7 Challenges Singles Will Face in Retirement

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Advice for Singles
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🚨 Azul's VIDEOS ARE NOT FINANCIAL ADVICE (Disclaimer) 🚨
This information is only provided as an informational resource and should not be viewed as investment advice or recommendations. To get professional financial advice from a fee-only financial advisor near you, please visit www.napfa.org.
The decisions on how to invest, when to retire, and other financial planning topics are some of the most important financial decisions you will make in your life. I urge you to seek professional financial advice as you make this decision. Ideally, from a financial adviser, AND a CPA AND an attorney. Having the perspective of all three professions will help you make the right decision for you and your family.
This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and may NOT be suitable for all investors.
This information is NOT intended to, and should NOT, form a primary basis for any investment decision that you may make. Always consult your own legal, tax, and/or investment advisor before making any investment/tax/estate/financial planning considerations or decisions.
Spoiler Alert: There are no "get rich" programs. Rather, just basic blocking & tackling and putting in time and care. Do your homework, choose wisely and (IMHO) work with experienced professionals who are fiduciary to you 100% of the time.

Опубликовано:

17 сен 2024

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Комментарии : 615

@donnanorris4733 8 месяцев назад

68, divorced 33 years. I am certainly not lonely. Free as a bird. Have learned to be content with my life.

@topper1958 8 месяцев назад

FYI: yes I’m part of that 30% single and alone. However, there are far more married and alone out there. That is far worst. I was once one of them. Divorced over 12 years and I have something married people don’t have. PEACE.

@alg6048 8 месяцев назад

Totally agree! Some of us prefer and are happier being single. I have witnessed good marriages and marriage is still not the goal.

@heidikamrath1951 8 месяцев назад

From a financial perspective, would you invest in something that has a 50% chance of success? Probably not. So why do it with your personal life? Fifty percent of marriages end in divorce and of the remaining 50% it is likely a chunk of those aren’t so blissful…

@montanasky2253 8 месяцев назад

I don’t see too many happy marriages. I, on the other hand, am single and thrilled. I do what I wanna do when I wanna do it and I spend my money the way I wanna spend my money..Total freedom

@KidCity1985 8 месяцев назад

Amen!

@genxx2724 8 месяцев назад

@@montanasky2253 What kinds of things do you do?

@warrentrout 8 месяцев назад

A lot of us like being single.

@blktauna 8 месяцев назад

no lie there.

@KristiBranstetter 8 месяцев назад

I love being single!

@dennisalbrecht6438 8 месяцев назад

Less drama

@emichaelny336 8 месяцев назад

Amen!

@nubicep65 8 месяцев назад

Amen love the freedom of being single

@cjswa6473 8 месяцев назад

It's better to be alone than to wish you were...100% of the time

@danielhuntington2116 8 месяцев назад

Excellent point👍👍

@hikerhobby1204 8 месяцев назад

Amen! I was never more lonely then when I was married.

@lindylou3519 7 месяцев назад

Agreed!

@tancreddehauteville764 8 месяцев назад

Single people have one thing that married people don't have: freedom. You can live anywhere in the world. You only have to worry about what YOU want, not what your partner wants.

@2legit2Kwit 8 месяцев назад

That’s wealth in itself.

@philochristos 8 месяцев назад

That is true. I'm more free now than I've ever been. My last relationship ended six years ago. My daughter is now grown. Both of my cats have died. I accepted a job that has me living in an AirBNB. I don't have a home, and I put all my stuff in storage to take this job. So I don't even have rent or a house payment. I've never been this free. It's a little overwhelming because I don't know what to do with all this freedom, and I'm scared of wasting the opportunity. I can go anywhere I want once this job is over later this year, but I have no idea where I want to go.

@jakeforrest 8 месяцев назад

@@philochristosMy condolences for your cats !

@skylarsartnphotography3450 8 месяцев назад

@@jakeforrestYes, I'm single too, except for my 3 cats.

@notyet2345 8 месяцев назад

If older single people are worried about failing health, single people can always get a geriatric care manager. I will get a geriatric care manager and lifelock....problem solved. I figure because of not having kids and doing okay with managing my money, I will be able to afford a geriatric care manager who would basically being advocating on my behalf should I ever become incapacitated.

@churchofpos2279 8 месяцев назад

I retired and moved to a small rural town. I live out in the country and only have a few neighbors. I deliberately chose a place without a lot neighbors nearby. I like not having to interact with a lot of people /get involved in all the drama. I am debt and mortgage free. My needs are few and I engage in activities that cost very little to do. I live a comfortable life style and don't need a high income.

@keepingitreal618 8 месяцев назад

Similar to my plan dont like built up areas. Will hopefully find something more remote, actually community support is usually better. Having fresh fish forced on you regularly!

@kibblenbits 8 месяцев назад

I've done almost everything you did, except that I moved to rural wooded acreage, with no close neighbor's. I also live very comfortably.

@lzrd8460 8 месяцев назад

Your situation sounds similar to mine. I was married young, divorced young and never remarried. I retired five years ago. I have mostly been a loner and not comfortable around large groups, never had more than a handful of close friends. I love to work with my hands and stay busy with that and my two dogs. When I was still working, I could t bear all the meaningless chit chat and welcomed the serenity of living on my own in a small mountain village. I do worry about not having a support group close at hand but I chose this life so it’s my bad! Like you, no mortgage and am debt free so I don’t really have anxiety over money issues. The only time I think about my life if married is when I can’t move something heavy or need a second pair of hands! ☺️☺️. Not everyone was born to marry. We do have meaningful, enriched lives as single ppl but just as married folks have their issues, single ppl do as well. I have never regretted my life choices, wouldn’t change a thing. Thank you for reminding us of these challenges, the legal ones must be addressed.

@tdww3276 7 месяцев назад

Good for you. That’s my goal too.

@kaitlyncranwick 8 месяцев назад

People grappling with the difficulty of meeting essential expenses often encounter this situation due to inadequate savings during their working years. The decisions taken in readiness for retirement carry extensive consequences, as demonstrated within my own family dynamics. Differing investment approaches yielded disparate results. Guided by a financial advisor, I'm currently retired.

@BiancaSherly-qt6sb 8 месяцев назад

Indeed, that's accurate. I'm currently in my mid-50s. My wife and I were on a similar path until a couple of years ago when I decided to shift my investments to her wealth manager. While I haven't quite caught up to her accumulated profits over the years, I'm at least earning more now. I'm generating income even before retirement, and my retirement fund has experienced remarkable growth compared to what it would have with just the 401(k). It's quite amusing.

@maryHenokNft 8 месяцев назад

I've remained in touch with a financial analyst since the start of my business. Amid today's dynamic market, the key difficulty is pinpointing the right time to buy or sell when dealing with trending stocks - a seemingly simple task but challenging in reality. My portfolio has grown by more than $600k within just a year, and I've entrusted my advisor with the task of determining entry and exit points.

@maggysterling33254 8 месяцев назад

@@maryHenokNft Do you mind sharing info on the adviser who assisted you?

@maryHenokNft 8 месяцев назад

Definitely! All of this happened in less than a year after *Gertrude Margaret Quinto* told me what to do. I started with less than $100,000, and now I'm about 17,000 short of having a quarter million dollars.

@StellaMaris-lv2uq 8 месяцев назад

Appreciate this recommendation, hopefully I can get some insight to where the market is headed and strategies to beat the downtrend with when I hear back from gertrude

@Yaya-cl3tu 8 месяцев назад

I am single and have zero drama in my life now vs. the daily tragedy that was my life when I was married. Accordingly, I will continue figuring out ways to make my life work as a single person unless the Universe sends me someone with no drama and no bs.

@keith4826 8 месяцев назад

Funny I used to call it the daily emergency 🚨 Was married for over 20 years. 10 year relationship after that. Retired over 2 years now…single

@dianaw451 8 месяцев назад

Amen, sister. Peace after 30 years of marriage n happily divorced.

@dkstudioart 8 месяцев назад

I'm single (always have been), been retired for 4 years now, I love living by myself but do have friends in my hobby "tribe". I'm not sure what constitutes "financial anxiety", I do pay close attention to my finances and live simply to make sure my money lasts. The 3rd point doesn't apply to me since I've never been married. I will admit #4 could be a problem, just for having the physical assistance when you are sick, however even if you are married you might eventually end up in that situation anyway (spouse dies first). I retired single and honestly would not have it any other way, but I'm a bit weird.

@MB-uy5kh 8 месяцев назад

I was married for 30 years before my spouse died. I am now single for over 15 years and plan on staying single. Not weird at all to want to remain single.

@Rosie-vb6fv 8 месяцев назад

Agree 100% I’m a single educated women who has single friends I’ve met mainly through church groups and activities. I work full time and am happy staying home alone or meeting my church friends.

@notyet2345 8 месяцев назад

Check out geriatric care managers. For a fee, you can hire a geriatric care manager to help manage your healthcare when you get older. They provide a variety of services like keep track of your appointments. Help make arrangements to get you to your appointments......etc. I planned on looking more into these care managers. I'm single with no kids and I don't live near any family so a geriatric care manager would be perfect for me.

@pyrosquid3653 8 месяцев назад

Bedroom fun is better with a partner. Everything else is better alone!

@evelyngolden2272 7 месяцев назад

No, you are not weird.

@cduff4505 8 месяцев назад

Thank you for putting this together! Very helpful. As a single 54 yo female planning on retiring in the next 4-5 years, I wish there was more content for singles. If we make up approx. 30% of the population it shouldn’t be so hard to find good content for singles, but sure is! I would think 30% of your videos should target singles? Please do more videos for singles, it’s super helpful to have different points of view to consider, learn more about or take action on!

@MTXSHO9732vV8SHO 8 месяцев назад

Those People are "stuck" around the co-workers and making it through each day (generally speaking). I'm 56 and seeing it for myself, I can't wait to get out of that environment.

@noreenn6976 8 месяцев назад

Would be great to find videos about singles made by singles. No disrespect but a married person just doesn't get it.

@maxflight777 8 месяцев назад

Azul, you’ve lost the plot ! It’s easy to retire single … I don’t have to share my pension pot with anyone! it has more likelihood of making it to my death without running out ! less worry, no woman to moan and be menopausal 😂

@keepingitreal618 8 месяцев назад

@maxflight777 us women feel the same. Love being on my own. Men have same problems as they get older. Won't go into detail 😂😂😂

@genxx2724 8 месяцев назад

@@keepingitreal618 Yes, men absolutely have the same problems. And I’m on HRT, so I’m bypassing it. Estrogen, progesterone, and testosterone. Fountain of youth. 💅

@professlch6347 8 месяцев назад

Maybe another shot should be given to this topic with some folks who better understand single by choice people, their psychology, and their lifestyles? Some of these were fine, but? Single doesn't mean lonely or alone or abandoned, lol.

@OroborusFMA 8 месяцев назад

Exactly.

@ivanvarykino8202 8 месяцев назад

He stated this in his opening.

@danielhuntington2116 8 месяцев назад

Exactly...I got myself a wonderful golden retriever...my main buddy has 2 Goldens...I just retired at 66 with tough knee arthritis...I lost about $600,000 in divorce in $$$ and house....even though I have much less....it's ok though as want to focus on my health and enjoy my time...don't want to be scraped up on the job...if I can find a low key snuggle woman that would be gravy...but I have peace.😊😊👍👍

@fionameredith8787 8 месяцев назад

Agreed. I like and respect Azul but this video was kind of condescending.

@patriot1182 8 месяцев назад

Nope! I feel wonderful not having to put up with drama and stupidity! The single life is awesome! Bullshit! I have plenty of hobbies and enjoy doing them myself! I live on my own private 50 acres! No debt and no stress! The single life for me! Loving life!

@Philippines888 Месяц назад

Maybe you want to get to know an filipina woman? I am single, never married and no kids. I am 50 years old.

@VanaConn 8 месяцев назад

Retiring single soon at 55 probably because I never married and never had kids. It wasn't marriage that I feared, it was the divorce, LOL. Can't say I'm hating life. My career wasn't the best for a great social life, so I need to make up for that.

@projectkj7643 8 месяцев назад

Oprah said to marry someone whose bad habits you can put up with. I never met anyone whose bad habits (cheating, chronic unemployment, anger outbursts…) I could put up with! 🤷🏼‍♀️ I have lots of friends and stay busy. Life is not perfect but it’s peaceful. 🙂

@MTXSHO9732vV8SHO 8 месяцев назад

Nice Ragtop Bug, I like those Fuchs Rims. My guess is you've got an 1835cc+ Engine to go along with it based on those seats. The Bug Community is great. You'll have plenty to do (most likely)

@garykinard7553 8 месяцев назад

Smart man, I divorce young, lost everything. Rent houses , half my pension. horrible. Took me years to get over it.

@tancreddehauteville764 8 месяцев назад

@@projectkj7643 I put up with all of that from my parents, so I was already well prepared when I got married! 😆

@skylarsartnphotography3450 8 месяцев назад

@@projectkj7643But I never watch or listen to Oprah lol

@Victic005 8 месяцев назад

There's nothing wrong with being isolated.

@donzucca264 6 месяцев назад

For someone with social anxiety and cPTSD I have to count on isolation to cope.

@OhWell0 6 месяцев назад

health

@roxg8702 8 месяцев назад

Widowed at 45, still single at 52. Went back to school since my husband was my financial security. I’m totally alone in the world, besides acquaintances. It’s like being 20 at 50…without the aspirations. But I do have life experience, practicality and common sense. There are few of us, but a growing number that have to get resituated as our hair grows grey.

@joyblevins8712 8 месяцев назад

I'm single and I don't feel isolated. I love my life

@beverleyreid7572 7 месяцев назад

Good for you.

@CarmenFatima 8 месяцев назад

Excellent guidance Azul! I have been a 67 year old, single female for the past ten years and it has its pros and cons. I retired this December when I turned 67, as I finally realized the cost of time was higher than any job could provide. I feel that I am on a new journey: a book yet to be written and for me to decide what will its pages say. I want to make every decision moving forward intentional, meaninful, confidently, and embrace what life brings. I heard the saying "Live your best life" which made me contemplate its meaning and what brings me joy, peace, and happiness. To all single retirees outhere, be confident, come out of the shadows as age does not define you and brind some light and smiles into this world.

@virginiamoss7045 8 месяцев назад

Yes, everything is geared for couples; thanks for presenting this to singles. However, not all people hunger for socializing and want peace and quiet; they can also thrive being alone. I am one of them and there is no advice for me because most people are one way and I'm another just like most retirees are couples and I'm not. I'm happy alone and don't want amenities and such; I do want medical care nearby, though.

@loriella6250 8 месяцев назад

Exactly. My financial planner and videos such as this one make me think there is something wrong with me. I enjoy my own company.

@virginiamoss7045 8 месяцев назад

@@loriella6250 I sometimes think there is something wrong with them for being so desperately needy.

@mattlawrence7130 7 месяцев назад

There is a difference between being single and having no family. Single with family is a very different than being completely alone.

@TMendocino 8 месяцев назад

We are a gay couple, had our fun and were married in 2015. We did it because we knew that retiring together was going to make our lives easier. He is my best friend. We live in California and found a great neighborhood with wonderful neighbors.

@happylistener4628 8 месяцев назад

As a retired single woman, I’m happy being a lone wolf. A loner and never lonely. A person who's a lone wolf is solitary and often alone, but she isn't necessarily lonely, since she prefers her solitude to socializing with others.

@churchofpos2279 8 месяцев назад

💯

@Sup3rSH0O 8 месяцев назад

I’m 54, single for the past 19 years and plan on retiring in 4 years. I love the freedom of being single and have a strong network of friends and family. Just recently started to get involved in my local senior club which is very active. The financial situation is obviously not as easy by myself, but I think I’ve planned well and will be fine 😊👍🏻

@jstanders6973 7 месяцев назад

I'm exactly the same as you, except I don't have the strong network of fam and friends. Hoping to retire in 4yrsor less but I need to find somewhere peaceful and nice to live. Good luck Dear 🎉

@M.Campbell 8 месяцев назад

In some cases a single person can save significantly more than a married couple. My husband always spent more, on nonsense, than he brought home. He couldn't save a dollar, long term, if his life had depended on it. Hours of arguments, budgets and even spreadsheets went nowhere. All savings I made for retirement had to be done from my paycheck and pre-take home. I'm so glad I did that. He passed away and didn't need any retirement. I'm still around and very much need it. I could have saved so much more without him.

@gryffinberner 8 месяцев назад

I agree! I am 68 and retired for 3 years. My ex was often unemployed and shopping was his favourite and only hobby. He wanted alimony when I divorced him! He split everything 50/50 as that is the law in Canada. After his debts (our debts, in the eyes of the law) I bought him out of our house and he left with a pile of cash. Needless to say, he spent it quickly and lost everything. I am so glad I divorced him 20 years ago or I would be living in that basement apartment with him. I am happy and am solid financially. I don’t want a room mate but do have a partner that lives in his own place. Best of both worlds.

@davidbrooks8809 7 месяцев назад

53..im single and it sucks..was Married once..hopefully I can find the love of my life SOON 😊

@machintelligence 8 месяцев назад

Watch out for the contract on those emergency alert pendants. My mother was sold one on the assurance that it could be cancelled at any time. Less than two years later she moved into a retirement community that provided one to every resident. It practically took an act of congress to get her out of the contract.

@heidikamrath1951 8 месяцев назад

Thank you for the warning!

@noreenn6976 8 месяцев назад

More videos for single people please.

@kh-vz2el 8 месяцев назад

I'm turning 62 this summer, have been divorced since 1992 after 12 years of marriage, I have two grown children and have a close and loving relationship with them I do not have grandchildren. To retire early I plan on selling my home in SoCal to move to a new state for all the reasons one would do that. This has been a difficult decision but my children understand and encourage me to retire early my aerospace job has me working mostly 58hrs. per week for over 40 years.

@GillianAllison1 8 месяцев назад

As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make decent returns

@DulcedeLeche482 8 месяцев назад

that requires a fair amount of research and good market timing

@NoahFleming1 8 месяцев назад

Buy low sell high. Or something like that

@HarrisonIvan 8 месяцев назад

Stick with a good company by either not selling when it’s going lower and/or buying more at that time. Almost always the good well managed companies will come back strong at some point. The other is to buy when the markets are tanking and in downturns in the economy. View that as a time when you are getting stocks on sale

@GillianAllison1 8 месяцев назад

@CastilloBrood How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.

@GillianAllison1 8 месяцев назад

@CastilloBrood I just looked up this person out on her website of curiosity, surprisingly she seems really proficient, I thought this was just some overrated BS, I appreciate this

@kellyyork3898 8 месяцев назад

Falling down trying to get the squirrel out of the attic; having to fight with docs and hospitals and be your own advocate when you’re sick; no one to bounce ideas off of (but now there’s the Internet); no one to hand you five bucks for gas when you won’t get your pension check for another 3 days and you’re running short. Still, I would not trade the freedom, the ability to travel when you want, to make good friends, to invest in your own future, to have your own power, and to make your own decisions for anything!

@samanthathompson9812 6 месяцев назад

Sometimes I just want someone to bring me a cup of tea when I'm not feeling great.

@j.m.marcovecchio6691 8 месяцев назад

Single people often did try to have other people in their lives. In my case, I did try but it never happened but I REFUSE TO THINK OF A RELATIONSHIP AS A CRUTCH. RATHER being alone than in an abusing relationship.

@to1620 7 месяцев назад

Another huge aspect in relation to retirement that is often overlooked in these types of discussions is family. Never mind being single. The American healthcare system in particular almost EXPECTS everyone to have close available family members at their beck-and-call for assistance. Do you need to be sedated for an in-office procedure? Call your family. Need a prescription picked up because you can’t drive. Call a family member. Need a first floor bedroom to stay in for recuperation? Call your family! Unfortunately, not only are many of us SINGLE, but many of us also no longer have family. My point being that for those of us who dare to deviate from societal norms are bound to be punished for it. Happy retirement.

@samanthathompson9812 6 месяцев назад

Very true, glad you pointed this out. This'll be me someday.

@Vanessa56787 8 месяцев назад

First Challenges was the 14th largest bank in the US, and it wasn't subject to the most strict controls. How many banks actually are subject to those controls, besides the big four? Any bank could suffer a run and fail, and if that happens to a community level or even state level bank it probably won't upset the national economy or ecosystem of banks, but any multi-state bank should be more closely watched, I cannot let my $680k savings vanish after putting in so much effort to accumulate them.

@Scarlett34568 8 месяцев назад

In my opinion, some of these banks was attempting to restructure their bond portfolio, which involved selling their low-yielding bonds despite the potential loss, and compensating for it by buying higher-interest-rate bonds on the open market.

@Hazel5063 8 месяцев назад

During market downturns, investors should remain committed to reputable companies by maintaining or growing their investments, as well-managed businesses eventually regain their former strength. To find the best entry and exit points for long-term gains from stock appreciation, get advice from a financial expert. Gains from working with an investing advisor can be substantial, as was demonstrated during the pandemic when a gain of $530k in just 8 months was realized.

@Annie56427 8 месяцев назад

It's a good time to buy and basically I've just got cash sitting duck in the bank and I'd really love to put it to good use seeing how inflation is at an all time-high, who is this coach that guides you, mind I look them up

@Hazel5063 8 месяцев назад

Absolutely, I agree, and the markets are currently in a frenzy. The greatest time to observe them, learn more about them, and take advantage of opportunities to strike is now. My advisor, CATHERINE MORRISON EVANS told me this. She has witnessed a number of market cycles over the years and has some insight into how, why, and what will happen next.

@Annie56427 8 месяцев назад

I must admit, CATHERINE seems to be pretty knowledgeable, so thank you for the suggestion. I completely read through her resume, educational history, and qualifications after finding her online, and I must admit, they were extremely remarkable. and it's a bit of a challenge.

@hump1953 8 месяцев назад

I’m 71 , single, never married… good ideas here… also don’t get too wrapped up in social media, dating sites… I made a mistake and met a girl online and ended up spending a HUGE amount of money because I was lonely and looking for company…

@Person-mh6xq 7 месяцев назад

NOT true about dating apps. You just need to use common sense. Online is how the majority of people meet these days.

@samanthathompson9812 6 месяцев назад

Don't go out with girls, if by girl you mean someone radically younger.

@Private-GtngxNMBKvYzXyPq 7 месяцев назад

The Apple Watch functions quite well as an emergency notification device, and is quite cost effective for the purpose (and has other useful functions too). I have gifted several to senior citizens I am close to and they have each been quite happy with them, and a couple of them have benefited from the fall detection feature. It’s literally life saving. Respectfully submitted.

@roxannef7659 7 месяцев назад

I'm only in my 40s and single/never married. Thanks for these tips! I have a ridiculously large social circle linked to various interests and already have a GPS-linked emergency locator due to my remote outdoor activities but I really need to get my power of attorney in place. I had no idea it had to be renewed so often and that banks could choose to ignore it because it's "too old".

@kaytee1617 8 месяцев назад

Thank you for addressing this population.

@Blitcliffe 7 месяцев назад

Personally, I think investors will start to seek more market diversification. can i confidently invest about $350k into the financial markets in 2024? I'm still not sure how rates will effect the market just yet, which worries me a lot.

@user-3456rtu 7 месяцев назад

I think investors who are wary of changing market trends should seek out bear market directions from certified strategists/planners. Safer that way

@Natalieneptune469 7 месяцев назад

No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 2024.

@Blitcliffe 7 месяцев назад

Being heavily liquid, I'd rather not reinvent the wheel. Since this strategy works for you, how can I contact your advisor?

@Natalieneptune469 7 месяцев назад

Natalie Ann Brinkman is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

@Blitcliffe 7 месяцев назад

I appreciate this share. I set up a call with her and I am keen on getting to talk to her particularly. Lady looks really great though even with the exams and other stuff.

@johnnyboyvan 8 месяцев назад

I am so glad you choose to briefly discuss us single recent retirees, but I would like more info of what singles spend or save for a reasonable retirement.

@ordinaryhuman5645 8 месяцев назад

Depends entirely on what you choose to spend (especially since single folks get to control the spending 100%). Last year I spent $25k, and about $9k was a roof and gutter replacement project that shouldn't need repeating for a long time.

@danielhuntington2116 8 месяцев назад

You did excellent with your budget👍👍

@johnbarr2100 8 месяцев назад

I am 55, divorced and pretty much retired, but considering starting another business. The problem I have/had with dating is meeting someone at the same place. All the women I have met so far plan on working for many more years. One woman I dated that was actually a little older than me planned on working for 10 more years. I don’t want to do that. The compatibility just hasn’t been there.

@tancreddehauteville764 8 месяцев назад

Yeah but you don't need to work longer just because 'she' wants to. If she doesn't accept this then she isn't worth the emotional investment.

@fdm2155 8 месяцев назад

I think the issue us you won't be on the same page. If one of you is retired and wants to use that freedom to slow travel it's likely to be an issue, for example.

@johnbarr2100 6 месяцев назад

@@tancreddehauteville764 but I would like to retire with the person? If I am going to travel alone then why get into a relationship?

@johnbarr2100 6 месяцев назад

@ighanchks3500 practical?? I would like someone to “retire” travel with? What would be the point? Why is the point be missed? Compatibility of position in life was the point….

@claudeclarke3469 8 месяцев назад

Thanks for this video Im single and nearing retirement. Can't wait!

@evershade.after.dark. 7 месяцев назад

I work for an attorney. On Saturday, a client alerted us that her mom, it was just discovered, has stage 4 cancer. We got the pertinent information on Monday, finished up edits on Tuesday, and made an appointment on Friday to sign them at her home. It was financial power of attorney, healthcare power of attorney, beneficiary deed (real estate), beneficiary assignment (tangible property such as household goods), and a will. Now everyone is at peace because none of it will need to go through probate (in all likelihood). ALSO, PLEASE NOTE: power of attorney is ONLY effective while the person is alive. Once the person is deceased, whomever they named as their personal representative is the one who executes their wishes as outlined in the will, etc.

@2legit2Kwit 8 месяцев назад

As a single 49 year old, being single forces me to be more social. I know alot of marrieds that don’t have any friends and don’t leave the house on weekends.

@lzrd8460 8 месяцев назад

And most of my married friends complain much more about their partners and wish for my life! The grass is always greener…☺️

@jeremiahsams2848 8 месяцев назад

The grass isn't always greener.@@lzrd8460

@zoomzoom3950 8 месяцев назад

It's not isolation, it's solitude. Alone doesn't mean lonely. I plan to retire early, in the next 2-3 years, once my youngest is in college, and set. One of my top priorities for retirement is a bluewater sailboat that I can singlehand: i.e., a sailboat I can safely and easily sail alone, and is designed with ocean-crossing capability - a combination that is available, but uncommon. I plan to spend part of each year in retirement sailing coastal south Florida / keys, the Bahamas and the Caribbean: alone. Still looking for the right boat at the right price and condition, in the right location (if it's on the other side of the world, you have to get it here or pay someone to do if for you). I'm ready to buy now; I'd like to get the boat as soon as possible so I can get it ready, repaired, updated and refit, and enjoy it now while still working. Other than my kids, I have zero interest in socializing with anyone.

@beverleyreid7572 7 месяцев назад

I agree with your last statement. Most people only bring their misery to you.

@Ashley-hp2vn 8 месяцев назад

This is very important topic, please more of these, thanks❤

@michaelgrabowski5140 8 месяцев назад

I think that this is one of your better advise videos. Single people may not have a close relationship that you can relieve on for help.

@E.E.F. 8 месяцев назад

I make more by myself than the average household income, and I am in the top 20% of wealth. I will have a pension and also have substantial assets. I have friends (and children) that care about me. No anxiety here at all.

@2legit2Kwit 8 месяцев назад

Same. Got my kid, Family, siblings etc. free as a bird.

@drothberg3 7 месяцев назад

Congratulations. Most people are not as fortunate as you.

@ESF618 7 месяцев назад

@@drothberg3 I know. But I also worked hard for my success. 🙂

@carolinegathercole8473 8 месяцев назад

Get annoyed when people start referring to ‘my husband’ without knowing whether I am single or not. It’s just the assumption that a single woman simply could not possibly cope on her own.

@josephstevens9888 8 месяцев назад

Very good video Azul... I'm 61 one, and I never considered a medical power of attorney. I have a financial POA for several years now. I'll have to look into that this year - as well as revising my will or set up a trust. My fortunate to come from a large family who all live within 20 miles. Plus, I'm very active in my community.

@livingoncoffee 8 месяцев назад

It's good you found what you were looking for. In general, you cannot depend on people for your own happiness.

@sallyclay1974 7 месяцев назад

I went through a bankruptsy and corporate takeover of my company. I went through my stock money in about 8 yrs. I was 60. Now I'm retired, in Danbury, CT, and living on a fixed income. It's pretty bad. I have a housing voucher for a one bedrm. That helps. Now, I'm on waiting lists for senior housing. I have family, but Thry r scattered all over the US. My daughter is in Cali. My plan, is to get rid of my 2008 Mazda 3, when I secure a senior place, and change my lifestyle.

@nirmalyaster 8 месяцев назад

You have been a father figure sharing your wisdom and my earnest gratitude to you sir. I am from India and I was waiting for this video, I am in 40 and hopefully will lead a different life outside office culture. Agree with your point of loneliness, however, even in countries like India people are following western culture of divorce and roaming with multiple people, abuse, narcissism, lack of financial wisdom and extreme ego and rude behaviour. Frankly speaking I have suffered a lot and barely escaped toxic relationships, just even asking for a calm family life is big NO NO by Indian ladies, people especially ladies in India now a days are all rushing for career, money, publicity and men like me who still holds some traditional values have no where to go. I know it's not good to isolate, however, I do believe that is far better to remain sane and not to allow other people take advantage/use & throw me. Just like you, I do travel and go to nature when the inner turmoil and past traumas make me unstable. I have my mom only and my retirement plan has only 1 person in consideration - me.

@bikeman123 8 месяцев назад

6:35 'Banks uncomfortable with power of attorney older than 12 months'. That's frankly ridiculous, no one re-does their poa every year.

@noreenn6976 8 месяцев назад

Wonder what probate court would say about that?

@2legit2Kwit 8 месяцев назад

@@noreenn6976not that

@jamesdamon9876 8 месяцев назад

That’s a bank causing trouble because they don’t want to give up the funds because of greed.

@meskobe 7 месяцев назад

A solid attorney will provide you multiple unsigned copies of the POA (or obviously you can make them yourself). Then you can just execute a new one every 1-3 years. It is true that most financial institutions want them pretty fresh.

@joannacurran8475 8 месяцев назад

Another issue is the difference between those who have children/grandchildren. As a retired female I hate going to social events when even well educated people have nothing much else to talk about.

@heidikamrath1951 8 месяцев назад

Agreed! I make a brief appearance and then get the hell out. I value my time too much to spend it feigning interest in that stuff, lol. Most of the time I’d rather hang out with my dogs on a long walk, air pods in, listening to a book or a podcast. So much for a rich social life, eh?

@enjoystraveling 8 месяцев назад

@@heidikamrath1951 I like the rich social life, but talking about interesting topics, such as current events, learning foreign languages, different countries, to travel to, talking about science, etc.

@CampMore99 8 месяцев назад

Thank you for acknowledging we exist.

@NSPresbyterian 8 месяцев назад

Thank you for finally doing a single retiree video. Most of these I have already done, though I don't have a life alert account. Probably need one as I fell on my back deck years ago breaking my arm in 4 places and no one could hear me screaming for help. I would probably also suggest joining a church, which has deacons as well as helping hands to help the elderly. Personally, I only have 600k saved for retirement in 4 years and will only pull down 900 hundred per month in Social Security. My first thought is to end it once I run out of money. Maybe include Psych resources for seniors???

@jamesa9004 8 месяцев назад

That 10 year divorce rule makes me sick. My ex filed before 10, and dragged it out to past 10, so qualifies. We were married the first 10 years in my career, and now she can bank off of the hard work of the rest of my career, which she was either taking me to court, getting support, making life harder, or just had nothing to do with my work. It's such a scam to S.S. that frankly, OTHER tax payers are paying for this exploited clause in the modern day. Just Sick.

@scottjohnson1964 8 месяцев назад

There is a big difference between alone and lonely. I just retired and am about to set off on slow world travel. Alone.

@animal79thecat 8 месяцев назад

What a waste of money

@joannacurran8475 8 месяцев назад

I agree. Enjoy, spend your savings as you want. If we leave our money to others they will not appreciate the effort that went in to saving that money.

@marymedal8665 8 месяцев назад

Right there with you!

@garykinard7553 8 месяцев назад

Retired early, 55. Best thing I ever did as a single guy. And my finances increased as I traveled. Just go slow and enjoy the other countries and don't get in a hurry. And the women are soooooo much better. Just don't be stupid with your money and you will be fine. Learn to say NO to the sob stories.. All else will fall in place.

@RetireandGo 8 месяцев назад

Outstanding The world awaits :-) Keep us updated !

@jackieraulerson2005 7 месяцев назад

You forgot the best benefit of retiring single, just living your life and going home to find everything thing as you left it.

@donnas1802 8 месяцев назад

There are very few things greater than being single.

@MTXSHO9732vV8SHO 8 месяцев назад

Wow... an annual video about Singles or GenX (from anyone). On the Streets we used to use a term "Recognize the Game" (and I do). I'm 56, Black, 6'4" and spent my career working in Social Services and then High Tech communications. I can tell people don't like being around me and I am 100% fine with that. Why? "People" are broke, "People" have problems, "People" have jacked up norms and values, "People" have machinations and preconceived notions about 6'4" 290 pound Black Guys. What "Tribe"? "Backup"? I've had nowhere to fall since I was 9 year old. I'll be fine, I've had decades of practice.

@blktauna 8 месяцев назад

Right on Brother. May you achieve much and enjoy all of it.

@pamspencer5733 8 месяцев назад

You sound dreamy🤬

@swvolleyball9137 8 месяцев назад

😂😂😂😂 why are you posting your height?! Dude, really?! 🤮 You just can’t make this stuff up 😂😂😂😂

@nichollebraspennickx943 8 месяцев назад

Finally! A retirement presentation for singles… a thousand “Thank yous” - I’ve begged my employer for presentations where a single person is the default…

@johncarey3091 8 месяцев назад

Good stuff as usual. I am a widower of 4 yrs and just retired. A lot of the stuff you bring up rings so true.

@AshleySpeaks4U 7 месяцев назад

So, I'm a lone female and count on my neighbors. They can count on me too! 😊❤ I am one of four single women in a block radius. There are four single men within that too. We all help each other and socialize.

@pgpc6448 7 месяцев назад

This video hits me right at my heart! All truth, all worth watching. Thank you

@kimonharamis7812 8 месяцев назад

Single and retired at 57. Just did a solo trip to Europe and now headed to Philippines. The goal is to Die With zero which requires I spend about $12k per month. Happy Days. 😀😃😃

@garykinard7553 8 месяцев назад

Better be careful with that. Haha, you are definitely going to the right place to have a sweet gold digger take that 12K/month and put you in the poor house. I lived in Thailand, about the same. I saw so many guys with that attitude leave with their tail between their legs and broke... Or living on SS in a rented condo, while their ex Asian wife is living in the new home, driving their new car and motorcycle. But, Asia is a great place IMHO for a single guy.

@zoraster3749 8 месяцев назад

🍻 Don’t fall for the first pinay that you run into 😂

@heidikamrath1951 8 месяцев назад

That book “Die with Zero” is an eye-opener. I want to gift it to my friends and family. Love it!

@minoozolala 8 месяцев назад

Give to charity so you are prosperous in your next life.

@heidikamrath1951 8 месяцев назад

@@minoozolala Interesting logic. Giving to charity is your insurance payment for…?

@33Jenesis 8 месяцев назад

Life long single retired early. I can stay home for weeks months happy as a lark doing hobbies on my own. That said, I think I should have some contact with the world. I am friendly to neighbors. I have been singing with groups for years. Weekly rehearsals, afterglow, outings, all contribute to being social. I do think about being old and inferred. A 96 yr old neighbor had a younger friend (in her 70s) living with her. That friend took care of driving and daily chores for her until old lady passed away last year.

@GwenMotoGirl 8 месяцев назад

I’m single and will retire in 2-1/2 months. I’m grateful that my ex didn’t get half my retirement in our community property state. The divorce cost me a lot. He remarried briefly, then died. We were married 18 years, so I’ll draw on his SS and let mine increase until I’m full retirement age, then collect mine at the higher rate when I’m 67. I’m also grateful that I have insurance at no cost until I go on Medicare and then my insurance will be secondary.

@zanylady8508 8 месяцев назад

Thank you for the video for singles. Can you do a few more? And do you think less money is sufficient when single since some expenses will be less. Or not necessarily? What other things do we need to keep on our radar?

@dougmannie4149 5 месяцев назад

totally agree with isolation. No one ever told me about being alone 24/7. its mentally bruttle. I retired at 52. my health suffered. I went back to work after 3 years. I'm now 60 and retiring for sure but now I have a plan.

@karinhart489 8 месяцев назад

AARP of California has had a few podcast episodes this past year that cover the special preparation single seniors with no kids need to plan for.

@keemiel4005 8 месяцев назад

Thanks for sharing that.

@noreenn6976 8 месяцев назад

Thanks for letting us know

@heidikamrath1951 8 месяцев назад

Thank you!!

@coloradomark2159 8 месяцев назад

Any idea where I can find these podcasts? Looking over the AARP website and can't find anything. Thanks in advance.

@karinhart489 8 месяцев назад

@@coloradomark2159 in the podcast app try searching for: in clear terms or in clear terms with aarp california

@EmilyTienne 8 месяцев назад

Single is INFINITELY better. If you think it’s good to have kids to take care of you, forget that. They will call you a few times a year, and put you in an institution when they see fit. There’s a strong possibility they will not be by your bedside when you die.

@zoomzoom3950 8 месяцев назад

My kids are everything to me; don't care if they're at my bedside when I die or call me, I want them to live their own lives for themselves. I plan to transfer most of my wealth to them while I'm still alive, keeping only what I need for myself, and I plan to die alone on my sailboat doing what I love, let the seabirds and fish feed on my mortal remains. edit: if they want me to be part of their lives great, if not, great. so far they do.

@barbarafallin2038 8 месяцев назад

I love the single life ,retired 13 years ago, house paid for, no credit card debt and car paid off, kids are grown and on their own ,Lovin life with my friend, and he is single and has his own

@laurarozie 8 месяцев назад

Thank you for acknowledging that some of us are single!

@lauvonfr9222 8 месяцев назад

What a sad way to feel about not being married. Being single is not a disease.. Everyone isn't fortunate enough to have a partner they want to spend the rest of their life with. Life is what you make it not what society tells you.

@dwightbrown 8 месяцев назад

55 and the existential reality after marriages and dating (alot) is I'm wired for singlehood now. As most of us know, the most lonely existence for many was in a dying or dead relationship.

@spadgm 8 месяцев назад

100% agree

@Patriciacraig599 8 месяцев назад

Do you think it's a good time to consider selling some stocks and taking profits, or is it better to hold onto them for the long term? I’m considering rebalancing my $800K portfolios, I'm curious about strategies in response to this.

@BenjaminMcLeod815 8 месяцев назад

I guess it's important to reassess our investment strategies based on current market conditions. You should consider a market expert to guide you.

@user-3456rtu 8 месяцев назад

Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfolio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay financially secure for over five years, yielding nearly $1 million in returns on investments.

@Patriciacraig599 8 месяцев назад

Being heavily liquid, I'd rather not reinvent the wheel. Since this strategy works for you, how can I contact your advisor?

@user-3456rtu 8 месяцев назад

Nicole Desiree Simon is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

@Patriciacraig599 8 месяцев назад

I appreciate this share. I set up a call with her and I am keen on getting to talk to her particularly. Lady looks really great though even with the exams and other stuff.

@BREEZYM6015 7 месяцев назад

7 benefits single people will have in retirement: 1. Traveling when and where you want 2. Spending your money however you want. 3. Coming and going as you please. 4. Watching whatever TV show you want to watch. 5. More peace and quiet on a daily basis. 6. Quicker grocery shopping trips 7. Less stress. 😂 Can you tell that I may have had a bad one and only marriage based on my list?

@user-ku5vm5jb1h 7 месяцев назад

Making and keeping friends is hard bc most friends are married and they make decisions to move based on their family. So being single means you’re alone mostly. That’s why people get into relationships

@samanthathompson9812 6 месяцев назад

Agreed, I'm first in no one's life. All their families come first. If need a ride to the hospital and their kid has a ballgame, guess who loses. Understandable but painful.

@danspencer4235 8 месяцев назад

Lots of retired people find that moving to Latin America or Southeast Asia not only meets their social needs but also makes retirement funds go much further without financial anxiety. I am the happiest and most free I have ever been.

@samanthathompson9812 6 месяцев назад

Did you speak the language?

@Laura-rx9mp 8 месяцев назад

Oh dear all of my legal documents are about 10 years old. I suppose updating is necessary as a single woman. Thank you for the reminder!

@AstonM6 7 месяцев назад

Introvert here, divorced 40 years, debt free, ready to retire, will be spending more time with my dogs, and hobbies. Happy. I would really like to see more content for singles. My problem is I don't have a relative or friend for power of attorney. Who can I trust that I can appoint?

@zdcruz0514 8 месяцев назад

Being single is a choice, we just need to be prepared financially so as not to be a burden to anyone in the family especially when we're on our senior years. After my mother died last 2020 I've lived to be on my own. I am 61 and very much at peace. My passion of traveling is what I loved most. Likewise meeting people and having the time to talk anything under the sun over a cup of coffee gives me so much joy.

@Person-mh6xq 7 месяцев назад

No, it’s not always a choice.

@jjjackson5183 8 месяцев назад

My brother got my elderly mom a cell phone (her first) in 2008. He attsched a holder to her walker. She always had it in arm's reach. Brilliant.

@elianamckee 8 месяцев назад

Thank you for addressing our group!❤

@joeblakely5950 8 месяцев назад

I’m 70 and still doing my window cleaning business. Have an ongoing income to supplement social security and savings.

@Philippines888 Месяц назад

Can I get to know you then? I am still single, never been married and don’t have kids… you maybe need to have a filipina woman. :)

@tacmason 8 месяцев назад

After years of relationship building fails, and then it becomes necessary to Retire - Then what ? Relationships are just like Politics....Who can you trust with your money or your Vote !?

@BradZook 8 месяцев назад

Live-in, humanoid robots will be here to help take care of elderly singles sooner than most people think. I'm 52, single, and plan to get one in the next 5-7 years.

@alisonrichardson6056 7 месяцев назад

Greetings from South Africa. Such great advice about having someone to check in with - thanks!

@projectkj7643 8 месяцев назад

I just gave my notice to retire yesterday. The stocks took a dive and my anxiety went UP! My numbers are good but, still…😬😬😬 I’m making an appt to meet with a fee-based FA ASAP! Thank you, Azul!

@heidikamrath1951 8 месяцев назад

Ouch! I think reversing those things would have been a better plan: meet with the advisor first and then , if appropriate, give notice. Best of luck and sincere wishes for a long, healthy, happy retirement!

@projectkj7643 8 месяцев назад

@@heidikamrath1951 you are correct. I was doing my own thing and doing well but realized, after talking to others, I really needed to get professional advice. I can be better. Thank you. 🙂 On my way to work today, I was thinking, "What the heck have you done?!!" Then, I realized...I have incredible contacts/references and can go back to work, if needed. My house is worth 7x what I paid for it. I need to take the right steps - albeit out of order - and just work on knowing I'll be OK for a bit so I can enjoy the time. My mgr wants me to take a week to really think about leaving...I told her I would even though, I'm not changing my mind. Towanda!

@kwokweng76 8 месяцев назад

I like this topic, pls have more of such video 😮

@jackycane8238 8 месяцев назад

I believe that the most important factor is being close to family specially if you are not in good health. I am turning 68 and plan on retiring this month after exhausting over demanding 35 years career-job that left me with health issues. All my kids moved away and my close relatives passed away including my younger sister. I’m at a point in which social life is not a priority and I had been happily divorced for a long time. There is nothing that can bring me more joy than living close to the ones I love. Being the person that lived the longest in my family , and with financial stability, I plan on relocating across the country looking for a simple peaceful retirement even if it is not to the most tax advantage state.

@blueyzsf 7 месяцев назад

New Subscriber....just discovered your channel! This came up after viewed a channel I subscribe to, title spoke to me as I'm late 50's, single, and thinking about the future. Very good suggestions, lots to think about! 😁😁

@envyvicious 7 месяцев назад

Retiring in 977 days. Yes, I have a count down clock in my computer. I've been single all my life. I have one grown son. I'm good living alone. Financial advisor has my portfolio in great shape for me to maintain my lifestyle. There is no need for being around people when I don't want. I pick self check out to avoid cashiers, too. I prefer animals. At least they're trustworthy, unlike most humans.

@joethecomputerguy1 8 месяцев назад

Lots of good stuff with being single. But everyone should try being married at least once. One and done with me. I retired at 52 and never looked back. That was 7 years ago. Happy to say the ex still working. Life is good.

@santafilipina9020 8 месяцев назад

Just wish her well. You don't need to be nasty and bitter.

@joethecomputerguy1 8 месяцев назад

@@santafilipina9020 LOL.

@enjoystraveling 8 месяцев назад

Why should everyone try being married At least once,? what if we don’t want to? And divorce is usually very expensive. There are other things in life and not everybody finds their soulmate. They only find their perfect soulmate in a Hallmark movie. Ha ha

@joethecomputerguy1 8 месяцев назад

@@enjoystraveling Sarcasm. Everyone should experience that misery of marrying one person and divorcing someone TOTALLY different.

@Person-mh6xq 7 месяцев назад

What a weird thing to say that “everyone should try it at least once.” It’s not like going to a concert 🙄.

@georgesontag2192 8 месяцев назад

When you have a wife thats sleeping with her doctors, never home, lieing, complaining.......... you will be happy to be alone. My pets have never petitioned the court system to take the house and land using a quick claim deed.

@Nemo-yn1sp 8 месяцев назад

Being a single older woman I have been a mark here in Florida for unethical people, from car salesmen to home repairs (actually, destruction, as repairs were worse than the original problem in some instances).

@animal79thecat 8 месяцев назад

You've been marked as a mug😢

@Nemo-yn1sp 8 месяцев назад

@@animal79thecat New expression to me - what's a mug?

@animal79thecat 8 месяцев назад

@@Nemo-yn1sp a chump or fool

@garykinard7553 8 месяцев назад

I feel sorry for single women in the US. Even if they are well off it must be tough. Even if married and the man does not know how to screw in a lightbulb it is a very daunting task to keep your head above water. Homes in my neighborhood are all married folks that fall into the cannot screw a light bulb in. And, it keeps them broke and pretty sad IMHO. My problem is trying to keep my home in good shape and not standing out. Also now my neighbors know I am in pretty good shape because I travel so much and leave the house vacant. Kinda of a balancing act for me. I try to keep a very low profile and keep to myself here in the US. When I leave I let the good time roll... hahaha The last bull run has me in better shape that I have ever been in. So takin profits and keeping it quiet is a goal at this point. Odd how just a few months ago I was buying all I could digest in beaten down stocks. And was feeling kinda broke and alone. Now, my gosh. I am waiting for the next recession... hahaha. Now I am stuffing the cash in T-bills short term.

@Nemo-yn1sp 8 месяцев назад

@@garykinard7553 Me, too. I actually love bear markets, no shopping on green days. I'm planning to move to Mexico. Despise Florida with my whole heart and soul. Will live in my van before I grow feeble here.

@mariekatherine5238 8 месяцев назад

Wait! I’m semi-retired, still working part-time by choice, but isolation suits me just fine. I’ve always been single, am a real introvert, am content to be alone. I have only a little anxiety over finances. I’ve always lived at or below my means. No, I’m not interested in wearing a pendant on my neck. I keep my phone on me. As for someone to call, right now, I really don’t have anyone to call me every day. Once a week I chat with a friend my age who lives half way across the country. I have my will and healthcare stipulations with a lawyer, but have authorized my pastor to make health decisions for me. I want someone who shares the same moral and spiritual beliefs, not just an attorney.

@Kreuzauge 8 месяцев назад

My challenge is to remain thankful and grateful for the peace and serenity in my life as a single man.

@kathryncashner3294 7 месяцев назад

The challenge that single people will face is taxes. The cost of housing is approximately the same regardless of how many live in the house, but the single will be paying twice the income tax of a couple....thus reducing income available for housing or anything else. And many of us don't want a room mate. That also means that we are far more than double likely to go above the minimum medicare costs, have a higher percentage of our Social Security taxed, etc.