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28 results tagged retirement x
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    American retirees expand their world overseas - YouTube
    April 13, 2025 at 6:10:43 PM PDT * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=_794CQHC_Qo
    retirement Malta
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    10 Countries That Give You PERMANENT RESIDENCY on Day One for Free! - YouTube
    February 18, 2025 at 9:07:19 PM PST * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=-Si9XH8sbak
    retirement expat
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    60 and Retired: 6 things I stopped caring about that increase my life joy and happiness. - YouTube
    June 2, 2024 at 7:28:18 PM PDT * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=8KO16WZQ7xE
    retirement
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    How We Retired Early On $300,000 & How You Can Too - YouTube
    • 00:14 💰 Retirement advice often suggests needing millions, but it's possible to retire with much less.
    • 01:49 📉 Financial advisors' projections may overestimate needs, assuming a lavish lifestyle.
    • 02:33 💼 Retiring abroad, traveling full-time, or living below your means can stretch retirement savings.
    • 04:21 🌍 Living in cheaper countries can drastically reduce expenses, making early retirement feasible.
    • 07:07 🔄 Early retirees often live in affordable locations, supplementing income with part-time work if desired.
    • 09:25 📈 Investing in safe companies and reducing living expenses are crucial for financial stability in retirement.
    • 10:48 🏖️ Early retirement offers the freedom to pursue dreams while healthy, making it an attractive option for many.
    March 27, 2024 at 6:27:04 PM PDT * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=CWBjCDBQtQs
    retirement
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    Two Five-Year Rules for Roth IRAs: Kiplinger Tax Letter | Kiplinger
    February 22, 2024 at 9:34:34 PM PST - permalink - archive.org -
    QRCode
    - https://www.kiplinger.com/taxes/five-year-rule-on-roth-ira-contributions-and-payouts-kiplinger-tax-letter
    retirement investing Roth_IRA
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    Retire To A Hotel - Low Cost Retirement Housing - YouTube
    • 00:00 🏨 Retiring to a Hotel: Exploring the Concept

      • Long-term retirement in hotels is feasible and financially viable.
      • Hotels offer numerous perks and amenities for long-term stays, including housekeeping, maintenance, and access to facilities like gyms and spas.
    • 03:08 💳 Maximizing Benefits through Elite Status

      • Building Elite status with select hotel chains enhances the long-term hotel living experience.
      • Elite status grants perks such as room upgrades, complimentary drinks, and access to exclusive amenities like lounges.
    • 06:10 🎁 Milestone Rewards and Additional Benefits

      • Hotel chains offer milestone rewards based on the number of nights stayed, providing additional value.
      • Milestone rewards may include free nights, suite upgrades, guest certificates, and lounge memberships, enhancing the overall stay experience.
    • 11:52 💰 Cost-saving Strategies and Booking Tips

      • Utilizing credit card points, promotions, and special sales like Singles Day Sale can significantly reduce the cost of long-term hotel stays.
      • Choosing hotels with favorable redemption rates and leveraging credit card benefits can maximize savings and enhance the value of the stay.
    • 18:44 🍹 Lounge Access and Amenities: Inclusive Services

      • Hotel lounges offer a wide range of complimentary beverages, including coffee, tea, cocktails, wine, and more.
      • Food options in hotel lounges are often extensive and may include various cuisines, with personalized service even when the lounge is not crowded.
    • 20:24 💳 Cost Analysis and Affordability Across Chains

      • Calculating the total cost of long-term stays, including lounge access and perks, reveals affordability across different hotel chains.
      • With careful planning, it's possible to enjoy extensive perks, including food and beverages, for under $2,000 per month, making retiring to a hotel a cost-effective option.
    • 21:33 🏨 Conclusion: Viability of Retiring to a Hotel

      • Retiring to a hotel is not only feasible but also comfortable and affordable, with numerous perks and amenities.
      • Documenting experiences and pre-booking stays provide insight into the long-term viability and enjoyment of this lifestyle choice.
    February 22, 2024 at 1:33:20 PM PST * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=kMQaflLaTVI
    retirement
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    4% Rule Definition – Forbes Advisor
    • 💰 The 4% rule suggests retirees can withdraw 4% of their retirement savings in the first year and adjust for inflation thereafter.
    • 📈 Bengen's research showed that portfolios could last at least 30 years, with many lasting 50 years or more, following the 4% rule.
    • 🔄 Asset allocation plays a crucial role in portfolio longevity, with Bengen recommending a 50% stock and 50% bond allocation.
    • 💼 Investment management fees and sequence of returns risk can impact the effectiveness of the 4% rule.
    • 💡 Dynamic withdrawal rates offer retirees flexibility during market fluctuations.
    • 🤔 Despite concerns about market conditions, historical analysis suggests the 4% rule remains a reliable guideline for retirement spending.
    February 19, 2024 at 9:13:17 PM PST * - permalink - archive.org -
    QRCode
    - https://www.forbes.com/advisor/retirement/four-percent-rule-retirement/
    retirement investing income
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    20+ Year Adviser Reveals His Retirement Plans - YouTube
    • 00:00 🎯 Azul's Retirement Criteria

      • Azul's retirement investment criteria:
      • Worry-free investing: Azul aims to spend minimal time tracking investments, preferring simplicity and flexibility.
      • Focus on maintaining cash flow: Azul prioritizes ensuring that his annual cash flows beat inflation to sustain his desired lifestyle.
      • Desire to help children: Azul plans to support his children financially during his lifetime rather than leaving a large inheritance.
    • 03:30 🏡 Azul's Retirement Housing Strategy

      • Azul's retirement housing plan:
      • Owning two smaller homes: Azul plans to have one home in a ski town and another in a warm location near the beach.
      • Rental income: Both homes will be rented out for at least six months per year to generate additional income.
      • Strategic downsizing: Azul opts for smaller homes to simplify his lifestyle and financial obligations.
    • 06:03 💰 Financial Advisor and Asset Allocation

      • Azul's financial management approach:
      • Hiring a fee-only financial advisor: Azul intends to delegate investment management responsibilities to a professional to ensure peace of mind in retirement.
      • Minimal time commitment: Azul plans to spend one day per quarter reviewing investments, with emphasis on quality time with his financial advisor.
      • Emphasis on asset allocation: Recognizing fear as a significant challenge, Azul prioritizes getting the asset allocation right to mitigate risks and maintain stability.
    • 07:39 📈 Investment Portfolio Strategy

      • Azul's investment portfolio strategy:
      • Dividend-focused stock portfolio: Azul plans to allocate a significant portion of his portfolio to dividend-paying stocks for stable cash flow in retirement.
      • Balanced approach: While favoring dividend stocks for income, Azul also considers growth stocks to balance his investment portfolio.
      • Bond allocation: Azul intends to allocate a portion of his portfolio to short-duration, high-quality corporate bonds for stability and liquidity.
    • 09:59 ⏳ Retirement Income Planning

      • Azul's retirement income planning:
      • Delaying Social Security: Azul plans to postpone claiming Social Security benefits for as long as possible to maximize payouts.
      • Utilizing health savings account (HSA): Azul intends to fund long-term care expenses using a health savings account, emphasizing proactive planning for healthcare needs.
      • Supporting children: Azul aims to provide financial assistance to his children while they are young enough to benefit from it, aligning with his values of family support.
    February 19, 2024 at 7:16:34 PM PST * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=E11EuV5JLoU
    Azul retirement
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    10 Things I Don't Buy Anymore (Minimalism & Saving Money) - YouTube
    • 00:00 🏡 Minimalist lifestyle introduction

      • Introduction to comfortable minimalism lifestyle after selling their house.
      • Embracing minimalism for more opportunities and activities, focusing on essentials.
      • Finding joy and freedom in owning fewer possessions.
    • 00:54 📦 Approach to shopping with Amazon

      • Amazon as "Enemy Number One" for unnecessary purchases.
      • Transitioning to practical Amazon shopping, buying only what is needed.
      • Happiness correlated with fewer packages arriving from Amazon.
    • 02:18 🚶‍♂️ Prioritizing quality time over material possessions

      • Spending quality time together through activities like hiking and biking.
      • Opting for coffee outings with friends instead of expensive dinners.
      • Enjoying simple pleasures like ferry rides and dessert outings.
    • 05:42 💳 Managing monthly subscriptions

      • Evaluating and minimizing monthly subscriptions for streaming services like Netflix, Hulu, and Spotify.
      • Keeping subscriptions that bring joy and canceling unnecessary ones.
      • Opting for communication and connection over multiple user subscriptions.
    • 08:32 👕 Simplifying wardrobe and transportation choices

      • Reducing excessive clothing possessions after realizing the surplus.
      • Choosing used cars over new ones to save on transportation costs.
      • Prioritizing practicality and financial savings in wardrobe and vehicle decisions.
    • 10:35 💰 Avoiding bad investments

      • Highlighting the importance of avoiding impulsive or uninformed investments.
      • Emphasizing the necessity of research before investing in individual companies.
      • Advising against following recommendations without thorough understanding and research.
    February 19, 2024 at 10:34:03 AM PST * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=PKa0Zpldw9Y
    Azul retirement simplicity
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    🚫 8 Things To STOP DOING After 60 (& Have MORE FUN 🎉)
    February 18, 2024 at 5:39:44 AM PST * - permalink - archive.org -
    QRCode
    - https://youtube.com/watch?v=nupIMCJQzGI&si=puligoxJEcjOTioo
    retirement living wisdom age
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    Life is Short. Spend The Youth of Your Senior Years™️ Wisely - YouTube
    • 00:54 🌟 Stepping out of your comfort zone can lead to great experiences, even if the transition is daunting.
    • 02:32 💼 The pandemic prompted a shift from routine, offering opportunities for new experiences.
    • 03:39 🌍 Stories like Anne Frank's serve as reminders to seize life's opportunities and pursue dreams.
    • 04:07 🎉 Don't let fear or uncertainty hold you back from pursuing dreams or making changes.
    • 05:13 ⏳ Recognize the limited time available in life, urging action to fulfill aspirations.
    • 06:19 🛫 Exploring unfamiliar places can be done safely and enrichingly with proper precautions.
    • 07:31 ⏰ Seize opportunities now as health challenges or other obstacles may arise later.
    • 08:00 🏄‍♂️ Consider pursuing dreams at the right age, recognizing physical limitations and opportunities for enjoyment.
    February 16, 2024 at 10:13:14 AM PST * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=KuAu1GC-FBs
    Azul retirement life
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    Scam Alert: This Woman Lost $17,000 Despite Using Two-Factor-Authentication - YouTube

    Scam Alert: This Woman Lost $17,000 Despite Using Two-Factor-Authentication

    February 15, 2024 at 8:54:39 PM PST * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=h6i2zVBBcYY
    scam security retirement
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    All the financial advice you’ll ever need fits on a single index card - YouTube
    February 14, 2024 at 3:30:53 PM PST * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=JdUKhgW1gOo
    investing retirement insurance
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    Where Should You Pull Funds from First in Retirement? - YouTube
    • 00:00 🌐 Retirement Fund Withdrawal Strategy

      • Choosing the right retirement account for withdrawals is crucial.
    • 01:35 💰 Understanding Fixed Income Sources

      • Knowing your guaranteed income sources like Social Security, pensions, or annuities is essential.
      • Fixed income sources provide a baseline before tapping into retirement accounts.
      • Understanding when fixed income sources kick in is crucial for planning.
    • 03:54 📊 Calculating the Retirement Fund Gap

      • Calculate the difference between fixed income sources and expenses to determine the withdrawal gap.
      • The withdrawal gap represents the amount needed from retirement accounts to cover expenses.
    • 05:33 💼 Knowing Retirement Account Types

      • Differentiate between taxable, tax-deferred, and tax-free retirement accounts.
      • Understand the tax implications of each account type.
      • Consider the tax treatment of withdrawals and inheritance for each account type.
    • 08:49 📉 Example Scenario Analysis

      • Analyzing a real-life scenario helps illustrate the impact of withdrawal strategies on taxes and portfolio value.
      • Considering factors like Social Security timing, account balances, and tax implications is crucial.
      • Highlighting the importance of strategic withdrawal sequencing to minimize taxes and maximize portfolio value.
    • 14:08 🎯 Strategic Withdrawal Strategies

      • Withdraw from tax-free accounts last to maximize tax-free growth.
      • Be mindful of taxes on Social Security and Medicare premiums.
      • Understand how different accounts pass to heirs and prepare for required minimum distributions (RMDs).
    February 13, 2024 at 8:37:53 PM PST * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=vtXCMxk7uPs
    retirement investing
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    3 Early Retirement Killers For 50 & 60 Year Old's - YouTube
    • 00:14 🔍 Uncertainty about financial stability in retirement is common due to life's unpredictability. Financial advisors use tools like Monte Carlo simulations to gauge probabilities of success.
    • 02:47 🚧 Approaching retirement, the temptation to work "just one more year" can derail plans. It's crucial to have a predetermined strategy and consider the long-term implications of delaying retirement.
    • 04:23 ⚖️ When making financial decisions about retirement, prioritize what's truly important. Don't sacrifice significant aspects of life, such as health and well-being, for marginal financial gains.
    • 05:31 🛤️ Transitioning from work to retirement can be daunting, akin to a major life change like leaving for college. Preparation and effort are necessary, but the rewards of a well-planned retirement can outweigh the challenges.
    • 07:23 ⚠️ Losing one's health can be an overlooked threat to early retirement plans. While staying proactive with health is important, there's always an element of unpredictability.
    February 13, 2024 at 8:11:22 PM PST * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=jglWIZ3oc5M
    Azul retirement
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    2-Fund Portfolio - Warren Buffet Recommends - YouTube
    February 10, 2024 at 6:56:37 PM PST * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=bHD7iH8nU1Q
    investing retirement Warren_Buffett
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    Collecting Social Security at 62, there is a special rule nobody talks about. Good news!  - YouTube
    • 00:15 🎉 There's a beneficial rule for collecting Social Security before full retirement age, allowing flexibility without penalties.
    • 02:28 💼 The earnings cap for Social Security recipients in 2023 is $21,240, with a dollar-for-dollar reduction for every $2 earned above the limit.
    • 03:37 💰 In the first year of receiving Social Security benefits, only earnings after the start of benefits count towards the income limit, allowing for higher earnings.
    • 06:10 📆 The special rule at age 62 provides a break in the first year of benefits and a higher earnings limit in the year reaching full retirement age, offering more financial flexibility.
    • 09:01 📉 Going over the income limits doesn't lead to permanent loss of benefits; excess earnings are withheld temporarily and recalculated upon reaching full retirement age.
    • 10:51 🔄 Social Security recipients have a one-time opportunity within the first year to suspend benefits and restart at a later date for higher payments, with adjustments for missed payments.
    February 7, 2024 at 7:47:36 PM PST * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=tFkdHaTib0U
    retirement Social_Security
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    7 Things You Need To Own In Retirement - YouTube
    • 00:00 🔑 Retirement Essentials: Car, Insurance, and Health

      • Having a car per person is crucial for independence.
      • Healthcare insurance, especially before Medicare eligibility, is essential.
      • Long-term care insurance consideration is significant, given the likelihood of needing it.
    • 02:31 💪 Taking Ownership of Health

      • Taking responsibility for personal health is vital for a fulfilling retirement.
      • Lifestyle choices significantly impact long-term health outcomes.
      • Investing in health through diet, exercise, and mental well-being is key.
    • 04:10 💰 Building and Maintaining an Emergency Fund

      • Having an emergency fund, ideally one year's worth of living expenses, is crucial.
      • A robust emergency fund provides financial security, especially in retirement.
      • Adjusting emergency fund size according to life stage and market conditions is prudent.
    • 06:12 📈 Financial Preparedness and Asset Allocation

      • Maintaining excess cash for emergencies provides peace of mind during market downturns.
      • Allocating assets wisely, including cash reserves, can help capitalize on market opportunities.
      • Financial preparedness goes beyond immediate needs and considers long-term financial stability.
    • 07:05 🏠 Homeownership in Retirement

      • Owning a home offers security, stability, and peace of mind for retirees.
      • Property ownership provides control over living space and potential tax benefits.
      • Homeownership is a personal choice influenced by lifestyle preferences and financial considerations.
    • 08:01 📚 Cultivating Curiosity and Passion

      • Embracing curiosity and passion through learning and exploration enriches retirement life.
      • Reading and continuous education stimulate the mind and foster positivity.
      • Maintaining a sense of wonder and enthusiasm contributes to a fulfilling retirement.
    • 09:00 🐾 Joyful Retirement Moments

      • Finding joy in simple pleasures, like spending time with pets, enhances retirement happiness.
      • Cherishing moments of joy and connection adds meaning to retirement life.
      • Incorporating activities that bring joy and fulfillment is essential for a satisfying retirement.
    February 7, 2024 at 7:24:31 PM PST * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=_DcyS60I1Qs
    retirement tips
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    The most important reason to collect Social Security at 62  - YouTube
    • 00:00 The speaker is Tim, and he's inside his 16-foot camper, a 2016 Wolf Pup 16 FQ.
    • 02:03 The main topic is about collecting Social Security at the age of 62, applying for it three months before one's birthday.
    • 03:28 The only reason not to collect Social Security at 62 is if you are making a significant amount of money or have a high-paying job.
    • 05:28 The idea that delaying Social Security until full retirement age (around 67) results in 30% more money is a myth. The difference is less than advertised.
    • 07:30 The speaker, Tim, is sharing his personal experience of collecting Social Security at 62 with an adjusted gross income of about $17,000 per year.
    • 10:46 Tim believes that retirement age should be 55, as many people have spent a significant portion of their lives working and should be able to enjoy their later years.
    • 15:11 Tim discusses how waiting until 67 to retire may not be ideal due to the physical and mental changes that occur with age, impacting the ability to fully enjoy retirement.
    • 21:21 Tim compares his monthly Social Security income of $1,700 (annual $20,400) to someone making $65,000 per year and how he enjoys more freedom in retirement.
    • 23:08 Tim highlights the benefits of retiring at 62, having more time and freedom to do what he wants, compared to those working full-time jobs.
    • 24:29 The speaker mentions that different sources on the internet suggest a 30% increase in Social Security benefits if you wait until age 70, rather than claiming benefits at age 62.
    • 25:08 If someone collects Social Security at full retirement age (around 67 years old), they will receive approximately $26,520 per year, which is $510 more per month than if they claimed benefits at age 62.
    • 25:22 The speaker explains that starting at age 62, they have already collected $102,000 from Social Security by the time they reach age 75.
    • 27:15 The speaker compares their Social Security earnings to someone who waited until age 67 to claim benefits. At age 80, the speaker has drawn $367,200, while the person who waited has drawn $344,760.
    • 27:55 By age 90, the speaker has collected $571,200 from Social Security, while the person who waited until 67 has collected $609,960, resulting in a difference of $38,760.
    • 30:14 The speaker argues that waiting until age 67 to claim benefits, with the expectation of getting more money in the long run, is a myth. They believe it is a scam as it assumes that most people will not live long enough to benefit from the increased payout.
    • 30:58 The speaker suggests that people can engage in side hustles and make extra money while claiming benefits early, making the financial difference between claiming at 62 or 67 much smaller.
    • 34:44 The speaker emphasizes the importance of enjoying life during the five-year period from age 62 to 67 and questions the value of waiting for a potential increase in Social Security benefits.
    July 24, 2023 at 7:55:29 PM PDT * - permalink - archive.org -
    QRCode
    - https://www.youtube.com/watch?v=UFVRjn49yvI
    Social_Security retirement
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    https://www.marketwatch.com/story/im-61-just-got-laid-off-and-have-550-000-in-savings-and-no-mortgage-can-i-retire-yet-12b78573
    July 17, 2023 at 4:39:31 AM PDT * - permalink - archive.org -
    QRCode
    - https://www.marketwatch.com/story/im-61-just-got-laid-off-and-have-550-000-in-savings-and-no-mortgage-can-i-retire-yet-12b78573
    retirement
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