12 Sacrifices You Will Have To Make To Retire Early

День тому

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🚨 Azul's VIDEOS ARE NOT FINANCIAL ADVICE (Disclaimer) 🚨
This information is only provided as an informational resource and should not be viewed as investment advice or recommendations. To get professional financial advice from a fee-only financial advisor near you, please visit www.napfa.org.
The decisions on how to invest, when to retire, and other financial planning topics are some of the most important financial decisions you will make in your life. I urge you to seek professional financial advice as you make this decision. Ideally, from a financial adviser, AND a CPA AND an attorney. Having the perspective of all three professions will help you make the right decision for you and your family.
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022 Edited by Asuma

КОМЕНТАРІ: 138

@kurttSchuster 4 дні тому

I'm a 48-year-old doctor feeling burnt out from long hours and stress. I've never invested in a retirement portfolio because I've always believed the economy would collapse eventually. However, I plan to retire soon and I'm curious: If you had $100k to invest safely in stocks over 4-5 years to grow, how would you start?

@tonicruger 4 дні тому

I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.

@eastwood224 4 дні тому

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

@Mcllwain 4 дні тому

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.

@eastwood224 4 дні тому

She goes by ‘AMBER KAY WRIGHT’ I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did

@Mcllwain 4 дні тому

I appreciate this. After curiously searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.

@jameschaves5723 9 днів тому

I’m 53 and semi retired. People ask me “what do you do with your time”? I say anything I want!!

@cashflow68 7 днів тому

Nice, I fully retired at 58 and now spending more time to investing in my growing my portfolio.

@chuck_in_socal 9 днів тому

Hard to imagine anybody has a problem saying "I'm retired". It's an accomplishment!

@hanwagu9967 9 днів тому

I've found replyig with "I'm retired" has the normal follow-on question of "what did you use to do." Perhaps you may get this follow-on question more if you retire early/younger or are younger than the person asking who is still working. It's natural for people to want to relate, but it's also an evaluation or judgement of how the heck you are retired when the other person isn't.

@markfairbairn1769 9 днів тому

Great advice Azul. I’m in Australia, I retired from my nursing job at age 61. My wife & I have no lofty retirement ambitions other than to enjoy life! 2.5 years later, we’re both doing ok, the everyday stressors of life have greatly reduced & life is pretty good! My life is no longer dictated by a clock….!

@davidwilliams4865 9 днів тому

Congratulations!! Retired after 30yrs of ER nursing. My initial "problem" was awaking in the morning and trying to remember if I was working my usual 12 hours shift or had simply picked up some additional hours!! Luckily, that faded after several week. LOL

@jameschaves5723 7 днів тому

Congratulations, I’m 27 years into Cardiac nursing, while I am recently enjoying a less stressful position, I’m ready to retire.

@Lewyn298 7 днів тому

I began working at 18, strived and grew my portfolio to $600k by 33. Recently, lost over 30% and want to mitigate risks. Also, planning to buy a home soon and want my portfolio to grow to a 7-figure ball park i can retire in 9 years. What should I do?

@sommersalt88 7 днів тому

I don't think here is the place for personalized investment guidance. However, I suggest consulting with a reliable advisor like Azul to ensure appropriate retirement planning.

@greekbarrios 7 днів тому

IMO, Adding JEPI and JEPQ is smart for retirement. As for staying committed to low-risk investments, it's all about balancing your risk tolerance with your long-term goals.

@Curbalnk 7 днів тому

De-risk your portfolios, shore up your core holdings, and take some profits while balancing your portfolio allocations. I’d also suggest you go with a managed portfolio, but even those don’t perform so well, so it’s best you reach out to a proper fiduciary to guide you, that’s what works for my spouse and I. We've made over 80% capital growth minus dividends.

@blaquopaque 7 днів тому

I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

@blaquopaque 7 днів тому

I appreciate this. After curiously searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.

@tatianastarcic 8 днів тому

I think the retirement crisis will get even worse. A lot of people can’t save because of low paying jobs, inflation, and insane rental rates. And now that home ownership is out of reach for middle class Americans, they won’t have a house to retire with either.

@Michaelparker12 8 днів тому

Rising prices have affected my intention of retiring at 62, working part-time, and building my savings. I'm worried about whether individuals who weathered the 2008 financial crisis found it less challenging than my current situation. The stock market's volatility, coupled with a reduced income, is making me anxious about having enough for retirement.

@nicolasbenson009 8 днів тому

This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.

@BridgetMiller- 8 днів тому

Mind if I ask you to recommend this particular coach you using their service?

@nicolasbenson009 8 днів тому

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Melissa Terri Swayne” for about five aiyears now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

@berniceburgos- 8 днів тому

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

@funL1F3 9 днів тому

i’m so excited to retire early, i’m a year away! i will be 46! looking forward to hanging out with the ocean!

@NewGuy2024 9 днів тому

I am 47 and been saving since age 23 and looking forward to the year I turn 59. We actually have a 457 as well so it will probably be much sooner like 53 or 54. I can see and smell the finish line. Sooooooo excited to be honest!

@eq2092 9 днів тому

I'm same age and shooting for the year I turn 55. That's when I can get at my 401K assuming I stay at my employer.

@travelseatsyellowlab 9 днів тому

Life goes so swiftly, so enjoy it. At 47, you most likely aren't halfway through this journey. By 59, you could be well beyond the halfway point. Don't rush it.

@jumpingjeffflash9946 9 днів тому

i gotta get to July 2026/55 and it can't come fast enough.

@josemanuelmacias7968 9 днів тому

Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult...

@codecreateurroku6764 9 днів тому

Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.

@Itsaraveeef 9 днів тому

Having an investment advisor is the best way to go about the stock market right now. I was going solo, but it wasn't working. I've been in touch with an advisor for a while now, and just last year, I made over 80% capital growth minus dividends.

@RalphBischoff 9 днів тому

Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things

@scrumpy615 9 днів тому

Jeff demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit

@mikeyreacts5839 9 днів тому

I'm surprised that you just mentioned and recommend Mr Jeff Clark. I met him at a conference in 2018 and we have been working together ever since.

@philc.9280 9 днів тому

Many correct facts and observations here. I had to almost force myself from my medical career at age 69. Loved my work but realized I had to stop at some point, especially if I only have less than 1000 weeks (19 years) of active life left. Will max out on SS next year and plan on doing a combination of travel, meeting old acquaintances and family, and old hobbies I've neglected over the years.

@douglasthompson9482 9 днів тому

Great information. I have been retired for a few years. In my past, I never cared what job I had. I definitely don’t miss a structured work week. I gave decades of time to create someone else’s dream. I now build my own dream. One other thing… I always walked my own path. People never made me feel better at work. Really quite sad but my life is so much better now .

@AzulWells 9 днів тому

Glad you are enjoying retirement Douglas. You are right. Most of us spend out working years building someone else's dream. Retirement is a chance to build your own dream. Well said ... Azul

@larrymcgowen5883 9 днів тому

Azul I have listened to your UKposts videos for quite some time and almost always find them helpful. I’m 77 and well on my way through a very comfortable retirement aside from my diagnosis of lymphoma. As a retired cpa I followed the advice I preached to my clients which was to save significant amounts during my working years. That has given me the opportunity to thoroughly enjoy retirement without worrying about financial constraints. Your advice will help many I’m sure.

@markmcleod5079 9 днів тому

All the best to you on battling lymphoma! I can't really offer any advice to you, but I ~think~ that if it were me, I'd like to be able to maintain a heart of gratitude to God for giving me a good life and whatever number of years He deems right. I'm praying for peace for you and, of course, good medical care.

@rosed6058 9 днів тому

Personally, I can not wait to retire this December for every reason you mentioned 🙌 I can not wait to sacrifice all 12!

@xlerb2286 9 днів тому

I hear you loud and clear. Work is what I've done to live, but it's not me and I can put that work down and walk away with no more than a "job well done, bye bye". Though taking money out is going to be hard, that's breaking a 35 year old habit of saving and investing.

@loraost1860 9 днів тому

Azul you are a great speaker, love your videos and advice... you dont need the videos in the background its actually distracting from hearing what you say... thanks so much for all your time and advice.

@ChrisM-jf7xz 9 днів тому

So glad you’re back Azul, missed you. You’ve inspired me to set a date and I’m actively getting set up for it. Your knowledge is helping me form my plans. I’ll be retiring from work at 57, but not from life, and will have more purpose than I’ve ever had. Thanks, keep it coming!

@mbeenz 9 днів тому

Love Listening to Ya Good Buddy! You make a Ton of Sense! Many Thanks

@pattimork3175 9 днів тому

Great video Azul! So glad you're back! Retirement at 55 is right around the corner for me - I am working hard to prepare as well mentally as I have financially. My husband retired just over two years ago and I'm going to send this to him - these are so true!!

@nancyspence2965 6 днів тому

Sound advice worth watching! Thank you Azul!

@markmcleod5079 9 днів тому

Azul! Your advice and information is always spot on. All the things you mention in this video have been rolling around in my head as I ponder when is the correct time to call it quits. Thank you for this new list of things to consider. I'm especially connecting with 11 and 12...probably means its time to go.

@user-bs1lj3kv7h 9 днів тому

I have been living below my retirement budget for a decade and that has set me up for the ability to have a great early retirement at 55 in a few months. It was seen by others as a “sacrifice” but my spouse and I saw it as an investment in our future.

@oceansunsetak 9 днів тому

This is one of your better videos . From experience I can tell you everything you have said has affected me. When people ask me what do I do? I tell them nothing

@miked5357 9 днів тому

I am ready the challenge myself to make these sacrifices!!!🎉🎉🎉

@lovethomassowell 9 днів тому

Thank you, Azul! An avalanche of collected/lived wisdom in each one of your videos. In month 10 of phase one and loving every minute of it. We had purposefully designed our lives since our 30's but never with such an awesome blank slate to work from. We may miss phase two because we have renavigated ourselves several times before and are used to the process. Phase three may be tougher because we have already done many of the typical later-career options (volunteering, entrepreneurship, consulting, teaching, etc.) so it might be a hobby for each of us. As you have touched on before, no two retirements are the same and we each need to create our own amazing journey.

@maymey 9 днів тому

SOLIDARITY time? To quote from The Princess Bride, "You keep using that word. I do not think it means what you think it means." You likely mean "solitary" time, or "solitude".

@physicslawyer9845 6 днів тому

Thank you, Azul!! :)

@ongoingnews 9 днів тому

Awsome Azul - Fan of the first hour - great work

@AzulWells 9 днів тому

Thanks for the positive feedback. Azul

@nanniecath528 9 днів тому

Great video Azul

@sharidworkin-jw1rn 5 днів тому

Incredibly helpful video

@josephlugo5707 9 днів тому

Thanks Azul. Retired at 55 now about to hit 56 and have no regrets. By the way my favorites on the list is 11 and 12 . 👍🏻

@lilibethvilella 9 днів тому

Missed you so much!!!

@AzulWells 9 днів тому

That is kind of you to say. Thank you! Azul

@jayb1108 5 днів тому

Thank you for your thoughts 👍👍👍👏👏👏

@mitchellloder1032 9 днів тому

Great video

@gerry2345 9 днів тому

I like this vid. Good insight.

@RetireandGo 9 днів тому

Great list Azul Living low cost in Asia allows me to add shares to my dividend account every month and grow my retirement in retirement You would be proud haha Have a great day

@richgreenwood7343 9 днів тому

This is a great video. Most people won't appreciate it till they are into their retirement, but it is actually true. I just found my head nodding as each new item was listed. I'm fortunate as I was doing all these things prior to retirement, so comfortable today. For those close to retirement, I recommend you listen to this. He is very accurate.

@killerbgarage6364 9 днів тому

Welcome back

@AzulWells 9 днів тому

Thank you! Great to be back! Azul

@davidpoffenbarger3686 8 днів тому

I've been retired a bit over 3 years and love every minute of it. A lot of these challenges I never really faced. While my career was awesome, it was never my "identity". My family comes first but being involved in motorsports most of my life has been closer to my identity than my career and that carries over into retirement. We worked hard to create an income stream that allows me to continue being involved in racing. And as I age, I'll certainly move out of the driver seat, and into other roles in that world. I can't see that passion ever leaving and my hope is all retirees find whatever creates that for them. I wake up every day with things to do, things to look forward to and fortunate enough to have found someone to share it with.....

@ejames6431 9 днів тому

So true. 👍

@Shirley-AnneDickner-lt4zo 9 днів тому

To the point 👍

@JohnBeeblebrox 9 днів тому

I liked how you framed most of these as sacrifices when, IMHO, most of them are positives. Set me up for today, my last(!) day at work before early retirement at 63 😊

@newtboys 9 днів тому

I almost switched away until you got rid of those goofy bubble captions at the beginning. Thanks!

@user-99.99 5 днів тому

18 weeks and I’m out at 50. Thanks for the advice. 😎

@joepisane7756 9 днів тому

I have been watching you for a while now, i am calling it quits at the end of this year at 62 and i month . I live in a rural area of Missouri where typical numbers are not realistic to me. Between ss and a pension, I'm not intending on needing my savings. However it is nice to know it's available just in case

@markmcleod5079 9 днів тому

It's a curiosity to me that when some folks get in this saving mode during our working years along with being somewhat (or a lot) frugal, probably especially if you weren't particularly well off, and you get to retirement with an income source or two and all the savings isn't immediately part of the spending plan. Must just be part of the mindset one develops over time. And for the record, I am right there with you on age, likely target date and (no) plans for my savings. Best of luck to you!

@eileenmueskes7206 9 днів тому

I'm so glad/relieved you are back online. My husband and I are not retired yet but watch your videos as we plan for the future inevitability. You break everything down into such easily digestible pieces and your ongoing encouragement keeps us moving toward our goal in a confident manner. Keep on doing your thing. Your work is greatly appreciated.

@7rd8 9 днів тому

Great information, as always, Azul! I think you mean "solitary time", right?

@stevenharris6626 9 днів тому

I put my retirement money in a budget based on my savings. I have 50% in bonds and 50% in stocks. I'm comfortable that I won't spend it all, but I'm definitely more cautious about what I spend.Great video again, and I'm glad you are BACK!!! And by the way, I already tested my spending prior to retirement and I am confident that will be just fine when I am ok......

@AzulWells 9 днів тому

Congrats on "test driving" your retirement budget. Not many people do that. Great job. And, thanks for the welcome back ... so happy to be back! 😎 Azul

@cashflow68 7 днів тому

When I fully retired at 58, I lost 99.9% of my work family. No problem because it was just a work environment. Now Im enjoying growing my personal investment portfolio and continue about investing. Thank you for your videos.

@dantheman6607 9 днів тому

Great video Azul can’t wait to retire at age 58 with a pension and hefty 401k 😊

@joshuabryant1187 9 днів тому

Hi Azul - why do you recommend short term corporate bonds instead of government bonds?

@joans5619 2 дні тому

We made pretty good salaries for the last 40 years overall and our social security will be $6000 or so together each month. We plan to not touch our savings and only use social security and our pensions and should be just fine. We won’t likely invest in any high risk so we can keep all our savings as long and safely as possible. We will be fine. I can’t wait to just stop thinking about my job. O want the freedom. Of course having a spouse makes that smoother and more fun. We have a large yard and garden so that will take our time. I like to volunteer and enjoy walking and hiking. My husband enjoys creating wood crafts and fishing on his boat. On the cooler days we enjoy working on home improvement tasks in the house. I hope all these things keep us busy and we can have enough money to enjoy life. We will have no debt so just regular monthly bills. He’s retiring at 66 in July 2025 and I’ll be in 67 and retire in March of 2028.

@joeyburton1968 9 днів тому

Do you take on new clients? wanting to know more specifics..

@Gotcha-xy7fv 7 днів тому

On the ability to overspend, I find the older I get the less things I want. Things are a pain in the butt to manage.

@mikeab1yk911 9 днів тому

Can you provide some information about taking a sabbatical for a year or two and then returning back to work again? This is assuming that you can get just as good of a job you left when you decide to return. How would you calculate if your break from saving for retirement during this time would have unrepairable consequences to your retirement savings?

@philmarsh3859 9 днів тому

I'm going to do open source software to hopefully support small business.

@hanwagu9967 9 днів тому

Um, if you are married, you will continue to have someone filling up your to-do list. If you are married, you aren't sacrificing that sense of urgency either...honey, go do this now.

@waynejpark560 7 днів тому

Sounds great..not.

@hanwagu9967 6 днів тому

@@waynejpark560 being married? Married people life longer, have more financial efficiencies, etc. Aside from that, no matter how much I protest about doing my honey-do-list, it gets me time away from my wife.🤣😇

@FIRED13 8 днів тому

Azul. In 2022, the NASDAQ was down over 30% and the S&P500 was down almost 20%

@untouchable360x 9 днів тому

Sacrifice is never easy or it is no true sacrifice.

@Northern_Squirrel 8 днів тому

Many people who could retire early but keep on working for “just one more year” because of the extra income they don’t want to give up or fear of inflation, recession etc.😀

@travelingfool9096 9 днів тому

I am well below the numbers you deal with, but I went at 59.5. Doing another cross country camping trip this year, my most ambitious and plan on trading until my health or money dries up. Seize the day!!

@christineschmidt1025 8 днів тому

Same, I’m single and about 9 years from retirement and can’t imagine having an expense of 5K or 6K. I guess i need to amp up my finances.

@STF68 9 днів тому

I retired early at 55 1/2 thanks to the IRS rule of 55. 7 months in and I love it.

@Gotcha-xy7fv 7 днів тому

Nice. I never used it, but knowing the rule of 55 was there was comforting should I lose my job. 62 and I am through.

@commodorekrunk8827 9 днів тому

I'm 56 years old and my target retirement age was 59 1/2. However, I was laid off in January which is a first for me and a big curveball to our plan. Despite what the news is saying, the job market is tight...there are 1000's of applicants for every job. So it is difficult to even get an interview. The problem we have is that we have the savings to retire now, but it is mostly in our IRAs, and we can can't get to it for 3 more years. So the challenge for us is what to do until we can get to the magical 59 1/2.

@dkparsons17 3 дні тому

There are a couple ways to get $ out without penalty before age 59 1/2: 1. The Rule of 55: withdraw from your current 401k in the year >= you turn 55. Not sure about once you've left that last job. 2. IRS rule 72t: withdrawing "substantially equivalent payments" from an IRA.

@travelingthediaspora7996 8 днів тому

#5 solitary time. Not solidarity

@thefinefrugalline3232 9 днів тому

5000, wow, I’m making it on 2000 and happy as a clam

@Mindsi 9 днів тому

Please mitigate all known risk BEFORE🎉🎉🎉🎉🎉🎉

@philmarsh3859 9 днів тому

You really don't have flexibility at any time to overspend. Working or not. You need to be saving for retirement and other financial goals during work.

@HarryEidem 9 днів тому

How do most of you guys still making profit? Even with the downturn of economy and ever increasing life standards

@APICSKH 9 днів тому

Spam alert😂

@youarehere1251 9 днів тому

Buy low, sell high and don't be greedy.

@jebbuckerson 9 днів тому

It's solitude, not solidarity. Solidarity is "sticking together," as in the Polish anti-Communist resistance under Lech Walesa.

@charlesluecke7110 9 днів тому

You mean I was supposed to save money? Crap...

@AzulWells 9 днів тому

Thanks for making me laugh ... 😎 Azul

@LegalBeaver1 9 днів тому

Nope, I have always identified as retired in a working person’s body. I will finally be me. Hahahaha

@anthonybutler3157 8 днів тому

Always enjoy your videos. Two criticisms regarding this though, first a minor one, it is a knot in your stomach rather than a not in your stomach. Second solidarity does not refer to solo time but rather the notion of being in support, sympathy and communion with another person or group.

@charlotteann222 6 днів тому

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Jane Hinson

@Emilymaya33 6 днів тому

Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.

@MichaelLogan972 6 днів тому

You trade with Jane Hinson too? Wow that woman has been a blessing to me and my family.

@MargieWallber 6 днів тому

As a beginner what do I need to do? How can I invest, on which platform? If you know any please share. I'm new at this, please how can I reach her?

@edwardrichard6995 6 днів тому

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

@charlotteann222 6 днів тому

she's mostly on Telegrams, using the user name

@bonefishboards 9 днів тому

13. Get rid of your college age kids

@BEACHDUDE71 7 днів тому

I won't make it to retirement

@walled_gardener 9 днів тому

You’re a financial advisor and you’re not a fan of budgeting??? I won’t be calling you for sure.

@derekroy2093 9 днів тому

I sacrificed my early retirement by having 5 children and I have ZERO regrets.

@BradSullivan-vw5ii 9 днів тому

*Thank you Angela Christine Derle for $60,000👍🏻. So many opportunity to make money here on UKposts but most people don’t know. Thank you for continuing updates I'm favoured, $60,000 every two weeks ! I can now give back to the locals in my community and also support God's work and the church. God bless America*

@TaylorHarris-vq4uw 9 днів тому

In life, I will forever be grateful for health, wealth and a great professional whose help has been great for my finances.

@ibrahimseth8646 9 днів тому

Second chance from government. Dividen(Yield)=12% Loan(Yield)=5% Payout(30 Year)=10,000,000 { Loan(30 Year)=5,000,000 Income(30 Year)=5,000,000 } Invest(30 Year)=10,000,000 Yield=12% Invest=10,000,000/1.12^30 Invest=333,800 Loan(30 Year)=5,000,000 Yield=5% Loan=5,000,000/1.05^30 Loan=1,156,800 Loan=1,156,800 { Invest=333,800 Extra=823,000 } Debt=400,000 Yield=5% Year=30 Debt(30 Year)=400,000*1.05^30 Debt(30 Year)=1,730,000 Thank you.

@NolanGouveia 9 днів тому

What's up man your channel is growing strong and you and I have similar views on money! Congrats! Let's link up for a fun collab video soon. What is your email?