Top 5 Regrets of Retiring Federal Employees in 2023

[@ddddddno24]

This is so true....the friends part touched me. I feel like there will be no one at my funeral.

[@anneavelar9265]

Great messages Dallen. I needed to hear this. May i use Hippy Dippy, because I love it!!

[@1lif2liv]

You are spot on!

[@gregthomas2448]

I started my federal career at age 21 retired at 55. I worked so hard And so young and also threw in getting a Masters degree. I wish I had enjoyed my 20’s more. I’m 56 now and still healthy and retired, however I lament hitting work so hard so early. Married with two now grown kids. That empty nest comes up fast. Guys remember the average life expectancy is 73 in the United States.

[@classics-wz1bz]

That includes infant mortality. Average life expectancy in US if you're past infancy is 78 for men and 82 for women, again average...that includes smokers drinkers and the obese, if you aren't any of those you could easily add 5-10 years to the "average".

[@gregthomas2448]

@@classics-wz1bz ok Sorry. Noted ✅

[@toddritchie9137]

@gregthomas2448 Life expectancy for a Male is 73 - 74 years in America. Female average 78 - 79 years. You should also take a look at your grandparents/parents (both sides). Genetically you are them! They will give you a idea or range of how long you will live, barring some disease, accident, cancer, or other things that pop up in genetic code you have? So my Grandparents women lived close to 100 (both ladies). Men, one lived to be 87 the other 95. So for the men it's a range 87 - 95 if I eat right and take care of myself like they did! My Genetics researchers would say, I would defy the 73 - 74 year age range! Both of my parents are early 80's in age and in very good shape! Theoretically I should live into my 80s at a minimum? With advances in Medicines/Procedures maybe longer (no guarantees of quality of life). You should take a look at your grandparents/parents to.

[@gregthomas2448]

@@toddritchie9137 Thanks, very insightful - maternal grandmother died at 95 grandfather 89, paternal grandmother died at 89 grandfather died (heart attack) at 59 heavy drinker and smoker. My father is 83 fit healthy and active. My mother died at 46 from aggressive form of breast cancer. I’m 56 healthy and stay active workout swim and bike ride. My brother is 61 and healthy fit and active. Wishing everyone the best ⭐️

[@jd1811]

Same here, started Federal at 20 and retired at 51, regret working so hard and commuting so far for so many decades including on-call nights and weekends on the phone and sudden callouts to work. I feel like I’m many ways I wasted so much of my life, but I got the pension and that was a huge life goal. Wish I had more time to spend with my grown kids, although I spent as much free time with them as I could. Also greatly regret ever being married, should have just had my kids only and never put my trust in another in America. So many men feel the same in this regard.

[@Milkman3572000]

USPS employee here. 2 years left. My biggest pet peeve is people hanging on.., then dying. the US Government makes money from dying. Let that sink in... the US Government makes money from you not retiring. It's a MOTIVE. I will have 31 year at my MRA. I am going to win.

[@cyntae6325]

I’ll have 35 yrs if I make it with Heart Failure. There should be some kind of Stipulation if a person has a Life Threatening Condition should be able to claim your retirement before 62

[@FIRE_DrNinjaTurtle]

I have no regrets. I doubled my income after retiring and work less than when I was a federal employee

[@alyssamiller9329]

I can't wait to get out of the federal government system.... Seriously it's a messed up system.

[@s.k.6616]

I retired at 56. I also kept working and increased my income vs staying in.

[@garyandfeliciabrown587]

It’s amazing how that happens. More income retired than working. Been retired since 31 Dec. Life is good!

[@heidiampe8056]

Excellent info. Thanks!

[@lifeafterthesqueeze3861]

Biggest regret being a federal employee was being one. Being a federal employee the one thing you can count on is disappointment

[@nco_gets_it]

I enjoy my job, but the only real reason I work in the government is that there is a pension plan. Don't laugh, you'll be in the same boat once you realize you cannot save your way to retirement.

[@evanhiggins7298]

I'm 31, so it's not completely related but on "I wish I didn't work so hard I can relate". My job requires lots of sitting and looking at a computer screen. During covid I sat a lot and my legs got stiffer. It was a wake up call and now I'm more aware of my health and balancing work!

[@alyssamiller9329]

I'll be completely honest if I didn't have 10 years in the federal government, I would leave in a heartbeat. It's NOT getting any better. No short or long term disability coverage (unless you pay for it through a 3rd party). For lack of better words here.... Shit trickles downhill to us "peons" and it's become very hostile in some areas of the federal government. I'll be the first to attest to that. Things people would get fired for in the private sector (in a New York minute) the federal government unions back management more than they do the employees that pay dues. Sorry for the rant but it's accurate.

[@mdgirl7777]

Look at WAEPA for disability

[@alyssamiller9329]

@@mdgirl7777 I did. It's got a pre-existing clause that won't cover anything you have been seen for before. Most of the others have a 1-2 year wait. They were the worst coverage when it came to that. I have depression, anxiety and PTSD. In the chance one of them ever "disabled" me they would cover nothing.

[@danimartin818]

If you are now too disabled to do your job, look into federal disability retirement. It is a benefit that fed workers get that no one else does.

[@jmurphy644]

Great video Dallen. There's a lot of truth in there. I was also noting to myself how your delivery has gradually gotten so smooth with all these videos you've made over time. Great job.

[@bflgroupieninja4370]

One of my regrets is not taking the time to really review all my retirement benefits, options and entitlements well before retirement. Yes, I saved in TSP but I was way too conservative, too early. I could have maximized other benefits by doing better, in-depth and regular research. I wish I’d found your channel earlier, I would have made a few changes here and there to better diversify my investments. Thankfully I did most of the big things right, and I still have some options open, though not as advantageous as they would have been had I done them 10 years ago!

[@SpaceTech54]

Thank You!! YES, I listened to your initial Video!! And Live each and every one of your FIVE Regrets.... I have NONE!! Thank You!! I had a Five Year Plan - and didn't let anything change the plan... We need Insurance to buffer impacts to our plans - then execute!! Thank You...

[@behindenemylines3361]

No ever grave stone (I have seen) said: “I wish I spent more time in the office”

[@tgtongue]

Completely agree! I work in a department that works with people’s retirement and I see and hear a lot mention! Take note! I am so happy I have my hobbies. They have kept my friend circle strong and give me much to look forward to now and the future.

[@jessemarkle5413]

I hear many un the BOP regret not retiring sooner!

[@jarmourmcd]

Great life changing topics! Thanks for sharing your thoughts & experience with retirees

[@gford9988]

Profound advice. Much appreciated

[@sallywilliams5444]

Thank you for the thoughtful information on retirement.

[@casinosnoopy9900]

I no longer have to look at Blanca Bustos, there is NOTHING that could make me regret retiring.

[@cyntae6325]

Lol

[@c.hunter631]

Nice topic and thanks for your thoughtful words!

[@adriennebell5552]

Wow! Thank you so much for this!

[@directionofease]

Strong work, Dallen. Thank you.

[@jd1811]

This was incredibly insightful video sir, especially from a relatively young man. I hope since you’re still young you can put your knowledge to use so that you have far fewer regrets than some of us older guys have, wonderful video today.

[@pls5201]

This is what the young Haws hears. The points may be a bit repetitive but they are real (and #5 is so sad)! I mostly enjoyed my public service career (state level and federal). Worked too hard, but achieved my main goals. Retired w/enough @ 65. Haws' videos give us a chance to stop looking back w/regret. Plan and enjoy what you can of your life. Federal employees have so much more security than many. If you are not satisfied, enjoy that pension and those health benefits and look for a new job (part-time and avoiding the mistakes you made as a fed)!

[@celticmco5672]

#6 not maxing out TSP.

[@classics-wz1bz]

You do not need to max out the TSP, good grief I'm tired of people saying you need to CONTRIBUTE like 100k over a 5 year period or you'll regret not going above the match. You do not need 10 million dollars in retirement. A career fed has TSP with match, SS, and a pension, with SS and pension you're likely to only need 30-40k from your TSP a year o maintain your lifestyle assuming no debt or mortgage. It's insane to think you "need" to max out your TSP.

[@gford9988]

Happiness trumps maxing TSP

[@paulv8133]

I work for the Forest Service. Most ineffective, dysfunctional agency out there. Its all about me now, took me a while to learn that. My happiness, sense of accomplishment and motivation has nothing to do with who i work for anymore. Do what you want and make a difference where you can.

[@wayned7586]

Good job young man! Just make sure you learn from what you say.

[@d0x5j0]

Good information

[@barbsinclair7352]

I have to laugh, boy when I started telling people exactly what I wanted I lost a few friends then! Husband=divorce, boss=promotion that he didn't give me and he paid for it every day since, he never signed any retirement papers as fast as he signed mine, he could not wait to get rid of me! I get some enjoyment out of that! I have the friends I want, others were just co-workers and not true friends.

[@jamesvaughn5320]

Where you get the sharp blue suit?

[@nco_gets_it]

Regret 1: Sorry you were so weak Regret 2: Sorry you didn't get the memo earlier, but your family was ALWAYS more important Regret 3: Sorry you were a coward all your life--see regret 1 Regret 4: Sorry you were raised with no civic or social intelligence. See regret 2. Regret 5: Happiness is a decision, not a result. Only YOU can make you happy. See regret 1.

[@sethking3]

Hippy Dippy

[@johndagui2348]

Terrible video. Keeps saying g the same thing over and over to extend video. I have thirty two years in and will retire at 56. The only regret is not putting the max in TSP from the very beginning.

[@jh-il5sb]

sorry to be so critical.....but i wasted 8 minutes and 36 seconds of my life that i'll never get back!! maybe a sixth regret!

[@toddritchie9137]

I think in my opinion this will be the last generation that contemplates retirement! AI has been unleased by 2035 - 2040 it will have completely rewritten it's code and that will be the beginning of what I will term "The Great Unemployment of Man!" AI with all it's inventions and robotics and things we have never thought about will replace the human worker. By the year 2050 it's said if you live to see that day, you won't recognize the world you live in. That's how much change is coming in the next quarter century. So what does this next generation look like with out jobs? We worry about retirement? That's small compared to what is coming!

[@lizadivine3785]

I was confident until Bidenomics kicked in…food gas utilities go up up up…and feeling the pinch of having to replace appliances and water heaters every 6-8 years. It’s a real drain and pain for my budget. I planned to travel…that’s off the table at this point. As an aside I’m good with money, have no debt and I am SCARED for what’s left of my financial life.

[@danimartin818]

That's corporate greed, not the government. The corporations raise the price of everything because they can, with Republicans helping them every step of the way to screw us all over. Also, if you don't believe in Government (like the Republicans/conservatives), you shouldn't have a government job anyway. Go work in the private sector and have no pension!

[@lizadivine3785]

Haws please tell us your take on Jo bindens America

[@silkysmooth8165]

Another great video and topic. You don't need any bells and whistles, and you don't need any charts and graphics to get your point across about life. Someone mentioned "Bidenomics kicked in" I hope they realize that what we are seeing is from four years ago the Bidenomics hasn't happened yet we will see that in the next four years.