The Retirement Wisdom I Live By
We all get money advice from someone, but not all of it sticks.
Some advice fades. But every now and then, something clicks, and stays with you because it's grounded in how that person lives.
My dad is an accountant, so, naturally, he’s good with numbers. But he’s always preferred doing things the old-school way. He still uses paper and pens to track everything and somehow always knows exactly what he has and where he stands.
He’s also a very positive thinker, constantly saying: “Things will work out… just work hard, keep your head down, and the universe will provide.”
That mindset stuck with me.
I met my father-in-law about a decade ago when I started dating my wife. He’s a long-term thinker and a disciplined investor. Right from the start, he talked to me about how small decisions can shape your future.
He once said, “The ripple effect means that the things you do today will impact you tomorrow. That goes for everything in life, including your health and your money.”
Between the two of them, I’ve learned how to think about money with both structure and vision.
One showed me how to manage the numbers.
The other showed me how to let them grow.
And both taught me to stay grounded and think long-term.
Their advice is the kind that sticks, and it continues to shape how I plan for the future, especially when it comes to retirement.
Most People Have Accounts, But Not a Clear Picture
In my work as a money coach, I see the same thing over and over.
People in their 20s, 30s, and 40s are earning solid incomes, building their lives, and doing their best to save for retirement. But when I ask them where their accounts are, how much they’ve saved, or whether they’re on track, the answer is usually, “I’m not really sure.”
That’s not because they’re careless. It’s because they’ve worked at different jobs, opened multiple retirement accounts, and never had a way to see it all in one place.
If that sounds familiar, you’re not alone.
And that’s exactly why I think a tool like PensionBee can help.
