WHAT THE ‘UN-RETIREMENT’ TREND MEANS FOR YOU The Pros and Cons of Retirement
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Ward off age-related diseases. Engaging physically and mentally in learning a new job can reduce your risk of illness like dementia and depression.
If you’ve been out and about in your community, you may have noticed more gray-haired folks working as cashiers at the grocery store and pouring lattes at your local coffee shop. There’s a reason for this upward trend in older workers — and it goes back to 2020. That year, thousands of people near retirement decided they didn’t want to stress about pivoting to remote work or potentially catching COVID-19. So, they threw in the towel and retired early! Experts called this movement the “Great Retirement.” Now, the exact opposite is happening. This year we’ve seen what CNBC calls an “un-retirement” trend: Folks who were retired are returning to the workforce to fulfill the high demand for labor, and pre-retirees are pushing their retirement back in favor of new full- or part-time jobs. About 1.7 million people “un-retired” between April 2021 and April 2022. Should you join them? THE BENEFITS OF ‘UN-RETIREMENT’ • Pad your retirement fund. This hasn’t been a great year for stocks or bonds. • Experiment with a new career path part time. Are you a long-time accountant who has always loved flowers? Taking an “un-retirement” or “bridge” job at a florist shop will give you a taste of the career you’ve always secretly wanted without pressure to climb the ladder.
THE COSTS OF ‘UN-RETIREMENT’ • Your travel options might be
limited. If you have a long bucket list, “un-retiring” for a year or two may prevent you from getting to every place on it.
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You’ll have less time to enjoy your hobbies/family. More hours at work mean fewer hours for your granddaughter’s track meet or working on your classic car. • There’s actually a higher risk of illness. Yes, your health is on both the benefit and cost lists! Work-related stress can take a mental health toll, which you can avoid by choosing retirement.
To help you make the smart choice, visit Forbes.com and read “Is It Worth Delaying Retirement One Year?” It’s an older article but a good one!
WHY IT’S NOT A TOTALLY BAD IDEA Investing Your Money in … Toilet Paper?
One thing I think we can all agree on as investors is that we should invest in something people genuinely need. We can come up with a long laundry list of needs — and chief among these is toilet paper. I know what you’re probably thinking: “Toilet paper, Garman???” But hear me out! Yes, you could probably get by with newspapers or catalogs (they do still make catalogs), but most people probably won’t stoop to that level. So, toilet paper is a smart investment. I’m sure you have rolls in your home right now!
his money from the politicians swaying the market, cyber thieves, and the economic swings to come. He also wants to get a good return on his parked money and avoid dealing with day-to-day property management. But none of those things were his MAIN REASON. His main reason was that people will always need an affordable place to live. A smart investment is something people need now and will need even more in the future. It’s toilet paper investing if you will. I recently read a study done by the folks at MIT, and evidently, they feel the world will collapse economically by 2030 due to the shortage/disappearance of natural resources. This kind of talk does not worry me or my investors. Why? Because we are investing in something that is needed — housing! Like I said on Page 1, apartments are an even BETTER INVESTMENT during times of economic collapse. Want to get a return on your money? Make up for lost time or past losses faster? Achieve your financial goals? We have the formula here in the Heartland. If you’re one of those folks who’s been reading my newsletters for years but hasn’t invested yet, now is the time. All it takes is a call to 319-350-5378 or a quick email to Darin@heartlandinvestmentpartners.com. –Darin
What am I getting at here? Well, one of the main reasons so
many investors choose to invest in apartments with me in the Heartland is
because our properties do the same thing: fill
a need. People will always need a roof over their heads.
Yes, investors buy apartments here for all kinds of reasons. One told me recently he wants to “hide”
2 DARINGARMAN.COM
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