Reality Of Retirement / What They Don't Talk About 

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I'm a community palliative care nurse. Don't wait to do things you want to do. You don't have infinite time. A single diagnosis can change your life and it can come at any time. I've seen people go from "healthy" to dead in less than 2 months. I've met people who just bought a new home and moved to a new city for retirement, received a cancer diagnosis, and died before all the boxes can be unpacked. Save what you need, but don't over-save to the point where you compromise your enjoyment.

As a 33 year old, I’ve watched so many financial videos so I could be prepared for retirement. This is literally the first retirement video I’ve seen covering this topic. I had no idea. Thank you so much for sharing this with the younger generation

This is what I've been wanting my husband to do. Retire now, while he still has his health. He's 64 but his knees are going and he looks tired and worn. He's a workaholic. I fear I'll spend our retirement alone. You two are the cutest. Thank you for your wise advice.

Your advice hits home for me. My husband and I retired several years ago.. since then, my husband has gotten COPD, had a heart attack and recently had a small stroke. Don’t wait to start living your retirement dreams.

Mom was a stay-at-home. Dad retired at 60 & at 68 developed a brain tumor that took his life. Mom said it was a good 8 yrs. They went shopping for grandkids. Took a road trip across country & visited a lot of people on the Christmas card list. Took craft n gardening classes together. One yr made cabbage patch dolls for all the grandkids and had fun dressing them. When mom reached 70, she had a tough year. But we got through it & she lived an active life for another 22 yrs. Hang in there Norm, 1 or 2 tough yrs and you can be active for another 25!

I just found you two today. My wife will be 70 this year and is still working because she enjoys her job. I just turned 63. The plan was to work until I'm 65. We are both self-employed. All I have been focusing on is the money. Only recently have I thought about our declining health as we get older. This information is just what I needed to hear. I will share this video with my wife.

I worked and lived so hard in my youth , Damaged my body a lot . Old age is very painful now .

Quite right, when you retire swap working for regular exercise. I am 74 yrs of age and know from my own experience that inactivity will lead to a rapid decline in mental.and physical health, also a shorter and less enjoyable retirement. Just learn to accept that exercise has to be a part of your daily routine, equally as important as eating and drinking.

Y'all are the most down to earth and authentic RU-vidrs; I feel like we could be having this conversation over dinner and learning from friends. As a 51 year old this episode really resonates with me. Thanks so very much for sharing these important experiences and thoughts.

I am a emergency medicine physician. I see people from all ages and understand aging very well. When I talk to my financial planners they talk about all the things I can do when I retire with my money and I can't hold my laughter. I've always told them that they know numbers but the realities of aging escape their intellect.

Amazing content, thank you so much for your honesty and for making this video. My 55th birthday was yesterday, my son finishes high school in late May and will begin University in August. Being a single Mom means there is no way I'll retire until I'm 65. Being an "older" Mom, I have always stressed to my son that the present is now! No one is ever promised another tomorrow no matter your age. Already, we've traveled to two countries and seven US states. I've always been very aware to cram every available opportunity into our lives: a walk in the park, a live performance, travel, a new restaurant, etc... Thank you for this reminder, the timing was perfect and heaven sent, live now!

Excellent advice. I was 18 months younger than my husband of 41 years. He retired at age 56 and I was planning on retiring at age 62, seven years after him. Our house was going to be paid off and I would be eligible for social security benefits at age 62. Unfortunately God had other plans. My beloved husband died very suddenly and unexpectedly this past August at the age of 61. He didn’t live to see my 60th birthday or the retirement we planned to spend together. If I had retired when he did we could have spent five years together in retirement. As it is we didn’t even get to spend a day.

For the past months that I had been viewing videos about retirement, this one really hits the spot. As you said, almost all of those videos are about the financial side, but none that I have seen so far are about the actual practical suggestions about when that time comes. I am planning to work until 67 (or even extend to 70), and my wife, who is 5 years younger, plan to do the same, and I just realised from what you mentioned that it means 5 years of me being alone (partially, if she continues doing part-time work), and when we are both retired, then I will be 72 and she will be 67 - not much time left to spend together with good health and all anymore. After all, what I am looking forward to is spending my remaining years with the person I love to be with, and indeed, why not make that time the earliest possible (still considering, of course, the financial side of things). Honestly, I am so focused on the finance rather than what retirement really is/means. Thank you very much to both of you for the wake-up call, and I am very happy to have found your channel. Now time to recalculate my projections... 🙂

It's important to share this information. Too many people don't comprehend how fast the body can change. I've seen people just stop doing anything at age 70. Saving money for dreams they ran out of energy to enjoy.

Such a great point. I take care of patients from 1 day old to 100+. No one can buy health. Certainly a larger pillar if you will of life. Health will always be far more important and the money, but if one has both, well that’s a thriving combination.

Hard to hear, but such an important message. Sadly I lost my husband suddenly last September. He was 58. We had so many plans. He loved his job and was able to work remotely. He also had a lot of vacation so retirement didn’t seem necessary. I lost my job to the pandemic in November 2020. I am just highlighting this because we are not guaranteed our health or longevity. Also, many people our age (Im turning 58 next month) still have children in university. It’s another reason he wanted to keep working. I am grateful that we travelled a bit in 2019, purchased a travel trailer in 2020 (camping 35 nights in total), and moved to the country in 2021. All in all he really enjoyed the past few years. I agree with you. Don’t worry so much about the money. Heath is the greatest wealth. I am taking stock of my lifestyle including weight and fitness. I want to be around to enjoy time with my children and do the things I want to do while I am still able. Thanks again.

Health is the #1 asset to have. Everything else is secondary! I'm 53 and do strength training 4x a week. I'm in better shape now than in my 30's-40's. Hoping to be in top shape when I retire, and to continue with it throughout retirement. Appreciate your videos very much.

Your video today addressed a thought I had on my mind for awhile. I worry since I have a bad back and an arthritic ankle at 54...what is my mobility going to be like at 65? It scares me. I am retiring this year because I have seen too many people wait until 60 or 65 to retire and tragically they did not have a lot of time left to enjoy the pensions they earned. I will have to be frugal for the next 5yrs, but after working full-time since I was 20, I just want time to enjoy coffee in my garden, feed and watch the birds, walk my dogs and go camping in the mountains. My life will be simple but all I really want is the time to enjoy those simple things that enrich one's soul. Thank you for your input as it solidifies that I believe I am making the right decision.

It is so true, if you don't have your health the retirement picture is not going to be as you dreamed. I did the same thing my husband retired at 60,I continued to work ,wanting to pad the nest egg for retirement together. My husband has diabetes and macular degeneration and is going blind. certainly not in the plan.what has happened is I have retired to be a caregiver after I had already taken care of my mother 8 yrs (alzheimers). It is a labor o love but I will never see what I worked so hard for. Pay attention to your health and retire together, you can't strategize for everything life may throw at you. Bless you and be well.

Good advice about 1 retiring before the other. I had that couples experience. My partner is 7 years older, retired about 7 years ago, and about 1 year ago he was diagnosed with a fatal brain disease (Glioblastoma). I have taken some time off to be with him this last 8 months, during this moment in time, before he passes and although we have enjoyed this time together, we could not travel as we planned because of the realities of Medical care that is linked to our location - so we traveled short periods locally and stayed put. With that said - I am so glad I took this time off to be with him. No matter where we are, it has changed me profoundly (no stress) and he is happier to have me in a stress free mode. *** He advises everyone who ask's: Remember 3 Things - Quality, Quality, Quality Time not quantity.

Thank you so much for bringing up this topic. I agree. No one tells you about this. I just retired a few months ago at 60 years of age and I am so glad I did. Retiring during a pandemic is not as fun as I would like but it is still a vacation everyday even if I can't travel yet. My stress level has gone way down now that I do not have to go to work. I wanted to be healthy enough to enjoy my retirement, so I chose to do it early. I worked out a budget and practiced using that budget for 15 weeks before I actually retired. It is working much better than I imagined.

I'm 42 and stumbled upon your channel this morning. You guys are great! Subscribed. I'm a little ways off but definitely want to retire early from working for someone else. That's been my plan for about 10 years now. I really appreciate you sharing your wisdom and experience. Thanks, and great channel!

I've now watched a number of your videos and must say, they have been extremely helpful and a pleasure to watch, you guys are about 5 years in front of us but most the topics you cover resonate with us. It's been great to hear your honest insight and advice. Keep up the great work, I'm convinced you are helping thousands of people, seems like a great way to spend your "retirement".

We didn’t move to Spain until we were 70 and were there for 10 years and at 80 my husband developed cancer and we came back to the UK. My husband passed away and I still travelled until Covid now I am 86 and now develop aches and pains. I now just spend time at home living with my son and enjoy reading and TV we still holiday in Norfolk but no longer going abroad. Love your vlogs.❤️❤️❤️

For me being so restricted for the past two years has accelerated my physical decline. Being forced to stay home so much (i do still go to work 4 days a week but other than that sat at home) due to covid restriction has caused many people to spend a lot of time on the couch. That is a bit of an excuse, because I could be exercising at home etc - but by eliminating so many recreational activities over the past two years I'm getting 'older' faster than ever!

Thanks for this candid conversation! I am approaching 60 and am semi retired (working 10 days a month) and notice my physical decline from when I turned 50. Without health, there is nothing....

Sometimes you watch a RU-vid video which changes your life, this is one of those times. Thank you.

Great advice that really hit the mark with me. I'm 59 and just getting over my 3rd pneumonia in 6 months on the back end of having Covid -again! As we used to say in contracting "the money's great but you can't spend it if you're dead" . I think Covid warped me past the decision point. I went from a youthful 57-year old who passed for being in his 40s to a 59 year old whose health and energy is in his 70s. So I just coast on at work hoping for a health miracle.

Great advice, Tina and Norm! I just discovered your channel recently and I'm enjoying the videos immensely. I'm 57 and my wife is 56 and we are planning to retire at the end of this year. The financial aspect has always been a concern but your point about deteriorating health has always been our main motivation for giving early retirement a shot. Wish us luck!

Omg this I needed to hear! Husband 63, im 54, we just retired and travelled 5 months out west and I noticed husband def didnt have the energy i did. I had some reluctance in retiring but realize after I watched your video i did the right thing. Thank you so.much for this video!

I really like how you give unusual, practical retirement information that no one else (that I've found) provides. Your advice about retiring together is excellent, in my experience. I recently retired (joyfully) at age 56, and my husband decided to close his small business at the same time, so we could have free time and fun together. It was one of the best decisions we've ever made.

I have just joined your channel. I like it. I am 66 and a retired soldier and soon to be a retired civil servant in about a year. The wife is 70 this year, and she retired over a decade ago. I have been thinking about retirement for the past 5 years. Financially we are set. Two Gov pensions(me) one Gov pension for the wife + SSN + over 7 figures in savings and ZERO debt. The wife has had cancer twice and recovered and so far all is well. We have been travelling for a long time, not waiting for retirement...as there is no guarantee there will be a retirement. I am healthy, and very active and plan to stay that way as long as possible. I have decided to do volunteer work the first year plus in retirement so as not to go "cold turkey" into retirement. So the idea is to have an itinerary set up from day one...and slowly change it as I ease into retirement. My biggest fear is to be bored! I do have many hobbies....Photography, cycling, hiking, reading, motorcycling. So as my countdown clocks clicks away on my desk I look forward to a NEW life.....

This video really resonates with me today. My husband just retired at the beginning of this year and I'm contemplating quitting at the end of my contract in June. My husband is 6 years older. The hold back is that I don't have a pension. However, he has a full pension (with survivor benefits) , health benefits, an insurance plan and we have our savings. No debt at all. We're both relatively healthy. Both of our fathers died suddenly. Both at the age of 67 years. Nothing is guaranteed. Time is precious.

I had planned before covid to work until 70! No way do I want to do that now. Life's too short, and it's not all about the money. Your video is a good reminder.

This time you reminded us, more than I feel was the case in other episodes, of our fragility. And it was a wise choice of topics. That "tough love" approach is not only valuable when directed at the younger generation, but at any age. I retired with a disability several years ago and my husband, who is several years my junior, kept working. This past year, at 62, he retired. Now, as with everyone else who want to travel outside of Canada, we are sidelined by Covid and don't see yet when we will be able to gol. I am feeling quite a bit better now at 69 and really could go to Spain tomorrrow if Covid circumstances allowed. You have once again inspired me to think seriously about more than just finances. In life, take nothing for granted. Do your best to eat, rest and enjoy life in ways that are good and healthy. Then, if luck allows, health will stay with you longer as will your quality of life will. Thanks ever so much for this video. We watch you regularly from Montreal. Please keep up the great work.

Thanks for a video on retirement that focused on health. No one talks about that and it is very important. When I was 50 I felt very energetic even though I was very overweight. I felt quite young or around 35-45. Just a few years later I was diagnosed with diabetes and hip issues. Now at 58, I feel tired all the time and don't feel as young as I used to. Just a short 8 years and everything changed. Planning on retiring at 60 which I will be prepared Financially so now I have to prepare physically, health wise for retirement by losing weight, getting a hip replacement and have a plan in place during retirement to stay physically active and healthy.

Just subbed. One of the most important topics I've ever seen listed on the internet! Husband and I are over 70. Advice from this perspective: (1.) be very careful and knowledgeable about your diets. When you eat remember your mouth can keep you going. It just needs to know when and what to eat. Choosing the right foods is harder than you might think. By our age, half of us have diverticulosis! (2) Motion is Lotion... You stay ALIVE because of the motions you choose. For us it's tai chi and yoga. It took over two years of guided instruction to really feel comfortable with the forms, but pain is not a part of our lives. So the hours spent on exercise are worth it! (3) expect great changes in perspective. Among our best friends, key words are "Pace yourself." I feel seventeen, but young people's exercise (skateboards, etc.) are no go..... (4) you're retiring from a job, that's all. There so many wonderful ways to invest yourself. I helped raise all my grandkids, wouldn't trade the memories for the world! My husband still teaches, just not for pay. (5) life is a good wine. Savor each day, each moment. It'll never be quite the same again. Blessings.

I'm 65 and I can totally relate to your message. A friend recently told my husband and I to travel now (not wait til later). The message was: In your 60s, it is go, go. In your 70s, it's slow go and your 80s, it's no go!!

Wise words indeed. Thanks for sharing. Stay safe and enjoy many years of happiness together!

Lovely couple, Good advice. Partner is 65 I'm 61, planning to work one more year and that's it. To live frugal, paid your debts, don't get into more debt!

Just wanted to thank you for helping me to stop procrastinating. My husband is 66 and retired but being 8 years younger I wasn’t ready to retire. I did tell him I will retire at 60 next January but wasn’t 100% convinced this was best for me. Watching this has made me realise if I want to spend quality time with my husband I really do need to commit to retire

…Just ran across this video again Tina & Norm! I believe this is one of your most poignant and powerful videos in the entire series because you’re correctly stating health trumps money . The anecdotes you told, in here about people who waited and worked too long speak volumes! In fact, I think you might want to consider reposting this or reiterating this message in a current video. Best wishes!✌️😊⌛️⏳

Thank you for all your wisdom. We listened and we are both retired now. I am 58 and my Husband is 71. It's been great. Doing a little bit of everything.

Really great content. You're right. Nobody talks about this. Like the previous commenter, I've watched many videos on retirement and they focus solely on the financial aspects. I'm 39 now and planning to retire by 50. Watching this made me even more determined to make that happen. Thank you!

Me and my spouse, five year age difference, watched this video together and you certainly sparked some deep conversation. We have been trying to decide when is the best time to jump…and it is scary when there is no crystal ball. But you bravely took on the discussion of something that holds certainty…health will decline. It was something we had not given it’s proper “weight” in our analysis. Money always seems to get the highest consideration…and trying to determine when is “enough” can give a couple paralysis analysis! Lol We are so grateful that you two have given us a front row seat into your decisions and your experience. Your insight about doing this as a couple was also something we needed to hear. Thank you Tena and Norm for putting yourselves out there and sharing your beautiful personalities!

My husband had 13 years of retirement while I had to continue working. And its taken the 1st year of my retirement for him to have me around! Now we're adjusted to both being retired together ❤ and keeping our health, mental and physical, the priority we deserve. Thanks for your sharing 😊

It's important to stay in shape and go for those brisk walks rain or shine Everyday. Good points.

It's so so true! I was forced to retire early after a failed spinal surgery 5 years ago. My husband continued to work and plans to retire in 2 years....my health has deteriorated over time that I doubted if I could travel and see the world in 2 years time.....YOU CAN'T BUY HEALTH once it's gone!!! Thank you so much to share this valuable insight.

That’s interesting. My husband and I were lucky enough to retire early, we were 56 and 54 but as my husband is older I did chose to work an extra three years. I think your experience is relevant when you both have the same interests and do lots of things together but we have different interests and are a little more independent so my husband’s retirement wasn’t affected at all by the fact I continued to work. We always planned on retiring at 55 because my father who’s 92 has always said life’s just a long weekend and you must make the most of it. He retired at 56 and it’s his ambition to live until at least 96 because he worked 40 years and he wants 40 years of retirement! My mother is also still living and 91. You are quite right about your health, I retired 4 years ago and my health has deteriorated significantly! I don’t think the pandemic has helped. Thanks for sharing your perspective on retirement.

My hubby is 78, and I'm 67. The 11 years difference can make a difference in health, stamina and interests. Travel/health insurance is another thing to take into account the older you get.

Good advice. I remember an old man telling me to make memories for your old age now! The future is not guaranteed.

What sensible advice guys! It does make total sense to be aware of health….

Hi Tina & Norm, this is one of the most valuable precious advice i got from people who have retired. I always thought I can work ‘til 70 y.o & then start traveling & enjoy my retirement life…however, with 2 yrs of covid that has cancelled many of my vacation plans & with what I’ve been seeing from people around me, I am looking into retiring much much earlier than 70. Life is full of unexpected surprised & sometimes, health situation can alter your future plans especially traveling overseas. I am no longer putting my travel plans to ‘later on when I retire’, and do it once omnicron situation subsides. Life is very short & we only live once. Thanks again, both of you! Be well & safe.

I retired at 62 last year, for 2 reasons. I had been a mechanic for a city fleet services department for 40 years. The last couple of years I noticed a definite decline in my health. I had less energy and a lot of pain. I gave up being a mechanic, and they gave me a desk job, which I would probably still have, had it not been for the vaccine mandates. Because of that, I decided to retire early. I have no interest in travel, at least to other countries. My hobbies are working on and driving vintage cars and riding vintage motorcycles. I put close to a million miles on motorcycles during the past several decades, riding in the U.S., Canada, and Mexico. However, in the condition I'm in now, I find it difficult to do what I enjoy doing. It is nowhere near as easy as it used to be. The lack of energy and pain (from arthritis and bad joints) just takes most of the fun out of it. I am divorced, and have 2 grown kids in their 30s, so I live alone. I worry how much longer I will be able to live alone. Financially I am ok, even with the way inflation is now. I had an excellent government retirement plan, social security, and made some investments that worked out well. My home is paid for. My condition is at least partly my fault. I should have realized that I could not continue to do what I was doing when I was younger, and made plans for an easier job as I got older. But I didn't. My advice to anyone who has a job that requires a lot of physical effort is to plan to find something else before it causes serious damage as you get older.

One of your best!!! Please do a long version of this as its so important. I cant tell you all how fast 60 catches up to you. .. Thank You!

Keep us updated, wonderful people.

Your topic this week is absolutely on target with retirement. At the age of 54, my regular annual check up showed rising blood sugars, cholesterol, as well as weight gain. At this point I decided to start investing in my health. I have always been active with sailing, skiing, home renovations, etc. The key factor of my declining health was diet. I started reviewing ways in controlling my blood sugars and cholesterol other than taking magic pills. The food industry is not about making you healthy, it's about making a profit and they don't give a damn about our health. For my 55th birthday, I decided to buy myself a fitness gym membership, take up cycling and start eating all natural foods. All foods are prepared in my kitchen, not in a factory, or in a restaurant. I took up cycling as it is one of the healthiest sports one can do as it is great cardio exercise which is easy and beneficial for your joints. I am now 57 and feeling better than I have in a long time, to a point as I would proudly say that I am reversing the aging process. Moderate resistance training and cardio are so much more beneficial and even more important for the elderly than the young. I have reached my financial targets and still working on the health investment for my wealthy and healthy retirement. Best to you both.

Very good points Tina and Norm. Agree with your viewpoint about health in retirement. My husband and I were saying this ourselves recently. 3 weeks until I retire. I am 60. My husband is 58 but he is going to retire too at the end of March and like you we intend to do as much travelling as possible, Covid dependent. Here's to happy holidays! x

Your comments regarding health after retirement is so true. My husband and I have just reached 60 and the aches and pains are more prevalent than they were in our 50s. We started travelling in our mid fifties and absolutely loved it. We have realized that it will be one more difficult but the type of travelling will change to more sightseeing and less action as we get older. But you are so right that when we are younger, we don’t always realize that our health and mobility will change. Enjoy your videos, especially the fact that you are fellow Canadians.

So very true, thanks for your comments. I'm 60 and have noticed in the last 5 years my health dropping off a cliff. Gaining weight, increase in BP, aches and pains everywhere, Prostate issues, currently recovering from knee replacement. Who knows whats around the corner. I'm still working, 2 more years for me before I can retire. Don't wait if you can retire now, do it.

Great topic Tina and Norm :) we were discussing this very thing the other night. We are 58 and 60 and are retiring in 2 years. We have been actively making sure we are in the best health and fitness possible, especially over the last 7 years when we planned our retirement date. Muscle naturally deteriorates when you get older and this is why you feel weaker. It honestly doesn't take a lot to improve one's fitness. Some bodyweight exercises to increase muscle and some walking at good pace a few times a week can make a world of difference. We are a bit extreme in that we both cycle 3 to 4 times a week and also do weight training on the off days. I feel stronger and more fit now than I did at age 30! No kidding! We have some folks in our cycling club that are in their 70's and 80's and they are in great shape! To us it's very important because we love road cycling, mountain biking and we also canoe portage and cross country ski so our travel plans revolve around these types of activities. It's definitely something to think about and a decision each person needs to make.

That is excellent advice. My partner and I both retired in our early 60's - together! Part of the reason we retired a bit early was to maintain our health, so we could travel and spend time together. COVID has set some limits on the traveling, of course. But we have still managed to visit family in other states and use our timeshare more often. We exercise at the same (or sometimes higher) level as we did in our 40's and 50's and watch our diet. That doesn't mean we will never get sick, but it does help us feel good and strong on a daily basis. Much luck to you both in the future. I'm so glad I found your channel!

One of the best videos i have seen about retirement. You are the first who talked about the health topic. Great video.thanks

Great perspective and share, I appreciate your words. May you have as much travel as you desire or not in the coming years. K

The principle behind early retirement is that time is the scarcest resource we have. Health condition is the main variable that affects it, so having a healthy life is as important as saving/ investing for retirement. This is obvious, even outside the FIRE world, but everyone seems to ignore it and live their lives as they are immortal. Great topic to bring to the table! Cheers

Y’all look so sharp today! Thank you for the wonderful advice.

I just found your videos and absolutely love them! I'm in my fifties and thinking of retiring early because even at my age, I'm finding my health is slowly declining even though I do take care of myself. No one knows how much longer we'll be alive and kicking, so got to start doing what you love as much as possible.

If people want to travel the time to do it if possible is when you are young. Late teens to early 20's is ideal. Your second point may also mean that if the younger partner leaves a job they love, they may not enjoy retirement and resent their partner. The trick to healthy aging is healthy youth. You're right. We need to move and use our brains more than we do. That means walking to the shops, cleaning our own houses, having conversations with people face to face, playing cards, doing crosswords and that Uni degree!

Thank you! My husband and I have been guilty of thinking just about finances. Thank you for reminding us that there's something even more important to consider!

This video really spoke to me and inspired me to re-evaluate my retirement plans and prioritize doing things that I know will require more energy and mobility. I just booked a trip of a lifetime to the Galapagos and Machu Pichu. I love your candor, practical advice and down-to-earth manner.

Thank you for this perspective. I am planning to retire earlier and many retirement channels are always emphasizing to delay your CPP/OAS payments . I do agree that you can't buy time or health.

So true I'm 58 and my husband is 74 I have relizised we have to live are life's now as he and I won't be here forever love your honesty .xMary Daniels.

Very sage advice. My husband's first wife died in an accident the first year they retired. No one could have predicted that. We have to cherish each day because we don't know what will happen tomorrow. It's important to figure out what is important and see that a lot of material things are not important at all.

I like this episode because it capsulizes a lot of the subtext of your previous videos: the issue of health and vitality over financial concerns when considering retirement at any age. As you may recall, I put off retiring until just recently (almost at the age of 70!) and I have to hand it to you wonderful Norm and precious Tina, for presenting reasonable points in your videos which made me consider the option of "hanging it up" seriously for the first time. Best decision ever!

I love your videos, advice, etc. I left work at 58 from copd in 2013. My wife retired in 2012. We have found several things to do together that don't cost a lot of money. We go on Cruises that we really enjoy and we have gone on several Senior Bus Trips. All seniors going together to different places. These are things you can do that don't take a lot of effort. I love Photography, so that has made it easy to create memories for us when we get to where we can't get out an go. Thank you guys!

Thank you for sharing the valuable retirement info, I always tell my friends and colleagues that choose the right retirement time.

A great reminder. And congratulations on 38,000 subscribers!

I am 43…..I watch your videos because you two are the grandparents I never had and the only ones who can advice me on my future retirement. Please know that you are both value and appreciated ❤️❤️🇨🇦

Here in Hollywood Florida there's a village just for seniors. It's about the size of a small city. I like the concept a city for retired people that would have everything shopping medical nursing. Assistants etc..

I simply adore you two! Thank you for sharing!

This is an amazing video because it makes a point that many don’t discuss: money cannot buy you health. My wife and I worked six to seven days per week, unless we were on vacation. We were stressed all the time and we were becoming unhealthy as we ate quickly and had less time to exercise. We recognized that we couldn’t keep up this pace for over 20 years. So, we chose to retire in our early 50s. I retired July 2020 and she retired May 2021. We’ve traveled as much as possible during the pandemic. We plan to continue traveling and will also take time to get some house maintenance and repairs. We are eating better and exercising more too. I tell everyone who can retire to retire as soon as financially possible.

You both are on point. We retired at 68. Health is very, very, much a part of the equation. We didn't have the means to do it sooner. Now even if it is small trips we are on the move. Fourth quarter of your life makes you realize alot of things. Thank you both.

Thank you for being so frank, you are so right in your advice - thanks for sharing.

Thank you for your heartfelt and genuine words of advice. Your second story really mirrors my own retirement pathway. I am five years older than my wife and have often considered the impact of continuing tp work late into my 60s, as we both retire together. My own aches and pains as I approach 63 are a reminder that I am on the "back nine", in terms of longevity and potential declining health. At this writing, it is my intention to continue to work as I truly enjoy my career as an RN. For me, it is meaningful that I no longer have" to work, but "choose" to work, and enjoy the benefits and security that remain important to my wife and I. We do look forward to the day when we decide to retire and explore the travel destinations that await us.

A must watch for anyone under 60 pondering retirement. Thanks guys!

I love your videos. Part of our complication is that we became parents later in life (mid-40s) so we are actually trying to do some bucket list trips before we start doing more family vacations. I hope covid abates and allows us all to travel more.

What a kind and sincere message. Thank you.

I am 70 my husband is only 66. I worry about retiring having enough money in Australia pensions means tested. I do feel my health has gone downhill especially the legs etcetera I will retire now thanks to your video

You are absolutely correct with your chat about health and retirement. My husband was ten years older than me. So when he reached 65 I decided at 55 to retire also. We had 12 wonderful years of travel to Europe primarily, but we also discovered lots of Ontario together. He died at 77. I am now 80 and I did continue to travel alone for a while, but now due to CoVid and the cost of higher insurance and having done a great deal of travelling throughout the years, I do feel content to stay home and when things open up perhaps see more of Canada. As to health, I am in good health right up until two years ago when because of the lockdown I was unable to continue with my Aquafit and Mall Walking and Yoga. I did keep up the walking, and now getting back to Yoga with my teacher on the phone, but I do notice the difference. I have lost a lot of strength and this has been replaced by stiffness and pain of arthritis. Nothing bad, but I really do want to get back to Aquafit when I can. I found this to be the best exercise of all. We had so many 80 and 90 year olds in our class, and they said the same thing. The deterioration has happened quite a bit now that our pool is closed for the time being. Always look forward to your chats, and thank you.

My husband and I have recently retired in Canada. I turned 65 in 2021 and he will be turning 65 in 2023. I retired first in 2020 and he continued working until he got a diagnosis of Parkinsons in 2020. Well that kind of changed things for us. Luckily from about 50-62 we travelled a lot while we were both working and were so lucky to see so many places. Now due to Covid we have not travelled since 2019 but to be honest it doesn't really matter if we do any major travelling again. We live in a condo, I collect both of my pensions and my husband one for now and of course the money we have saved for many years. Health is so important and we never thought we would be here but you learn to adapt and find things closer to home to do and see. It's all in your retirement attitude.

Hi Tina & Norm some more very good tips . I totally agree I’m 66 and try and stay fit but it all takes a little longer to recover. Regards. Christopher Barker

Thank you for this insight. It’s much appreciated.

This video is exactly where we are in our life, my husband is retiring in May and I just turned 60 but we had the same conversation as you guys and I am retiring too, we are moving out West to spend more time with our grandchildren and take our small trailer into the mountains as well as spend more time in the u.k to be with our other 2 grandchildren, as soon as the children left home we was fortunate enough to travel to everywhere on our bucket list because we know how quickly life can change. Thank you for a brilliant video x

I’m 64 still working planning to retire at full age 66 1/2, but I started traveling at 44 and I’m glad I did. Number one, you have more energy when you’re younger. What made me do this was, in one of my trips to mexico, I saw this old couple in our tour group. They couldn’t participate in going up a hill or walking too much, they couldn’t take the heat so they stayed under a tree most of the tour. This is when I had an ah ha moment and did not stop traveling until little bit before the pandemic. Now due to all the covid restrictions and yes, aches and pains I was not expecting, I’ve decided not to do any out of the country travel, I would keep it to within the US and I’m happy with that decision. Yes, I still had a few places in my bucket list I could not go to, but Im Okay with that. Now when I retire, I’m planning to dedicate it to exercising, yoga, eating healthy, lifting weights, gardening my own fruits and vegetables, going on walking trails, and I’m okay with that. So for those in their 40’s and 50’s, don’t wait until you retire to travel, start now if you can. God bless you all!

👍🏼👍🏼👍🏼 BTW lighting and editing tweaks (zooms) look professional. Polished presentation.

Very powerful video - thanks for sharing, stay strong and vibrant your two ,

Interesting points of view. Appreciate the honesty. Personally, have been doing Chi gung since 2008 and bike to work the year round. Also love to putter around the cottage. Still enjoy teaching at 61 and plan to continue till 65. But yes, my wife who is two years older could retire tomorrow, especially given the mental strain of work and taking care of her two parents in nursing homes. So, if she decides to do so, I will keep what you had to say today in mind.

So true! You have to get your mind and body in shape for retirement. I am single and 73. The aches and pains have ramped up in this decade of my life. I worked until age 70 and took care of my mom until she passed away two years ago and now Covid! I am thankful for making memories in my younger years. There is a balance, since we are not guaranteed a long healthy life. Looking forward to more memories and blessed that my two daughters have traveled with me during short breaks of Covid. We have plans to see Montreal this summer! 🤞

Truth. Health plan over a financial plan. Another wonderful video. We wish we had seen this video five years ago. I am 65 soon, my wife 58 retiring in a few months. I have been retired for 7 years. Ive enjoyed going to the gym, our pool and walking our dog and doing volunteer work to fill my time. We may be following much of the same plan as I have had a few health issues. Here’s to travel and good health. Stay safe!