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Your 70 year-old self: A letter from your retirement



After five years of experience leading a TPA call center in North Carolina, Andrew decided to move west to explore parts unknown and follow his passion of helping others. Walking through the doors of Ubiquity Retirement + Savings, formerly The Online 401(k) for the first time, he knew he’d found something special. Continuing to delight clients and partners alike and 10 years later, Andrew has been able to develop new teams, co-found a non-profit of strategic alliances, co-produce a hard-hitting documentary about the looming retirement crisis, and still had time to spread the savings gospel far and wide. Using social media and actual media alike (Wall Street Journal, Fox Business, PlanSponsor, and more), you’ll find no one who likes talking retirement more than this guy!


December 11, 2012 at 3:26 pm
Personal Finance


Dear Me,

I never thought this would happen. And yet, I was expecting it all along.

Through the ever-inspiring technology of today, we’re able to do many things we couldn’t do before (or even thought possible). I’m not sure I trust it, but I hope you get this letter. We are 70 now and there are a few things we need to talk about. And don’t worry, there will be NO spoilers. We like surprises too much.

Let’s start with the basics.

Our health is ok. Our back hurts a little when we get up in the morning, but it goes away by lunch. We’re just as witty as we’ve always been (for better or for worse). We still love life’s little surprises, and while our bodies don’t have the energy, our mind is just as inventive as we were in our 20’s.

I’m still not convinced we’re actually 70, but here I am writing this letter to you, my younger self.

We’re not retired yet, but this isn’t a bad thing. We’ve been lucky to find that thing that inspires us. While I’d not say that we’re working only because we want to, work these days doesn’t feel like work. I’m happy to say this as it’s not something everyone these days can say. Some retired too soon and are living with less than they used to. Others have decided to get closer with their family by moving in with them. We’re too independent for that, as you know, and have everything we need to live a simple life.

Financially, we had some rough patches, but we’re making it through. The savings we accumulated have been good, but could always be more. I’m not sure just how long the money will last, but I’m glad we thought ahead enough to make the investments we did. That one financial risk you took worked out fine. It was a good risk and you earned more from it than you’re thinking you will right now. The down side is that you’ll need it for what comes later. The money just doesn’t go as long or as far as it used to.

All in all, you’re doing great. I won’t spoil anything, but remember regret is a waste of time. Could we have done some things better? Yes. Are you happy at 70? Yes.

Keep doing what you’re doing and maybe I’ll write again soon!

With warmest regards,
You at age 70