I create content + inspire on self-growth, holistic lifestyle, building wealth and confidence in yourself. :) I'm excited to share learnings, life experiences, and wisdom with you!
I think you did the right thing! As a guy if a man touched my thighs I would be shocked.
@Scarhj8 сағат бұрын
Stop the cap
@aryadalal20875 күн бұрын
It’s important and recommended by experts to have rest days and not work out every single day. The muscles need to rest and recover.
@OmDesk7 күн бұрын
so now we have to own a house and renting it for more is the only way to keep up ? just shoot me
@Yolomamba249 күн бұрын
Wait a minute. Your interest rate went up?! You mean you didnt get a fixed rate mortgage?? And you didn't refi to a fixed when interest rates were at its lowest?? Clearly. Mistakes were made. And its weird you dont touch on it at all. I feel like that was a big reason in why you would feel miserable owning your home. Also, has the 2008 housing crash taught us nothing? All this research and you still tie yourself to a variable rate mortgage...
@WhyBTCwillbeworthmilliondollar9 күн бұрын
TLDW; Buy Bitcoin. Homes are getting cheaper a lot cheaper when denominated in BTC
@GODjihyo9910 күн бұрын
Idk…it’s kinda early to commit to a major thing like that and place
@LiquidFlower10 күн бұрын
just because some older person says you should own a home doesn't mean it works for your situation here and now. times change. Do proper budgets. before throwing yourself into a "dream"
@katscandance10 күн бұрын
Condo is more comparable to an apartment than a home with land.
@PandorasExecutioner11 күн бұрын
thanks, this makes me think home ownership wouldnt be for me. i havent even kept a job for ten whole years just cuz i change jobs to move up in pay and career. i like the examples of your friends. i def think it's problematic that people see homes as investments rather than places to live in. it's just contributing to housing crisis
@Momomomomomomo111 күн бұрын
As someone who bought a condo in Toronto Canada and pay 4500 in mortgage a month, I don’t relate 😂
@jchong41612 күн бұрын
Where do you live that you can afford a condo in your 20s?
@raidtheairwaves4213 күн бұрын
Buying a home is like buying a single stock in the sp500. You have to pick the right one
@bonnolog13 күн бұрын
I bought a house back towards the end of 2020 because I had a rly crappy apt neighbor who smoked everything available to humanity every single day, so I promised to myself that I would never share a wall with someone ever again. Moved to the suburbs into a single detached 2100sqft newly built home, 20% downpayment, 1975USD/mo, 15 yr fixed rate loan. Last yr. I average 3864USD/mo with mortgage, property tax, utilities (water, gas, internet, electricity), lawncare (too lazy to mow the 5000sqft yard...), pest control, home and car insurance, HOA combined. Best decision I've ever made. I can run naked, vacuum, and sing at 1am (I may or may not have done this). Split this between 2 people and it lands a little less than 20% of my gross income. I learned everything from scratch, so it was quite an adventure... I am more of a technical person so I care more about quality/specs, so I did visit a lot of houses in construction and narrowed down a good builder to buy from, to worry less about house maintenance. Narrow down their construction areas in the city, look at the desirability (school ratings, safety, proximity to my work). There's one more map I use but I would not comment in here lol, really helpful.
@erik871913 күн бұрын
People have drank the kool-aide on buying a house. The real estate lobby made it seem like owning a home is a right of passage.
@arvincabugnason672813 күн бұрын
Clout
@itsnicolesyk14 күн бұрын
Hi guys, just wanted to share a few tools and things to consider when deciding whether buying a home (or any investment, really) is a good investment for you: 1. The research I shared is from Nobel Prize winner Yale Economist Robert Shiller. I've linked sources in the description for your reference. He pulled U.S. housing data dating back from the 1890s to 2012 and discovered that house prices, after inflation, saw no price increase. Based on his findings, housing price increases were often due to housing bubbles/fads/trends that would eventually pop. 2. Break-even analysis: This helps you determine how many years it will take for you to "break-even", aka make back your full investment. You want to divide the total investment cost by the annual income (either profit from renting and/or savings from rent) the home is expected to generate each year. The only thing is, you also want to account for inflation- people often don't take into account inflation when they do this. In your forecasting of expenses, make sure you also factor in inflation (i.e., 2.5-3% would be a conservative annual increase, based on past average annual CPI, consumer price index). 3. If you've already bought a home, you want to check if you've profited after inflation: you could use the CPI as reference - it's published online via government sites and updated on an annual basis. You want to cross-check the CPI factor the year you bought the home and sold it with your home price bought and sold. 4. Someone mentioned how a home is an investment if they want to pass on this property to their kids/future generation. That sounds like you're giving a gift and sure, that could be an investment for your future generation. You might want to just consider whether it's more profitable to pass down a stock market portfolio or a home, after accounting for inflation and taking into consideration the time + energy for the home. 5. Lastly, we all have different situations, lifestyles, we're living in different places. I'm not saying you can not profit from a home. Sure, you can fix up a home and then sell it for a higher price in a short period of time (I wouldn't call this a passive investment then - it seems like earned income to me). You can get lucky and sell off during a housing fad (according to Schiller's work, a lot of the prices go up during housing bubbles). I recognize that some people might also feel safer putting their money into a physical property. If that makes you sleep better at night, then go for it. In the end, I just want to share my perspective and learnings. You get to make the right moves for yourself. Hope this helps clarify things!
@jonathangarciavalle50615 күн бұрын
The buy a house not a condom.
@victoriatam117315 күн бұрын
stocks are a great investment!
@WhyBTCwillbeworthmilliondollar9 күн бұрын
They've gone down when denominated in Bitcoin by a lot. But you do you
@user-xg2or5pz6y16 күн бұрын
You are a beautiful human being. Your whole vibe, the yoga and good eating. Can feel your good nature through the screen. 🎉❤🙏
@s510198416 күн бұрын
I went through the same thing when i bought in 2016. The cost to maintain is annoying as hell but with a family n 2 kids there is no chance id wanna be a renter with rising rent cost and maybe being evicted if landlord decides to sell. You did well buying at 23, i made more bad life choices and bought at 31...
@greengreen528617 күн бұрын
This was an eye opener. Thanks for sharing❤
@jeremiahthomas138517 күн бұрын
Getting qualified for a housing loan but being able to pay for the loan are to different thing.
@ts67imagesproductions3617 күн бұрын
There are a lot of good points in this video but in my opinion, purchasing a home as early as possible; is an amazing way to set yourself up for much greater financial stability over the long run. One thing that is not mentioned here is the opportunity cost of purchasing a home vs investing in the stock market or other asset. I have heard this argument brought up many times but it always leaves out one crucial fact. Everyone needs a place to live, so choosing not to buy a house doesn't free up this capital to invest in stocks; it is instead capital that will need to be used to rent a place to live instead. Rent has historically also consistently gone up which needs to be factored in. I purchased my first house when I was 25. Prior to purchasing this home, I was renting an apartment for around $800 per month. I purchased a home on a 15 year mortgage which led to a monthly payment of around $1500. This was ten years ago; my mortgage payment remains the same however the same apartment I had previously rented now costs $2200 per month to rent. I am now in a position to have my home fully paid off, eliminating my largest expense. If I had continued to rent instead, I would now not only being paying a higher monthly rent than mortgage payment; I would need to continue to pay higher and higher rent in the coming years with no means to eliminate this expense at any point. I believe rent vs buy is a case of choosing to take on additional stress and hardship in the near term in order to create a much easier life in the long term.
@WhyBTCwillbeworthmilliondollar9 күн бұрын
Nope. Bitcoin has and will out perform housing as an investment exponentially amounts. BTC CAGR on average is 200%. But you do you sparky.
@hkim915118 күн бұрын
Just do what you do…. They follow you because they enjoyed the content that you have posted. Once followers have attached for sometime they mainly follow you through good and bad times …..😊
@Johanneslol1118 күн бұрын
How do you track your sleep ? 😊 I don’t recognize the app your using
@kennethsmith203018 күн бұрын
Bought mines in feb 2020 been a ride also im a landlord as well
@Blazecfc18 күн бұрын
500$ a month for rent? Where lol.
@YochanaIrie_FineAppleStylez18 күн бұрын
I appreciate that you made this video! So many people really do spread the idea that everyone should own a home. And as a fellow young homeowner, I just don’t think that is the case. Am I grateful that I bought a home considering how the market looks now, yes, I am. But that is because I want to have a family and I’m in a long-term relationship. But it’s still a huge financial stressor and something that I don’t think should be taken lightly. Not all homes increase in value the same way… So for example, in my community some homeowners made a poor decision to try and sell once interest rates went up and so those houses were on the market for like 10 months. The value of my house went down by $20,000… 😭😭 The value of my house is just reaching how much I paid for it, 2 years later. And even though I have progressed in my career, I can definitely see how I would’ve been a lot more financially stable in an apartment than in my house.
@lovely_bean19 күн бұрын
I get this! I am doing the same! Do you have a tiktok? I want to follow you there too, if you have one 😊
@hkim915119 күн бұрын
$500 for rent or over $2000 for owning ….. it is a no brainer. I will be renting a home at your location. Where I am…. Rent is $2500, so i brought a condo and my payments with tax and fees comes to around $2700
@ElyWaves.19 күн бұрын
I’m glad towards the end you said this was just my experience and not everyone’s. Every point you brought up is valid, but it sounds like you just made the wrong decision for you without having all of the information you needed to make sure it was the right decision. Not sure if a first time home owner could ever though haha. I’m closing on my first home on the 20th! Hope I don’t regret it 😄
@gavinlew827319 күн бұрын
She has an Adam's apple?!
@moonlander0320 күн бұрын
Buying a house for a 30 year loan is a suicide mission, I believe almost anyone who buys their first house makes the worst mistake of their life, worse than having a child or about the same…. Everyone buys the greatest they can afford and now they become slaves to their jobs and their house and are miserable for the rest of their lives…. so If you don’t can’t buy a house in cash don’t buy one… thank me later 😂😂😂😂😂😂😂
@zero824620 күн бұрын
Don’t forget to write off your stuff also buying a home alone is tough but if you have friends or significant other it’s possible
@DaliTaliani-wz4ti21 күн бұрын
I closed on my 11th rental condo a year ago, the repairs and maintenance fees were no joke. Personally, I shifted focus from real estate to alternate investments 2 years ago, the result was $1.3m returns in the first 11 months. It really built my confidence in making decisions
@VeeruDono21 күн бұрын
to be realistic, Luck plays a significant role more-so than the resources to thrive with investing. without it, it's very challenging to succeed
@DaliTaliani-wz4ti21 күн бұрын
when its consistent, its not considered luck. I attribute this to research which was the challenging part before it led me to Emily Ava Milligan, a top fund manager, in turn she made 310k into this and counting
@VeeruDono21 күн бұрын
after I pasted her name into my browser, her page was the first thing i found. from our interaction It's clear she's in high demand. Your example is rare. I wish i had it earlier to reference. thanks
@nevergoin2821 күн бұрын
Thank you!
@zaxlee0121 күн бұрын
Never do adjustable rates, especially for a home!
@ThewillofDLM22 күн бұрын
I bought 2 houses when I was 22 years old. Im only 24 and Im still purchasing properties to this day. There’s a difference between purchasing a home vs. purchasing investment property. Also if your going to do real estate, I wouldn’t invest in condos. Only if the deal is there. In my opinion, condos are risky. Also real estate is based off local markets… not an overall market. Every market is unique.
@Scott2122 күн бұрын
Fascinating video
@nexgenvenom23 күн бұрын
You're a wise young lady making mistakes early is the best teaching for the Future I bought myself a 3 bed 2 bath home as a single man and I feel so goofy at times. Just never lose motivation girl God is Good 🙏🏾
@rebeccapettigrew605023 күн бұрын
Wth
@brittxnyakawaii1223 күн бұрын
Thanks for doing this 💖
@nicholasjack83323 күн бұрын
Crypto is the answer
@Postal26824 күн бұрын
I don't want to pay someone else's house payments for them, if I gotta pay either way, I'd rather it be for myself.
@g4m3rm0j024 күн бұрын
Made it to 34 seconds and heard "share my truth". Look...you can share "my experience" or you can share "the truth". The truth is just the truth. There is no personal truth. I cannot take anyone's opinions about anything seriously when they say this.
@barttfisher25 күн бұрын
I bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
@JosephineKenney25 күн бұрын
buy the dip. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder
@PennyBergeron-os4ch25 күн бұрын
The truth is that this is really not as difficult as many people presume it to be. It requires a certain level of diligence, no doubt, which is something ordinary investors lack, and so a financial advisor often comes in very handy. My friend just pulled in over $84k last month alone from his investment with his advisor. That is how people are able to make such huge profits in the market
@HildaBennet25 күн бұрын
nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?
@PennyBergeron-os4ch25 күн бұрын
“Sonya Lee Mitchell”is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
@HildaBennet16 күн бұрын
Sonya looks the part so i'd do my due diligence. I set up a call, thanks.
@erict637425 күн бұрын
I bought my house in 2022 and it's been a interesting journey. Definitely going to make sure my next payme y stays around 25% or my take home pay
@incredifall26 күн бұрын
Thanks for the vid!
@OgunDaMan26 күн бұрын
I'm working class so I have yet to experience the financial abundance you received from your career. I can see myself working till retirement if my workload is manageable, coworkers tolerable, & salary acceptable.
Пікірлер
I think you did the right thing! As a guy if a man touched my thighs I would be shocked.
Stop the cap
It’s important and recommended by experts to have rest days and not work out every single day. The muscles need to rest and recover.
so now we have to own a house and renting it for more is the only way to keep up ? just shoot me
Wait a minute. Your interest rate went up?! You mean you didnt get a fixed rate mortgage?? And you didn't refi to a fixed when interest rates were at its lowest?? Clearly. Mistakes were made. And its weird you dont touch on it at all. I feel like that was a big reason in why you would feel miserable owning your home. Also, has the 2008 housing crash taught us nothing? All this research and you still tie yourself to a variable rate mortgage...
TLDW; Buy Bitcoin. Homes are getting cheaper a lot cheaper when denominated in BTC
Idk…it’s kinda early to commit to a major thing like that and place
just because some older person says you should own a home doesn't mean it works for your situation here and now. times change. Do proper budgets. before throwing yourself into a "dream"
Condo is more comparable to an apartment than a home with land.
thanks, this makes me think home ownership wouldnt be for me. i havent even kept a job for ten whole years just cuz i change jobs to move up in pay and career. i like the examples of your friends. i def think it's problematic that people see homes as investments rather than places to live in. it's just contributing to housing crisis
As someone who bought a condo in Toronto Canada and pay 4500 in mortgage a month, I don’t relate 😂
Where do you live that you can afford a condo in your 20s?
Buying a home is like buying a single stock in the sp500. You have to pick the right one
I bought a house back towards the end of 2020 because I had a rly crappy apt neighbor who smoked everything available to humanity every single day, so I promised to myself that I would never share a wall with someone ever again. Moved to the suburbs into a single detached 2100sqft newly built home, 20% downpayment, 1975USD/mo, 15 yr fixed rate loan. Last yr. I average 3864USD/mo with mortgage, property tax, utilities (water, gas, internet, electricity), lawncare (too lazy to mow the 5000sqft yard...), pest control, home and car insurance, HOA combined. Best decision I've ever made. I can run naked, vacuum, and sing at 1am (I may or may not have done this). Split this between 2 people and it lands a little less than 20% of my gross income. I learned everything from scratch, so it was quite an adventure... I am more of a technical person so I care more about quality/specs, so I did visit a lot of houses in construction and narrowed down a good builder to buy from, to worry less about house maintenance. Narrow down their construction areas in the city, look at the desirability (school ratings, safety, proximity to my work). There's one more map I use but I would not comment in here lol, really helpful.
People have drank the kool-aide on buying a house. The real estate lobby made it seem like owning a home is a right of passage.
Clout
Hi guys, just wanted to share a few tools and things to consider when deciding whether buying a home (or any investment, really) is a good investment for you: 1. The research I shared is from Nobel Prize winner Yale Economist Robert Shiller. I've linked sources in the description for your reference. He pulled U.S. housing data dating back from the 1890s to 2012 and discovered that house prices, after inflation, saw no price increase. Based on his findings, housing price increases were often due to housing bubbles/fads/trends that would eventually pop. 2. Break-even analysis: This helps you determine how many years it will take for you to "break-even", aka make back your full investment. You want to divide the total investment cost by the annual income (either profit from renting and/or savings from rent) the home is expected to generate each year. The only thing is, you also want to account for inflation- people often don't take into account inflation when they do this. In your forecasting of expenses, make sure you also factor in inflation (i.e., 2.5-3% would be a conservative annual increase, based on past average annual CPI, consumer price index). 3. If you've already bought a home, you want to check if you've profited after inflation: you could use the CPI as reference - it's published online via government sites and updated on an annual basis. You want to cross-check the CPI factor the year you bought the home and sold it with your home price bought and sold. 4. Someone mentioned how a home is an investment if they want to pass on this property to their kids/future generation. That sounds like you're giving a gift and sure, that could be an investment for your future generation. You might want to just consider whether it's more profitable to pass down a stock market portfolio or a home, after accounting for inflation and taking into consideration the time + energy for the home. 5. Lastly, we all have different situations, lifestyles, we're living in different places. I'm not saying you can not profit from a home. Sure, you can fix up a home and then sell it for a higher price in a short period of time (I wouldn't call this a passive investment then - it seems like earned income to me). You can get lucky and sell off during a housing fad (according to Schiller's work, a lot of the prices go up during housing bubbles). I recognize that some people might also feel safer putting their money into a physical property. If that makes you sleep better at night, then go for it. In the end, I just want to share my perspective and learnings. You get to make the right moves for yourself. Hope this helps clarify things!
The buy a house not a condom.
stocks are a great investment!
They've gone down when denominated in Bitcoin by a lot. But you do you
You are a beautiful human being. Your whole vibe, the yoga and good eating. Can feel your good nature through the screen. 🎉❤🙏
I went through the same thing when i bought in 2016. The cost to maintain is annoying as hell but with a family n 2 kids there is no chance id wanna be a renter with rising rent cost and maybe being evicted if landlord decides to sell. You did well buying at 23, i made more bad life choices and bought at 31...
This was an eye opener. Thanks for sharing❤
Getting qualified for a housing loan but being able to pay for the loan are to different thing.
There are a lot of good points in this video but in my opinion, purchasing a home as early as possible; is an amazing way to set yourself up for much greater financial stability over the long run. One thing that is not mentioned here is the opportunity cost of purchasing a home vs investing in the stock market or other asset. I have heard this argument brought up many times but it always leaves out one crucial fact. Everyone needs a place to live, so choosing not to buy a house doesn't free up this capital to invest in stocks; it is instead capital that will need to be used to rent a place to live instead. Rent has historically also consistently gone up which needs to be factored in. I purchased my first house when I was 25. Prior to purchasing this home, I was renting an apartment for around $800 per month. I purchased a home on a 15 year mortgage which led to a monthly payment of around $1500. This was ten years ago; my mortgage payment remains the same however the same apartment I had previously rented now costs $2200 per month to rent. I am now in a position to have my home fully paid off, eliminating my largest expense. If I had continued to rent instead, I would now not only being paying a higher monthly rent than mortgage payment; I would need to continue to pay higher and higher rent in the coming years with no means to eliminate this expense at any point. I believe rent vs buy is a case of choosing to take on additional stress and hardship in the near term in order to create a much easier life in the long term.
Nope. Bitcoin has and will out perform housing as an investment exponentially amounts. BTC CAGR on average is 200%. But you do you sparky.
Just do what you do…. They follow you because they enjoyed the content that you have posted. Once followers have attached for sometime they mainly follow you through good and bad times …..😊
How do you track your sleep ? 😊 I don’t recognize the app your using
Bought mines in feb 2020 been a ride also im a landlord as well
500$ a month for rent? Where lol.
I appreciate that you made this video! So many people really do spread the idea that everyone should own a home. And as a fellow young homeowner, I just don’t think that is the case. Am I grateful that I bought a home considering how the market looks now, yes, I am. But that is because I want to have a family and I’m in a long-term relationship. But it’s still a huge financial stressor and something that I don’t think should be taken lightly. Not all homes increase in value the same way… So for example, in my community some homeowners made a poor decision to try and sell once interest rates went up and so those houses were on the market for like 10 months. The value of my house went down by $20,000… 😭😭 The value of my house is just reaching how much I paid for it, 2 years later. And even though I have progressed in my career, I can definitely see how I would’ve been a lot more financially stable in an apartment than in my house.
I get this! I am doing the same! Do you have a tiktok? I want to follow you there too, if you have one 😊
$500 for rent or over $2000 for owning ….. it is a no brainer. I will be renting a home at your location. Where I am…. Rent is $2500, so i brought a condo and my payments with tax and fees comes to around $2700
I’m glad towards the end you said this was just my experience and not everyone’s. Every point you brought up is valid, but it sounds like you just made the wrong decision for you without having all of the information you needed to make sure it was the right decision. Not sure if a first time home owner could ever though haha. I’m closing on my first home on the 20th! Hope I don’t regret it 😄
She has an Adam's apple?!
Buying a house for a 30 year loan is a suicide mission, I believe almost anyone who buys their first house makes the worst mistake of their life, worse than having a child or about the same…. Everyone buys the greatest they can afford and now they become slaves to their jobs and their house and are miserable for the rest of their lives…. so If you don’t can’t buy a house in cash don’t buy one… thank me later 😂😂😂😂😂😂😂
Don’t forget to write off your stuff also buying a home alone is tough but if you have friends or significant other it’s possible
I closed on my 11th rental condo a year ago, the repairs and maintenance fees were no joke. Personally, I shifted focus from real estate to alternate investments 2 years ago, the result was $1.3m returns in the first 11 months. It really built my confidence in making decisions
to be realistic, Luck plays a significant role more-so than the resources to thrive with investing. without it, it's very challenging to succeed
when its consistent, its not considered luck. I attribute this to research which was the challenging part before it led me to Emily Ava Milligan, a top fund manager, in turn she made 310k into this and counting
after I pasted her name into my browser, her page was the first thing i found. from our interaction It's clear she's in high demand. Your example is rare. I wish i had it earlier to reference. thanks
Thank you!
Never do adjustable rates, especially for a home!
I bought 2 houses when I was 22 years old. Im only 24 and Im still purchasing properties to this day. There’s a difference between purchasing a home vs. purchasing investment property. Also if your going to do real estate, I wouldn’t invest in condos. Only if the deal is there. In my opinion, condos are risky. Also real estate is based off local markets… not an overall market. Every market is unique.
Fascinating video
You're a wise young lady making mistakes early is the best teaching for the Future I bought myself a 3 bed 2 bath home as a single man and I feel so goofy at times. Just never lose motivation girl God is Good 🙏🏾
Wth
Thanks for doing this 💖
Crypto is the answer
I don't want to pay someone else's house payments for them, if I gotta pay either way, I'd rather it be for myself.
Made it to 34 seconds and heard "share my truth". Look...you can share "my experience" or you can share "the truth". The truth is just the truth. There is no personal truth. I cannot take anyone's opinions about anything seriously when they say this.
I bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
buy the dip. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder
The truth is that this is really not as difficult as many people presume it to be. It requires a certain level of diligence, no doubt, which is something ordinary investors lack, and so a financial advisor often comes in very handy. My friend just pulled in over $84k last month alone from his investment with his advisor. That is how people are able to make such huge profits in the market
nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?
“Sonya Lee Mitchell”is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
Sonya looks the part so i'd do my due diligence. I set up a call, thanks.
I bought my house in 2022 and it's been a interesting journey. Definitely going to make sure my next payme y stays around 25% or my take home pay
Thanks for the vid!
I'm working class so I have yet to experience the financial abundance you received from your career. I can see myself working till retirement if my workload is manageable, coworkers tolerable, & salary acceptable.