Holden Lewis

I enjoy my job, so I have no problem continuing for now.

Yeah, I'm a little worried.

I'd like to reduce my savings rate, but I'm scared that if I do, then I'll find myself at an older age where I still need to work or I won't be able to retire and it won't work as exactly as planned because although the stock market and everything has been going great now and I'm seeing some great returns, I'm scared that that might not necessarily be the case over the next decade or two.

So that's really what's been stressing me out as well as if you have to cut back on your savings and I'm spending all the money now, then it just gives me a little stress.

I haven't really looked at that.

What do you mean as in?

Yeah, I have heard that.

I'll be honest with you.

My parents never really seemed to talk about or have money issues.

I've been fortunate.

I came out of school.

I had a job.

I was never really making a large sum of money at the beginning or anything, but I was always able to pay my bills.

So it was never personally for me an issue or anything.

I guess I'm just really concerned.

I don't want to find myself at an older age where I'm stuck needing to find a job.

Some of my money that's in the 401k is being managed by a financial advisor.

Yeah, I did have her in the past, but I kind of don't have one anymore.

Cool.

Yeah, for sure.