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60 Years Old and Nothing Saved for Retirement – Top 12 Recommendations

moshi journal of the war about version 5 and her dick or nothing save time and in this video i will give you my top 12 recommendations from to gather épisode and the phoneshop s line my name is lynn mines and today we're talking about how you so I you're getting only star junior with over fifty with that over fifty5 maybe you our die in your sixties and now I have little or no 10 series time it i'm going to give you 2 tbsp specifics you can your original is concern there's no de jorna loon and it's never too late many people a coaching time lady finance even in the situation where we have the timing so stupid now arjan yourself in the beginning inge you where you were young just can't get by make and smeet more history family of chipper tells us times is a medium and helps and must collins take the pan yourself fit the sun tremor sixty thumping when in more detail with your juice at lower netting seyfried time and of course start in early there is a storing late but you can make up Alaska hands and math eyeshadow in situations unique and what works for one person may not work for another for coastal regions with the Parisian this video is the ghibli some practical ideals and strategies to consider this there can make a very big difference to you in your goal detail majors number 2 tap in the toori of your situation and then for your timeline that you already have the passado de is how shampoo pure fifty five singlet hero that had ten years before your sexy woman and 14 use the force that you can campus aladdin 14 years old and earth 3 vai dealers bart herbed be focused in that can we have plans at in the greatest az is your building churn and income that have income or the ability to become i can there is your goals english is not about how much you earn is what you chi the mathers new be surprised with him the people with high income i am super icons the wrapper elearning c at the front you'll be surprised at how many people with barry but is it war incomes have surprising the size ball to the ponies alice ivory terms and they financial planner eyes i head in the spectrum and him force me to the moon and more the natural tennessee is to spend more the global fund yogis and there you have to use your browser necessary expansions we already bread igor inputs and leslie protest you the cancer your channel effectively protest with old plans in moscow color go recommendation numbers 3 is 10 million numbers in economies way glowing you don't want your card in flow and url flow the income and expenses the calving budget through budget is to work parking were many people feel like folding budget is even though he has the you a bit suggest that you change through you want a lot budget of this chickens the the learns that helps keep it simple in a simple traces this is t still a nice way going nb controlling nice way glowing knowing you manage there you have to do a major a bit of the beak you often in thatcher fray recommendation number for completing journey they spend in arnhem with commitment to check all here tension quarter idea for what of the next perfect and min truck every penny you can simple idea what the pc' pepper donor come together or if you like i can download spending a dead spreadsheet the week savior it is very simple harpel toe an excel spreadsheet designed with purpose it free download and there is a link in the description below then I had a garden but my deesje number five is nipping the bud back online now I have to have color that is a bucket of income Camille and wedges Gillingham someone who will be empowered to make some changes the girl with me for middle what would be like if you were able to all your income or in other words i had no expenses there already fine and zeros the snowfall wants is thing you sent with your kids and corn oil in best oil that can be put in there someone for the nex-5t and 14 hours how much of nfc can you use your kimeli i would be a significant amount of money you should just think brain recommendation number sex this is the great and pink outside the box' the monsieur with your personal story but wait after bad guys mother pork royce duns with the laitman i did not prevent from being married and wooden awww man by professor locking must contain you won't you make and slammed and my new be challenging to be white and were determined to face life's challenge is what have they may be together have us leather yes we quiet small the finish my schooling and and there was also a full-time mother in singapore my and who weatherman etc to buy pearls you have to nemaattori in which comics people's saving 1 hour marie are to us in possible this is where we share the great if my biggest expence was rather fmri buddy we start to think boys republic loses when we get older and someone moving in with parents with the waif into small children and this point was after the bible option borsato time but we were determined to find a way to fool cycles likes people's so had to oil brainstorming my wife the BBC note the cursor church ring and she love to visit and care for elderly people save him from when in the elderly people there or in arcen who live in her home alone but he brings the point where can I assisted living and promised him and walked into a system care provider call when this weekend find someone there would be okay in the care provider game with the nekberghe into small chill you should never have anyone doing anything like this before I decided to take two mothers, in theory it is not acres of course this was washable before the Joline and anyway Glenn in there in the classroom white section to local newspaper who were surprised to see paths have that and Kohl's of people looking for loving care providers for the Cairns region billion more than one will be a rapper who with the first internship family Michel Nabertherm and in the film about who was new in elderly managers nine who are here three scraper from the strip company such a process and are now immediately since i was a barry k instrument the absolutely chill me you guys inside toe story home is the goal john their upper room and board we persisted full basement where films in refrigeration all utilities and my life was able to the shopping there is through and provide the not the care and they also peter siks to that per month additional the green office for and minimal when in love for the us complete guangzhou and sultry amical him only two in my wife's arms my i'm so my work this experience was a more photos on tags mother able to dry cycles so ark spencer's and even inc research then you have when you have to set it forward denpa one has to have brother first even the meteo another creative at work story and couple in sixty one very little c free time by a thousand glasgow and well it is in can was do you want that sylla bolhuis entire career day a creative and create aggressive client to do love them to reduce turkish patches bonnie lies and that person first rebirth desolder iphone how the plants downsizing santing was expensive to measure in d axl in blood in a world order good working part-time radiation the joris school and taking care for two worlds to that archer and her beds sharing to the chances and providing their father and son for the stereo period in t league dark gray coach the little one helps immensely because of that is sure of pain patient care and newer etc and that person or drink or two you could this was a big boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh my dough is in the cell and the workbench is there through the gates the age of 16 5s am that arbitrary their the advertisement wiser the plague this was my social security designated the full of time 161 5 is the moment the camel is want medicare prepared the sweet this would be tender how they live single in long Canadian and seven d is the new sixty-five we want you longer and that as the you or your spouse winter nineties and pianists cisticola hi hi er de may be putting the ship live the life you might be cross minnie beebe wants nme people in their voice and i still working sam micro sd not the income else because they eat simple in joy working in samsung not uncommon for a person to retire political board and to go back to work dear cousin oil pt if you will italian the media kühtai er from the wine and findi control idea of ​​tai chi chuan sint in de us better no ikke star the site has a small business or Samsung of the media budget that was there in future episodes and the Easter shop s line the plan back track mini on the procedure is the you could consider hats another reason why am I would consider subscribing to this channel you have a recommendation number is called the lion styling socials curry benefit's je keyword longer you're able to the lego scribes sander this can increase the size of the features of three benefit's in a link boys what is your had longer and burning history the youtube app storify earth delivery here the to work can make a big difference if we now the reader jury benefit's beyond for him agree you also can earn the darcy types of life timing grads the size of your social benefits can be much a larger my what you do is that you do n't want to have the good social studies trying to better understand our social security de lions time and credit work and for a customized social studies strategy presses live for you and i can go to social security line thanks to humor committee recommendation number name is john try physical and mental half that satin cherry lifestyle list you the soul and the soul we bring the youtube and ashoka's times in physically and mentally fit maybe the most pointing you can take your time and we fill the new ipad you will have more energy you will and send your ability to work longer and to earn longer the benefits and exercise and the help of a church documentation number 10 is the haafidh 14 yourself a lot in your future the Muslim program 14 god gray and amazing things kabir kampen list aldo and meeviel roaming and even in possible that thing is a possible yo and more people and you think you're stronger than you think your mark reason that I think in your child your heart drinks you can overcome in a challenge to you for your mind 2l and Disclose of halloween there wilcox there is no chance no destiny no fact that a circular or nuisance or control the family room of that term a solo house inc your team live in Rijswijk and wayside DVD and you programmer penetrate from your bed show more you can series b there is 0 chads no destiny no fact that incident or hinder or control the cinema have that term and so recommendation eleven is the never stop learning the caribbean form and good books you have the number weather widget my bible on by george glitchen avatar der that along when we see 10 king bridge in the poll in very bizarre motivational a sparing angry am already you ca n't lean was bummed best be so a universe alone there a porn touch religions when comes to actually saving you fire a rat race for my kees with ketchup contributions and have all those videos the goal indeed that when CDA Lyceum in the most active Chile plausible and new of course will be wise in all-wheel of the people who left together the box that Redman in description below environments and 12 is the overflow you have a strategy Aramis Aegon reconversion mortgage it is a time rather in the morning that does not allow the needs to change the renewed hypes or rather in the morning the app more options and more flexibility in the queue the building fifty percent and King Johan and new loses a sixty-two that gate and in a purely morgens payments so I think there is a lot of humor morgens payments you may also be able to establish a tax free stream income the social media tyme come and get to the time in this video to go nobody yourself you can le morvan my book in chernaiev i only online those managers on the fences it is how a strategy cleo public gamechanger pio in your timing you have the toilet in my book while volumes on the books style the holistic time and prime revolution i can also just by the amazon search online a lame arm and your van de bin this is like rats link in the description below so you learn have my god of recommendations if you about fifty five and him just thing super terms definis par des video beneficial have the runs and oh please add a comment dumbell lo domino what sterile and actually to see your in the next episode or the financial pipelines [Music] [ Applause] [ Music] [Applause] [Music]

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9 Mistakes that Ruin your Retired Life|Follow A Must Avoid Checklist

Hello, my friends. I have an uncle who retired about 10 years
ago, when he was about 56 years old. After retirement, he received a
substantial amount as a corpus. However, unfortunately, his
bank account is now empty. Every month, he has to depend
on his son for pocket money. His health is getting weaker with age, and he is quite stressed that if he
has to be hospitalized for any reason, who will take care of him. He shared some mistakes with me that
I will share with you in this video today. If I tell you to visualize your life after
retirement, what would you imagine? Perhaps waking up in the morning
and taking a walk in the park with friends, going on vacations with family,
spending time with grandchildren. Most of us think that retirement
will be our golden period, no work stress and just rest. But many of the things said in
this video may seem bitter to you, but it is true, a bitter truth.

I am Bhaven, a certified financial
planner and personal finance coach, and I welcome you to my
channel ‘The Art of Wealth Building’, your one-point destination to seek and
unbiased consultation on personal finance. Let's discuss some mistakes
that can ruin your retirement. Mistake number 1: Spending all the
money on children's higher education. My uncle got married at the age of 33
and had family planning at the age of 36. This means that when he turned
58, his son Ronit was 22 years old, and when Ronit needed 20-25 lakhs
for his MBA, my uncle had already retired, and he had to give that money to
Ronit from his retirement corpus. This was my uncle's first mistake that he funded Ronit's higher
education with his retirement money. In this situation, he could have
taken an education loan for Ronit, which Ronit would have paid
after completing the studies.

Many times, there are
government scholarships or admissions available at
subsidized rates for MBA. So uncle should have asked
Ronit to explore that option as well. Mistake number 2 is not being able to
handle the significant amount of money received after retirement. My uncle also made the same mistake
that many people do after retirement. He invested in a property, thinking
that he would continue to receive rent. Where the monthly rent of
a property worth 50 lakhs, after deducting maintenance,
is hardly ₹10,000, on the other hand, if he invested
the money in a fixed deposit, he could get an interest of
₹20,000 after deducting taxes. In India, the rental yield of property
is only two to two and a half percent. On the other hand, fixed deposit,
which is a relatively safe option, also gives interest of four to
five percent after deducting tax. Property is not a liquid asset, meaning it cannot be easily sold
during emergencies in old age. On the other hand, fixed deposits
can be easily liquidated when needed.

Maintaining the property is not easy, and at times, if the property is in poor
condition, the rent also stops coming. When selling a property, a considerable amount of capital
gains tax also has to be paid, and there is also a lot of expense involved
in buying and selling the property. In my opinion, every person should have their retirement
plan and a plan for after retirement. Our salary will stop after retirement,
but inflation will continue to rise. So, if you want to understand how you
can achieve your personal financial goals such as early retirement, buying
a house, buying a car, vacation, home loan, pre-payment,
higher education, etc., then message us on WhatsApp at
the number appearing on your screen or check the description box. You can also visit our website
'theartofwealthbuilding.com.' Mistake number 3 is to
invest all your money in FDs or post office schemes after retirement.

For the initial years after retirement, my uncle managed his personal expenses
easily with the rent from his property and the interest from FDs. But after a few years, he started
experiencing running out of money. This was because the rent amount
was not increasing by a significant amount due to a lack of property
price appreciation, and inflation was rising rapidly. He should have invested at least 20%
of the money he received after retirement in equity mutual funds. This would have helped
his money to grow in value and allowed him to maintain
his lifestyle even with inflation. Many people, like my uncle, invest all their money in FDs or guaranteed return post
office schemes after retirement. But after a few years, the value of that
money reduces in real terms due to inflation. Mistake number 4 is to spend all the
income you receive after retirement. My uncle used to spend the entire
amount received from rent and interest, and this is a mistake that many
people make when they retire, thinking that every month the rent
and interest would keep coming in.

However, if he had invested a small portion of the
amount received from rent and interest in an equity mutual fund through a
Systematic Investment Plan (SIP), he would have accumulated a
substantial amount for the future, and he could have increased his withdrawal
amount. along with the rising cost of living. It is advisable to invest some portion
of the post-retirement monthly income, such as rent, interest, and pension, in
an investment plan until the age of 75, so that there is no shortage
of money in the super old age. Mistake number 5 is sharing with
your children and other family members how much money you
received at the time of retirement. This is an emotional mistake.

I am not saying that you should
not keep a record of your finances, your wife or husband
should know all the finances. You should also have a will, but the detailed blueprint, such as the
value of your assets, your total net worth, how much interest or
pension income you have, should not be discussed with
your children or any relatives. My uncle made this mistake and
told everything to his son Ronit. Every parent is emotionally
connected to their children and if in the future your son,
son-in-law, daughter-in-law or daughter asks for some money,
you won't be able to refuse, and this money can also spoil your relationship
with them if it does not come back. So the right way is to have
a will and the right records, but not everyone should
know everything in detail. Mistake Number 6:
Guaranteeing someone else's loan. After retirement, everyone
may have an estimate that a substantial amount has
been credited to your account, and sometimes our friends,
relatives, or neighbors request us to be
guarantors for their loans.

Often, when the borrower is
unable to repay the EMI of the loan, then the guarantor has to repay the loan. So when someone asks you
to be a guarantor for their loan, you can tell them that your
risk profile is not that high, or your wife or husband will not allow it, or children will not allow it. If you take the guarantee for a loan and
the borrower is unable to repay the loan, not only will your money go, but
the relationship may also be spoiled. My uncle had guaranteed
his brother's loan, and even today, when his
brother doesn't pay the EMIs he has to pay the EMI
of his brother's loan.

Mistake number 7:
Don't just run after returns. In point number 3, I told
you that after retirement, you should not invest the entire amount
only in FDs and post office schemes, and you should also invest in equity mutual
funds where you can get higher returns. And now I am saying that you
should not only care about returns. So, you see, these are
two different situations. My uncle gave some amount
to a friend of his at interest because his friend had promised
him 1 percent return per month. But after some time, my
uncle's friend passed away and his children refused to
return the money to my uncle. Then, in the quest to
earn a little more interest, my uncle kept some money in a
cooperative bank, which closed down. He also invested some
money in small cap funds, which is quite risky according to his age. So, in old age, liquidity and capital
protection should be more important for you. Mistake Number 8: Don't
Trust All Financial Advisors.

Now, I am also a
certified financial planner, and I don't feel good saying that you
should not trust all financial advisors. When retirement money is
deposited into the account, the bank officials know how much
amount is deposited in your account, and that's why they come to
you with investment schemes, needing to meet their targets,
and they give wrong advice. I have seen how wrong
products are sold to elderly people. I would say that you should stay away from any advisor who is selling you schemes in the name of
investment that are not suitable for you. Take your time before investing
and talk to a certified financial planner whom you can trust and who
won't sell you any products. And if you do invest in any ULIP policy or
any other plan on the advice of an advisor, then first ask yourself
why you are doing so, because these insurance
policies reduce the cost returns.

Never make the mistake of
investing all your money at once in the same product at the same time. And if you want to understand how to
achieve your personal financial goals by planning with a
certified financial planner, then message us on WhatsApp at
the number appearing on your screen or check the description box. You can also visit our website
'theartofwealthbuilding.com.' Mistake Number 9: Not involving your
husband or wife in financial planning. Until we are 60 or 65 years old, we
usually handle our work ourselves. But imagine that you have invested
your money in different places, and your spouse has no idea
where the money is invested. When you die, even though the
money is there, they cannot access it. Research shows that
women live longer than men. So in such a situation, your wife
should know about your financial plan. Mistake Number 10: Not
having health insurance. My uncle depended on his
company's health insurance, but since his company's insurance
was not available after retirement, and now he is not getting
health insurance due to his age, and that's why now he has to
depend on Ronit to pay the hospital bill.

So, friends, I request you to
share this video with your parents and ask them to share
it with their friends. If you have learned something,
please LIKE the video, and for more information, you
can check the description box, or you can also visit our website
'theartofwealthbuilding.com'. See you soon with
another informative video. Till then, God bless you all..

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60 Years Old and Nothing Saved for Retirement – Top 12 Recommendations

moshi journal of the war regarding variation 5 and also her penis or absolutely nothing conserve time and in this video clip i will provide you my leading 12 referrals from to gather épisode and also the phoneshop s line my name is lynn mines and today we'' re speaking about exactly how you so I you'' re obtaining just star junior with over fifty with that over fifty5 maybe you our die in your sixties and also now I have little or no 10 collection time it i'' m going to give you 2 tablespoon specifics you can your original is issue there'' s no de jorna crazy and it'' s never ever too late several people a mentoring time girl financing even in the scenario where we have the timing so dumb currently arjan yourself in the beginning inge you where you were young simply can'' t obtain by make and smeet more background family members of chipper tells us times is a tool as well as helps as well as must collins take the pan yourself fit the sun shake sixty thumping when in even more detail with your juice at lower netting seyfried time and also of training course beginning in very early there is a storing late however you can comprise Alaska hands and also math eyeshadow in circumstances special as well as what benefit someone may not work for an additional for seaside areas with the Parisian this video clip is the ghibli some sensible suitables as well as techniques to consider this there can make a large distinction to you in your objective detail majors number 2 faucet in the toori of your situation as well as after that for your timeline that you currently have the passado de is exactly how shampoo pure fifty 5 singlet hero that had 10 years before your attractive lady as well as 14 utilize the pressure that you can campus aladdin 14 years of ages as well as earth 3 vai dealerships bart herbed be concentrated because can we have plans at in the best az is your structure churn and also revenue that have earnings or the capacity to end up being i can there is your objectives english is not about just how much you gain is what you chi the mathers brand-new be amazed with him individuals with high earnings i am extremely icons the wrapper elearning c at the front you'' ll be shocked at how several people with barry but is it battle revenues have unexpected the size ball to the ponies alice ivory terms and also they financial organizer eyes i head in the spectrum as well as him require me to the moon as well as even more the natural tennessee is to invest more the international fund yogis and also there you need to use your internet browser necessary expansions we currently bread igor inputs and also leslie demonstration you the cancer your channel effectively demonstration with old plans in moscow shade go referral numbers 3 is 10 million numbers in economies way radiant you wear'' t want your card in flow and also link flow the revenue as well as expenditures the calving spending plan with spending plan is to function car park were many individuals really feel like folding budget is although he has the you a bit suggest that you alter via you want a whole lot spending plan of this chickens the the learns that aids keep it straightforward in a simple traces this is t still a nice means going nb managing good way radiant recognizing you handle there you have to do a significant a little bit of the beak you typically in thatcher fray recommendation number for completing journey they spend in arnhem with dedication to check all here stress quarter idea wherefore of the next perfect as well as minutes truck every cent you can simple idea what the computer' ' pepper benefactor integrated or if you like i can download spending a dead spread sheet the week savior it is extremely easy harpel toe a succeed spread sheet designed with purpose it complimentary download and also there is a link in the summary listed below then I had a yard however my deesje number five is nipping the bud back on the internet currently I need to have shade that is a bucket of income Camille and wedges Gillingham a person who will be equipped to make some adjustments the girl with me for center what would resemble if you had the ability to all your income or simply put i had no costs there currently great as well as zeros the snowfall wants is thing you sent with your kids and corn oil in ideal oil that can be placed in there someone for the nex-5t as well as 14 hrs how much of nfc can you use your kimeli i would be a substantial quantity of money you ought to simply believe brain suggestion number sex this is the excellent and also pink outside the box' ' the monsieur with your individual tale yet wait after poor guys mommy pork royce duns with the laitman i did not stop from being married and wood awww guy by teacher locking should contain you won'' t you make and banged and also my new be challenging to be white and were determined to face life'' s difficulty is what have they might be with each other have us natural leather yes we silent tiny the surface my education and and there was also a full-time mommy in singapore my and also that weatherman and so on to purchase pearls you have to nemaattori in which comics people'' s saving 1 hour marie are to us in possible this is where we share the fantastic if my biggest expence was instead fmri pal we begin to think boys republic sheds when we age and also somebody moving in with parents with the waif right into little kids as well as this factor was after the bible choice borsato time yet we were figured out to discover a means to fool cycles suches as people'' s so needed to oil brainstorming my other half the BBC note the cursor church ring and she like to see and take care of senior people conserve him from when in the elderly people there or in arcen who stay in her house alone yet he brings the factor where can I aided living and assured him and also walked right into a system treatment service provider call when this weekend find a person there would be fine in the care service provider game with the nekberghe right into tiny cool you need to never ever have any person doing anything like this prior to I chose to take 2 moms, in concept it is not acres obviously this was washable before the Joline and anyway Glenn in there in the class white area to neighborhood paper who were amazed to see courses have that as well as Kohl'' s of individuals seeking loving care carriers for the Cairns region billion even more than one will be a rap artist that with the first teaching fellowship household Michel Nabertherm and also in the film regarding that was new in elderly managers nine who are here 3 scraper from the strip company such a process and are now immediately given that i was a barry k instrument the absolutely cool me you guys inside toe tale residence is the objective john their top space and board we continued complete cellar where movies in refrigeration all utilities and also my life had the ability to the purchasing there is through and provide the not the care and also they also peter siks to that each month added the green workplace for and also very little when in love for the us full guangzhou and sultry amical him just two in my other half'' s arms my i ' m so my job this experience was an extra images on tags mother able to dry cycles so ark spencer'' s as well as even inc research study then you have when you need to set it onward denpa one has to have sibling first also the meteo an additional imaginative at job story and pair in sixty one very little c downtime by a thousand glasgow as well as well it is in can was do you desire that sylla bolhuis entire occupation day an innovative as well as produce hostile customer to do love them to reduce turkish patches bonnie lies and that person first renewal desolder apple iphone how the plants scaling down santing was expensive to gauge in d axl in blood in a world order excellent functioning part-time radiation the joris school as well as making sure for 2 worlds to that archer as well as her beds sharing to the chances and giving their father as well as son for the stereo duration in t organization dark grey trainer the youngster aids immensely since of that ensures pain patient treatment and also newer etc which person or beverage or 2 you might this was a huge young boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh my dough remains in the cell and the workbench is there via the gateways the age of 16 5s am that arbitrary their the promotion wiser the afflict this was my social security marked the full of time 161 5 is the minute the camel is desire medicare prepared the sweet this would certainly be tender exactly how they live single in lengthy Canadian and also seven d is the new sixty-five we want you longer which as the you or your spouse winter season nineties as well as pianists cisticola hi hi emergency room de might be putting the ship live the life you may be cross minnie beebe wants nme individuals in their voice and i still working sam mini sd not the revenue else because they consume easy in happiness working in samsung not unusual for a person to retire political board as well as to go back to function dear relative oil pt if you will certainly italian the media kühtai er from the white wine and also findi control concept of tai chi chuan sint in de us better no ikke star the site has a local business or Samsung of the media budget plan that existed in future episodes as well as the Easter shop s line the plan back track mini on the procedure is the you might think about hats another reason that am I would certainly think about signing up for this channel you have a recommendation number is called the lion styling socials curry advantage'' s je search phrase much longer you'' re able to the lego scribes sander this can raise the dimension of the functions of three advantage'' s in a link children what is your had longer as well as melting background the youtube application storify earth distribution here the to work can make a huge difference if we now the visitor court benefit'' s past for him agree you additionally can earn the darcy types of life timing grads the size of your social benefits can be a lot a larger my what you do is that you put on'' t intend to have the excellent social studies trying to better understand our social safety and security de lions time as well as credit score work and for a tailored social studies strategy presses live for you and i can go to social security line thanks to wit committee recommendation number name is john attempt physical as well as psychological fifty percent dat satin cherry lifestyle list you the soul and also the spirit we bring the youtube and also ashoka'' s times in physically as well as emotionally in shape perhaps one of the most directing you can take your time as well as we load the brand-new ipad you will have extra energy you will certainly as well as send your capability to function longer and also to make longer the advantages and exercise as well as the assistance of a church paperwork number 10 is the haafidh 14 yourself a great deal in your future the Muslim program 14 god gray and fantastic points kabir kampen listing aldo and meeviel roaming and even in possible that thing is a possible yo as well as more individuals as well as you think you'' re more powerful than you believe your mark factor that I believe in your kid your heart beverages you can conquer in a challenge to you for your mind 2l and Divulge of halloween there wilcox there is no possibility no destiny no truth that a round or annoyance or regulate the living room of that term a solo home inc your group stay in Rijswijk and wayside DVD as well as you programmer pass through from your bed reveal more you can collection b there is 0 chads no destiny no reality that occurrence or impede or control the movie theater have that term therefore suggestion eleven is the never ever stop learning the caribbean type and great publications you have the number weather condition widget my bible on by george glitchen character der that along when we see 10 king bridge in the survey in very strange inspirational a sparing upset am currently you ca n'' t lean was bummed best be so a cosmos alone there a porn touch faiths when comes to actually conserving you terminate a battle of life for my kees with catsup payments as well as have all those videos the goal without a doubt that when CDA Lyceum in the most energetic Chile plausible and new naturally will be sensible in all-wheel of the individuals that left with each other the box that Redman in description below atmospheres and 12 is the overflow you have a method Aramis Aegon reconversion home loan it is a time rather in the morning that does not allow the demands to alter the restored buzzs or instead in the morning the application extra alternatives as well as even more versatility in the line the 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The 5 Most Important Years Of Your Retirement

as a parent when you have your initial kid there'' s no shortage of people to remind you just exactly how important the very first five years are of your child'' s development regrettably there'' s no similar Network there'' s no similar details resource for us as we retire what are one of the most essential 5 years of your retirement so I'' m gon na intend to damage that with today'' s video allow ' s go with a walk and also I ' ll I ' ll share my ideas with you with you having actually been a cost just economic consultant for over 20 years now and also I'' ll I ' ll cut ideal to the chase I think one of the most important years just like with your kid are the very first five years and I wish to share that you understand this is a large transition if you'' re considering retiring'if you ' re obtaining near retiring this is a large change you believe about like you recognize a very long time ago perhaps when you initially left house whether you went to college or you established a trade and you went off by yourself to begin quote unquote adulting the shift from secondary school to university where you placed everything you possess in a couple luggage and also you bid farewell to the individuals that have actually been nurturing you for for your whole life that'' s a large huge'shift I ' m sorry that history noise is a train you actually can'' t see it yet it ' s there alright so that ' s a large transition and the shift to retirement is every little bit as huge right I imply it'' s it ' s the entire globe that you ' ve understood for a long long time and just like with a teen uh or a young person avoiding to university your identity will change also so you understand the it'' s a huge change but it'' s essential that you enter with both feet it'' s crucial that you start on the right track as well as you recognize among the keys is is to recognize what your goals are what your hope you recognize what you'' re mosting likely to mean what you'' re wishing to carry out in retired life not that you need to have an order of business however you recognize these are the points that are very important to me as I retire and you can upgrade them as an example for me um for me I I sort of when my day concerns retire I'' m not retired yet but when my day involves retire things that I have actually considered that are going to be vital to me and are very important to me now are leading relationships um you recognize when you function sadly you'' re unable to spend as much time with the individuals that you enjoy as well as you care around so I'' m really hoping to invest even more time with my adult youngsters I ' m hoping to spend even more time with my wife and also with with pals that imply a lot to me that sadly now I'' m unable to spend a great deal of time with so I intend to invest a 4th of my time on connections I wish to spend a fourth of my time on my health and wellness having your wellness is truly key once you shed your wellness you understand it'' s a retirement ' s gon na look very various for you so doing what I can to eat in a healthy and balanced means to function out on a regular basis to keep my health is mosting likely to be essential then I'' ve always been a long-lasting Learners so I intend to proceed to learn so a fourth of my time on connections a 4th of my time on my health and wellness a fourth of my time simply learning I simply enjoy learning and after that a 4th of my time as an instructor as well as that'' s component of what this YouTube channel is is is repaying and also as well as sharing with folks I'' m fortunate what I ' ve spent my life'my life ' s job is something that uh brings worth to a great deal of individuals it'' s not it seems like usual feeling to me since I ' ve been doing it my whole grown-up life similar to whatever you'' ve been doing most of your grown-up life possibly feels like good sense to you so it'' s important to jump in with both feet it'' s vital not to be thrifty you put on'' t have a monetary plan and also recognize what your goals are and you know lots of normal audiences of my network right we'' re good Savers um we'' re proficient at identifying what our goals are and saving towards those however I wear'' t desire you to be penny-wise and also it'' s natural I ' d state well over half of people you understand whatever their budget plan is whatever their strategy states that they can invest they finish up you understand still conserving 25 or 30 percent of that and wear'' t do that right it ' s it your entire life has been a balance between present you and also future you and now this is your future your uh the future you so be sure to invest that money and also enjoy it these are your healthiest most energetic years uh I likewise assume it'' s uh'it ' s it ' s excellent to have a financial plan if you don ' t'have a plan young boy it ' s actually difficult to recognize just how much money you can spend as well as you recognize a great deal of individuals are giving up unnecessarily you wear'' t wish to do that you put on ' t have to do that so have a financial plan and have a strategy an installment plan um that I already spoke around ideal believe about how am I going to invest my time 24-hour a day is a lot of time right a significant component of our life has been spent at the office fine various other reasons that the first five years are very crucial there'' s some large choices that require to be made in the initial 5 years allow ' s say you'' re 60 as well as um and you ' re retiring early a lot of visitors of my network are intending to do that or you'' re 62 or 63 you know there'' s some big choices that require to be made in between you know let'' s the initial let ' s claim 60 to 67 60 to 68 also over that yet you recognize Medicare Medicare is not as easy as just raising your hand claiming hi there federal government you recognize I'' m 65 years of ages now I'' d like my paramedic I ' d like my medicare right you need to choose do you desire your uh traditional Medicare or do you want what'' s called Medicare Advantage which is a terrific advertising name uh standard Medicare is offered by the federal government Medicare advantages is offered by an exclusive company and you can transform your mind on that particular yet if you select typical Medicare uh it has a twenty dollar insurance deductible for Medicare Part B and you can you can purchase Medicare gap insurance policy and typically beyond a couple of exemptions you need to go with clinical underwriting to be authorized so if you have a pre-existing problem an insurance firm can refute you the meta the Medigap insurance but when you first get Medicare I am not a Medicare expert but you have a 6 about a six month window where you put on'' t have to go with the medical underwriting you obtain an exemption for that so that'' s a big decision'additionally when you ' re mosting likely to begin taking Medication uh when you'' re going to start taking social safety is a big decision so the initial 5 years are crucial one more factor is because you'' ve got these huge decisions that you need to make as well as after that unfortunately this is just a truth that all of us face in the very first 5 years we Face what'' s called series of return danger it ends up that having adverse returns having poor stock market returns in the early years of our retired life are have some of the greatest impact as to whether our economic plan achieves success or not and also none people recognize what the first 5 years are going to be like but that'' s one of the reasons that the initial 5 years is so vital another point that'' s vital if you'' re curious about this subject is to enjoy this video up here that speak about five reasons to uh it discusses I'' m sorry average income for retirees as well as this video clip down right here that speak about five reasons to retire as quickly as you can thanks for viewing bye bye

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Retirement Planning: I’m 66 Years Old With $800,000, Can I Retire?

In 2015 451 thousand by 2050 this is a pew research study by the way 3.6 million people estimated to be over the age of 100. That'' s over a 500 000 or so transform in an estimated ending balance and a hundred thousand plus in additional taxes paid what'' s cool around this software is it isolates everything else other than your circulation approach how a lot are you taking from the ira how a lot are you taking from the non-ira are you doing any roth conversions so being able to separate every little thing else and also simply looking at those variables reveals us extremely plainly that the tax obligation preparation and earnings planning component for this pair in this circumstance john and jane is incredibly essential it'' s the difference isolating every little thing else between completing with about a hundred as well as seventy thousand estimated or six hundred and also sixty thousand so as you can see earnings intending tax obligation planning play a very crucial component in the overall retirement strategy this software application that we looked at over below this one is thinking what we call a traditional knowledge distribution technique now this software is that'' s the software program ' s weak point this does not do an excellent task tax planning however when we overlay the tax preparation software program with the economic preparation software application here when we get the 87 percent as well as we obtain it all done this obtains it up to 90 95 96 99 a whole lot of times the large takeaway below is that retired life is not simply about your financial investments it'' s about having a plan that looks at your investments as well as manages danger yet additionally producing revenue tax preparation and also health treatment preparation along with estate planning estate preparation is really important if it matters to you what occurs to your properties when you'' re gone so we constantly keep a web link in the description if you desire to get to out to us set an assessment have a phone telephone call and see if this kind of preparation is appropriate for you it may not be appropriate for you you might not be a great fit for what we do as well as that'' s fine ideally we still can give value and assist you become a terrific have a higher understanding of retired life however if you do desire to chat to us there'' s a link listed below you can schedule a visit and also of training course share this video with a good friend or household member hit that subscribe button and thumbs up if you liked it and if you put on'' t like it struck the thumbs down that'' s great also and also if you leave a comment we'' re gon na make an effort to attend to those comments in one big video clip of program we can'' t respond to every solitary comment or offer personalized financial guidance yet really feel cost-free to comment listed below that helps you to recognize that there'' s involvement with this video clip as well as they'' ll help share it with others so they can find out

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