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All assets associated with the tag: choosing when to retire

Choosing when to retire Coverage

Making the right retirement decision is crucial. Understanding your lifestyle goals, market risks, and financial preparedness are key to ensuring a secure and fulfilling retirement.

<p>We have folks that, you know, are living on, you know, two or $3000 a month and they're completely happy. We have some folks that are withdrawing, you know, large and as the market is just going to go up and up and up and up and up. So, you know, there's, there's been some real pitfalls that I've seen and some plans that are out there where someone comes in and says, you know, hey, I'm, I'm a little bit concerned where we are and our belief is, is a major concern is longevity risk. You know, do we want to get into our seventies? These people are living longer. Do you want to hit at 80 85 years old and run out of money? There's nothing wrong with having money in the market where people make the most mistakes is when they get in and when they get out or how they get in and how they get out. So that's why it's vitally important to have a true investment plan set up, customized for you and your family, your wants, your desires, your fears because the one thing that damages people most in the stock market is buying high because they have the fear of missing out and selling low because they have the fear of losing, they're already lost. And you sell down, you lock in your losses. So the magic of the market is to buy low and sell high. Get in and get out with more. If you're getting out with less, you have the wrong strategy. So make sure you have the right strategy and what we've seen in the market, as long as it's a legitimate stock over time, that stock usually comes back. But once it comes back or if you have a good game, the best time to get out of a stock is when you have a big gain. So you're not up until you're out, get out of the stock with a gain and then never look back my opinion when I talk to people every single day who want to retire at different ages, some want to retire before age 65. And my opinion is if you can do it, the problem with retiring early is number one, you're not working anymore, you're not earning that working income. Number two, you're probably going to live a long, you're going to live a longer life with less income because you retired early. But if you have enough money put aside and you have a true income plan, you can retire early because you know what your income is going to be. You need that growth protection, income account that helps your money grow, protects your growth is your lifetime income. Once you have that established retirement is a piece of cake. I talked to some people almost every day who don't want to retire. Therefore, they're working to pass the age 65 to 70. Sometimes the advantages of that they're not digging into their retirement account because they're still working. The disadvantages are when they decide to retire. You know, one of the things I'm 55 now, one of the things I've learned as I get older, I could do less. I can still do what I want. But mine tells me I don't want to do it. So the younger you are, the more you're going to enjoy that traveling retirement. So if you want to travel the 1st 10 to 15 years of retirement is when you should do all the fun things because there's no guarantees in life the day you wake up today could be the last healthy day. So make sure you treat it that way and do everything you want to do when you can do it. I talked to people who are still working patch age 70. Now, one of the disadvantage of that is your social security is not growing anymore. It stops growing at age 70. It's still there. It's not growing anymore. So if you worked from 65 to 70 to give that money, the time to grow because it grows about about 8% per year your benefit. But once you reach 70 there's no benefit to working anymore unless you like to work. I talk to people almost every day who are happy where they are and don't ever plan on retiring. But if that's not your piece of then retiring at 70 is probably the ultimate goal because you've got the full growth of the Social security. You probably had a lot more time to build your retirement accounts and now you can live the dream you always wanted to live in retirement. Fortunately, in the world we live in, there's many times where people show up to work and they're told they're not needed anymore. Call that forced retirement, they call it early retirement. It sounds nice. It's not nice, you're being forced out. So the people that are successful are the ones that plan ahead for something like this to happen. That's why we like to get that checklist out and check off all the things that could happen and make sure our plan could sustain that. So the magic here is to start saving for retirement as early as possible and get a plan that, you know, is going to give you that lifetime income. Therefore, if your boss tells you you're not want anymore, you're already set to go, you're ready to hit that finish line and celebrate life. But if you don't have money put aside, that could be the worst time of your life?</p>

Choosing when to retire Coverage

Money Desk: Choosing When to Retire