Preparing for retirement

Added: 2026-05-12

[00:00:11][music] >> Wow, where did the years go?

[00:00:26]Hello everybody and welcome to the channel. Now, I wasn't going to do this with me sunglasses, but it is just so bright, which is brilliant. We've got blue skies and at the day, so that's excellent. So, I'm just going to got to have the sunglasses on, otherwise I can't see anything. So, yeah.

[00:00:40]Never gave retirement a thought till about 2 years ago and then you just you you go to work, you get on with your life and you wake up one day and you're looking in the bathroom mirror. I mean, I'm looking there I'm looking in this camera.

[00:00:55]I'm seeing this old guy with all those wrinkles and all that. What's happened?

[00:00:58]When did that happen?

[00:00:59]I just don't know. Don't get us wrong, I've got no problem with growing older.

[00:01:03]I've had a cracking life, I really have.

[00:01:05]No, there's nothing wrong with us, by the way, but been a great life and and yeah, I just think you've got to be careful cuz you do you get up, you go to work, you get on with your life.

[00:01:16]The days when you're going to work, the days the days are long, they're long days.

[00:01:21]But the years are flying by.

[00:01:24]So, why am I making this video then?

[00:01:26]And when am I looking to retire? Because I've seen loads of I've seen loads on YouTube about people who have retired and they tell you how great it is and everything.

[00:01:36]But there isn't that many for people who are thinking about retirement, who are sort of still in my position and who just want to know what that journey's going to be like. So, I thought yeah, this is for me. I'm making this video for me. I do like looking back at these things and and just reflecting on how things have gone. So, yeah, this is a video for me.

[00:02:00]So, I'm 60 now and I'm hoping hoping to retire next year, next May. They don't know it at work yet because in a couple of weeks we are going on holiday to Tenerife and when I come back, that's me finished with Mondays.

[00:02:17]So, I am cutting down me hours now in preparation for retirement, which is one of the things they tell you to do. Don't just work all your life and then stop there stop one day and think what am I going to do? You've got to be be prepared for it. So, that's what I'm planning to do.

[00:02:33]>> [snorts] >> Now, I've already cut down me hours. We only work 4 days a week, but that's not as good as it sounds, strange as it may seem cuz what we did was we compressed our hours. So, now whilst we only work 4 days a week, we we start earlier. We start at 7:30 and we don't finish till quarter past five, which is great. It means you get a 3-day weekend.

[00:03:00]But the downside of that is I get in the house by the time I've had a bite to eat, had a shower, I am shattered. I am really shattered. So, Fridays now Fridays just disappear. It's I'm not complaining again. This is something this is a complaint video, it's really not.

[00:03:19]So, on a Friday I'll go visit me 88-year-old aunt on the morning and on the afternoon I pick Annabella from school, our granddaughter.

[00:03:27]But yeah, Fridays are great, but it is tiring.

[00:03:31]As I said, I do think I do think you've got to ease your way into retirement rather than just dropping off a cliff, which is why I'm doing this and I'm looking forward to it. A 4-day weekend sounds much more manageable to me, really does.

[00:03:45]So, when we come back off our holiday, that's one of the things you know you know you get so few holidays at work.

[00:03:51]I'm lucky, by the way, that I've I've worked for a lot of good companies over the years.

[00:03:56]Just one bad one for a very short time, but I won't go into that. I've worked for a lot of good companies over the years who have have been good with me for taking holidays and unpaid leave and that.

[00:04:09]And the worst thing about a holiday is when you're trying to squeeze it in and not use up too many of your working holidays is that night flight home knowing you're going to work the next morning.

[00:04:20]You know, when you're you've had a lovely holiday, you get in and you've you've got to get your work gear ready, get your beer ready cuz the next morning you're straight back into it. And I'm really looking forward to come back from Tenerife, going to bed, waking up, not having to go to work knowing that it's Monday.

[00:04:38]Because that's the other thing and all, it's it's a it's a Sunday night thing, isn't it? You're you're getting I remember when I was a kid, bath night bath night Sunday.

[00:04:47]>> [laughter] >> Once a week.

[00:04:50]But even now as an adult, Sunday night, that's the night you're just sitting, you're waiting and waiting knowing you're going to work the next day. Oh, and that's that is awful.

[00:05:01]For me, anyway.

[00:05:06]So, my working life. Well, it's it's kind of fitting that I start this bit down here on the great River Tyne, the big river as Jimmy Nail called it. Yeah, fabulous fabulous. I've had so many jobs along this river and I and I started I started down here on the River Tyne.

[00:05:27]And it was great back in the day cuz kids did come out of school and and they went in the yards, went in the shipyards.

[00:05:34]There was plenty of work for everybody.

[00:05:37]And I guess like the the steel works the mines, shipyards went the same way, you know.

[00:05:45]And it's tragic cuz you know what do the kids do now? The the amount that we've lost the amount of excellence in engineering practices and shipbuilding it's those skills are gone.

[00:06:01]And they ain't coming back.

[00:06:02]And it's really sad.

[00:06:07]Dog having the time of his life. I it is it's a great pity what's happened to this river and a lot more like it. Now, I'm not political in any way, shape or form. I think I think Billy Connolly said it the best when he said the fact that you want to become an MP should bar you from ever being able to become one.

[00:06:27]And I think that just about sums it up because um yeah, none of them worth a light, are they?

[00:06:34]Now, whilst there's no actual shipbuilding still going on on this river, um there is some ship repair going on. Aim still do still do ship repair, which is great to see. The river is still quite busy. Me aunt lives on the riverside over North Shields with a fabulous picture window view of the river.

[00:06:55]And it's great to go around and visit and just sit there and just watch what's going on on the river. Some great little groups on Facebook and all that who who look into the comings and goings of the ships and the activity on the river.

[00:07:08]And yeah, it's great to see. It's a great place.

[00:07:11]So, when I left school, there was there was plenty going on on this river. There was still plenty shipyards, ship repair.

[00:07:17]Some of the old ones had gone like Swan Hunter's at Jarrow, they were they were no more. But you still had the likes of Smiths, you had Redheads coming up the river, you had Clelands that used to make the smaller ships.

[00:07:29]You had Wear Sedgefield Walls End Slipway, which which later became Howard Doris which made oil rigs and that kind of thing, jackets for oil rigs. I did as did William Press next door. William Press was a massive employer around here and they paid the big wages. If you got a job in William Press, you were you were set for life. It was brilliant. But yeah, you had NEM, Northeast Marine next door to the slipway. They had these hammerhead cranes as you can see behind us. I remember when I was an apprentice crawling all the way up I climbed all the way up the ladder all the way up there to have a look at the the gearing in the back of it.

[00:08:08]And as I opened the door, there was about 60 pigeons flew out of there and I nearly died and that's that scared me to this day that I mean, I love pigeons, nothing wrong with them, but yeah, and I did I got quite a shock. But I yeah, I mean, up here you have, of course, the famous Swan Hunter's. Swan Hunter's was massive massive. I went there for a job as I actually applied to be a electrician.

[00:08:32]Didn't get the job, but I knew I was going to get a job in with me dad and me older brother at Walls End Slipway. They had they had both worked there. Me brother still did, me dad had worked there and me uncle had worked there. Me uncle went around the world for them doing engines. He went to Russia for months, he went to China, Malaysia, all over the place.

[00:08:54]And they had moved on and me brother was still there, he was a turner. No, me me dad and me two brothers, me older brother and me younger brother, both turners, I ended up being a fitter.

[00:09:05]I don't know how it happened, but I'm glad it did in a way because standing at a machine all day is not really my kind of thing.

[00:09:11]Yeah, I couldn't do that. Didn't like night shift, done it for years off and on, but not for me, night shift.

[00:09:19]There's nothing will kill you quicker than night shift, in my opinion. I just felt sick, you know, in the mornings at about 3:00, 4:00 in the morning. Nah, not for me. Couldn't do it, so no.

[00:09:29]Of course, some of the most famous ships in the world were made right here on the Tyne.

[00:09:36]The Mauretania the Carpathia, which rescued so many people on the night that the the Titanic went down.

[00:09:44]The Carpathia was the first one to arrive there and it was built on this river as well.

[00:09:50]And of course, so many famous naval ships were built here.

[00:09:54]I remember when Illustrious HMS Illustrious was built here again in Swan Hunters as was Ark Royal. I know there's been an awful lot of Ark Royals over the years, but yeah, I remember both of them. I remember the launches down on the river.

[00:10:07]Fabulous if you could get you on a launch day. Absolutely brilliant. And the river was teeming with people then as as a launch some of the as I say the most famous ships in the world, but again loads and loads of Royal Navy ships. You had obviously HMS Newcastle, you had HMS Coventry.

[00:10:25]HMS Bristol, HMS Glasgow, HMS York.

[00:10:29]Loads and loads of famous ships built on this river. And yeah, that's where I served me time. Now I have to point out before we get back into the retirement stuff, I do have to point out that when I say I served me time for viewers around the world especially in America cuz that's got me in so much trouble in the likes of Vegas and in Florida and that when I say I've served me time, I haven't been to jail.

[00:10:53]In the yards, the yard wasn't a wasn't a famous prison or any of that. Over here serving your time means you've served an apprenticeship and I served my apprenticeship just down the river there at Wallsend.

[00:11:05]So yes, I haven't I haven't murdered anybody.

[00:11:08]So retirement, why now?

[00:11:12]Well, as I walk up this steep hill, you won't be surprised to hear us say I'm tired.

[00:11:18]I am tired.

[00:11:25]You know, I spent a lot of time when I was younger feathering my nest as you do working long hours often 7 12-hour shifts didn't see my son growing up. Not a lot anyway cuz I was working weekends.

[00:11:39]The thing is once I moved into the sort of the maintenance side of engineering, you are then working on machines that are broken or you're doing work that um is preventing them from breaking.

[00:11:53]And that means long and social but I was that means weekends, that means late nights. I did all that. Did a few ghosters as well. Up at Decker at the chipboard plant. Few ghosters you'd go in for a 7:00 start and you'd come out about midday the next day.

[00:12:10]Um just whatever it took to get the job going.

[00:12:14]Um so yeah, that was tough.

[00:12:16]I come from a family come from a family that tends not to live very long. You know, my dad got 72, my mom got 74.

[00:12:28]Um and that's it. I mean they were both smokers. I've been quit for 25 years. Um it's the best thing I ever did. But my mom and dad, they were heavy smokers and they didn't mess about with this. None of this filter nonsense.

[00:12:39]My dad was on Capstan full strength and my mom was on Woodbines and yeah, yeah, it killed them. It's it's a fact and and I gave up a long time ago and I'm glad I did. Um but yeah, it just begs the question how long have I got left?

[00:12:52]And I do vividly remember coming in from work and and being told all about uh what I'd missed um with my son going to Scarborough, Flamingo Land and out to the park and parties and everything. I missed it all. I missed it all, but I didn't mind because as I say I was feathering my nest.

[00:13:10]Um we were lucky. We we drove a car. We eventually went and bought a house which at at our age was unheard of, you know.

[00:13:17]So I can't complain and I didn't.

[00:13:21]So yeah, working all them long hard hours in maintenance and before last, you know, as I was serving my time um working in the shipyards often you'd be on doing ship repair.

[00:13:33]You'd be stripping down stuff. All of a sudden you'd get the call asbestos everybody off.

[00:13:38]And to be fair they would close the ship down whilst they got rid of the asbestos.

[00:13:43]Um And then you went back on it, but how good of a job did they do of removing it?

[00:13:51]Um Did that cause more problems creating the dust? I know so many people that died of asbestosis.

[00:13:58]And health and safety back in the day it was around, but you know, we didn't wear safety glasses. We didn't wear earmuffs or anything like that, you know, and some of the stuff I was breathing in.

[00:14:11]And I did it all around the country, you know, um as when I was in maintenance when I was working for RW Gear traveling around the country um fixing gearboxes, installing new ones, commissioning them.

[00:14:23]Um and and I did that in the petrochemical industry and the mining industry and the steel making industry and in the shipbuilding industry. So I was all over the country for a lot of years. I got sick of that as well. That will that will grind you down working away from home, I can tell you.

[00:14:39]So what are the pitfalls? The pitfalls of retirement. Oh, what I do? What are my plans? Oh, you'll be bored. You'll be bored. Will I be bored?

[00:14:48]No. No, I won't. I think there's two types of people who retire. There's them who sit around and do nothing. My dad was one of them. Got to be honest. He retired. He sat in the chair in the kitchen doing crosswords, listening to Newcastle match on the radio and cricket from Australia 3:00 in the morning. I could hear him when I was in bed. And yeah, and he just sat there waiting to die basically.

[00:15:11]Until then he was older and we started taking him on holiday abroad and he loved that. Loved Benidorm as did my mom, but I am I don't think I'll be bored.

[00:15:19]Definitely not. I'll I plan to do more walks like this.

[00:15:24]Now I'm not making loads of videos like this. This this is a kind of a one-off.

[00:15:28]Well, I say a one-off.

[00:15:31]I plan on making this video one in a year's time when I retire and maybe the one 6 months a year later just to get a catch up of of how it's gone and that's it.

[00:15:43]So I will I be bored? No, I won't.

[00:15:46]Nice walks. I'll play me guitar just as badly as I always used to.

[00:15:50]Looking forward to that. Um yeah, I've got plenty that will keep me keep me going. My house is just about retirement ready, but there's still one or two jobs to do.

[00:16:00]So I'll get them done. Will I be under the wife's feet? No, I don't think so. I think I'll be out. Julie's planning on working another four or five years.

[00:16:08]Will she work that long? I don't know. I don't think she will. I think eventually um she might retire as well. If it if it goes well for me, I think she'll join us.

[00:16:17]Um but she loves her job and fair play to her. I love my job. That's not why I'm retiring.

[00:16:22]I just I just don't know how long I've got.

[00:16:25]That's the problem. How long have any of us got?

[00:16:29]Who knows?

[00:16:30]Oh, your workmates won't call. Within 2 weeks none of your workmates will call you.

[00:16:36]Excellent.

[00:16:39]Don't get us wrong. I've worked with some cracking people. I really have. But these are work colleagues. You know, they're not really your friends. They're lovely people, but I certainly won't miss them. I'll tell you what I won't miss. Not necessarily from my last job, but in general from from all the jobs is um is having someone coming up saying oh that that machine's broken.

[00:17:00]Can you fix it? Give us a shout.

[00:17:03]And you'd spend an hour fixing a machine that they had abused. Um and then you'd tell them it was fixed. They'd go back on it and you'd watch them slowly start to abuse it again not using it correctly and you just knew you'd be back within the hour. Will I miss that?

[00:17:17]No.

[00:17:19]So yeah, of of all the pitfalls of retirement being bored and missing people I used to work with that just does not come into the equation.

[00:17:30]Can I afford to retire?

[00:17:32]The eternal question.

[00:17:34]Now then, if you believe the media we are either going to retire and sit in front of a one-bar fire watching Coronation Street or we're going to be sipping champagne on the deck of a Cunard cruise ship.

[00:17:49]As always, I think the I think the truth lies somewhere in between. I really do.

[00:17:53]So we actually live quite frugally. We don't spend a lot, you know, our money our money tends to go on holidays.

[00:17:59]People say we're going on holidays six, seven times a year and think we're rich.

[00:18:02]We're not. But we do not spend an an awful lot other than that. That is kind of our hobby, you know, going away on holiday. And now that we've found YouTube again um another another hobby which we love and we're going to continue to do hopefully.

[00:18:17]Now we've lived in our house for about 25 years and we've only just recently really replaced the kitchen and bathroom. More on that later. But yeah, we don't spend a lot. We don't spend a lot on food shopping. We don't eat out a lot um anymore.

[00:18:32]It's it is getting more expensive and I and I do I do like to actually cook. So you know, we we tend to just eat quite frugally quite simply.

[00:18:42]And and that saves us a lot of money, you know.

[00:18:45]Um I don't both of us don't spend a lot on clothes either.

[00:18:50]The only real thing I buy is like the Levi's t-shirts.

[00:18:54]I love them simply because I think they're good quality and they last a long time. Rest of my stuff comes from Temu or a lot of it's from Shein probably, but yeah, we don't spend a lot on there. I think our biggest bill's probably high-speed broadband which we love. We we obviously watch a lot of YouTube as well as make videos for it. So yeah, that's that's one thing that we do spend money on.

[00:19:17]Oh, and by the way, Julie's pension is way better than mine >> [laughter] >> and getting better all the time.

[00:19:23]But but yeah, obviously money is a is a massive factor in all this. We have been saving, you know, when as seems to be the case these days if you want to get on both of you have to work and that's been the case for us.

[00:19:37]So yeah, we did um we did look into buying a property abroad abroad many years ago twice.

[00:19:43]There's a video on the channel about that by the way.

[00:19:46]But we didn't and instead bought a little bought a place over here which we rent out and that brings in an income.

[00:19:52]So, we think we're going to be okay.

[00:19:54]Of [snorts] course, you do have to get into a state of affairs where you are now spending money instead of saving it and that can I remember the boss saying his wife couldn't quite get her head around that, you know, when he retires, you know, that he won't be getting a wage every month. You'll have to use your your savings. But, yes, that's something that we're going to have to get used to. The money going down, not up. But, you don't need to keep saving.

[00:20:23]You don't You don't know how long you've got. But, I've always said I'd never ever wanted to save for a a retirement that I might not get.

[00:20:34]I remember we bumped into an ex-colleague of Julie's who had retired and and she said that the mortal fears, keep checking the figures. Keep checking them figures. If you don't have to work, why would you? You know, so keep checking your pensions, keep checking your savings, keep checking how much is going out of the bank every month, you know, and work out can you retire, you know?

[00:20:59]If you've got enough money coming in that will cover all your bills and and give you a reasonable life, you know, without that jet-style lifestyle, then why not? Why not retire and enjoy enjoy your life while you can.

[00:21:13]What about big repair bills? What if What if you need a new roof? Things like that.

[00:21:19]It's like It's like having kids in it, you know? If you're If you're waited until you could afford to have kids, you just wouldn't have any, would you? And I think it's getting like that as I say it with retirement, you know?

[00:21:30]You've just got to You've just got to go for it. You've just got to go for it. Do them figures and go for it. And we've got insurance, you know? Anything major happens, you hopefully that'll kick in and cover it.

[00:21:42]Now, I've already mentioned that we've had a new kitchen and bathroom. And I can tell you without lying, we know people who have had um four new kitchens and three new bathrooms since in the time that we've had ours before we got it done. Um That's You I'm not sitting in a chair, you know, about to draw my last last breath um reminiscing about all that sofa. Oh, that kitchen. Oh, remember that bathroom I had? It was lovely. No, not for me.

[00:22:13]So, instead of all the bathrooms and kitchens, we just went on holiday.

[00:22:16]And as I said towards the end of me mom and dad's life, we we went with them.

[00:22:21]We took them to Benidorm and that was what they loved. And I've got all those memories. I've got all those photographs and that'll do me.

[00:22:28]It's all I need. Now, one of the things we've have been doing is trying to do is is declutter the house. We have gathered an awful lot of rubbish over the years.

[00:22:38]And Julie will tell you most of it's mine. But, and it probably is. But, you know, I've bought something like I'm not going to throw that out. I might need it in eight years' time. So, yes, we're we're have begun decluttering the house.

[00:22:49]We We no longer have any plans to to move. A few year back we were considering buying a bungalow. But, we've we've thought better of it. If need be, we'll put a stair lift in. But, we're not moving. We love our home.

[00:23:04]So, our the decluttering is going on at a pace.

[00:23:08]Six Christmas trees I found in the loft.

[00:23:10]Six. That's Julie. That's not me. I wouldn't have any. Bah humbug. But, I six Christmas trees? Who needs six Christmas trees? Place was lit up like Blackpool at Christmas. Unbelievable. No more.

[00:23:24]Uh the golden rule is if if you haven't laid a finger on it in the last seven years, it goes in the bin.

[00:23:31]in the bin.

[00:23:33]But, in terms of preparation, obviously the most important thing is the finances.

[00:23:39]And uh yes, we have we do have a spreadsheet. We do. Um as I said, I was going to I was going to wait. Actually, I was going to wait until September of this year.

[00:23:48]Um I'm filming this end of April and um I was going to wait until September to do the figures cuz I was planning on retiring when I was about 64.

[00:23:57]Did the figures and I thought, no.

[00:24:00]What am I doing? The reality is um the only reason I'm still in work is because we have two apprentices. The engineer that was working there with me, he left. Um And if if I left, the place would shut cuz uh there's there's nobody there who knows how to how to work the machines or to set machines or to repair machines. So, until I get these two kids trained up, um I don't want to I don't want to let the company down, basically. Now, I know there'll be a lot of you saying, as I said before, you've you've forgotten about You've forgotten about the next team. Let's be honest.

[00:24:36]Cuz you you are just a number, I suppose.

[00:24:40]But, I shouldn't say that, you know. As I said before, I've been really lucky to work for some excellent companies. I really have. They've looked after me.

[00:24:48]I'd like to think I looked after them. I was promoted in every job I'd ever had.

[00:24:53]Um and only asked for it once.

[00:24:56]And really shouldn't have. Me dad Me dad was excellent at his job and they tried to promote him loads and he just said, no. Me dad clocked out, he went home and he didn't give work a second thought.

[00:25:09]Um It was a means to to an end to me dad.

[00:25:12]And there's a lot to be said for that like, you know, trying to climb the ladder.

[00:25:17]It's not always easy as you're saying cuz one thing that definitely comes with it is more stress and that'll kill you.

[00:25:24]Now, I mentioned we we both have workplace pensions and Julie's is much better than mine.

[00:25:30]Mine were all over As you can imagine with me jumping from job to job, I've only really had the three long-term jobs. But, um I had pensions here, there, and everywhere. I cashed a couple of small ones in. I You know what it is?

[00:25:43]That's a That's a big thing in all in terms of retirement. Oh, don't touch your pension. No, no. It'll grow and grow. I wanted to be certain that after paying into a pension all my life that I got something out of it. So, I did cash a couple of small ones in and we just blew it. I can't even remember on what. Probably a holiday. But, uh but yeah, I I I'll tell you what it was It was so satisfying um cashing them pensions in and finally getting your hands on it, you know? Um yeah, brilliant. I would advise it. You know, at the end of the day, it's your money. Do what you want with it. I wouldn't advise anybody. I'm not a financial advisor.

[00:26:24]I'm the last person to advise on finances. I just blow most of my money.

[00:26:28]But, we have been fortunate that we have been able to save lately over the last couple of years. So, yeah. Well, we're we're not bad off as a lot of people.

[00:26:37]So, my pensions, what am I going to do with them? Cuz I have consolidated it down to I've transferred all the little ones into two main ones. One which was frozen and the other one is me ongoing works pension. Um so, yeah, what what do you do?

[00:26:53]Buy an annuity so you've got a guaranteed income for life.

[00:26:58]But, as inflation goes up, that goes down.

[00:27:02]Or do I just draw down as and when I need it?

[00:27:05]Um For me, I guess that's probably the best way forward. Um cuz I just I don't know as I say how much I'm going to need. The reality is now that the mortgage is paid, um the cars are paid off, we're going to go down to one car between the two of us shortly.

[00:27:22]Um but I don't actually need that much money.

[00:27:25]Julie's wage could uh could keep us both going. It's not We're in a fortunate position in that way. And I'm really grateful for that. But, it is born out of years and years of hard work. You mustn't forget that, you know?

[00:27:41]Literally, nobody has handed us anything.

[00:27:45]Time to climb another hill. Lots of hills around here. Beautiful place, by the way, isn't it?

[00:27:50]Beautiful.

[00:27:56]So, yes, what do I do with me pensions?

[00:27:58]Well, I originally thought, you know what I'll just look into it. I'll study and I won't have to pay a financial advisor to give me advice that I already know. Um And whilst I haven't looked into it um with any great detail, I already know it is it can be complicated and it can be risky. A lot of people get scammed out of their retirement funds.

[00:28:22]So, I probably will be going to see a specialist.

[00:28:26]So, there you have it.

[00:28:28]My working life is coming to an end.

[00:28:31]Um And I'm heading for retirement. And as I said before, I won't be doing loads of retirement videos.

[00:28:37]I will be doing loads of videos in retirement. But, you know, they won't be about retirement. There's plenty plenty of other people who are more interesting on YouTube for that. Um But, I will do one next year.

[00:28:52]Um And one year after. If I'm still here.

[00:28:55]As >> [laughter] >> As Rosemary would say, oh, if I'm still here.

[00:29:00]I plan to be around a while yet. But, anyway, thank you for watching. If you've stuck it out this far, I hope it has been interesting. It It has for me. I've wanted to do one of these videos really since since sort of last year when when I kind of became serious about retirement. So, um yeah. Thank you very much for watching.

[00:29:23]I hope you've enjoyed it. If you have, do hit the thumbs up. It does help the channel out tremendously. And do consider subscribing to the channel.

[00:29:31]Even though you may have clicked on this to to hear about retirement and my impending retirement, um do have a look on the channel. There may be something there that interests you.

[00:29:41]You never know. But, either way, thanks for watching and I'll catch you in the next one. Bye bye now. Don't forget to like and subscribe. Yeah.