It's Never Too Late To Build Wealth

**Jade Warshaw** (0:30)
The live call, 888-825-5225, gets you on the line. Harold is on the line. He's in Colorado Springs, Colorado. Hey, Harold, how can George and I help?

**SPEAKER_2** (0:40)
Hey, what's going on, guys? Thanks for taking my call. I'll make it really brief. I'm 70, gonna be 71, still working full time, been there for 20 years. I've blown all my money all over the years. I'm gonna be traveling, going to different countries, confidence.
I started listening to you guys when I was 62, 63

**Jade Warshaw** (0:59)
Okay.

**SPEAKER_2** (1:00)
And I'm totally out of debt. I have no debt. My house paid off.
I have credit cards. No, I don't owe anything. I have no personal debt. No, nothing on wheels, as Dave says. I have no debt on wheels at all. But I'm frustrated because I've lived a, like Dave says, so you spend like you're in Congress. Today, I just went out and had prime rib for lunch. Wow.

**Jade Warshaw** (1:26)
Living your best life.

**SPEAKER_2** (1:28)
I am, and I don't know when I'm going to die, right? Next week? I hear that.
Five years?

**Jade Warshaw** (1:33)
But you have nothing saved, Harold.

**SPEAKER_2** (1:35)
I know. Not really. No, no. Excuse me. Nothing to speak about. I make $3,500 a month in social security, another $3,500 a month from Costco where I work.

**George Kamel** (1:48)
Are you full-time? What's your hours like?

**SPEAKER_2** (1:50)
Yeah, I'm full-time. I had a chance. I went part-time for a little while, but I'm working because of my benefits are so great there that...

**George Kamel** (1:58)
Yeah, Costco crushes the game on the benefit side.

**Jade Warshaw** (2:02)
Are you investing 15% at the very least, Harold, of that $7,000 that you're bringing in?

**SPEAKER_2** (2:08)
You know what? I'm not.
I have my 401 on my rock at Costco for the last 20 years, and I know there's some money there, but I think it's 663,000 as of yesterday. It's not nothing. No, but I mean, it's nothing that I pull out or use, because I'm at a point in my life, you guys, maybe it's psychological, but I feel like I'm going insane because it's like, what do I do with my life now? I'm just working, I have my dogs.

**Jade Warshaw** (2:42)
Are you healthy?

**SPEAKER_2** (2:42)
I don't know what to do.

**Jade Warshaw** (2:44)
Are you healthy?

**SPEAKER_2** (2:45)
I'm a little chunky for meat and so darn good, but.

**SPEAKER_5** (2:48)
Listen, that's all right.

**Jade Warshaw** (2:49)
You have a family? Do you have grandkids, wife, significant other?

**SPEAKER_2** (2:54)
No, they're all gone. They're out of state, they're in Virginia. They're all successful. They're all, my son's been in the Air Force for 20 some years and all my grandkids.

**George Kamel** (3:04)
But you have good relationships?

**Jade Warshaw** (3:05)
Do you have good relationships with them?

**SPEAKER_2** (3:07)
Okay.

**Jade Warshaw** (3:08)
So you're not alone. You're not alone. You're just chilling.

**George Kamel** (3:15)
You're in this weird sort of purgatory, Harold, where you're not like rich, but you're not broke.
And so I think you just haven't really taken the time to create a vision for what you want this sort of quarter to look like of your life, to go, okay, what does it look like? Is it me working full time? Do I want to travel more? Do I want to go see family? Do I want to pick up a hobby, start a business? It sounds like you're sort of itching for some purpose, something you can sink your teeth into.

**SPEAKER_2** (3:41)
Yeah, because otherwise, I'm just like, I'm sitting around the house with my dogs. I fight endlessly working on the yards because I have a huge yard and stuff. I'm always out there mowing, pulling weeds, cutting the bushes.
I think what it is, I'm like this kid. I'm anxious and I want to do stuff.

**Jade Warshaw** (4:04)
If you could snap your fingers, what would you be doing?
If we just said to you, hey, you have a genie in front of you, do the little I dream of genie thing, and you can have what it is that you want, what would that look like? Would that be I no longer work at Costco? Would it be I live closer to family? Would it be I moved overseas? What would that be?

**SPEAKER_2** (4:23)
You know, definitely not living close to family, because I think that's when you start taking on all their responsibilities and their needs and stuff. You get involved.

**George Kamel** (4:32)
Yeah, you got to watch the grandkids. That's a real drag, man.