When You Understand This - Why WAIT? скачать в хорошем качестве

When You Understand This - Why WAIT?

Ever dreamed of ditching the 9-to-5 grind before you're grey and grumpy? Welcome to the  ⁨@Simonmoneymatters⁩  channel where we will make money make sense. #financialfreedom #financialeducation #moneymatters #retirement In this week's video we'll look at the real truth about early retirement but eyond the Instagram fantasies of beaches and passive income streams. Discover why early retirement isn't just a magic number like 55, 57, or 62, but a life stage where your time trumps your paycheck. We'll explore the ultimate test no one talks about: six critical areas to evaluate if you're truly ready to retire early and reclaim your freedom. Does your money work harder than you? True financial independence hits when your investment income and passive income sources—like dividends, rentals, or royalties—cover or exceed your lifestyle expenses. But it's not just about hitting a savings goal; it's about building a resilient portfolio. We're talking global diversification to weather market crashes, inflation spikes, currency dips, and economic slumps. Forget putting all your eggs in one basket (looking at you, Magnificent 7 stocks) early retirement demands survivability, not just optimism. Learn how to stress-test your finances for long life expectancy and volatile returns. Is your health taking a hit? High-stress jobs can wreck your sleep, energy, and mental wellbeing, leading to burnout faster than you think. As comedian Jimmy Carr-inspired wisdom puts it: Depression dwells in the past, anxiety in the future, but your body suffers right now. If work is stealing your vitality and you're financially set, sticking around could be the costliest mistake. We'll share real stories of how prioritizing health over hustle pays off in the long run. Doyou know what you're retiring to, not just from? Escaping a soul-sucking job is great, but without purpose, early retirement turns into boredom with fancy furniture. From interviews with top 1% pensioners, we reveal how meaning, growth, contribution, relationships, health, and creativity make freedom fulfilling. Design your post-work life around what lights you up—whether it's travel, volunteering, or hobbies—to avoid drifting into regret. Have you road-tested your retirement budget? Spreadsheets are fine, but nothing beats living it. Spend a year mimicking your projected spending, handling unexpected costs, and riding out market dips. This builds confidence, turning early retirement from a risky leap into a smooth transition. Who are you building this for? Early retirement isn't selfish, it's about legacy. Whether for your partner, kids, parents, or community, knowing your "why" sharpens decisions. Don't sacrifice your healthiest years chasing wealth while loved ones grow without you. Presence and time create lasting impact beyond money. Early retirement reclaims your health, energy, curiosity, and relationships while they're still vibrant. If you nod yes to most of these, you're not dreaming—you're delaying. Time is the one currency you can't earn back. Watch now for bonus tips on a 5-year exit plan and how pensions can double despite withdrawals. Hit play and start planning your freedom today! #money #moneymindset #investing #retirementplanning #retirementsavings #retired #retireearly #finance #financialliteracy #financetips #financialplanning #savings #savingmoney #personalfinance CHAPTERS 00:00 Introduction 01:57 What is early retirement? 04:21 Investment risk and early retirement 05:51 Your health is your true wealth 07:01 How to retire TO something and not just FROM 08:03 Can you live on your retirement income? 08:57 Who will benefit from your early retirement?