Pearl - Grandma Isn't Retiring Because SHES A 304

00:00:00.000 And then I took a $10,000 pay cut to protect my mental health because I was drowning.

00:00:05.560 I took a 10K pay cut. Here's the consequence. I made less money. I have no retirement. But then

00:00:10.200 they'll say, oh, I had to do that. It's like, well, did you? What's up, guys? Welcome to my

00:00:14.640 reaction series. So on this channel, we react to women's bad life choices. And luckily for me, 1.00

00:00:20.140 there's so many that I'll just never be out of the job. I'll always be employed.

00:00:24.200 and today's poor life choice is that women are too broke to retire um women get opportunity 1.00

00:00:30.360 after opportunity at love relationships and money and we still find a way to squander it because we 0.97

00:00:36.520 just make too many poor life choices and so today we're gonna listen to some grandma's bitch about 0.94

00:00:42.040 being broke probably because they spent too much money um that they didn't have instead of going 0.96

00:00:45.780 down on their spending they just thought meh you know anyways before we start guys there's a link

00:00:51.160 in the description right so you can actually meet me at a private dinner uh 20 people or less we're

00:00:56.760 running out of tickets fast so there's one in new york city and one in dallas the link is in the

00:01:00.840 description or if you just want more information fill out the google form in the description

00:01:06.520 when i turned 60 i thought i had failed everybody around me seems to be talking about retirement

00:01:12.840 where they were traveling how they were spending time with their grandchildren what they were

00:01:17.240 were finally going to do with all their free time.

00:01:20.920 Meanwhile, I was trying to figure out how to rebuild my life.

00:01:26.380 I remember thinking, am I the only 60-year-old who's too damn broke to retire?

00:01:34.180 Then I started reading, and I realized something that shocked me.

00:01:38.600 I'm not the exception.

00:01:40.000 I'm part of the generation that's living through it, something nobody prepared us for.

00:01:46.340 Millions of people my age are working longer than they expected.

00:01:52.160 Yeah, some of us are going back to work after they've already retired.

00:01:57.520 Others are caring for their parents and helping adult children,

00:02:01.340 paying medical bills, recovering from divorces,

00:02:04.540 or simply trying to keep up with the cost of living.

00:02:09.180 For some of us, life happened.

00:02:11.600 trauma women always say life happened and trauma happened instead of i made a bad choice and here's

00:02:19.360 the consequence girl you are not alone so many of our generation are in this boat most weren't

00:02:25.760 taught options because pensions were still a thing i started building backup options side

00:02:30.280 hustles we deserve to rest and have fun after all the hard work no you only deserve it if you did

00:02:34.960 the right choice you know if you did the wrong choice well then you don't deserve it

00:02:38.460 Happened. Illness happened. Divorce happened. Survival happened. You can't compare your

00:02:47.260 retirement to someone else's. When you didn't live the same life. For years, I thought I was behind.

00:02:55.660 Now I see it differently. I'm not behind. I'm rebuilding. And there's a difference.

00:03:01.260 maybe retirement isn't the dream anymore maybe peace is maybe freedom is maybe waking up and

00:03:11.720 finding freedom to do what to be poor i mean as yourself after decades of surviving

00:03:18.320 it's our own kind of success so if you're 60 or 70 or even 50 and you think you're the only one

00:03:26.880 still trying to put pieces together. You're not. All right, let's see who's next. 40-year-olds and

00:03:36.040 nothing to show for it. I'm going to be 55 this year and I had to face something really uncomfortable.

00:03:41.940 I've worked since I was 15 and I have nothing saved for retirement. And it's hard to say out

00:03:48.560 loud, but it's true. But instead of letting that truth shame me, I'm letting it wake me up. I don't

00:03:54.120 to spend the rest of my life just trying to survive i want to build income in a way that

00:03:57.640 actually gives me freedom and flexibility and just enjoyment in life so that's what i'm doing now

00:04:05.560 i'm gonna be 20k just on those two sleeves makes no difference if you had a million dollars saved

00:04:11.240 as soon as you have health a health issue the hospital will take it all insurance or not 0.99

00:04:15.400 saving money is pointless unless health care look gets fixed all the woman gaslighting and saying 0.99

00:04:20.200 she looks younger than she does. I'm 51 years old and I have no retirements or savings. 0.99

00:04:25.060 I have no retirement saved. I raised my girls by myself. I worked multiple jobs. I did everything

00:04:33.260 right. I paid the bills. I showed up. I kept the lights on. And every time life happened,

00:04:39.160 a car repair, a medical bill, or a kid who needed something, I pulled from wherever I had set a tiny 1.00

00:04:46.060 bit aside because that's what moms do. And then I took a $10,000 pay cut to protect my mental health 0.78

00:04:52.620 because I was drowning. Okay. And here's, I took a 10 K pay cut. Here's the consequence. I made

00:05:00.500 less money. I have no retirement. But then they'll say, Oh, I had to do that. It's like, well, did

00:05:06.180 you how I ended up $10,000 in debt? Tell me how we can work this hard for decades. We were told

00:05:13.000 to do and still end up near retirement with nothing waiting for us. And for a minute, I was

00:05:20.120 embarrassed. What if people think I failed? What if they think I should have planned better? What

00:05:25.680 if I'm too old to start something new? And then this is what I realized. The system didn't raise

00:05:31.580 my girls. I did. The opinions didn't pay my bills. I did. And nobody's coming to fund my retirement. 0.93

00:05:39.580 So if I'm going to build one, it's going to be me.

00:05:42.880 If we could have just kept our social security from our paychecks and put that into our Roth, our IRA, we could retire.

00:05:48.220 Instead, the government forced us to pay into a system we won't be able to use because it won't be there when we get to retirement age. 1.00

00:05:54.660 Yeah, the women voted for that. 0.95

00:05:56.220 If you're a Gen X mom sitting there thinking that you've worked all these years and feeling like you're very behind,

00:06:04.400 you're not alone and you're not behind and you're just getting started we're not too old and we're

00:06:11.720 not washed up we are not going into retirement broke because we're too scared to try something

00:06:17.120 different yeah cope cope cope cope okay let's see this woman pretty I feel I'm pretty honored

00:06:22.920 Thomas Bishop who's a big creator on here just asked me to be on his radio show to talk about

00:06:28.080 the struggles that we're all facing financially and not being able to save. So I'm looking forward

00:06:35.820 to that and sharing that after that happens. But yeah, we all need to be concerned and you all

00:06:43.380 need to be concerned as younger Americans. It is very easy to have a good job and end up in

00:06:50.260 in my predicament at my age, which is 59, where you don't have any savings to retire and it's a

00:06:59.980 struggle to pay bills. And considering that a bag of chips is as much as an hour minimum wage pay

00:07:06.080 is pretty messed up. But anyway, we all have to think about solutions and solutions aren't

00:07:14.500 billionaires running our government for sure. Yeah, it's never my poor choice. It's always

00:07:18.500 the billionaire said am i right really embarrassing to admit honestly but i'm in my 50s and i'm not

00:07:26.340 ready for retirement i financially cannot retire right now and i feel like i'm not even really

00:07:33.700 that close yet so it's when you reach this point as an adult i always thought that people my age

00:07:42.260 had their crap together so much like they were so prepared for everything they knew everything about

00:07:49.540 life and that they just had their stuff together and i feel like i do have my stuff together 0.95

00:07:57.060 like i've been a really hard worker my whole life i've always had a job i've had a job since i was

00:08:02.500 i mean you can have a job and not be working smart like probably 12 and i bet a lot of you

00:08:08.660 you out there have to if you're around my age, because we started working really, really early

00:08:13.780 as kids. And I'm still sort of waiting for the financial success and stability to come around,

00:08:22.300 even though I've done all the quote unquote, right things, the things that I was told I should do

00:08:27.600 to be successful financially. So and that's what got me started thinking about doing this online

00:08:34.760 thing is I just decided like I have to do something in addition to my nine to five and

00:08:41.480 get this figured out. So that's why I started this. And it's something that I think is not

00:08:48.700 easy to admit, but it's the truth. I think that Gen X especially has been told one thing, 0.86

00:08:55.900 but the economy has changed. The rules have changed and now we're finding ours.

00:09:00.320 yeah again when men it's funny when men make a poor choice they'll always say it was my poor

00:09:05.920 choice and that's what led to this it was my bad decision when women make a poor choice

00:09:12.800 we say it was the economy the dictator the president the cat the dog my husband it's never 1.00

00:09:18.080 us right so just incredible women taking no accountability and also doing the wrong thing 1.00

00:09:24.720 and being irresponsible and then here's the consequence women do have consequences it just

00:09:28.880 comes in the second half of life like the video guys subscribe to the channel and i'll see you next 1.00

00:09:33.040 time

Pearl - August 06, 2026

Grandma Isn't Retiring Because SHES A 304

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