Top Reasons To Retire As Soon As You Can

[@jenandkurt]

Azul,..a huge thank you!!! I'm 54, my husband is 59,..we both hated our average jobs with a passion! We both thought we had to keep working out of habit., we didn't know any better. When my husband said his job was affecting his physical health( warehouse),..I told him to retire & that I would support him. Well,...4 months later,..I was let go from my job,..(my boss wanted to hire younger for less pay). I looked at our finances (401k)& realized that we CAN both retire!! What really resonated with me was when you said to enjoy the early young years of retirement. This early retirement only happened because we sold 50% of our possessions and live like minimalist. We buy absolutely nothing, we only spend money on experiences. Thank you so much for normalizing early retirement while young & able & not working to DEATH!!! Jen MN

[@funL1F3]

I smiled reading your post! Enjoy, you guys deserve it! From a fellow Minnesotan who also hates their job (post office). I’m 45, and I won’t work a lick past 46.

[@jenandkurt]

@funL1F3 Thank you for your comment. Yes ...please retire early. Life is more than working like a slave. Stay warm! Today's wind was nasty.

[@Revy8]

Classic boomers. Ruined the economy, got everything for free, complain that no one wants to work now, retire at 45

[@kathyg1346]

Do you have to spend a lot for health insurance?

[@jenandkurt]

@kathyg1346 yes, retiring early means you have to buy health insurance under the affordable care act. The salary you report it what you choose to withdraw annually from your retirement.

[@johnfortes2171]

I'm 75 - retired at 58 and never regretted it. I had 10 very good years of travel etc.etc. Now that I'm older I can sit back and remember the good times. It takes proper budgeting and planning but is well worth it! No use giving your best years making someone else rich.

[@bradbrown1824]

Thank you for posting this. I’m 54 and frequently think of when a good time to retire would be, have just started to enjoy travel too.

[@brianmoreland9714]

Azul, “retirement” is not the only option. Transitioning from a full-time to part-time position is also a valid option. Might be worth doing a video about that topic. Keep up the great work!

[@ATRTAP]

I know, retire and do what?

[@jennysims1]

I’m 64 next February. I have long service leave from February to May next year, in which I’m travelling. When I return to work in may 2025, I am then going to 4 days pee week instead of full time, most likely till I retire at 67 years. I live in Australia

[@veritasmanagement18]

Azul...great video. My wife (53) and I (54) just retired from our primary professions after over 30 years of 7 day work weeks building, growing and managing a medical practice. The stress of our responsibilities was overwhelming for me and I could feel it physically whenever I was in the office. We have downsized and focus our days on staying healthy and traveling here and there. We do manage some of our rental properties that continues to keep us busy and engaged but the stress is much lower. The first 4 months was a great vacation and now we are coming to terms that our purpose is to enjoy the simple things of each day. Your videos for us are inspirational for sure. Thanks.

[@susankievman642]

Retired at 72, mostly for financial reasons and still concerned about the future. I am very healthy and vibrant at 73 and feel like 50. Moved to a senior living community because of all the activities and clubs to get involved with right at my fingertips. I can’t see getting bored!

[@waterkoppie]

About the second point. When I retired at 60 colleagues asked me what I was going to do. I then said : what are you going to do at 67 ?

[@Travlinmo]

Great response. I need to steal that.

[@hahamasala]

That's a great one! The answer is a lot less.

[@poughkeepsie8516]

I like the way you think! 👍

[@derrickstarosa7007]

I absolutely love your thinking.

[@havenpersonalcare7968]

That's a good comeback; all the best.

[@Addlife2days]

I retired early at 57 which is almost 3yrs back. I really enjoyed my life thereafter. Don't bother what other people are thinking or asking. Do what you like to do.

[@isaacfrimpong8852]

how did you do it?

[@Colichemarde]

I'm 60 and retired 4 years ago. I got sick of the rat race. Now that I'm retired, I actually enjoy working on things I WANT to do. I do a lot of volunteering. It's great! I take naps in the middle of the day, play drums in a local rock band. build stupid structures on my property, and serve as a reserve deputy sheriff. I'm doing all the things I've always wanted to do.

[@Colichemarde]

@@Jazz-fg2dm Absolutely! There's a big difference between retirement working and rat race working. I set my own hours, do what I want to do and am loving it. Money isn't an issue. I live small, have significant investments and have a pension rolling in every month.

[@Addlife2days]

Love you

[@ranjanroy8032]

😊

[@ranjanroy8032]

😊

[@joeysocks5718]

Sooner or later, your body's Check Engine light will come on for anything from arthritis to heart/cancer. Live while you can!!!

[@os6997]

"body's Check Engine light" : I love your analogy, so true !!!

[@dennisd4027]

I've never been impressed or "happy" for some one when they tell me what they do for a living. However, when someone says "I'm retired", I am genuinely happy for them and interested in their journey of how they made that happen, especially if they are a "young retiree".

[@Mikevdog]

I tell them " you won!"

[@thomasf.4687]

Dear Azul, thank you for your work, I like your direct speaking and don't being afraid to say ^when you die^. I was forced to retire with 55 years last month with a severance payment after 38 years as a truck dealer. Most people are jealous and telling me I'm to young😅greetings from Germany

[@gvwj]

All great points and i agree 100%!!! Im 44 and looking forward to retirement at 55!!! I know I'll love it!

[@catherinefrancis5827]

Retired 2021 - enjoying life-actually living my best life ever 🥰🥰🙏🙏🦋 It really irritates me when I’m asked “when are you going back to work?” My answer “Lord’s willing-NEVER”❤

[@StayInTheWord]

I’ll retire when caffeine stops working. Financial Planning is not a difficult job and I love helping people understand their finances, creating plans and seeing assets transfer from one generation to the next. Grace & Peace

Very helpful, thank you. It’s definitely not just men. I’m a 63 yr old female doctor, struggling with this decision. Even though I have kids and a grandchild, my identity is primarily as a physician. Very hard to give that up.

[@tancreddehauteville764]

63 is old enough to retire - even if you're a doctor. Just do it. Your identity is NOT your job!

[@melli-yelli-i8i]

As a woman who mostly single parented , my work, career, has been my identity, my kids are grown now but its been this way for me all along the path, i am a corporate child, its hard to see myself any other way, the thought of not working is both a wonderful fantasy and terrifying at the same time. The time is nearing and i have a hard time picturing what my days will be like.

[@poughkeepsie8516]

I‘m 57 now, will retire at 59 and will move to South of France 💃

[@ProctorsGamble]

Why is it not Southern France like everywhere else? 🤔

[@Addlife2days]

That has beautiful places. Wish I can travel there some day. Live you and wish you great time ahead

[@Gigi30107]

Just got the Christmas stuff down from the attic. Loading up two boxes to donate. The kids don't want any of it and I'm ready to free myself if some of the "stuff". Sad and freeing at the same time.😢😊

[@ellieraggs]

I have a single 77 year old friend who is still working. It's actually sad to see her miss out on so much, including travel with her partner who is older and now it's too late for him as he's lost his health. And money was never an issue. She and really both of them missed out on so much. If your partner is older, what are you waiting for!

[@Aldo-d6z]

Retirement is based on when you can afford to. It’s that simple.

[@davidkim3854]

I think we overestimate how much we will really need, but I will admit, it's hard to believe it

[@hammerhead2020]

@@davidkim3854 There are probably 100x more stories out there about people who underestimated how much they need in retirement than those who over-estimated. It's far more dangerous to underestimate, and far more common.

[@brisfocus3648]

Incorrect

[@patrickfreudiger1896]

Thank you Azul ❤. I‘m just in the Middle of this transition at 59. Your Video inspiriert me to move faster!

[@kidssport8167]

Love working - family, fitness and work keep you young

[@restoreamerica1558]

Good solid advice. I traveled for work for 37 years and retired at 58. A good friend that was heathy suddenly passed away with cancer and really made me think about my own mortality and health. So I decided to do it and couldn’t be happier. My relationships are better because I have much more time to spend on them. At 60 I am maybe in the best shape in 40 years. I have multiple hobbies that keep me busy and have made many more friendships over the last two years. It’s different because I was always a saver and was used to it going up, not down, but I didn’t incur a lot of needless debt so that alone can make retirement possible or tie you down to working forever.

[@skipgilbert1190]

I retired at 62 and have never looked back. I have several active hobbies that complement my healthy and fun loving lifestyle.

[@michaelmarmion648]

It’s a tricky decision to make, for me being happily single with no kids I retired at the first opportunity put all of my belongings in storage and started travelling in search of the best place to retire , after 112 countries I’ve opted for either Thailand or Spain. One never knows when their number is up is my mantra so I’m making hay while the sun shines and loving every moment🎉

[@jorgepineda4327]

Very happy for you. I am very close to retirement as well and also considering retiring in Spain, where I lived during college. Great place, you won’t regret moving there. Best of luck

[@belzoni1]

I could only say that I love traveling around the globe but I never find a better place to live than Spain. Quality of life, good climate, open and lively society, food, security and if needed good medical support. Lots of expats around, some coastal areas are a bit stressed, but still room for more.

[@hahamasala]

I think one aspect that gets forgotten is that people who are passionate about their work and enjoy it but don't really enjoy other outside hobbies or interests should probably retire later. Those who have many activities and passions outside of work should retire early.

[@Ccb88888]

“What do you do for a living?” is one of the first questions one gets in the US and Asia when meeting people. Not so much in Europe, where many do not consider their work to be central to their identity.

[@ajitmenon8246]

Very good well-thought out advice, Thanks Azul!

[@NKChaudhary-r5o]

Azul, thanks for making this wonderful video. Very informative and eye opening .

[@Philmorford-yy4kq]

Azul Please do video on part time work benefits

[@LimWeeChoon]

Great advice, i am 47 years old now. Planning to retire in 5 years and hopefully i can achieve the financial freedom at that time so that i can do things that i missed out or have no time to do so when i am working such as travelling, sports and such.

[@theoriginalDAL357]

I now work from home, and I likely will until I retire in 2-5 years, so I don’t have to worry about missing work acquaintances.

[@michaels7566]

I retired the first time at 55 and we boated down the ICW and stayed in Charleston for 3 months and then Sarasota for 6 months. I was bored out of my mind and we moved back to PA and I worked until my early 60s and then we headed to an over 55 in CA. After 6 years we had our first grandchild in PA and now at 70 we are back in PA. My lower energy level and recent bursitis would no longer allow me to do many of the fun things I did in my 50s and 60s. Actually, I don’t have the same passion to enjoy them now but am glad we did what we did when we did.

[@JBoy340a]

People should start doing things like traveling early in their life. Then there is a lot less feeling of missing out, etc. as you get busier with family commitments, etc. And you will feel confident of traveling with your children. This will pass to them a world view and understanding of different people's lifestyles and traditions.

[@H2R5GSXR]

We retired in 2011, still having fun in 2024.

[@peterdinglasan2158]

I am 57 now, I retired at 53, 25 years of law enforcement. I got bored not doing anything. I went back to work full time again.

[@rogercttt]

Thanks for your unique sharing. In my network of friends, for early retirees (before 55 years old), unless you have a mission, you may be perceived as boring or even lazy. To certain extent, it is very true. I am full time working, travel or vacation 3 times per year, exercise or actually swimming every weekday night, help babysit grandkid as much as possible, etc. why do people like me want to retire early and lose the identity, and routines? One time I was off for one week and not travel, watching KZbin, snacking, most of the time, that’s not what I am looking forward at this moment. I know people can volunteer after retirement, but I may as well just continue working, just my 2 cents

[@boyasaka]

Sorry to sound blunt But only boring people get bored There is so much to do when ya not at work

[@gingrai00]

We aren’t retiring just taking a long sabbatical… hiking the PCT, the AT, the CDT and maybe some others in between. The decision is, in part, in recognition of how hard these things are and how, as we age, they won’t be easier or maybe even attainable. One of the most important things to feeling able to do it is to be debt free…

[@JosephGoodwin-p7e]

an orb goes across the room at around 2,11 pretty cool, love your videos!

[@robertdittus1312]

Right as he said "fear of the unknown".

[@leacalais]

If you work an office job, one of the benefits of continuing to work is keeping up with technology. I’m 62 and have friends that retired 10 years ago and I notice their knowledge of technology is frozen in time. I’ve just put all my home computer data into the one drive and use Microsoft Teams and Onenote for so many things in my normal life. my retired friends have no idea about this stuff.

[@katz20200]

The elephant in the room often not mentioned re: retirement planning is the caregiving many retired people do everyday. It affects health, finances, and quality of life.

[@pierremaarek8471]

Such a dense pile of wisdom in so little time!

[@chrisnegele6875]

Just retired, this week will be my first full week of retirement. Very strange feeling not thinking about work at all. Im 66 and 8 months old in good health so have options of things to do. First up is a month or two vacation in Europe to think about the rest of my life.

[@spinnetti]

Could retire, but still don't know what I'll do with myself. Work gives some structure (and I don't mind it at all) and need to replace it with something to keep me going. With the move to work from home, I think I've already gone through some of the transition of loss of work friends and work identity and I don't love that. I'm starting to have those weird thoughts - like this is the last xyz I'll ever buy or do.....

[@RetJetFxr]

I’ve enjoyed an $80K annual military retirement, but at age 50 chose to drive a school bus about 30 hours per week for the very same reasons you mention.

[@TheBeingReal]

Everyone discounts the healthcare insurance costs when retiring early. If my spouse and I retired now, it adds a minimum of $140k to cover until Medicare is available. That is my #1 issue.

[@frankrizzo9291]

And that is why they won't do universal heath care, too many people could retire

[@morganjen1962]

A former coworker retired at 70 in 2018. He confessed recently that he might have waited too long.

[@davidcuervo1734]

morganjen1962 unfortunately, many people that have enough money to retire before 60, while at the same time do not enjoy their job don’t retire out of fear; it is the fear of eventually not having enough money. A scarcity mindset tends to have many people over delay their gratification. It’s so sad to see people who have those regrets when it was unnecessary.

[@WallyMast]

I'm 60 and healthy, could retire, but am still working because it's intellectually challenging but not stressful, and I enjoy the lifestyle that comes with working. I don't really know what I'd do if I wasn't working - I fear I'd be bored out of my mind. So I'll keep working until it stops being stimulating and if it becomes stressful.

[@chan400]

I worked for ~15 years and retired at 39. It didn't worked as expected. Then worked for another 5 years, planned properly and retired happily. Planning is essential for retirement.

[@nirmalhaldar6865]

Beautifully explained 🙏

[@SKYT021]

Retirement can offer hope if you've been earning a living from a job or business for at least 15 years or more with discontent. One can truly utilize their potential post-retirement. I'd love to mention a quote here: 'Love what you do, and you won't have to work a day in your life.'" Thanks 🙏

[@johnpiroz7075]

To me retirement is living stress free and do what you love to do. Some people might enjoy going to work, others travel around the world and so on….

[@BaggieBob]

It’s fine saying retire as early as you can! Some pensions are restricted in paying the full allocation as they request 5% in return (pay back) per year for every year finishing earlier than the normal retirement age!

[@rockinrodlittle]

My vacation phase lasted 5 years . Best 5 years of my life

[@aydasid]

What kind of health insurance options during the years before Medicare/Medicaid is available at age 65?

[@Addlife2days]

Retiring early has one major problem that is when you are free to travel or enjoy, your close friends are still in rat race. You need to learn to enjoy alone in most cases or look for new associations.

[@sylvaniaboi]

Was 60 in Sept 2024 - wrapped up an IT contract (been working in this field for the pasf 30 yrs) and am taking time off - maybe its retirement - I'll see how I feel - as I worked in an 'in-demand' field. However a good mate had a heart attack at 61 a few months ago - miss him - so we never know how long we have.

[@dnhman]

healthcare for spouse is the big reason to have to put off

[@chuck_in_socal]

That's it.

[@joeysocks5718]

Thats my issue too

[@carianin5293]

Very true.

[@richdewitt760]

True that!

[@Dweeble233]

Nationalized Healthcare would remove that hurdle.

[@norpfuseman1485]

Thanks for this reminder.

[@2tadhg]

What a great video! Fantastic information here.

[@JamesSCavenaugh]

We should also remember that, for many of us, our greatest investment is our children: not only do we pour money into their lives, we pour our *lives* into their lives. I have no greater joy than being a father.

[@aolvaar8792]

SSA will give you money for minor children, but you must retire on SSA

[@trailzrock2]

I had a daughter at 40. Could retire now at 52, but have to stay in town because of school responsibilities and everything Elise that comes with taking care of a minor. Since I can’t leave town, my compromise was to work 2 days a week. Make a little cash while having plenty of freedom to do other things. Didn’t really start investing till I was 35. Thankfully I lived well below my means and was able to accumulate enough to have freedom. My other asset is that my healthcare comes from being a vet. That gives me a lot of freedom to be able to break free from the health insurance that comes from working a normal job.

[@Riggsnic_co]

This is my fifth year after retirement. I’e been following the 4% rule thing I saw on a youTube channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get really worried.

[@JacquelinePerrira]

Not a lot of people are able to save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.

[@kevinmarten]

I’m closing in on retirement, too, and I have benefitted so much from using a financial advisor. I didn’t start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in more profit than some of my peers who had been investing for many years.

[@Jamessmith-12]

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

[@kevinmarten]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Carol Vivian Constable’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@Jamessmith-12]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@WealthyChronicle]

But what about the financial risks? Isn't it scary to step away from a steady income? Would love to hear more about how to manage that transition safely. 🤔

[@rogercttt]

Correct, most retirees will draw from their assets, if no or low pension, instead of building wealth like when u are working. Of course, if u retire very early, unless u inherited a big asset, u also have to prepare living more frugally than when u have steady income

[@Myffrree]

I retired at 49 after many years of health check warnings. I couldn't even walking up a slope in my me breath. Now, 23 years later...I would hike up any 1000m mountains without a second thought and just finished another lap of Australia, my fifth one.

[@gtrguyinaz]

49 for me and fully optimized….

[@thomaswiegmann4184]

There is NO single best time to retire. Or to retire early when you love what you do. Not everyone works in a grinding dump.

[@JBoy340a]

Exactly. You have to question why people would work at a job that is a "grinding dump". As mentioned this is your one and only life.

[@frankbacak8295]

I agree

[@newbiekhyber]

One of the reasons why people should work beyond 55 is BECAUSE it keeps you mentally active and sharp.

[@tyrancopeland8573]

Go to the gym and join a bike club. Keep physically charged

[@Sean_Morrison]

Nice video Azul. Like the black and white split screen thing. Wife and I just reached 2 million in savings this month. No debt. I'm 58. She's 51.

[@lookingfor-kp4po]

good lesson regards from iceland

[@NevilleBartos-el9qw]

The story that gets me is one told to me by an old work colleague. He knew this guy who worked to build some factory business. 10 to 12 hour days, 6 to 7 days per week. He set himself up to retire at 60. Six months out he visits the doctor with a niggling pain in his abdomen area. Tests came back, Im sorry, you have six to twelve months he was told. Needless to say he was very angry. You just don't know.

[@frankrizzo9291]

I work with a guy that was working until 70 to max out his social security, yep you guessed it, we lost him at 69. I felt so bad for him, not even 1 day of retirement.

[@chains6558]

Why anybody would want to keep working if they’re financially capable of retiring is puzzling to me. 40 years of waking up to an alarm clock with a stressful job I would rather watch the grass grow on the front porch with a glass of lemonade as I wave to those driving by who are still a slave to the grind.

[@tactical1224]

Well stated!...

[@techguy5318]

Agreed, but that can only be done by folks who have enough money to retire...what about the folks who do not have enough money??

[@Angela-tt5ik]

It's true about time we have left. But it makes a huge difference if you have a spouse. People don't realize that one income is a huge difference.

[@Ethan-bu2zy]

55 now. Thinking of retiring at 59.

[@TerryW5379]

I retired at 63 because I needed rotator cuff surgery and I had a physical job. After 6 years of retirement I wish I would of taken a medical leave and then continue to work another 2-3 years. Retirement is great, but it gets boring sometimes and finding purpose isn’t always easy. We travel frequently which is great, but in between trips I’m looking for things to do. If you have longevity in your family and enjoy your work think twice about retiring early. Statistics show that people are living longer not shorter, so if you retire in your late fifties or early sixties what are you going to do for the next 25-35 years?

[@davidcuervo1734]

Most people are not going to live until 90 or 95.

[@tyrancopeland8573]

Open a buisiness or invest in start ups that will keep the 🧠 strong and self worth 🚀

[@grahamp2334]

@@tyrancopeland8573 But that is also working. If you enjoy your existing career, why not continue?

[@frankrizzo9291]

Umm research also shows, the earlier you retire the longer you live on average

[@hahamasala]

Retirement with a side gig of stand-up comedy performing and show production is my goal. I'm 53 and taking to a financial planner to see if i can do it by age 54.

[@humongousdingus7382]

Azul, I am 60 (wife is 55) & want to retire but the healthcare costs would decimate the money I have saved up. I have looked into other options but I cannot find anything less than $3000 a month. I would need to find a job that pays that amount but then I cannot collect SS.

[@Jupiterplus]

ACA aka Obamacare could be an option.

[@humongousdingus7382]

@ Yes, that is an option but very expensive almost $3000 a month for me & the wife.

[@ariefraiser140]

​@@humongousdingus7382So you must either have a very very high income, most of your money must be in taxable retirement account and it's fairly high. With the ACA subsidy most couples aren't going to pay $3000/month.

[@jerrypedrick6206]

The UACA

[@humongousdingus7382]

@@jerrypedrick6206 What is that my friend??

[@adamossowski7627]

I’m 47 my wife 38.from financial standpoint we could have retired right now. Only thing holding us back is citizenship in the country we live , process takes 2 years and I’d have to improve local language skills, a bit on the fence with that as we’re both very good bike racers in prime form.

[@BobO-ps1py]

I disagree with your early retirement recommendation. Perhaps some people may enjoy throwing in the towel early, but for me retiring at age 70, was ideal. In a way, I even feel that I should have delayed retirement a little longer. I miss the interaction with my associates, the daily challenges of my profession, and the satisfaction of performing a worthwhile service. I’ve been blessed with considerable wealth, and good health, but I’m not adapting very well to retirement. Just my thoughts.

[@TeresaMicheals]

People are facing a tough retirement. and it's even harder for workers to save due to low-paying jobs, inflation, and high rents. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire in.

[@Franky-j6e]

The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.

[@Adam-dm8wg]

I hear you. That’s why it’s critical to have a solid plan in place. One mistake I see people make is underestimating healthcare costs in retirement. Those can pile up fast, especially if you retire before Medicare kicks in. Another is failing to account for inflation in their withdrawal rates. And let’s not forget about taxes eating into your withdrawals if you don’t manage things like Roth conversions properly

[@TeresaMicheals]

Exactly! That’s why working with a good advisor can be a game-changer. I’ve been working with Joseph Nick Cahill, a CFA, and he’s helped me avoid so many of these common pitfalls. He specializes in long-term and short-term investment strategies and even offers free consultations. He’s improved my portfolio so much that I’m less than 15% away from my $1.2M retirement goal now

[@Adam-dm8wg]

That’s impressive. I’ve been trying to manage my portfolio on my own, but it’s not really working. It’s like I’m always second-guessing my moves, and I’m scared of taking risks

[@chariotsoffire2714]

I can tell this is spam/scam without even reading the fake replies

[@LeadManageCoach]

Hey there! I'm 51 and currently semi-retired, excited to start a new chapter here in India. I'm on the lookout for some great financial planning and retirement planning software that could help me out. Plus, I’m really eager to become a financial coach and planner! Any recommendations would be super appreciated. Thanks!

[@carianin5293]

I will never be financially ready. Last four years ended that.

[@meenamaruthaiah]

I'll be turning 50 in 2025, and I've been wanting to retire forever. I have picked up painting and woodworking hobbies that i want to spend more time on. With my husband being self-employed, I've always carried the health insurance. We paid off the mortgage. But i feel stuck that i have to work for the health benefits. I feel like i will go crazy if i dont retire soon, but feel stuck because of the dependency on health insurance.

[@AZMarine513]

I am sitting at 12 months to my decision point on retirement. After 34 years of aviation maintenance management, getting up at 0300 every morning and getting home around 1830 every night... I am well prepared but am almost willing to be homeless if needed... LOL

[@sanjaykale6235]

Retired at 45..forced out of a hi paying job..n3ver returned

[@davidroux7987]

Pursue butterfly conservation

[@tsizzle]

I had kids later in life and for that reason, I won’t be able to retire early in life. I’ll likely be working until my 70s if I’m able to.

[@JonathanRamirez-l9g]

If you dont enjoy your job, retire now. But if you love and enjoy your job and earning more than enough from it, pls dont tell me to retire and enjoy watching tv the whole day. Thats crazy.

[@JonathanRamirez-l9g]

Having a job is not slavery or else dont work anymore.

[@frankrizzo9291]

Studies show on average, the earlier you retire the longer you live. So whether you like it or not, telling you to retire early is always solid advice. Why would you sit around watching tv the whole day if you were retired?

[@tonykelly1210]

You retire when you can or know we can afford too, some of us are fortunate to retire earlier than others

[@father88888]

active ageing is not easy to achieve, many retire n health n mental capacity goes downhill....

[@daleweiss9507]

I'm a 65 year old cattle rancher, I will retire the day after my funeral.😊

[@nelliesmith9730]

Everyone is different with different situations. Dont compare. I want medicare. Insurance is too high. People say they have 30 dollars policies. How that work

[@richardhudson1243]

People who are able to retire early are lucky . I have 15 months till 65 and need to look at calling it quits, my only fear is running out of funds much later, thus keen on investing. What could be the safest possible ways to invest for cashflow, in order to afford lifestyle after retirement?

[@winifred-k9e]

consider investment planning, learning from a well experienced advisor is invaluable and a great thing to do now

[@tatianastarcic]

That's right. I am a wife, mother of four and new grandmother, 28 years in Corporate America, retired recently at 57 after discovering the freedom investing could provide, been contributing to my portfolio since the pandemic in early 2020, and have grown a $250,000 savings account to almost 1 million, credits to my investment advisor.

[@JacobsErick-u8r]

Impressive can you share more info?

[@tatianastarcic]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Melissa Terri Swayne” for about 4 years now, and her performance has been consistently impressive.

[@LUCIASMITH-d1z]

Thank you for this tip. It was easy to find your coach on web. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.

[@EshankBahuguna]

I am 41 and I don't think I can ever retire , I spend 35 percent of my post tax salary supporting my parents, 25 percent on insurance & medication others. And I save the rest on commoditized assets. I only have 20 months of savings and I know that won't be enough since I won't have a pension in my developing country.

[@antoniodariocuomo]

So when it stops to be too early??? And when it starts to be too late? I was mostly waiting for that ranges😅

[@engineersacademy4137]

This is the same thought I'm planning for... Retirement as soon as possible targeting 55 😅

[@iiifchannel6300]

Work as long you can handle it. Then when retired , never ever think about work. Stay back and relax

[@davida.maclean2297]

Warren Buffett and Charlie Munger working into their 90’s. Why? Because they received tremendous satisfaction from being productive. Continue to be productive/helping others whatever you do in the final 1/3 of your life.

[@frankrizzo9291]

Did they though? I mean how much work do they actual do? Plus being the boss is different than answering to a boss. My guess is that most of him time spent "working" the past 20 years even, hasn't really been much work

[@johnmork59]

Looking forward to retirement, Im 57, teaching English on line part time for 10 years , no mortgage, very happy doing this job, can collect some retirement benefits from canada soon , living in Poland btw, cheers and wishing everyone here success in 2025 😊

[@desperatefortuneproduction3296]

Personally, I recommend retirement at 16. Unfortunately (or otherwise, considering Trump) I'm in theUK and my pension didn't start til I was 66.

[@Bailey463]

I love to retire. But I can’t afford too.