Some of you are like, I just need you to tell me financially, do I need to keep working? And if the

answer is no, I am out of here. Others of you are like, no, even if I knew financially, I was good

to go, I probably wouldn't stop working. Maybe I'd do something else. Maybe it would just feel better

going to work. I'm probably not going to stop, but it would feel nice.

Now, there's a wide spectrum there, but what I'm going to talk about today is how can you retire on your own terms? Because the last thing you want is to be working because you have to be working,

which no one wants, but really is where someone, I'm not saying this would happen to all of you or that it's happened to many of you, but it's happened to a few of my clients. And it's not fun when all of a sudden the boss changes and all of a sudden now you've worked for someone for 10, 15 years, the politics of the office, what have you. It's just different. And now you're like, look, I don't know if

financially I can retire. I don't know if I really want another job at another company because

I've been here for so long, or I've just got that reputation that I want to uphold and I kind of like the work I'm doing, but the environment I don't love. And what happens is now all of a sudden you're really working because you're forced to and then sometimes i've seen it where people go retire anyways

and they're not going to do you know what you're not going to do of a sudden you're really working because you're forced to. And then sometimes I've seen it where people go retire anyways. And they're not retiring on their own terms. They're just retiring because they don't like the situation at work. And they feel that they might be able to get away with it. And then maybe in a few years they find something else that helps bring in more income. You don't want to do that.

It just does not make for a successful retirement. So I'm going to talk today about how to retire on your own terms. And no, one of you said, all right, it's really simple. If it's just not working out with your boss, you just go horrible boss's style on them. Get a few friends, take out each other's boss. I go a funny concept, but no, don't do that.

Okay, so I each other's boss. I go, a funny concept, but no,

don't do that. Okay. So I have some funny clients. Now, I'm going to walk through this with you.

There's one comment I want to make at the beginning, though. And this is that term that I talk about

called recreational employment, which is the fact that I believe most of you actually like working.

I just think whether it's the work you're doing now or there's something else out there that

you're going to find more fulfilling and you're wondering, can I actually do that or do I actually

need to work at all?

The difference here versus what traditional retirement looks like is retire 65, two kids, white picket fence,

die at 95. That's not the majority of people I'm talking to. The people that I help are between

the ages of 50 to 65 going, look, I don't know how much longer I need to keep working, definitely

don't want to retire too early and run the risk of going back to work wishing I worked two more years. So I actually could have done everything I wanted to do, but I don't know how much longer is too long. And I talk to a lot of people that do what's called goalpost planning. It's not a real term. I made it up where people go, oh, yeah, I'm about to retire. Just give me six more months.

Oh, yeah, one more bonus, two more years. I'm almost done. And then five years go by. And then their spouse goes, hey, I thought we were going to spend more time together. So what's going on here? I thought we were going to take more trips. I thought that we had enough money. And now you're saying we need $10 million. And before we had $5 million and that wasn't enough and how much is enough? And that how much is enough, that eats at a lot of people. So I'm going to walk you through a few ways to think through retiring on your own terms, even if technically you're still working because I few my life, like I'm retired because I'm getting to do everything I want to do and I love it. And some of you are like, hey, it's the same with me. Others of you are going, no, I'm truly working because it's a paycheck and I don't know what else I would do. So with that being said, if you don't know already, my name is Ari Taublieb. I'm a certified financial planner. I'm the host of the early retirement podcast that you're listening to

...