Countdown To Retirement The Essential Planning Guide

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What we wished we knew before retiring early, preparing for the best retirement we share our top ideas to help you achieve a healthy and seamless transition into retirement life.
It doesn't matter if you are retiring early or later we share tips on preparing for the next stage of your life. Practical tips that we have found out along our retirement journey of 7 years.
Five years before your planned retirement date, follow some of these ideas to help you have a healthy and wealthy retirement.
WE ARE NOT FINANCIAL OR INSURANCE ADVISORS, WE ARE NOT QUALIFIED TO GIVE FINANCIAL AND INSURANCE ADVICE, THIS VIDEO IS FOR INFORMATION AND ENTERTAINMENT PURPOSES ONLY. PLEASE SEEK OUT PROFESSIONAL FINANCIAL AND INSURANCE ADVICE BEFORE MAKING ANY INVESTMENT DECISIONS AND PURCHASING INSURANCE.
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Опубликовано:

30 июн 2024

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Комментарии : 377

@annewilson1490 2 года назад

Great video 😊 I am about 5 years away from retirement and I have started to gently pair down my belongings. I have started to shop my closet instead of running out to the high street to buy new clothes. Also, I have started to gently clean out my house. I think that de-cluttering my house will help me make any moves I have to make after retirement easier. Keep up the good work! 😊👍

@ThisIsOurRetirement 2 года назад

Thanks for sharing!! sounds like you are in great planning mode Anne thanks for watching and have a wonderful weekend Cheers 🌺🍷😎

@belindawilson8768 2 года назад

Speaking from experience Stuff can be a huge item to deal with. Pairing down items in a hurry during a transition is surprisingly emotional. Starting early and going slowly is very smart!

@ThisIsOurRetirement 2 года назад

@@belindawilson8768 Very true Belinda

@curious1366 2 года назад

I'm doing the same thing. Cleaning, clearing out, and donating! It's taking me longer than I want, but I'm definitely doing that.

@pamelaaffleck6127 2 года назад

I'll be retiring in 5 weeks and I think one important thing you left out is that people need to think about what they're retiring to. Five years is lots of time to develop hobbies and interests outside of work (for those who don't have them already) otherwise you'll end up like some retirees who are just sitting on their sofa watching TV all day.

@ThisIsOurRetirement 2 года назад

Great point Pamela thanks for sharing , congratulations 🥳 on your retirement 5 weeks will fly by we are too busy to sit on the sofa all day LOL 😂😂have a great weekend Cheers 🌺🍷😎

@BTom16 2 года назад

Congratulations, Pamela!

@alanwhitney3263 2 года назад

Since retirement I have had Covid and struggled healthwise! I do sit on my settee more than I should at the moment, hopefully things will improve.

@honnorjustice 2 года назад

That’s my struggle. I have lots of hobbies and things to do but not sure I want to anymore. Life has a way of changing best laid plans. I am upgrading with the idea that I can keep mentally active and still feel part of society through part time self employment. We have also decided to travel in North America and once more restrictions are lifted to other places while we still have the energy to do so.

@andrewstorm8240 2 года назад

Agree - find the retirement topics

@danhoward1416 2 года назад

Another great one - just dropped my wife 8 miles from her favorite store..lots of steps and the store will be closed when she gets there..money saver.. I yelled out the window as I dropped her off ..” Tina and Norm said it’s good for you”

@barbward4785 2 года назад

lol!!

@ThisIsOurRetirement 2 года назад

You are too Funny Dan LOL 😂😂have a wonderful weekend Cheers 🍷😎🌺

@stuffsuch518 2 года назад

Our laugh for the day.🙂

@fastwalker128 2 года назад

Thanks once again. I took on some of your recommendations quite by accident a few years ago. I park about 1 km away where from work where’s there’s free parking and walk the rest of the way. It also saves me $180 a month in parking fees. That money saved me several thousand dollars over the years. I also started resistance training (lifting weights) and taking up swimming again. I noticed I was gaining a bit around the waist. Now not always recommended for everyone, I also started intermittent fasting by skipping breakfast and sometimes combining my lunch with dinner and eliminating all snack food. That saves a lot of money in the process while allowing me to slim down my belly fat.

@ThisIsOurRetirement 2 года назад

That’s wonderful and will help you so much, congratulations! Have a nice weekend.

@lindadorman2869 2 года назад

My tip would be to prepare for retirement by "trying it on" beforehand. Many times, people imagine how great a certain lifestyle would be and then, when it happens, it's not what they wanted after all. And maybe to have a "Plan B" or a few other options in case things change.

@ThisIsOurRetirement 2 года назад

Great advice Linda thanks for sharing this. Enjoy your weekend.

@thegenxgamerr 2 года назад

My wife and I are 10-15 years out from retiring. This channel has been very helpful to see what regular (normal) people like us do and or did. Thanks for the good content.

@ThisIsOurRetirement 2 года назад

Thanks so much for watching we are happy to have you here.

@marygallagher7392 2 года назад

I am a big believer in the passive and not so passive income in the early years of retirement. Some of us need a transition period between full-time work and total retirement. Of course, volunteering is great, but working a side gig can be very rewarding. I retired 6 years ago just when Instacart was becoming popular. Did that job until COVID arrived and then stopped. Last year I started renting out a guest suite with its own entrance in our summer cottage. We have our privacy, host to many nice people, get to talk about our beautiful area AND get paid.

@ThisIsOurRetirement 2 года назад

Wow Mary what great ideas to keep busy really like renting out the guest suite guess you could meet people from all over the world 🌎 how fascinating have a wonderful weekend Cheers 🍷🌺😎

@theacase8738 2 года назад

Snagged an apartment ten minutes walk from my part time, retirement job. Your stories are a total inspiration. I am so looking forward to living myintentional life.

@ThisIsOurRetirement 2 года назад

Wonderful! so glad you are enjoying our videos Cheers 🍷🌺🙂

@nickt2159 2 года назад

Great program, as usual. Agree with all your suggestions. Additionally we downsized our home and belongings. We went from a large two story home to single story. (4k sq ft to 2k sq ft). We also gave away truckloads of personal belongings to Salvation Army and Goodwill. If it was an item we haven’t used in the past year, it’s gone. The one thing we wish we wouldn’t have done, five year’s pre retirement, was get a pet cat. She has made it impossible to travel. However our travel budget funds are still intact. We don’t feel deprived. We have been world travelers in our younger years. We are thoroughly enjoying our less hectic retirement lifestyle. New hobbies: hifi audio, apple products, wine connoisseur, whiskey taster/explorer, painting, relaxing with a good book.

@ThisIsOurRetirement 2 года назад

Great advice Nick, thanks for sharing. Yes getting a pet needs very careful consideration we are glad you mentioned it. Your life sounds full of interesting activities. Enjoy your weekend.

@debchalker6900 Год назад

Maybe you get a pet sitter or boarding. Maybe someone you know that is in college could potentially stay there. Just some ideas.

@MichaelB-gi4lt 2 года назад

Reduce or pretty much eliminate time on social media. Put the time into something more productive. I quit four years ago…best decision ever.

@ThisIsOurRetirement 2 года назад

Very interesting thanks for sharing Michael have a great weekend Cheers 🍷😎🌺

@youngrc212 2 года назад

You're spot on. Financial and physical fitness are 2 things that are very important to long term wellbeing, but they often get put off because they are not immediate priorities. We think that there will be time later, but the sooner we start, the better off we'll be.

@ThisIsOurRetirement 2 года назад

Thank you for your comment, putting things off is so easy, we have arrived at a place called now, no more putting things off for us. Thanks so much for watching our video, have a good weekend.

@bearders22 2 года назад

I applied for redundancy when I was 57 as I felt i needed a change of direction. I fully intended to continue working full time but when I started to manage my pension and investments, I realised that I didn't need to work. I officially retired when I turned 58 and I haven't regretted it at all. My point is that you need to have a good working knowledge of your pension (s) as this will give you greater understanding of your future finances. I "dismissed" my financial adviser and this saves me £7-£10k a year in fees. Let's just say you have your pension in 10 different funds - you already have 10 fund managers looking after your money! They get paid on performance so they have your best interests at heart.

@ThisIsOurRetirement 2 года назад

We agree you do need to understand your financial position, and yes fees for financial advisors can definitely add up 😱so glad you are enjoying your retirement have a wonderful weekend Cheers 🍷🌺😎

@msbeaverhausen7226 2 года назад

I love this video!! The one thing that I would add is for people with fur babies. Set money aside every payday in an account or a physical wallet for our pet's extreme medical needs. Veterinary medicine is expensive, regularly setting money aside is the best insurance. Don't get swindled into pet insurance when you can build a very healthy account on your own!!

@ThisIsOurRetirement 2 года назад

Great suggestion, thanks for sharing this.

@cainsd1 2 года назад

Great video and topic guys, We became debt free / mortgage free at 45 and now working on the 7 year count down where hopefully we plan to pull the trigger and retire to our new adventure. Agree with all your comments only yesterday we were decluttering the home ready for the easy transition. Fitness is a key element, I've always been active but never worried about what I ate. Now I'm starting to cut down on the sugar intake, given up alcohol since lockdown began and really focusing on the retiring to lifestyle( less things more experiences) we want to have. Keep the videos coming Tina & Norm they really are inspiring and create a reassurance that us and so many will benefit from.

@ThisIsOurRetirement 2 года назад

Sounds like you are doing all the right things , we didn’t declutter enough we should of been more brutal in what we were taking to the apartment which was our new adventure, have a great weekend Cheers 🍷😎🌺

@chrisr6157 2 года назад

All great tips!!! I'm 2 1/2 years away from retirement and excited for the next chapter in my life. I think being debt free and having good health is so important. My plan is to spend time doing the things that I have a passion for like art, painting some beautiful pictures. I want to travel with my dog in a van around the U.S.. I want to take a cruise to Alaska and meet new people. I have planned my retirement well and worked hard to keep myself healthy. I really enjoy educating myself on how to travel safely and with confidence. Thank you for this video and wisdom!

@ThisIsOurRetirement 2 года назад

Glad you enjoyed it Chris we hope you have a wonderful weekend Cheers 🌺🍷😎

@ProFitHearing 2 года назад

Thank you for sharing your plan. Very good advice!

@ThisIsOurRetirement 2 года назад

You are so welcome! have a great weekend Cheers 🍷😎🌺

@charmaineerskine 2 года назад

Awesome advice Tina & Norm! I wish you had your channel 20 years ago! Thanks for sharing! Have an awesome weekend! ❤️

@ThisIsOurRetirement 2 года назад

That is so kind Charmaine! Enjoy your weekend, it's a warm one here 30°c 💕

@RetiredLovingIt 2 года назад

Hindsight is always 20/20. Another great video Tina & Norm!

@ThisIsOurRetirement 2 года назад

Yes! Thank you! have a wonderful weekend guys Cheers 🍷🇺🇸🇨🇦😎

@user-ch2lp9er6p 2 года назад

Another solid bit of advice! Enjoy the weekend!

@ThisIsOurRetirement 2 года назад

Thanks, you too! thanks for watching Joyce Cheers 🍷🌺😎

@madaboutmadigan2710 2 года назад

Thanks for more great retirement advice from RU-vid's cutest couple!😍😍

@ThisIsOurRetirement 2 года назад

Thanks for watching! 💕

@candyboyer 2 года назад

I honestly think debt free is the number ONE best thing you can do. We are close to retirement, as soon as we sell our business. We have no credit card debt, other than gas cards which we pay off monthly (& save us 15 to 20c per gal at the pump!). Only payments we have are 1 for van & 1 for camper. And of course the usual monthly payments for insurances. Although retirement brings me apprehension, without big debts hanging over my head I feel we can work through anything else. Thanks for the video!

@ThisIsOurRetirement 2 года назад

That’s great Candy we wish you the best in selling your business so you can retire soon have a wonderful weekend Cheers 🍷🇺🇸🇨🇦😎🌺

@kansascitykid58 2 года назад

So practical and working on many aspects you discussed. Thank you!

@ThisIsOurRetirement 2 года назад

You're very welcome! have a wonderful week Cheers 🌺😎🍷

@CallieandJordanSquad 2 года назад

This was an awesome video love these discussions

@ThisIsOurRetirement 2 года назад

Thanks so much guys glad you enjoy them Cheers 🍷🌺😎

@landeeld9596 2 года назад

All those ideas are really key!

@ThisIsOurRetirement 2 года назад

We think they could be helpful, have a wonderful weekend Cheers 😎🍷🌺

@cathybildson-cardoso6485 2 года назад

Hi Tina and Norm another great video with great advice. My husband and I are planning to go from two vehicles to one sometime after retirement. Hope you had a wonderful weekend. Looking forward to your next video. 🌞🥂

@ThisIsOurRetirement 2 года назад

Thanks Cathy we had a lovely weekend hope you did too , we do just fine with one vehicle see you next week Cheers 🍷🌺😎

@bernadettec9569 2 года назад

Love the videos and appreciate the retirement and finance tips. I’m wondering when you may begin to travel again. Thanks for all you do! 😊

@ThisIsOurRetirement 2 года назад

Hi Bernadette thank you for your kind words, we are hoping for this winter to travel but have not booked anything yet. Maybe we are being too cautious, do you have travel plans? 😀😀

@bernadettec9569 2 года назад

Hello Norm and Tina. I returned today from a trip to Portugal, postponed from 2021 due to Covid. It was beautiful. The crowds are definitely back but many still wearing masks. In Portugal masks are a must in pharmacies, medical offices and all public transportation.

@christopherbarker976 2 года назад

Hi Tina & Norm good to see you again I’m going to mention this advice to my brother he is 7 years younger than me so thanks again for another good video . Regards Christopher Barker

@ThisIsOurRetirement 2 года назад

You are so welcome Christopher hope you brother finds it helpful have a wonderful weekend Cheers 🍷🌺🍺

@deancoder8356 2 года назад

Great advice! You hit all of the top categories that we would recommend and especially the health and reduction of processed foods. We did that three years ago and lost significant weight and feel much better.

@ThisIsOurRetirement 2 года назад

That’s great to hear Dean have a wonderful weekend Cheers 🍷🌺🍺

@sjwitts1 2 года назад

Hi Tina and Norm. Love our Saturday morning brain teasers. I think that exercise is such an important part of the health paradigm I also think Stress is as well. If there are things like debt or savings, or ,perhaps, negative events or people that need to be dealt wit before retirement, that would be perfect.

@ThisIsOurRetirement 2 года назад

You are so right Stephen, remove those sources of stress for a happier healthier retirement.

@carolnavan4137 2 года назад

4 yrs to go for me, so looking forward to it. Thanks for the tips and pointers 💖

@ThisIsOurRetirement 2 года назад

That’s great Carol hope our tips help you have a wonderful weekend Cheers 🍷🌺😎

@andreaainsworth1966 2 года назад

Great suggestions I'm super close to retirement. My smart watch was the best thing I brought.

@ThisIsOurRetirement 2 года назад

Totally agree! we love ours Andrea enjoy your weekend Cheers 🍷😎🌺

@warniu123 2 года назад

Excellent advice! I chanced upon your channel recently and have been binge watching them since. Some context: I’m in bed now, down with Covid-19. I have you two on my ipad, connected to a mobile speaker. Even though we’ve never met, it feels like having 2 good ol’ friends in my room having a chat about all kinds of useful retirement tips. I bet you never imagined your channel would provide comfort to someone down with Covid. That tip on eating healthy and incorporating exercise in one’s daily routine (park a little farther away and walk!) really resonated with me. Keep posting videos and stay healthy and safe!

@ThisIsOurRetirement 2 года назад

So sorry you have got Covid but we are really pleased we are helping you get through it and giving you ideas for when you are better we wish you a speedy recovery Cheers 😎🌺🍷

@gregorymcd944 2 года назад

Great tips! Thank you!

@ThisIsOurRetirement 2 года назад

Glad it was helpful!

@sherylpond2557 2 года назад

All great tips and I agree with all. One thing I wish I'd done is update my home a bit more. I already had a nice small rambler but now I need to do a few big projects. I can afford them but would rather have spent the funds traveling or on a newer car. Always enjoy your videos.

@ThisIsOurRetirement 2 года назад

Thanks for sharing! because we wanted to travel Sheryl and have no unexpected maintenance expenses of a home that’s why we sold and are renting a lovely two bedroom apartment . Have a great weekend Cheers 🍷🌺😎

@juliemarkham4332 2 года назад

Save, get healthy and stay mobile! Perfect advice!

@ThisIsOurRetirement 2 года назад

We think so ! glad you enjoyed it Julie have a wonderful weekend Cheers 🌺😎🍷

@garcia4062 2 года назад

Muy buenos consejos, muchas gracias!!!🤗

@ThisIsOurRetirement 2 года назад

Thanks so much 😀😀

@jimbertrand2499 2 года назад

Absolutely!! Health and eating is essential! Thank goodness we hear the truth here rather than marketing hype... Thanks for sharing.

@ThisIsOurRetirement 2 года назад

Your welcome Jim glad you enjoyed it have a wonderful weekend Cheers 🍷🌺😎

@clohanmom 2 года назад

I think learning how to cook for yourself is also important. It has a direct effect on the quality of health and lessens one's chance of running up credit card balance. Lets face it restaurants don't have to cook with patrons' health in mind and door dash is expensive to say the least.

@ThisIsOurRetirement 2 года назад

Wonderful tip thanks for sharing , we feel not only do we save money 💰 but the meals taste better too Cheers 🍷🌺😎

@StephenOshea 2 года назад

great video much appreciated

@ThisIsOurRetirement 2 года назад

Glad you enjoyed it

@GYX2021 2 года назад

Awesome advice! I just parked my car at Costco and this time I parked very far away from the entrance which is not crowded at all

@ThisIsOurRetirement 2 года назад

That is awesome! now Heidi you can work off the calories of what you buy in Costco LoL 😂😂have a great weekend Cheers 😎🍷🌺

@kristinpayne1825 2 года назад

I am visiting in the United Kingdom first in London and now in North Alderton which has been our base since 24 June. Love being here for the first time.

@ThisIsOurRetirement 2 года назад

Sounds great! we hope you have a great trip Cheers 🍷🇬🇧🇨🇦🙂

@deanpapadopoulos3314 2 года назад

Thank you Tina and Norm. To your excellent and useful presentation, I like to remind myself to keep my eye on the prize. And to avoid any war of words for the ultimate goal which is to begin my Freedom Years. And, finally that the last 15% of my work life is 90% of my trip. That finishing with dignity and without settling scores and without opening my mouth and getting myself fired requires my utmost attention and my focus so as to not ruin the paradise that I have planned and envision. Never burn any bridge as we cannot predict the future. Thank you both!!

@ThisIsOurRetirement 2 года назад

Thanks for watching Dean have a wonderful weekend Cheers 🍷😎🌺

@deanpapadopoulos3314 2 года назад

Thank you so much!! Wishing you both the same 😊😊🙏🏼

@jadwiga466 2 года назад

Hi Tina and Norm ! Plan to retire soon . Thanks for all advices you share with us. Hope we meet some day . Tomasz and Urszula from Guelph Ontario.

@ThisIsOurRetirement 2 года назад

Thanks Tomasz and Urszula we are glad you are both enjoying our videos have a great weekend Cheers 🍷🌺😎

@cindychilds9275 2 года назад

Be sure to track budget and know what you spend each month. As always love your channel!!!

@ThisIsOurRetirement 2 года назад

Thanks so much Cindy have a wonderful week Cheers 😎🌺🍷

@mothertreasa 2 года назад

I’m five years until retirement! Thanks for the video.

@ThisIsOurRetirement 2 года назад

That is awesome! have a great weekend Cheers 🍷😎🌺

@curious1366 2 года назад

The fitness idea is really a good idea. I got out of the exercise habit -- so now I'm trying to get back to that. I already try to eat well ..... most of the time, but there could be improvements there also.

@ThisIsOurRetirement 2 года назад

We think Adrienne there is room for improvement for us all LOL 😂😂 Cheers 🌺

@edubermudez 2 года назад

Nice job my dear couple, and have a happy weekend🍻😁👍

@ThisIsOurRetirement 2 года назад

Thank you! You too! stay safe and well Edu 🍷 🇪🇸 🍺🇨🇦😎

@vivianzeuch8949 2 года назад

Love your vídeos 😍

@ThisIsOurRetirement 2 года назад

Thanks so much Vivian we do appreciate your kind comment and your support watching our videos. Have a lovely weekend.

@rosierock8100 2 года назад

♥️ Hi Tina and Norm from Rosie and Keith....your friends in retirement!👍

@ThisIsOurRetirement 2 года назад

Hi Rosie and Keith hope your having a great weekend and thanks for stopping by Cheers 🍷😎🌺

@billyb5057 2 года назад

with the worldwide cost of living crisis some of us maybe pushed into retirement earlier than we planned good info guys hope we can enjoy retirement when it comes *thumbs up👍Au👀full viewed*

@ThisIsOurRetirement 2 года назад

Thanks for visiting Billy have a wonderful weekend Cheers 🇦🇺 🍷🇨🇦😎🌺

@paulafleming3889 2 года назад

We have a wonderful financial advisor who is helping us. Getting our house in order.

@ThisIsOurRetirement 2 года назад

Wonderful Paula

@carpediem-xs7pg 2 года назад

Excellent points.. Cheers! :-)

@ThisIsOurRetirement 2 года назад

Thanks for watching! have a great weekend Cheers 🍷🌺😎

@reneew8968 2 года назад

Thanks Tina and Norm for more good ideas. We enjoy watching your new video together each week. My partner has been retired for a year and I will retire in eight weeks. 😎After meeting our savings goals a couple years ago, we decreased our stock allocation to protect our savings and give us peace of mind.

@ThisIsOurRetirement 2 года назад

That sounds great we wish you a wonderful retirement Renee and a great time together Cheers 🍷😎🌺

@lighten851 2 года назад

I went red meat free. I’d been thinking about it for years and only miss sliders. Love my biking,kayaking. Take care.

@ThisIsOurRetirement 2 года назад

Sounds very healthy thanks for sharing Cheers 🍷🚴🛶🍺

@nrs6956 2 года назад

"Health and fitness" concerns are are invaluable as you age. They are along with some sort of financial planning are essential. Thank you.

@ThisIsOurRetirement 2 года назад

You are very welcome enjoy your weekend Cheers 🍷😎🌺

@IamaDutch-Kiwi 2 года назад

It all makes sense...and I can honestly say that I can ✅ lots of boxes. We recently talked with two friends who are heading for retirement. It's not the financial issues with them which make them hesitant, but the BIG BLACK HOLE they fear. So we've explained how that hole looks once the time is there to retire. It shines a glowing light allowing one to grown, to enjoy and the relax a bit more. No more rushing to the boss, short cutting chores, visits to family and friends or holidays and extends 'play time' to enjoy the fruits of their labor. We hope they are a bit more confident and will keep an eye on them 😂! Thanks for my Sunday morning breakfast session. Have a wonderful Sunday and a GREAT week ahead. 😎 🍷 🎉 🇳🇿 🙋‍♀️ 🇳🇱

@ThisIsOurRetirement 2 года назад

Great comment Anita thanks for sharing we agree it’s the fear of retirement that’s scares others and the fear is worse than it actually is . Once there you discover that life takes on a brand new chapter of life and it’s wonderful. Thanks for watching have a lovely Sunday cheers 🍷🇳🇱🌺😎🇨🇦🤗

@SC-fk9nc 2 года назад

Following accurately (using a spreadsheet) where one's spending goes daily is very useful. That way one knows how much money is required yearly for different aspects of living (e.g. mortgage, insurances, utilities, hobbies, food, vet bills, etc.). I am completing my second year of this strategy and am ready to retire this August peace of mind knowing that I will be comfortable and not worry about ending up living under a bridge (unless the interest rates keep going up and through the roof. Then here comes the bridge to share with a small communitiy. 😄)

@ThisIsOurRetirement 2 года назад

Sounds like a like a great plan and we wish you a great retirement in August have a wonderful weekend Cheers 🍷😎🌺

@Northern_Squirrel 2 года назад

Love your videos, also a subscriber. It’s our tradition to watch your new video while having lunch every Saturdays. My wife gets mad at me if started the video while she is not with me😀

@ThisIsOurRetirement 2 года назад

That’s wonderful and we eat lunch and read your comments on Saturday and don’t start the video without your wife!! She will get mad 😂😂 Have a nice weekend and thanks for being a subscriber we appreciate it.

@Northern_Squirrel 2 года назад

We are getting close to retirement and a bit nervous. Fortunately my wife and I have defined benefits pensions that pay about 33% of our gross income . My DB matured and I am able to retire anytime but there will be a 3% per year deduction if I start retirement before the age of 60. We also have some RRSP and building a cash portfolio to receive 10-15K of eligible dividends per year from Canadian blue chip companies. We already started building this portfolio primarily with financial, utilities, telecom and some pipelines stocks since they pay on average 4-4.5% yield and we get preferential tax treatment. Number of your precious videos inspired us and we believe we are in good shape financially. Can’t comment on health in retirement as life can always throw us a curveball and no money can fix health. Once again, thanks for the great contents and cheers. Perhaps we could run into you in Portugal one day. Have a great summer.

@ThisIsOurRetirement 2 года назад

@@Northern_Squirrel Thanks for a great comment yes we can take care of the finances but the health is so unknown as we don’t have a crystal ball 🔮 have a lovely weekend Cheers 🍷😎🌺

@pensacola321 2 года назад

Yes , it's that time of year. Time for picnics, outdoor concerts and the beloved SUMMER RERUNS.☺ Stay well, guys.

@ThisIsOurRetirement 2 года назад

Sounds wonderful and time at the trailer 🙂Cheers 🍷🌺😎🍺

@claytonspann8032 2 года назад

Hi Norm, Hi Tina; 5 years out, I was focused on two main items; health (getting in shape) and reviewing the things I was going to retire into (clubs, hobbies, events). About a year our I started testing the waters on some social clubs. This worked well as I had a sense for what I liked, did not like to help fill some of my social space. Finance was a focus much much earlier, 5 years out was mainly refining my balances to ensure I had enough low risk funds to handle the turbulent market times. Looking forward to you next video, thanks for all that you do.

@ThisIsOurRetirement 2 года назад

Thanks for watching Clayton sounds like you have it all under control have a wonderful weekend Cheers 🌺😎🍷

@claytonspann8032 2 года назад

@@ThisIsOurRetirement Kind words, while I did good planning, I’m still doing a lot of adjusting in retirement. Which is ok since even the best laid out battle plans fail to survive 1st contact. This is why your channel is so valuable, it provides great insight for issues I have not thought about.

@ThisIsOurRetirement 2 года назад

@@claytonspann8032 Thanks so much Clayton we appreciate your support Cheers 🍷🌺😎

@fitz_trailon 2 года назад

totally look forward to your new video every saturday. could you please provide some more info about setting up a stock photography passive income stream?

@ThisIsOurRetirement 2 года назад

The reason we don’t is as it’s off topic and our Granddaughter told us stay on topic ! have a great week Cheers 🌺🍷😎

@edwardthomas1794 2 года назад

All great tips. Being debt free is the most important tip of all. My wife and I have no credit cards and our vehicle is paid off. The next is the house. We will have it paid of before I retire. Health is second. I would say it’s 1B. There are a lot of great exercise channels on RU-vid. Sean Vigue has a great one. Especially for men. Eric Daw has a great one for seniors. I’ve been using these workouts for the last several years and I’m in better shape at 56 than I was at 36. It doesn’t matter how much money you make. If you’re spending to much or in poor health that you can’t enjoy your retirement then all your hard work would be a waste.

@ThisIsOurRetirement 2 года назад

Thank you Edward for a great comment you can lots of money 💰 but if you don’t have the health you can’t enjoy it thanks for sharing Cheers 🍷🌺😎

@theacase8738 2 года назад

My co-op has a van. Members volunteer to drive. Some people here have given up their automobiles and are happy to get a lift through our van service. It is included in our HOA fees. Not too bad.

@ThisIsOurRetirement 2 года назад

That sounds great Cheers 🍷🌺😎

@darrylmcleman6456 2 года назад

Good to have hobbies!

@ThisIsOurRetirement 2 года назад

Absolutely! have a great weekend Darryl Cheers 🌺😎🍺

@kevin2479 2 года назад

You two look lovely. Love your smiles

@ThisIsOurRetirement 2 года назад

Thanks so much Kevin have a wonderful weekend Cheers 🍷🌺😎

@essanjay8604 2 года назад

Health should probably be our number one priority coz unless you keep your health and mobility you're stuffed however much money you've amassed.

@ThisIsOurRetirement 2 года назад

That pretty much says it all ! have a great weekend Cheers 🍷😎🌺

@PlanetImo 2 года назад

IB's got a smart watch, but which ever brand he gets, he gets a blister where the little light shines on the skin.

@ThisIsOurRetirement 2 года назад

Yikes 😱 not good haven’t heard of that , not sure what the answer is to that 🤔Cheers 🍷🌺😎

@foxlake6750 2 года назад

For us, it was having expensive dental work and medical procedures done, while we were still covered by company benefits.

@ThisIsOurRetirement 2 года назад

Great idea thanks for sharing Cheers 🍷🌺😎

@stevewilson5292 2 года назад

04:21 "Do you really need these two cars ? Thanks a lot, Tina ! That just re-ignited the argument I'm having with the missus. We have a low-mileage 14-year-old second car. It runs fine, there's no maintenance. We couldn't get anything for it. It's an economical back-up, but Madam wants to get rid of it - just to simplify things. [Sigh] I'm going to have to secretly pre-screen these Saturday offerings before we watch them together !

@ThisIsOurRetirement 2 года назад

That is too funny Steve LOL 😂😂your wife seems very sensible on Tinas side have a great weekend Cheers 🍷😎🌺

@glennet9613 2 года назад

Very good advice, almost exactly what we did, but I would add becoming well informed about finances. My wife retired a few months before me and she spent weeks of full time studying and chasing information. Also think hard if you have forgotten pension entitlements or similar from previous jobs. The best investment we ever made was paying the missing year contributions for our British government pension (we emigrated to Australia many years before). Health, we bought cheap bikes when we were fifty and really unfit, short day rides turned into spending all our holidays touring with panniers, we still go for a ride in the hills just about every day (I'm 77) and we are both in excellent health with none of the aches and pains most old people complain about. Cycling is also cheap so it helps with the finances.

@ThisIsOurRetirement 2 года назад

If you have enough time adding those missing contributions is a great idea , Cycling 🚴‍♀️ sounds a great way to keep fit have a wonderful weekend Cheers 🍷🇦🇺🇨🇦🌺😎

@gregmurphygolf 2 года назад

You are spot on with respect to health. do stay away from foods that have little to no nutritional value but have high caloric content those things spell death to retirement. most smart phones have health programs as well to monitor your activities and calories consumed and burned. If you are nearing retirement do make health a priority, it makes the day-to-day life way more enjoyable in retirement. Do learn how to prepare food, it is also a great way to enjoy life. No one can guarantee that one will live longer, life is long as it is, but you can enjoy every moment it has to offer. Poor lifestyle choices will end that dream in a heart beat, literally. Cheers and enjoy!

@ThisIsOurRetirement 2 года назад

We agree Greg it’s important to make health a priority as we don’t have a crystal ball 🔮 to know what the future will bring Cheers 🌺🥂

@lindafirth1562 2 года назад

Good subject to tackle and loads of useful tips. Do you think kids should learn about retirement before they leave school and enter into the world of work? I was told the soon you start regular saving, the more compound interest and less worry you'll have further down the line. How would inflation and interest rates kick into your savings plan? Most companies offer a pre-retirement course in the year before you retire - is this far too late? Love you two - half way to reaching that 100,000 mark already!! Well done. x

@ThisIsOurRetirement 2 года назад

That’s interesting Linda we always wondered why at high school they don’t teach kids about finance , banking saving and just managing money . A course a year before retiring personally we think is too late , your nearly there so you have so much to think about it’s almost wasted perhaps three years would be better although we had no courses or anyone to ask 🤔. Have a great weekend Cheers 🍷😎🌺

@gabrielng05 2 года назад

Great advice!

@ThisIsOurRetirement 2 года назад

Glad you think so!

@tonysomewhere5920 2 года назад

Just dapper you two... Great information for prospective retirees. I paid attention to my retirement throughout my life time and as a result I made sure to have no mortgage. The only thing I did not manage, yet, is to not have a credit card payment. I guess is because i have a credit card with a 7.9% for over 25 years. Hard to believe it right? Here is the states, I had 401K savings program which was a free money type situation. I don't know what Canada has for its residents. In the 80's I was getting 100% match with a brewery in Detroit. After coming to FL to work for an insurance company I got a 75% match which few years later was changed to 50%. Everyone that works for a company that have this plan should participate in it as the savings grows fast. As far as the health, I did not do too much about it because I never gained much weight which vacillated between 140 to 160 lbs. I never liked exercises but now I do walk 30 minutes per day to help the ticker. I did always eat well during my lifetime and continue doing so. I do enjoy any type of food except liver 🤐. As always, I enjoyed your video. Have a great Sunday. Cheers. 🍷

@ThisIsOurRetirement 2 года назад

Thanks for sharing Tony we too walk we try to do at least an hour most days , yesterday we saw two Herons and Baby Canada Geese on our walk . Hope you are well have a great weekend Cheers 🍷🇺🇸🇨🇦😎

@honnorjustice 2 года назад

You covered all the issues well. With our portfolio dropping due to inflation our financial planner advised us to use our house as security to access money during our retirement to allow us the freedom to make decisions and lifestyle changes should the need arise. It doesn’t mean you have to use it but it’s accessible at a lower interest rate. I don’t think there are reverse mortgages in Canada. This is something we’ve been talking about lately. Not sure I like the idea of having a lien on our property. It does allow more financial freedom, independence, and ability to age in place. There is lots to think about before retirement. We are downsizing but don’t plan to sell our house. That may happen in the future but for now it is low cost living. We live in an idyllic setting in the country. What we have also found is our energy levels drop and sleep diminishes as we age. Another reason to keep active.

@ThisIsOurRetirement 2 года назад

Thanks for sharing your plans have a great weekend Cheers 🍷🌺😎

@ScubaSteveCanada 2 года назад

Good video. To add to your points ... Keep a spreadsheet and enter in every single expense each day. Track it on a monthly basis - this is your actual lifestyle cost, pre-retirement. Want to maintain that lifestyle once you retire? Now you know how much it costs well ahead of time. In my case, I knew I had enough of air travel and wouldn't be flying to different countries. However I factored in "snowbirding" to the U.S. South East and calculated it would be cost neutral versus spending the winter in Canada. i.e. spend more on gasoline, spend less on heating as one example. I do passive income via investing. Cheers, Steve

@ThisIsOurRetirement 2 года назад

Great comment Stephen, our only issue this coming winter is snowbird rents have rocketed in the Southern U.S. Thanks for adding to the conversion have a good weekend.

@hollyfagan8201 2 года назад

🎵Back in Black😁. Love your videos. Tina , u look nice today. Norm - always fun, esp when looking at Tina with loving 👀s

@ThisIsOurRetirement 2 года назад

Thanks Holly that is very kind and a nice AC DC reference Have a great weekend! 😂😂

@hollyfagan8201 2 года назад

Norm, I kno u like your Rock bands (& tee shirts) 😊

@ThisIsOurRetirement 2 года назад

@@hollyfagan8201 Yes he does Cheers 🍷🎸😎

@pilotrtc 2 года назад

When I tried to lose weight by counting calories and then trying to burn them off, I never kept off the weight. I then researched options and learned about insulin resistance being a factor in some people's weight issues. I have now lost and kept off 40lbs for the past 2 1/2 years easily by following a better way to eat for my body.

@ThisIsOurRetirement 2 года назад

That sounds wonderful thanks for sharing Cheers 🌺😎🍷

@curious1366 2 года назад

I'm within the 5 year time point (or less!). I have been trying to "live on less". I don't pay for cable TV and I switched to a cheaper phone plan. I used to hire people to help me around the house..... now I wait until I can get to it myself. Renting out a room is the next step to cut down, but I'm not ready for that yet. For now I'm trying to enjoy my things and my space--- until it's time to get rid of more things and cut down on the square footage.

@ThisIsOurRetirement 2 года назад

Sounds great we have Majic Jack for our phone , great idea renting a room out Cheers 🍷🌺😎

@jasonstupak4535 2 года назад

I just come for the accent. Watched and liked, thanks!

@ThisIsOurRetirement 2 года назад

Awesome! Thank you!

@jimwulstan8592 2 года назад

Here in Wgtn if it’s Sunday it must be Tina & Norm. Seven years retired - you and me both, 8,000 steps a day - you and me both. The latest iPhone does everything your smart watches do. 5 years out is a bit too late in saving for retirement. Your routines video was a good one, coffee at 10 am, a glass of wine in the evenings, booking holidays well in advance so enjoying the anticipation of travel. Having something to look forward to gives a great psychological boost. Happy days!!

@ThisIsOurRetirement 2 года назад

Wow that’s awesome Jim we are so glad to have you join us on Sundays 🇳🇿 we had a great day in Wellington on our cruise 🚢 in 2016 glad you are enjoying our videos have a wonderful weekend Cheers 🍷🇳🇿🇨🇦😎

@jimwulstan8592 2 года назад

It’s a lovely sunny Sunday here today. Make hay while the sun shines. Cheers

@ThisIsOurRetirement 2 года назад

@@jimwulstan8592 Wonderful 🍷

@paularoberts2129 2 года назад

Hi both You both look lovely in your black red carpet worthy Your necklace sets off your outfit Tina I love jewellery I totally agree that no debt in retirement it’s the only way Good video as always See you next week Take care sending lots of love xx❤️❤️❤️❤️

@ThisIsOurRetirement 2 года назад

Thanks Paula we agree debt free certainly helps with less stress , hope you are keeping well and enjoying a nice weekend Cheers 🍷🇬🇧🇨🇦🌺😎

@paularoberts2129 2 года назад

Thanks Tina Yes all ok here weather very windy in the uk in Wales this weekend Hope all ok with you xx❤️❤️❤️❤️

@johnparsons3454 2 года назад

I got one of these watches. They work really well. Only glitch is watch band caused skin irritation so had had buy $50 watch band.

@ThisIsOurRetirement 2 года назад

Norm got an Archer brand strap from Amazon, very comfortable and no skin issues

@ThisIsOurRetirement 2 года назад

We have heard that some people do buy different straps , but it is still a good way John to stay healthy Cheers 🌺🍷😎

@richardpodnar5039 2 года назад

You both look stunning in basic black!

@ThisIsOurRetirement 2 года назад

Thanks Richard hope you are having a wonderful weekend Cheers 🍷🇺🇸🇨🇦😎

@mjax8614 2 года назад

In answer to your question about what advice I would give.....probably very similar to you. I got fitter, had a plan, started going to the reduced shelf for meal ideas, then my partner died before retirement happened. So I retired alone, and eventually found a part-time job (probably the only part of the retirement plan I achieved, but in the original plan it was only going to be as a challenge and short-term as I had a job with a relatively early retirement age). Now I juggle work, "having a life" and responsibilities, and don't have time for all my responsibilities. It's hard and not the retirement I planned.

@ThisIsOurRetirement 2 года назад

We are so sorry your plans didn’t work out as planned and we wish you well and all the best 🌺🌺

@murraytown4 2 года назад

For those fortunate enough to have a DB pension plan, it’s important to max it out while still working. It’s risk free money indexed to inflation - more or less - forever. This includes buying back any prior eligible service. You can then retire earlier or give your pension a boost.

@ThisIsOurRetirement 2 года назад

Yes Murray anything to maximize a defined benefit pension would pay dividends. It’s such a shame the DB is going the way of the dinosaur available to fewer people these days.

@suzanne296 2 года назад

I don't have a plan of activities planned for retirement. That is why I'm still working along with turning 60 in August. My plan is to re evaluate at 65. A fan from Illinois .

@ThisIsOurRetirement 2 года назад

What we found Suzanne when we took early retirement Norm was 60 Tina 58 those first 5 years of retirement were wonderful we had the stamina , health and energy to travel it was so exciting ,we feel you can’t buy time back . Maybe just think 🤔 about that have a wonderful weekend Cheers 🍷🇺🇸🇨🇦😎

@suzanne296 2 года назад

Agree

@carolc4173 2 года назад

I think getting debt-free is a wonderful suggestion. I just bought a new car and I'm realizing that is probably going to delay my retirement a bit until I get it paid off. Sometimes it is necessary, and that is a choice we need to make. Your terminology is a bit different than what I'm used to about savings plans (401k) but no matter where you stash the cash - that's always a good idea as well. Thanks for your honest and practical recommendations.

@ThisIsOurRetirement 2 года назад

Thanks for sharing your plans Carol glad you are enjoying our videos Cheers 🍷🇺🇸🇨🇦😎

@fornow5325 Год назад

Your videos are my favourite-so much important and useful information sincerely shared with us all. You radiate positivity and optimism! We are a year away from the big day, and are still lost where to start. When did you start planning. When did you start looking for an apartment? Did you sell your house when on retirement or before? How did you plan your monthly expenses and were your expectations justified? Thanks again for your videos

@ThisIsOurRetirement Год назад

We always knew we would sell our house to retire, we had no company pensions. We started planning two years before we sold and moved. We made a budget of what it cost to live in a mortgage free home and then another to live in a rental apartment. Thanks for watching our videos we really appreciate it.

@stevecooper3579 2 года назад

thanks

@ThisIsOurRetirement 2 года назад

You're welcome!

@BarbOConnell 2 года назад

I would appreciate it if you could review your smart watches and compare to others you didn't choose and why. I think your perspective on using them in retirement is something I don't see in other reviews but I'm very interested in. Thank you in advance for considering this request!

@ThisIsOurRetirement 2 года назад

Thanks for the suggestion Barb ⌚️ hope you are enjoying a great weekend Cheers 🍷🌺😎

@dt8787 2 года назад

As usual, great video. Really enjoy our weekly chats. I wondered if you had any advice on where to invest short term conservative funds? Term deposits are currently earning less than inflation.

@ThisIsOurRetirement 2 года назад

Thanks so much for watching, as we aren’t Financial advisors we can’t advise you on this but would recommend you talk to a professional advisor. Cheers 😎🍷🌺

@stellagirl4552 2 года назад

I know you mentioned health but I think seeing the dentist and making sure your teeth are in tip top shape is important. It will allow you to use the benefits you have at work to fix anything advance.

@ThisIsOurRetirement 2 года назад

Great idea Stella get it done while you can ! have a great week Cheers 🌺😎🍷

@varlan 2 года назад

Looking good, you two. 🙂

@ThisIsOurRetirement 2 года назад

Thank you 😁 hope you are enjoying your summer out East Cheers 🍷🌺😎

@varlan 2 года назад

@@ThisIsOurRetirement it’s been absolutely lovely! :)

@AndyCColeman 2 года назад

Thanks so much Tina and Norm. Another great video. We are one month away from retirement. Would love to hear any advice for a 1 month away and first weeks of retirement time frame. One thing we were most concerned about going into retirement was: "can we afford to retire". For us, the only way to be sure was to track all our expenses. We have done that for the past 6 months and know were every single penny went. Its painful to do, but gives you so much confidence about what you'll need. Then we extrapolated those costs to what we'd need in retirement, with the main difference being the cost of insurance. We met with an insurance broker and have signed up for the new insurance. I work one more month and will have 1 month where I'm paying for the work insurance as well as medicare/supplement (we live in Texas so this is U.S. insurance we are talking about). But, lots of piece of mind knowing there isn't a lapse in insurance. Tracking every expense (my wife is lead on this, I'm lead on investments) and then meeting a couple of times a month to go over where the money is going just naturally causes you to spend less. We are still doing all the things we really want to do. Although, after tracking, we rarely eat out now (doordash and grubhub had previously been on speed dial) and we are healthier and saving so much money. I like your health/fitness suggestions. And, eliminating debt is so freeing also. Passive income we are definitely doing. Current strategy is to get more dividend stocks/funds. I really liked your previous videos where you discussed dividend producing stocks. Would welcome another one in that area. Even with the market out of control, the dividends are something you can count on. Investing is one of my main hobbies and I'm looking forward to more time for that in retirement. Sorry, for the long reply. Thanks so much for the video. We normally watch these 2 times since you impart so much good info. Thanks!

@johnristheanswer 2 года назад

You can't " count on dividends " - an easy mistake to make. Not being picky. Just a thought.

@ThisIsOurRetirement 2 года назад

If you have Aristocrat Dividend stocks they are more likely to be able to count on those dividends but as with anything in life there no certainty (just one) 😀😀

@ThisIsOurRetirement 2 года назад

Hi Andy, You are really doing everything right, congratulations and it’s great you are both active in money management. Knowing where money is being spent gives you insight into whether you want to buy those products and services. With dividends don’t chase the high % dividend stocks they will cut them when the going gets tough, look at AT&T. Have a great weekend.

@AndyCColeman 2 года назад

@@johnristheanswer - true you can't always "count on dividends". However I have mitigation plans in place. I follow the bucket approch for investing for retirement. Bucket 1 is money outside the market in cash. I have 4-6 years in cash here. I will pull from this as needed because I do not want sequence of returns to be an issue. Bucket 2 is my dividend stocks. If things go well, I pull from there. If not, I just let it ride and adjust. Then I have in bucket 3 my fun investments where I investment in more unpredictable stocks and funds. Some people have a bucket 4 approach but that doesn't seem to work for me. But, I'm always adjusting.

@johnristheanswer 2 года назад

@@AndyCColeman Sounds like a good plan. Best of luck.

@ddavidson5 2 года назад

All good stuff though I thought that the most important thing about getting ready retirement isn't financial but rather the "What am I going to do now?" aspect of retirement. There's not much out there in the literature about that but if you look you'll find them. That said, on retirement financials the best book I have ever read on the subject (and I have read a lot of them) was Retirement Income for Life: Getting More without Saving More by Frederick Vettese. Just a suggestion for reading.

@ThisIsOurRetirement 2 года назад

Thanks so much for the book suggestion, retirement has so many questions before the event. Certainly what am I going to do is a big one. Have a great weekend, good to hear from you again.

@paulhunter6652 2 года назад

Hi Norm and Tina: We have been decluttering to make our future move to an apartment easier and have made $5000 recently. Plus during the pandemic I sold quite a number of items for cash. We believe a second car is worthwhile in our case at least for the time being. I have a 2019 that we bought before the pandemic started. Under 10,000km and no payments. Only expense is gas and insurance and it is a good back-up just in case with the vehicle shortage. Take care. See you next week! Cheers

@ThisIsOurRetirement 2 года назад

Hello Paul, You have been very industrious in converting stuff to cash congratulations, we found it a very freeing process as the stuff left the house. Your car sounds like great value and there are still supply shortages in the car world so a good move to keep hold of it. We do appreciate you watching our video, see you next Saturday, enjoy your weekend!

@jfk5402 2 года назад

If your second car is not really needed, you could sell it for a good price right now because of a general shortage of used cars. You could buy another one if really needed a yr or two from today when supply catches up. Of course if you don’t need the money then no need to go through the hassle. Just a thought….

@ThisIsOurRetirement 2 года назад

@@jfk5402 Interesting thought we haven’t had two cars 🚗 for over 4 years and don’t miss it abit . Life is just great with one car and most of the time we travel together anyway LOL 😂😂

@paulhunter6652 2 года назад

@@jfk5402 keeping it for now. We have considered all scenarios. Cheers

@KeepItMowed 2 года назад

I agree 💯 percent! As I look at retirement, I'm thinking alit about health and the cost of health during retirement. Passive income is a wonderful tool for everyone in retirement, even if you think you have plenty saved. If your passive income starts producing retirement, you can save and invest it as well. You will be happy with that extra income no matter how much it is, $20 or $2,000. You can never have to much security. Another lovely video from our lovely Canadian friends. 🍻

@ThisIsOurRetirement 2 года назад

Thanks so much for watching and sharing we hope you have a wonderful weekend Cheers 🍷🇺🇸🇨🇦😎