I Think We Need to Let the Idea of RETIREMENT Die…So We Can Live. 

I'm 72. My advice. Ease into it. Start downsizing early. Get your debt down, way down. Debt is what will bury you.

I am fortunate to be US Army retired. I did 23 years and retired in 2015. Single, no kids. I was working a job that had 12-hour shifts, paid well. It was a beautiful day, I was looking out the window at work and asked myself, "Jim, what are you doing?" I crunched the numbers with my pension and investment income and realized I can live comfortably on it. So, I quit! I am now living!! Travel and doing what I want. The heck with impressing the world and this "high value man" crap. I load up my pick-up truck and go. I am 51 and in great health. Let's do it now while we can!

I retired a few months ago at 63.5 years old. I worked at a large Telecom company for 20 years and and have a small pension from it. I also collect Social security. I knew it would not be enough to continue my lifestyle, so I sold my house, new truck, motorcycle , boat. All of these things were just becoming a financial burden. Now I moved with my wife to the coast of Ecuador. I bought a peice of land and am building a house, all cash. That is how I got out of the rat race.

You don’t need a million dollars for retirement. That’s a major false narrative that keeps more people chained to working much longer. The key is to embrace living on less.

One of the biggest concerns for folks who want to ditch the corporate hamster wheel is health insurance, and in my humble opinion, tying health insurance to full-time employment is a major contributor to holding us hostage.

27. Pulled mine, took the hit. Bought land, cabin that’s paid for. 100% off the grid. No bills. That’s rich.

I've said it once, and I'll say it again--The world is a better place with you in it. 💜

I had 2 co workers that insisted that they were going to work until they were 65, so they could get full Social Security benefits. Both of them died . One died at 63 and the other 4 months after turning 65. Me? I took retirement at 62. I live as a low income person, but it doesn't feel like it. I get to travel, when I want to., go to festivals, concerts, and indulge in my hobbies.

"I want to fund my lifestyle until I don't have a life to style." I love it! I am using that one.

My mom worked so hard to raise 6 kids on her own. When the youngest turned 18 I asked her to retire. She stayed out of debt so she was able to retire in her early 50s. She lives stress free. She's involved in missionary work with her church. We all pitch in when she wants to travel. I'm so happy to see my mom stress free. Thank you Jesus. I hope to take her to Machu Picchu Peru 🇵🇪 next year. 🙏. Enjoying you "Golden Years" is an American to enslave us in the corporate world. How about we enjoy 😉 life while we are young & healthy. Lets enjoy & appreciate the fact that we are alive & have food.

If many Embraced this way of life... there would be so many happier people...with lower blood pressure and stress!

My biggest concern is retiring into a bear market. With $500k in savings, I'm afraid that if my portfolio returns are low, a long retirement won't be possible. My fund could deplete from expenses faster than it can recover with returns

Bro I am leaving Monday on a 4-month trip all the way up to yosemite. I got a motorhome and my truck and I'm finally retiring at 50

I am retired, but as a 67 year old woman, I'm right with you! Who knows what tomorrow looks like? I'm okay living on less and enjoying my life NOW. When I finally said goodbye to my job I felt free. I may work again, still trips I want to take, but it will be on my terms and for goals towards what I want in life. As the saying goes, may you live until you die!

Life is like a large pizza and work should only be a slice! My dad is 75 been retired. Can't travel or enjoy life because he can't afford it, medication is too high etc. My aunt is 74 and retired, remarried and they can't afford to travel. She has a bad back and can't get around too good. They have worked so hard in their lives to prepare for retirement for what???? Neither one can really enjoy it. I am 52 divorced with no retirement. But I work my dream job as a landscaper and get paid to play in the dirt!!! They do not offer benefits and I am ok with that. You have to live for the moment because it will go by so fast!!! Live now while you are healthy! Get outside, get some sun on your skin and dirt in your nails. Don't put chemicals on your body or eat junk. Enjoy every moment and live within your means. Like Tim said, kill your bills so you can travel more!! Cheers from Kansas!!

People don't work till they die, they work until they are disabled. We think of retirement as a golden age of freedom but its actually a moving target of when we will be too broken to move or function. There is a great book about retiring called die with zero that talks about how working till you die is not the dream. its based on the value of the dollar and how to make life meaningful.

Stress and anxiety hits so hard these days that it effects your health to the point where you can't stay on these jobs until retirement. These days you have to walk away and choose your sanity.

I am soon 47 years old, on governmental disability benefits, homeless in Norway, but my life has never been better, i live alone in the forest and my mental health has become better due to not worry about work, angry boss and so on. Life alone is good

I've been saying for a very long time, retirement is a scam.

as a Gen-Xr i learned the "hard way" , that the old system doesn't work anymore. I tried my best to achieve the same lifestyle that my boomer parents did, but it just wasn't going to happen, so i had to look for an alternate way of living that gave me happiness and I found it. best wishes.

I’m 71 and retired for seven years. I’ve learned that as a responsible dad and husband I failed to learn what it’s like to have fun. The very definition of fun is strange to a lot of men. Redefining this word is step one. First, you need to recognize what makes you happy. You can then, define fun. Taking care of yourself is the first thing in having fun. Don’t be fooled. Your health will dictate the quality of your death, not the quality of your life. My dad, for example, was sick for about eight weeks before he died because he was healthy. People that don’t take care of themselves takes years to die. Your identity will be redefined. For example: I hang around with 18 guys who have become good friends. Not one of these guys, including me, could care less what you did for a living and how much money you have. Whatever you did before retirement is not important at all. It’s time for a redefinition of yourself.

truth be told, who's to say you'll even be alive in your 50s and 60s cant predict the future so why worry about retiring

I did notice that some people will go to work to avoid reflecting about their life. So I think staying busy can be helpful, but at the same time we do need to reflect and know what we want out of life.

I'm digging how you just walk in the videos like a badass. Always dropping the knowledge. We love you, Timmy.

The Japanese Island of Okinawa has the longest life expectancy, and they do not have a concept of retirement, as you get older you do an easier job.

Bravo! Just been laid off at 50 - had pension and 401k. It’s all gone now.

I am 31 and already feel that life is barely worth living. Imagine how the world will be in another 50 years. I've never had a real job and I never will. I scrape by earning a very low income doing my own thing, as i'd rather have free time and retain my autonomy. I refuse to conform to this wage slave rat race. Life is hard for everyone and most of the time it feels utterly pointless and painfully lonely. I only really live for food, to run and to hike. That's it.

I have health problems so I may not even live past 50. I’m trying to enjoy every day that I can. I’ve been really fortunate to have lots of great things happen lately. You’ve gotta cherish each day you have

I'm 42, and a couple of months ago my 45 year old brother dropped dead of unknown causes while playing video games with his friend. It really made me think about how many years I might ACTUALLY have left. I'm looking more and more at alternative ways to live. We aren't guaranteed tomorrow. :(

First of all i'm Canadian. Two years ago at the age of 55 i decided to put together my 10 year work/retirement plan. I have worked for the last 37 years (never been unemployed) and have always made less than 40K per year. The last 3 years i have worked in the food service industry and in the past have worked in retail for 15 years, 12 years in hotel hospitality and 7 years in senior care. The hustle culture of working 50-60 hours per week is no longer appealing to me. I'm done chasing money. Life is too short, so i came up with the plan of working until i'm at least 65 years of age by working 3 days a week x 8hrs/day (Wednesday, Thursday & Friday). I'm on year two of this plan and loving it. I no longer let work consume my life. I'm done being a full time corporate/wage slave. I'm enjoying my extra free time while i still have my health and while also keeping a low taxable footprint. Money is not everything!

Balance, it’s called balance As Les Brown says”it’s better to be prepared and nothing happen then not be prepared and something happen” I took all my vacations, never worked on my birthday…etc but saved for my future because there are no guarantees either way. My father is 98. My mother passed away at 88. My grandmother passed away at 98. I have a future to look forward to. I take care of myself. I played volleyball once a week with young people 40 and under I played pickle ball once once a week I live weights and healthy eater. It’s quality of life not quantity. I have no elements to complain about. I am retired and enjoying my life just as much as when I was younger if not more. BALANCE , It’s called balance

I retired at the age of 62, but I am comfortable with what I receive from my pension and retirement. Enough to keep me afloat. Riding my mountain bike, walking, playing the clarinet and hanging out with relatives and a few friends are even more enjoyable since I do not have to get up and go to a job. I am definitely stress free. Find the peace that makes you happy! Thank you Timothy for bringing so much creativity on how to live an easier. happier, and stress-free life!

To me, "retirement" is not necessarily ceasing all work. It's getting to a place where you work less and have more free time to do things that are truly meaningful. My retirement plan is to get to a place where I can work 10-20 hours per week running a side business and collecting social security.

And if you do retire, you'll be stressed about how much money you have and trying to make it last. I think the best you can do is get yourself debt free with minimal expenses and work part-time in semi-retirement. Work for a while and build up some cash, then take a few months off. Or work 2-3 days a week only.

My advice. Find a profession you enjoy doing and continue to do It as long as It makes you happy.

Frankly, I’ve never believed in retirement. I don’t even understand it. Why would I want to sit and post pictures of my feet on Facebook? My plan for retirement, which is coming up soon, is to get my PhD. Immersed in the academic environment. Living in a tiny studio apartment, spending my life in the library, listening to lectures, writing, publishing and learning. These are my favorite things to do, so I live frugally and squirrel my resources away so I can bankroll this when the time comes. Staying focused on my goal creates a wonderful life for me right now while I prepare for this wonderful life in the future!

From a 63-year old retiree…your philosophy is right and you are an inspiration.

Sold it all (4K SF house, we owned our two vehicles outright, no student debt, and the pets had died…) and lived ‘van life’ for almost three years w a 6 yo, my wife, and me. I was over working; not overworking, but done with it. We were smart, frugal, and visited 46 states, and eastern Canada…spending quality time with both sides of the family. And homeschooled during that time. COVID broke the vibe, but there is no better time than the present to LIVE.

I’m 59, my wife and I retired at 57 from the US Postal Service. We moved to Eastern Europe and are living very comfortably. The greed of capitalism, corporations and the billionaires have destroyed the working class ability to retire, at least for the majority of Americans.

We’ve been socialized to live in fear and we have to unlearn this and learn to live from love and curiosity

True. Many people spoil their best days for an uncertain future.

Don't know why you were in my feed... but I don't care! Inspirational... SUBSCRIBED!

I love this message. When I was 18, 21, 27, I kept wanting to live an alternative lifestyle- but even the idea of doing that for ONE year was met with “but you have to start college”, “you’re already in college why would you stop”, “your career is finally picking up, this is going to ruin your progress”… Here to confirm, there will always be something, and unhappy people will always be first to bring you down.

I never thought I would retire early. I was just 55 and working as an air conditioning technician most days I had to medicate because my body was getting abused at work and this happened everyday. My wife worked full time and is six years older than me. One day my wife said that’s it I’m going to retire and I thought how are we going to live on my income? So we got with a financial guy who looked over our finances and when he was finished he just said okay when do you want to retire? Sometimes you just need to get professional advice to help you understand your finances. We both quit our jobs and traveled for a year we sold our house in the suburbs and bought five acres of land which we are now working on. It’s not perfect but it’s better than working and I don’t have to medicate everyday 😊

I have laughed so hard! This is the absolute truth. We have boiled our lives down to retirement. It’s good to plan for it but don’t let that be the only goal in your life. LIVE.

Don’t know how long you’ve been vlogging, but I just found you and you’re so refreshing! Making me think a lot about my life.

Live now. Great advice. “I want to live the kind of life I never need to retire from”. Saw that years ago on another RU-vid channel and it stayed with me.

When my wife and I were dating in our early 20's, we saw all the tourists in their 70's barely able to walk wandering through our town. We sold everything, got backpacks and flew to Europe. Ended up there working and traveling around for a decade. We enjoyed our youth while we had it and even though I'll be working till I die like most of us, I don't regret anything about it.

Currently retired, bought into the "Golden Years" . Guess what? Fools gold! I look at young people that are traveling, hiking, backpacking, etc.. and I think they are enjoying life to the fullest while they can enjoy it. I wish my body would let me do more than I am capable of doing now. So some regrets, YES. worked my ass off, financially secure but missed some of life's great experiences due to work.

Preach it Tim! I was let go from a job last year. Looking back I was not happy with the pay or the environment, so it might have been a blessing in disguise. However, I landed back on my feet.

SPITTIN TRUTH!! Watch it again, people. The man is bringing it. Pray unceasingly, Patriots!

Great topic, Tim! I definitely believe in this. Especially if you have lost loved ones or people close to you. When you see people pass away, it gives you a different perspective. LIVE now, be kind to people, patient, travel (even within your own state), eat delicious food, go volunteer, find an exercise you love and do it at least 3 times weekly. Definitely budget, and save some, but enjoy this life.

So true. Don’t put off enjoying life until retirement. Enjoy now while you have your health. Ive seen so many people pass young . Thank you for the reminder! 💗

The promise of SS is the carrot to keep the old horse trudging along.

Yes, you are correct. Most of us are on S.S. and our investments went south. We need to rethink the whole retirement thing. I laugh at these folks with $100,000 trucks, $350,000 homes. We have lost our F-in minds. Thank you, much respect for saying it.

I have been retired from teaching for 3 years. Life is better than ever. Saved and have plenty to live well in.

I’m 44 and only finally realized retirement isn’t going to happen for me. I tried, am still raising a family. There’s just no way at this point. You make a lot of great points.

My wife and I are doing well. House, 2 Toyotas and credit cards paid off. She has Medicare and I have VA health. Traveling to Spain this year.

What's up my Brother? I just love the title to this video. You see, I'm 72 years old and I'm not ready to just lay down yet. I got things I like doing and things I want to do. Now, back to the video.

Don't "plan" to work til you drop. An injury or layoff can sideline you.

I retired 20 years ago, my boss didn't notice yet 🙃

The best thing anyone can do, before deciding upon their savings/investments and life enjoyment ratio, is to get their total debt to zero. Once you do that, your overall cost of living drops dramatically and you don’t have to save as aggressively to be able to afford to enjoy your golden years. That will allow you to balance planning for your future and enjoying life now. Always best to find a happy medium

I really agree, I am 66, retired at 62, my hubby died of sudden death, 6 month's ago. sooooo blessed we had the time to spend together because NOTHING IS PROMISED!!!.

Couldn't agree more! 54 and been side hustling for most of my life. Society, family and all look down on those of us who choose to be happy rather than chained to a career we don't like or even hate. It's a struggle sometimes but I would rather change it up and try different things than be stuck. Love your videos! Thanks for the validation!

Most of us are working "prison jobs". If you can't wait for the weekends or your vacation, you are working a "prison job".

Not gonna get mad, not gonna be rude LOL. I retired early. At 51, and I am sooooo glad I did. I will NEVER look back. Retirement is entirely possible if you are intentional. I'm not a millionaire. I did make a decent salary. I started off quite meager too. Former Navy and veteran but only 5 years in. If you keep your debt low or non-existent, own your home and vehicles. Don't succumb to having everything new. No mc mansion. It is entirely possible. And I've lived the entire time. Let's see, Aruba, Jamaica, Mexico, Costa Rica, Vietnam, India, Colombia, South Africa, Montenegro, Ireland, Spain, Brazil, Portugal, France, San Andres, and I could go on. Spent 37 years with one company, no pension, just modest investing, and living within my means. I think the message needs to go out there that you can both live in freedom and retire if you live within your means. I moved around in the same company every 5 years or so. So never got bored. Didn't love corporate America, but it got the job done. Oh... and I don't plan on slowing down at all... 🙂 I did it for precisely the reason you said, I've had that longstanding thought of I may not live to do it later. So I've done it all along. I remember well people living their lives through me. Every time I went traveling, they were all googly eyed like whaaaat... I've always looked at them like I really don't understand why YOU aren't. Whatever your passion is. Do that.

It makes sense that if you take care of yourself and don't work yourself into the ground, you can live a longer and healthier life. You can work part time as long as necessary to fund your basic needs. Why should you ruin your health to make it to an older, retired age, and then die a few years after? Makes no sense.

You are spot on with the slavery analogy. George Carlin once said the powers that be want us just smart enough to make widgets, but dumb enough to do it till we die. Even a honey bee has a better quality of life than most Americans. Oh, if I could go back in time and have a real conversation with my 18 year old self.

I've been retired for 2 and a half years. I miss the people the building but not the work. House paid for. Pension,SS,403B. Retired at 62. I want mine NOW!!! Its great to retire from a job I hate with a passion.

I am 52. Went through a divorce 4 years ago and started over with nothing. I have been paying $1600 a month child support and going through that divorce, it lead me thinking about how short life really is Right now I can walk without pain,but I can't run anymore thanks to Highschool baseball ⚾ and countless hours in the gym when I was younger 🤣. My point is this,,,, when a person reached retirement age, there is no chance you can enjoy what you worked so hard to gain because your body is old. This video is spot on!! I take two trips a year out of the country,,,while I am still able to walk and see things. I can tell you right now,,,, when I hit 62,there is no absolute way I will be able to do what I am doing now. I have a pension. I have a 401k on top of that. However, that means absolutely nothing when your health goes south. Love the channel!

I am with you 💯 on this one. This morning I had a conversation with friend who is frustrated about trying to retire. 41 years with the company and she is begging to leave a few months before her retirement date. She has been pushed from office to office for almost a month and she is at the end of herself. If she leaves even a month earlier her pension gets reduced. After 41 friggin’ years! Please make this make sense.

My parents were born during the Great Depression; both of my parents worked up until dying. Dad worked for the government and had a pension, but Dad never got to use it. Ma worked a series of jobs, she didn't save money, and she bragged about getting Social Security. The SS checks weren't enough, and Ma worked PT jobs to supplement that money. I'm semi-retired, and unfortunately, I had jobs that didn't allow me to do much including saving money. Many people didn't because situations happen before becoming seniors like job loss, health issues, financial issues, etc., took what savings were available. I have a college degree, yet like most people, that degree didn't do much for me to get me ahead. If I had waited until my full retirement age to collect SS, I still wouldn't have received a substantial check.

Wow! This is the first video from you I've watched and I'm SO glad that I did! Tomorrow is not guaranteed.

Totally agree with this. I figure that when I'm 65, I flat out won't be physically able to do some of the activities I'm enjoying at age 50. So I'm making sure I get out to see the sights I want to see and accomplish things that won't necessarily be possible for me in the future. I'm fortunate that my job is decent and allows for ample PTO. The last three years in particular have been very fulfilling in getting out there and doing things I truly enjoy.

OMG! Thank you! Your words have changed my life. I have heard this before but you said it differently.

I read an article on Yahoo a few months ago, that said, the average person lives 11 years after they reach retirement age. Don’t wait for retirement to live! I’m 50 years old, and I choose to live my life now, and take early retirement if social security is still available.

No one can take the free time you had away from you.

My retirement plan is to work a remote job part time.

Amen brother from Canada. Truth is truth.

This came along perfectly

That’s pretty much how I’m planning to live my life. I’m 20 and still live with my folks and pay generously low rent, but I’ve been grinding side-hustles and working since I was 15. I got screwed over with some jobs because of the mess in the beginning of this decade, but I have discovered seasonal jobs. Right now, I work a part time job 9 months a year that gives me 30 hours a week give or take. I get out at noon and can enjoy the whole day, but I try to get at least 10 - 15 hours of gig work just to get more money. The good thing is I can choose when I work and when I want to enjoy myself. I live pretty frugally only fund my hobbies, rent, gas, and food. I have saved enough money to buy like 6 acres off-grid in the hills, and that’s what I intend to do this year or the next. All I need is a little cabin or trailer, I haven’t decided yet. I plan to become a homesteader because food is becoming outrageous, and I don’t eat junk. I enjoy being healthy and able to do physical activities so I only eat organic foods or foods with fewer ingredients. If I could grow 70% of my food, my cost of living would be so low that I could just work gig and seasonal jobs. Pair that with low taxes in the state I’m looking at and no utility bills, I might have a chance at living. I wouldn’t have utility bills because the properties are all surrounded by forest (hunting, trapping, and fishing paradise.) I would use septic/modern outhouse and grey water system, solar/occasional generator in winter, and rain catchment or spring water if I find one. I’m not lazy when it comes to working on things I’m interested in. Luckily I went to vol tech so I know how to do most things myself. I am also a creative person and I see raw land as a blank canvas to build something amazing. Also like you said, the future is uncertain. My generation will probably never see retirement like the boomers did, if we even make it that far without some kind of war or catastrophe happening. I’d rather live in the present than constantly worrying about the future.

THANK YOU SO MUCH FOR MAKING THIS VIDEO! I’ve changed jobs often until something aligned and cut off any relatives or people who were in the way and judging my journey. 😊💙

"I just need to fund my lifestyle until I ain't alive no more." Yes!! Now that's something I can get my brain around!!

Retirement at 56 (9 years ago) was the best decision for me. I could have kept working and piling up more money but I had "enough". No alarm clocks. No ridiculous meetings. It's so nice. I'm building an airplane to keep myself busy. That's my only advice. Make sure you have things to do to keep busy. Sitting around watching TV for 30 years isn't a very rewarding retirement.

I know I will not be able to retire financially. I plan to work until I die, but I will only do work I enjoy.

This video is the sign I needed right now! I have been agonizing over whether or not to sell my horse because it would allow me to save more aggressively for retirement (I am 30). It's a very expensive hobby but I love it so much and it is truly my happy place. Life would be dull without it. My retirement is not guaranteed, but good times at the barn always are. Thank you!

New to the channel, and I am happy to comment to support and share my story/view. I have worked as an RN for 11 years, and like the majority of my colleagues, I am suffering from burnout and moral distress/injury. I had recent health issues that made me have to put aside the things I love for a couple of years (hiking and biking), and it was a big wake-up call. I am 36, and I was nearly disabled. I am fortunate that my health turned around after having a hysterectomy, and I feel that I have my second lease on life. So, I quit my job, and I am working far fewer hours. I am outdoors far more than I was before. For the first time, I feel like I am beginning to actually live. I grew up on a farm and began working my ass off since I was 5. After working my ass off for 31 years, I am tired of it, and I literally cannot imagine doing it for another 30-some years. As for health insurance, there are options with agents that can be more affordable and a better fit than a company can offer. I wouldn't recommend not having insurance (god forbid we live in a first world country that ensures its residents have access to affordable healthcare). I have seen patients rationing their medications and not going into the hospital until they were profoundly sick because they either couldn't afford health insurance or their coverage was insufficient. Why the hell in America can someone go bankrupt after one hospitalization?!?! It blows my fricking mind. Healthcare is a RIGHT - not a privilege. Anywho, I am happy to be here and contribute. I am grateful to have found your channel, and I enjoy hearing you echo many thoughts I have had for YEARS.

Fund my lifestyle till I'm gone! Best thing ever said. Love your attitude.

At 50 had a stroke I worked a jod for 23year small 401k and got SSDI and LTI I’m 52 now live your life now don’t look at the Jone’s small life happy life 🙏🏽❤️

You can fight the system but you must be willing to lose.

You are vocalizing what I've been thinking about in my head. It's good to know that I am not alone in this way of thinking.

Preach brother Preach! Your right! I love this exchange. Thanks!❤😎👌much love.

I believe in balance. You need to save and do things that bring you joy. I have seen too many videos of people in their 70’s living in their vans. Their biggest regrets is not saving. Working hard and dying young sucks, but living into your 60’s, 80’s and 90’s with housing and food insecurity sucks even more.

I don't think the idea of retirement needs to die, but be redefined for the 99% of us. That's pretty much the point I took from this. I'm starting to feel this way too since long-covid. Careers are done, pensions are pretty much gone, and the 401(k) is not safe either. The new wealthy is going to be minimalism and maximum mobility. Modern society is in a death-spiral and does not work anymore because the social contract was broken a long time ago.

I worked the same union job for 20 years (60hrs per week) that went bankrupt back in April 2020 right at the start of the pandemic. The company told me that I was too young to collect pension,so they are just holding on to it....AKA.... spending it! The company actually did me a favor by laying me off because I never would have started my own business if I still was working there.Full time jobs just suck up your time and keep you in the rat race. They aren't worth it in 2024,unless you're making a very large amount of money yearly ($500,000) Thanks Tim. You motivate people to live the way they want, unlike the Rat racing cookie cutters and debt slaves

Thanks for "getting real". Another good and insightful video. It's the direction the world has headed to, so finding a lifestyle to live a good life is important.

Do anything you can to be self employed ASAP. My dad always told me if you work for someone else they pay you the minimum to keep you around. When you work for yourself there is no limit to what you can make. It's even more true now that employers have no loyalty

Spot on and so zen. Thank you for the courage of this video. This saved me a lot of stress years ago: “Better to have a short life that is full of what you like doing, than a long life spent in a miserable way” - Alan Watts. That quote was revolutionary for me.

I think gradually moving toward minimalism will let you both invest more before retirement and will reduce anxiety about not having enough saved up for retirement. You can have both, get out of the rat race to live happy and have enough saved up. It’s all about getting impulse buying under control now.

Very well said Tim. great video. I enjoyed it.