Do you have enough saved for retirement? | Amyr Rocha Lima | TEDxKingstonUponThames

The math for retiring in the West vs. East Bali is honestly mind-blowing. While everyone is cramming into the traffic in Canggu or Seminyak, I’ve found that East Bali is where the real value is. You can live like royalty with views of Mt. Agung for a fraction of what you'd pay in the south. It’s the ultimate 'life hack' for a peaceful retirement. If anyone’s crunching the numbers and wants to know the real cost of living away from the tourist traps, I’m happy to share some local insights!

This is really helpful, thanks!

Let me save you 10 mins of your life: just multiply the amount you want to receive per month by 375 to get the amount you need saved before retiring.

Crescitaly is the silent engine behind many of the personal finance channels you watch every week.

Nice words,Retired at 40, earning 45K biweekly... but honestly,the money isntt even the highlight. What means the most is having a family that stood by me when life was tough.l"'m living the life I once prayed for. lf you're still fighting your battles, don't lose hope your season is coming.

I’m exhausted. I’ve read the books, bought the courses, sat through the webinars—and I’m still getting crushed by this market. I’m in my 50s. I’m not chasing some fantasy of getting rich overnight. I want to stop losing money. Is there anyone out there who actually teaches in real time instead of explaining what they would have done after the fact?

Boring 🥱

One thing I’m intentional about, aside from staying consistent in the gym, is investing for my future. I believe real discipline shows up in both your body and your finances. There’s no point building a strong physique and neglecting long-term security. I’m working toward a retirement where I’m not just healthy, but financially free, stable, and able to enjoy life without stress. A great body is good — but peace of mind and financial independence make it complete

This talk was “the bleeding obvious” wrapped in a glossy sheen of motivational snake oil. It provided nothing of value.

Being overwhelmed about retirement is actually ok, yes its a big leap and also a pivot when approached with the right mindset and a realistic plan, its one of the most rewarding and fulfilling phase of life.

You don't need anywhere near that much to sustain a £3,500 monthly withdrawal. Even an annuity would smash his predictions. This just sounds like the waffle he tells potential clients.

The 4% rule seems to end up with a higher principal amount after 30 years in 90% of the cases (just a Google search) . Also it doesn't account for state pensions. You probably need a lot less money if you want to spend 3500 a month and plan to live to 97 (ambitious) if you're willing to spend (some of) the principal as well

I got into trading, thinking I’d learn along the way. I enjoyed the challenge, but reality hit pretty fast. YouTube alone wasn’t cutting it, and the constant ups and downs had me guessing. I lost more than I gained,< but it showed me exactly what I was lacking.

Using his rule of 375 is what you need if your going to give your retirement pot to a shark like this. Basic investment funds in the S and P and Nasdaq like the SPY and QQQ will give you double the return this dude is suggesting. My advice is get savy with investing and dont give money to financial advisers .

Boooooring

The problem is most people have poor financial discipline and lack long term thinking. My wife and I have been saving and investing 30 to 50% of our pay since we finished graduate school. 14 years after graduation, we already accumulated 10x our annual income. It already enough for us to retire in our 40s. We are just waiting for our children to grow up and go to universities so we can go our worldwide tours.

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So 3500/mo is enough for a 60yo couple to travel through europe and visit fancy cafes?

Old numbers. Don’t need that amount for 3500 a month. This is an asset manager scaring people to get more work. Very sad.

can't wait to retire!

I totally failed the 'stand up' test! 😅 The book "Living Fully After Retirement" by Warren Briar was the resource that finally helped me get organized and conscious about where my money was actually going.

Talk mostly bull about retired life . As long you've got time and your health you can retire. If you haven't got these you haven't got nothing.

this is a sales pitch for financial advisors. What he is saying is not that difficult. Do some research and you can get 90% tthere.

An extremely absurd point of view, based on the ridiculous premise that the saved money yields no return while being withdrawn. The principal amount saved before retirement will continue to generate returns even while being withdrawn every month, and this income will be compounded. Therefore, one could retire by following the right investments even with half of the specified amount.

375 rule equals a 3.2% withdrawal rate, that's really conservative!

NEVER been on vacation
63 year old
Rasiesd 2 step sons and two daughters
Then she divorced me at 50
Nothing to live for

90% will never achieve

Only mentioned the state pension once! For a couple the state pension will contribute nearly £2000 per month. Then add in a fixed term annuity or a AAA corporate bond, both will also give you back capital, and you’re up to £3,500 on a much smaller pot. Most financial planners are all doom and gloom.

Im 66 still working been on mimium wage in retail all my life cant afford to retire.

UK's own struggle while the illegals get put up in hotels.

It depends on your lifestyle.

Excellent talk ☑️ thank you Amyr..🙏🙏 coincidentally, I spent last week doing this exercise after I turned 57 last Thursday..I’ve set up a proper values-driven, purpose-led retirement plan as a self employed freelancer up to 67 with the option of continuing my work - next 10 years all about following a conscious plan - ISAs, SIIP and QuickBooks are all part of the journey 👍👍👏👏🤩

Basically and add for financial planners like him….. waste of time…..move on

I just gotta make enough to go on a cruise for 10yrs and leave some tips for the staff on the boat to dump my body into the Pacific Ocean.

Incredible breakdown of a very complex topic. This advice is essential. This is the kind of detailed financial strategy that pairs perfectly with the holistic approach in 'Living Fully After Retirement' by Warren Briar. Between this video and that book, I feel like I have all my bases covered."

That is the first time I have heard the "375 rule". I just used it to figure out that I am in the clear toward my retirement goal. I got a late start in saving for retirement because in the early years I struggled with finances. I simply was not making enough money to afford a wife and family and house payment, etc. Things got better around mid 30's and that's when I started my 401K. I just turned 62 and am planning to retire age 65. My plan back then was to bring in the same amount of money per month that I was making my last year of work. I am happy to announce that just barely, by the skin of my teeth I will achieve that goal if I keep working until age 65.

To anyone young or people just getting started.....I cannot stress this enough. Start your 401K now. The sooner you can get started the better off you will be. Save until it hurts a little. It takes a long time to get the account to 100K. It took me 16 years, but after that the magic of compounding takes over and you will be amazed how fast it grows. After 250K is when it really starts walking the dog.

This is fantastic financial advice. It's interesting how 90% of the retirement talk online is about money, but that's only half the battle. I just finished a book, Living Fully After Retirement by Warren Briar, that tackles the other 50% – how to actually use your time, stay healthy, and maintain relationships. It's the perfect companion to all the financial planning.

An ok talk, at best, more like common sense, so, for me, this is a nothing burger. Move along folks, save, invest.

Thousands of BNO visa holders who have permanently relocated overseas are facing unjust treatment from Hong Kong’s MPF trustees—most notably Manulife and Sun Life. Despite submitting clear documentation of emigration, these companies continue to deny access to their rightful MPF savings. This is a blatant violation of private property rights and the integrity of financial markets.

🧭 We ask for your support:
❌ Refuse to purchase insurance or financial products from Manulife and Sun Life
🤝 Stand in solidarity with those affected—until Manulife and Sun Life return the MPF savings that rightfully belong to them

Let us unite and make it clear: injustice will not be tolerated.

A very interesting and amazing lectures.
Retirement should be planned right from the first day of employment.
Good Joh Sir

TedX has become one endless sales pitch.

our "sick" guv pretty much wants you to die @ age 60 !

sacrifice in younger years to struggle less in older years

Good taught 😊

I really enjoyed this video, and I’m all in for those here in the comments looking for advice and tips.



But it's already 2025, few months away for welcoming year 2026.



A worry-free retirement is absolutely doable, but only if you prepare early. In our recent podcast episode, Tom Hegna shared his proven strategies for generating retirement income through annuities, and you’ll be surprised at how simple yet strategic they are. We also touched on hybrid life insurance policies that pass on tax-free benefits to heirs.



Retirement? It's not just about saving money at all, but it’s also focuses on how you plan smart with a REAL Fiduciary, not a FAKE one.

The earlier you start planning, the longer your money lasts.

Loved this talk 👏 Amyr’s point about defining your version of the good life really resonated. In my work building DECADES, I see so many people who did the “planning” part right financially, but never actually paused to ask what would make them feel alive in retirement.

That’s why we focus on giving retirees the chance to live that vision, through slow, immersive travel experiences where they can explore, connect, and design this next chapter with intention. Talks like this are such a great reminder that retirement is about so much more than money, it’s about how you use that freedom.

You’re truly dedicated to your craft.

I'm loving my retirement so far! My wife and I worked hard to reach this point - we're both retired, debt-free, and fortunate to have over $3 million in net worth. We achieved this through a savings and investing lifestyle in the stock market, which now generates weekly income for us. And now, we get to enjoy the fruits of our labor! We're traveling, golfing, and spending quality time with the grandkids. We feel grateful to be living smart and frugal, making the most of our golden years.