A lot of you are working unnecessarily. Now, I also know a lot of you are like, hey, I actually

really like what I do. I just want to do it because I want to, not because I have to. And that's what I'm all about. To be honest, I don't really love the word retirement. I just want to work because I want to. I don't want to be forced to do it. And so maybe that means I'm taking an extra day off every, you know, week or whatever it is.

For you all, I want to make sure it's the same, that you're working because you want to,

not because you have to. In today's podcast, I'm going to go through the checklist that I run my clients through before I'm giving them the green light to retire and the different things that they should be considering. So I'm going to go through that.

If you don't already know, my name is Ari Taublieb. I'm a certified financial planner.

I'm the host of the early retirement podcast, and I'm the vice president here at Root.

So last week I mentioned that I was going to go through a comment of the week, and then I'm going to go through as well a criticism of the week or a funny comment. So I want to make this as entertaining as possible. And if you guys are like, hey, this is silly, then let me know. Of course, you can just go to my website, early retirement podcast.com and just submit a question and tell me. You might go, no, these are really fun and engaging. I like hearing them and I've got more thoughts for you. So guys, this is your show. I'm just making the content. So hopefully this is helpful

and we'll go from there. So the first comment for the week is Mike, this is a very kind one from

C. Krolluck, who says, this is the only podcast I've ever shared with someone else.

Well done.

That's how the show grows. I don't do advertisements. I don't want ZipRecruiter to come on and talk and hello fresh. And I listen to a lot of podcasts myself. And it's annoying when I hear those. I'm like, hey, just tell me, I came here for this content. Now I recognize ads are a part of the game. and sometimes I know on YouTube, they're going to put more ads on there, but I put it on the minimal setting because I know it's annoying because I, as well, as a podcast host, am a podcast listener.

So completely understand that frustration.

Now let's go over the funny, if not criticism of the week.

This comes from Peng, P-E-N-G- Magno 7395, who says, I wish that you also

discuss your clients that are happy instead of focusing on those who has a lot of complaints,

geez, with like an emoji like this. Look silly, I get it. But the point here is great comment. I like all comments, even the hate comments. I'm weird like that. I'm like the weird advisor that likes talking about fees as well because my parents were burned by multiple and I want clients to know what they're paying and I want people to go, oh my gosh, how much more would you let me pay you because I see the value. And if not, I don't let anyone work with us. So regarding this comment, hey, I wish

also discuss your clients that are happy. I hope that I can express the true feelings. So I'm not

trying to tell this person who left the comment. No, I'm also not trying to say yes, meaning I want to

tell you what they feel. And so this particular comment was left on a video where I talk about the three regrets for my clients who retired early. And yeah, there were some deep regrets of, hey, I wish I worked six more months. I wish I worked one more year because then I could have traveled and done, you know, a lot more of what I wanted to do. And I just don't retire too early. I've seen that. And I've also seeing people where it's the opposite and they go yeah you know i just one more bonus one more year two more

years madembourg too early. I've seen that. And I've also seen people where it's the opposite and they go, yeah, you know, one more bonus, one more year, two more years max, and then they just keep working. And they keep working. And their spouse is like, hey, you said we were going to retire. When is this actually happening? And then they're 66. And then their health's not the best and their energy. And they're like, yeah, well, we've got five million bucks now. But I would argue, what good is it? If your money truly cannot support the level of the lifestyle you want, whether it's active or travel, whatever it is. So I find most people are working not always unnecessarily, but they're working in a state of, I don't know how much longer I need to work. I don't know if I think about things differently,

if that means I can retire earlier. If you're telling me I could educate myself to a degree that would give me confidence I could retire early, then I would do it. So that is my reply to that

comment. So hopefully I'm not always focusing on clients that are whining. And I hope all of you can recognize that as well as the fact that

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