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00:00-01:31 time energy money framework
01:31-02:34 trading time for money
02:35-04:48 middle-age balance responsibilities
04:49-06:14 third phase time declines
06:15-08:38 expats health retirement shortfalls
08:39-10:49 divorces drain finances
10:50-12:10 retirement goal comfort
12:11-15:06 plan ideal retirement home
15:07-18:55 condo vs house strategy
18:56-23:48 aging fragility avoid isolation

In this thought-provoking breakdown, Reekay explores the three core resources every man relies on: time, energy, and money. What happens when time and energy run out? Why do so many expats struggle in retirement, and are you prepared for the third phase of life? He challenges the assumption that retirement is only about income and instead argues that comfort should be your ultimate retirement goal. From condo vs house strategy to avoiding isolation and financial disaster, this video examines what growing old without comfort really looks like. If you want to avoid retiring broke and alone and instead design a stable, peaceful future, this discussion will change how you think about your golden years.