Today is my 63rd birthday, and instead of celebrating with cake and candles, I wanted to share something far more meaningful—the biggest life and money lessons I’ve learned along the way.
These are lessons I didn’t fully understand in my 20s, 30s, or even my 40s. Some came from smart choices, others from hard mistakes, loss, change, and starting over more than once.
Retirement has a way of clarifying what truly matters—and what never did. In this video, I talk honestly about:
• The biggest money lessons I wish I’d learned sooner
• What retirement taught me about time and freedom
• The life lessons that only come from living
• And what I’d tell my younger self if I had the chance

If you’re approaching retirement, newly retired, or simply reflecting on your own journey, I hope these lessons make you feel less alone—and maybe help you avoid a few detours I took along the way.

Timestamps: 
0:00 -   Introduction
1:06 -   Time is wealth
1:48 -   Start investing early
3:00 -   Money isn't everything
4:09 -   Don't chase money - chase your values
5:07 -   Change is constant
6:06 -   Patience - patience - patience
6:51 -   Less stuff = less joy
7:33 -   Invest in yourself
8:04 -   Your competition is yourself
9:17 -   Guard your health
10:13 - Debt
12:11 - Choose people wisely
13:31 - Keep learning & keep laughing
14:09 - Freedom is priceless
15:35 - Saying NO
16:35 - Be the BEST you!

 Thank you for being part of this community and for walking this chapter of life with me. 💛
Here’s to growing older, wiser, and more intentional—together.

🎂 63 years old today… and still learning.