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Graduating from Work #13: The Giving Tree

June 2, 2025 By E.J. Smith - Your Survival Guy

By Надежда Долгова @ Adobe Stock

You know in your gut that retirement is serious business, and yet it’s not taught to us early enough in life. The mystery of money should not be written like a thriller full of surprises at every turn. Sure, we’re taught some simple math at school, but we’re not taught that retirement success is more about the arts.

The art of a successful retirement is that sacrifice is at the heart of saving money. It’s not about hitting it big or winning the lottery.

If I could give advice to recent graduates, it would be this: Think about retirement well before you get there. Plan for it. See yourself “making it a great” retirement. How do you do that? You do it by taking steps. You do it by living your life with the thoughtfulness and care it requires to live a great life.

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First, you do that by making it a great day, then week, followed by my personal favorite “Making it A Great Month” (as you remember from Richard C. Young’s Intelligence Report), and then a year, and so on and so forth. Visualize yourself having the retirement you dream about—beating inertia.

When you finally have achieved success, my guess is you got here saving ‘til it hurt, working for as long as possible, and realizing you had enough money to live comfortably for the rest of your life. Maybe you’ll even leave some for the kids. But don’t let that keep you from flying business class, taking big trips, and living a good life.

Action Line: Retirement life comes at you fast. Enjoy each step of the way. And remember, I’ll be here when you need a friend and some help guiding your money. Email me at ejsmith@yoursurvivalguy.com, and click here to download my Special Report: How To Invest After Graduating College. Give it to a recent graduate you know to get them started on the right track.

Read the entire series here.

Originally posted on Your Survival Guy.

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E.J. Smith - Your Survival Guy
E.J. Smith - Your Survival Guy
E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998.

E.J. has trained at Sig Sauer Academy in Epping, NH, NH, where he completed course-work in Practical and Defensive Handgun, Conceal Carry Pistol, Shotguns, Precision Scope Rifle and Kidnapping Prevention.

E.J. plays a Yamaha Recording Custom drum set with Zilldjian cymbals. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West (RIP JB) and Paris.

Please get in touch with E.J. at ejsmith@yoursurvivalguy.com

Click here to sign up for my free monthly Survive & Thrive letter.
E.J. Smith - Your Survival Guy
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