogle, J.L. Collins, etc.) The Wealthy Barber was just what Canadians needed, given the exorbitant cost of investing here in the mutual funds era (some of the most expensive MERs in the world then) before index funds and ETFs arrived, and a certain degree of concentration in the banking and telecom sectors that kept related costs high. Thanks for these money-saving ideas.

[@ThisIsOurRetirement]

We totally agree David and it was a coincidence the book was just out as we arrived in Canada. We stopped investing in mutual funds because of those MER’s and they were loosing money in the late nineties. Thank goodness for discount brokerages and ETF’s and the invention of the TFSA! Have a great weekend.

[@davidblack6413]

@@ThisIsOurRetirement Agreed -- discount brokerages are wonderful things. I manage retirement portfolios for a number of family members and friends using several of the brokerage platforms (bank-owned in this instance). A suggestion for a future video is this: self-directed investing and using such brokerages for managing one's money in retirement (and obviously, as with me, before). As far as low fees and ease of use, there's nothing better than managing a portfolio of ETFs and/or individual stocks on one of the brokerage platforms. You could explore the pro's and con's of them, the need for a minimal amount of understanding of investing, etc.

[@ThisIsOurRetirement]

Thanks for the suggestion Cheers 🍷🌺🙂

[@evadeanu1]

I wish I heard about this 20 years ago. We did lots of mistakes, but not anymore. Thanks for the great video again.❤

[@ThisIsOurRetirement]

The main thing Eva for us all is to learn from our mistakes and not repeat them. 💕 have a nice weekend.

[@sudburydrone466]

👍👍✌️ I’ve never carried a high debt on any of my cards. Always kept 0 balance. Have put big ticket items on them for points but always had the money to pay off. I have an iPhone 6 😆

[@ThisIsOurRetirement]

If the phone still rings……..it’s a winner 😂😂📲📞☎️

[@fastwalker128]

Hey Norm and Tina, Thanks for the shoutout! I got your card!! Shirt looks good in yah! Sent you an email, too.

[@ThisIsOurRetirement]

Thanks again Tony, Norm loves the shirt thanks again for sending it , hope all is well with you have a great weekend Cheers 🍷🎸🙂🍺

[@ERGServices]

Love your channel! Times have changed unfortunately in regards to used vehicles. I’m seeing 4 and 5 year old vehicles selling within 2-3k from new vehicles due to supply issues on new vehicles. I’ve been looking specifically at certain models, and prices for 4 or 5 year old used are so close to new that it isn’t worth buying used at this moment in time. But it does depend on the manufacturer. New vehicles have a 4 month wait in some cases. I agree buy it outright with cash.

[@ThisIsOurRetirement]

By the end of the year prices will drop.

[@tdgdbs1]

Dealer's greed, supply issues resolved long ago.

[@padimills1494]

There are a couple of restaurants that have happy hour on Mondays. Chicken wings $11.00 I got a club soda with a twist of lime $3.50 Yikes. Next time I will just get a glass of water

[@marianneeichler648]

Hi Tina and Norm, good video as usually. I enjoy your talks very much. I'm going to the library to look for your recommendation of the barber book. I'm always open to $$ savings ideas.Keep up the good work, and tha k you

[@ThisIsOurRetirement]

Wonderful! hope you enjoy the book we loved it Marianne Cheers 🍷📚🙂🌺

[@activmike]

It’s not how you make it’s how you spend that will change everything. Wealthy barber was also one of my first personal finance book. It was recommended to me buy older more experienced friends at time. I now also recommend this book to younger people interested in changing there personnal finance habits.

[@ThisIsOurRetirement]

Very true Mike, thanks for watching.

[@kmilton1593]

Thanks for the helpful points. Were one to have an average or better income, then saving 10% is a great idea. (Have only one person in the family, yours truly, my coffee bill is zero, no t.v. so no netflix costs, cell-phone with data is $43/month, built the house with cash, no credit card loans since 1977, no debt, maybe one cheap restaurant meal per month). One point you could add is that by buying/driving older vehicles over six years old, thieves are less likely to steal them, and if your vehicle is dented or in an accident it is not as big a financial hassle to repair.

[@jimbertrand2499]

Congratulations on 60K subscribers!!! 🎉❤

[@ThisIsOurRetirement]

Thank you so much 😀

[@Bob-yh7ir]

Love it. These things get said on every financial and retirement blog or vlog and yet most people are still out there spending beyond their means. The simple life is a good life. Take some great trips every year in and out of country. Spend months away at a time sometimes is the thing to do. Just disappearing into the woods for a few days is also very fulfilling.

[@ThisIsOurRetirement]

Very true Bob!

[@bluewaveshows4u]

Hey Tina & Norm! Great advice as always! Thx for the ideas on how to 🎶🎵🎤”Put on the Red Light” with spending!😜 👍😊✌️

[@richardackley1823]

Oh I love that idea: leave the phone HOME when you go out for a walk. Wonderful idea, but if you’re not in a safe area, just Turn it Off until you finish your walkabout. I’m gonna try this. That way you can focus on the walking experience instead of distractions. Thanks Tina and Norm. Richard [Seattle Washington]

[@christopherbarker976]

Hi Tina & Norm great to see you both again and as usual some good down to earth advice pleased you channel is going well . Keep the good work up . Regards. Christopher Barker

[@ThisIsOurRetirement]

Thanks so much Christopher have a great week Cheers 🇬🇧🍷🇨🇦🙂

[@robertross8565]

What if Norm has a jammer while out on your walk? You'll want a cel phone for emergencies. Keep it on silent mode so it doesn't interrupt your walk but you still have it.

[@RoseGrace100]

This is so helpful Tina and Norm. Thank you so much!

[@ThisIsOurRetirement]

You are so welcome! have a great weekend Rose Cheers 🍷🌺☕️

[@philipskipper2683]

you are right the food and service is not as good

[@PhilipDodd-i6n]

Excellent advice, as always, guys ! Stay healthy and stay safe !

[@sgray4995]

My last car and current car, both Toyota Corollas, I kept one 14 years and this one will trade at 12 or 12.5 years, I bought one year old each, each only had 5k on them and paid cash. It's been great! I will do the same in 2 years from now for my last car.

[@colleensmith3374]

Thx for sharing

[@buffycat4641]

Haven't had any credit card debt in many years thank goodness, but I was in my 40s by the time I learned that lesson. Did buy a new car about 3 months ago but paid cash after an excellent trade in. I go cheap on phones, I have 2. One is a Tracfone for $125 a year, and the other is just $24.99 a month. Works great. Question: Have the horrific forest fires been anywhere near your location? Hoping not, as the smoke can be damaging to your health. Down here in Georgia we even had a layer over the mountains for a few days. Love your videos.

[@Northern_Squirrel]

Happy Sunday and thanks for the tips Tina & Norm. We are guilty of some habits you have mentioned here. We did buy 5 new cars over 3 decades, not top of the line, and spent extra $$ on technology as well. It’s hard to avoid restaurants when you are traveling. We do take cellphone when we go for a walk, not to stay connected but rather for emergency purposes. Happy Father’s Day Norm❤🎉 🍺

[@ThisIsOurRetirement]

Thank you 🍺👍

[@mikimotomikimoto]

We agree with you Tina and Norm! ❤👍🌞

[@sheilaenglish9738]

How do you share a Boston Cream? It sounds like a messy proposition 🤣 Agree that often restaurant meals are disappointing plus they are so much more expensive. I still like meeting friends for lunch but do it much less often. Sometimes a park visit like those we started during the pandemic is just as good.

[@libbyannstew8775]

Happy Saturday Norm & Tina. Love the t-shirts this week - very becoming on both of you. The money-saving habits in this video are so on point. I subscribe to all of them and it really does make a difference. Every New Year’s Day my husband and I chat about the previous year and whether there are any expenses we could eliminate. We’re running pretty lean and mean now but a review is always worth the effort. Keep up the great work and enjoy your weekend.

[@ThisIsOurRetirement]

Love that! great idea a yearly chat LibbyAnn thanks for watching have a wonderful weekend Cheers 🍷🙂🌺☕️

[@monalisa233]

Lovely necklace Tina! I have tried to always live within my means. So trying to stay away from new cars etc. Working on paying off all credit cards before retirement. Will have a house payment but hoping to get that gone too. My tech items like iPhone or Laptops etc are part of my job and tech support so I cannot quit getting those until later. Happy Fathers Day Norm! Hope you both have a lovey day!

[@ThisIsOurRetirement]

Thanks so much!

[@robertr4715]

Great advice! I have a work vpn right now, but will look for another when the time comes!

[@ThisIsOurRetirement]

Thanks for watching

[@scott1441]

Collect all spare coin change and cash it in - it adds up quickly. Also cut stream monthly plans if you are not watching the channel on a regualr basis

[@ThisIsOurRetirement]

Great idea Scott we keep forgetting all that small coins lying around Cheers 🍷🙂🌺🍺

[@Bailey1879]

Thanks for sharing!

[@slothy-sloth-sloth5681]

Great tips!! I agree about the restaurants. We just don't enjoy the food for the most part. We do have a few farm-to-table restaurants in town where the food is fabulous (but pricey). Otherwise, the food we buy to prepare at home is far better. I'd rather share a good steak (on sale) and homemade salad with my husband for 1/3 the price. Have a great week.

[@monicaambs]

What in the world is VPN? And how much tech knowledge do you need to implement that???

[@simplycm]

Fantastic upload

[@ThisIsOurRetirement]

Thank you! Cheers! 🙂🌺

[@RetiredLovingIt]

Great points Tina & Norm! We agree totally!

[@ThisIsOurRetirement]

Thanks for watching guys Happy Father’s Day Cheers 🇺🇸🍷🍺☕️🙂🇨🇦

[@bobbasar6424]

Great Video! Wasn’t it Tin? LOL Not eating out for a month? That’s a shocker but good for you! I have a favorite place for brunch to get a bacon, lettuce, and tomato sandwich. But I got to save the beverage (pop). It’s getting to be as costly as the sandwich! Love you guys! Stay well!

[@lindaripp5902]

Thanks

[@ThisIsOurRetirement]

Your Welcome🌺

[@lmr691]

Apple suggested I didn’t need a vpn on my apple but I have had one for years now, for my piece of mind. I like the vpn on my iphone,too. Have always paid self first, a lifetime habit. But, we did buy a new car because the interest was 3.1% and payments weren’t going to be a problem. The “new” car was a demo from dealer, thought price was good after checking internet price. I love the new car, traded in a 19 year car. Like not worrying for possible break down. Love watching your posts.

[@ThisIsOurRetirement]

Thanks for sharing your experience, buying a new car is OK if you are going to keep it for sometime. Thanks for watching we do appreciate it.

[@canpin]

As an IT professional, (Nord) VPN and private browsing are great tips. Travel and airline websites do tracks visitors (sneaky actually).

[@ThisIsOurRetirement]

We think so too ! hard to get a deal if big brother is watching you LOL 😂😂Cheers 🌺🙂🍺

[@barbiec4312]

We agree with you Tina and Norm! ❤

[@dougdoty4718]

Thanks again for your ideas of things to think about. We did just buy a 8 year old truck, to pull a new to us RV trailer. We did take the loan on the RV. So we could pay cash for the truck.( 30k plus taxes and insurance= 40K) same for a used trailer 😢 Anyway the loan on the trailer 8.99%. That's $10.50 a day for interest. Just to let you know that interest rate and the taxes in B.ringC.ash provence.

[@rossmacintosh5652]

Hi Tina & Norm! The Wealthy Barber book made a big difference in our lives too. My wife & I had just started our careers after university graduation and were given a copy by my father-in-law. I really think the lessons learned helped us get off on the right foot. Most impactful lesson was that we could be financially secure even on modest incomes. Sadly too many people think being financially secure is only something for others that are high earners. They use that chip on their shoulders as justification for not incorporating simple, proven effective, common sense financial practices in their lives. Now in our 60's we did some 'decluttering' and got rid of most of our books. One I kept was my signed copy of The Wealthy Barber. It serves to remind me of the important lessons it shared with me and that shaped the success we've had in our financial life.

[@ThisIsOurRetirement]

What a great comment Ross, thanks for sharing.

[@ericfoss5457]

Amen. Well said Ross

[@waffles1ca]

That book was life changing and really it’s a simple formula, pay yourself first, I see high end coffee shop drive through lanes and think… never read the wealthy barber.

[@Skiskiski]

How can I save for more retirement, cut back on spending unnecessarily. What is your input?

[@rossmacintosh5652]

@@Skiskiski The answer is even easier than you might anticipate. You could buy or borrow a copy of 'The Wealthy Barber' by David Chilton, and read it. The timeless financial advice in it is conveyed as a story that makes it an easy read. Chilton basically repeated most of the financial advice of the classic book 'The Richest Man in Babylon'. That book conveys the info in the form of an ancient parable. Chilton realised that the info might be better conveyed in a more contemporary form as it can be hard to relate to ancient Babylonians. In Chilton's book the mentor is a barber who conveys simple, proven, timeless knowledge to some customers. Using that knowledge in his own life, the barber had become wealthy on a modest income. Chilton chose a barber as the wealthy guy because most readers don't think of barbers as wealthy. A big point was if he can do it, anyone can! It's not about building the kind of wealth to buy Ferrari or a yacht but rather to be financially secure. It will take patience but anyone can do it.

[@tammydonnelly6728]

hi Norm and Tina. what internet service are you with?

[@carolnavan4137]

Great ideas! Fab tshirt!

[@florenceledgister7327]

Sane and savvy, I'd say. Thank you for sharing 🤗🤔. Fr Island girl

[@verabrunobossio2857]

Omg! Thats awsome! 😊

[@seasonschange4337]

Good advice. Your both looking good. Hope your summer is going well.

[@ThisIsOurRetirement]

Thanks, you too! have a great weekend Cheers 🍷🙂🌺

[@jmjcc5]

Nice T-Shirt!

[@ThisIsOurRetirement]

Thanks!

[@michaeljohnchapman8772]

Best wishes from Brazil. ..

[@ThisIsOurRetirement]

Thanks so much Michael! Have a nice weekend.

[@vivilipbalm]

Awesome tips. Love them, we do the same. never go out for dinner, as tips % are crazy in our days, we cook home and we know what we are eating. Lots of ways to save money. Love your YT 😊 Thanks lovely couple

[@paulhunter6652]

Hi Norm and Tina. Great tips and financial advice that can help everyone. Wise U Tubers. We use included Apple relay that come with Apple products. We also use private browsing plus we regularly delete our browsing history. VPN’s can mess with Apple. Got rid of them. We were at four of our favourite restaurants this weekend in Niagara on The Lake and the food was fantastic! Enjoy your week! Cheers.

[@ThisIsOurRetirement]

Glad you enjoyed a nice weekend Paul thanks for watching Cheers 🍷🙂🌺🍺

[@parkpllc]

The contents are great and you both look so young!