Tag: retirement travel
Things We Wished We Knew Before Retirement
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
Well it's great to be with you all again it's
another video day for us – It is – So things that we wish we knew before we retired almost
sounds like a country music song there Tina – And I guess you must be feeling lucky
today Norm – Oh yeah got my lucky shirt on so because we're filming been to
Costco – Got the great deals haven't we – We have so one of the things that we wish we knew
before we retired was how free it is how stress free no longer having to get up and go through the
morning ritual of preparing yourself to go to work and being accountable to somebody else all
day long it's wonderful to be accountable to your own self and your partner that's it
you're your own person and it's such a freeing feeling and we saw that with Tina when she gave
up work the amount of stress we hadn't realized until a few years after retirement just how
different she was she'd lost all that stress of meeting quotas and all that good stuff – And I think
I'll just add Norm that when you're actually doing the job you actually don't think it is stressful
you don't think you are under all this stress until you stop it do something else and
you think wow this is a lot better we like this it's great so just being accountable to ourselves
we love it don't we – It is totally life changing – One thing that we do think is very important
before you retire is you do need to have a discussion with your partner as to what it is
that the ideas that you're both thinking you have when you're going to retire you do need to
have some goals about, do you want to travel do you want to garden or do hobbies do you want
to stay home you really do need to have that conversation to make sure you're both on the
same page – I think it is it is important and we hear a lot from some comments especially
married women who are saying that their husband their frightened the husband will get under their feet
because he'll be hanging around all the time in retirement but that really isn't the case – Not
for us is it – We've been secure as a couple for the longest time and retirement hasn't changed
how we feel about each other and about what our expectations of each other is it's not as if
we've all of a sudden being locked up together in retirement (no) so it is important to figure out
what you both want out of retirement and to have that discussion a few years before you actually
do retire (yeah) one thing to bear in mind is the first few years of your retirement you'll
be your most healthy so just use that health and strength that you do have in the early years
to achieve some of the goals that you want – Yeah and if you want to be traveling do it while
you've got that – Don't think about traveling if that's on your list just do it right away – Yeah
absolutely and that's what we've done isn't it when we retired we just traveled everywhere
didn't we it was great – About two years before we retired we had an inspector come to the house
for I don't even remember what it was but it was some form of home inspection that we had to and
so we got chatting with him because he was a few years older than us but not that much and he told
us that he had a house very similar to ours that he had sold and now he was living an apartment
and he went through the whole process of them and how they moved to the apartment and how
it was such an improvement on their life and it was something we'd never ever considered
– This was big news to us wasn't it we never even thought about renting an apartment – We had been
homeowners since we were 19 years old so to rent we had that preconceived idea that it was throwing
money away but the more that we looked into it so after he left the next couple of days we spent
many hours thinking about this we did a budget of how much it cost to keep our mortgage free
home – Yeah crunched all the numbers – And what the rent would be and if we had sold the house and it
made more and more sense to us to sell the house to downsize into an apartment bank the money
from the house live off that as an investment and that's what we did – And that's what we did didn't
we – But had that guy not come to our house we might never have come up with that idea – No because
originally we had thought that we would just buy a smaller house didn't we – That's right yeah
– So part of our decision when we had actually now decided that we were going to rent and we realized
that would take care of we wouldn't have all this maintenance and stuff like that to do we decided
after we started looking at apartments that if we moved to a cheaper area could we benefit by
getting the same as what we wanted in an apartment but would it cost us less money so the more
we looked into it we did have a family member who lived in a cheaper place so we looked
at the equivalent of renting an apartment in this new place and it was so much cheaper
wasn't it Norm – Because we initially thought we would just sell our house and stay in
the same area so we started shopping for apartments to find out how much they cost and the
availability and we were pretty surprised that at the expense of them but we were prepared
to pay that (yeah) and then we came to a what you would call it a small town that's cheaper
(yeah) we came to visit a family member here and so we started looking around at the apartments here
and they were substantially cheaper about $800 a month cheaper than where we were initially going
to – Yeah and not only that Norm there was a lot of extras with it wasn't that we got there was
underground parking and what else a swimming pool – And laundry facilities in the apartment – And that
was one thing the gentleman had told us he didn't have on-suite laundry he had it in a laundry room
so we wanted that – But coming to the cheaper town it wasn't just the rents that were
cheaper everything was cheaper the Tina's hairdresser as we've
said in the past was cheaper it just permeated everything so our budget became
so attainable (yeah) by moving – That gave us a lot more money to be able to travel didn't it because
we thought if we can save money on a daily basis and it worked perfect didn't it – It did it was
great, take a look at that if you do have family that live in an area that might be cheaper or
just consider going not knowing anybody – No it's like a new adventure isn't it a new chapter in
your life because we've made friends here and they don't have any family just here but they've
made it a new place for them haven't they – A lot of people have moved out of the big cities to a
small town because it's it's far more conducive to retirement (yes) and friendlier another
thing that you really need to consider is where your friends are going to come from
in retirement because once you leave work those friendships tend to wither away because
the only common bond you have was your job your workplace so we've never
really had lasting friendships from work colleagues they've always been outside
of there so it's it's critically important to continue looking for friendships in retirement
and being outgoing and prepared to speak to people Tina when we moved to this apartment building
they did have a social room and they did a coffee morning and so she would go down there and we
found out so much information about the town and businesses to use – It was great wasn't it – It was – It
was kind of my mission wasn't it to find out new information and to try and make new friends
which we did and we made some fabulous friendships – Well in particular there was one couple that Tina
made struck up a friendship with and they in turn have introduced us to another couple yeah and then
they in turn have introduced us to another couple so that's how it goes – Yeah so now we've got
a group of really close nice friends that we socialize with don't we – And the thing that we have
in common isn't an employer it's being retired – It is isn't it – It really is so don't be afraid
of striking out to a new city a new town because it's relatively easy to make friendships
– Yeah you just have to push yourself out there a little don't you and be confident to going to
things and it's very exciting isn't it so we hope that everybody is staying safe – And keeping
well – Until the next time bye bye, bye bye
Retirement Struggles: 2 Things I Struggled With When I Retired
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
what's going on everyone welcome back to the show
so as you guys can see now I'm on the road and I am on my way to Las Vegas there's a convention
the National Association of broadcasters convention and so I'm gonna go to that see what's
going on when it comes to the new technology comes the cameras and audio equipment things like that
but I wanted to talk a little bit about retirement and I just want to add on to the video that
I posted a couple of days ago and if you guys can do me a favor like I've I've stated in
previous videos actually I stated only in one video the last video that I posted about
please support the retirement content because YouTube is not promoting this out the same
way that it would promote some of my other videos so like if I post a video on a social
security update usually YouTube will promote that but when I talk about retirement for
whatever reason YouTube does not promote that now you guys can do me a favor by just hitting
the like button subscribing to the channel hitting the little bell notification all that
good stuff that helps with the algorithm but by also sharing this content with your family and
friends and that helps with the algorithm as well so I'm almost I'm actually almost to Vegas I've
been driving for the last two and a half hours and I just thought about something I wanted to talk
a little bit about when it comes to retirement so as you guys know if you don't know
I retired about it's been a year in a year and six months no not
a year a year and four months and one thing that I did not anticipate and this
is I talked about some of the things in a previous video and I'll post a link to that video so you
can check it out but one of the things that I didn't expect and this is more of a negative when
it comes to retiring is that a lot of the people that you work with so your friends at work and I
consider friends at work and your friends that you grew up with they're kind of in different banks
right they're not the same because your friends you grew up with I have friends that I grew up
with and they've been my friends for for years and years but when you start working somewhere
of course you're going to develop friendships but it's kind of a situation where I don't
want to say it's a forced relationship but you do have to spend a lot of time with
those people anyway and sometimes that develops into a relationship where you might go out
to lunch together and you might even spend time outside of work with them and so one of
the things that I didn't anticipate is those people that you do have relationships with at
work and you go to lunch and things like that some of those people will not be around when you
retire so they might continue working and you retire and you don't hear from them anymore and so
that's one of the things that I didn't anticipate I was thinking you know what some of these friends
we've had a friendship for years let's say five ten years and it was okay when we were working
together because we saw each other a lot and we spent time and talked about different things
and all that but when you retire it's different now you're not a part of of the company anymore
you're not a part of the the the the the workforce um and so you don't see that person very often and
you might not have even talked to them that much on the phone or text with them that much when
you were working because you saw them all the time but now that you're retired it's totally
different because now you don't text them and you really don't hear from them so that was
a big thing that I had to kind of adjust to and there are some people that I still talk with
there are some people that I work with that I still talk to on a regular basis that I go out
to lunch with even now that I'm retired I still got to go out to lunch with them and spend time
with them but some of those people I was already doing that before I mean that it was already it
was already established like I met them at work but we already had a friendship outside of work
and so that friendship was able to continue where is there some other people that I had
relationships with didn't really spend too much time outside of work with them and those
are the people that you you really don't hear from maybe I'll hear from them once in a blue moon
if someone got fired and they wanted to share this information with me for whatever reason that that
kind of stuff where something happened that was drastic at work where they want to share that with
you and so I think it's just something that you should think about when you retire who's still
going to be around as your friends and who is not going to talk to you anymore or pretty
much they're going about their business and you're not a part of their life anymore and like I
stated I've had I have friends that I grew up with and they're still my friends today and I spend
time with them so this is not anything for me it's not a big deal but it's just an observation
it's something that I didn't really anticipate I was thinking that some of the people that I
spent a lot of time with at work I probably still be in touch with them after I stop working
there but it is it it's not that's not the case and so I just wanted to mention them now there
are some other things when it comes to retirement that are were Shockers to me things that aren't
really you know positive and I wanted I talked about in the previous video I talked about all
the the positives of retirement and they're the positives far outweigh the negatives when it
comes to retiring and so I just wanted to mention this and I'm really when it comes down to it
if you are in a situation where you have the opportunity to retire especially if you have
the opportunity to retire when you're younger and you can afford to do that I highly highly
recommend taking taking that that uh that leap because there are so many things that you can
benefit from if you retire and what some people do is they will especially if you work
where you're receiving a pension what a lot of people will do is they'll go ahead
and retire and start pulling that tension in and then go somewhere else and get another
job in in the law enforcement community this is very common you see this a lot because
you're working in law enforcement you're working for the government you're usually going to receive
a pension and they will take that pension and then go and they can do the same job go to another
agency that has a different Retirement System and then they can collect their pension
after they've retired from the the first uh the first law enforcement job and then go
to another law enforcement job and double dip and so that's very very common and not you know
I'm not talking about just police officers and things like that I'm talking about people
who work for a government in general so it doesn't even have to be just law enforcement most
government jobs they have pension plans set up and so they will do that exact same thing
they'll leave they'll go somewhere else and they'll they'll be able to collect a pension
as well as work another job and and double dip and so that's another option but I I highly
recommend as soon as you can if you can retire do it there are a lot of people out there that
are struggling at work and they might not ever be able to retire and that's really sad and
there's some people that are doing fine at work and they can retire but they don't know
what they're going to do when they retire and so they just continue to work and just my
opinion that's the wrong the wrong way to do things not everybody I mean some people they
love their job and that's why they stay there and they they don't know what they would do
without their job and I completely understand that one of the other negatives when it comes to
retiring is now you're no longer on a schedule whereas when I was working I had a schedule
got up at a certain time in the morning Monday through Friday eight at a certain time
in the morning got to work ate lunch at a certain time everything was was structured
whereas when you retire that structure is gone and that's one thing that I had to to learn really
fast was I need to have a structure so if that means me creating my own structure or something
working a part-time job or doing something I need to have that structure because if not then I end
up not doing anything for days on end where it's like okay I I plan to do something and then I
just keep putting it off because I don't have that structure and so that's something that's
really important and something that I've learned just in this year and a half that I've been
been retired I've learned the importance of I need to be on a on a schedule and I need to
stick to that schedule so I can get things done and so I just wanted to share that with you
guys and those are the two main things there when it comes to retirement that I've noticed
just in this last a little over a year the fact that some of your friends at work you're
probably not going to hear from when you retire and the schedule aspect you need to be on the
schedule and I say that I shouldn't say you need I need to be on a schedule in order to get
things done when I retire because that's just the way way I am and I've been working for the vast
majority of my adult life on a schedule and so it's hard to be off the schedule when you retire
and so I just wanted to share that now I want you guys in the comments below if you guys can do
me a favor let me know some of the the struggles that you found in retirement so let me know that
in the comments below and if you like this video please give me a thumbs up please subscribe for
more next time you guys see me I'm going to be in Las Vegas and I will continue to post videos
every day so that's not going to change but I just wanted to give you guys a quick update and
yes I'm on my way to Vegas next time you see me it'll probably be me shooting a video out of the
hotel so it'll be a little different environment and I might even show you some some stuff from
the the actual uh the conference that I'm going to so that's all I have like the video
subscribe for more please share like I said please share this video with others and
I will talk to you guys in the next one goodbye
How to Plan for Early Retirement: Exclusive Retirement Calculator
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
When someone says the word Retirement, what comes to your mind? Is it the age at which you would probably retire or is it the bank balance that you would have or the abundant time you will have to do whatever you like doing. I think it's a combination of all three. Because all these three require lots and lots of money. Yes, in today’s video we will talk about how you can retire successfully and can generate enough corpus that your lifestyle does not get affected at all. Hi, I'm Samarth, for the past 11 years, I have been working in the finance industry and I'm currently the investments lead at wint wealth. Retirement, it should essentially mean financial freedom. In today’s example we will assume that you started your job or career at 22 or 23 years of age. And as of today, your age is 30 years. For the next 20 years, we are assuming that you'll continue your active line of work, essentially meaning that you will retire by the age of 50. Wait, wait, wait! I know you might be wondering that this video was for early retirement.
See the idea is to let you know that what should be the method for retirement calculation. If you are a little aggressive on that, you might retire by 40 itself or by 45. It all depends on your consistency and your persistence. For the time being , we have calculated this on a very conservative way and hence 50 has been considered as the retirement age. So now we'll be focusing on the example and for this we will be looking at the excel sheet. By the way, this Excel sheet that you can see on the screen can be downloaded using the link in the description and also help us know in the comments if you found this Excel sheet to be useful.
Infact, you can also download sheet right now and use it live while watching the video. You can change the numbers and see if it is suiting you and how it can help you to achieve your retirement. We have assumed that your current age is 30 years. And you started your work life or your career or your job around 22 or 23 years of age. You want to retire at the age of 50 years, your life expectancy is around 80 years. Now because you have already worked for around 7-7.5 years, we are assuming that you have saved roughly two to two and a half lakh per year, so your total savings as on date would be 16 Lakh Rupees. How is this split? Majority portion of investment is done in mutual funds. I too personally, when I started my career, so majority savings (up to 80-90%) I used to do in mutual funds. And I used to split them into growth mutual funds and a small part into dividend mutual funds.
After that since you are doing a job, you will contribute towards EPF. So we have assumed that this is around three lakh rupees. For emergency fund, you have kept some money into FD or bank balance, which is around two lakh rupees, and then remaining money, you have explored another debt option that is public provident fund and under this you have invested two lakh rupees. Basis our assumption and calculation, on this entire corpus of 16 Lakh Rupees up to the age of retirement, that is for the next 20 years, you will generate 10% returns.
So this 16 Lakh Rupees will get converted to 1.15 Crore Rupees. Yes, You heard it right. Believe me, if you do the savings consistently and in a discipline way, your Corpus becomes massive slowly. By the time I had completed five years in my job, I had enough money to pay for my car all in cash. But does that mean that mean, I did so? No. By the way, if you want to know if it makes sense for you to buy a car or use services like Ola and Uber, please watch this video. Now we are assuming that your monthly take home salary is one lakh rupees. And out of this 60,000, that is 60% of your take home salary is spent by you. After that how much would be your savings? 40,000 Rupees. Now if you keep saving this monthly, consistently in a discipline way, then you can easily generate the amount of corpus such that during your retirement life, you can manage your lifestyle very easily and won’t be financially dependent on anyone.
Next assumption which we have taken is that on your salary you will get an increment of around 8%. I know you might be feeling that the 8% figure is too high but you must also consider that although there might be years when you get only 5% or 7%. I really wish you never get so low increments, but there will be years when you will switch your job or get promotion, when your increment might be 20%, 25%. During your pre retirement age, that is up to the age of 50 years we have assumed that years care, return 10% on the amount which you're investing and on the corpus, which you already have save.
Then after retirement this figure drops to 7%. I know you must be thinking this is low, but considering that after retirement your priority will be to save capital and also beat inflation to maintain your lifestyle 7% is a very healthy number. One very important assumption that we have taken is that after retirement there will be a lot of expenses that you won't be incurring. For example, your petrol and traveling expense will reduce substantially. Then it is also true that services like internet where you require a speed of 1 GB currently, will come down to 100 or 200 MBPS then. So that will reduce your expenses. And there are many other such expenses. Okay. So we have assumed that there will be reduction of around 20% to your expenses post retirement.
All these expenses have been adjusted against inflation at the rate of 6%. There are many such expenses which are incurred once or twice in our lifetime. One of them being expenses for sending your child for higher education. If on today’s date, you send your child for higher education so may be you will spend around 30-32 Lakh Rupees, to send the child at a very good institution. This we have assumed that when you will be 52 years old, this expense will occur and at that time, considering the inflation of 6%, this will be around 96 lakh rupees. Now that you have sent your child for higher education, then after he gets settled, probably he or she will get married.
Right? We have assumed that if today you got for their marriage then you will end up spending around 25 Lakh Rupees. According to your assumptions, this event will occur when you will be 60 years old. At that point of time, you will be spending around 80 Lakh Rupees. So this also has been built in, in this model. Last but not the least and definitely one of the most important is: medical expenses. As and when you age increases, simultaneously your medical needs will also probably increase. I really wish, this doesn’t happen but it is quite possible. So on a conservative basis, we have assumed that by the time you turn 65, you might end up needing a medical expense budget of around 50 lakh rupees. Right? Which up till then will be around 1.6 Crores, right. 35 years from now, it would be around 1.60 crores. So assuming all of this if you see all this calculation, then you will find that you would probably end up needing around 8.25 Crore Rupees as your Corpus so that you can retire comfortably.
If you are able to generate this corpus by investing around 40% of your salary basis the following assumptions, month to month, year on year in instruments, which help you generate good returns like mutual funds and corporate bonds for the early starters, and then slowly and slowly moving towards more of conservative investments, where you can easily generate 9.5-9.7%, then you'll be able to achieve this corpus and basis this calculation, that you can see in the third sheet post retirement, you will see that even after you turn 80 years of age around around one crude Rupe, you will still be left with. So if you save in a disciplined way, start investments, then you can easily achieve your retirement. Under this sheet, you can also put your other additional expenses basis your age.
If you will see we have provided Additional 1 to Additional 8 blank spaces, as when you enter there it'll automatically get calculated and you will keep getting the results. The larger your retirement corpus, easier will be your retirement life, the more you will be able to afford to give to your family and enjoy the moments with them. This is why Savings are important. This is why retirement planning is important. And if you're worried to know how you can make your portfolio stronger and better in this video, we have discussed few revenue streams, which will help you generate passive income along with maintaining the safety of your portfolio until you meet next time. Happy Winting!
.
Things We Wished We Knew Before Retirement
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
Well it's great to be with you all again it's
another video day for us – It is – So things that we wish we knew before we retired almost
sounds like a country music song there Tina – And I guess you must be feeling lucky
today Norm – Oh yeah got my lucky shirt on so because we're filming been to
Costco – Got the great deals haven't we – We have so one of the things that we wish we knew
before we retired was how free it is how stress free no longer having to get up and go through the
morning ritual of preparing yourself to go to work and being accountable to somebody else all
day long it's wonderful to be accountable to your own self and your partner that's it
you're your own person and it's such a freeing feeling and we saw that with Tina when she gave
up work the amount of stress we hadn't realized until a few years after retirement just how
different she was she'd lost all that stress of meeting quotas and all that good stuff – And I think
I'll just add Norm that when you're actually doing the job you actually don't think it is stressful
you don't think you are under all this stress until you stop it do something else and
you think wow this is a lot better we like this it's great so just being accountable to ourselves
we love it don't we – It is totally life changing – One thing that we do think is very important
before you retire is you do need to have a discussion with your partner as to what it is
that the ideas that you're both thinking you have when you're going to retire you do need to
have some goals about, do you want to travel do you want to garden or do hobbies do you want
to stay home you really do need to have that conversation to make sure you're both on the
same page – I think it is it is important and we hear a lot from some comments especially
married women who are saying that their husband their frightened the husband will get under their feet
because he'll be hanging around all the time in retirement but that really isn't the case – Not
for us is it – We've been secure as a couple for the longest time and retirement hasn't changed
how we feel about each other and about what our expectations of each other is it's not as if
we've all of a sudden being locked up together in retirement (no) so it is important to figure out
what you both want out of retirement and to have that discussion a few years before you actually
do retire (yeah) one thing to bear in mind is the first few years of your retirement you'll
be your most healthy so just use that health and strength that you do have in the early years
to achieve some of the goals that you want – Yeah and if you want to be traveling do it while
you've got that – Don't think about traveling if that's on your list just do it right away – Yeah
absolutely and that's what we've done isn't it when we retired we just traveled everywhere
didn't we it was great – About two years before we retired we had an inspector come to the house
for I don't even remember what it was but it was some form of home inspection that we had to and
so we got chatting with him because he was a few years older than us but not that much and he told
us that he had a house very similar to ours that he had sold and now he was living an apartment
and he went through the whole process of them and how they moved to the apartment and how
it was such an improvement on their life and it was something we'd never ever considered
– This was big news to us wasn't it we never even thought about renting an apartment – We had been
homeowners since we were 19 years old so to rent we had that preconceived idea that it was throwing
money away but the more that we looked into it so after he left the next couple of days we spent
many hours thinking about this we did a budget of how much it cost to keep our mortgage free
home – Yeah crunched all the numbers – And what the rent would be and if we had sold the house and it
made more and more sense to us to sell the house to downsize into an apartment bank the money
from the house live off that as an investment and that's what we did – And that's what we did didn't
we – But had that guy not come to our house we might never have come up with that idea – No because
originally we had thought that we would just buy a smaller house didn't we – That's right yeah
– So part of our decision when we had actually now decided that we were going to rent and we realized
that would take care of we wouldn't have all this maintenance and stuff like that to do we decided
after we started looking at apartments that if we moved to a cheaper area could we benefit by
getting the same as what we wanted in an apartment but would it cost us less money so the more
we looked into it we did have a family member who lived in a cheaper place so we looked
at the equivalent of renting an apartment in this new place and it was so much cheaper
wasn't it Norm – Because we initially thought we would just sell our house and stay in
the same area so we started shopping for apartments to find out how much they cost and the
availability and we were pretty surprised that at the expense of them but we were prepared
to pay that (yeah) and then we came to a what you would call it a small town that's cheaper
(yeah) we came to visit a family member here and so we started looking around at the apartments here
and they were substantially cheaper about $800 a month cheaper than where we were initially going
to – Yeah and not only that Norm there was a lot of extras with it wasn't that we got there was
underground parking and what else a swimming pool – And laundry facilities in the apartment – And that
was one thing the gentleman had told us he didn't have on-suite laundry he had it in a laundry room
so we wanted that – But coming to the cheaper town it wasn't just the rents that were
cheaper everything was cheaper the Tina's hairdresser as we've
said in the past was cheaper it just permeated everything so our budget became
so attainable (yeah) by moving – That gave us a lot more money to be able to travel didn't it because
we thought if we can save money on a daily basis and it worked perfect didn't it – It did it was
great, take a look at that if you do have family that live in an area that might be cheaper or
just consider going not knowing anybody – No it's like a new adventure isn't it a new chapter in
your life because we've made friends here and they don't have any family just here but they've
made it a new place for them haven't they – A lot of people have moved out of the big cities to a
small town because it's it's far more conducive to retirement (yes) and friendlier another
thing that you really need to consider is where your friends are going to come from
in retirement because once you leave work those friendships tend to wither away because
the only common bond you have was your job your workplace so we've never
really had lasting friendships from work colleagues they've always been outside
of there so it's it's critically important to continue looking for friendships in retirement
and being outgoing and prepared to speak to people Tina when we moved to this apartment building
they did have a social room and they did a coffee morning and so she would go down there and we
found out so much information about the town and businesses to use – It was great wasn't it – It was – It
was kind of my mission wasn't it to find out new information and to try and make new friends
which we did and we made some fabulous friendships – Well in particular there was one couple that Tina
made struck up a friendship with and they in turn have introduced us to another couple yeah and then
they in turn have introduced us to another couple so that's how it goes – Yeah so now we've got
a group of really close nice friends that we socialize with don't we – And the thing that we have
in common isn't an employer it's being retired – It is isn't it – It really is so don't be afraid
of striking out to a new city a new town because it's relatively easy to make friendships
– Yeah you just have to push yourself out there a little don't you and be confident to going to
things and it's very exciting isn't it so we hope that everybody is staying safe – And keeping
well – Until the next time bye bye, bye bye
Things We Wished We Knew Before Retirement
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
Well it's great to be with you all again it's
another video day for us – It is – So things that we wish we knew before we retired almost
sounds like a country music song there Tina – And I guess you must be feeling lucky
today Norm – Oh yeah got my lucky shirt on so because we're filming been to
Costco – Got the great deals haven't we – We have so one of the things that we wish we knew
before we retired was how free it is how stress free no longer having to get up and go through the
morning ritual of preparing yourself to go to work and being accountable to somebody else all
day long it's wonderful to be accountable to your own self and your partner that's it
you're your own person and it's such a freeing feeling and we saw that with Tina when she gave
up work the amount of stress we hadn't realized until a few years after retirement just how
different she was she'd lost all that stress of meeting quotas and all that good stuff – And I think
I'll just add Norm that when you're actually doing the job you actually don't think it is stressful
you don't think you are under all this stress until you stop it do something else and
you think wow this is a lot better we like this it's great so just being accountable to ourselves
we love it don't we – It is totally life changing – One thing that we do think is very important
before you retire is you do need to have a discussion with your partner as to what it is
that the ideas that you're both thinking you have when you're going to retire you do need to
have some goals about, do you want to travel do you want to garden or do hobbies do you want
to stay home you really do need to have that conversation to make sure you're both on the
same page – I think it is it is important and we hear a lot from some comments especially
married women who are saying that their husband their frightened the husband will get under their feet
because he'll be hanging around all the time in retirement but that really isn't the case – Not
for us is it – We've been secure as a couple for the longest time and retirement hasn't changed
how we feel about each other and about what our expectations of each other is it's not as if
we've all of a sudden being locked up together in retirement (no) so it is important to figure out
what you both want out of retirement and to have that discussion a few years before you actually
do retire (yeah) one thing to bear in mind is the first few years of your retirement you'll
be your most healthy so just use that health and strength that you do have in the early years
to achieve some of the goals that you want – Yeah and if you want to be traveling do it while
you've got that – Don't think about traveling if that's on your list just do it right away – Yeah
absolutely and that's what we've done isn't it when we retired we just traveled everywhere
didn't we it was great – About two years before we retired we had an inspector come to the house
for I don't even remember what it was but it was some form of home inspection that we had to and
so we got chatting with him because he was a few years older than us but not that much and he told
us that he had a house very similar to ours that he had sold and now he was living an apartment
and he went through the whole process of them and how they moved to the apartment and how
it was such an improvement on their life and it was something we'd never ever considered
– This was big news to us wasn't it we never even thought about renting an apartment – We had been
homeowners since we were 19 years old so to rent we had that preconceived idea that it was throwing
money away but the more that we looked into it so after he left the next couple of days we spent
many hours thinking about this we did a budget of how much it cost to keep our mortgage free
home – Yeah crunched all the numbers – And what the rent would be and if we had sold the house and it
made more and more sense to us to sell the house to downsize into an apartment bank the money
from the house live off that as an investment and that's what we did – And that's what we did didn't
we – But had that guy not come to our house we might never have come up with that idea – No because
originally we had thought that we would just buy a smaller house didn't we – That's right yeah
– So part of our decision when we had actually now decided that we were going to rent and we realized
that would take care of we wouldn't have all this maintenance and stuff like that to do we decided
after we started looking at apartments that if we moved to a cheaper area could we benefit by
getting the same as what we wanted in an apartment but would it cost us less money so the more
we looked into it we did have a family member who lived in a cheaper place so we looked
at the equivalent of renting an apartment in this new place and it was so much cheaper
wasn't it Norm – Because we initially thought we would just sell our house and stay in
the same area so we started shopping for apartments to find out how much they cost and the
availability and we were pretty surprised that at the expense of them but we were prepared
to pay that (yeah) and then we came to a what you would call it a small town that's cheaper
(yeah) we came to visit a family member here and so we started looking around at the apartments here
and they were substantially cheaper about $800 a month cheaper than where we were initially going
to – Yeah and not only that Norm there was a lot of extras with it wasn't that we got there was
underground parking and what else a swimming pool – And laundry facilities in the apartment – And that
was one thing the gentleman had told us he didn't have on-suite laundry he had it in a laundry room
so we wanted that – But coming to the cheaper town it wasn't just the rents that were
cheaper everything was cheaper the Tina's hairdresser as we've
said in the past was cheaper it just permeated everything so our budget became
so attainable (yeah) by moving – That gave us a lot more money to be able to travel didn't it because
we thought if we can save money on a daily basis and it worked perfect didn't it – It did it was
great, take a look at that if you do have family that live in an area that might be cheaper or
just consider going not knowing anybody – No it's like a new adventure isn't it a new chapter in
your life because we've made friends here and they don't have any family just here but they've
made it a new place for them haven't they – A lot of people have moved out of the big cities to a
small town because it's it's far more conducive to retirement (yes) and friendlier another
thing that you really need to consider is where your friends are going to come from
in retirement because once you leave work those friendships tend to wither away because
the only common bond you have was your job your workplace so we've never
really had lasting friendships from work colleagues they've always been outside
of there so it's it's critically important to continue looking for friendships in retirement
and being outgoing and prepared to speak to people Tina when we moved to this apartment building
they did have a social room and they did a coffee morning and so she would go down there and we
found out so much information about the town and businesses to use – It was great wasn't it – It was – It
was kind of my mission wasn't it to find out new information and to try and make new friends
which we did and we made some fabulous friendships – Well in particular there was one couple that Tina
made struck up a friendship with and they in turn have introduced us to another couple yeah and then
they in turn have introduced us to another couple so that's how it goes – Yeah so now we've got
a group of really close nice friends that we socialize with don't we – And the thing that we have
in common isn't an employer it's being retired – It is isn't it – It really is so don't be afraid
of striking out to a new city a new town because it's relatively easy to make friendships
– Yeah you just have to push yourself out there a little don't you and be confident to going to
things and it's very exciting isn't it so we hope that everybody is staying safe – And keeping
well – Until the next time bye bye, bye bye
Retirement Struggles: 2 Things I Struggled With When I Retired
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
what's going on everyone welcome back to the show
so as you guys can see now I'm on the road and I am on my way to Las Vegas there's a convention
the National Association of broadcasters convention and so I'm gonna go to that see what's
going on when it comes to the new technology comes the cameras and audio equipment things like that
but I wanted to talk a little bit about retirement and I just want to add on to the video that
I posted a couple of days ago and if you guys can do me a favor like I've I've stated in
previous videos actually I stated only in one video the last video that I posted about
please support the retirement content because YouTube is not promoting this out the same
way that it would promote some of my other videos so like if I post a video on a social
security update usually YouTube will promote that but when I talk about retirement for
whatever reason YouTube does not promote that now you guys can do me a favor by just hitting
the like button subscribing to the channel hitting the little bell notification all that
good stuff that helps with the algorithm but by also sharing this content with your family and
friends and that helps with the algorithm as well so I'm almost I'm actually almost to Vegas I've
been driving for the last two and a half hours and I just thought about something I wanted to talk
a little bit about when it comes to retirement so as you guys know if you don't know
I retired about it's been a year in a year and six months no not
a year a year and four months and one thing that I did not anticipate and this
is I talked about some of the things in a previous video and I'll post a link to that video so you
can check it out but one of the things that I didn't expect and this is more of a negative when
it comes to retiring is that a lot of the people that you work with so your friends at work and I
consider friends at work and your friends that you grew up with they're kind of in different banks
right they're not the same because your friends you grew up with I have friends that I grew up
with and they've been my friends for for years and years but when you start working somewhere
of course you're going to develop friendships but it's kind of a situation where I don't
want to say it's a forced relationship but you do have to spend a lot of time with
those people anyway and sometimes that develops into a relationship where you might go out
to lunch together and you might even spend time outside of work with them and so one of
the things that I didn't anticipate is those people that you do have relationships with at
work and you go to lunch and things like that some of those people will not be around when you
retire so they might continue working and you retire and you don't hear from them anymore and so
that's one of the things that I didn't anticipate I was thinking you know what some of these friends
we've had a friendship for years let's say five ten years and it was okay when we were working
together because we saw each other a lot and we spent time and talked about different things
and all that but when you retire it's different now you're not a part of of the company anymore
you're not a part of the the the the the workforce um and so you don't see that person very often and
you might not have even talked to them that much on the phone or text with them that much when
you were working because you saw them all the time but now that you're retired it's totally
different because now you don't text them and you really don't hear from them so that was
a big thing that I had to kind of adjust to and there are some people that I still talk with
there are some people that I work with that I still talk to on a regular basis that I go out
to lunch with even now that I'm retired I still got to go out to lunch with them and spend time
with them but some of those people I was already doing that before I mean that it was already it
was already established like I met them at work but we already had a friendship outside of work
and so that friendship was able to continue where is there some other people that I had
relationships with didn't really spend too much time outside of work with them and those
are the people that you you really don't hear from maybe I'll hear from them once in a blue moon
if someone got fired and they wanted to share this information with me for whatever reason that that
kind of stuff where something happened that was drastic at work where they want to share that with
you and so I think it's just something that you should think about when you retire who's still
going to be around as your friends and who is not going to talk to you anymore or pretty
much they're going about their business and you're not a part of their life anymore and like I
stated I've had I have friends that I grew up with and they're still my friends today and I spend
time with them so this is not anything for me it's not a big deal but it's just an observation
it's something that I didn't really anticipate I was thinking that some of the people that I
spent a lot of time with at work I probably still be in touch with them after I stop working
there but it is it it's not that's not the case and so I just wanted to mention them now there
are some other things when it comes to retirement that are were Shockers to me things that aren't
really you know positive and I wanted I talked about in the previous video I talked about all
the the positives of retirement and they're the positives far outweigh the negatives when it
comes to retiring and so I just wanted to mention this and I'm really when it comes down to it
if you are in a situation where you have the opportunity to retire especially if you have
the opportunity to retire when you're younger and you can afford to do that I highly highly
recommend taking taking that that uh that leap because there are so many things that you can
benefit from if you retire and what some people do is they will especially if you work
where you're receiving a pension what a lot of people will do is they'll go ahead
and retire and start pulling that tension in and then go somewhere else and get another
job in in the law enforcement community this is very common you see this a lot because
you're working in law enforcement you're working for the government you're usually going to receive
a pension and they will take that pension and then go and they can do the same job go to another
agency that has a different Retirement System and then they can collect their pension
after they've retired from the the first uh the first law enforcement job and then go
to another law enforcement job and double dip and so that's very very common and not you know
I'm not talking about just police officers and things like that I'm talking about people
who work for a government in general so it doesn't even have to be just law enforcement most
government jobs they have pension plans set up and so they will do that exact same thing
they'll leave they'll go somewhere else and they'll they'll be able to collect a pension
as well as work another job and and double dip and so that's another option but I I highly
recommend as soon as you can if you can retire do it there are a lot of people out there that
are struggling at work and they might not ever be able to retire and that's really sad and
there's some people that are doing fine at work and they can retire but they don't know
what they're going to do when they retire and so they just continue to work and just my
opinion that's the wrong the wrong way to do things not everybody I mean some people they
love their job and that's why they stay there and they they don't know what they would do
without their job and I completely understand that one of the other negatives when it comes to
retiring is now you're no longer on a schedule whereas when I was working I had a schedule
got up at a certain time in the morning Monday through Friday eight at a certain time
in the morning got to work ate lunch at a certain time everything was was structured
whereas when you retire that structure is gone and that's one thing that I had to to learn really
fast was I need to have a structure so if that means me creating my own structure or something
working a part-time job or doing something I need to have that structure because if not then I end
up not doing anything for days on end where it's like okay I I plan to do something and then I
just keep putting it off because I don't have that structure and so that's something that's
really important and something that I've learned just in this year and a half that I've been
been retired I've learned the importance of I need to be on a on a schedule and I need to
stick to that schedule so I can get things done and so I just wanted to share that with you
guys and those are the two main things there when it comes to retirement that I've noticed
just in this last a little over a year the fact that some of your friends at work you're
probably not going to hear from when you retire and the schedule aspect you need to be on the
schedule and I say that I shouldn't say you need I need to be on a schedule in order to get
things done when I retire because that's just the way way I am and I've been working for the vast
majority of my adult life on a schedule and so it's hard to be off the schedule when you retire
and so I just wanted to share that now I want you guys in the comments below if you guys can do
me a favor let me know some of the the struggles that you found in retirement so let me know that
in the comments below and if you like this video please give me a thumbs up please subscribe for
more next time you guys see me I'm going to be in Las Vegas and I will continue to post videos
every day so that's not going to change but I just wanted to give you guys a quick update and
yes I'm on my way to Vegas next time you see me it'll probably be me shooting a video out of the
hotel so it'll be a little different environment and I might even show you some some stuff from
the the actual uh the conference that I'm going to so that's all I have like the video
subscribe for more please share like I said please share this video with others and
I will talk to you guys in the next one goodbye
Retirement Struggles: 2 Things I Struggled With When I Retired
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
what's going on everyone welcome back to the show
so as you guys can see now I'm on the road and I am on my way to Las Vegas there's a convention
the National Association of broadcasters convention and so I'm gonna go to that see what's
going on when it comes to the new technology comes the cameras and audio equipment things like that
but I wanted to talk a little bit about retirement and I just want to add on to the video that
I posted a couple of days ago and if you guys can do me a favor like I've I've stated in
previous videos actually I stated only in one video the last video that I posted about
please support the retirement content because YouTube is not promoting this out the same
way that it would promote some of my other videos so like if I post a video on a social
security update usually YouTube will promote that but when I talk about retirement for
whatever reason YouTube does not promote that now you guys can do me a favor by just hitting
the like button subscribing to the channel hitting the little bell notification all that
good stuff that helps with the algorithm but by also sharing this content with your family and
friends and that helps with the algorithm as well so I'm almost I'm actually almost to Vegas I've
been driving for the last two and a half hours and I just thought about something I wanted to talk
a little bit about when it comes to retirement so as you guys know if you don't know
I retired about it's been a year in a year and six months no not
a year a year and four months and one thing that I did not anticipate and this
is I talked about some of the things in a previous video and I'll post a link to that video so you
can check it out but one of the things that I didn't expect and this is more of a negative when
it comes to retiring is that a lot of the people that you work with so your friends at work and I
consider friends at work and your friends that you grew up with they're kind of in different banks
right they're not the same because your friends you grew up with I have friends that I grew up
with and they've been my friends for for years and years but when you start working somewhere
of course you're going to develop friendships but it's kind of a situation where I don't
want to say it's a forced relationship but you do have to spend a lot of time with
those people anyway and sometimes that develops into a relationship where you might go out
to lunch together and you might even spend time outside of work with them and so one of
the things that I didn't anticipate is those people that you do have relationships with at
work and you go to lunch and things like that some of those people will not be around when you
retire so they might continue working and you retire and you don't hear from them anymore and so
that's one of the things that I didn't anticipate I was thinking you know what some of these friends
we've had a friendship for years let's say five ten years and it was okay when we were working
together because we saw each other a lot and we spent time and talked about different things
and all that but when you retire it's different now you're not a part of of the company anymore
you're not a part of the the the the the workforce um and so you don't see that person very often and
you might not have even talked to them that much on the phone or text with them that much when
you were working because you saw them all the time but now that you're retired it's totally
different because now you don't text them and you really don't hear from them so that was
a big thing that I had to kind of adjust to and there are some people that I still talk with
there are some people that I work with that I still talk to on a regular basis that I go out
to lunch with even now that I'm retired I still got to go out to lunch with them and spend time
with them but some of those people I was already doing that before I mean that it was already it
was already established like I met them at work but we already had a friendship outside of work
and so that friendship was able to continue where is there some other people that I had
relationships with didn't really spend too much time outside of work with them and those
are the people that you you really don't hear from maybe I'll hear from them once in a blue moon
if someone got fired and they wanted to share this information with me for whatever reason that that
kind of stuff where something happened that was drastic at work where they want to share that with
you and so I think it's just something that you should think about when you retire who's still
going to be around as your friends and who is not going to talk to you anymore or pretty
much they're going about their business and you're not a part of their life anymore and like I
stated I've had I have friends that I grew up with and they're still my friends today and I spend
time with them so this is not anything for me it's not a big deal but it's just an observation
it's something that I didn't really anticipate I was thinking that some of the people that I
spent a lot of time with at work I probably still be in touch with them after I stop working
there but it is it it's not that's not the case and so I just wanted to mention them now there
are some other things when it comes to retirement that are were Shockers to me things that aren't
really you know positive and I wanted I talked about in the previous video I talked about all
the the positives of retirement and they're the positives far outweigh the negatives when it
comes to retiring and so I just wanted to mention this and I'm really when it comes down to it
if you are in a situation where you have the opportunity to retire especially if you have
the opportunity to retire when you're younger and you can afford to do that I highly highly
recommend taking taking that that uh that leap because there are so many things that you can
benefit from if you retire and what some people do is they will especially if you work
where you're receiving a pension what a lot of people will do is they'll go ahead
and retire and start pulling that tension in and then go somewhere else and get another
job in in the law enforcement community this is very common you see this a lot because
you're working in law enforcement you're working for the government you're usually going to receive
a pension and they will take that pension and then go and they can do the same job go to another
agency that has a different Retirement System and then they can collect their pension
after they've retired from the the first uh the first law enforcement job and then go
to another law enforcement job and double dip and so that's very very common and not you know
I'm not talking about just police officers and things like that I'm talking about people
who work for a government in general so it doesn't even have to be just law enforcement most
government jobs they have pension plans set up and so they will do that exact same thing
they'll leave they'll go somewhere else and they'll they'll be able to collect a pension
as well as work another job and and double dip and so that's another option but I I highly
recommend as soon as you can if you can retire do it there are a lot of people out there that
are struggling at work and they might not ever be able to retire and that's really sad and
there's some people that are doing fine at work and they can retire but they don't know
what they're going to do when they retire and so they just continue to work and just my
opinion that's the wrong the wrong way to do things not everybody I mean some people they
love their job and that's why they stay there and they they don't know what they would do
without their job and I completely understand that one of the other negatives when it comes to
retiring is now you're no longer on a schedule whereas when I was working I had a schedule
got up at a certain time in the morning Monday through Friday eight at a certain time
in the morning got to work ate lunch at a certain time everything was was structured
whereas when you retire that structure is gone and that's one thing that I had to to learn really
fast was I need to have a structure so if that means me creating my own structure or something
working a part-time job or doing something I need to have that structure because if not then I end
up not doing anything for days on end where it's like okay I I plan to do something and then I
just keep putting it off because I don't have that structure and so that's something that's
really important and something that I've learned just in this year and a half that I've been
been retired I've learned the importance of I need to be on a on a schedule and I need to
stick to that schedule so I can get things done and so I just wanted to share that with you
guys and those are the two main things there when it comes to retirement that I've noticed
just in this last a little over a year the fact that some of your friends at work you're
probably not going to hear from when you retire and the schedule aspect you need to be on the
schedule and I say that I shouldn't say you need I need to be on a schedule in order to get
things done when I retire because that's just the way way I am and I've been working for the vast
majority of my adult life on a schedule and so it's hard to be off the schedule when you retire
and so I just wanted to share that now I want you guys in the comments below if you guys can do
me a favor let me know some of the the struggles that you found in retirement so let me know that
in the comments below and if you like this video please give me a thumbs up please subscribe for
more next time you guys see me I'm going to be in Las Vegas and I will continue to post videos
every day so that's not going to change but I just wanted to give you guys a quick update and
yes I'm on my way to Vegas next time you see me it'll probably be me shooting a video out of the
hotel so it'll be a little different environment and I might even show you some some stuff from
the the actual uh the conference that I'm going to so that's all I have like the video
subscribe for more please share like I said please share this video with others and
I will talk to you guys in the next one goodbye
Things We Wished We Knew Before Retirement
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
Well it'' s great to be with you all once more it'' s. one more video clip day for us – It is – So points that we wish we knew before we retired virtually.
sounds like a nation songs song there Tina – As well as I think you have to be really feeling fortunate.
today Norm – Oh yeah got my lucky t shirt on so due to the fact that we'' re filming been to.
Costco – Got the terrific bargains sanctuary'' t we -We have so among the things that we desire we recognized.
prior to we retired was how cost-free it is how stress totally free no more needing to get up and go through the.
early morning ritual of preparing on your own to visit function as well as being liable to someone else all.
I'' ll just include Norm that when you'' re really getting the job done you actually wear'' t believe it is stressful.
you wear'' t believe you are under all this stress and anxiety up until you stop it do something else and also.
you assume wow this is a lot far better we like this it'' s terrific so simply being accountable to ourselves.
we love it put on'' t we -It is completely life transforming – One point that we do believe is extremely important.
before you retire is you do need to have a discussion with your companion regarding what it is.
that the suggestions that you'' re both assuming you'have when you ' re going
to retire you do require to. have some objectives about, do you desire to take a trip do you desire to yard or do hobbies do you desire. to stay at home you'really do require to have that discussion to ensure you ' re both on the. very same page- I believe it is it is important and we hear a whole lot from some comments especially. wives who are claiming that their spouse their scared the hubby will certainly get under their feet.
because he'' ll be hanging around constantly in retirement yet that actually isn'' t the situation – Not. for us is it -We ' ve been safe and secure as a pair for the lengthiest time and also retirement hasn'' t transformed.
just how we feel about each various other and about what our assumptions of each other is it'' s not as if'. we ' ve all of an abrupt being secured together in retired life (no) so it is essential to figure out.
what you both desire out of retired life as well as to have that conversation a couple of years prior to you actually.
do retire (yeah) one point to birth in mind is the very first couple of years of your retired life you''
ll. be your most healthy so simply make use of that health and wellness and toughness that you do have in the early years.
to accomplish a few of the goals that you want – Yeah and also if you wish to be taking a trip do it while.
you'' ve obtained that -Don ' t think of taking a trip if that'' s on your checklist just do it as soon as possible – Yeah.
absolutely and that'' s what we ' ve done isn ' t it when we retired we just traveled all over.
didn'' t we it was terrific -About 2 years prior to we retired we had actually an assessor involved your home.
for I put on'' t even remember what it was but it was some form of home assessment that we had to and also.
We obtained talking with him because he was a few years older than us yet not that much and also he informed.
us that he had a house really comparable to ours that he had marketed and also currently he was living an apartment.
and he went with the entire procedure of them and also exactly how they moved to the apartment or condo and also how.
it was such a renovation on their life and it was something we'' d never ever taken into consideration.- This was big information to us wasn'' t it we never ever also thought of renting out an apartment – We had been.
homeowners because we were 19 years old so to rent we had that preconceived notion that it was tossing.
money away however the a lot more that we considered it so after he left the next couple of days we invested.
lots of hrs assuming about this we did a spending plan of exactly how much it cost to keep our home mortgage complimentary.
home – Yeah ground all the numbers – As well as what the rental fee would certainly be as well as if we had actually marketed your house and it.
made an increasing number of sense to us to offer the house to downsize into an apartment financial institution the money.
from your home live off that as a financial investment and also that'' s what we did- As well as that ' s what we did didn'' t. we -Yet had that guy not involve our home we could never ever have generated that suggestion – No since.
originally we had actually believed that we would certainly simply buy a smaller home didn'' t we- That ' s appropriate yeah.- So component of our decision when we had actually currently determined that we were going to rent out and we recognized.
that would certainly deal with we wouldn'' t have all this maintenance as well as things like that to do we made a decision.
after we began checking out apartments that if we transferred to a more affordable area might we profit by.
obtaining the like what we desired in an apartment or condo but would it cost us less money so the a lot more.
we checked out it we did have a family members participant that resided in a cheaper location so we looked.
at the equivalent of renting an apartment in this brand-new area as well as it was a lot less expensive.
wasn'' t it Standard -Since we initially thought we would just market our residence and remain in.
the exact same location so we began shopping for apartment or condos to locate out just how much they cost and also the.
schedule as well as we were pretty surprised that at the cost of them but we were prepared.
to pay that (yeah) and afterwards we concerned a what you would certainly call it a village that'' s less expensive.( yeah )we concerned go to a family members member below therefore we started checking out at the homes here.
as well as they were significantly less costly regarding $800 a month cheaper than where we were initially going.
to – Yeah as well as not only that Standard there was a great deal of bonus with it wasn'' t that we obtained there was.
below ground car park and what else a swimming pool – And also laundry centers in the house – As well as that.
was one point the gent had informed us he didn'' t have on-suite washing he had it in a washing room.
so we desired that – But involving the less costly town it wasn'' t simply the rental fees that were.
cheaper whatever was less costly the Tina'' s beautician as we''
ve. stated in the past was more affordable it simply permeated whatever so our budget plan came to be.
so achievable (yeah) by relocating – That offered us a lot more money to be able to travel didn'' t it due to the fact that. we believed if we can save money every day and it worked best didn'' t it -It did it was. great, have a look at that if you do have household that live in a location that could be cheaper or.
simply consider going not recognizing anyone – No it'' s like a new journey isn'' t it a brand-new chapter in. your life since we'' ve made pals below as well as they wear'' t have any household simply right here but they''
ve. made it a new place for them place'' t they- A lot of individuals have relocated out of the big cities to a.
town since it'' s it ' s much more for retirement (yes) and also friendlier another.
thing that you truly require to take into consideration is where your buddies are going to originate from.
in retirement due to the fact that once you leave work those friendships often tend to perish away because.
the only typical bond you have was your task your work environment so we'' ve never ever.
truly had long-term relationships from work coworkers they'' ve constantly been outdoors.
of there so it'' s it ' s seriously important to proceed searching for friendships in retired life.
and being outward bound as well as prepared to speak with individuals Tina when we transferred to this apartment.
they did have a social area and they did a coffee early morning and so she would drop there as well as we.
learnt so much details concerning the town as well as businesses to utilize – It was excellent wasn'' t it – It was -It. was kind of my objective wasn ' t it to learn new details as well as to try and also make brand-new close friends.
which we did as well as we made some wonderful relationships – Well particularly there was one pair that Tina.
made struck up a friendship with and they subsequently have actually introduced us to one more couple yeah and after that.
they consequently have actually presented us to an additional couple to ensure that'' s exactly how it goes -Yeah so now we'' ve obtained.
a team of truly close nice friends that we socialize with put on'' t we -And also the important things that we have. alike isn ' t an employer it ' s being retired – It is isn ' t it -It actually is so put on ' t be worried. of setting out to a brand-new city a new community because it'' s relatively simple to make friendships.
– Yeah you just have to press on your own available a little put on'' t you as well as be confident to going to.
points and it'' s extremely interesting isn ' t it so we hope that everybody is staying secure – And also keeping.
well – Till the next time bye bye, bye bye.
Achievable (yeah) by relocating – That gave us a whole lot more cash to be able to travel didn'' t it because.
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