3 Harsh Truths I Wish I’d Known at 40

In this video, I discuss 3 life-changing things I wish I'd known when I was 40 (I'm 63!).

Enjoy, and I hope this video helps 😁

✅ Execute My 5 Steps To a Freedom Retirement Lifestyle in 30 Days!

✅ Create a Rewarding and Relevant Retirement

📺 Watch Next - My Top 5 Videos:

📚 Recommended Books:

The Top Five Regrets of the Dying by Bronnie Ware

From Strength to Strength by Arthur C. Brooks

Die with Zero by Bill Perkins

✅ Like my t-shirts? Buy here:

✅ Buy my pop memorabilia:

⚙️The equipment I use to record videos:

DISCLAIMER
Some of the links above are affiliate links. If you make a purchase after clicking on one of these links, I may earn a small commission at no extra cost!

#nickmaher #retirement #retireearly

[Barbarapape]

Wise words as always.
My biggest regret from my 40's was not taking my fathers advice to stop wasting money on
luxury goods that i didn't need and pay my mortgage off instead and start saving for my later years.
Now at 69 after my body has taken enough i have little savings for that rainy day, and sooner or later
it is going to bite me hard.
At 40, retirement seems a long way off, but it isn't and it is realy your last chance to be prepared
whilst you have your health to make as much as possible, no one has a crystal ball and who knows
what is just around that dark corner.

[tanandrew]

Thanks for the reminder. 54 now, but 20 years ago I just got married and intended to start a family. Was given a chance to climb the corporate ladder by taking on a middle management position and probably would be in senior management position by now. However, I would have missed those precious years of my boys growing up with more time spent in office and poorer health with more work stress. I decided it was not my calling and never looked back with any regrets.

I also invested my savings to arrive at financial independence without depending on monies from work promotions. On my right path to retire in next few years. 😊

[arierafaeli]

I totally agree with all of this. For myself, I’m 52, and the only thing I would say to my younger self: “grow a beard!”. The time that I waisted on shaving…

[davidturfitt]

Really love the 'get your ladder against the right wall to climb up' analogy - never really thought about it like that before as it always seemed to be you either went for it and climbed or sat back and tried to cruise at the level you were at. Always insightful Nick so keep 'em coming - but only if you have the time and care to do so. Send our very best regards to Uncle Archie as well - top man that he is.

[donnathiede]

You are encouraging me to retire at 64 even tho I only have social security and part-time job. My time and health are more precious than finances.

[leecampbell]

I would tell myself not to take myself so seriously lighten up. Enjoy life more.

[pippipster]

1. Don’t overreact.
2. Don’t buy lots of💩
3. Start a pension.

[rememberdavid]

I would not take things for granted, be kind and time is finite.

[finnished]

I would say it's going to be okay. I did what I knew best at that time. Maybe I would encourage myself to listen more carefully the older people because that's how one can see ahead. But I was busy with my own life.

[Richard-bfb]

If I had one penny for every time someone in the world said, I wish I knew back then what I know now. I would be a millionaire. Don't worry about the past live in the present and enjoy the future

[jaydunstan]

Thank you, Nick. Lovely sunglasses, you look great (as usual). The hamster wheel and the grindstone.

[thomasparg]

At 43 and single, the advice I would give to my younger self would be to start a family in my 20s or 30s and not throw away relationships like they’re nothing. Not starting a family when I was younger is my biggest regret in life. Had plenty of chances to do it.

[David-blbt]

my advice would be ...stop chasing money and enjoy your life with what you have.

the more money that you have, the less you appreciate the simple things that bring far more enjoyment with considerably less stress wjich is detrimental to your future health.

as you say....yourhealth and enjoying your life to the full by not wasting it are the most important attributes to acheiving the fulfilling short time that you reside on this planet.

[CuriouslyInquisitive]

Read Andreas Moritz Liver and Gallbladder flush, amazing what comes out. Thanks for the inspiration Nick, it would have been nice to have this perspective 20 years ago, the second best time is now and these videos are helpful.

[olivermiller]

I would tell my 40 year old that time is presious. I did not look at it in my young years and thought, other things are more important. Regarding your ladder I was quite OK what I was doing. May be some of my past occupations I could do better today, but it is not that important. I´m confident with what I did and what I´m still doing. May be setting saving for retirement to more important, I was not that active in my young years about it. I wanted to live and I spent most of my money till I was 40. After this I changed a lot and 15 years was enough to get the money I need in my later years. But yes, taking this point more serious is one topic I would definitly talk about.

Regarding health I´m a bit more critical to get granted, that if you live healthy, you will get a good health till the end. Yes, you make your body more resistant. But if your time is come, it is over for you. I had three times in my young years (6, 18, 20) situations where everything had a possibility that it is over. You can have a situation, even if you live healthy and make a lot of sports, that you lose your health or your life within a very short time. I´m 58 years old and my be I live as long as your uncle or may be tomorrow it is over. Both is fine for me and I don´t think too much about living as long as possible. You can´t change it anyway. With this and the time I would advise my 40 year old to do as much of the topics you like to do, don´t look what other people think or tell you negative about what you do and try to live a confident life. It is not the work, the responsibilities we all have, it is that you use your life at its best. This is not always possible or easy, but this is the most important you cna do for yourself. And don´t care what will happen, when it´s over. It will be over 100% one day.

[IMeMineWho]

#1 is sooo true. Your parents are the most important if they are great parents..#2. I would have listened to their advice about career.#3. (I now give this advice..lol)..for ppl in the arts: get a good, adaptable day job..and keep it! Just because you have sonw great acting or music gigs does not mean it is a 4ever job..count on the tradeoff for doing what you❤will be is that you keep your day gig..or live a different lifestyle than your married business people friends..you will have led an exciting life..but they will have equity..and one day they..and you will envy each other for tge road not taken.#4. Animals are wonderful. Grew up with them. Always will have them..even if it is a bird or fish.

[frenchvinyladdict]

If I could talk to my younger self, I'd say that relationships should be continually and carefully cultivated, so important to have a "true" network.

[neonsignguy]

If your 73 year old version of you suddenly appeared he would tell you that the 60s go faster than the 50s so be wise with your time

[chrismantonuk]

Nice surprise to find a fellow Yorkie! Huntington resident here 👋 Love the Knavesmire! Also, great advice! I’m turning 40 in December and I’ve thankfully realised this year how pointless and unrewarding it is to chase business and money, and how important it is to enjoy time with the people I love. I’d tell my younger self that, and also: don’t waste money on credit cards, start saving for retirement now.

[Sherlock]

Never mind what would I tell my 40 year old self, what would my 80 year old self say to me now. 😊
I like your ladder analogy, I think Stephen Covey said in his book about the 7 Habits, “are you in the right jungle?”