You Know You're Ready to Retire Now When You Can Answer YES to These 4 Questions

If you can answer YES to these 4 simple questions, then everything may be aligned for you to retire now. Not in a year, but right now. The first one is the obvious one you may already be asking yourself, but the third and fourth might not be something you’ve put much thought into.

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Dave Zoller, CFP®

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[holidaytinn]

I recently retired from teaching for 25 years at age 55. The diagram that you drew with the circles hit home for me. That explained exactly how I felt about teaching at the end of my career. Most teachers keep working until they are 61 or older. My observations about that is that most of my colleagues have children that they are still putting through college, or Adult children still living with them that are well into their late 20’s and 30”s . My wife and I chose not to have children. I don’t have that adult child responsibility. I live comfortably on my pension. I could have stayed working if was into being greedy. Some people work way too long because they want their retirement to be something like traveling the French Riviera drinking champagne and eating caviar. I’m happy with what I have. No investments, no tax problems, very little debt. I think your questions complicate the retirement decision more than it needs too. I built a camper van out of an old service van and I now travel and have adventures very inexpensively.

[outdoorguy]

Just remember one thing. A bad day of fishing is still better than a good day at work

[bsljkvh]

Thank you for making some content that is not always “the math”. I like the “have you had enough?” question. I am in my final 16 months to retire at 55.5 and keep thinking I am “one bad day away” from that limit. Until then I am focusing on staying highly engaged and coaching / mentoring the new / younger associates at our company. I found this gives me joy and let’s me play a bit of a game towards downloading my 3 decades of experience to the next generation. I find myself saying “thank you” so much more as I am very mindful of the countdown!

[truthjustice]

Good points, but you missed the biggest issue in the US. The dismal healthcare system. If you retire before 65 with no subsidized healthcare, and the most recent tax year had high income, one is looking at significant premiums with very high deductibles. So, one needs to budget for that. $30k out of pocket before coverage.
I'm good on the 4 points you covered.

[toddspangler]

2:13 proceeds to draw a crude version of the death star. 😅

[KaleyandAddi]

#2 Have I had enough? Yes, this really resonates with me.

[barbiec]

Unfortunately, we are in stage 3 and it isn’t pretty. 😂 We are together 24/7 because he has no outside friends or interests. It is an adjustment and we are getting through it.

[larriveeman]

i am willing to take more risk as I am debt free and have a great fed pension, with health insurance at the same rate as when I was working, not taking SS until FRA

[blackbeardpapa]

Good video... I don't have enough for retirement...not yet, but God i am trying

[gingerkilkus]

The thought of retirement makes me cry. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you weren't to blame for.it's especially difficult for people who are retired.

[abelurban]

The circle analysis was on point with my reality!

[nitkama]

Finances is not the only thing and NO ONE KNOWS, how much we need in future and how long? I know for you, this is a busuness and your bread-butter, so keep it on, the person who has earned enough and lived respectfully without any debt, can very well plan everything and can live with minimum and happyly at the same

[mikerapp]

Absolutely. The four points you cover was exactly what I considered before retiring. Answered yes. Did it. Am very happy

[johnb]

Yes x4. completed reverse IRA rollers to current 401k. will retire May 31st under rule of 55 and have maxed this yrs 401k contribution as well. Also retired military so have healthcare covered. Cant wait!!

[joseperez]

Number 3 is huge, idle hands, depression.

[remitremblay]

Great video…especially about the spouse! Hahaha, we decided to stage our retirement dates…so 1 of us went 3 years ago, figured out what to do with retirement life…and now, its my time! It takes courage…and abnegation…you need to let go of quite a few things…to open up to NEW things!

[rexboaden]

Number 1, “do I have enough?” Also depends on an aspect of wealth not mentioned here; Health. Number 3, “do I have enough to do?”, never fear, with all that freed up time new possibilities present themselves. Just have an attitude of curiosity, that the world is an utterly fascinating place. Even just going back to work part time can provide structure to your time, and a reason to get up out of bed in the morning.

[DJWaldron]

Age 63 - Yes to 1 and 2; No to 3, Unsure of 4.

[randolphh]

A little old fashioned on the couple thing. Many couples now both work and both retire on a similar timeline. We both have recently retired from our careers, and are definitely in the “go-go” period. The major adjustment is the pace of life slowing which is 99% positive, but requires a different attitude. As a couple we are better than ever.

[curtsmith]

I appreciate your consise analysis and the perspective you convey in your videos. Great stuff!
Where does the dashboard come from that you display at about 0:40?