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6 Retirement Essentials (Most people only prepared 2 or 3)

I'm planning for retirement most people focus 
mostly on marshaling together enough money you   know Financial Resources so that they can last 
the distance and then maybe at the back of their   heads they have some vague plan right perhaps 
two or three things to fill the time with a lot   of the times this is stuff like travel family 
well unfortunately I'm gonna say that's not   quite nearly enough for Preparation we ourselves 
have been retired for two years and going looking   back on the past two years I kind of see like 
six essential things that if you prep for it   beforehand before your retirement starts I think 
this can really make such a positive difference   to your retirement so that's what I wanted 
to bring up and discuss with you guys today   number one first and foremost of course we have 
to talk about money most people's concern is the   amount of money that they have in retirement 
whether it will last them till the end come   comfortably and allow them to afford the Hobbies 
like travel good food Etc but I actually think   after going through the last two years building up 
our financial Acumen is just as important if not   more so what do I mean by Financial Acumen I mean 
stuff like budgeting tracking projecting investing   I mean if you think about it the money in your 
bank account can always be squandered we all   know that story I think more importantly what's 
going to make your retirement more fireproof is   having an ability to generate more money where 
it came from in the first place so the second   essential thing that you can prepare for so that 
you have a wonderful retirement it's definitely   the ability to be self-directing and disciplined 
self-direction definitely helps so much with   spending your retirement days meaningfully right 
after all there are no more like work schedules   or like demands from colleagues or bosses to help 
shape your days anymore you have to be the person   to take charge in retirement there's a study out 
there actually that shows that for happily retired   folks most of them actually have about 3.6 core 
Pursuits that's what they say and the unheably   retired folks tend to have less than 3.6 corporate 
suits coming in at about 1.9 call Pursuits that's   what the study reflected I guess it kind of just 
shows in retirement you really need to fill your   life to the brim and keep busy with activities 
you love and that is a really great formula for   happiness and self-direction will help you 
to achieve that state as well as discipline   because if you think about it like discipline 
directly affects the state of your finances right   it affects whether you stick with your retirement 
planning whether you keep fit and active and you   get to maintain your health in retirement even 
whilst you're left up to your own devices even   to find your cover suits if you don't have any 
when you're starting or in your retirement so   discipline and self-direction will be like 
the building blocks for enjoying your life   in retirement the third essential thing you might 
want to work on and cultivate or happy retirement   is people skills right so studies and research 
have reflected very consistently that the main   determining factor for happiness and Longevity 
for most of us is actually relationships Human   Relationships friendships relationship with 
your spouse and with your family I guess if   you look at most of us you know we all have 
a little need of work on some social skills   in some aspect I mean some of us are a bit shy 
paper hats or graph or maybe socially anxious   working on our people skills really will help us 
to get along and live happily with our spouse and   family members and also importantly to make 
new friendships at whatever age we all know   that making new friends gets a lot more difficult 
as we get older I mean I haven't heard anyone say   otherwise for me personally making new friends 
as I get older is the biggest challenge there's   this huge feeling that nothing can replace 
friendships with people who have known you   all your life but it is also a challenge as I 
have chosen to exercise through Arbitrage in   our retirement and we've moved away from home 
so those friends aren't with us in our present   I find that it takes a lot of intention I have 
to consciously push myself to broaden my Social   Circles and make the effort to get to know people 
on a more intimate basis I am also very happy   to be able to say that it has paid off in that for 
the last two years in Bali I have actually made   two or three new friends that I'm happy to say are 
kindred spirits and not just social acquaintances   so that's very nice and it's a huge Comfort to our 
daily life here in a foreign land away from home   now before we move on a big thank you to 
Mumu Singapore for sponsoring this video   Singapore is an online trading platform for 
stocks ETFs and options I've been using the   MooMoo mobile trading app myself for almost 
a year now and I think it's awesome it's   fast intuitive trading US Stocks is commission 
free plus they give free level to data and many   more perks now for a limited time when you open a 
Mumu Singapore Universal account they'll give you   a year of commission free trading of Singapore 
stocks ETFs and reads if you're trading us and   Singapore stocks just switching to the MooMoo 
app will save you so much money already when   you deposit at least a hundred same dollars and 
start using the mobile app to trade you stand   to receive cash coupons up to 128 Sing dollars 
and even a free Coca-Cola share worth around 87   subscribe two thousand Sing dollars or more into 
funds on the MooMoo fun Hub and MooMoo will give   you cash coupons up to 150 Sing dollars subscribe 
at least 100 Sing dollar us to Momo cache plus   and they'll throw in an additional tensing 
dollars cashback altogether that's 368 Sing   dollars worth of Welcome rewards absolutely free 
just for using the Momo app so if you're actively   investing anyhow I recommend checking out the 
MooMoo ad using my link in the description below   now back to the video the fourth essential 
thing that you can definitely work on and that   will benefit your retirement tremendously it's 
actually courage you're definitely gonna need lots   of courage in retirement and I guess this isn't 
a skill exactly it's kind of more of a quality   but in retirement you need a lot of courage 
to even plunge into retirement you need the   courage to you know take that leap of faith to 
stop putting it off due to fear of the unknown   feel or financial insecurities so then it's all 
about courage at that stage not let fear and   insecurity rule your life and your decisions it 
is also the courage to recognize that in life at   the start at the end in the middle the Domino's 
you need are never all nicely lined up you know   at some point you just got to jump into it and 
then learn to cross the obstacles as they come   so for retirement long term I guess the 
biggest issue most commonly is always money   but my perspective on this is that hey budgets 
can always be reduced money can always be earned   or recouped or whatever happens so I still 
think that you know it is actually beneficial   to Advocate an approach whereby you get to 
a point where you feel that you have most of   your Ducks lined up you've planned well you've 
prepped for it grab hold of your courage with   both hands and then take the plunge people tend 
to think of retirement as the end but it's not   it's the start of a new phase where you should be 
trying so many new things new Pursuits new ways   to live and for each of these new adventures 
you're gonna need courage to take action and   once you have taken the plunge you'll find the 
next fifth thing very very useful and that would   be a mentality of resilience especially in early 
retirement there are a lot more decades ahead of   you you know and therefore a lot more chances that 
they things can go wrong whether it be down to bad   financial planning or perhaps an unexpected Health 
catastrophe or even sometimes natural disasters   whatever comes I guess you will always need that 
strength of Will and the resilience so that you   can roll with the punches and then get back up 
you want to know that you have the mental strength   that even if things go pear-shaped you won't just 
give up and lose hope and certain Corner you've   got to Marshall what you've got inside you go out 
there find Solutions perhaps if necessary you've   got to go back to work but know that later on 
you can return to retirement and try again so the   sex essential thing that I believe will benefit 
everyone in retirement is to cultivate an attitude   of gratitude we all know life is a very long 
journey hopefully at least and so much of what   we Chase using most of our years actually doesn't 
really matter in the big picture once you have   taken a step back and then at that point is when 
you start realizing the earlier you cultivate and   attitude of gratitude and that appreciation for 
the simple little things that are probably around   you everywhere every day the happier you probably 
will be and it sounds silly but it's not really   automatic I mean we all live and grow up and 
work and go to school in a society that kind of   innovates us with messages that we need to reach 
for more have more ambition gives us you know that   High definitions of success in life that we 
have to try to jump to reach and nobody sings   the Praises of the pleasures of a simple cup of 
tea you know the importance of family time with   your loved ones or or just the pleasure of being 
able to take an evening walk on the beach with   your dog so I think that it's very important that 
somebody reminds you that you know you can not   overload what you already have what you're already 
surrounded by growing that muscle of appreciation   so that in each and every moment you are present 
in your own life you see all the little Joys that   you're surrounded with every day and if you 
live life like that I think that will help   you achieve contentment with just the small stuff 
around you and that's what majority of your life   in retirement may be about is just a small stuff 
every day but in my own retirement here in Bali it   is what makes me so grateful and so happy every 
day that I am surrounded by my loving husband   and very interesting and independent little dog 
that's very very cute you know that we have very   comfortable a bit simple house we have the ability 
to enjoy good food even if it's simple stuff   from the war rooms locally we have a garden and 
beautiful things are growing around us every day   the weather is great you know stuff is good yeah 
I think this is one of the most essential simple   things that's often overlooked simply because it's 
a matter of mentality but I believe this essential   quality or characteristic could make all the 
difference for you so these are the six essential   things that I believe are very very important for 
you to cultivate and prepare for in the leader to   actually taking the plunge into a return then I 
think that if you have these six strong skills and   qualities going for you you will be in a position 
much more well placed to make the best out of your   retirement however long that period may be let me 
know what you think of my suggestions whether you   agree or if you think they suck let me know why 
but in any event I really appreciate you tuning   in and sharing my thoughts for this week and 
wherever you are in the world I'm wishing you   a happy Saturday evening and let's speak again 
next week till then you take care and bye for now

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F.I.R.E – 6 Uncomfortable Truths we discovered about Early Retirement & how to mitigate them

foreign hey what are the ugly sides to 
retiring early um aren't you bored every   day just lying around doing nothing don't 
you guys worry about running out of money hey guys welcome back to another beautiful 
day here in Paradise Bali many of you have   been asking me so many questions like the 
above so today I'm gonna run through six   uncomfortable truths about early retirement 
as well as my suggestions for mitigating them   based on our own experiences reaching fire and 
being retired here in Bali Indonesia for the   past two years so uncomfortable truth number 
one retirement is a journey not a destination   for the record lying around all day doing nothing 
in retirement is a myth it's always nice to have   a few days of that here and there but in reality 
you do that for long stretches of time and you're   probably going to be hit very very hard with 
feelings of boredom lack of self-worth and you're   gonna be missing a sense of fulfillment retirement 
isn't a destination like Bali or Boracay it really   is the start of a New Journey in your life it's 
that stretch of time where you finally do those   things you wanted to do but always couldn't 
because you were so busy making money to   survive it can be anything traveling the world 
finally writing that book or studying that say   cross stitch side hustle if you never get past the 
myth you'll probably end up getting bored and then   end up going back to work and missing out on this 
Amazing Life Adventure so like every other journey   start planning what is this epic adventure you 
want to spend your retirement time and money on number two if you got bored during your 
retirement stuff maybe you're doing it wrong   so for a lot of people their retirement Jam 
is about traveling the world right that's a   super common one and it's amazing fun you never 
feel more alive and it's such a great challenge   because actually you need so many different skills 
to travel properly right you need Street smarts to   navigate the towns and scams and other issues 
on the road you need to be able to plan your   itinerary book the best travel deals know how 
to haggle your prices not to mention stuff like   riding a motorbike and scuba diving and at the 
start it's always epic it's so incredible but on excitement and sense of achievement starts to 
plateau and then you're gonna hit that point   of diminishing returns and it wasn't just 
in travel either it was also my painting my   businesses my surviving The Nomad life thingy I 
find that when love to remain largely undirected   most Pursuits actually tend to lose their flavor 
with time another way of putting this is perhaps   you feel yourself falling into stagnation or 
mediocrity thing is if you're early retired on   your own efforts then you're probably more of 
the go-getter and achiever type of person and   the aspect of your personality doesn't 
change just because you're tired you'll   still be looking around and judging if you're 
spending your time meaningfully and productively   to this fix personally I found two solutions 
that worked really well for me one either I   start drilling deep down into the details of 
what I'm doing or two I make it into a business   take my dad baking is his great love in retirement 
but he's not just begging anyhow for the fun of   it the last few years he's in pursuit of baking 
a tastier sourdough bread anyone has ever come   across out of 365 days in a year he is probably 
baked about I'm guessing maybe 400 sourdough   loaves two loaves each bake he tweaks the recipes 
the starter the technique the ingredients he does   some reverse engineering of sourdough bread that's 
commercially sold outside it's been maybe three   years and he's still going strong so he set his 
own special sourdough bread goal and Target and   standards instead of just serving and yogurting 
for fun I became qualified instructors in both   and eventually started both a yoga business and 
a surf school and you know I learned so much   more about both in the whole process whatever 
Pursuit out there if you start really drilling   down there's always more Improvement to be had 
more personal growth to pursue please say you love   Pottery don't just do it aimlessly to pass time 
polish up your skills enter competitions become   a professional Potter do commissions as your 
retirement side hustle or teach pottery classes   when you keep pushing yourself to those higher 
standards because you're either really drilling   down into the craft of it or you're running it 
as an Enterprise you'll find new measures of   productivity therein and you will be bored not to 
mention if you're actually like us on lean fire   whatever site income you generate will help defray 
the cost of your interests and hobbies so you   don't need to tap on your long-term Investments 
isn't that a really good deal so two years ago   at the age of 38 I retired with my husband here 
in Bali it's pretty early by most standards and   it's been a completely amazing journey we've 
learned a lot and I hope the insights we are   sharing with you guys are useful if you're on 
your own fire Journey or already neck deep in   retirement smack that like button share with us in 
the comments below what your retirement looks like   so far how you're keeping busy and whether you 
agree or disagree with the points we made here   now on to the third uncomfortable truth it's 
hard that you must defend your time you probably   retired so you can spend your time doing however 
you please whenever you please most of us will   have spent the vast majority of Our Lives 
thus far making a living which means usually   someone else is directing your time either your 
boss or your clients and we get really used to   that so then in retirement self-directing your 
time becomes something new and kind of foreign   and if you look at retired folks in Singapore 
after working jobs that entire lives most of   them graduate on in retirement working as free 
child care services for their grandchildren   if that's their ultimate dream and for some 
traditional older folks it definitely is then   it's wonderful I'm really happy for them but 
for some it may not really be that but they   find themselves doing it anyway kind of like by 
default because they're just so used to allowing   someone else to direct their time for them there's 
always going to be people around who will try to   take advantage of your free time asking you to 
run errands for them perhaps or like for us here   in Bali we get so many requests from both people 
we know personally and complete strangers of the   internet asking us to do stuff like plan their 
holidays show them around Bali Etc of course we   love hosting close friends and family and we 
enjoy helping people generally but sensibly   speaking our own private lives would just vanish 
if we were to entertain all the requests we get   you'll need to learn how to say no to people and 
how to strike balance retirement is as much about   sharing your time with the people who matter 
to you as it is about having time for your own   personal growth and development just be aware 
uncomfortable truth number four it's probably   gonna be just you and your significant other from 
now on out so upon retirement your social scene is   going to change drastically everyone else is at 
work or busy with their own stuff you're either   gonna have to learn to enjoy your own company 
a lot or if you're lucky enough to have retired   with your significant other that's who you'll 
probably be spending majority of your retirement   with so best learn to get along companionably good 
communication is key as it's just generally being   a considerate and respectful human being through 
the pandemic and on the road this past decade   I've seen so many people who seem really surprised 
by the person the other half truly is when they   start retirement and start traveling together 
24 7 a day but building that Comfort to do   stuff by yourself and building that wonderful 
relationship with your other half can also   possibly be the most rewarding part of your 
retirement journey and your personal growth   before I share with you the fifth uncomfortable 
truth just the quick word from our sponsor of   today's video MooMoo Singapore the stock 
market is historically one of the most   popular ways to be invested I myself hold 
a select number of U.S Blue Chip stocks and   ETFs and for over 10 months now I've been using 
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data and even level 2 quotes plus the super   competitive commission costs including trading U.S 
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Singapore get a Kickstart with the investor   starting kit worth up to 2086 dollars when you 
sign up and deposit a hundred Sing dollars into   the moon Universal account will neutrals in two 
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uncomfortable truth number five your money plans   are never as foolproof as you think all retirement 
whether it's the regular kind or fire really all   boils down to the financial planning behind it 
right and the most uncomfortable truth of all   may be that your retirement funds are never 
as foolproof as you plan for especially if   your plans are supposed to spend 30 40 even 50 
years in the case of early retirement expert   predictions and assumptions go wrong you made a 
mistake in your portfolio planning because of all   the buyers that we all carry Bear markets happen 
blacks on events gray Rhino events so many things   no matter the plan no matter how much stress 
testing you did before you dove into it the   unexpected often happens and the sooner you come 
to terms with this uncomfortable truth the sooner   you can move on to hatching against the risks 
You can predict most retirees they're working   their financial planning and less Aid around 
the four percent drawdown rule right so the   U.S stock market has had a phenomenal Run for the 
last 10 12 years or so now of course things are   looking a little different for the foreseeable 
future so those who have been conservative and   who have refrained from tapping their long-term 
investments will have more breeding space now   to ride out this bear Market however long it may 
last friends who have been following our journey   for a while now know that a dominant portion of 
our retirement here in Bali consists of rental   income from a number of real estate Investments 
and unfortunately in the last two years since   we started retirement Europe is a game at War 
soaring Energy prices have driven up the cost   of living across the world and everywhere massive 
inflation is now a huge issue thankfully we have   so far managed to resolve whatever disruptions 
we've experienced but basically yet another   uncomfortable truth in retirement is that managing 
your money to make it last till the end takes up   more time than you think don't just go to sleep on 
it continually look to diversify the eggs in your   basket and be open to adjusting your money plans 
like rebalancing your portfolio or changing how   you invest your retirement Arsenal as different 
opportunities present themselves for time you may   not need to work for money any longer but doing 
stuff that fuels your personal growth and that   generates some extra side income as a bonus is 
never a Bad Thing uncomfortable truth number six   no point sweating the small stuff y'all know I'm 
a big fan of simple frugal living and no pretenses   whereas happy dining in a fancy restaurant 
as we are eating at the local War rooms here   sometimes more happy actually but many of us 
can also easily get carried away diving into   with the itsy bitsy details of frugal living you 
know spending two hours here looking up deals and   coupons that end up saving you 10 bucks three 
hours there figuring out how to maximize your   air miles should you lock in that 3.5 fixed 
deposit rate now or wait till next week where   maybe it might be 3.7 I mean it can be fun 
and then it can also be a lousy use of your   time you can do it if you enjoy the challenge 
just know that so long as you get the big stuff   right your retirement is probably going to work 
out just fine so don't sweat the small stuff   big things include stuff like keeping on top 
of your overall General expenses you know doing   your taxes right maintaining a balance then 
Diversified portfolio so as long as you keep   on top of all of that I think that's about 95 of 
the big picture really conversely what I'm also   saying is that if you blow up your retirement 
finances by for example trying to go big or go   home on crypto no amount of coupon cutting is 
gonna save you from having to go back to a job   so yeah that's my take on not sweating the small 
stuff we're all retire at some point of Our Lives   whether early or late voluntarily or unwillingly 
it all boils down to choice and advanced planning   just what I've personally observed is that if 
you cut out all the noise and distraction in   life what do you think are the real currencies we 
truly traded the way I see it is four things it's   money time Youth and health just think about it 
everything we do throughout our entire lives is   really us trading one of these for the other an 
early retirement is that one anomaly where you are   in a position to spend all four currencies at once 
simultaneously and that maximizes your experience   of life a really clear illustration of this is 
traveling you can travel in your 60s and 70s sure   that's what most people will end up doing and it's 
great you know you see these folks really enjoying   seeing new things being very happy but it's often 
in the form of like lots of cruise trips around   the world and that's cool too but they'll never 
experience what it's like to try learning to surf   or sail and getting all salty and burned and 
muscle achy but happily exhausted oh they'll   never try anything more vigorous and adventurous 
like say backpacking your way through Europe you   know crushing in new hostels meeting crazy people 
from Iceland or wherever and doing silly things   together we all have two lives the life that we 
currently live and the life we could possibly live   so then which life would you choose tell me in 
the comments below and don't tell me you wouldn't   retire early because you just wouldn't really know 
what to do that's just a cop-out answer because   yeah well you're too lazy to do the legwork 
and try new stuff and understand yourself   thanks for watching as always speak 
again next Saturday bye foreign

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6 Retirement Essentials (Most people only prepared 2 or 3)

I'm planning for retirement most people focus 
mostly on marshaling together enough money you   know Financial Resources so that they can last 
the distance and then maybe at the back of their   heads they have some vague plan right perhaps 
two or three things to fill the time with a lot   of the times this is stuff like travel family 
well unfortunately I'm gonna say that's not   quite nearly enough for Preparation we ourselves 
have been retired for two years and going looking   back on the past two years I kind of see like 
six essential things that if you prep for it   beforehand before your retirement starts I think 
this can really make such a positive difference   to your retirement so that's what I wanted 
to bring up and discuss with you guys today   number one first and foremost of course we have 
to talk about money most people's concern is the   amount of money that they have in retirement 
whether it will last them till the end come   comfortably and allow them to afford the Hobbies 
like travel good food Etc but I actually think   after going through the last two years building up 
our financial Acumen is just as important if not   more so what do I mean by Financial Acumen I mean 
stuff like budgeting tracking projecting investing   I mean if you think about it the money in your 
bank account can always be squandered we all   know that story I think more importantly what's 
going to make your retirement more fireproof is   having an ability to generate more money where 
it came from in the first place so the second   essential thing that you can prepare for so that 
you have a wonderful retirement it's definitely   the ability to be self-directing and disciplined 
self-direction definitely helps so much with   spending your retirement days meaningfully right 
after all there are no more like work schedules   or like demands from colleagues or bosses to help 
shape your days anymore you have to be the person   to take charge in retirement there's a study out 
there actually that shows that for happily retired   folks most of them actually have about 3.6 core 
Pursuits that's what they say and the unheably   retired folks tend to have less than 3.6 corporate 
suits coming in at about 1.9 call Pursuits that's   what the study reflected I guess it kind of just 
shows in retirement you really need to fill your   life to the brim and keep busy with activities 
you love and that is a really great formula for   happiness and self-direction will help you 
to achieve that state as well as discipline   because if you think about it like discipline 
directly affects the state of your finances right   it affects whether you stick with your retirement 
planning whether you keep fit and active and you   get to maintain your health in retirement even 
whilst you're left up to your own devices even   to find your cover suits if you don't have any 
when you're starting or in your retirement so   discipline and self-direction will be like 
the building blocks for enjoying your life   in retirement the third essential thing you might 
want to work on and cultivate or happy retirement   is people skills right so studies and research 
have reflected very consistently that the main   determining factor for happiness and Longevity 
for most of us is actually relationships Human   Relationships friendships relationship with 
your spouse and with your family I guess if   you look at most of us you know we all have 
a little need of work on some social skills   in some aspect I mean some of us are a bit shy 
paper hats or graph or maybe socially anxious   working on our people skills really will help us 
to get along and live happily with our spouse and   family members and also importantly to make 
new friendships at whatever age we all know   that making new friends gets a lot more difficult 
as we get older I mean I haven't heard anyone say   otherwise for me personally making new friends 
as I get older is the biggest challenge there's   this huge feeling that nothing can replace 
friendships with people who have known you   all your life but it is also a challenge as I 
have chosen to exercise through Arbitrage in   our retirement and we've moved away from home 
so those friends aren't with us in our present   I find that it takes a lot of intention I have 
to consciously push myself to broaden my Social   Circles and make the effort to get to know people 
on a more intimate basis I am also very happy   to be able to say that it has paid off in that for 
the last two years in Bali I have actually made   two or three new friends that I'm happy to say are 
kindred spirits and not just social acquaintances   so that's very nice and it's a huge Comfort to our 
daily life here in a foreign land away from home   now before we move on a big thank you to 
Mumu Singapore for sponsoring this video   Singapore is an online trading platform for 
stocks ETFs and options I've been using the   MooMoo mobile trading app myself for almost 
a year now and I think it's awesome it's   fast intuitive trading US Stocks is commission 
free plus they give free level to data and many   more perks now for a limited time when you open a 
Mumu Singapore Universal account they'll give you   a year of commission free trading of Singapore 
stocks ETFs and reads if you're trading us and   Singapore stocks just switching to the MooMoo 
app will save you so much money already when   you deposit at least a hundred same dollars and 
start using the mobile app to trade you stand   to receive cash coupons up to 128 Sing dollars 
and even a free Coca-Cola share worth around 87   subscribe two thousand Sing dollars or more into 
funds on the MooMoo fun Hub and MooMoo will give   you cash coupons up to 150 Sing dollars subscribe 
at least 100 Sing dollar us to Momo cache plus   and they'll throw in an additional tensing 
dollars cashback altogether that's 368 Sing   dollars worth of Welcome rewards absolutely free 
just for using the Momo app so if you're actively   investing anyhow I recommend checking out the 
MooMoo ad using my link in the description below   now back to the video the fourth essential 
thing that you can definitely work on and that   will benefit your retirement tremendously it's 
actually courage you're definitely gonna need lots   of courage in retirement and I guess this isn't 
a skill exactly it's kind of more of a quality   but in retirement you need a lot of courage 
to even plunge into retirement you need the   courage to you know take that leap of faith to 
stop putting it off due to fear of the unknown   feel or financial insecurities so then it's all 
about courage at that stage not let fear and   insecurity rule your life and your decisions it 
is also the courage to recognize that in life at   the start at the end in the middle the Domino's 
you need are never all nicely lined up you know   at some point you just got to jump into it and 
then learn to cross the obstacles as they come   so for retirement long term I guess the 
biggest issue most commonly is always money   but my perspective on this is that hey budgets 
can always be reduced money can always be earned   or recouped or whatever happens so I still 
think that you know it is actually beneficial   to Advocate an approach whereby you get to 
a point where you feel that you have most of   your Ducks lined up you've planned well you've 
prepped for it grab hold of your courage with   both hands and then take the plunge people tend 
to think of retirement as the end but it's not   it's the start of a new phase where you should be 
trying so many new things new Pursuits new ways   to live and for each of these new adventures 
you're gonna need courage to take action and   once you have taken the plunge you'll find the 
next fifth thing very very useful and that would   be a mentality of resilience especially in early 
retirement there are a lot more decades ahead of   you you know and therefore a lot more chances that 
they things can go wrong whether it be down to bad   financial planning or perhaps an unexpected Health 
catastrophe or even sometimes natural disasters   whatever comes I guess you will always need that 
strength of Will and the resilience so that you   can roll with the punches and then get back up 
you want to know that you have the mental strength   that even if things go pear-shaped you won't just 
give up and lose hope and certain Corner you've   got to Marshall what you've got inside you go out 
there find Solutions perhaps if necessary you've   got to go back to work but know that later on 
you can return to retirement and try again so the   sex essential thing that I believe will benefit 
everyone in retirement is to cultivate an attitude   of gratitude we all know life is a very long 
journey hopefully at least and so much of what   we Chase using most of our years actually doesn't 
really matter in the big picture once you have   taken a step back and then at that point is when 
you start realizing the earlier you cultivate and   attitude of gratitude and that appreciation for 
the simple little things that are probably around   you everywhere every day the happier you probably 
will be and it sounds silly but it's not really   automatic I mean we all live and grow up and 
work and go to school in a society that kind of   innovates us with messages that we need to reach 
for more have more ambition gives us you know that   High definitions of success in life that we 
have to try to jump to reach and nobody sings   the Praises of the pleasures of a simple cup of 
tea you know the importance of family time with   your loved ones or or just the pleasure of being 
able to take an evening walk on the beach with   your dog so I think that it's very important that 
somebody reminds you that you know you can not   overload what you already have what you're already 
surrounded by growing that muscle of appreciation   so that in each and every moment you are present 
in your own life you see all the little Joys that   you're surrounded with every day and if you 
live life like that I think that will help   you achieve contentment with just the small stuff 
around you and that's what majority of your life   in retirement may be about is just a small stuff 
every day but in my own retirement here in Bali it   is what makes me so grateful and so happy every 
day that I am surrounded by my loving husband   and very interesting and independent little dog 
that's very very cute you know that we have very   comfortable a bit simple house we have the ability 
to enjoy good food even if it's simple stuff   from the war rooms locally we have a garden and 
beautiful things are growing around us every day   the weather is great you know stuff is good yeah 
I think this is one of the most essential simple   things that's often overlooked simply because it's 
a matter of mentality but I believe this essential   quality or characteristic could make all the 
difference for you so these are the six essential   things that I believe are very very important for 
you to cultivate and prepare for in the leader to   actually taking the plunge into a return then I 
think that if you have these six strong skills and   qualities going for you you will be in a position 
much more well placed to make the best out of your   retirement however long that period may be let me 
know what you think of my suggestions whether you   agree or if you think they suck let me know why 
but in any event I really appreciate you tuning   in and sharing my thoughts for this week and 
wherever you are in the world I'm wishing you   a happy Saturday evening and let's speak again 
next week till then you take care and bye for now

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Retired at 38: 5 strong reasons to retire as soon as you can (Retirement Planning)

so early retirement has actually improved our 
health so much that I actually think we'll be   avoiding higher health care costs down the line 
that may actually lead into our retirement funds   and then early retirement has also allowed us 
to achieve a state of intuitive living which   has been absolutely awesome financially the 
conventional wisdom is that early retirement   could potentially be disastrous but frankly 
I think so far two years into retirement that   our early retirement has been great for us 
financially these plus two or three more are   just some of the very strong reasons why I would 
Advocate that anyone considering retirement should   do so as early as possible let me explain why 
down below hey I'm Jean and for the past two   years I've been retired in Bali Indonesia 
with my husband today I wanted to discuss   about all these reasons why I think retiring 
as early as you can is a brilliant idea [Music]   so Health basically don't wait till it's too late 
I think that when most people think about health   and retirement planning they just kind of hope 
and assume that they will be in good health when   they enter retirement and then that they pray it 
remains status quo until the end but I guess most   of us pre-retirement might be involved in jobs 
that might be high stress with long hours at   the desk and then naturally Fitness just isn't 
what ideally it should be so all my life I've   been struggling with skin rashes and allergies and 
these issues tend to pop up every time my immunity   gets low because I'm stressed I'm tired I'm taxed 
but truly in the two years since we have been   retired the manifestation of all these problems 
have just gone down so much in retirement mode   I'm happily keeping very fit doing all the things 
that I know of like surfing walking the dog with   the hubby eating better overall probably further 
down the line maybe I might be avoiding higher   healthcare costs having this health is actually 
so much wealth it allows you to live life to the   fullest because frankly all the stuff that you 
want to do in your enjoyment of Life probably   involves a lot of Health you want to travel 
you want to scale that mountain at Sunrise to   see that incredible view you need your help even 
just to enjoy good food if you like us you like   to eat you need your health I mean I know so many 
people who have dietary restrictions because of   high cholesterol or diabetes improving health is 
actually one of the biggest and strongest reasons   why you should retire early so the second big 
reason for wanting to retire ASAP is actually   intuitive living basically intuitive living is 
really connecting with yourself and listening to   your garden stings and your feelings as to stuff 
like eating and rest and meditation relationships   even your spending habits perhaps I don't know 
how it is for you guys but I was generally living   my life governed by a lot of shirts right I 
mean I should be at the office by 9am so that   I won't piss off the bosses I should stay in 
the office stay late and postpone my workout   postpone dinner so I can meet the deadline set by 
my clients I should carry branded Handbags and of   course I should be a corporate lawyer I mean why 
would I want to be anything else right finally   in retirement we are free from the demands of the 
pursuit of money to listen to ourselves to truly   tune in and understand what is the optimum cause 
in life you can chart you really want to wake up   every day without an alarm clock naturally because 
you've had enough sleep you want to eat only   enough and not too much I mean you want to make 
better choices food wise intuitive exercise you   know you're doing what really only appeals to you 
maybe you don't like sweating in the afternoons   so then you know get a gym membership or play 
indoor record Sports whatever works for you I   only wish that more people have the opportunity 
to experience living life this way intuitively   away from the entanglements and distractions 
from regular running the hands the real life   the third reason why you might want to retire 
as soon as possibly is just that the earlier   you retire the more time you gain in life I 
mean if you think about it most of us live   life as though we are invincible as if life 
itself will never run out and therefore we do   things like squander our time or sell it away too 
cheaply in exchange for material things we each   only have so long to live right and the money you 
make in your lifetime you can't bring that with   you when you go home so well might as well you'll 
be the one to spend it when you can right Society   feeds us like so many different narratives 
about success and what it should look like   but actually I think success is really not 
about the achievements per se but it's just   really a Feeling and I like to think that at 
the end of our Lives when we're there in our   last dying moments what we'll be thinking 
about probably wouldn't be like stuff like   oh I closed that three billion dollar deal I 
think it would more be along the lines of like   I had good friends and I loved my family I had 
a good life you know I ate good food I laughed   Lots I took care of my kids and my dog stuff like 
that so don't squander the time that we each have   maybe you have personal goals that you really 
want to achieve stuff like learning Spanish or   scaling the Great Wall of China or just 
watching your kids grow up that's just a   million places that are better to spend your 
time at then at a job which you don't really   particularly care for and which maybe you're just 
doing just cause that's what everyone else is   before we move on a big thank you to 
skillshare for sponsoring this video   so skillshare is an online learning community with 
thousands of classes for anyone who loves learning   if 2023 is the year you promised yourself 
you're gonna finally explore new career or   side hustle options or work on personal growth 
then skillshare is the perfect place to start   for me one of the ways we have fun in our 
retirement is making YouTube videos when we   first started skillshare was instrumental 
in teaching us so many of the basics like   videography storytelling and more till today 
one of the best classes I ever sat through   online anywhere is still the class by Sorel Amore 
YouTube success build an authentic Channel that's   worth the follow so her advice about finding my 
Niche valuing authenticity over Beauty creating   meaningful messages and providing value to the 
audience really changed our perspectives on what   we were creating back then for the better of 
course we've gone from like 40 Subs to the 143   000 Subs of today and from time to time I still 
pull up sorel's worksheet when I'm creating   my videos just to check that I'm on track for 
making something good for our people our audience   it's always super easy to take whatever you learn 
on skillshare and apply it directly to your life   Pursuits whatever those may be I highly recommend 
checking out skillshare and if you want to do that   you can use my link in the description below the 
first 1000 people will get one month of skillshare   absolutely free you can try it out learn something 
new move a step closer to your 2023 goals reason   number four the earlier you start your retirement 
the better you'll get at it with every other   change in life we expect that we all need time to 
learn how to do it well so things like becoming   apparent for the first time even if like us it's 
just a fur kid or transitioning from being a   student to being a working adult and then there's 
the transition from being and actively working   adult to retirement mode it seems ridiculous and 
silly even at first I mean it's like saying who   doesn't know how to spend their free time right 
but if you actually truly observe things around   you retirement Falls really differently for 
different people we all know the people who   have retired and in their retirement seem a 
little lost lonely left behind and uninspired   and then there's the other kind of retired people 
right the ones who go like when we're talking that   I'm gonna grab Life by the balls and Max things 
out a big part of that may actually be the point   in life at which you retire whether at that point 
where you retire you still have your zest your   Zeal your energy your health your Fitness to help 
you max out the happiness potential of that free   time and freedom in retirement and then there's 
the thought that retirement supposed to stretch   out for a few good years at least right if not 
for a few decades and doing that requires skills   you know you need so many different skills to 
have a successful retirement I think that's a   topic for another day but basically you need time 
to learn those skills whether it's Financial money   management or social skills you know building 
relationships and stuff but basically you need   time to get all that down pat in order to have 
a successful retirement so then the earlier you   retire the better usually you will probably 
turn out for you so the last and possibly the   most controversial point I think that early 
retirement could possibly be great for you   financially and this is controversial because it's 
directly opposite to what a lot of the experts say   right you retire too early there's so much risk 
that you miscalculate your finances or that world   events take an unexpected turn and then you know 
things go belly up and then you're destitute in   your last years but I mean underlying all that 
seems to be this assumption that in retirement   we're all just going to be like one dead lazy log 
and I think that these days especially if you're   an early retiree that is just so not true maybe 
like us with YouTube in our retirement in your   own retirement maybe you'll learn new skills pick 
up new side hustles and stay busy doing something   that you're doing for the love of it for the fun 
not for the money but having the money come in as   a result of your side hustle is a nice bonus and 
you know what it becomes an additional buffer for   your later years so retiring early also allows you 
to take advantage of things like dual Arbitrage   Right Moving overseas to improve your financial 
situation and yeah so like us I'm from Singapore   but I'm now retired here in Bali Indonesia we're 
not just here because life is more affordable but   the fact is that our retirement sums in fact our 
whole entire retirement is only possible because   living here is so much more affordable as compared 
to back home you know this wouldn't be possible at   all if we retiredly and ended up having health 
concerns right mobility issues for example   retiring early and then using the time to keep up 
with current affairs learning hedging strategies   to minimize risk learning how to diversify our 
Investment Portfolio I feel that the time in our   retirement has been well spent to actually make 
us more resilient and the fact that we retired so   early also means that if anything goes badly up 
time and youth are on our side if our financial   planning for retirement had just sucked or you 
know things unexpectedly go failure so prepare you   know if we have to U-turn and go back to work or 
maybe start another business it's not a big deal   and then we'll go off Marshall the resources 
that we lack and then we'll come back again   and second time around third time around will 
definitely be better each time at doing this   so in terms of confidence and the feeling of 
resilience that we will be able to make this   last all the way I think that starting 
early doing it early diving into it and   understanding the parameters the potential 
the boundaries of what we face in retirement   actually really really helps well guys so 
these are the few takeaways from our last   two years living in retirement here in Bali and 
I mean if you have any thoughts or objections or   contributions to the points that I've made in 
this video I'll love to hear them let's start   a little discussion in the comments below you 
guys have a good week ahead wherever you are   and let's chat again next Saturday thank you 
for watching and bye-bye have a good weekend

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F.I.R.E – 6 Uncomfortable Truths we discovered about Early Retirement & how to mitigate them

foreign hey what are the ugly sides to 
retiring early um aren't you bored every   day just lying around doing nothing don't 
you guys worry about running out of money hey guys welcome back to another beautiful 
day here in Paradise Bali many of you have   been asking me so many questions like the 
above so today I'm gonna run through six   uncomfortable truths about early retirement 
as well as my suggestions for mitigating them   based on our own experiences reaching fire and 
being retired here in Bali Indonesia for the   past two years so uncomfortable truth number 
one retirement is a journey not a destination   for the record lying around all day doing nothing 
in retirement is a myth it's always nice to have   a few days of that here and there but in reality 
you do that for long stretches of time and you're   probably going to be hit very very hard with 
feelings of boredom lack of self-worth and you're   gonna be missing a sense of fulfillment retirement 
isn't a destination like Bali or Boracay it really   is the start of a New Journey in your life it's 
that stretch of time where you finally do those   things you wanted to do but always couldn't 
because you were so busy making money to   survive it can be anything traveling the world 
finally writing that book or studying that say   cross stitch side hustle if you never get past the 
myth you'll probably end up getting bored and then   end up going back to work and missing out on this 
Amazing Life Adventure so like every other journey   start planning what is this epic adventure you 
want to spend your retirement time and money on number two if you got bored during your 
retirement stuff maybe you're doing it wrong   so for a lot of people their retirement Jam 
is about traveling the world right that's a   super common one and it's amazing fun you never 
feel more alive and it's such a great challenge   because actually you need so many different skills 
to travel properly right you need Street smarts to   navigate the towns and scams and other issues 
on the road you need to be able to plan your   itinerary book the best travel deals know how 
to haggle your prices not to mention stuff like   riding a motorbike and scuba diving and at the 
start it's always epic it's so incredible but on excitement and sense of achievement starts to 
plateau and then you're gonna hit that point   of diminishing returns and it wasn't just 
in travel either it was also my painting my   businesses my surviving The Nomad life thingy I 
find that when love to remain largely undirected   most Pursuits actually tend to lose their flavor 
with time another way of putting this is perhaps   you feel yourself falling into stagnation or 
mediocrity thing is if you're early retired on   your own efforts then you're probably more of 
the go-getter and achiever type of person and   the aspect of your personality doesn't 
change just because you're tired you'll   still be looking around and judging if you're 
spending your time meaningfully and productively   to this fix personally I found two solutions 
that worked really well for me one either I   start drilling deep down into the details of 
what I'm doing or two I make it into a business   take my dad baking is his great love in retirement 
but he's not just begging anyhow for the fun of   it the last few years he's in pursuit of baking 
a tastier sourdough bread anyone has ever come   across out of 365 days in a year he is probably 
baked about I'm guessing maybe 400 sourdough   loaves two loaves each bake he tweaks the recipes 
the starter the technique the ingredients he does   some reverse engineering of sourdough bread that's 
commercially sold outside it's been maybe three   years and he's still going strong so he set his 
own special sourdough bread goal and Target and   standards instead of just serving and yogurting 
for fun I became qualified instructors in both   and eventually started both a yoga business and 
a surf school and you know I learned so much   more about both in the whole process whatever 
Pursuit out there if you start really drilling   down there's always more Improvement to be had 
more personal growth to pursue please say you love   Pottery don't just do it aimlessly to pass time 
polish up your skills enter competitions become   a professional Potter do commissions as your 
retirement side hustle or teach pottery classes   when you keep pushing yourself to those higher 
standards because you're either really drilling   down into the craft of it or you're running it 
as an Enterprise you'll find new measures of   productivity therein and you will be bored not to 
mention if you're actually like us on lean fire   whatever site income you generate will help defray 
the cost of your interests and hobbies so you   don't need to tap on your long-term Investments 
isn't that a really good deal so two years ago   at the age of 38 I retired with my husband here 
in Bali it's pretty early by most standards and   it's been a completely amazing journey we've 
learned a lot and I hope the insights we are   sharing with you guys are useful if you're on 
your own fire Journey or already neck deep in   retirement smack that like button share with us in 
the comments below what your retirement looks like   so far how you're keeping busy and whether you 
agree or disagree with the points we made here   now on to the third uncomfortable truth it's 
hard that you must defend your time you probably   retired so you can spend your time doing however 
you please whenever you please most of us will   have spent the vast majority of Our Lives 
thus far making a living which means usually   someone else is directing your time either your 
boss or your clients and we get really used to   that so then in retirement self-directing your 
time becomes something new and kind of foreign   and if you look at retired folks in Singapore 
after working jobs that entire lives most of   them graduate on in retirement working as free 
child care services for their grandchildren   if that's their ultimate dream and for some 
traditional older folks it definitely is then   it's wonderful I'm really happy for them but 
for some it may not really be that but they   find themselves doing it anyway kind of like by 
default because they're just so used to allowing   someone else to direct their time for them there's 
always going to be people around who will try to   take advantage of your free time asking you to 
run errands for them perhaps or like for us here   in Bali we get so many requests from both people 
we know personally and complete strangers of the   internet asking us to do stuff like plan their 
holidays show them around Bali Etc of course we   love hosting close friends and family and we 
enjoy helping people generally but sensibly   speaking our own private lives would just vanish 
if we were to entertain all the requests we get   you'll need to learn how to say no to people and 
how to strike balance retirement is as much about   sharing your time with the people who matter 
to you as it is about having time for your own   personal growth and development just be aware 
uncomfortable truth number four it's probably   gonna be just you and your significant other from 
now on out so upon retirement your social scene is   going to change drastically everyone else is at 
work or busy with their own stuff you're either   gonna have to learn to enjoy your own company 
a lot or if you're lucky enough to have retired   with your significant other that's who you'll 
probably be spending majority of your retirement   with so best learn to get along companionably good 
communication is key as it's just generally being   a considerate and respectful human being through 
the pandemic and on the road this past decade   I've seen so many people who seem really surprised 
by the person the other half truly is when they   start retirement and start traveling together 
24 7 a day but building that Comfort to do   stuff by yourself and building that wonderful 
relationship with your other half can also   possibly be the most rewarding part of your 
retirement journey and your personal growth   before I share with you the fifth uncomfortable 
truth just the quick word from our sponsor of   today's video MooMoo Singapore the stock 
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uncomfortable truth number five your money plans   are never as foolproof as you think all retirement 
whether it's the regular kind or fire really all   boils down to the financial planning behind it 
right and the most uncomfortable truth of all   may be that your retirement funds are never 
as foolproof as you plan for especially if   your plans are supposed to spend 30 40 even 50 
years in the case of early retirement expert   predictions and assumptions go wrong you made a 
mistake in your portfolio planning because of all   the buyers that we all carry Bear markets happen 
blacks on events gray Rhino events so many things   no matter the plan no matter how much stress 
testing you did before you dove into it the   unexpected often happens and the sooner you come 
to terms with this uncomfortable truth the sooner   you can move on to hatching against the risks 
You can predict most retirees they're working   their financial planning and less Aid around 
the four percent drawdown rule right so the   U.S stock market has had a phenomenal Run for the 
last 10 12 years or so now of course things are   looking a little different for the foreseeable 
future so those who have been conservative and   who have refrained from tapping their long-term 
investments will have more breeding space now   to ride out this bear Market however long it may 
last friends who have been following our journey   for a while now know that a dominant portion of 
our retirement here in Bali consists of rental   income from a number of real estate Investments 
and unfortunately in the last two years since   we started retirement Europe is a game at War 
soaring Energy prices have driven up the cost   of living across the world and everywhere massive 
inflation is now a huge issue thankfully we have   so far managed to resolve whatever disruptions 
we've experienced but basically yet another   uncomfortable truth in retirement is that managing 
your money to make it last till the end takes up   more time than you think don't just go to sleep on 
it continually look to diversify the eggs in your   basket and be open to adjusting your money plans 
like rebalancing your portfolio or changing how   you invest your retirement Arsenal as different 
opportunities present themselves for time you may   not need to work for money any longer but doing 
stuff that fuels your personal growth and that   generates some extra side income as a bonus is 
never a Bad Thing uncomfortable truth number six   no point sweating the small stuff y'all know I'm 
a big fan of simple frugal living and no pretenses   whereas happy dining in a fancy restaurant 
as we are eating at the local War rooms here   sometimes more happy actually but many of us 
can also easily get carried away diving into   with the itsy bitsy details of frugal living you 
know spending two hours here looking up deals and   coupons that end up saving you 10 bucks three 
hours there figuring out how to maximize your   air miles should you lock in that 3.5 fixed 
deposit rate now or wait till next week where   maybe it might be 3.7 I mean it can be fun 
and then it can also be a lousy use of your   time you can do it if you enjoy the challenge 
just know that so long as you get the big stuff   right your retirement is probably going to work 
out just fine so don't sweat the small stuff   big things include stuff like keeping on top 
of your overall General expenses you know doing   your taxes right maintaining a balance then 
Diversified portfolio so as long as you keep   on top of all of that I think that's about 95 of 
the big picture really conversely what I'm also   saying is that if you blow up your retirement 
finances by for example trying to go big or go   home on crypto no amount of coupon cutting is 
gonna save you from having to go back to a job   so yeah that's my take on not sweating the small 
stuff we're all retire at some point of Our Lives   whether early or late voluntarily or unwillingly 
it all boils down to choice and advanced planning   just what I've personally observed is that if 
you cut out all the noise and distraction in   life what do you think are the real currencies we 
truly traded the way I see it is four things it's   money time Youth and health just think about it 
everything we do throughout our entire lives is   really us trading one of these for the other an 
early retirement is that one anomaly where you are   in a position to spend all four currencies at once 
simultaneously and that maximizes your experience   of life a really clear illustration of this is 
traveling you can travel in your 60s and 70s sure   that's what most people will end up doing and it's 
great you know you see these folks really enjoying   seeing new things being very happy but it's often 
in the form of like lots of cruise trips around   the world and that's cool too but they'll never 
experience what it's like to try learning to surf   or sail and getting all salty and burned and 
muscle achy but happily exhausted oh they'll   never try anything more vigorous and adventurous 
like say backpacking your way through Europe you   know crushing in new hostels meeting crazy people 
from Iceland or wherever and doing silly things   together we all have two lives the life that we 
currently live and the life we could possibly live   so then which life would you choose tell me in 
the comments below and don't tell me you wouldn't   retire early because you just wouldn't really know 
what to do that's just a cop-out answer because   yeah well you're too lazy to do the legwork 
and try new stuff and understand yourself   thanks for watching as always speak 
again next Saturday bye foreign

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6 Retirement Essentials (Most people only prepared 2 or 3)

I'm planning for retirement most people focus 
mostly on marshaling together enough money you   know Financial Resources so that they can last 
the distance and then maybe at the back of their   heads they have some vague plan right perhaps 
two or three things to fill the time with a lot   of the times this is stuff like travel family 
well unfortunately I'm gonna say that's not   quite nearly enough for Preparation we ourselves 
have been retired for two years and going looking   back on the past two years I kind of see like 
six essential things that if you prep for it   beforehand before your retirement starts I think 
this can really make such a positive difference   to your retirement so that's what I wanted 
to bring up and discuss with you guys today   number one first and foremost of course we have 
to talk about money most people's concern is the   amount of money that they have in retirement 
whether it will last them till the end come   comfortably and allow them to afford the Hobbies 
like travel good food Etc but I actually think   after going through the last two years building up 
our financial Acumen is just as important if not   more so what do I mean by Financial Acumen I mean 
stuff like budgeting tracking projecting investing   I mean if you think about it the money in your 
bank account can always be squandered we all   know that story I think more importantly what's 
going to make your retirement more fireproof is   having an ability to generate more money where 
it came from in the first place so the second   essential thing that you can prepare for so that 
you have a wonderful retirement it's definitely   the ability to be self-directing and disciplined 
self-direction definitely helps so much with   spending your retirement days meaningfully right 
after all there are no more like work schedules   or like demands from colleagues or bosses to help 
shape your days anymore you have to be the person   to take charge in retirement there's a study out 
there actually that shows that for happily retired   folks most of them actually have about 3.6 core 
Pursuits that's what they say and the unheably   retired folks tend to have less than 3.6 corporate 
suits coming in at about 1.9 call Pursuits that's   what the study reflected I guess it kind of just 
shows in retirement you really need to fill your   life to the brim and keep busy with activities 
you love and that is a really great formula for   happiness and self-direction will help you 
to achieve that state as well as discipline   because if you think about it like discipline 
directly affects the state of your finances right   it affects whether you stick with your retirement 
planning whether you keep fit and active and you   get to maintain your health in retirement even 
whilst you're left up to your own devices even   to find your cover suits if you don't have any 
when you're starting or in your retirement so   discipline and self-direction will be like 
the building blocks for enjoying your life   in retirement the third essential thing you might 
want to work on and cultivate or happy retirement   is people skills right so studies and research 
have reflected very consistently that the main   determining factor for happiness and Longevity 
for most of us is actually relationships Human   Relationships friendships relationship with 
your spouse and with your family I guess if   you look at most of us you know we all have 
a little need of work on some social skills   in some aspect I mean some of us are a bit shy 
paper hats or graph or maybe socially anxious   working on our people skills really will help us 
to get along and live happily with our spouse and   family members and also importantly to make 
new friendships at whatever age we all know   that making new friends gets a lot more difficult 
as we get older I mean I haven't heard anyone say   otherwise for me personally making new friends 
as I get older is the biggest challenge there's   this huge feeling that nothing can replace 
friendships with people who have known you   all your life but it is also a challenge as I 
have chosen to exercise through Arbitrage in   our retirement and we've moved away from home 
so those friends aren't with us in our present   I find that it takes a lot of intention I have 
to consciously push myself to broaden my Social   Circles and make the effort to get to know people 
on a more intimate basis I am also very happy   to be able to say that it has paid off in that for 
the last two years in Bali I have actually made   two or three new friends that I'm happy to say are 
kindred spirits and not just social acquaintances   so that's very nice and it's a huge Comfort to our 
daily life here in a foreign land away from home   now before we move on a big thank you to 
Mumu Singapore for sponsoring this video   Singapore is an online trading platform for 
stocks ETFs and options I've been using the   MooMoo mobile trading app myself for almost 
a year now and I think it's awesome it's   fast intuitive trading US Stocks is commission 
free plus they give free level to data and many   more perks now for a limited time when you open a 
Mumu Singapore Universal account they'll give you   a year of commission free trading of Singapore 
stocks ETFs and reads if you're trading us and   Singapore stocks just switching to the MooMoo 
app will save you so much money already when   you deposit at least a hundred same dollars and 
start using the mobile app to trade you stand   to receive cash coupons up to 128 Sing dollars 
and even a free Coca-Cola share worth around 87   subscribe two thousand Sing dollars or more into 
funds on the MooMoo fun Hub and MooMoo will give   you cash coupons up to 150 Sing dollars subscribe 
at least 100 Sing dollar us to Momo cache plus   and they'll throw in an additional tensing 
dollars cashback altogether that's 368 Sing   dollars worth of Welcome rewards absolutely free 
just for using the Momo app so if you're actively   investing anyhow I recommend checking out the 
MooMoo ad using my link in the description below   now back to the video the fourth essential 
thing that you can definitely work on and that   will benefit your retirement tremendously it's 
actually courage you're definitely gonna need lots   of courage in retirement and I guess this isn't 
a skill exactly it's kind of more of a quality   but in retirement you need a lot of courage 
to even plunge into retirement you need the   courage to you know take that leap of faith to 
stop putting it off due to fear of the unknown   feel or financial insecurities so then it's all 
about courage at that stage not let fear and   insecurity rule your life and your decisions it 
is also the courage to recognize that in life at   the start at the end in the middle the Domino's 
you need are never all nicely lined up you know   at some point you just got to jump into it and 
then learn to cross the obstacles as they come   so for retirement long term I guess the 
biggest issue most commonly is always money   but my perspective on this is that hey budgets 
can always be reduced money can always be earned   or recouped or whatever happens so I still 
think that you know it is actually beneficial   to Advocate an approach whereby you get to 
a point where you feel that you have most of   your Ducks lined up you've planned well you've 
prepped for it grab hold of your courage with   both hands and then take the plunge people tend 
to think of retirement as the end but it's not   it's the start of a new phase where you should be 
trying so many new things new Pursuits new ways   to live and for each of these new adventures 
you're gonna need courage to take action and   once you have taken the plunge you'll find the 
next fifth thing very very useful and that would   be a mentality of resilience especially in early 
retirement there are a lot more decades ahead of   you you know and therefore a lot more chances that 
they things can go wrong whether it be down to bad   financial planning or perhaps an unexpected Health 
catastrophe or even sometimes natural disasters   whatever comes I guess you will always need that 
strength of Will and the resilience so that you   can roll with the punches and then get back up 
you want to know that you have the mental strength   that even if things go pear-shaped you won't just 
give up and lose hope and certain Corner you've   got to Marshall what you've got inside you go out 
there find Solutions perhaps if necessary you've   got to go back to work but know that later on 
you can return to retirement and try again so the   sex essential thing that I believe will benefit 
everyone in retirement is to cultivate an attitude   of gratitude we all know life is a very long 
journey hopefully at least and so much of what   we Chase using most of our years actually doesn't 
really matter in the big picture once you have   taken a step back and then at that point is when 
you start realizing the earlier you cultivate and   attitude of gratitude and that appreciation for 
the simple little things that are probably around   you everywhere every day the happier you probably 
will be and it sounds silly but it's not really   automatic I mean we all live and grow up and 
work and go to school in a society that kind of   innovates us with messages that we need to reach 
for more have more ambition gives us you know that   High definitions of success in life that we 
have to try to jump to reach and nobody sings   the Praises of the pleasures of a simple cup of 
tea you know the importance of family time with   your loved ones or or just the pleasure of being 
able to take an evening walk on the beach with   your dog so I think that it's very important that 
somebody reminds you that you know you can not   overload what you already have what you're already 
surrounded by growing that muscle of appreciation   so that in each and every moment you are present 
in your own life you see all the little Joys that   you're surrounded with every day and if you 
live life like that I think that will help   you achieve contentment with just the small stuff 
around you and that's what majority of your life   in retirement may be about is just a small stuff 
every day but in my own retirement here in Bali it   is what makes me so grateful and so happy every 
day that I am surrounded by my loving husband   and very interesting and independent little dog 
that's very very cute you know that we have very   comfortable a bit simple house we have the ability 
to enjoy good food even if it's simple stuff   from the war rooms locally we have a garden and 
beautiful things are growing around us every day   the weather is great you know stuff is good yeah 
I think this is one of the most essential simple   things that's often overlooked simply because it's 
a matter of mentality but I believe this essential   quality or characteristic could make all the 
difference for you so these are the six essential   things that I believe are very very important for 
you to cultivate and prepare for in the leader to   actually taking the plunge into a return then I 
think that if you have these six strong skills and   qualities going for you you will be in a position 
much more well placed to make the best out of your   retirement however long that period may be let me 
know what you think of my suggestions whether you   agree or if you think they suck let me know why 
but in any event I really appreciate you tuning   in and sharing my thoughts for this week and 
wherever you are in the world I'm wishing you   a happy Saturday evening and let's speak again 
next week till then you take care and bye for now

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Retired at 38: 5 strong reasons to retire as soon as you can (Retirement Planning)

so early retirement has actually improved our 
health so much that I actually think we'll be   avoiding higher health care costs down the line 
that may actually lead into our retirement funds   and then early retirement has also allowed us 
to achieve a state of intuitive living which   has been absolutely awesome financially the 
conventional wisdom is that early retirement   could potentially be disastrous but frankly 
I think so far two years into retirement that   our early retirement has been great for us 
financially these plus two or three more are   just some of the very strong reasons why I would 
Advocate that anyone considering retirement should   do so as early as possible let me explain why 
down below hey I'm Jean and for the past two   years I've been retired in Bali Indonesia 
with my husband today I wanted to discuss   about all these reasons why I think retiring 
as early as you can is a brilliant idea [Music]   so Health basically don't wait till it's too late 
I think that when most people think about health   and retirement planning they just kind of hope 
and assume that they will be in good health when   they enter retirement and then that they pray it 
remains status quo until the end but I guess most   of us pre-retirement might be involved in jobs 
that might be high stress with long hours at   the desk and then naturally Fitness just isn't 
what ideally it should be so all my life I've   been struggling with skin rashes and allergies and 
these issues tend to pop up every time my immunity   gets low because I'm stressed I'm tired I'm taxed 
but truly in the two years since we have been   retired the manifestation of all these problems 
have just gone down so much in retirement mode   I'm happily keeping very fit doing all the things 
that I know of like surfing walking the dog with   the hubby eating better overall probably further 
down the line maybe I might be avoiding higher   healthcare costs having this health is actually 
so much wealth it allows you to live life to the   fullest because frankly all the stuff that you 
want to do in your enjoyment of Life probably   involves a lot of Health you want to travel 
you want to scale that mountain at Sunrise to   see that incredible view you need your help even 
just to enjoy good food if you like us you like   to eat you need your health I mean I know so many 
people who have dietary restrictions because of   high cholesterol or diabetes improving health is 
actually one of the biggest and strongest reasons   why you should retire early so the second big 
reason for wanting to retire ASAP is actually   intuitive living basically intuitive living is 
really connecting with yourself and listening to   your garden stings and your feelings as to stuff 
like eating and rest and meditation relationships   even your spending habits perhaps I don't know 
how it is for you guys but I was generally living   my life governed by a lot of shirts right I 
mean I should be at the office by 9am so that   I won't piss off the bosses I should stay in 
the office stay late and postpone my workout   postpone dinner so I can meet the deadline set by 
my clients I should carry branded Handbags and of   course I should be a corporate lawyer I mean why 
would I want to be anything else right finally   in retirement we are free from the demands of the 
pursuit of money to listen to ourselves to truly   tune in and understand what is the optimum cause 
in life you can chart you really want to wake up   every day without an alarm clock naturally because 
you've had enough sleep you want to eat only   enough and not too much I mean you want to make 
better choices food wise intuitive exercise you   know you're doing what really only appeals to you 
maybe you don't like sweating in the afternoons   so then you know get a gym membership or play 
indoor record Sports whatever works for you I   only wish that more people have the opportunity 
to experience living life this way intuitively   away from the entanglements and distractions 
from regular running the hands the real life   the third reason why you might want to retire 
as soon as possibly is just that the earlier   you retire the more time you gain in life I 
mean if you think about it most of us live   life as though we are invincible as if life 
itself will never run out and therefore we do   things like squander our time or sell it away too 
cheaply in exchange for material things we each   only have so long to live right and the money you 
make in your lifetime you can't bring that with   you when you go home so well might as well you'll 
be the one to spend it when you can right Society   feeds us like so many different narratives 
about success and what it should look like   but actually I think success is really not 
about the achievements per se but it's just   really a Feeling and I like to think that at 
the end of our Lives when we're there in our   last dying moments what we'll be thinking 
about probably wouldn't be like stuff like   oh I closed that three billion dollar deal I 
think it would more be along the lines of like   I had good friends and I loved my family I had 
a good life you know I ate good food I laughed   Lots I took care of my kids and my dog stuff like 
that so don't squander the time that we each have   maybe you have personal goals that you really 
want to achieve stuff like learning Spanish or   scaling the Great Wall of China or just 
watching your kids grow up that's just a   million places that are better to spend your 
time at then at a job which you don't really   particularly care for and which maybe you're just 
doing just cause that's what everyone else is   before we move on a big thank you to 
skillshare for sponsoring this video   so skillshare is an online learning community with 
thousands of classes for anyone who loves learning   if 2023 is the year you promised yourself 
you're gonna finally explore new career or   side hustle options or work on personal growth 
then skillshare is the perfect place to start   for me one of the ways we have fun in our 
retirement is making YouTube videos when we   first started skillshare was instrumental 
in teaching us so many of the basics like   videography storytelling and more till today 
one of the best classes I ever sat through   online anywhere is still the class by Sorel Amore 
YouTube success build an authentic Channel that's   worth the follow so her advice about finding my 
Niche valuing authenticity over Beauty creating   meaningful messages and providing value to the 
audience really changed our perspectives on what   we were creating back then for the better of 
course we've gone from like 40 Subs to the 143   000 Subs of today and from time to time I still 
pull up sorel's worksheet when I'm creating   my videos just to check that I'm on track for 
making something good for our people our audience   it's always super easy to take whatever you learn 
on skillshare and apply it directly to your life   Pursuits whatever those may be I highly recommend 
checking out skillshare and if you want to do that   you can use my link in the description below the 
first 1000 people will get one month of skillshare   absolutely free you can try it out learn something 
new move a step closer to your 2023 goals reason   number four the earlier you start your retirement 
the better you'll get at it with every other   change in life we expect that we all need time to 
learn how to do it well so things like becoming   apparent for the first time even if like us it's 
just a fur kid or transitioning from being a   student to being a working adult and then there's 
the transition from being and actively working   adult to retirement mode it seems ridiculous and 
silly even at first I mean it's like saying who   doesn't know how to spend their free time right 
but if you actually truly observe things around   you retirement Falls really differently for 
different people we all know the people who   have retired and in their retirement seem a 
little lost lonely left behind and uninspired   and then there's the other kind of retired people 
right the ones who go like when we're talking that   I'm gonna grab Life by the balls and Max things 
out a big part of that may actually be the point   in life at which you retire whether at that point 
where you retire you still have your zest your   Zeal your energy your health your Fitness to help 
you max out the happiness potential of that free   time and freedom in retirement and then there's 
the thought that retirement supposed to stretch   out for a few good years at least right if not 
for a few decades and doing that requires skills   you know you need so many different skills to 
have a successful retirement I think that's a   topic for another day but basically you need time 
to learn those skills whether it's Financial money   management or social skills you know building 
relationships and stuff but basically you need   time to get all that down pat in order to have 
a successful retirement so then the earlier you   retire the better usually you will probably 
turn out for you so the last and possibly the   most controversial point I think that early 
retirement could possibly be great for you   financially and this is controversial because it's 
directly opposite to what a lot of the experts say   right you retire too early there's so much risk 
that you miscalculate your finances or that world   events take an unexpected turn and then you know 
things go belly up and then you're destitute in   your last years but I mean underlying all that 
seems to be this assumption that in retirement   we're all just going to be like one dead lazy log 
and I think that these days especially if you're   an early retiree that is just so not true maybe 
like us with YouTube in our retirement in your   own retirement maybe you'll learn new skills pick 
up new side hustles and stay busy doing something   that you're doing for the love of it for the fun 
not for the money but having the money come in as   a result of your side hustle is a nice bonus and 
you know what it becomes an additional buffer for   your later years so retiring early also allows you 
to take advantage of things like dual Arbitrage   Right Moving overseas to improve your financial 
situation and yeah so like us I'm from Singapore   but I'm now retired here in Bali Indonesia we're 
not just here because life is more affordable but   the fact is that our retirement sums in fact our 
whole entire retirement is only possible because   living here is so much more affordable as compared 
to back home you know this wouldn't be possible at   all if we retiredly and ended up having health 
concerns right mobility issues for example   retiring early and then using the time to keep up 
with current affairs learning hedging strategies   to minimize risk learning how to diversify our 
Investment Portfolio I feel that the time in our   retirement has been well spent to actually make 
us more resilient and the fact that we retired so   early also means that if anything goes badly up 
time and youth are on our side if our financial   planning for retirement had just sucked or you 
know things unexpectedly go failure so prepare you   know if we have to U-turn and go back to work or 
maybe start another business it's not a big deal   and then we'll go off Marshall the resources 
that we lack and then we'll come back again   and second time around third time around will 
definitely be better each time at doing this   so in terms of confidence and the feeling of 
resilience that we will be able to make this   last all the way I think that starting 
early doing it early diving into it and   understanding the parameters the potential 
the boundaries of what we face in retirement   actually really really helps well guys so 
these are the few takeaways from our last   two years living in retirement here in Bali and 
I mean if you have any thoughts or objections or   contributions to the points that I've made in 
this video I'll love to hear them let's start   a little discussion in the comments below you 
guys have a good week ahead wherever you are   and let's chat again next Saturday thank you 
for watching and bye-bye have a good weekend

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6 Retirement Essentials (Most people only prepared 2 or 3)

I'' m preparation for retirement many people focus.
primarily on marshaling with each other enough cash you understand Financial Resources so that they can last.
the range and then possibly at the back of their heads they have some vague strategy ideal perhaps.
2 or 3 things to load the time with a whole lot of the moments this is things like traveling family members.
well regrettably I'' m gon na claim that ' s not fairly virtually sufficient for Prep work we ourselves.
have been retired for two years as well as going looking back on the previous 2 years I kind of see like.
6 important things that if you prep for it ahead of time before your retired life begins I think.
this can truly make such a favorable difference to your retired life to make sure that'' s what I wanted.
to bring up and talk about with you individuals today top initial as well as leading naturally we have.
to chat about money most individuals'' s problem is the quantity of cash that they have in retirement.
whether it will last them till completion come pleasantly and also permit them to manage the Hobbies.
like traveling great food Etc however I actually believe after undergoing the last two years building up.
our financial Acumen is equally as vital if not more so what do I mean by Financial Acumen I imply.
stuff like budgeting tracking predicting investing I mean if you think about it the money in your.
savings account can constantly be wasted we all recognize that tale I assume a lot more notably what'' s. mosting likely to make your retired life more fire resistant is having a capability to generate even more cash where.
it came from to begin with so the second important point that you can plan for so that.
you have a wonderful retired life it'' s most definitely the ability to be self-directing and self-displined.
self-direction absolutely aids a lot with spending your retirement days meaningfully right.
after all there are no much more like job routines or like demands from associates or managers to assist.
form your days anymore you need to be the person to take cost in retired life there'' s a study out.
there really that reveals that for happily retired folks a lot of them actually have concerning 3.6 core.
Pursuits that'' s what they state and the unheably retired individuals have a tendency to have much less than 3.6 business.
matches coming in at concerning 1.9 call Quests that'' s what the research mirrored I guess it sort of just.
programs in retired life you actually need to load your life to the brim as well as keep hectic with tasks.
you love as well as that is a truly wonderful formula for happiness and also self-direction will help you.
to attain that state in addition to technique due to the fact that if you think regarding it like self-control.
straight impacts the state of your financial resources right it impacts whether you stick with your retired life.
planning whether you maintain fit and also energetic and you get to maintain your wellness in retirement also.
whilst you'' re left as much as your own gadgets also to discover your cover matches if you don'' t have any. when you ' re starting or in your retired life so technique as well as self-direction will resemble.
the foundation for enjoying your life in retired life the third vital point you may.
desire to work with as well as grow or happy retired life is people abilities right so research studies and also research study.
have actually mirrored very constantly that the main determining aspect for joy as well as Durability.
for most of us is really connections Human Relationships friendships partnership with.
your partner and with your family members I think if you consider a lot of us you recognize all of us have.
a little need of job on some social abilities in some facet I mean a few of us are a little bit shy.
paper hats or chart or perhaps socially anxious working with our people abilities really will assist us.
to get on as well as live gladly with our partner and relative and additionally notably to make.
new relationships at whatever age most of us know that making brand-new good friends gets a lot harder.
as we grow older I indicate I sanctuary'' t heard any person claim or else for me personally making brand-new good friends.
as I grow older is the most significant obstacle there'' s this substantial feeling that absolutely nothing can replace.
friendships with people that have recognized you all your life but it is also an obstacle as I.
have picked to exercise with Arbitrage in our retirement as well as we'' ve relocated far from house.
Those good friends aren'' t with us in our existing I discover that it takes a lot of purpose I have.
to purposely press myself to expand my Social Circles and also make the initiative to be familiar with individuals.
on a much more intimate basis I am additionally very satisfied to be able to claim that it has repaid in that for.
the last two years in Bali I have in fact made two or three new close friends that I'' m pleased to state are.
kindred spirits and also not simply social colleagues to make sure that'' s extremely good and it ' s a huge Convenience to our.
every day life right here in a foreign land far from residence now before we go on a large thank you to.
Mumu Singapore for sponsoring this video clip Singapore is an online trading system for.
supplies ETFs as well as options I'' ve been making use of the MooMoo mobile trading app myself for almost.
a year currently and I think it'' s outstanding it ' s quick instinctive trading US Supplies is payment. totally free plus they offer cost-free level to information and also lots of even more perks now for a restricted time when you open a.
Mumu Singapore Universal account they'' ll offer you a year of commission complimentary trading of Singapore.
stocks ETFs as well as checks out if you'' re trading us and also Singapore stocks just switching to the MooMoo.
app will certainly save you a lot money currently when you down payment at the very least a hundred same bucks as well as.
begin using the mobile app to trade you stand to receive cash vouchers up to 128 Sing bucks.
and also even a cost-free Coca-Cola share worth around 87 subscribe 2 thousand Sing dollars or even more right into.
funds on the MooMoo fun Hub as well as MooMoo will give you cash vouchers up to 150 Sing dollars subscribe.
a minimum of 100 Sing buck us to Momo cache plus and also they'' ll toss in an additional tightening.
bucks cashback altogether that'' s 368 Sing bucks worth of Welcome benefits definitely cost-free.
simply for utilizing the Momo application so if you'' re actively investing anyhow I suggest looking into the.
MooMoo advertisement using my web link in the summary listed below currently back to the video clip the fourth essential.
thing that you can certainly deal with and also that will profit your retirement tremendously it'' s. in fact guts you'' re definitely gon na require whole lots of guts in retired life and also I think this isn'' t. an ability exactly it ' s kind of even more of a top quality but in retired life you need a great deal of nerve.
to also plunge right into retired life you require the courage to you know take that leap of confidence to.
stop placing it off due to fear of the unidentified feeling or financial insecurities so after that it'' s
all. concerning courage at that stage not allow worry as well as instability guideline your life and also your choices it.
is additionally the courage to acknowledge that in life at the start at the end in the middle the Domino'' s. you require are never ever all nicely aligned you recognize at some time you simply got to delve into it and also.
then learn to cross the challenges as they come so for retirement lengthy term I presume the.
most significant concern most generally is constantly cash but my viewpoint on this is that hi there spending plans.
can always be lowered cash can always be made or recouped or whatever occurs so I still.
assume that you recognize it is really valuable to Support a method where you get to.
a point where you feel that you have a lot of your Ducks aligned you'' ve intended well you''
ve. prepped for it get hold of hold of your courage with both hands and then take the dive people tend.
to think about retirement as completion but it'' s not it ' s the beginning of a brand-new phase where you should be. attempting so lots of new things new Pursuits new methods to live and also for each and every of these brand-new journeys.
you'' re gon na need nerve to take action and when you have taken the dive you'' ll locate the. following fifth thing really extremely useful and that would certainly be an attitude of durability particularly in early.
retired life there are a great deal even more years ahead of you you understand and as a result a great deal even more possibilities that.
they points can go wrong whether it be to bad economic preparation or perhaps an unanticipated Health and wellness.
catastrophe and even occasionally all-natural catastrophes whatever comes I presume you will always require that.
stamina of Will and also the durability to make sure that you can roll with the strikes and after that come back up.
you want to recognize that you have the psychological toughness that even if things go pear-shaped you won'' t just. give up and lose hope and also certain Corner you'' ve reached Marshall what you'' ve got in you go out.
there discover Solutions perhaps if required you'' ve reached go back to work but recognize that later.
you can return to retirement as well as try once again so the sex crucial thing that I believe will profit.
everybody in retirement is to grow an attitude of thankfulness we all understand life is a really long.
trip hopefully at the very least therefore much of what we Chase utilizing a lot of our years really doesn'' t. actually issue in the large photo when you have taken an action back as well as after that then is when.
you start realizing the earlier you cultivate as well as mindset of gratitude which recognition for.
the easy little things that are possibly around you all over every day the happier you possibly.
will certainly be as well as it seems ridiculous however it'' s not really automated I indicate most of us live and also mature and also.
job and also go to institution in a culture that type of innovates us with messages that we require to get to.
for more have extra ambition offers us you understand that High interpretations of success in life that we.
need to try to jump to get to and also no one sings the Appreciations of the satisfaction of an easy mug of.
tea you understand the importance of household time with your liked ones or or simply the pleasure of being.
able to take an evening stroll on the coastline with your pet dog so I think that it'' s extremely vital that
. somebody reminds you that you understand you can not overload what you currently have what you'' re currently.
surrounded by expanding that muscle mass of admiration so that in every moment you are existing.
in your own life you see all the little Joys that you'' re surrounded with on a daily basis as well as if you.
real-time life like that I assume that will certainly assist you achieve satisfaction with simply the tiny stuff.
around you and also that'' s what majority of your life in retired life might have to do with is simply a tiny stuff.
everyday yet in my very own retirement right here in Bali it is what makes me so happy and also so satisfied every.
day that I am surrounded by my loving partner and very intriguing as well as independent little pet.
that'' s really really adorable you know that we have very comfortable a bit basic home we have the capability.
to delight in great food even if it'' s straightforward things from the war rooms locally we have a yard and also.
lovely things are growing around us on a daily basis the climate is excellent you know things is excellent yeah.
I think this is among the most crucial straightforward points that'' s usually ignored just due to the fact that it'' s. an issue of mindset however I believe this necessary quality or feature could make all the.
difference for you so these are the six necessary points that I think are extremely very important for.
you to grow as well as plan for in the leader to in fact taking the dive into a return after that I.
think that if you have these six solid skills and top qualities going for you you will be in a position.
far more well positioned to make the best out of your retirement however long that duration might be let me.
know what you assume of my ideas whether you agree or if you think they suck allow me know why.
In any event I really appreciate you adjusting in as well as sharing my thoughts for this week and.
any place you are in the world I'' m wishing you a pleased Saturday evening as well as let'' s speak once more.
next week till after that you take treatment and bye in the meantime.

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The simplest retirement plan ever.

there are a great deal of complex strategies available when it comes to withdrawing your cash in retired life we'' ve currently looked at some of them such as the Guyton clinger rule however not all techniques need to be that complicated to function well sometimes the most basic method is the most great of all and today that'' s what we'' re gon na speak about we ' re gon na be speaking about 2 of the most basic retirement investing strategies available we ' re gon na discuss their benefits and drawbacks along with'who need to be using them let ' s begin however prior to we start make sure to LIKE this video clip if you haven ' t already as it truly does help out the channel a lot as well as subscribe with notices on for more cash related video clips similar to this one each and every single week so the strategies that we'' re gon na be covering today are very similar to each other because they are both called repaired withdrawal strategies they are the set buck withdrawal technique and the set percentage withdrawal method let'' s begin with the simpler of both the fixed dollar withdrawal technique the fixed dollar withdrawal method is precisely what it seems like you begin by withdrawing a particular dollar amount from your savings each and every single month as well as maintain that quantity continuous throughout your entire retirement it essentially doesn'' t obtain any kind of simpler than that state if John were surviving this strategy in retirement he has a 1 million dollar nest egg and also wants to be able to reside on $40,000 a year he withdraws $40,000 in that first year of retirement does the same point in the 2nd and so on etc to put it simply there are no adjustments for rising cost of living utilizing this method to examine this technique let'' s take a look at the 4 factors of retirement which for those that are new to this network our income threat security as well as getting power income gauges just how much money is can be found in the door monthly along with when that money is being available in its measured in this manner because not all retirement investing techniques are systematic as well as straight with their earnings development as well as none people understand how long we'' re gon na be in retired life so we have a tendency to place more of a concern in having abnormally high revenue years in the earliest section of our retirements because we don'' t recognize if we ' ll ever reach the later sections threat is the chance of outliving your money stability is rated by exactly how typically you experienced anything that would be considered an unfavorable change in your revenue from one year to another this could be available in the form of a freeze on the growth of your revenue or simply a decrease in your earnings from near to the following and also acquiring power is specified like it always is it'' s a measure of just how much your cash can in fact obtain you at any given time as well as is mainly tied to rising cost of living the set dollar approach is normally taken into consideration to be a little stronger on revenue and threat in comparison to various other popular methods like the 4% guideline however it does experience in terms of stability and also buying power the reason for this is straightforward as long as your initial withdrawals aren'' t too expensive you ' re relatively not likely to outlive your money using this strategy and you might in fact have the ability to live at a greater requirement of living a minimum of at first than you would certainly have in other comparable approaches like the 4% policy in reality going all the method back to 1950 if John had actually had that one million dollar nest egg invested in something like the S&P 500 he would certainly not in fact outlive his cash during any type of 20 30 40 or half a century retirement as long as he would certainly real no even more than fifty four thousand bucks a year or forty five hundred a month so also points like the real estate dilemma in dot-com collision didn'' t reason him to lack money so this does provide John a higher requirement of living at first than the 4% guideline would have due to the fact that of course with a 1 million dollar nest egg the 4% policy would just enable him to draw $40,000 a year to survive though ultimately like I stated the rising cost of living effect would certainly capture up with him making use of the fixed dollar method which'' s where this method does often tend to fall short it'' s not indicated for longer retired lives because while John might be able to deal with surviving $54,000 a year particularly if he'' s retiring financial obligation totally free with a paid off home it comes to be progressively challenging to do that as the years take place due to the inflation effect historically talking rising cost of living has averaged somewhere between 2 as well as 3% annually in the USA if we think that our individual average rising cost of living rate in retired life is nearer the top of that range well at 3 percent annually after that John'' s$ 54,000 a year revenue will get him the matching of what $40,000 would certainly get him today in simply 10 years time in 20 years his money would just have the ability to acquire him regarding what twenty nine thousand nine hundred dollars would certainly get him today as well as his cash would deserve the equivalent of twenty two thousand two hundred and also fifty bucks sixteen thousand five hundred and also fifty bucks and twelve thousand three dollars a year in 30 40 as well as 50 years respectively just due to the fact that of the impact of inflation so simply for a minute allow'' s visualize that John had actually decided to adhere to the economically independent retire early activity but rather than utilizing the 4% guideline which helps to shield your purchasing power over longer term retirements like those in the fire neighborhood are going for John makes a decision to use the set dollar withdrawal technique assuming every little thing else stayed the same John would certainly retire at the age of 30 with a $54,000 a year income as well as a 1 million buck nest egg once again at the age of 30 that would be perfectly great for him nevertheless the average life span for people residing in the u.s.Is regarding 79 years old since 2019 and it'' s feasible that that number will remain to expand as innovation as well as medicine continues to advance so presuming he doesn'' t die young it isn ' t out of the inquiry that he would have a close to 50-year retirement and also be surviving on the equivalent of concerning $1,000 a month when he'' s maturing and his medical expenses go to their highest possible as you can imagine that wouldn'' t be an ideal circumstance for John as well as that ' s why this strategy usually isn ' t the best suggestion for longer term retirements but for the appropriate individual in regards to the 4 aspects of retirement the fixed dollar method is above average and earnings and risk but second-rate instability and also acquiring power in contrast to the 4% rule the fixed portion technique works really in a similar way to the fixed dollar method other than that you'' re taking out a certain portion of your savings annually instead of a specific dollar value this strategy also doesn'' t readjust for rising cost of living yet it does at the very least adjust with the worth of your portfolio as well as depending upon what you'' re bought and also what preliminary portions you pick this method may exercise all right state John simply wanted to withdraw a 4% of his investments annually in retired life given that the value of his investments were $1,000,000 when he retired he would certainly withdraw $40,000 in his first year that would leave him with nine hundred and sixty thousand bucks left over if his investments went up by 10 percent that year the value of his profile would certainly be someplace in the community of a million as well as fifty 6 thousand dollars at the begin of his 2nd year of retirement since he'' s taking out 4 percent of that he would certainly survive on forty two thousand 2 hundred and forty bucks because second year thinking inflation was three percent during that very first year of his retired life his buying power would have really gone up if he had actually simply changed his withdrawals for rising cost of living like he would certainly have if he were utilizing the real 4% rule he would have taken out 40 1200 dollars in his second year or concerning a thousand and $40 much less than he did using the set percent withdrawal technique in this situation the disadvantage that I'' m sure a great deal of you currently see is that the opposite can additionally occur claim that the list below year john'' s investments dropped by 20% bringing the worth of his savings down to about eight hundred as well as eleven thousand bucks and forcing him to withdraw thirty 2 thousand 4 hundred and forty bucks in the 3rd year of his retired life that would certainly be considerably much less than the forty two thousand four hundred dollars that John would certainly have taken out in that 3rd year making use of the actual four percent policy so as you can see relying on the circumstance security is something that this strategy can have a very low score in offered that the worth of a savings particularly if it'' s bought something like stocks can expand or shrink by 20 30 and even 40 percent from one year to the next the brilliant side naturally is that you have an extremely low danger of lacking cash in theory it'' s actually no if you'' re able to follow this strategy to a tee and also I especially say theoretically since like numerous points it'' s just gon na hold true as much as a certain factor if we take it to a sensible extreme we can break this down claim if John had $10,000 in his savings as well as he intended to survive on half of that nest egg for the following 5 years theoretically he'' d be'great as well as he ' d never ever lack cash since he'' d always be withdrawing fifty percent of whatever that savings is yet the amount of of us are gon na be able to survive on 5 thousand dollars a year that would be what he'' d be taking out that initial year as well as naturally it would be even much less the 2nd year if his financial investments stayed flat his 2nd years withdrawals would certainly be half of five thousand dollars or twenty five hundred bucks and also I put on'' t recognize lots of individuals that are residing on two hundred bucks a month yet the factor is if you'' re happy to take the hit to the stability of your income in retired life you can typically securely squeeze out a bit even more than four percent of your nest egg each year in a regular retired life using this strategy you just need to be prepared to see the ordinary raw dollar revenue that you obtain shrink as you go additionally right into your retired life to illustrate this allow'' s say that John took out 10% of his savings every year assuming he had that a person million-dollar nest egg he would certainly begin with a six-figure revenue nevertheless if he finished up living longer than he prepared on he might eventually find himself living on what would just be generously referred to as a small allocate instance in the simulations I ran covering the numerous retired life sizes beginning with 1950 forward presuming John had invested in the S&P 500 he would certainly have had a mean month-to-month earnings of about $6,500 a month in 20 as well as thirty years retirements which when changing for inflation would certainly be around $3,600 a month in twenty years scenarios and also twenty seven hundred bucks a month in thirty-year situations however that number did reduce a great deal as the retired lives obtained much longer for instance in half a century retired lives his average median monthly income had to do with forty four hundred bucks which again doesn'' t audio negative yet when we take a look at the final few years worth of his month-to-month withdrawals we find that it'' s really regarding$ 2,300 a month on standard which is substantially less than the six-figure earnings he started with and also of training course that $2,300 a month was what he was actually taking out almost half a century from now as soon as we change for inflation over that time it might not even get John what $1,000 a month would certainly buy him today so comparable to the fixed dollar withdrawals your purchasing power can be taking a substantial hit if the first portions you establish in this method are expensive in summation the fixed percentage method ratings fairly well though not elite when it comes to income specifically when used in early retired lives it does wonderful in terms of threat again thinking you'' re not as well aggressive with your first portions however is questionable with stability as well as poor in terms of acquiring power so in the long run who ought to make use of these methods currently I'' ll admit I am directly biased here I think there'' s extremely few people who need to genuinely be using these methods as their key technique it'' s mostly restricted to those with really short anticipated retired lives to make sure that their getting power doesn'' t ended up being also harmed gradually as well as even then ideally just by those that are likewise coming close to that very same retired life with little to no financial obligation since especially with the set percentage approach you'' ll frequently require to be quite versatile with your costs from your year but for those that aren'' t retiring very early as well as will run out than 9 or 10 years that they anticipate to be retired they have little financial debt to mention as well as want something extremely straightforward to comply with when finding out just how much of their money they must take out each year among these techniques might exercise well it offers you some benefits in terms of revenue without considerable boosts in risk but what are your ideas do you concur with my assessment of the method or do you believe that I'' m missing out on something do you believe an additional strategy would work better for people because scenario allow me know in the remarks section below yet that'' ll do it for me today once more if you place'' t already be sure to LIKE the video clip as it truly aids the channel a great deal and if you intend to find out more about different retired life planning approaches make sure to inspect the web links on the display for my videos on just how to safely invest cash in retired life along with protect your nest egg and as always many thanks for enjoying

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F.I.R.E – 6 Uncomfortable Truths we discovered about Early Retirement & how to mitigate them

international hey what are the awful sides to.
retiring very early aren'' t you bored every day simply lying around doing absolutely nothing wear'' t. you guys bother with lacking money hi there guys invite back to one more attractive.
day right here in Heaven Bali a number of you have been asking me many questions like the.
above so today I'' m gon na run via six uneasy facts about layoff.
as well as my suggestions for alleviating them based on our very own experiences reaching fire and also.
being retired right here in Bali Indonesia for the past two years so uneasy fact number.
one retired life is a journey not a destination for the document existing around throughout the day not doing anything.
in retirement is a myth it'' s always nice to have a couple of days of that occasionally yet actually.
you do that for long stretches of time and you'' re possibly going to be struck extremely really tough with.
sensations of dullness absence of self-worth and you'' re gon na be missing a sense of fulfillment retirement.
isn'' t a location like Bali or Boracay it really is the beginning of a New Journey in your life it'' s. that stretch of time where you lastly do those things you wished to do but always couldn'' t. because you were so hectic earning money to survive it can be anything taking a trip the globe.
Composing that publication or researching that say cross stitch side hustle if you never ever obtain past the.
misconception you'' ll probably end up getting bored and after that end up going back to work and losing out on this.
Outstanding Life Journey so like every various other trip beginning planning what is this legendary journey you.
want to spend your retired life money and time on second if you obtained tired throughout your.
retirement things possibly you'' re doing it incorrect so for a great deal of people their retired life Jam.
is concerning traveling the globe right that'' s an extremely typical one and it'' s outstanding fun you never ever
. really feel more to life and it'' s such an excellent difficulty due to the fact that actually you require many different abilities.
to travel properly right you require Sharp to browse the towns as well as rip-offs as well as other issues.
on the roadway you require to be able to plan your schedule publication the most effective travel bargains understand exactly how.
to bargain your rates and also stuff like riding a motorbike as well as diving as well as at the.
start it'' s constantly epic it ' s so unbelievable however on excitement as well as sense of success begins to.
plateau and after that you'' re gon na hit that point of decreasing returns as well as it wasn'' t just. in traveling either it was likewise my painting my organizations my enduring The Wanderer life thingy I.
find that when love to stay mainly undirected most Searches in fact tend to lose their flavor.
with time one more means of putting this is perhaps you feel on your own dropping right into stagnancy or.
mediocrity point is if you'' re early retired by yourself efforts after that you'' re probably extra of. the go-getter as well as achiever sort of person as well as the element of your character doesn'' t. alter even if you'' re tired you ' ll still be taking a look around as well as judging if'you ' re. spending your time meaningfully and also productively to this fix directly I discovered 2 services. that worked actually well for me one either I start drilling deep down right into the information of.
what I'' m doing or 2 I make it into a company take my dad baking is his wonderful love in retired life.
He'' s not simply asking anyhow for the fun of it the last few years he'' s in search of baking.
a more delicious sourdough bread anyone has actually ever before come throughout out of 365 days in a year he is possibly.
baked regarding I'' m presuming perhaps 400 sourdough loaves 2 loaves each bake he modifies the dishes.
the starter the technique the components he does some reverse design of sourdough bread that'' s. commercially offered outside it'' s been maybe three years as well as he'' s still going solid so he established his.
own special sourdough bread goal and Target and requirements rather than simply offering and yogurting.
for fun I ended up being certified trainers in both as well as at some point began both a yoga service and.
a browse institution and also you know I discovered so much extra regarding both in the whole process whatever.
Pursuit around if you start truly piercing down there'' s constantly extra Improvement to be had.
a lot more personal growth to go after please say you love Pottery put on'' t simply do it aimlessly to pass time.
polish up your skills go into competitions become a professional Potter do payments as your.
retirement side hustle or show ceramic classes when you keep pushing on your own to those greater.
standards due to the fact that you'' re either actually piercing down into the craft of it or you'' re running it.
as an Enterprise you'' ll find new actions of efficiency therein and also you will certainly be burnt out not to.
point out if you'' re in fact like us on lean fire whatever website income you produce will certainly assist defray.
the cost of your passions as well as pastimes so you put on'' t need to touch on your long-lasting Investments.'isn ' t that an actually excellent offer so 2 years earlier at the age of 38 I retired with my spouse here.
in Bali it'' s rather early by most criteria and also it'' s been an entirely amazing journey we''
ve. learned a whole lot as well as I really hope the insights we are sharing with you men are helpful if you'' re on. your own fire Trip or currently neck deep in retired life slap that like switch show to us in.
the comments below what your retirement appears like thus far exactly how you'' re maintaining active and also whether you.
agree or differ with the factors we made below now on the 3rd uncomfortable reality it'' s. hard that you must defend your time you most likely retired so you can invest your time doing nevertheless.
you please whenever you please the majority of us will certainly have invested the substantial bulk of Our Lives.
so far making a living which suggests usually somebody else is routing your time either your.
boss or your customers as well as we get truly used to that so after that in retired life self-directing your.
time ends up being something brand-new as well as kind of foreign and if you take a look at retired individuals in Singapore.
after functioning work that entire lives a lot of them graduate on in retired life working as totally free.
day care services for their grandchildren if that'' s their ultimate dream and also for some.
typical older folks it most definitely is after that it'' s fantastic I ' m truly
happy for them however. for some it may not truly be that yet they find themselves doing it anyway sort of like by.
default since they'' re so made use of to enabling somebody else to route their time for them there'' s. constantly mosting likely to be individuals around that will attempt to make use of your downtime asking you to.
run errands for them perhaps or like for us right here in Bali we get many requests from both individuals.
we understand personally and full unfamiliar people of the net asking us to do things like plan their.
holidays reveal them around Bali Etc of course we enjoy holding close pals and family and we.
take pleasure in assisting people usually yet sensibly speaking our very own exclusive lives would certainly just disappear.
if we were to delight all the requests we obtain you'' ll need to learn exactly how to say no to individuals and. just how to strike equilibrium retired life is as much about sharing your time with individuals that matter.
to you as it has to do with having time for your own individual growth as well as development simply understand.
uneasy truth number 4 it'' s probably gon na be just you and your better half from.
currently on out so upon retired life your social scene is mosting likely to transform significantly every person else goes to.
job or active with their own stuff you'' re either gon na need to find out to enjoy your own company.
a great deal or if you'' re fortunate sufficient to have actually retired with your better half that'' s who you ' ll. probably be spending bulk of your retirement with so best learn to get on companionably great.
interaction is crucial as it'' s just normally being a mindful and also considerate human being with.
the pandemic as well as when driving this previous years I'' ve seen a lot of individuals that seem actually shocked.
by the individual the other half really is when they start retirement as well as start traveling with each other.
24 7 a day however building that Comfort to do things by yourself and also building that fantastic.
partnership with your various other fifty percent can additionally potentially be one of the most satisfying part of your.
retirement trip and also your individual growth prior to I show you the fifth uneasy.
fact just the fast word from our sponsor of today'' s video MooMoo Singapore the stock.
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uneasy truth number 5 your cash strategies are never as sure-fire as you think all retirement.
whether it'' s the normal kind or fire actually all come down to the economic planning behind it.
And the most unpleasant reality of all might be that your retirement funds are never ever.
as sure-fire as you plan for particularly if your strategies are supposed to spend 30 40 even 50.
years in the instance of early retired life specialist predictions and assumptions go incorrect you made a.
error in your portfolio preparation as a result of all the buyers that all of us carry Bearishnesses happen.
blacks on events gray Rhinocerous events so lots of things regardless of the strategy regardless of how much stress and anxiety.
screening you did prior to you studied it the unexpected usually occurs as well as the sooner you come.
to terms with this uneasy truth the earlier you can move on to hatching out against the dangers.
You can anticipate most retired people they'' re working their economic planning and also much less Help around.
the 4 percent drawdown rule right so the U.S securities market has actually had an incredible Run for the.
last 10 12 years or two now obviously points are looking a little various for the foreseeable.
future so those who have been conservative and who have avoided tapping their long-term.
investments will have extra breeding space currently to ride out this bear Market however long it might.
last close friends that have been following our journey for some time currently understand that a dominant part of.
our retirement right here in Bali includes rental income from a variety of property Investments.
and also sadly in the last two years considering that we started retirement Europe is a game at Battle.
soaring Power rates have actually increased the price of living across the world and also almost everywhere massive.
inflation is now a huge problem luckily we have up until now handled to deal with whatever interruptions.
we'' ve skilled yet basically yet another uncomfortable reality in retired life is that handling.
your money to make it last till the end takes up even more time than you believe don'' t simply go to rest on.
it constantly want to expand the eggs in your basket and be open to adjusting your money strategies.
like rebalancing your portfolio or changing exactly how you invest your retirement Toolbox as various.
opportunities provide themselves for time you might not need to work for cash any longer but doing.
things that fuels your personal growth and also that produces some extra side income as a benefit is.
never a Bad Thing uneasy reality number 6 no point sweating the tiny stuff y'' all understand I ' m. a huge fan of easy economical living and also no pretenses whereas delighted dining in an expensive dining establishment.
as we are eating at the regional War areas right here often much more pleased in fact however much of us.
can likewise quickly get carried away diving right into with the itsy bitsy details of economical living you.
recognize spending two hrs here seeking out bargains as well as promo codes that wind up saving you 10 dollars three.
hours there determining how to maximize your air miles need to you lock in that 3.5 repaired.
down payment rate now or wait till following week where possibly it might be 3.7 I imply it can be enjoyable.
and afterwards it can additionally be a poor use of your time you can do it if you appreciate the challenge.
just understand that as long as you get the big stuff right your retirement is possibly mosting likely to work.
out just fine so don'' t sweat the tiny things huge things consist of things like going on top.
of your total General expenditures you understand doing your taxes right preserving an equilibrium after that.
Diversified portfolio so as lengthy as you maintain in addition to all of that I assume that'' s concerning 95 of.
the huge image truly conversely what I'' m likewise saying is that if you blow up your retirement.
financial resources by for instance trying to go big or go house on crypto no amount of discount coupon cutting is.
gon na conserve you from having to go back to a task so yeah that'' s my take on not sweating the tiny.
things we'' re all retire eventually of Our Lives whether very early or late willingly or reluctantly.
it all come down to option and progressed planning just what I'' ve directly observed is that if.
you cut out all the sound and interruption in life what do you assume are the real currencies we.
really traded the way I see it is four things it'' s money time Youth as well as health just consider it.
whatever we do throughout our entire lives is actually us trading one of these for the other an.
very early retirement is that abnormality where you are in a position to spend all 4 money at the same time.
simultaneously as well as that optimizes your experience of life a really clear illustration of this is.
traveling you can travel in your 60s and also 70s sure that'' s what the majority of people will certainly wind up doing and it'' s. wonderful you understand you see these individuals really delighting in seeing new points being really satisfied but it'' s often.
in the type of like whole lots of cruise ship trips around the world and that'' s cool down as well however they'' ll never. experience what it'' s like to attempt finding out to browse or sail as well as obtaining all salted and also burned and.
muscle mass achy but gladly exhausted oh they'' ll never try anything more energetic and also adventurous.
like say backpacking your means with Europe you understand crushing in new hostels meeting crazy individuals.
from Iceland or any place and also doing ridiculous points together all of us have two lives the life that we.
currently live and also the life we might perhaps live so after that which life would you choose inform me in.
the comments listed below as well as don'' t inform me you wouldn'' t retire early due to the fact that you simply wouldn'' t really recognize. what to do that'' s simply a cop-out solution due to the fact that yep well you'' re too lazy to do the research.
and also try brand-new things and understand on your own many thanks for watching as always talk.
again next Saturday bye foreign.

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