5 Signs You Are Saving TOO MUCH For Retirement

00:09:17
https://www.youtube.com/watch?v=tA3CSXvJrFg

摘要

TLDRVideoen tar for seg problematikken med overbesparing og hvordan det kan hindre en i å nyte livet. Programlederen deler fem tegn som indikerer at man kanskje sparer for mye og ofrer nåtiden for en usikker fremtid. Det blir lagt vekt på at det er viktig å ha en balanse mellom sparing og å leve i øyeblikket. Bruken av eksempler og anbefalinger fra Fidelity Investments belyser hvor mye man bør ha spart i ulike aldersgrupper. Til sist oppfordres seerne til å vurdere om deres besparelser er interessekonflikter med deres livsstil og gleder.

心得

  • 💡 Overbesparing kan hindre deg i å glede deg over livet.
  • ✈️ Hvis ordet 'noen gang' er vanlig for deg, er det et tegn.
  • 🌍 Utsette eventyr kan føre til tapte muligheter.
  • 🧗‍♂️ Frykt for å ta risiko kan bety at du sparer for mye.
  • 📊 Sjekk Fidelitys anbefalinger for sparing etter alder.
  • 🏖️ Kjenn igjen viktigheten av å kjøpe tilbake tiden din.
  • 🤔 Evaluér om du har for mye spart i forhold til livet du ønsker.
  • 🥳 Husk at livet også krever glede og opplevelser.

时间轴

  • 00:00:00 - 00:09:17

    I denne videoen utforsker vi potensielle tegn på at man sparer for mye i pensionsbransjen og ofrer gleden av livet i dag. Det første tegnet er når "en dag" blir din favorittord; dette refererer til når du kontinuerlig utsetter tilfredsstillelse som reiser og opplevelser for en uspesifisert fremtid. Det andre tegnet er å sette av eventyr og muligheter for personlig vekst, og hvordan utsettelse av hobbyer kan hindre glede i livet. Det tredje tegnet involverer frykten for å ta risiko i karrieren, hvor noen holder på høyere betalte jobber på bekostning av livskvalitet. Det fjerde tegnet er overvurdering av hvor mye man bør spare i forhold til retningslinjer fra Fidelity Investments, hvor man kan vurdere å senke sparekravene dersom man har betydelig mer spart. Til slutt diskuteres verdien av å kjøpe seg tid ved å ansette folk til mindre oppgaver, noe som igjen vil gi mulighet for mer fritid til meningsfulle aktiviteter.

思维导图

视频问答

  • Hva er tegnene på at jeg sparer for mye?

    Tegn inkluderer å alltid si "noen gang", utsette eventyr, ta unødvendig lav risiko, og ha mer spart enn Fidelity's anbefalinger for alderen din.

  • Bør jeg kutte ned på sparingen min?

    Hvis du har betydelig mer enn det som er anbefalt av Fidelity, kan det være lurt å jobbe mindre og nyte livet mer.

  • Hva sier Fidelity om hvor mye man skal ha spart?

    Fidelity anbefaler at man har én gang lønnen spart ved 30, to ganger ved 35, tre ganger ved 40, osv.

  • Hvordan kan jeg kjøpe tilbake tiden min?

    Vurder å ansette folk for oppgaver som å klippe plenen eller rengjøre huset for å frigjøre tid.

  • Hvorfor er det viktig å ha balanse mellom sparing og glede?

    For å sikre at man lever livet fullt ut mens man også forbereder seg på en sikker fremtid.

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  • 00:00:01
    unfortunately I do sometimes wonder
  • 00:00:04
    whether my industry the retirement
  • 00:00:06
    advising industry is unnecessarily we in
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    a group of the US population that
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    frankly many of you my viewers are part
  • 00:00:14
    of and that's the group that's very good
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    Savers already and perhaps you're too
  • 00:00:19
    good of Savers and you're sacrificing
  • 00:00:22
    your journey so in today's video I'm
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    going to share with you five thing five
  • 00:00:26
    signs that you might be over saving in
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    un necessarily sacrificing having fun
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    today in order to prepare for a stronger
  • 00:00:35
    and a a brighter future so let's jump in
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    and the first one is if your favorite
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    word is someday you know someday I'm
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    going to go on a trip you know to to New
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    York City and and and see the sky
  • 00:00:50
    skyscrapers and and go to some shows and
  • 00:00:54
    if someday maybe isn't coming like you
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    thought it would you know if you thought
  • 00:00:59
    you were sacrific ing for a year or two
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    maybe you're sacrificing when you're
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    putting yourself through college or
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    trade school and you said when I get out
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    of out of this then I'm going to splurge
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    on myself and do some nice thing so if
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    your favorite word is someday and and
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    MPA guilty is charged it happens to me
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    sometimes as well so that's the first
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    sign the second sign is if you're
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    putting off Adventures if you're putting
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    off opportunities to improve yourself
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    and to continuously grow and
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    continuously learn because it's it can
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    be
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    expensive right for instance one of the
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    things I like doing my adventure right
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    now is is travel traveling to different
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    countries but you know I have a tendency
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    to only go on these trips when I can
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    score a really good deal on airfare and
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    you know what sometimes like I'm here in
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    New York City right now and it's as I
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    record this it's early fall and it's
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    absolutely gorgeous here so could I have
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    gotten lower airfare in February when
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    it's cold and and glue me out probably
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    um un fortunately for me I was able to
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    get inexpensive airfare in the fall but
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    if you're postponing Adventures if
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    there's things that you want to do um if
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    there's things that people that you love
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    people in your life that want to do but
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    you're constantly pushing it off and
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    saying well we'll do that someday but
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    you're you're postponing these
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    Adventures or you're postponing learning
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    either new hobbies or maybe new skills
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    now learning new skills probably is
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    going to have a pretty good return on
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    investment for you but what about new
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    hobbies I would argue that that's the
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    spice of life that that's the return
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    that all of us want which is the joy how
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    much joy am I getting out for out of
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    this investment and there's there's a
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    really good book that talks about that
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    it's called it's got a strange title
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    admittedly it's written by Bill Perkins
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    and it's called die with zero that talks
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    about there's these periods of time that
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    make sense for us to to do certain
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    activities for instance if you've got
  • 00:03:15
    young kids you know going to Disney
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    World is probably something you want to
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    do before they're teenagers and they get
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    jaded uh and and and they're cynical
  • 00:03:26
    right so there's a a pocket for that and
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    then there's also a pocket for
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    um a period of time that makes sense for
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    us to do the activities that we we want
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    to do I learned to skateboard I learned
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    to surf in my 50s um and and I'm no
  • 00:03:41
    longer in my 50s and I'm really glad I
  • 00:03:43
    did that because it was easier to bounce
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    back when when I wiped out um after that
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    I could still learn to do those things
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    now but you know my my my teenage years
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    were the best years to have learned that
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    but I didn't do that so if you're
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    postponing Adventure
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    the next one
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    is sometimes when we're good at saving
  • 00:04:04
    money sometimes when we're good at
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    investing money we're afraid to take
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    risk maybe we have a job that pays
  • 00:04:12
    really well but maybe it requires us to
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    work 10 or 20 hours a week more than
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    what we wish we had to maybe we're
  • 00:04:20
    working 50 or 60 hours a week instead of
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    40 and maybe there's another job that
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    doesn't pay as much but would give us
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    better quality of life and maybe we're
  • 00:04:31
    afraid to do that because you know we
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    don't want to give up that salary or
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    maybe in the back of our minds we know
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    that there's another chapter in our
  • 00:04:41
    lives and we want to switch careers but
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    we're fearful to give up that warm and
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    cozy feeling that we have in our current
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    career that we know we're good at that
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    we've done for 5 10 15 or 20 years so if
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    you're afraid to to take risk that might
  • 00:05:00
    be a sign that you're saving too much
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    that you're not enjoying the journey
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    along the way now I'm not saying that we
  • 00:05:07
    should sacrifice our financial security
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    and so for Point number three I want to
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    share with you what the Fidelity
  • 00:05:15
    Investments Fidelity is one of the
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    largest custodians in the United States
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    they have a report that they put out and
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    they say this is how much money you
  • 00:05:24
    should Benchmark to save by age and I
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    want to share that here cuz if if you're
  • 00:05:30
    three four five times the amount that
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    Fidelity is saying you should have saved
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    at a certain age maybe you can afford to
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    ease off the throttle a little bit I'm
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    not I'm not saying to not save any more
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    money I'm not saying to put your
  • 00:05:45
    financial future at risk but I'm saying
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    to blend it to to to seek you want both
  • 00:05:51
    if you can you want to enjoy today and
  • 00:05:54
    also um prepare for a secure future but
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    Fidelity's numbers would say
  • 00:06:00
    by the time we're 30 years old we should
  • 00:06:02
    have one times our salary saved by the
  • 00:06:06
    time we're 35 years old we should have
  • 00:06:08
    two times our salary saved by the time
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    you're 40 we should have three times our
  • 00:06:14
    salary saved by the time we're 45 we
  • 00:06:17
    should have four times our salary saved
  • 00:06:20
    by 50 we should have six times so let's
  • 00:06:23
    say you're making $100,000 a year and
  • 00:06:27
    instead of
  • 00:06:28
    $600,000 which is what Fidelity saying
  • 00:06:31
    you should have saved at 50 let's say
  • 00:06:34
    you've got $2.5 million saved I'm just
  • 00:06:36
    throwing out numbers maybe you're 30 and
  • 00:06:39
    and and you're making 50,000 a year
  • 00:06:41
    instead of having $50,000 saved maybe
  • 00:06:44
    you've got $150,000 which is saying
  • 00:06:47
    you're you're ahead of the game and
  • 00:06:49
    maybe you can you can ease off that
  • 00:06:51
    throttle a little bit let me just finish
  • 00:06:53
    the Fidelity table people 55 Fidelity
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    saying they should have seven times
  • 00:06:58
    their salary say people 60 Fidelity says
  • 00:07:01
    eight times and by the time you're 67
  • 00:07:04
    you should have 10 times your salary if
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    you're making 50,000 a year that would
  • 00:07:09
    be$ 500,000 you're making $100,000 a
  • 00:07:12
    year that would be a million dollar but
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    if you're way ahead of that maybe that's
  • 00:07:17
    a
  • 00:07:19
    sign that you can you can ease off the
  • 00:07:22
    throttle a little bit and then I also
  • 00:07:24
    want to talk about as we get older as
  • 00:07:27
    our savings start to to accumulate our
  • 00:07:30
    money starts working harder for us than
  • 00:07:34
    we're working for our money because the
  • 00:07:36
    growth on that existing base and a great
  • 00:07:40
    place as our money's working harder for
  • 00:07:42
    us a great place for us to buy back some
  • 00:07:45
    of our time to throttle back to work
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    less is to hire other people for tasks
  • 00:07:52
    that are easy to hire other people for
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    I'm thinking like you know for me mowing
  • 00:07:58
    the lawn um when my kids were young I
  • 00:08:01
    wanted them to see Dad out mowing the
  • 00:08:04
    lawn so I mowed the lawn but you know
  • 00:08:06
    what when they went away to college I
  • 00:08:09
    paid somebody to do that and we've paid
  • 00:08:12
    somebody we haven't always paid somebody
  • 00:08:13
    to clean our house but we do now those
  • 00:08:16
    tend to be the easy ones and the other
  • 00:08:18
    big bang for the buck might be investing
  • 00:08:20
    in our health and maybe that means
  • 00:08:23
    somebody does some meal prepping for us
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    to make that easy or uh there's
  • 00:08:28
    different services for like $100 a year
  • 00:08:31
    you can get groceries delivered to your
  • 00:08:34
    house um this is not sponsored by the
  • 00:08:36
    Walton family and Walmart but um Walmart
  • 00:08:41
    plus offers grocery delivery and it's
  • 00:08:43
    one of the best $100 I spend a year so
  • 00:08:48
    if you're not having other PE if you're
  • 00:08:50
    not buying back your time maybe it's
  • 00:08:53
    time to think about throttling back and
  • 00:08:55
    if you also want to see not just how
  • 00:08:57
    much you should save which is what that
  • 00:08:59
    Fidelity report was but what the average
  • 00:09:02
    income is for retirees in the United
  • 00:09:05
    States that's why I made this video up
  • 00:09:07
    here take a look I think you'll find it
  • 00:09:09
    fascinating I suspect you're doing
  • 00:09:12
    really well I'll see you in the next
  • 00:09:14
    video thanks for watching this one
  • 00:09:16
    byebye
标签
  • pensjonsrådgivning
  • overbesparing
  • livskvalitet
  • Fidelity Investments
  • økonomisk sikkerhet
  • eventyr
  • balanse
  • risiko
  • sparing
  • glede