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Very good episode !! Nice to hear theses real life testimonials! Continue your good work Joe! From Sainte-Cecile de Milton, Quebec, Canada 🇨🇦! 👌👌👌😎😎😎

As a recent retiree one of my favorite aspects of this stage in my life is diving down a rabbit hole to learn/investigate a subject. Yesterday it was bond ladders; the day prior it was identifying Oscar nominated movies I had missed viewing when they were released (now I have a list to carry in my wallet to leverage on my library visits). These “mental adventures” - along with a handful of planned activities - make each day interesting and fulfilling.

No happy hour?

No happy hour?

@Joe: Would you find purpose in your RUclips videos if you didn’t have the viewership you have now?

Thanks for sharing with us your retirement. The statement about having a purpose in retirement. I completely agree. Today I think many young people do not have a purpose in live and are just existing day to day.

Nice shirt! Boiler up!

I’m still a year plus a few months from retirement. I’ve actually put together a “typical week” of activities. Posted the schedule on my wall for review. Provides some structure. And reveals I won’t be bored! Of course, I am quite adept at “doing nothing” and just relaxing, too. So, a day of “nothing” won’t cause any angst for me. I do have some health and fitness goals I want to start in retirement and that will keep me occupied.

Good video. I, too, have a similar pattern. Get up, take an hour, and walk with the dog. Do yoga, have breakfast, and read. This my time is very special to me. After that, I am planning a late lunch, we eat a big mid day meal, taking my wife to Dr. appointments, study some portuguese, shop at the local market, etc. Having control over my time is precious. Retired 6 years (retired at 57). I can't say I've ever been bored

my dad was the same way when he first retired, Joe. he's slowed down as he's gotten older as we all do, but he was just as busy in retirement as when he was working - difference being with what he wanted to do and when, like you said.

GM Joe wondering if Newell Recycling of East Pointe was a supplier of aluminum and UBC Cans for the processes at plant you worked at? I worked there for 5 Years.

My days will be so full in retirement. One of the best time benefits for me will be not having to go at a breakneck pace. There are so many things that I can't get to because of the job. I already have a "draft" plan of how I will fill my days.

Hey Joe, outstanding content! Your videos have helped me finally give notice to retire at 54! A quick question to you.....what are your age ranges for the go-go, slow-go and no-go stages? Also how much do you decrease spending (percentage wise) when going from one stage to the next? Thanks and keep up the great work.

As usual, game me insight b4 my retirement. Thanks! Do you kids choose to travel abroad? What about you?

Go Boilers!

Ty for sharing. Having flexibility is priceless.👍🏽😊 Tampa, Florida

Sounds like a typical day in my semi-retired life except I get paid for the little bit of work I do. I really can't imagine fully retiring. I consider myself extremely fortunate to have a career that affords a lucrative semi-retirement.

I am exhausted just listen to you and here I 😮 sit in my underwear drinking coffee and watching. cnbc

I am definitely not bored in retirement.

Entrenched in mental accounting behavioral economic fallacies like “buckets” will reduce your after tax, risk adjusted, total return.

"I work on what on want, when I want." I think that is the key. Much lower stress than the daily grind of a job!

Thank you. Hard to do “typical” day lol. Since you have the freedom to do anything

The key … doing what you want when you want. Well done.

That was helpful! And I agree with you about how the seasons (e.g. shorter or longer daylight days) impact some of the routines or hobbies we enjoy

Joe, The avg. American is having a tough time, I know I am not alone. There are others in same position as me. By certain statistics: 22% of americans have no retirement savings. 64% are worried that they will not have money in latter years while 47% of adults who are not yet retired think they have to work part-time in retirement. How can I best grow the 100k I have saved seperately outside retirement access which of course had depleted over the years?

Stocks extended their year-to-date rally following the CPI report, with the S&P 500 last up 0.8% in afternoon trading. but I don't know if stocks will quickly rebound, continue to pull back or move sideways for a few weeks, or if conditions will rapidly deteriorate. I am under pressure to grow my reserve.

THANKS. Just what I needed to watch. My wife and I are administrators of our farming business and our own properties, as well as small pensions. I am almost 56, my Wife is 52. We have started saving for retirement from the farm and maybe live off rental income, I would really appreciate it if you would do a video on how to earn passive income online and retire comfortably let's say 1 million bucks.

I retired 2 years ago at age 54, directly after watching one of your videos....18 months later, I went back to work because I was worried about the markets, the geopolitical situation the world finds itself in, and the fear/ "threat" that If I waited too long, I would not be able to find employment as I got older... I have been back at work now for almost 6 months, and it was a mistake...After watching this, I am putting in my notice on Monday....

Given the persisting global economic crisis, it's essential for individuals to focus on diversifying their income streams independent of governmental reliance. This involves exploring options such as stocks, gold, silver, and digital currencies. Despite the adversity in the economy, now is an opportune moment to contemplate these investment avenues.

I retired at age 47, which was ten years ago. I distinctly remember spending my first month doing tow things: (a) running all the financial calculators online to see if I was going to run out of money, and (b) astonished that everyone else --delivery man, postal worker, water meter reader, grocery store clerk, etc--is still working so I'm a non-contributing member of society.

Joe, you helped me to make the leap and retire. Thank you so much! I retired at the end of April of this year. My wife and I just finished an awesome cruise to Alaska. My BIG surprise? In the past I would have thought, near the end of the cruise, “oh no, I don’t want to go home yet!” But this time I was ok with going home, and getting back to our house and life. Thanks for helping people with this chapter of our lives!!

I use sinking funds and do a yearly zero based budget, I am a spender so this helps me limit and control my spending, I will be continuing this method into retirement. I love your bucket method and am in the process of building bucket 1 and a bridging account so my husband can retire 2 years earlier.

------------------------------------------------------------- *_PLEASE STOP USING Spreadsheets!_** It falls way short optimizing every retirement factor* Retirement Tool Link I reference and use and recommend -- New Retirement. Free 2 week trial. $120/yr after. You will buy this after trying (I have purchased for 4 years ). * NEW NAME: BOLDIN All my old links will continue to work for your free trial!* www.newretirement.com/?nr_product=NRC&nr_a=35&nr_medium=affiliate& -------------------------------------------------------------------- *Need a CFP to create your retirement plan for a one time fee?* My Recommendation: Neil Fortwendel (812) 471-2492. Neil created my plan. Plan updates as you wish for a smaller fee. Check Neil out on Facebook and LinkedIn. ---------------------------------------------------------------------- *DO NOT GO IT ALONE!!!!!!!* *Money Pickle - FREE! use link to set up a FREE 45 minute dialog with a Financial Advisor* No obligation. Get answers to your questions. Get an expert to look at your plan. moneypickle.com/joekuhn --------------------------------------------------------------------- *Plant Manager, Maintenance Manager and Career Consulting -- 1 hour virtual via Teams/Cell Phone* sowl.co/s/bQifp ------------------------------------------------------------------------- Most Popular VIDEOS *Health Insurance before Medicare* ruclips.net/video/KPs4RXOOS64/видео.html *You Cannot retire with these 4* ruclips.net/video/4qlCbfizoaI/видео.html *2 shocking surprises in retirement * ruclips.net/video/pCDR29HztnQ/видео.html *15 things you must let go to retire * ruclips.net/video/Hg0nvDeM1X4/видео.html *My retirement budget* ruclips.net/video/A5PCt_43Ruo/видео.html * 5 early retirement regrets* ruclips.net/video/9qCbvCF2Swk/видео.html *this convinced me to retire* ruclips.net/video/cU6qG_xC5CU/видео.html *Timing of Social Security* ruclips.net/video/UMH4UM3F3Ag/видео.html *How I fill my buckets* ruclips.net/video/vKMGjb1Myv0/видео.html *How I document my retirement plan* ruclips.net/video/aYmiXTmZAms/видео.html *What I have learned from 300 retirement coaching clients: * ruclips.net/video/EqZutxRckUw/видео.htmlsi=dqz8JoLrcpfgjj9t --------------------------------------------------------------------------- RECOMMENDED FINANCIAL ADVISOR - Assets under Management or one time plan creation Neil Fortwendel with Northwestern Mutual ph: 812 471 2492 Video by Lean Driven Reliability LLC This is not investment advice. For entertainment ONLY. Seek professional help to understand your unique situation. #retirement #retirementplanning #retireearly #retireearlyandtravel #financialfreedom #financialindependence #retirementincome #retirementstrategy #findingpurpose #keto #ketodiet #ketovore #hiit #hiitworkout #healthylifestyle #howmuchcanIspend

Excel workbook where I can tinker with inflation, separates non inflation fix3d expenses from inflation impacted expenses, fixed income and stock yields while also modeling historic returns helped me with sequence return risk and multiple what ifs. Turned out a tad more conservative than New Retirement so I felt pretty good

I watch your channel, and 3 or 4 other channels about retirement and finances. But the New Retirement / Boldin program is what REALLY put my mind at ease about retiring when we did....

❤❤❤

Thank You.

So you can move to refill at any time like in the middle of a good month?

I decided to retire in Oct 2022 and actually retired at the end of Dec 2022, the day I turned 60. Oct '22 was the lowest my retirement account had been in a couple of years, it had recovered slightly by the end of 2022. So my retirement plans were shaken, but not destroyed, now nearly 62 and have been retired for almost 2 years, our retirement balances are up about 30% since retiring. I am sure a 30-40% down market will mentally affect me, but I know it would only take me back to about where I was when I decided to retire, giving some peace of mind that I was OK then and will be OK in a future downturn. So I hope I am post the point of questioning my retirement decision. My advice: once you hit your number pull the lever and get out of the rat race.

I may be guilty of trying to reverse-engineer bucket 3...:) On the surface, having "80%" after accounting for 10 years of expenses seems really conservative (even accounting for the SS income) - but maybe I'm misunderstanding your 80-20 allocation? None of my business, of course, other than trying to compare my tentative plan with your active one.

Been a prolific saver in top .1% and retiring at 56. I’m 30 day away from leaving and totally terrified. I follow the bucket rule and keep 5 years liquidity handy if the market corrects.

six months away from retirement, will be 62, have a certified financial planner, plan at 95%, and feel confident in it. I am commission sales and beginning to have FOMO on the next deal, walking away from good $..trying to be disciplined on my set date but tough some days.

Joe “ I have been told no a lot”. No is a speed bump to a YES! Keep trying….

So you have 10 years of expenses in cash and you will start to draw your SS in 10 years. Your SS and your pension will be enough to cover your expenses…I like your odds of success! I can see why you moved so much into cash.

Good video , no pension but I planned to spend most of it before the last day. No going crazy but enjoying life . Plan is working good but change is sometime we need review a few time a year. But spend it and enjoy life. Good financial planner and we review 2 to 3 time a year and adjust accordingly .

I am sending you 100.00 bucks for a haircut and shave.

I am not a fan of the new "Boldin" name. It has been much easier to tell people "New Retirement, look it up!!".

Great examples. Thank you.

New Retirement missed an opportunity changing its name to Boldin, Joe. they should have spelled it with an "e" instead. after all, they're emboldening their users to retire with courage and confidence. remember, you read it here first. my idea. 💡😂

You’re a good guy Joe and you’re sharp, however, your ego has the better of you on this video. There are so many intricate things you’re wrong about on this video. You’re not an economist my friend. Stay in your zone; you said a lot of things here that just aren’t completely accurate