I'm 78. The 5 Years Before Retirement Decide Everything — Here's the Checklist I Wish I Had at 60 скачать в хорошем качестве

I'm 78. The 5 Years Before Retirement Decide Everything — Here's the Checklist I Wish I Had at 60

The last 5 years before retirement matter more than any other. Here’s the checklist I wish I had at 60. I'm 78 and retired 13 years. When I look back at the five years before retirement, I feel pride — and real regret. Nobody gave me a clear checklist. So I’m sharing the one I wish someone had given me. The last five years before retirement are not a continuation — they are a transformation. Your goals change. Your risk tolerance changes. Your tax strategy changes. Even your identity changes. If you treat these years like any other, you may retire financially prepared — but emotionally and structurally exposed. In this video, I walk through: • How to calculate your real retirement number • The health insurance mistake that quietly costs retirees tens of thousands • Why accumulation portfolios often fail in retirement • The tax window most people completely miss • The identity shift nobody prepares you for This isn’t about retiring early. It’s about retiring ready. ⏰ CHAPTERS: 00:00 - The 5-Year Transformation 01:17 - Know Your Exact Number 03:47 - Health Insurance Landmine 06:22 - Portfolio Restructuring 09:09 - Tax Strategy Window 12:00 - Social Security Timing 14:36 - Identity and Purpose 17:20 - Complete Checklist 19:17 - Final Thoughts ⚠️ DISCLAIMER: This video is AI-generated for educational purposes only. It is not affiliated with or endorsed by Howard Marks. Nothing in this video constitutes financial advice. Always do your own research or consult a licensed financial professional before making investment decisions. #RetirementPlanning #PreRetirement #RetirementChecklist #RetirementAt60 #RetirementStrategy #SocialSecurity #Medicare #RothConversion #RetirementIncome #FinancialPlanning #SequenceOfReturnsRisk #RetirementCountdown