Trying to retire on Social Security only. March 2024 update.

Started tracking and publishing my expenses starting December 2023 when I received my 1st Social Security check and my wife's spousal benefit.
I do not recommend or advise trying to retire on Social Security only! Buzz
Email: [e-mail]
#earlyretirement #buzzretirementgarage #retirement #socialsecurity

[@kathyd7284]

We have been retired and living on our social security only for 7 years now. Have no debt, take two trips a year to the Caribbean, live a very frugal life style but seem to have plenty of money to do what we want. Don’t waste money on take out foods, restaurants, clothes, etc.

[@BuzzRetirementGarage]

It can be done! Thank you for your comment! Buzz

[@chris.pearson]

Your bringing in almost 4K a month and have a paid for house. You’re doing better than me and I’m still working. So people telling you that it can’t be done I just don’t understand. I think you’re making great decisions and are willing to pivot which means you’ll be successful. 👏

[@BuzzRetirementGarage]

Thank you for your kind comment! Buzz

[@TheFtm22]

So when my mother died, I discovered she was spending almost $200/ month on newspapers she wasn't reading! I cancelled all that and bought an annual digital subscription to the local newspaper for $50! I don't do the lottery because I hate losing and in my mind the house always wins. Blessed Easter to you as well.

[@BuzzRetirementGarage]

Thank you for your comment. My in laws were paying so much for natural gas because they just never checked. Luckily I helped them out after stumbling over the bill. Buzz

[@TruthBeTold87]

I appreciate these videos. I've got 18 ys until I retire and keeping my expenses low is key. I plan to have a paid off house (in 8 yrs) and no debt (already debt free minus the house). I'm thankful ❤ Thanks for info about the cat litter. I have 1 that I took in and a savings on litter is good.

[@BuzzRetirementGarage]

I wish I would have started planning in my 40's but KZbin wasn't even invented until 2005. You're doing great planning ahead like you are. Yes, the pellets from Tractor Supply are working well for us. Saves a lot of money and smells good too! Thanks for watching! Buzz

[@kelliehays3482]

Same stats here, TruthbeTold!

[@edsweeney6843]

Good job Buzz. The only people that you have to account to is you and your wife. But thanks for sharing. Always food for thought.

[@keithholloway5272]

Thank you Mr. Buzz!!! I'm going to get the Dave Ramsey app to do my budget too!!! Thank you for letting us get a glimpse into you and Mrs. Buzz plan every month!!! We line up pretty close to you. Retiring in 60 days and trying to land this plane. Going to try this thing called retirement not a millionaire by no means!! no 500,000 no where close but we are debt free. Taking small trips 100 miles are less!! Keep doing real please!!! Learning alot and really enjoying your ride!!!

[@BuzzRetirementGarage]

Thank you for your continued supportive comments! 60 days? I'm putting that on my calendar. (Done). We are similar so keep in touch and we can learn from each other! Buzz

[@keithholloway5272]

​@@BuzzRetirementGarageWill do!!

[@JohnBowl14690]

Keith - I totally agree with you. I have money set aside for traveling oversea, but I'm not sure how much I want to travel overseas. If I am concerned at all about expenses, I wouldn't take any trips overseas. Just give me shelter, internet, cellphone and enough money to pay my taxes, insurance, etc....and just a few extra bucks to have fun and I am happy. I don't need $7K trips or a swimming pool. A few bucks for a couple of overnighters to a 2-4 hour trip is all I need.

[@skydancerforever]

@@BuzzRetirementGarage Buzz, what Dave Ramsey app are you using? The free version or upgraded? Not sure what the upgrade one cost or if its even worth it?

[@BuzzRetirementGarage]

@@skydancerforever free version of "Every Dollar"

[@bethyoung4030]

I believe the stats I saw said 40% of seniors will rely solely on social security retirement so your assessment is very spot on!

[@BuzzRetirementGarage]

I read that then another article came out disputing that. So, who really knows. Thank you for watching! Buzz

[@xlerb2286]

@@BuzzRetirementGarage You look at the median amount of money people have saved by retirement and there's a pretty good percentage that don't have much if any saved. I hope it's a lot less than 40% though.

[@larry323]

Great job on the video Buzz!! I appreciate a person with a sense of humor and you definitely have that. Larry

[@BuzzRetirementGarage]

I'm just half crazy that's all. Lololol Buzz

[@peggyfarrell7623]

Buzz you are so amusing. You keep doing you. I love your videos, I think you are doing great.

[@BuzzRetirementGarage]

Thank you for watching! I do appreciate your kind words! Buzz

[@Mikemeshell63]

I retired 4 months ago,love it,im low maintenance,dont need alot,just family.

[@BuzzRetirementGarage]

Congratulations on your retirement! You made it! Best feeling ever. Thanks for watching! Buzz

[@lesgoff]

We reduced our monthly income be contributing more to savings and retirement so our monthly income matched our social security. We did this for the last 3 years, and we have lived very comfortable (no debt during this time other than similar items you have listed). It can be done but lifestyle for most will have to change. I'm retiring at 63. As you said, it's not for everyone but I'm ready to give it a try.

[@BuzzRetirementGarage]

You have a good plan and you implemented it, and stuck with it. Good job! Buzz

[@pinkorchid333]

i love your channel, good information! Thank you very much!

[@BuzzRetirementGarage]

Thanks for watching! I appreciate you! Buzz

[@brianderoach8342]

Appreciate that you clearly say you aren't an advisor. This is your journey. This gives me another perspective to think about. Thanks for sharing this. I never feel like I just wasted time on KZbin that I'll never get back.

[@BuzzRetirementGarage]

Thank you for watching and commenting. I appreciate it! Buzz

[@bobv7753]

Hey Buzz, thanks for the through report out. You & your wife are doing great! It is very helpful to to see the realities of what can be done with good planning & the discipline to carry it out. I am weeks away from joining you & believe that you can retire on social security. As you state this is not for everyone. So great that you are sharing your journey with us.

[@BuzzRetirementGarage]

Thank you for watching and commenting! I appreciate the feedback. It's a challenging experiment and us retired people need a challenge! Lol. Buzz

[@ethelperry4529]

Yep, YOUR (U+Wife) story ... I figure Your life IS Yours 🤗 today is my 1st day "with you", thanx again 👋🐢

[@BuzzRetirementGarage]

Thanks for watching! Buzz

[@henram36]

Appreciate the openess here about the expenses. You and your spouse's looks to be close to my projected expenses with my spouse when I reach retirement. I projected about $4200 per month (everything paid off, cars, house, etc) without constricting the lifestyle much. Hope you start hitting that even "stride" soon.

[@BuzzRetirementGarage]

We're enjoying the heck out of this retirement. Just being on our own timetable is so nice. If our expenses stay under control for a year I'll probably stay retired. If not, I'll be working part time. We shall see! Thank you for watching! Buzz

[@henram36]

@@BuzzRetirementGarage I'm sure you'll make this channel work out to where you can still be your own boss. You deserve a lot more subscribers than you've got.

[@BuzzRetirementGarage]

@@henram36 I appreciate your kind comment!

[@bobmorgan5612]

A great retirement gig is Door Dash, Uber Eats type work. At 70 I work a couple of days a week for a couple of hours and get a couple hundred extra dollars per month. Work when you want, as much (little) as you want. Supplement your SS income and not touch the savings.

[@BuzzRetirementGarage]

I have a friend who does that and he likes it. I'm worried about putting wear and tear on my vehicle. I don't want to have to purchase a new one anytime soon. But, never say never right? Buzz

[@judd_s5643]

@@BuzzRetirementGarageAAA has a chart that shows the cost per mile of a new car when driven 15k year is 42 cents - 57 cents per mile. If you’re driving an old beater, you still have to buy, insurance, gas, tires brakes etc. perhaps 20-28cents per mile.

[@aairsick]

@@BuzzRetirementGarage You have to factor in the mental health value of getting out and running around. Also, don't get hung up on the miles; cars are meant to be driven.

[@BuzzRetirementGarage]

@@aairsick True, but my 2018 has 141,000 miles. I'm scared.

[@punkbassandcovers]

The smile after the sugar daddy comment 😂 appreciate you sharing your journey, its motivation for us "younger" folks.

[@BuzzRetirementGarage]

Thank you for watching! She'll want a young person so stay in touch. Lololol Buzz

[@devengudinas1649]

Snow leopard

[@chacod.hastiin3775]

That was hilarious but true. Lol.

[@punkbassandcovers]

7:14 for those who want to go to it. Brilliant, Buzz still laughing.

[@davidfolts5893]

Buzz: You provide valuable content by showing people how to establish a minimum dignity floor for expenses with a reserve fund for unexpected costs that may occur. I hope your subscriber base continues to increase to help you not have to return to work. Your longevity estimation is generally on the low side; people such as yourself live beyond the averages. Controlling expenses is one of the biggest levers that a person has to not run out of money in retirement, and your careful tracking of expenses is a big part of the equation. If you ever venture down near Youngstown, Ohio, I would be happy to buy you lunch and chat about your retirement journey. Thanks very much!

[@BuzzRetirementGarage]

Thank you for your continued support! I'm having fun with this KZbin hobby but who knows how long it will last. I figured 10 years for many reasons. One being the chemo and radiation I had 10 years ago will take it's toll. Tracking expenses is actually a fun and time consuming hobby. I'm learning pricing on so many things I could be a candidate for the Price Is Right. I should send Drew a letter. Lol. If I do head towards Youngstown for any reason I'll definitely look you up! Buzz

[@davidfolts5893]

@@BuzzRetirementGarage I would enjoy that.

[@timelston4260]

My dad lives on Social Security alone in Oregon, which is an expensive part of the country. I give him money every month, but he just saves it. I think it's doable for people who don't have debt, have their house paid off, wear old clothes, and are content without buying a lot of things.

[@BuzzRetirementGarage]

It's definitely harder on a single check. Glad to read that he's making it ok. Buzz

[@timelston4260]

@@BuzzRetirementGarage Thank you. I'm glad to see it's working out for you, too. I hope you are getting a little money from these videos, or will in the future.

[@WayneMarcy]

Thanks for sharing Buzz..

[@BuzzRetirementGarage]

Thank you for watching. Buzz

[@theGIGbetween]

Hi. Millennial Mom here.. this is a very small suggestion but I am literally watching your video while waiting on my boys. You can reduce the “haircut” number by getting it done at a Barber College. They dont charge…. Bc the students need hours… some you might have to schedule. If you are anywhere near Mayfield the one at GoldenGate is good. I recommend. I have T-Mobile internet.. I’m in the Cleveland area. I’ve had it a few years and I don’t have any issues with it.. my kids play video games on it… Congrats on the lotto!! I buy them every now and again… but not the $50 ones.

[@BuzzRetirementGarage]

Thank you for watching! Good advice. Glad to hear about the T-Mobile Internet. That's what I'm leaning towards right now. I'll check to see if any barber colleges are around me. Maybe the Cosmo class at Polaris vocational school. Good thought! Buzz

[@imdcareys]

CABLE for News - You can get a UHF antenna and get local channels free off the air. Then all of the national news outlets have a lot of content on KZbin free. Just saying, depending on what you want, you could get rid of the monthly Cable.

[@BuzzRetirementGarage]

Working on it! Thank you. Buzz

[@Rsomero]

We switched to the TSC pellets years ago for the cats, works great!

[@BuzzRetirementGarage]

So far a couple of them like it, a couple don't.

[@Livindagoodlife]

As another old guy who's about your age, I love your attitude and demeanor about your approach to retirement. I retired at 62 and started collecting while my corporate wife is still working. We invested wisely thru the years and have already purchased our retirement home in rural Pa. and paid cash for it. We are working towards our full retirement with a feasible plan and God willing it will all work out. Keep posting your "Adventures in retirement " videos. I really enjoy your grassroots perspective!

[@BuzzRetirementGarage]

Thank you for watching! I know what I got myself into by not working a few more years. With my level of financial insecurity a smart person would have worked to full FRA. Could have netted another 50k- 100k for savings and that would have helped. Plus, SS would be so much higher. But, for many reasons I said stop. We'll see what happens! You sound like you're in a great situation! Just keep your health and you will enjoy the balance of your time. I appreciate your comment! Buzz

[@SimonEllwood]

My wife has been buzz cutting my hair for 21 years. The Wahl machines are made in the USA and are fantastic. I cut her hair too sometimes and other times she goes the hairdresser. If you invested how much you spend on haircuts for 20 years and put that in an investment calculator you may be surprised!

[@BuzzRetirementGarage]

Eventually I'll shave it all off. My tanned bald head will let me look like Mr. Clean. Buzz

[@joycef8443]

Been cutting the old man’s hair about once a month for the past 35 years. 35 years ago, he was spending $20.00. We have saved a small fortune!

[@BuzzRetirementGarage]

@@joycef8443 My wife won't do it for me. I have to pay the barber. Buzz

[@davidtrask151]

Hey Buzz I hope one day you can eventually get a bigger board to write on I can barely see what you are writing. Happy Easter to everyone watching.

[@BuzzRetirementGarage]

I'll bring it closer next month. Buzz

[@FooFan-b3k]

Yourre pretty good at this youtube thing. I have a feeling the money you're going to earn from your channel will more than offset any shortfall you have for the year.

[@BuzzRetirementGarage]

Thank you but I only consider KZbin as a hobby. It's not a revenue stream that I can rely on. But, for now, it's fun. Most of the money goes into my ETF'S and stocks. Hopefully I can ride this market a while before the inevitable pullback. Thank you for your comment! Buzz

[@jakemanchester5139]

@@BuzzRetirementGarage kzbin.info/www/bejne/Z3jciGOHm5ybppY These guys are great for stock advice

[@andrewwhite1968]

Cat lover here who likes to play cards from time to time. We have to take care of the critters around us and a little wager here and there makes life interesting. With respect to Dave Ramsey, please, please understand stock markets are at all time highs and we can't expect this to continue forever. When markets dive, it can take years for them to recover that we don't have as older people. Not advice, just food for thought. Keep it up, Buzz!

[@BuzzRetirementGarage]

I don't watch a lot of Dave Ramsey. He's one voice of many that I watch. I try to take the best advice from all. I think the market will correct soon. But, being an election year, it might not have a large correction until October. Who knows? Thank you for watching and commenting ! Buzz

[@danreilly7491]

Hate the cable bill plenty of room to cut in future for us Retired at 62. I use coupons for anything grocery related and charge everything with 2% cash back on all purchases and pay in full each month, wells fargo. SOFI banking 4.6% interest savings with direct deposits.

[@BuzzRetirementGarage]

I use the Costco credit card and pay off monthly. I think the Costco membership that I have is $120 a year but they recently credited me $317 for my purchases on the card. 4% for gas, 3% for resteraunts, 2% for Costco items and 1% for everything else. Thank you for watching and commenting! Buzz

[@calvinreichelderfer7989]

Hi Buzz. I think what you’re doing is great. I appreciate you sharing. Oh yeah I never heard you recommend living on social security. What I did hear sounded pretty good and that’s if you can be debt free and live below what you get from social security you can keep earning on you savings as well as retain your savings.

[@BuzzRetirementGarage]

You got the jist of it! I find this to be a fun challenge! Gives me another thing to do in retirement. Find the best deals and reduce my expenses. Thank you for watching! Buzz

[@antonygantt6459]

Thanks Buzz. My wife and I budget the same and I’ve been doing this for years now and I truly believe if you cut cable and work on your grocery budget you can absolutely live on your social security. It seems you are on the fence if you want to retire full time or go back to work so I think this may play a part in your budget. Anyone that budgets and sticks to them knows it comes down to wants vs needs. Love the videos and the insight. Hope you stay retired and keep the videos coming but only your heart will decide that (work or not)for you.

[@BuzzRetirementGarage]

Thank you for your comment! I agree with you. I have more work to do trying to reduce. I find it a fun challenge. I really don't want to work again but I'm so used to being the breadwinner it's still ingrained in my thoughts. I'm not used to getting paid without work. Hopefully I get over that feeling. Lol. As the temps warm and the sun shines the last place I'll want to be is at work! Enjoy your day. Buzz

[@OurRetireEarlyJourney]

Happy Easter Buzz to you and your family! We appreciate the shoutout on your video, very kind of you. We love your transparency around finances in retirement. We always get a tidbit or two and we enjoy seeing your success in your new retirement journey.

[@BuzzRetirementGarage]

Good luck youngsters! Lololol Buzz

[@grandmaspocketbook]

Thanks for the shoutout! Always good to see your breakdown. That’s really going to help you decide if you can stay retired. I especially like that you live life as you would like to do. Then you can decide if it’s worth it to you to scale back in order to retire. Also, thank you for the disclaimer. I never thought you were telling people to retire on just social security. However, it’s good to include a disclaimer. I’ll be doing a cautionary video about what I did as an example of what NOT to do.

[@BuzzRetirementGarage]

Thank you for watching! I appreciate your comment. Buzz

[@keithholloway5272]

Join the channel thanks to Mr. Buzz!

[@grandmaspocketbook]

@@keithholloway5272 Thank you so much!

[@keithholloway5272]

@@grandmaspocketbook Looking to catch up on your channel!!

[@grandmaspocketbook]

@@keithholloway5272 Lol not much to catch up on since I’ve only done 2 videos. But more will be uploaded soon.

[@kathypalmisano4419]

Looks like it’s working! Hope you can squeeze a vacation/trip or two out of the budget each year. Youre in the “go go years” so enjoy it before your health limits your ability to travel. If it gets too tight a side hustle vs returning to a regular job might fill the bill. I followed your categories and did a back of the envelope account of our expenses and came up with a $700 surplus per month. However I didn’t start taking SS until 70, with my husband switching to the spousal benefit since it was a few dollars higher. I was able to take a modest vacation this winter. Got a chance to be with the grand kid for a week in Florida. I will have to take RMD this year so my couple hundred thousand nest egg will start to go down. It’s good you don’t have to dip too deeply into your nest egg. By the time your my age hopefully your egg will grow so your future will be even more secure. I enjoy the videos and best of luck!

[@BuzzRetirementGarage]

Thank you for commenting! I didn't mention my KZbin income but it's starting to grow a bit. That will be used for the vacation if we decide to take one. Right now it goes into my ETF'S and stocks. Hopefully that will continue to grow. Buzz

[@regbuffett2811]

Great job tracking your expenses and making minor tweaks as you go Buzz. You’ve got this! Keep sharing, really enjoy your videos!

[@BuzzRetirementGarage]

It's actually a great retirement challenge and keeps me occupied looking for deals and sales. Thank you for watching! Buzz

[@lous.6779]

I’ve been on the Visible $25 plan for several years and I love it. HTH

[@BuzzRetirementGarage]

I think that's the plan that won't work with my phone. Too bad.

[@brucesnyder690]

Retired expat from the US living in Thailand six years. Live great here on Social Security and a small pension. Better quality of life at a fraction of the price. Eat out every day. Travel every month, within Thailand and to Vietnam every few mknths. You dknt need a lot to live well here.

[@BuzzRetirementGarage]

That's what I hear! I can't see myself making such a big move but never say never. ! Thanks for watching! Buzz

[@oldwentzvilleguy5435]

No way I could go back to that area. Too many bad memories of my old Army days.

[@rvdareyet7201]

We do similarly in Ecuador. We pay all of our expenses and have $1400 per month going into Savings and that's just from Social Security. Our 401k is just there for unexpected medical expenses.

[@ThunderStruck94660]

Hey, where in Thailand do you live? I am thinking of coming out there. I lived there first a year when I was in the service.

[@brucesnyder690]

@ThunderStruck94660 were in Trang, southern Thailand, near Krabi. Good for us, but few foreigners and English here. I just saw a blog that talked to US expats that moved to Hua Hin.

[@dr.nigelcool3771]

Buzz, you need a wider whiteboard so you don't have to rewrite all of those numbers month after month!

[@BuzzRetirementGarage]

It will be a running 3 months. I'll just move the months over. I was actually thinking about using my garage door but my neighbor would think I'm nuts and call the police. Lol. Buzz

[@gingermonette7455]

Insightful breakdown. Tips: Ditch the every kind of pod (laundry, d/w, coffee) as it is at LEAST twice as expensive as serve-it-yourself. A sponge and box of cheap Kleenex can do the job a lot cheaper than paper towels. $1000 a month for groceries is about $36/day. Unless you are buying steak and organic, you could probably reduce that. Looking forward to see how else you find to save!

[@BuzzRetirementGarage]

Thank you for watching! I agree that I have some work to do and some habits to break! Buzz

[@chacod.hastiin3775]

Morning Buzz. Its Monday morning April 1st here in ABQ NM with a nice rain fall in our desert as I contemplate stepping inside my job bldg. Enjoyed the video. Nice hit on the Lotto tix. Haircut budget looks great. I do my own HC, $25 is crazy nowadays. Use to pay $20 with tip. You mentioned getting beat up on the cable/net expense lol. I had DISH & cut that transmission & went to KZbinTV. Much better rate. I had spent over $16k for umpteen years on DISH. Wow! Anyway, have an awesome week. Thx for the vid.

[@BuzzRetirementGarage]

Good luck to you today. Watch out for those April Fools tricksters! Buzz

[@MrWaterbugdesign]

Can an American live on $600/mo? Depends on the American. In have for the past 14 years. That's totally spend. (Jan 1 account balance - Dec 31 account balance) / 12. No budget. Just what it is. I retired 22 years ago at 45 with $100k cash, $300 home equity and $2200/mo mortgage, $3k prop tax in San Jose CA. Must be a horrible life. Not for me. I was a software engineer so if I wanted more money it wouldn't be a problem going back to work. And I like writing software, still do just for fun. I own my Phoenix home and prop tax is $133/mo. I funded my retirement by slow flipping my house. Buy a dump, fix it up as I feel like it, sell after at least 2 years, repeat. $250k cap gain is tax free home sale. I enjoy design and remodeling. I treasure hunt for salvage building materials. I build doors, cabinets, etc... from thrown away furniture. Working on house #4 now. Because my taxable income is basically $0 I don't have to file state or Federal income tax. It also means my health insurance has been Medicaid for the past 13 years so $0 cost, $copay, $0 deductible. Best insurance I've ever had. Also free smartphone and plan (LifeLine). Took me about 5-8 years to really understand retirement and spending. I started getting rid of things to see how it would be. Soda was the first. Drinking 2 liters a day isn't really a good plan for living healthy to 100+. A little tough. Cable TV went followed by the TV and couch. Shocked I didn't miss TV. On and on. Tried no heat in winter...loved it, Not that hard in Phoenix. Hot water heater off in summer. Water is about 92F so OK. I couldn't have done this with a wife. But for me, that's also been great. Been married. Didn't see the point. Yeah, yeah, find the right one. I'm 67 and know a lot of 65+ guys who are happier solo. Know even more guys married who sure look unhappy but divorce spits the assets and that can be tough when retired. But Gray Divorce is increasing. Today I have $9880 cash in the bank, Seems like a lot to me. Plan to sell this house in 2025/ I may take SS ($3100/mo) in the fall of 2024 if money looks tight. I'll pay it all back when my house sells (one time pay back in 1st year) and back to letting monthly benefit increase. Basically a free loan from SS. Then I'll move to SE Asia. I'll have $550k cash throwing about $2000/mo interest. That's a good income in SE Asia. At 70 I take SS at $3800 (today's dollars) so $5800/mo. That's a lot of income in SE Asia. Great hospitals, great climate, many travel places to explore close by. For me being a single man the dating will be crazy good. Might even marry again. There are different ways to retire.

[@BuzzRetirementGarage]

I remember you telling us this plan on a previous video and you added more details which makes your journey even more fascinating! You're right. Being single opens many doors that only you have to walk through. Let us know if you take that move to Asia! Best of luck. Buzz

[@daddygc5814]

I would rather work than put up with this type of shit

[@DillonMcGlinn]

Cancel the cable tv, the haircut, the lottery and the newspaper. Keep the internet. You won't even miss them after the first month and you can get the news on phone and library. Lots of cheap streaming tv options (I pay for March Madness and Tour de France and some college football and it is reasonable on the specials). My wife has given me haircuts since Pandemic. Payback on Amazon clippers is 2 haircuts. Thank you for the videos. Very illuminating! Good luck to you!!

[@BuzzRetirementGarage]

I'm working on it slowly but surely. Thank you for your comment! Buzz

[@lindadorman2869]

A little saving goes a long way. If you were able to trim your expenses by just 10%, you'd save an average of $400 every month, nearly $5000 a year. Invest that money instead. I realize some expenses can't be reduced but most of these can...and some by more than 10%. An extra $5000 each year feels amazing!

[@BuzzRetirementGarage]

Yes! This experiment is fun! I'm doing spreadsheets on food costs, watching ads like I never have before, looking for deals everywhere. It's become a retirement hobby! I think I can reduce more but I don't know how far I can take it. Baby steps! Thank you for watching! Buzz

[@edh7658]

Thanks, we live off SS alone and have no trouble, have savings also for backup

[@BuzzRetirementGarage]

Excellent! Thank you for commenting! Buzz

[@dancurran8977]

We are Jersey Mike fans! We split a regular sandwich. Pretty cheap! I wonder if you can get free online newspapers and magazines through your library website?

[@BuzzRetirementGarage]

I think they do a good job but Subway is missing out! Buzz

[@PB-oj6jd]

I’m glad you are able to keep your case study in doing this on SS only going . Not having to go back to work and dealing with the daily grind I bet has definitely helped your lifestyle. The key is watching expenses.

[@BuzzRetirementGarage]

I couldn't imagine retirement being as good as it is. Only 6 months in and it feels like I never worked. It's soooo sweet! Buzz

[@Lazirus951]

I'm a "younger folk" and I've really been enjoying your channel and financial details. So many channels keep it so surface level, but I love your deep dives! I like the advice of the slow transition while working to see how it goes.

[@BuzzRetirementGarage]

Thank you for watching! You can learn the good, and the bad from me and others. Then you can choose what fits you best. Buzz

[@bethdobos8570]

Good content Buzz!! Happy Easter to you and your family !!

[@BuzzRetirementGarage]

Thank you and same to you my friend. Buzz

[@jeffbee6090]

"if you see anything on here that looks weird.... besides me..." --LOL!

[@BuzzRetirementGarage]

Truth!

[@anthonybutler3157]

Great video. Spend your money as you see fit. Take care of the cats and the birds. Love your breakdown. Looks like if your investments can produce $2000 a year you can cover your expenses. As Dwayne says you got this

[@BuzzRetirementGarage]

It's a fun experiment! It has challenged me and that's fun when retired. Keeps me thinking. I got this! Buzz

[@marianrosin6486]

That's really funny about Amazon and your wife! You have a great sense of humor. 😄

[@BuzzRetirementGarage]

It's true! Every time I remind her of that she gives me the stink eye. Buzz

[@xlerb2286]

The haircut line makes me smile. Cleaning out mom and dad's house I found the old sunbeam hair clipper box and there was a notebook in it. Dad had recorded every time mom cut his hair for about 10 years. I have no idea why, I suppose they were curious how much money they'd saved. (Yes, I kept the notebook). Yeah, we have cats too. Those expenses are not up for discussion. ;)

[@BuzzRetirementGarage]

That is so cool to have that notebook. My mom passed when I was 18 but one day I found an old pizza menu and on the back she had written what type of pizza me and my brothers wanted. So simple yet so sentimental. Buzz

[@jamesr1021]

I should have done that too as I have run the hair clipper through myself (buzz cut, no pun intended) for 15 years now! Helps afford what my wife pays for hers.

[@xlerb2286]

@@BuzzRetirementGarage It's the little things that mean so much. Both my parents lived to be 85 so I had a fair number of years with them. It's never enough though.

[@HippyCrystalLover]

I'm only 45 years old. However, I'm starting to think about what my retirement will look like in my not too distant future. I'm a single Canadian federal employee and I will be able to retire with my full pension at 58 (probably 57 if I buy back some time.) My mortgage will be paid off by then, so I'm starting to realize that I could live quite comfortably with just my pension, even though it will amount to 70% of the average of my best 5 years of salary. I have a mid range job, not too little, not too much. I have nothing saved up at the moment. I just got a promotion, so I will focus on paying off my credit line, then start saving in order to have a comfortable nest egg in case of emergency. I've recently started a budget. I want to learn to use my money frugally and with intention. I've been irresponsible with money in the past. It's time for me to wise up 😊

[@BuzzRetirementGarage]

Thank you for watching and commenting! Yes, important to pay off debt and start saving that money. It's never too late. You can stack a lot of cash over the next 10 years. Good luck! Buzz

[@thedot66]

I find it fascinating how terrified people are to discuss retiring on SS. Obviously triggers people

[@BuzzRetirementGarage]

People get triggered by minutia nowadays. Or, maybe it's always been that way and we never noticed. Hmmmm.....Buzz

[@richburrows3726]

Buzz Ive done my own haircut for several years. Get the wahl trimmer kit. For me it saves $25 every 3 weeks. I’m enjoying watching your channel at 51

[@BuzzRetirementGarage]

I'm so afraid to try that. Maybe I'll watch some videos on how to do it! Thanks for watching! Buzz

[@backcountyrpilot]

Unfortunately, at 5%, your US Dollar is not growing, it is losing ground to ACTUAL inflation.

[@stephencoutu2674]

You do a great job Buzz, and what an honest face! I give your wife a lot of credit for allowing you to put your lives out there for the whole world to critique, but what you are doing is so important and necessary for people who don't have a million dollars to retire on. I do feel you worked hard your whole life and now is the time to do some wonderful vacations for you and your wife! I do have one suggestion for helping with the expensive cat food issue, now and then let a bird out to play with the kittys. LOL

[@BuzzRetirementGarage]

Thank you for your comment! My wife has her reservations about what I share and she shakes her head a lot. We're just not big vacation people. I could do spur of the moment vacations but she'd have to put a lot of planning into it. She shook her head again when I mentioned the bird plan. Guess it's a no go. Lol. Buzz

[@stephencoutu2674]

@@BuzzRetirementGarage I am retired and planning vacations is the only thing that keeps my brain active and gives me something to look forward to. Do things you and your wife have always wanted to do before you are too old or sick to enjoy them. I remember my mother always wanted to travel to Hawaii, but by the time my father retired my mother became too ill with her diabetes to travel. Do wonderful things before the clock runs out, you deserve it!😼 I wish the best for you both!

[@BuzzRetirementGarage]

@@stephencoutu2674 Unfortunately my wife doesn't have much interest in travel. She always says I can go myself but what fun would that be? Such is my lot in life. Could be worse.......

[@jamesr1021]

My wife is more prone to want to travel far. I like to go where I can reach by car and Michigan in the summer is a great place to be for that (I retire in four weeks, great timing for that).

[@gobsmacked230]

We have a total monthly income ess Niall the same as you (I retired over 4 years ago). We are fine and have no problem meeting expenses.

[@BuzzRetirementGarage]

Thank you for your comment. I'm still working on spending a little less every month. I'll get there. Buzz

[@joshuabritt5677]

Hulu has a live tv and we are able to get some of our local channels for news.

[@BuzzRetirementGarage]

Last time I checked it would be $100. I'll have to look again. Buzz

[@calvinreichelderfer7989]

I pay $201 a month for cable and internet. If you use that for entertainment then why not? Maybe call the cable company and see what they can do. Do they have a senior discount??

[@BuzzRetirementGarage]

I will be traveling to the cable company in May sometime. I like to bargain face to face. A test of wills. Lol. If I don't get a sweet deal, I walk and go to plan B which I'll already have. We shall see what happens! Buzz

[@peter-pg5yc]

Inflation electricity doubled in 5 years. 175 for clogged toilet markets and interest rates do drop. gotta acount for that

[@lisaharrigan1370]

I know you said that your home insurance is $50 a month, if you pay by the month for car ins., house ins., and property taxes, you are incurring "service fees" for the "luxury" of being able to pay monthly instead of a year or six months at a time. I checked mine and I was paying $120 to have that monthly payment "luxury"!! I think you said you were $68 dollars in the hole last month, with just paying yearly or every 6 months you can make up quite a bit of that deficit. Be vigilant of service fees eating your money that could be spent elsewhere! On all your Insurances and other bills! It migh take some time to build up where you can pay things yearly or every six months but it will be well worth it when you can spend that service fee money on other things! You are doing a fantastic job of dialing down on each budget item but this is another way to save! I know $120 a year doesn't sound like much but it all adds up!! If you take care of your pennies, the dollars will take care of themselves!! There is no downside to cutting cable and TRYING sling, if you don't like it then you can go back to what you had and seeing you quit the cable company they will offer you a good deal to come back, so there is no negative! The same goes for your cell phones, try the new thing and the old company will offer you a deal to come back, so there is no negative! When you constantly stay with the same company for tv, internet and phone they have no incentive to give you a deal, once you quit using them THEN they offer the good deal to get you back! You can even call your current providers for tv, internet and phone and say to them that you have found a better deal elsewhere and they WILL give you a better deal to stay with them!! Try It, I bet it works! Tell them you are newly retired and have to cut costs and you found another company that will be cheaper...they will be falling all over themselves to give you a better deal to keep you as a customer! Coffee pods are a big waste of money, you are paying 50 to 60 cents or more for a cup of coffee that if you made coffee the regular way that would cost about 10 cents per cup! If you and your wife have 2 cups of coffee each per day, so 4 cups a day between the two of you, you are taliking and extra $584 to $730 a year ro have your coffee! What could you pay for that $584 or $730 extra that you are paying for coffee?? Lotteries are designed to keep you broke, $68 a month is $816 a year, what could you pay for that $816?? Are you winning back more than $816 a year, I bet not!! Maybe you should start tracking how much you pay into the lottery in a year compared to how much you are winning, I can guarantee you that you are not even breaking even the vast majority of the years. You might have a "lucky" year once in a blue moon but the vast majority of the years you are losing your shirt!! And you have to include ALL of your lottery expenditures not just the winning ones. You are down $10 even with winning on the lottery which means you shouldn't be relying on winning the lottery, How would have this months numbers turned out IF you didn't win the lottery?? Ask yourself how you would feel if your wife was spending that much money on lottery, gambling on whether you would make your budget or not for the month?!

[@BuzzRetirementGarage]

Lot's of great advice. For the phone I don't see that advertised deal any longer so if I go Mint it would probably be a long term deal. Hopefully no price increase. Coffee pods are from Costco and we get the 120 count box and buy when they have a $6 off deal. I believe it's 26 cents a pod. Years ago when I was working a guy had his wife throw all his clothes out the front door. I felt sorry for Roger. He was a supervisor in the shipping department. One Saturday I was talking with him and we had a good conversation and doing better with the sadness of his relationship with his wife. That night, he won $8 million dollars. Only saw him one time after that. There is other reasons I play the lottery, not Powerball or anything crazy like that and someday I'll do a video about those reasons. Still, your advice is spot on and I'll work on it for sure! Buzz

[@Tye1348]

Another great segment Buzz! Enjoy your style and presentation. Just a couple of thoughts. First off the $450 for switching banks will most probably generate a 1099 Misc. Secondly bottom line in retirement is living a lifestyle you can live with! Others may criticize your expenditures, but they are yours to choose. Enjoy your life today for (as the Beatles said) tomorrow never knows! On a personal thought, would love some guidance on your recording process for you tube? Am considering a personal endeavor much like your own for myself. Take care and stay safe. Looking forward to your next post!

[@BuzzRetirementGarage]

Thank you for watching. Yes, the paperwork shows they will treat it as income. That's ok. We're having a fun time in retirement. I've almost forgotten what work was like! I started KZbin videos because my wife kept telling me to go play outside. My first video I propped my $250 phone on a box and sat on a plastic bucket. 46 videos later I bought a cheap holder (tripod) for the phone and I sit on my telescope chair since my fat butt broke the bucket. I do one take, no editing. Title it, describe it and upload. Let me know if you try it! Buzz

[@macknpegfay4140]

Hi Buzz I just wanted to say that I love your videos! It is so refreshing to watch them. To me you are an everyday guy and I can relate to that much better being I am an everyday gal ... your "average Joe American" nothing hoity toity and that is perfect. Can i ask you what you mean when you said "I buy 2 tickets back to back" I'm sure I'm thinking into it too much 😅. Keep all the videos coming. Your sense of humor is refreshing. Thank You

[@BuzzRetirementGarage]

Thank you so much for watching and commenting! I just wanted to stress that on this particular demonanation of ticket ($50), I feel buying two tickets in a row increases your odds of hitting. So ticket # 25 and #26 for example. I've won $250 four times and $500 once since I started playing them last year. I think there's more payback than a $30 or $20 ticket. Again, I only buy once a month so I limit any loss to $100/month. I don't play any other instant tickets games. Go big or go home! Buzz

[@swilliams2575]

Thanks for the update. Keep on trimming expenses and y'all will do just fine. Spring is here in Ohio and I might have to cut grass next week after the upcoming rain.

[@BuzzRetirementGarage]

Thank you. I almost mowed day before yesterday in one small section. Everything else too wet here in Cleveland. Buzz

[@FailureatRetirement]

Hey, thanks for the mention!! I really appreciate that 👍🏼 I really enjoy watching your channel and can’t explain my odd fascination with your budget videos. I’m quite a few years from starting SS myself but I’m rooting for you to make it every month.

[@BuzzRetirementGarage]

Hope all the channels can grow a bit. The KZbin income goes straight into my ETF'S and stocks so hopefully I can bank some money this year. Buzz

[@FailureatRetirement]

@@BuzzRetirementGarage I think it definitely helps. I’ve noticed your channel has grown quite a bit since I found you, or maybe you found me (don’t remember), as has mine. I think the thoughtful, and occasionally witty, comments help a bunch as well.

[@BuzzRetirementGarage]

@@FailureatRetirement I still marvel that KZbin pays an idiot like me! Lol.

[@FailureatRetirement]

@@BuzzRetirementGarage I’m not quite paid yet but I get it. I thought there couldn’t possibly be more than a dozen people that would be interested in watching some old fool. 😂

[@peterboria488]

Failureatretirement

[@mauricejones6993]

You are very encouraging on retirement. Thanks Buzz!

[@BuzzRetirementGarage]

Thank you for watching! Retirement is glorious! Buzz

[@judiashley5818]

I got another high earned year to knock out a lower year and just got calculation, and it only increased my projected earnings by 35.00 per month on SSI. Oh well. Im 65 and stll waiting to collect

[@BuzzRetirementGarage]

Hopefully they do you right! Buzz

[@oldwentzvilleguy5435]

Bud thanks for all of your information. Most people should realize one plan does not fit everyone. The one expense that drives me crazy is TV and internet. I wish that I could convert more to the streaming platform. Keep fighting the good fight.

[@BuzzRetirementGarage]

Thank you for watching! I appreciate you. Buzz

[@keithbuckley1847]

Hi Buzz, like other comments here, our numbers are similar. My car insurance is higher but property taxes lower. It’s a wash! Don’t give up on the lottery if that’s what you enjoy. Hope you and Mrs. Buzz had a great Easter.

[@BuzzRetirementGarage]

Thank you for your comment! We did have a great day. Buzz

[@davidgabrie1302]

I know it’s impossible to live on only SS, and then you have to pay taxes on it too, and then there’s Medical expenses. You might be able to if you moved to another country, or go to somewhere like Slab City. My wife could not find any work as an 30+ year experience in Mortgage Underwriting and retired at 65. I continued working till 69. I’m now retired for 3 months. What makes me sad is to go to Target, a Restaurant and see elderly people working because they have to. If you use Food Bank or Food stamps it can help, sadly many are losing their dwelling and are living in their cars. Thanks for your videos, my job was extremely physical and I could not continue working.

[@BuzzRetirementGarage]

With both of our SS incomes were only over by a few hundred per month and we're getting better at lowering costs. But, not everyone gets our combined amount and some single recipients can't live on SS alone. Of course we all know that we're not supposed to rely on SS and we need savings too. Thank you for watching and commenting. Buzz

[@chrisbeall9098]

Interesting, thank you for the time it takes. Overseas for the sake of "gee wiz" on more common items... Cell: 18 euro for 2 full coverages. Sky (similar to Dish network) 34 euro. Home internet thus access to the spectrum of all things TV: 34 euro. Car insurances for 3 cars, akin to liability, 80 euro a month (for all 3). Gas and diesel fuel for the cars is 8 euro per gallon equivalent. Can't totalize it as it is dependent on where we go. No property taxes. No water as we're on a well. We do pay a disposal fee and trash of prolly 25 euro a month. It gets interesting with house utilities as they swing wildly. An average of 350 euro per month over a year. Heating via gas is high during the cold months, we stay warm.Level billing is not a thing here. For math inclined, a euro is $1.26 per at todays rate. Food is such a variable and we don't track it usually. Living in Europe is "cheaper" than many think.

[@BuzzRetirementGarage]

That doesn't sound bad at all! Most of the utilities are fair in price. Thank you for posting this! Nice to see what other countries pay in comparison. Buzz

[@jimhoge3252]

Thanks for sharing Buzz. Get yourself a pair of clippers! I haven’t seen a barber for 15 years! What’s that add up to? I had too many cats for a few years too - I can’t say anything about that!

[@BuzzRetirementGarage]

I may end up shaving it all off. With a summer tan I'll look like Mr. Clean. Most of the cats are over 10 years old so I'll be digging holes soon. Buzz

[@damncars2618]

Very detailed presentation. Not sure why you think you only have 10 years left. My parents are alive in their 90s. I'm planning on living to 100 and my costs doubling every 10 to 20 years. Medical especially goes up.

[@BuzzRetirementGarage]

Cancer 10 years ago. The chemo and radiation really takes a toll on the body. Plus, no male in my family lived past 76. Now, most of them smoked, which I don't do, but 74 is a realistic number. If I go past that, great! Buzz

[@damncars2618]

@@BuzzRetirementGarage I think the biggest problem with budget and getting older is outliving your money. My parents quit smoking in their 40s. But Mom had cancer twice and Dad had a triple bypass and a knee replacement. As I said they're in their 90s now. All their friends are younger and some died from lack of money. Nobody can predict when you'll be done, but I certainly want to give God the option to let me live to be 100 😂.

[@EamonnHogan-eu3qc]

The $450 promotion will get you a 1099 at the end of the year, so you need to back out for state and fed taxes, so it's less than $450 net

[@BuzzRetirementGarage]

I've never been in a SS only tax situation. (Plus KZbin earnings) Maybe it won't hit hard. Thank you for your comment! Buzz

[@stevebrinkert3649]

Good stuff. Plan the work, work the plan. I've been with Flagstar Bank for years. Not sure what's going on, but I moved my accounts to a local credit union. Happy Easter 🐰 Thanks.

[@BuzzRetirementGarage]

Thank you for watching. Happy Easter to you as well! Buzz

[@stevegorkowski3246]

Your food looks high and why I say that is I spend $35 a week for food for one person. That is $280 a month for two people. I am thinking gluten free foods are big dollar items for you. You can save money but I don't know what the issues are. I eat organic for most of my foods. I eat shrimp, salmon, wild rice, nuts and other high priced foods. I am still very low on monthly food bills. You are making great progress but I can see you work food down to $500 a month or lower. Great progress!

[@BuzzRetirementGarage]

I just started my spreadsheet of items with prices. We are doing more cooking now too but we know we have a ways to go. I'm better at finding sales too. This is actually fun for me because it's keeping me engaged and involved. Another nice hobby! Thank you for watching and commenting! Buzz

[@noreenn6976]

​Cook at home with fresh food, skip processed GF foods, bill will go way down

[@stevegorkowski3246]

@@BuzzRetirementGarage Hope is the queen of saving money on food preparation. They are also super savers and take from the videos what works for you. www.youtube.com/@UndertheMedian Food waste is the big thing about saving money! You are doing the hard part that is adjusting lifestyle.

[@jeffb.2469]

First, good job on the disclaimer sign, and the new whiteboard is a big improvement. I think you are pretty detailed with that monthly expenses chart. Much better compared to what I track right now. Not to throw rocks, but, I wouldn't say your lottery ticket purchases were "investments". Congrats on the big win though. I guess your still not making enough KZbin cash to include on your whiteboard. I'm doing my part by watching, doing the thumb thing and commenting. Have a great Easter and enjoy this time with your daughter!

[@BuzzRetirementGarage]

You're right. Certainly not an investment. Some day I'll do a video on why I play the lottery. Yes, there's a story behind it! You have a good Easter as well. Thank you for your continued support! Buzz

[@All7Continents]

Enjoy your videos. Please check about your electric rate risk. If there was a major emergency can your electricity increase unexpectedly? We have seen some people get hit with a huge bill during a storm. Please consider the risk that might go with the savings.

[@BuzzRetirementGarage]

It's never happened in 40 years of paying bills. Nowadays you never know but here in Ohio I think we're pretty safe. Buzz

[@jackieh1206]

I think it is an interesting thing to do for a year to see how you do.

[@BuzzRetirementGarage]

Let's see how it goes. It really intrigues me and I wish I started this a few years before retirement. I could have saved a lot more money. Thanks for watching! Buzz

[@oleradiodudea.m.4735]

I retired 4 1/2 years ago. We took a Medicare Advantage Plan. Our MAP plans covers even Mayo Clinic. Great drug coverage. $750. per year / per person for food. $150 cash per year for over the counter drugs. Co pays for specialists visit. Was diagnosed with Afib one year ago. So far the plan has paid great. Monthly premium is zero.

[@BuzzRetirementGarage]

Glad it's working for you. For the majority, I think it works well. There were a few drawbacks that I wasn't crazy about. Thank you for your comment! Buzz

[@Justin_Time_Delivery]

Some of these expenses could be cut by just being thrifty. My grandparents used coupons and got tons of stuff for free including paper products. Estate or yard sales could yield cheaper pet stuff and misc. items.

[@BuzzRetirementGarage]

I'm trying my friend! I think I get better at it every month. It's a fun challenge for me in retirement to find ways to become the next Scrooge TV show. Lol Buzz

[@danhart2208]

Hey Buzz! Great channel and fun seeing budgeting every month. Your doing great job sharing with You Tube audience. NOTE: Lottery is not investing its entertainment! 😝

[@BuzzRetirementGarage]

Thank you for watching and commenting! It's not an investment? Now you tell me.... Lololol Buzz

[@dforrest4503]

I was caught off guard when my gas rate rose (automatically renewed) without my noticing (in Ohio). Apparently it was renewed in December, but I swear I didn’t see the notice in the mail. Definitely wasted some money there, but got it corrected this past week by canceling and going to the gas company’s standard offer.

[@BuzzRetirementGarage]

If you have NOPEC, that could be an option too. Not the cheapest but not terrible. Buzz

[@judybee6698]

Water bill, nice. Mine is $45 if I don't use any water! Electric we now get charged more during 'peak" hours.

[@BuzzRetirementGarage]

I only shower once a month so that helps. Lololol. Just kidding. I know once I get the garden in the bill will jump to the next tier. I do have a rain barrel but it only helps a little. Thank you for watching and commenting! Buzz

[@ddellwo]

My property taxes are similar to yours but I’d sure like to have your house insurance bill! If I could get by for $50 a month I might retire right now……..😂

[@BuzzRetirementGarage]

Shop around? Maybe you can get a better deal? Location always matters. Buzz

[@ddellwo]

@@BuzzRetirementGarage - Yeah, I’m in Houston, TX - hurricane area……..😕

[@BuzzRetirementGarage]

@@ddellwo My Aunt lives in Houston. She gets flooded all the time it seems.

[@ddellwo]

@@BuzzRetirementGarage - Fortunately for me, the highest point in Harris County is about 1/4-mile from my house! If we flood, 90% of Houston is already under water……..🌊

[@BuzzRetirementGarage]

@@ddellwo My cousin is a Harris County sheriff or something. If you get pulled over by a guy named Jeff let me know. Lol

[@52CA]

I don’t understand why people say you can’t live on Social Security. at age 67 my SS payment together with the spousal will be more money than we’ve ever had to live on before considering how much we’ve saved most of our lives.

[@BuzzRetirementGarage]

Maybe because if you're single, it's a whole lot tougher. Two checks are definitely better. If we didn't have my wife's check, I'd still be working for sure. Buzz

[@jjred233]

Awesome video. That's a well plan budget. The budget is not very tight, so I am interested in what you can cut in the future. I would never purchase whole or universal insurance. The math doesn't work on out on either insurance product.

[@BuzzRetirementGarage]

I'm a work in progress. I have started to enjoy looking at all the ways to save. Buzz

[@judiashley5818]

Great job seeing how the first Q24 went and reducing expenses like the newspaper every bit helps to not tap into savings.

[@BuzzRetirementGarage]

Thank you. The trick will be trying to time the market (which is very difficult) to put gains in something less violitale. Another October drop or sooner? Hmmmmmm. Buzz

[@tombolin7168]

@@BuzzRetirementGarage Buzz , don’t try and time the market . Make the move when it’s good for you and accept making the move irregardless of any “future” loss of gains. P.s. pets are a big expense!

[@BuzzRetirementGarage]

@@tombolin7168 Good thing the pets are getting old. Did I say that out loud? Lol

[@Bum_Hip]

Location,location, location. Sounds very affordable to live in Ohio. I live in Las Vegas, and may have to give a colder climate some thought when I retire. Enjoying your videos, good luck in your retirement. Hopping you have a long healthy one!

[@BuzzRetirementGarage]

Ohio is a nice state to retire to. But, dealing with cold and snow can be tough as we age. We all can't move to Florida right? Buzz

[@Bum_Hip]

@@BuzzRetirementGarage good point about the cold. Florida might not be for me. Nice to visit, but wouldn’t want to live there, as the saying goes. Maybe The Carolina’s. 🤔

[@kennyhart2699]

I just got the T-Mobile internet for $30 a month 2 weeks ago. Works verry well. I have magenta military max

[@BuzzRetirementGarage]

Did you run a speed test on it? I'd be curious to see what your upload/download speeds are. Buzz

[@CentralPlainsEnt]

It's hard to believe that your homeowners insurance is that cheap mine is outrageous because of repeated hail storms. However I am a few states west of Ohio. Good luck with the retirement.

[@BuzzRetirementGarage]

And to think I was complaining to myself because it ticked up a bit last year. I now feel lucky! Thank you for watching. Buzz

[@angelawatkins2637]

Wow, your vehicle gas is low! Your phone bill is low! I work but my husband is retired. Those supplemental policies go up every year. This year was particularly bad with increases of course. We waste a lot of money on eating out Friday thru Sunday but it's our biggest entertainment! My dog is a huge expense. I like seeing what your list and comparing it to mine. Thanks!

[@BuzzRetirementGarage]

All the stores and things we need are 1 mile away which helps keep gas costs low. I think I can do better on the phone cost too with Mint Mobile. I was thinking about getting another dog but I'll wait until some of these cats pass. Most are over 10 years old. Thank you for watching and commenting! Buzz

[@Amy00018]

Great video, funny! You’re doing a good job keeping on track with your budget. I called AT&T and told them about our financial situation with getting laid off and the kind lady went through all the line items, many that I didn’t even know what they meant. My bill is for 3 cell phones. The rep cut my phone bill from $190/mo to $136/mo and no change happened to my service! So look out for unnecessary fees/charges.

[@BuzzRetirementGarage]

Good point on the cell phones. I need to do a better job with checking for discounts. In Ohio they give you a Golden Buckeye card for discounts. Do you think I ask anyone if they can give me a discount by using it? Heck no. Lol. Buzz

[@Amy00018]

Buzz, I’d break out that Buckeye card everywhere it was accepted! No shame in saving money :D

[@BuzzRetirementGarage]

@@Amy00018 I have to remember to do it.

[@Peety56]

Use black and blue ink easier to read for people that have a problem seeing colors

[@BuzzRetirementGarage]

@@Peety56 ok. I'll do that next month. Thanks! Buzz

[@stansorochman2701]

I use youtube tv too. At least I can see the numbers on the board this time. Take car Buzz

[@BuzzRetirementGarage]

I try to get the camera a little closer next month. Thanks for watching! Buzz

[@CormacNJ]

Enjoyed the video. Two comments. Why have you not included your KZbin income monthly? I subscribed and liked because I enjoy the down home logic and wanted to help out. Secondly, do you donate to any charities? I donate to the local food bank to help those who are less fortunite in my area. I also donate to the three local PBS stations, again because I think it helps people in my area who can't assist but depend on the programming. Okay, an OBTW. Use cash back credit cards to pay for your purchases. Jan-March I've gotten back $410. Just a thought. Have a wonderful Easter. Hopefully with family. Retired Jarhead out. (PS "N" is November, not Nancy) Military phonetic alphabet.

[@BuzzRetirementGarage]

Thank you for watching and commenting! I don't include any KZbin income or interest from savings etc. because I don't want to complicate the data. Keep it simple. SS income in, expenses out. Period. The other income is just icing. I keep forgetting to mention charity. We write checks in November. You'll see it on Novembers update. I do use a Costco cash back credit card. $410 for three months is excellent. My ex Air Force brother will probably admonish me for Nancy too. Lol. Have a good Easter Sunday. Buzz

[@josephboyce3344]

Me and my wife retired on social security only and were doing great!!!

[@BuzzRetirementGarage]

Excellent! Thank you for commenting! Buzz

[@teams3345]

We have $5,200 in SS per month. Our new house and new cars are paid off. We travel once or twice a year. Maybe once to the Caribbean and another to Europe. This year the Panama Canal (pending the drought situation). We try not to touch our 401Ks or IRAs. We don’t want to leave a legacy so we will need to start using that money soon. We are 72 and 63. No bird seed or pet food required. I hope your BUZZ hat is for Georgia Tech.

[@BuzzRetirementGarage]

Thank you for your comment! Sounds like you're doing very well in retirement! If you ever need a beneficiary, I'll volunteer. Lol. Yes, I found the Georgia Tech hat in the Atlanta airport I believe. I've had it a long time. Buzz

[@anubianakira9442]

BUZZ for Department 🏬 of Treasury 2024

[@BuzzRetirementGarage]

Nah, I'd screw it up somehow. Lololol Buzz

[@anubianakira9442]

@@BuzzRetirementGarage BUZZ. Carry that 1 or was that a decimal. Lol 😂😂