@paulinthephilippinesolddog9234Avoid These Money Mistakes for Early Retirement/Old Dog New Tricks@paulinthephilippinesolddog9234 Link to the Best Site to Meet Your Filipina christianfilipinadating.com/p...
Retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My parents both spent same number of years in the civil service, but my mom was investing through a wealth manager, and my dad through the 401k.
This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.
Its unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $287k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
@@BernardFrederick-tk7un Recently, I've been considering the possibility of speaking with consultants. I need guidance because I'm an adult, but I'm not sure if their services would be all that helpful.
@@BernardFrederick-tk7un Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
My dad worked until his memory got so bad at 63 (dementia). By the time he was 65, he couldn't remember us or our names. He is 72 now living in a assisted living facility. I think everyone should retire as soon as they can.
My husband’s younger fitter sporty brother died suddenly aged 57, this triggered us to retire aged 60. That was 6 years ago and we’re loving life….. every moment is precious.
If I die, I won't care. I'm not retiring till minimum 65. I like working & find purpose. Plus I'm not taking a tiny check. If you live till 85, you'll probably wish you waited
@@8corymix8 we will never regret retiring at 60 we’ve had a brilliant healthy 6 years…. from now on it gets harder to stay healthy so we wouldn’t have been able to do some of the things we’ve done. Don’t wait…. once you leave work you’ll realise what a trick it is to keep doing it. Less money is fine we’ve found as having time 🕰️ makes up for it.
I'm 56 and my twin daughters are 16. I'm so burnt out and stressed. I am often woken up by nightmares about my work. 62 is when I hope to retire. I don't want stuff. I just want to relax
Make sure that stress does not give you cancer. Stop thinking about work once you leave work. You are not paid to think about it at home. Do your hours only.
Good advice Paul. I retired 1997 age 57 now 86. Live in Fresno. secret no stress, don’t associated with negative people, an most of all don’t keep up with the Jones. Bottom line line what makes u happy go for it. Happy for you an the Misses
This is my goal too; retire at 57. With my military time and government will have me at 20 years in 2027. I'll be 49. I can retire without penalty would be at 57. 2037 will be 30 years. That's only 13 years from now. So I'd be 59. That's probably as far as I'll go
Good advice. I want to work till I die, but do something enjoyable and part time/part year after 60. Everything I really enjoy is pretty cheap or free.. Only worry is the wife's shopping habit
@@commenthero4635 - Doing something that is not overly stressful and at least somewhat enjoyable is a game changer. And if you love your job, so much the better. Retire early if you hate your job or...at least change your job.
Sitting home,on a couch, watching Jerry springer, will kill you faster than working, work is good for most people, who are these people, saying uou must retire at 62, are they going to pay your bills, tell them to shut up, a d mind their own buisness.
I can't believe that I am 44 and watching this with such excitement and happiness for you. Partly I think it's because I am learning and planning to be able to retire at 55 but absolutely the latest 62...
I have been lucky having had 2 good union careers, so I have a couple of pensions on top of SS. I always knew I'd retire at 62 somewhere in Southeast Asia (I picked Chiang Mai, Thailand), having fallen in love with it when in the Navy. First off, if I worked to 65 or 67, I'd never get those years back. And no one on their deathbed ever said, "Damn it, I wish I'd spent more time at work!" Also, I have a good paying job. There is a man or woman with a family out there that needs the job more than I do. Well, today in my 62nd birthday, and my last day at work is Monday. Already have a one-way ticket to Chiang Mai for July 1st!
@briandumont7272 ,., Congratulations on choosing Chiang Mai, My mom lives there right now. By the way, when I went to Thailand a fews years back, I had a 1 way ticket leaving Los Angeles airport, while checking in, the airline ask for my return ticket or Onward ticket leaving Thailand. I didn't have it, but I convince them that since I was born in Thailand (Place of birth say Thailand on my U.S passport), they made me sign a paper that say the airline is not responsible if Thailand immigration doesn't let me enter the Kingdom for not having a return or onward ticket. So I suggest you book a flight out of Thailand around 30 days or less on your date of arrival, then cancel it after you are let into Thailand. By the way, I'm retired US Navy BMC (24 Years).
@@jonross8925I bought a throwaway ticket just in case, even though I have an Elite visa. And I did 12 years in the Navy. Took the buyout when Bush Sr. offered it to senior enlisted. Got out an MM1.
bp well high is very bad. some its heredity. bp needs to be checked at diffo times it changes. Plus my prostate c 2 year treatment was over 100k. yes, it was mostly covered by wifes plan.. like 99.9%.. 80% of men get it. yes that was 80%..
@@dennisdragomir7572 - Yep. I got rid of the ACE inhibitors, statins, beta blockers, diuretics and everything else. I mainly fast, intermittant fast, cut carbs, run and walk, and keep salt moderate. No drugs. Well worth getting off of those side effects. If I die, I die, but I feel so good in the process. The meds were stealing my life.
@@msgmak1379 says who lol? Retiring is literally leaving the job and stopping work. I retired at 30 with $500k invested at a 10% APY and could live as low as $10k annual expenses if needed. Meaning my assets in retirement were actually growing because I barely needed to take out. I only "work" now on projects that interest me, and it's hardly for money, I'm set there. Mostly boredom. Retirement is not an age, it's a number. If you have enough assets to cover your expenses for the remainder of your lifespan, well then there you go.
I have little savings ( under $20k) and no assets. I decided to quit my job trucking, and opt for early retirement, even though I will only get $1020 a month. I bought a small sailboat (26') and equip it with solar and a desalinator and retire to life with few luxuries, and that was before I watched this video, which confirmed the wisdom of my choice. Thank you, Paul.
@@OShackHennessy poor doesn't sound good, but neither does working until I die or end up in a nursing home. I intend to work part-time, but on my terms.
You forgot one "they lied" item. Those who say you need 1 or 2 million in the bank to retire are full of crap too. I retired at 62 while my health was still pretty good. I'm so, so glad I did. Did all the traveling and such things I wanted to do. Now at 73, and my health is going downhill, i didn't miss out on a decent, low cost, retirement.
If you stay in the United States you just might need that, depending on medical situation as well. But in the Philippines, you don't need nearly as much
Yup. People wait until 67 or 70 to retire and then they aren’t physically able to go on those dream retirement vacations that they planned while they were working. 5 years ago I did a 3 week vacation to several European countries at age 46. During those 3 weeks I walked over 130 miles. I probably won’t be able to do that at 70.
I guess i am full of crap full up too..got 3mill wife still works, I traveled all over in my 30s, business class.. lived in asia 2 times as a spoiled expat. not having monies and living in asia is not me. And i dont feel wealthy. I live humbly. works for me.
I totally agree with you. These fear mongers who spread fear by saying you need 1, 2 or even 5 million in the bank to retire are delusional. They say that because they want the people to hand over the money to them so they can manage and make a commission. They are greedy and probably will never enjoy their money. I know people who retire on $20,000 US plus SS and do just fine.
My husband quit his job at 61 and a half and filed for his SS benefit 4 months before his birthday. He will start receiving SS check in May, a month after his birthday in April. We will be flying to the Philippines in June for good. Do not wait any longer - in this life and situations around the world - there is no guarantee so might as well enjoy your life and time while you can.
My company shut down. I was on Unemployment for 6 months, turned 62, decided to retire .. first check in February ... bought my tickets, retiring in November to the Philippines.
@@ABritishBoyAndAFilipina The majority are men but I see older women here too , I ask one why she moved here and she said on 1100 a month social security she couldn't make in in America , here 1100 usd a month is little over a teachers salary .
I put in for retirement when I was 63 with a delayed date. I finally retired on the end of May. My first check was deposited in July. Make sure you're aware of when the paydate is, mine is on the 20th so the 3rd Wed of the month.
I was made redundant at the high of the Covid pandemic, this after having worked 36 years for the same company, aged 57. I suffered from anxiety, depression and was suicidal….no income and virtually unemployable I managed to scrape through with small jobs here and there until reaching the old ripe age of 60 then pack-up deciding it was now the time for me to retire and planning to draw from my social security next year….life is still sweet after all
This man right here just shared 30+ years of wisdom in a 32 minute video. So valuable. All this, for the price of a 👍🏼, subscribe and comment. Thank you sir.
Agree. My mother died two years after retiring and received only two years of her SS. My cousin died at 59 and never got to take her SS. Both contributed 30+ years to SS. I also have family members who've lived into their 80's+. But you just never know when your time will be up! Take SS as early as financially possible.
Paul, you're like Moses, leading us out of slavery thru the desert. Never would have thought to retire early. 65 and done. No regrets, You're the man. Thanks.
Hi Paul. Canadian who retired at 53. Bought a 36' sailboat and really started living!!! Presently been living in Dumaguete for the past 17 months and enjoying it to the most after living and sailing for 17 years first with a very small pension. Did fine, thank you very much!!!
Exactly what happened to me. I was a successful real estate agent and investor in Atlanta, lost everything car,house cashed out my 401. I was 54 yo. Fortunately I recovered and was able to retire at 61 and move to Thailand. When it all came crashing down, I returned to Youngstown Ohio where I grew up and left when I was 21. My father bought me a house in Youngstown for 30k. I lived there 5 years before returning to Atlanta. Things seem to happen for a reason, I was able to spend the last years of my mother and father's lives with them by returning to Youngstown. So a blessing in disguise.
Thank You!!!!!! I've been depressed because I don't have what "they" say I need to retire. I'm 60 have some real estate but these finance advisors are exhausting!! I live really simple don't need much!! Thx for encouraging
Good video Paul. I am 81 and retired at 77. Too late. The first thing I had when I retired was chemo. Not fun. It definitely looked like from my doctors that I would not finish out the year. I had just started making more money shortly before I retired and it is hard to walk away. My IRA just goes for taxes, so that is not fun. My wife had died in 2010 and I probably should have retired then.
@@IaintTheHerb I think most everyone by the time they are in their second half of their 70's is going to have things breaking. The question always is, what. Is it something important or a minor problem? About half of the people never make it that far.
As you age you (generally) become cash rich and time poor. Add to that the effect of time seeming to pass quicker as you age, and the argument for retiring as early as possible is pretty solid.
damn right me 47 now 65 ish.. i miss work NOT.. I planned my whole life to retire early and i did.. beat millionair next doors credo get divorced lost mill status..now 3 times over.. and life in america aint all bad.
I was going to retire at 62, but too scared. My job is very easy and I'm scared I will lose it when I leave. I only work half time right now, so the stress is very low. 65 sounds about right I think. Life is pretty good even while working so I think I'll stay put for now.
Paul, I just want to say, ever since you started doing your RU-vid channel, your face and body look not only younger but healthier. NO bullshit either. Cheers!
Dude definitely is looking good, Hes always had great hair too!! Needs to quit smoking next and take advantage of that affordable PI dental care to get those teeth shinny white and pretty
Have to agree....Paul looks fresher over the past year or two and if he quits the cancer sticks, his positive outlook will certainly see him into his eighties. May we all be so lucky.
You are NOT A LOSER you are a winner because you are living happy. You inspired me to quit my job at 52 im 50 now, and move ro to the Philippines. For real though!! Thanks 🙏🏻
Thank you, that was a great no nonsense advise; I'm 64 now and still thinking about retiring at 68+10 months for my full, but you are so right I'm a health insurance agents with a nice book of business and reality has a way of hitting you on the face as you see your 65+ clients drop dead around you, you did the right thing taking into account your halt at the time you reached your 62nd anniversary. thank you for your sincerity.
Insurance sales is where the money is at. I can understand waiting in your case. I'm thinking 64 or 65. If I drop dead 1 day after I retire....so what? I'll take my chances. Nobody can predict when they will die if there are no signs.
Thank You for sharing your story Paul, mine is a similar tale. I left the US in 2010 and have never regretted it. Living overseas is the perfect ending to a beautiful life, for this expat.
You are a smart and admirable guy. For an older guy (I too am 60) who lost a lot financially, you sure recovered well and made some great life choices. I worked for decades in IT and it had turned me into a stressed out monster that just couldn't walk away out of obligation to my family. Well, then my wife passed away unexpectedly at 52 and I just couldn't even force myself to it more than another year and a half. It's amazing how your mental and physical life can change for the better when you remove yourself from the ruthless treadmill. All the best to you sir and continued good health!
I retired when i was 63 as working another another 3 years after working 52 years didn't appeal to me. I had to lose £150 per month but it was worth it. 😊😊😊😊😊
One thing I learned from stock trading is that everyone talks their book(they are full of it). The conventional wisdom has an interest in you working as much and as long as possible to contribute to gdp instead of drawing from it.
I didn’t plan for anything, somehow I retired at 62, with close to 6k in pensions a month, $$$ in the bank, zero debt, VA health insurance at no cost covers 100%, divorced after 20 year marriage.. I was irresponsible with money and savings, couple things saved my butt, I bought a house and paid it off, had a good paying job the last 20 years. My military service. At 60 my wife kicked me out, she took control of both homes, all my savings, everything she planned it in advance and played me like a fiddle, she is 20 years younger and played the long game. I busted my butt and she became a Dr. Once money started rolling in, I was not needed anymore. Luckily my lawyer got me half of the proceeds from the sale of one of the homes. Things were really rough for me for a while. Now the dust has settled, hopefully I can retire somewhere in Asia, and not get taken for a ride , like great majority of expats.
THE DAMN LIBERAL DEMOCRAT SOROS JUDGES ALWAYS, I MEAN ALWAYS SCREW THE MAN OVER ! NOTHING IS EQUAL RIGHTS OR FAIR OVER THERE>>> 90 - 10 PRO WOMAN; AND SCREW THE MAN/ HUBBY/ FATHER. SORRY GUYS, THAT'S REALITY OF THE: CARTER, CLINTON, OBAMA, BIDEN AGENDA >>> ESPECIALLY IN COMMUNIST DEMOCRAT CONTROLLED BLUE CITIES & STATES.
Aww man, that suck that u married a b*itch, Working ur life, she made herself rich. Time to up-stakes and and live ur life, Come on over and get a Filipina wife. Theyre loving and caring and will be good to u, Just start of as friends is what u should do. Less stress, less angst, just treat them nice, Buy them adobo, chicken and rice.
There is potential for considerable wealth increase with the correct strategy. I want to know; How can one take advantage of compound interest and potentially grow your retirement savings/net-worth to about $3M over time?
An effective strategy serves as a cornerstone in an investor's portfolio. As the level of risk increases, so does the potential for reward, making it essential to seek advice from experienced professionals for making sound decisions.
Precise asset allocation is crucial, with some employing hedging strategies or allocating to defensive assets for market downturns. Expert guidance is vital for success. This approach has kept me financially secure for over five years, yielding almost $1 million in investment returns.
Monica Shawn Marti is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
I appreciate it. After searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
Thank You Paul, In my industry of employment the average life span after Retirement was 13 to 18 months, occupational hazards and exposure to unhealthy conditions. So I retired extremely early and waited for Social Security. No regrets.
Another excellent video, Paul. Thanks. The Association of Actuaries advise that at what age, and where we retire, depend on how much we have saved, our monthly social security checks. and our personal needs. Rule-of-thumb: a couple needs between USD $ 1,500 (rural) to $ 2,700 (city) a month to retire comfortably in the Philippines . Add 5% to inflation annually and $ 200,000 if we get a heart attack or stroke, or break the spine. Getting social security at age 62 means that we will get 30% less than what we will get at 67. Philippines, Thailand, Cambodia and Vietnam are very pleasant places to retire as an expat, but not when we get sick with no family or community support.
Paul, we lost our Azzs under Bush Jr.'s regime. I lost my job and, at 55, could not find work. So we made a plan: We sold our house just as the housing bubble popped. With that, we financed our retirement in the Philippines until 62. We still have a reserve thank goodness, and now live on 2/3 of our SS. I am 70, and my wife is 72. All I can say is that pulling the plug then was the right decision, and collecting at 62 was the right thing to do. You did the right thing.
Ole dog I think you're just the greatest guy... A breath of fresh air compared to all that marketing pollution on youtube. I've watched probably 100+ videos on youtube, including many of yours and others' and you're the first one I subscribed to. You're my inspiration and I think Philippines should appreciate you with a statue and a landmark plaque after you pass away at 120. All men, whatever their age, have a lot to learn from you... Wish I had met you at this your age when in my early teens. Your wisdom is priceless and if I were a woman, I'd fall in love with you even if only for your sense of humor. We need you!!
Man oh man are you living the dream…. I too am thinking about pulling the plug at 62. The stress of the cost of living, crime, politics in the USA is completely out of control…. I am a nurse and I love my job and taking care of people, but the amount of paperwork and bull crap is really got me thinking about taking the early retirement and working when and where I want…. You have no idea how much you have inspired me to definitely take a chance on ME…. Live your best life sir, I will be watching….
I'm 72, and in good health. I waited till age 70 to take my SS, and am so happy I did. But those who think they did the right thing taking SS ASAP may be correct FOR THEM. Everyone's financial situation, health, family longevity, etc. is different, and no one should be pushing their own narrow-minded view on anyone else! Control issues are ugly.
@@commonsense6967 True , I retired at 58 , 5 years military and 31 years coal mining , I lost 3,300 GM stocks at 56 each when the market crashed and then 250k in a divorce after that , I pretty much lost everything I worked for and went into a deep depression and my Philippina girlfriend saved me and changed my life forever . I'm so happy now that money isn't that important anymore . But I live good on my retirement in the Philippines .
This isn't about the math, it's not about the numbers. It's about a guy that got knocked down and had the crap beat out of him and then rose from the ashes to persevere and thrive. Thank god you had a moment of clarity and took stock of situation and ended up "beating the system". That's call WINNING!
Paul, don’t be so hard on yourself. We’re all winning and losing right beside you. I appreciate you, your wisdom, guidance and humor. Keep on keeping on. 👊🏻
So true, so true. My mother passed away a year ago 4 months before her 65th birthday.. she was holding out for the max on her benefits. I still can’t believe it. So I live and responsibly plan for old age, but now is the time too. Blessings, love and light to you all! 🤍🤍
Loved the end, raised in Hawaii, still here at 58 yrs old. Grew up with lots of filipinos....finally got back from my 1st trips to Phillipines. Im thinking if Hawaii is 81 average life expectancy, Phillipines might be 91😂😂😂. Thanks for the thoughts, been with ya since you started, and reminders, are always good to be reminded off 🎉🤙🏽🙏🏽
Hello Paul. Good video. I met a Filipino woman online last week planning to meet in person at the end of year.. I have SS just started at 63. I’m finishing my final work related project this year. Then off to my destination of the Philippines to retire with my half my age GF. I never took any pharmaceutical products in my life because my mom was anti-big-Pharma so our family learned to self medicate with nature’s remedies. This time next year I hope to be with my new life in the Philippines. Have a great day.
Vulnerability is a person’s strength I believe Paul, You being vulnerable in public it only shows you are a giant. I really appreciate your life stories, thank you! I truly believe you will live long life in love, happiness and good health. And this is what wish for you and your wife.
17:05 when you said roof over your head, transportation and food in your stomach I immediately thought about a hadith from prophet Muhammad: "When someone is secure in his property, healthy in his body and has his food for the day, it is as if he owned the entire world”. Meaning safety+trust+community/love, health bodily and spiritual and food to eat. 29:44 so before this video I watched a video on the Every Man Has a Story channel where you took an interview 2 years ago. Back then you had much more weight and I was thinking how come the difference was so noticeable. Now I know the answer, haha. What a coincidence I watched these two videos right after. You have great stories, Paul.
Paul, I have studied all the scenerio's and taking it at 62 is the best option for the 90% of avg. guys. I hate to tell you but you are no longer retired. Just because you collect SS doesnt mean you are retired. YOU (Paul) NOW work for RU-vid wether you want to admit it to yourself or not. I closed my RU-vid channel because I realized that exact thing. Great channel, love your honesty.
Sure it's lots of work putting these videos together, but Paul gets to meet all the coolest people from all over as a result. There is work you hate and work you can enjoy.
@@brettpower6508 That philosophy still holds true. He bought those things for his wife and he’s perfectly fine with walking away from them if things don’t work out between the two of them.
I could pull the plug now but am going to wait till 65. We spend time every year in Bohol and have a great business there so will be set up in a few years nicely I hope.
Hi @armandosanchez8901 Thanks for sharing! 😊 I'm glad you found the video helpful. It's important to be mindful of our financial decisions, especially in retirement. Keep spreading the word! 💯
Thank you dear paul for sharing ... Your life and all you went trough and all you experienced, led to that you are a person with good values ... I always enjoy watching your videos ...
Your experience is very enlightening. So many people were devastated by the great recession. You have found a way to make humble SS payments adequate for you in retirement. I am so glad that you discovered the Philippines and had the courage to make the move. I honestly never thought of living there until hearing your stories, thank you.
Great recession has been totally recovered by now, with extra monies..My investments 168k this year not including ss and dividens interest.. quit living in the past
Great job as always Sr. Paul . I once heard a quote that I’ve never forgotten. when you’re on your deathbed you will never say, I wish I would have spent more time at the office” !🎉❤
60. Lost it all twice. Also had a heart atack in October. But have a great Filipina nurse wife. I will keep working as long as I can, and trying to improve my physical state. I will keep you posted. We have a small place in Digos. I am working in the middle East until they kick me out :)
Another great video Paul. I agree about taking Social Security early at 62. My brother is a financial whiz who is a financial director at a Fortune 100 company. He says take your benefit at 62 which I plan on doing. I also plan on moving to the Philippines and enjoying my retirement. We don't know how much time we have left on this Earth and I look forward to the next chapter in my life.
Thank you for sharing your insight on early retirement especially Social Security. I retired in 2018 at 55 using my company 75 rule which is age (55)plus working years and so I left with a full pension and but was offered the worst medical insurance and that would have cost my wife and I $940 a month. I love to travel and our daughter is all grown up living on her own. I could have stayed in my home even with my pension, and I have a healthy brokerage and IRA account. But I decided to sell my home, car and almost everything else, but put some of my belongings in a small storage unit. I left the USA 6 years ago living and traveling to many different countries. Dental and Medical is very affordable outside the USA. In May I will be putting in for my Social Security at 62 after running the numbers my break even point is at 74 years old. We are going to Cebu in July 2024 for 6 to 8 months as our home base. Update I did my Social Security online with no issues and approved 2 days later.
I too had to decide when to start my Social Security. Everyone wonders how long they will live. I retired at age 59. I had a small pension from 22 years working for a factory that had closed. I took the big penalty and started collecting that paltry $366 per month. I then decide to wait as long as possible for my Social Security. I bought a condo from a chunk of my savings so I paid no rent. To make a long story short, I was able to wait until I was 66 years old and entitled to the higher rate. I did keep my nest egg and was able to live here comfortably in Thailand doing everything I wanted to do using that small pension and a bit of my expendable savings. I am now 79 years old so I made the right decision. I'm really happy I waited to start Social Security. I have a very comfortable surplus every month from Social Security and the small pension. If I had stared Social Security earlier, I would likely still have been OK financially but it feels good to have plenty of extra money because I waited.
Hi @garyaltenburger6667 Thanks for sharing your experience! It's great that you were able to wait until you were 66 years old to start collecting Social Security, as it resulted in a higher monthly payment. It's important to carefully consider when to start receiving Social Security benefits, as it can have a significant impact on one's retirement income. I'm glad that you were able to live comfortably in Thailand using your small pension and some of your savings. And congratulations on reaching the age of 79! 🎉
Paul, I don't think that you realize how many people you help with your videos! I do not want to sound odd but you inspire me. I am somewhat where you were. Thank you. If it is okay, I would like to ask you some questions sometime.
Hi @tyleranderson4721 Thanks for your kind words! 😊 It's great to have a supportive community like this. I'm glad you found the video helpful and informative. May you have a blessed day! 🙏
Health is Wealth Paul, staying fit buys you time. Time to enjoy the twilight years. Well done on being disciplined and keeping the body in good condition.
Paul, I always turn to your channel for sensible advice, to weed out the majority of these non-sensible and hyped advices from most of these You Tubers on one's life experience. Keep up the good work on grounded reality.
