More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
Insightful... I was curious about her, so I looked her up online. I discovered her website, and I must say that she seems knowledgeable. I sent her an email outlining my goals. I appreciate you sharing.
Most people don’t realise it, but the secret to retiring comfortably is finding a way to make returns while your money works for you. My dad, as I remember, started saving for retirement quite late, but I know he was making more than 10k returns from his investment monthly and it was completely passive.
Not really. Approximately four years before to my dad's retirement, our family was introduced to a financial advisor. That was the catalyst for the transformation. I believe my retirement income would be on the right track because I've been using the same advisor.
I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I'm hesitant to make recommendations like this online so I can't drop her contact here, but you could look her up yourself and contact her if you wish. Her name is Sharon Lynne Hart.
Success is not built on success. It's built on failure, It's built on fraustration. it's built on fear that you have to overcome. I pray that anyone who reads this will be successful in life
Investing in Bitcoin is the best investment any one should think of doing, because it has made a lot of people millionaires. For sure, every investor will be successful in life
Because of the economic crisis and the rate unemployment, now is the best time to invest in Crypto and make money 💯. But you have to invest with the right broker
Amen! 🙏 But I have incurred so much losses trading on my own....I trade well on demo but I think the real market is manipulated.... Can anyone help me out or at least tell me what I'm doing wrong?
"The instant gratification of those purchases, is it worth delaying your dream life by hours, days, even years?" most important words you have said in this video.
Lamborghini and beach condo, sure worthy of purchases. The reason is -- some purchases contribute presently to a present dream life. Instead of delaying, it's actually advancing the dream life.
Thank you. Just what I needed to watch. My hubby and I are directors of our farm business and own property, plus small pensions. I am nearly 52, hubby is 55. We have started to save to retire from the farm, and possibly live on rental income, I'd really appreciate you go LIVE and talk about how to earn passive income online and retire comfortably, let’s say $1M.
I totally agree, I'm 60 and newly retired with about 1.2 million outside retirement funds, no debt, and very small dollars in retirement funds compared to my portfolio balance over the past 3 years till date. tbh, the role of the invt-advisor can only be overlooked, not denied. just have to do your research in finding a reputable one.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’AILEEN GERTRUDE TIPPY” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
If you have 1 million, you can put your money into a high-yield savings account (5%) and live off the interest in a cheaper country like Bali or Thailand (forever).
I didn't become financially independent until I was in my late 30's, and I'm still in my 30's. In addition to having purchased my second home and earning money on a monthly basis through passive income, I've also achieved three out of five goals. I just hope this inspires someone to realize that it doesn't matter if you don't have any of these things yet, you can start today no matter your age. Change your future by investing! I made a rather big decision by investing in the financial market.
I agree with you and I believe that the secret to financial stability is having the right investment ideas to enable you earn more money, I don’t know who agrees with me but either way I recommend either real estate or bitcoin and stocks.
@@divlweb Understanding your financial needs and making effective decisions is very essential. If I could advise you, you should seek the help of a financial advisor. For the record, working with one has been the best for my finances...
I’m Glad i stumbled on this. Please, if its not too much of a hassle for you, can you drop the details of the expertise that assisted you and how to get in touch….
Thank you Jean for your candor and openness. I admire the job you're doing to help individuals live more meaningful lives. It's motivational. After more than 12 years as a registered nurse, I decided to retire two years ago.
@@andrianaisabella4309 I prepared for early retirement while still in the service, earning roughly $2k from my investment portfolio while attempting to establish more side hustles and extra income
Wow that's impressive! Speaking of investing I have heard about this but I don't really know how to start and make a good investment. Share more info please
There are numerous investment alternatives available including real estate, exchange-traded funds (ETFs), stocks, crypto but my best advice get a professional lead you into profitable one
On this, I absolutely agree with you. Having a financial professional is a great idea if you are interested in investing right now. I can't only hope to earn more money at my 9-5 job; everyone else should as well
A minimalist lifestyle is key, and probably sans kids. Most people I know (myself included) have big cars, big houses, big families and big debts. And it’s a never ending treadmill leading to a heart attack.
I think sans kids is the biggest thing here. You can cut off cars, houses, luxury, etc- but if you have a child/children, you will want to give them the best things you can, including education.
@@anastasiab9506That's on you that you are brainwashed! I went back to get a degree in my 30s and that was almost 20 years ago. They don't encourage students to think for themselves. Get out of the Matrix.
Blown away by how truthful you are and showing how realistic you have to be to attain your lifestyle. It’s glamorized so much that we end up thinking it’s just easy. You’re the first person who told me the real truth and I’ve been on this journey of wanting to quit for some time now. Now I get to make a more informed decision. Thank you so so much Jean! ❤
hi dear, thank you for this kind note. I'm lucky that after 10 years we got to where we wanted to be and it all worked out. On this path i've met many others like me, for whom quitting and going alternative has worked out - just it also took them years to work things out. Be brave and proceed wisely!
This is my fifth year after retirement. I’e been following the 4% rule thing I saw on a youTube channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get really worried.
Not a lot of people are able to save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
I’m closing in on retirement, too, and I have benefitted so much from using a financial advisor. I didn’t start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in more profit than some of my peers who had been investing for many years.
Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
Hi Jean, I wish I had heard this lesson 20 or 30 years ago. I’ve spent my whole adult life caught in the rat race. I admire your courage as a couple to make these life changes. Here in Canada we are taught and encouraged to live to work, a process installed by big businesses many years ago. People like Tim Ferris and Robert Kiyosaki have helped to let a new generation understand there is another way. I give thier books to young people I think will be receptive to such a change. Thank you for sharing your experience, tips and concepts. Please keep it up. One related lesson I’ve learned is to find a partner who shares this desire for a different lifestyle and getting out of the rat race. Steve (66yrs) Manitoba Canada
Hello Steve, I am glad to hear your stories. I'm currently applying for a student visa from IRCC, which hopefully can help me get a PR afterward. On the other hand, I am also worried about the high living expenses in Vancouver, BC - trying to rent or buy an apartment, working in a company to get local work experience to be eligible for citizenship(I am an entrepreneur and have run my own business for 8 years ), and all that kinds of things. After reading your comments, I realize that why would I put myself into that rat race?! I am still happy to go to Canada to attend school because it will help scale up my business, but I think I will not care about PR as much as I used to. Thank you for your sharing!
Hi Steve, thank you for your kind note and that personal sharing. I completely agree. With the right partner, we become something greater than just two people put together - that idea of 1+1 becoming more than 2 I guess haha. That’s my experience w V, I’ve been very blessed in that regard. Think you prob have one too! Canada is a wonderful place to live if one is financially comfortable there, I hope you enjoy your life outside the rat race there!
@@JeanVoronkova aloot rusian and ukrain :)) have income :) nobody ask where its this have this in waleet right :)? look dubai thsi evrywere its rusian ur ukrain citizen strange my dear i hope you grow your chanelll youtube and wealthy honest income your perfect charisma for this vlogger style life
I lived in Singapore for 15 years and I realised that its not the place for me to start a family, living simply and retire. So I decided to quit my 9-5 job and went back to my small hometown and helped with my family business. After watching this video im more certain that I’ve made the right decision to leave my 9-5 job in Singapore. Now Im living simply, free from luxury and temptation, I also have more time to spend with my family and most importantly Im able to pursue many hobbies. Namaste!
@@sakshambansal7383 Sumatra Island of Indonesia. Things are affordable and low cost of living here. And most importantly I dont feel being chased by time.
@@Dii86 great, I am planning to study abroad which includes spending a lot of money. Should I try moving to places like Indonesia first if there are opportunities to work?
I'm 42, sad to say I made terrible money decisions growing up, which I was previously paying for, but thank God that I now have the opportunity to focus on my personal financial needs. Currently, I'm devoting every waking moment to my retirement, and I'd really like to retire to Bali with at least $2 million, but the market's up and down isn't helping.
I'm Indonesian, don't retire in Bali. Don't buy the lies from these influencers. Even I don't want to retire in Bali 😂 I'd rather have millions and travel to Bali during my retirement but never retire there.
Am around your age and I plan to retire in 4 yrs time. Still not too late. Pick up knowledge to set up a few income streams. 5 years is a gd time than never.
@@fireeye33 Depends on individual.Asians always find it weird that Caucasians prefer to settle to somewhere like Asia. Most told me they prefer tropical instead of having 4 seasons, not to mention typhoons. Some ppl just prefer staying near the beach, countryside, rural instead of cities. I myself prefer staying near the beach.
Good to hear it is working out for you. I also retired at 38 with plenty of savings and a business plan... in fact the groundwork in place. Enjoyed it for a while but turned out it is easier to enjoy life on a salary. Plus I fell back in love with the daily routine of 9-5. I look forward to putting on my suit now. Hope your retirement stays on course.
haha its good to try out different things in life and the experiences teaches you what truly is your cup of tea. Glad you have found what makes you happy, even if it means a u turn back to the good ole 9-5! we r retired but still actively pursuing our interests, money-generative or otherwise. It's been almost a decade of a non-9-5 life now. I'm never turning back i can safely say.
@@JeanVoronkova True, my FIRE story helped me discover what genuinely drives me personally. The main takeaway from my 4 years in early retirement was that you do not actually retire. You got to work either way, sometimes even more. Moreover, the allure of your interest that drove you to early retirement can fade away once it becomes your new job. I also discovered that you do not need to quit your job to be creative or do something fulfilling. An overall positive attitude is what is needed no matter what you are doing and opportunities come your way. Alternately, you do not become automatically happy once you retire early. Good and bad days are part of your life...you cannot eliminate them. Last but not least - never say never :)
It seems that many want to retire without working before retirement 😂😂😂. Studying until mid 30 and retiring with 38 is nice but what is going on when you are 70 years old? Life is easy and beautiful when you're young but when you pass the 60 you have still 30 years of life ahead and it can be long without money. Look how many westerners are moving to SEA because they can't afford to live in their home country.
Thanks for sharing your story Jean. My wife and I have been in the s&p500, both through my TSP and through Fidelity in her 401k. Until 3 years ago, we were 100% in the s&p for over 12 years. Cashed in $300k from the S&P and invested with a full service CFA. We currently have $1.2million in out tax deferred savings, no children. I retired last year at 49 and my wife will retire next year. I can say we're doing just fine.
This is cool. I was wondering if investing in a cumulative ETF during this next decade is a sound investment. Or is it better to invest in a distributing ETF (even considering taxes)?
@@George-hl7jf My funds are pretty much diversified. You should probably try algorithmic trading; copy the gurus, more so one with experience of the past bear markets. I copy a chartered financial analyst Josephine Guevara Laporte. Been quite consistent. My portfolio returned approximately 21% in the last quarter.
Hi I'm already in retirement and have like $700,000 in a CD account with a very low interest. I only need $30,000 for liquidity purposes(emergency fund) and plan on growing the bulk to over a million. I found Josephine Laporte's official website after looking up her name. Quite impressed at her portfolio and I want to schedule a call with her. What's the fee structure?
@@theexpendables3152 Since it's an algo trading based model, it's very much transparent because you can actually see what assets you have and how much growth your portfolio has achieved. Josephine takes 10% of only the profits, no hidden fees.
@@profderek8111 A 10% of profit is fair. I've just dropped a message from the website. I find it better to pay a little bit more for peace of mind than worry about market trends and still get burned. Thank you.
Most Americans find it hard to retire comfortably amid economy downtrend. Some have close to nothing going into retirement, my question is, will you pay off mortgage as a near-retiree, or spread money for cashflow, to afford lifestyle after retirement?
Agreed, the role of advisors can only be overlooked, but not denied. I remember in early 2020, during covid-outbreak, my portfolio worth around 300k took a slight fall, apparently due to the pandemic crash, at once I consulted an advisor in order to avoid panic-selling. As of today, my account has yielded big fat yields, and leverages on 7-figure, only cos I delegate my excesses right.
this is huge! mind if I look up the advisr that guides you please? only invest in my 401k through my employer for now, but enthused about diversifying my investments for a prosperous financial future
'Vivian Carol Gioia' is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Our human capacity is too large to live a regimented segmented life. We are not here to shop but to figure out the power that is in an atom and "is" us. We can do that only by listening to our hearts. Can be scary but nothing was ever achieved without courage. Good on you Jean.
You’re such an inspiration. I find your energy so calming and you fill me with a sense of hope for the future, something that has been hard for me recently.
Hi Jean, it’s amazing how you have grown since you are that young girl during our NZ trip. Totally agree with you and life philosophy! I had somewhat similar plans pre-covid, albeit different destination. And now, I am tweaking my plans and watching the geo-political situation before the next move. Meanwhile, doing the same back here now. Take care and super happy you are where you are now! 🙂
Feels like hypnosis / guided meditation would be another avenue you would do extremely well in, help people quit smoking, de-stress, anxiety relief and courses are short term and relatively affordable. I don’t think you need advice I just find your voice quite soothing, thank you for sharing this, I’m sure you’ll help so many people!
jean! this video came to me at the perfect time. i like my industry (data science) but i want to do it freelance while living in vietnam, not in a rigid and bureaucratic corporate setting. hearing your transition from big law to freelance has inspired me.
hey! I'm glad you have that take away from my videos! that's wonderful! Dare to dream. Seriously I had so much pain struggling to exist outside of my legal training and work experience but i carved a new path for myself eventually luckily. And no regrets leaving that corporate environment yeah. Vietnam's wonderful we lived there for many years (me 8 V 12) - you'll love it i'm sure. All the best
Jean, once again you've hit the nail on the head with your spiritual yet practical insight on how to live a TRUE quality of life. Real freedom is the ability to have choice, as the universe lives within us with infinite possibilities. Simplicity is truly luxury, and having the passive income to make better life choices is true wealth!
i love this comment from you, thank you so much for sharing. Couldn't agree more with every bit of it. True wealth is the ability to choose free from fear and money influences.
Thank you for sharing what's worked for you out of the genuine goodness of your heart. So often, people keep within the things that helped them, while forgetting teachers and sharing your wisdom with others help the world. Thank you for such amazing tips and the resources in the description links below. So helpful and inspiring!
Now all i have to do is find someone like you!!! I very rarely comment but so many people DONT realize that life is suppose to be lived the way YOU want. I cant wait to eventually travel to southeast asia. all the best!! You truly get it which most people dont
Thanks Jean for your honesty, history and transparency. Enjoying a Simple Life in Bali is a dream concept for anyone that has been there multiple times. Health and happiness are a close second and to be able to surf a must third. At 71 I am afraid to give the third one up but muscle power or lack of it might just dictate who inherits my 4 Longboards. Maybe I should take up Yoga again but hate working out on the floor.
ahh maybe swimming or bodyboard? I love that lots of surfers surf all the way for as long as they can help it though. I will see myself as being blessed if that's how the last stage of my life goes :) Yoga is great for maintenance tho don't dismiss it too quickly! but thank you also Doug for your time every weekend i'm grateful for the support!
Jean, 2 questions: 1. can you breakdown your rental property income and how can you afford to own it in only 4 years+ building wealth? 2. how about children, can you continue with your current lifestyle with children or you need to sacrifice by not having one?
That's exactly what I'd like to know too, how many children she is raising. F.I.R.E. is very attractive for a while, but children are one of the greatest sources of happiness. Many people are too late to realise this. In other words, could this lifestyle be achieved with children?
@@aba7132 many people can do FIRE with children if you research the community. Also, many people find great happiness in not having children as it provides them freedom (childfree often have learnt this and make the choice of freedom/money/opportunities over children).
Hi Jean, your calm, perfect combination of words and kind of “patience” melody of your voice made me take this decision - I’m saving for maybe 3 years, slowly surely, but without any goal, without point in the future. But, happened you were the trigger (will ever blame you!) to change the job first to get more freedom and mental health. Later, retirement to mountains… thank you, I own forever. ❤
Love your story! I'm 35,and gonna quit my stable job to pursue my dream abroad. Your sharing really inspired me, I like your ideas very much. We share something in common, I do yoga and financial investment, too~
life is always smooth going and can take any high-risk decisions when you are single or a couple without kids, Basically you can do wonders anytime anywhere. But the moment you've become a responsible parent everything I mean ,everything starts turning up side down. whatever the decision you gonna make ,you have to think 100 times how it will affect your kids and their future. But I am happy you've made your decision before you make kids. All the very best for your future.
Thank you for speaking up about alt choices in life I look ard and see ppl living n walking down a pre planned life or so call good life And they dun seems to think there are other routes in life Hope more people can see this msg u are trying to convey
thanks Song, u really are a kindred spirit. Its ok if they are happy in that pre planned life. SG govt is damn good at pre planning our lifes for us hey hahaha.... but the sad thing is if they are actually not happy and feel stuck but fear moving out of the mainstream.
Hi Jean 👋 great video! You have such a great understanding of life, everything you said I fully agree with so it was so refreshing to here your journey. Thanks for sharing ❤
Thanks for paying it forward Jean, I like that you summarize the video with 5 takeaways, very inspiring life story of courage and clarity to achieve your dreams. I haven’t found my target yet. Hopefully one day. There’s plenty of good ideas for me to learn and refine from your takeaways. Another thought provoking high quality video. Looking forward to more!
Thank u Stephen for dropping by! Finding your life goals and targets is in itself a journey that can be both enjoyable and very educational for yourself so I hope you can enjoy that process too :) happy this video msg resonated with u also 🤓🌻
"Most big, deeply satisfying accomplishments in life take at least five years to achieve. This can include building a business, cultivating a loving relationship, writing a book, getting in the best shape of your life, raising a family, and more. Five years is a long time. It is much slower than most of us would like. If you accept the reality of slow progress, you have every reason to take action today. If you resist the reality of slow progress, five years from now you'll simply be five years older and still looking for a shortcut." - James Clear What actions are you taking on your own path towards financial freedom and early retirement? Or do you not believe at all in minimalism and investment? Share share!
Hi Jean, you might run into somebody my age (66) with a health insurance. He or she might have no problem to share with me the way they have obtained a policy. Thank you so much in advance.
thank you! getting rich quick seems to be a thing percolating through the millenial generation now esp w the rise of crypto awareness..... recent Luna drama caused a lot of heartpain to many of these people i believe...
Jean thank you sommuch for sharing another great video. I am 51 and I am an author and speaker and for the first time in my life feel ready to retire but I have felt so guilty but I am going to go for it this year, I am eternally grateful I found your channel your message has come at the right time :)
I love your journey to freedom. I'm still dreaming about achieving a similar goal. We always think there things stopping us from getting there but as I I can see from your story, it actually takes a moment to realize you just need to take the first step.
@@JeanVoronkova I’m quite surprise with your decision normally in Asian culture the parents are very very proud if the children are had a good courier like yourself as a lawyer, but as you said everyone is different as long as you are happy 🙏🏽 but hey with your talent you’re easily get a job in Jakarta 👍🏼 you are a smart girl!👍🏼
Thanks for sharing this, Jean! I’m currently in the exploration phase, trying to figure out what I truly want out of life! It is really hard to separate our own identities and values from others’ and society’s expectations! Unlike you, I haven’t arrived at the answer yet, but your story really inspired me to continue re-evaluating everything I choose to do with my time.
Well i'm also just figuring it out as i go along, i'm just further down the road than you are cos started earlier lah! The world really is our oyster... we just need the confidence to go shape it to what we need it to be. Good luck!
I watched this for only a few minutes to realize you know EXACTLY what you are talking about - because I came to the same conclusions and now live a similar lifestyle a few years later. YES, I also get asked how could I do it, so many misperceptions. But like you, living in an affordable locale like SE Asia is one key. Giving up my car and house and decades of possessions that didn't make me happy was another. Now I have never been happier with less things and far more experiences, like you put it! Great video - I am sure it will help a lot of people who are ready but don't quite know how to proceed.
@@ariyanwijaya270 At the moment I am travelling the world going for 100 countries - will finish that by next April - then will decide if I want to go back to Vietnam where I was living before or try a new place - like the Philippines or Thailand.
@@BrianBaileyedtech thats cool If you have blog or channel let me know, i want to learn from your experience. I wish you all the best and good health in your journey
Great Story Jean! The most important step in life to chasing ANY goal, or living your dream life is knowing specifically what you want, and writing it down clearly and specifically, and then move in that direction!
2k buks for living in Indonesia is high style living. Almost 30 mil rupiah a month. For comparison, the highest payment minimum (UMR) here is Rp4.8 mil (±$335) which is in Bekasi, west Java.
Hi Jean, just came across your video and is very inspirational. A lot of food for thought and really puts things into perspective. Thanks for sharing your journey. LIVE WHAT YOU LOVE!
Yes! The highest level of liberty lies in being able to choose life, instead of having life choose you. Thanks for sharing and your voice is so gentle! I will keep watching your other videos! :)
Some of us are lucky enough to have choices in life. Your lifestyle might not be for everyone, some people would miss their job routines, the hustle, being around large families or friend groups. But it's important to be aware that we have other options...well, many people around the world don't, but that's another story. I've worked as a musician for most of my adult life, and generally speaking I've had less security and money than other people, but I enjoy what I do. My kids learned to be financially independent and are following their passions in life. I see a lot of comments about not being able to live the life you want with children, and having to "give their children the best possible opportunities" etc. But I don't believe that has anything to do with making big money. Most kids get a decent education in public schools, and they need parents who are present, loving and consistent, not rich.
Hi, thank you so much for leaving this comment, I really appreciate your note and it resonates deeply with me. I admire your courage to pursue a life in music out of a place of passion, even more so that you have kids. Yes you're right, so many people just automatically write off the idea of pursuing a life that truly resonates with them "cos they have kids, duh" - but on many levels that's really just an excuse. Sure the financial threshold automatically gets higher, but its not unachievable, and like i keep repeating, many people around us here in Bali are here with their children. They just dont YT. And yes, I do think how their kids turn out is not just a matter of education but also how their parents are with them - it's especially clear here when things are so flexible wrt to their education and daily schedules and everything. I think your kids will benefit greatly from your outlook in life. Thank you for sharing your story. I hope more people read this.
Jean, thank you so much for this video. I need to bookmark it so that I can watch it everyday. The information you share is something that we as hamsters on the wheel need to hear everyday. Thank you again. See you next Saturday.
Thank you Sean, I’m really glad that my sharing made a difference and helps you. It’s all a bit personal n we’re pretty private so it took me a long time to make this video, but now I’m happy I did!
This "life" we are living is a temporary thing. We all "die," or cease to exist in this physical, material plane eventually. Once that time has come, then nothing here will matter anymore to us -- nothing at all . I would say to you that there is most certainly another, higher realm, and that what we are facing here, while challenging, is not something that ultimately "matters" in the way we think of it in our minds.
You just radiate serenity - what an inspiring life you have had. My wife and I are on the same pursuit as what you and Vitaly have achieved. Currently on the growing the courage to quit the societal norm city lifestyle step and save every penny. All the best, and much love!
Hi Gabriel thanks for the kind note 🤓 actually after posting this I flew to Singapore and I feel like such an odd duck in the midst of this hustle and bustle here! I do think taking your courage in your hands to go against the grain is one of the hardest parts of this journey we’re on perhaps, maybe more than amassing the money, but the good news is that it does get a lot easier down the road (when all the naysayers see that you didn’t just starve to death and keel over 😅) good luck!!
Great Video, Success is dependent on the actions or steps you take to achieve it. Show me a man who doesn't have an investment, and i will tell you how soon he will go broke. Investment is building a safe heaven for the future. With the right choice of Investment that has at least 1% minimum risk and with an expert guidance, profit and Intrest is 100% guaranteed.
I agree with you. I had a senior colleague at work who was living well but never had an Investment, unfortunately his work was terminated,so he went from living well to surviving with his family.If he had invested when he was still working, he would have had another source of income.
Investing is a prior decision to make for the future. If you are seeing this and don't have an investment, please do make plans to invest so you don't end up like my senior colleague at work.
This made so much sense, just like he said " for one to invest, the person have to consider an appropriate choice of Investment with at least one percent minimum risk , profits margin, a mentor and expertise to guide and help you manage your Investment portfolio.
With the help of Angelina Morris who works with an Investment organisation in England, I have been investing in the Foreign exchange market, Stock, and dividends with her expertise and guidance,she has helped me make huge profit on my Investment portfolio.
@@halasultan6439 Oh its great to see someone who also benefit's from the services of Angelina Morris indeed it's a small world. She is my portfolio manager and mentor too for 2 years and still counting and I have made profit of 123,795 usd from my initial amount of 5100 usd with her managing my portfolio.
Omg how in the world you figure it out so early. This is so wonderful. I love it. I will definitely share this to my young men sons. They are also successful young engineers and I wish them to live a fulfilled lives and hopefully they one day meet that perfect partners with the same visions. Thank you.
You should look into first-time homebuyer programs in your area. Some allow you to only put 3% or 5% down. Also, some banks are now offering down payment assistance where a certain amount is loaned for the downpayment - then that amount is rolled back into the mortgage. Also, get a 30-year mortgage - but pay it like a 15-year mortgage. You can run an amortization schedule. Add an extra payment to your 30-year payment so that the payment equals what you would pay if the loan were only for 15 years. If there are months when you can't do the extra amount - just pay the 30-year amount.
I think Quentin's advice here is pretty good. I did something like that after the bubble crashed, but it was a completely different situation and far more justifiable. Simply put, I had a couple of high interest second mortgages with lower balances. I used principal payments to get them down to a reasonable amount and then did the 0% balance transfer factoring in a payment rate I could afford. I'd note it did have a fee, but the fee was less than what I would have paid in interest over the remaining year. Did that a couple times to get them both paid off, but I also had savings.
I’m 60 years old looking to diversify part of my savings say $250k into real estate but I hear it is not a good time to invest in Real estate. Can i get any idea on other options?
@@basconevinnie647 The markets have been interestingly crazy I cleared a $350,000 mortgage in 5 months literally from my stocks portfolio. But it's sad that whenever something big goes wrong, a lot of people panic and hold on to money that should be working for them. Having monitored my portfolio performance return huge six figures from the last 2 quarters, I have learned why the market will remain a money den for those who know where to look.
@@basconevinnie647 I have my funds well diversified by using trade signals from my investment advisor Karen Marie Emma a US registered CFA who you might have heard about or seen in the CNBC news and tbh it's been a huge relief. Highly diversified portfolio, mind blowing earnings and little to no engagement at all on my part.
Found your channel while watching a channel my granddaughter likes….Your voice is so calming and I can feel the peace that you have. I’m 52 and really trying to find mine. ❤🙏🏽 Best in health.
happy for your decision. A few things I want to call out is, it's not the seller fault to sell something and no one force anyone to buy. Just because something is a brandname and you have to buy. It is the buyer's mental state and how to control it. Second, if no one is working hard to develop technology like computer, smart phones or internet, how are we able to look at your videos online? Also, big decision is to have kids or not. If you decide to have kids, where do you want them to get education and be successful like you? Third is living somewhere, yes it could be more affordable, what about the local culture, neighbors, sanitation, safety and if you have emergency for medical needs, do you trust the local medical services? It's all nice to look at the cost of living alone, however, if you are living there long term, need to do more research. Of course, most people want to do something they enjoy and get paid + decent livestyle. How many will make it. Amen.
Thanks for another inspirational video. I'm a sucker for instant gratification and I have wasted SO MUCH money on food and knick-knacks. Investing is scary and it is an unknown territory to me, and yes, why didn't they teach this stuff at school?? You have impressive courage that many people don't, at least not people with Asian background. Having been born and bred in SEA in a middle-class setting myself, I understand the pressure and expectations from family, society, peers very well to have a 'proper job', but you have broken those norms and you've done so well. So, your journey means a little bit extra to me personally, too :).
thank u, you've been so wonderfully supportive of my sharing about this rather personal aspect of my life. I do feel particularly strongly about the fact that i did this against all the typical asian values and assumptions too. I actually really want to get out there and yell from a loudspeaker like, hey boys n girls! if you don't like ur so called "nice life", its ok! u can step out of the mould and we're not all gonna just drop dead and die! There's so much fear and myths against breaking the Asian mould but personally i also know so many people who are just so unhappy in the mould and its sad. I am very proud generally of Asian ethos and Asian values n how we are generally as people. But i do think the entire group as a whole can do with more personal fulfilment and less "fear" stemming from conservative perspectives. And anyway, don't say "wasted money" lah.... after all, you did enjoy those life moments with the food and knick knacks! So its not all for naught per se haha u have nice memories! but u can make different value judgments from hereon out if u want something different for the end result i guess :)
Watching this video, it's look like reading a book by luke burgis "wanting, the power of mimetic desire in everyday life". It explains why so many people dedicate their lives to achieving things that make them miserable. This might sound crazy, but an unseen force is pushing you towards empty and unfulfilling goals.
Thankyou Jean,i am 41 years old and start my own bussines as an english teacher and has school..hope i can meet you in bali .i lived in bali for 4 years.and august will going there a week.because you are very inspiring me..thankyou.
Thank you for telling your story. I found it interesting. As far as education on how the rest of us can do it, I find it doesn't work when you say just work great paying jobs and do things smart. That's easier said than done. If you're smart enough to think of something that makes you money, that doesn't mean the person next to you can. That's where the rest of us suffer and why we can't do what you do.
I can't believe I found this comment as this is my exact thought. I truly feel all of these advices are nearly worthless for people with health issues, physical and mental. You need money to make money. Ill people cannot work to make money. Mentally ill people, especially those with social anxiety disorder, struggle to even get a job. Job interviews are a nausea inducing and suffocating nightmare. If you do get the job you're fired a month later because you just stop functioning around people in the work environment. These things are beyond comprehension for normal people.
Sooooo good Jean! What a great breakdown! Loved this. I've been seeing your videos popup on youtube here in bali and it was awesome to hear your story. I am 36 and right behind you I think! Katrin is 28 and is basically going to make both of us look like we weren't even trying haha.
Inspiring 🎉 We have been thinking about retiring early as family. However, with two kids, good education in Indonesia cost a lot. We have 10 years plan to save the money but still any tips on generating side income will be very much appreciated
You just spoke to my life. I made a huge financial mistake when I got employed and I wish I could take back time. Now I have to wait for 7 years to finish my loan.
Was wondering if you could do a video of the living costs, housing prices, daily expenses/bills, health care, weather, local safety, friendliness, visa for Bali, , how to go about with this, etc. Cost of air travel to local regions, is Bali good place to retire for people of 70:yrs. Thank you for all your interesting videos.
Thanks Jean for another really well made & considered vlog, full of heaps of, important & well learnt information & tips. Also for all the added links with heaps more information to help to us all. You & Vitaly are an amazing couple & team, a inspiration to all. Thanks for all your work & time & enjoy your well deserved, idyllic life 💯🙏
Thank u La, I’m really glad that what I shared is helpful to you. It’s a bit personal so I hesitated for a long time to do this, but hearing u say this makes me happy I did now
@@JeanVoronkova Jean, you have done other excellent ones as well, that have been probably even more personal, than this one, in my opinion. That is one of the things that make your vlogs, so good. You are so open & honest & share so much excellent information that the two of you have learnt from time & hard learnt experience & are good enough to share it all, to help others. Keep up the great work, please!!
Jean your story is so incredibly inspiring! I'm so happy to find your channel and start making smarter life choices towards a truly peaceful and rewarding lifestyle.
Well that would be impossible to do considering I'm in my late 50s and I'm more interested in investments that could set me up for retirement in my 60s, my goal is at least $2million.
Interesting. I have a lump sum doing absolutely nothing at all in my bank account, I wanna get something started with it. You seem to be doing excellent for yourself, how do you achieve this?
@Dwayne Wright That's impressive. Are you giving her your money or the money stays in your trading account? What's really the idea behind copying trades.
1:19 Thank you for sharing your beautiful journey in Vietnam with us 💕 I’m so proud that our country is a choosen place for so many foreigners to immigrate & retire early, especially in Da Nang, Nha Trang, Phu Quoc, Con Dao.. those beach areas. Namaste.
I personally invest 70% of all income and love a normal life By 28 I was pretty much set People seem to spend more than they earn and don’t think of the figure that’s the real peoblem for most
Hi Jean!! Random person here! I watched the full video and I have to say, first thank you for sharing this kind of information, and second, I miss the first and main concept, at least obvious for me while I was seen your video. It gave me the feeling that the moment you met Vitaly, you was loving yourself much more and you were giving love to another person, so the more love, the more abundance, the more money you got. We don't give so many importance to love when we speak about money, but I think that's another variable in the formula. Lots of love for everyone!!❤
More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
@@mellon-wrigley3 That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?
Izella Annette Anderson is my FA, simply do due diligence . You'd find necessary details online to work with and set up an appointment.
Insightful... I was curious about her, so I looked her up online. I discovered her website, and I must say that she seems knowledgeable. I sent her an email outlining my goals. I appreciate you sharing.
Most people don’t realise it, but the secret to retiring comfortably is finding a way to make returns while your money works for you. My dad, as I remember, started saving for retirement quite late, but I know he was making more than 10k returns from his investment monthly and it was completely passive.
This is really amazing though. I'm curious as to how he did it. Was it real estate? Or he was a market enthusiast?
Not really. Approximately four years before to my dad's retirement, our family was introduced to a financial advisor. That was the catalyst for the transformation. I believe my retirement income would be on the right track because I've been using the same advisor.
I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I'm hesitant to make recommendations like this online so I can't drop her contact here, but you could look her up yourself and contact her if you wish. Her name is Sharon Lynne Hart.
This is amazing. I have great admiration for people who retire early.
Success is not built on success. It's built on failure, It's built on fraustration. it's built on fear that you have to overcome. I pray that anyone who reads this will be successful in life
Investing in Bitcoin is the best investment any one should think of doing, because it has made a lot of people millionaires. For sure, every investor will be successful in life
Because of the economic crisis and the rate unemployment, now is the best time to invest in Crypto and make money 💯. But you have to invest with the right broker
Amen! 🙏 But I have incurred so much losses trading on my own....I trade well on demo but I think the real market is manipulated.... Can anyone help me out or at least tell me what I'm doing wrong?
Same here, My portfolio has been going down the drain while I try trading,l just don't know what I do wrong
Trading with an expert is the best strategy for newbies and busy investors who have little or no time to monitor trade
"The instant gratification of those purchases, is it worth delaying your dream life by hours, days, even years?" most important words you have said in this video.
🤓 stuff we all need to think about
seriously the best way that has ever been said to me in my entire life
Lamborghini and beach condo, sure worthy of purchases. The reason is -- some purchases contribute presently to a present dream life. Instead of delaying, it's actually advancing the dream life.
Thank you. Just what I needed to watch. My hubby and I are directors of our farm business and own property, plus small pensions. I am nearly 52, hubby is 55. We have started to save to retire from the farm, and possibly live on rental income, I'd really appreciate you go LIVE and talk about how to earn passive income online and retire comfortably, let’s say $1M.
consider financial planning.
I totally agree, I'm 60 and newly retired with about 1.2 million outside retirement funds, no debt, and very small dollars in retirement funds compared to my portfolio balance over the past 3 years till date. tbh, the role of the invt-advisor can only be overlooked, not denied. just have to do your research in finding a reputable one.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’AILEEN GERTRUDE TIPPY” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
If you have 1 million, you can put your money into a high-yield savings account (5%) and live off the interest in a cheaper country like Bali or Thailand (forever).
I didn't become financially independent until I was in my late 30's, and I'm still in my 30's. In addition to having purchased my second home and earning money on a monthly basis through passive income, I've also achieved three out of five goals. I just hope this inspires someone to realize that it doesn't matter if you don't have any of these things yet, you can start today no matter your age. Change your future by investing! I made a rather big decision by investing in the financial market.
I agree with you and I believe that the secret to financial stability is having the right investment ideas to enable you earn more money, I don’t know who agrees with me but either way I recommend either real estate or bitcoin and stocks.
I keep wondering how people earn money in financial markets, i tried trading on my own made a huge loss and now I'm scared of investing more.
@@divlweb Understanding your financial needs and making effective decisions is very essential. If I could advise you, you should seek the help of a financial advisor. For the record, working with one has been the best for my finances...
I’m Glad i stumbled on this. Please, if its not too much of a hassle for you, can you drop the details of the expertise that assisted you and how to get in touch….
@@divlweb I get guidance from *Susan Tori Davis* Most likely, the internet should have her basic info..
Thank you Jean for your candor and openness. I admire the job you're doing to help individuals live more meaningful lives. It's motivational. After more than 12 years as a registered nurse, I decided to retire two years ago.
You're correct, ma'am. Were you a bedside nurse and how did you plan yourself before leaving?
@@andrianaisabella4309 I prepared for early retirement while still in the service, earning roughly $2k from my investment portfolio while attempting to establish more side hustles and extra income
Wow that's impressive! Speaking of investing I have heard about this but I don't really know how to start and make a good investment. Share more info please
There are numerous investment alternatives available including real estate, exchange-traded funds (ETFs), stocks, crypto but my best advice get a professional lead you into profitable one
On this, I absolutely agree with you. Having a financial professional is a great idea if you are interested in investing right now. I can't only hope to earn more money at my 9-5 job; everyone else should as well
A minimalist lifestyle is key, and probably sans kids. Most people I know (myself included) have big cars, big houses, big families and big debts. And it’s a never ending treadmill leading to a heart attack.
I think sans kids is the biggest thing here. You can cut off cars, houses, luxury, etc- but if you have a child/children, you will want to give them the best things you can, including education.
ILOVE PEOPLE GIVING ADVICE WITHOUT HAVING LIKE 2-3 KIDS TO RAISE LOL
And also having good health helps.
Your choices though. Enjoy what you have
@@anastasiab9506That's on you that you are brainwashed! I went back to get a degree in my 30s and that was almost 20 years ago. They don't encourage students to think for themselves. Get out of the Matrix.
Blown away by how truthful you are and showing how realistic you have to be to attain your lifestyle. It’s glamorized so much that we end up thinking it’s just easy. You’re the first person who told me the real truth and I’ve been on this journey of wanting to quit for some time now. Now I get to make a more informed decision. Thank you so so much Jean! ❤
hi dear, thank you for this kind note. I'm lucky that after 10 years we got to where we wanted to be and it all worked out. On this path i've met many others like me, for whom quitting and going alternative has worked out - just it also took them years to work things out. Be brave and proceed wisely!
@@JeanVoronkovaI am past 40 and closer to 50 I feel I missed the boat. Corporate America is draining and filled with stress.
Corporate America promotes a toxic lifestyle.
This is my fifth year after retirement. I’e been following the 4% rule thing I saw on a youTube channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get really worried.
Not a lot of people are able to save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
I’m closing in on retirement, too, and I have benefitted so much from using a financial advisor. I didn’t start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in more profit than some of my peers who had been investing for many years.
I really need help, please. Can I ask who the financial advisor you work with is?
Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.
Hi Jean, I wish I had heard this lesson 20 or 30 years ago. I’ve spent my whole adult life caught in the rat race. I admire your courage as a couple to make these life changes. Here in Canada we are taught and encouraged to live to work, a process installed by big businesses many years ago. People like Tim Ferris and Robert Kiyosaki have helped to let a new generation understand there is another way. I give thier books to young people I think will be receptive to such a change. Thank you for sharing your experience, tips and concepts. Please keep it up. One related lesson I’ve learned is to find a partner who shares this desire for a different lifestyle and getting out of the rat race.
Steve (66yrs) Manitoba Canada
Hello Steve, I am glad to hear your stories. I'm currently applying for a student visa from IRCC, which hopefully can help me get a PR afterward. On the other hand, I am also worried about the high living expenses in Vancouver, BC - trying to rent or buy an apartment, working in a company to get local work experience to be eligible for citizenship(I am an entrepreneur and have run my own business for 8 years ), and all that kinds of things. After reading your comments, I realize that why would I put myself into that rat race?! I am still happy to go to Canada to attend school because it will help scale up my business, but I think I will not care about PR as much as I used to. Thank you for your sharing!
Hi Steve, thank you for your kind note and that personal sharing. I completely agree. With the right partner, we become something greater than just two people put together - that idea of 1+1 becoming more than 2 I guess haha. That’s my experience w V, I’ve been very blessed in that regard. Think you prob have one too! Canada is a wonderful place to live if one is financially comfortable there, I hope you enjoy your life outside the rat race there!
@@JeanVoronkova aloot rusian and ukrain :)) have income :) nobody ask where its this have this in waleet right :)? look dubai thsi evrywere its rusian ur ukrain citizen strange my dear i hope you grow your chanelll youtube and wealthy honest income your perfect charisma for this vlogger style life
Well when u have kids all of her advices are worthless..
@Mmmmm you are offened because of truth and because she's doing better than you. stop
I lived in Singapore for 15 years and I realised that its not the place for me to start a family, living simply and retire. So I decided to quit my 9-5 job and went back to my small hometown and helped with my family business. After watching this video im more certain that I’ve made the right decision to leave my 9-5 job in Singapore. Now Im living simply, free from luxury and temptation, I also have more time to spend with my family and most importantly Im able to pursue many hobbies. Namaste!
GREAT, where do you live now?
INDIA?
@@sakshambansal7383 Sumatra Island of Indonesia. Things are affordable and low cost of living here. And most importantly I dont feel being chased by time.
@@Dii86 great, I am planning to study abroad which includes spending a lot of money. Should I try moving to places like Indonesia first if there are opportunities to work?
yeah i live sometimes at northern sumatra too, its really peaceful there,
I like the tone of your voice, your ease in front of camera, your attitudes, and yours politeness, Jean. 😀
thank you Abbie dear! hope you're having a lovely weekend!
@@JeanVoronkova Plus, you are so cultured, well-educated and one of the only people who replies to me, too. Well-done!
I'm 42, sad to say I made terrible money decisions growing up, which I was previously paying for, but thank God that I now have the opportunity to focus on my personal financial needs. Currently, I'm devoting every waking moment to my retirement, and I'd really like to retire to Bali with at least $2 million, but the market's up and down isn't helping.
4% rule… only < $2000/mo is needed in Bali. That’s $600K for Bali. I know ppl with just two rental houses… retired in places like Costa Rica.
I'm Indonesian, don't retire in Bali. Don't buy the lies from these influencers. Even I don't want to retire in Bali 😂 I'd rather have millions and travel to Bali during my retirement but never retire there.
You are still young. It’s not too late to turn our finances around..
Am around your age and I plan to retire in 4 yrs time. Still not too late. Pick up knowledge to set up a few income streams. 5 years is a gd time than never.
@@fireeye33 Depends on individual.Asians always find it weird that Caucasians prefer to settle to somewhere like Asia. Most told me they prefer tropical instead of having 4 seasons, not to mention typhoons. Some ppl just prefer staying near the beach, countryside, rural instead of cities. I myself prefer staying near the beach.
I quit law in April. Best decision of my life. Thanks for sharing, Jean!🔥
haha all ex-lawyers can get together and form a club i say! glad you're happy about it :) well done on the brave move
@@JeanVoronkova 🧡
Hi
What are you doing now after quitting law? Why did you quit? I'm a lawyer too...
@@JeanVoronkovayeah brave move.
I am 52, have passive income of over 30k/mo. Still don't have the gut to do it. 🙏
Good to hear it is working out for you. I also retired at 38 with plenty of savings and a business plan... in fact the groundwork in place. Enjoyed it for a while but turned out it is easier to enjoy life on a salary. Plus I fell back in love with the daily routine of 9-5. I look forward to putting on my suit now. Hope your retirement stays on course.
haha its good to try out different things in life and the experiences teaches you what truly is your cup of tea. Glad you have found what makes you happy, even if it means a u turn back to the good ole 9-5! we r retired but still actively pursuing our interests, money-generative or otherwise. It's been almost a decade of a non-9-5 life now. I'm never turning back i can safely say.
@@JeanVoronkova True, my FIRE story helped me discover what genuinely drives me personally. The main takeaway from my 4 years in early retirement was that you do not actually retire. You got to work either way, sometimes even more. Moreover, the allure of your interest that drove you to early retirement can fade away once it becomes your new job.
I also discovered that you do not need to quit your job to be creative or do something fulfilling. An overall positive attitude is what is needed no matter what you are doing and opportunities come your way. Alternately, you do not become automatically happy once you retire early. Good and bad days are part of your life...you cannot eliminate them.
Last but not least - never say never :)
It seems that many want to retire without working before retirement 😂😂😂. Studying until mid 30 and retiring with 38 is nice but what is going on when you are 70 years old? Life is easy and beautiful when you're young but when you pass the 60 you have still 30 years of life ahead and it can be long without money. Look how many westerners are moving to SEA because they can't afford to live in their home country.
Well done Jean. You’re an example for a lot of us that search for happiness but set unrealistic targets for being happy.
thank you Ronald, i got lucky in life in that i realised early on what my likes and dislikes and what i truly want out of life....
Thanks for sharing your story Jean. My wife and I have been in the s&p500, both through my TSP and through Fidelity in her 401k. Until 3 years ago, we were 100% in the s&p for over 12 years. Cashed in $300k from the S&P and invested with a full service CFA. We currently have $1.2million in out tax deferred savings, no children. I retired last year at 49 and my wife will retire next year. I can say we're doing just fine.
This is cool. I was wondering if investing in a cumulative ETF during this next decade is a sound investment. Or is it better to invest in a distributing ETF (even considering taxes)?
@@George-hl7jf My funds are pretty much diversified. You should probably try algorithmic trading; copy the gurus, more so one with experience of the past bear markets. I copy a chartered financial analyst Josephine Guevara Laporte. Been quite consistent. My portfolio returned approximately 21% in the last quarter.
Hi I'm already in retirement and have like $700,000 in a CD account with a very low interest. I only need $30,000 for liquidity purposes(emergency fund) and plan on growing the bulk to over a million. I found Josephine Laporte's official website after looking up her name. Quite impressed at her portfolio and I want to schedule a call with her. What's the fee structure?
@@theexpendables3152 Since it's an algo trading based model, it's very much transparent because you can actually see what assets you have and how much growth your portfolio has achieved. Josephine takes 10% of only the profits, no hidden fees.
@@profderek8111 A 10% of profit is fair. I've just dropped a message from the website. I find it better to pay a little bit more for peace of mind than worry about market trends and still get burned. Thank you.
Delayed gratification is key to reaching your financial goals early! Thanks for sharing your story Jean.
Most Americans find it hard to retire comfortably amid economy downtrend. Some have close to nothing going into retirement, my question is, will you pay off mortgage as a near-retiree, or spread money for cashflow, to afford lifestyle after retirement?
as most investing-related questions, the answer is, it depends.. my best suggestion is to consider advisory management
Agreed, the role of advisors can only be overlooked, but not denied. I remember in early 2020, during covid-outbreak, my portfolio worth around 300k took a slight fall, apparently due to the pandemic crash, at once I consulted an advisor in order to avoid panic-selling. As of today, my account has yielded big fat yields, and leverages on 7-figure, only cos I delegate my excesses right.
this is huge! mind if I look up the advisr that guides you please? only invest in my 401k through my employer for now, but enthused about diversifying my investments for a prosperous financial future
'Vivian Carol Gioia' is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
I like this ladies personality I can tell she’s a good person ❤️
thank you Darian! that's kind
Our human capacity is too large to live a regimented segmented life. We are not here to shop but to figure out the power that is in an atom and "is" us. We can do that only by listening to our hearts. Can be scary but nothing was ever achieved without courage. Good on you Jean.
Rare to find this level of honesty from expat creators.
For some reason I'm captured by your channel, great stuff!
Thank u Zac appreciate this kind note 😄🤓
I love this my wife and I are in process of doing this after raising 3 boys. So thank you.
all the best! u deserve a great retirement after raising 3 boys!
Thank you for taking time to do this video! You have a very calming voice😊 I learned a lot from watching this.
Well done Jean. Congratulations!
I wish you and your husband a very long life to enjoy all the things that you love in the world.
Fernando
Excellent video with excellent information! The presentation is amazing! Thanks, and I always look forward to your videos.
Stoked that you think so, thank u so much Bruce
You’re such an inspiration. I find your energy so calming and you fill me with a sense of hope for the future, something that has been hard for me recently.
Hi Jean, it’s amazing how you have grown since you are that young girl during our NZ trip. Totally agree with you and life philosophy! I had somewhat similar plans pre-covid, albeit different destination. And now, I am tweaking my plans and watching the geo-political situation before the next move. Meanwhile, doing the same back here now. Take care and super happy you are where you are now! 🙂
Feels like hypnosis / guided meditation would be another avenue you would do extremely well in, help people quit smoking, de-stress, anxiety relief and courses are short term and relatively affordable. I don’t think you need advice I just find your voice quite soothing, thank you for sharing this, I’m sure you’ll help so many people!
jean! this video came to me at the perfect time. i like my industry (data science) but i want to do it freelance while living in vietnam, not in a rigid and bureaucratic corporate setting. hearing your transition from big law to freelance has inspired me.
hey! I'm glad you have that take away from my videos! that's wonderful! Dare to dream. Seriously I had so much pain struggling to exist outside of my legal training and work experience but i carved a new path for myself eventually luckily. And no regrets leaving that corporate environment yeah. Vietnam's wonderful we lived there for many years (me 8 V 12) - you'll love it i'm sure. All the best
A reminder I needed. Everything doesn't need to happen right now. Patience and release.
Yep, definitely, it’ll all happen when it’s the right time!
Jean, once again you've hit the nail on the head with your spiritual yet practical insight on how to live a TRUE quality of life. Real freedom is the ability to have choice, as the universe lives within us with infinite possibilities. Simplicity is truly luxury, and having the passive income to make better life choices is true wealth!
Very strong statement "the universe lives within us with infinite possibilities"
i love this comment from you, thank you so much for sharing. Couldn't agree more with every bit of it. True wealth is the ability to choose free from fear and money influences.
Spiritual?…just advice about doing a job you enjoy. This is common sense, nothing in the least bit spiritual about it!
Thank you for sharing what's worked for you out of the genuine goodness of your heart. So often, people keep within the things that helped them, while forgetting teachers and sharing your wisdom with others help the world. Thank you for such amazing tips and the resources in the description links below. So helpful and inspiring!
I also quit my job. I worked as HR manager and now trying to live peacefully
Wow you are so full of grace and calm and kindness. I feel calm just listening to you. Thanks for your great tips.
Thank you Jean for that warm, educational and inspiring video - love the combo of good food, Bali beaches and fire living- keep em coming 😃
Thank you A S 😄 I appreciate the kind support 🤗
Now all i have to do is find someone like you!!! I very rarely comment but so many people DONT realize that life is suppose to be lived the way YOU want. I cant wait to eventually travel to southeast asia. all the best!! You truly get it which most people dont
Thanks Jean for your honesty, history and transparency. Enjoying a Simple Life in Bali is a dream concept for anyone that has been there multiple times. Health and happiness are a close second and to be able to surf a must third. At 71 I am afraid to give the third one up but muscle power or lack of it might just dictate who inherits my 4 Longboards. Maybe I should take up Yoga again but hate working out on the floor.
ahh maybe swimming or bodyboard? I love that lots of surfers surf all the way for as long as they can help it though. I will see myself as being blessed if that's how the last stage of my life goes :) Yoga is great for maintenance tho don't dismiss it too quickly! but thank you also Doug for your time every weekend i'm grateful for the support!
This is a thoroughly delightful, low-key but value-packed video, Jean. Thank you.
Jean, 2 questions:
1. can you breakdown your rental property income and how can you afford to own it in only 4 years+ building wealth?
2. how about children, can you continue with your current lifestyle with children or you need to sacrifice by not having one?
That's exactly what I'd like to know too, how many children she is raising. F.I.R.E. is very attractive for a while, but children are one of the greatest sources of happiness. Many people are too late to realise this.
In other words, could this lifestyle be achieved with children?
UA-cam money.
You can't safe shit with a diving school in Vietnam 😂
@@aba7132 many people can do FIRE with children if you research the community. Also, many people find great happiness in not having children as it provides them freedom (childfree often have learnt this and make the choice of freedom/money/opportunities over children).
This lifestyle could not be achieved with children! We got to wait until they turn 18 and get out!
@@mirandaprojections9409 you certainly not a mother. I am pretty sure i never met a 60 year old single and happy.
Hi Jean, your calm, perfect combination of words and kind of “patience” melody of your voice made me take this decision - I’m saving for maybe 3 years, slowly surely, but without any goal, without point in the future. But, happened you were the trigger (will ever blame you!) to change the job first to get more freedom and mental health. Later, retirement to mountains… thank you, I own forever. ❤
I must admire your discipline to be saving without having a specific goal in the first place. That’s pretty cool esp for a young adult. Kudos ✌🏼
@@JeanVoronkova Young? I’m 42, I guess 😀 thank you
You seem to be a lovely, humble and clever person. Well done for achieving your goal and thanks for sharing your story. Enjoy your life in Bali 😊
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Thank You So Much Jean for the Good Advice , especially the part about Enjoy the Journey , not just the destination! Stay Safe & Stay Grateful!
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Love your story! I'm 35,and gonna quit my stable job to pursue my dream abroad. Your sharing really inspired me, I like your ideas very much. We share something in common, I do yoga and financial investment, too~
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life is always smooth going and can take any high-risk decisions when you are single or a couple without kids, Basically you can do wonders anytime anywhere. But the moment you've become a responsible parent everything I mean ,everything starts turning up side down. whatever the decision you gonna make ,you have to think 100 times how it will affect your kids and their future.
But I am happy you've made your decision before you make kids. All the very best for your future.
Thank you for speaking up about alt choices in life
I look ard and see ppl living n walking down a pre planned life or so call good life
And they dun seems to think there are other routes in life
Hope more people can see this msg u are trying to convey
thanks Song, u really are a kindred spirit. Its ok if they are happy in that pre planned life. SG govt is damn good at pre planning our lifes for us hey hahaha.... but the sad thing is if they are actually not happy and feel stuck but fear moving out of the mainstream.
Hi Jean 👋 great video! You have such a great understanding of life, everything you said I fully agree with so it was so refreshing to here your journey. Thanks for sharing ❤
Thanks for paying it forward Jean, I like that you summarize the video with 5 takeaways, very inspiring life story of courage and clarity to achieve your dreams. I haven’t found my target yet. Hopefully one day. There’s plenty of good ideas for me to learn and refine from your takeaways. Another thought provoking high quality video. Looking forward to more!
Thank u Stephen for dropping by! Finding your life goals and targets is in itself a journey that can be both enjoyable and very educational for yourself so I hope you can enjoy that process too :) happy this video msg resonated with u also 🤓🌻
I admire the courage to give up a steady job, and pursue a whole new life in a foreign country! Great advice!
"Most big, deeply satisfying accomplishments in life take at least five years to achieve. This can include building a business, cultivating a loving relationship, writing a book, getting in the best shape of your life, raising a family, and more. Five years is a long time. It is much slower than most of us would like. If you accept the reality of slow progress, you have every reason to take action today. If you resist the reality of slow progress, five years from now you'll simply be five years older and still looking for a shortcut." - James Clear
What actions are you taking on your own path towards financial freedom and early retirement? Or do you not believe at all in minimalism and investment? Share share!
Always a pleasure. I would love to retire and live in Bali or Vietnam. It’s the healthcare insurance that’s blocking my dreams.
Good point
Hi Jean, you might run into somebody my age (66) with a health insurance. He or she might have no problem to share with me the way they have obtained a policy. Thank you so much in advance.
@@ronaldus2505 hi Ronald, i actually have no idea but if i do come across any information on this I'll update u!
Thanks for your great advice I appreciate your calming voice
minimalist lifestyle compounds, awesome! and not a get rich quick mindset, really like it! keep up the good work 🙂
thank you! getting rich quick seems to be a thing percolating through the millenial generation now esp w the rise of crypto awareness..... recent Luna drama caused a lot of heartpain to many of these people i believe...
Jean thank you sommuch for sharing another great video. I am 51 and I am an author and speaker and for the first time in my life feel ready to retire but I have felt so guilty but I am going to go for it this year, I am eternally grateful I found your channel your message has come at the right time :)
I love your journey to freedom. I'm still dreaming about achieving a similar goal. We always think there things stopping us from getting there but as I I can see from your story, it actually takes a moment to realize you just need to take the first step.
First time viewer here, I appreciate your simple and common sense logic, combined with a very soothing and calm voice, have a great day.
Wow you are so brave 👍🏼 and you are absolutely not wrong about your decision.
I’m Indonesian/Java and I love Bali too.
thanks! its not for everyone of course, many ppl think its too slow n boring haha, but i love my own choices!
@@JeanVoronkova I’m quite surprise with your decision normally in Asian culture the parents are very very proud if the children are had a good courier like yourself as a lawyer, but as you said everyone is different as long as you are happy 🙏🏽 but hey with your talent you’re easily get a job in Jakarta 👍🏼 you are a smart girl!👍🏼
I'm moving out of the US as well and doing this exact same thing! I'm considering Bali, Thailand, Panama, Columbia or Mexico.
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Very inspirational indeed! People like us who’s just starting out to live this entrepreneurial needs this - very bad! Thank you Jean!
thank you dear, glad the msg resonated :)
See you in Bali someday!
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Thanks for sharing this, Jean! I’m currently in the exploration phase, trying to figure out what I truly want out of life! It is really hard to separate our own identities and values from others’ and society’s expectations! Unlike you, I haven’t arrived at the answer yet, but your story really inspired me to continue re-evaluating everything I choose to do with my time.
Well i'm also just figuring it out as i go along, i'm just further down the road than you are cos started earlier lah! The world really is our oyster... we just need the confidence to go shape it to what we need it to be. Good luck!
Thanks for the advice, a simple life is key. I lived in Nha Trang for a year earning peanuts as a diver and it was prob the best year of my life!
I watched this for only a few minutes to realize you know EXACTLY what you are talking about - because I came to the same conclusions and now live a similar lifestyle a few years later. YES, I also get asked how could I do it, so many misperceptions. But like you, living in an affordable locale like SE Asia is one key. Giving up my car and house and decades of possessions that didn't make me happy was another. Now I have never been happier with less things and far more experiences, like you put it! Great video - I am sure it will help a lot of people who are ready but don't quite know how to proceed.
Thats inspiring. As for your case, where did you move?
@@ariyanwijaya270 At the moment I am travelling the world going for 100 countries - will finish that by next April - then will decide if I want to go back to Vietnam where I was living before or try a new place - like the Philippines or Thailand.
@@BrianBaileyedtech thats cool
If you have blog or channel let me know, i want to learn from your experience. I wish you all the best and good health in your journey
Great Story Jean! The most important step in life to chasing ANY goal, or living your dream life is knowing specifically what you want, and writing it down clearly and specifically, and then move in that direction!
exactly. So many people get caught up forever in striving for "better".....
2k buks for living in Indonesia is high style living. Almost 30 mil rupiah a month. For comparison, the highest payment minimum (UMR) here is Rp4.8 mil (±$335) which is in Bekasi, west Java.
Dia bayar visa, asuransi internasional, sewa villa juga
Yup, tentu ada biaya extra. Tp ttep 30jt/bln buat hidup di Indonesia itu more than enough
@@thebabayega way more than enough for local mas 😂 kayak gaji manager bank di sini masih di range itu.menarik tapi lihat cara living mereka
@@bunny_kuma nah ini yg menarik, sy belum liat yg gajinya di range ini tp dg lifestyle yg ky mbak Jeane. Slow living+huge payment=berangkat haji 😂
Dia bilang usaha rental, ngerentalin apa ya? Apa mereka punya banyak property di bali?
Hi Jean, just came across your video and is very inspirational. A lot of food for thought and really puts things into perspective. Thanks for sharing your journey. LIVE WHAT YOU LOVE!
hi Andrew, thanks for the note, i'm glad the msg in the video resonated :)
luvely said and I luve the way you talk and express the points. luvelyyy and nizooooooo
Thank u 🌻🤓
Yes! The highest level of liberty lies in being able to choose life, instead of having life choose you. Thanks for sharing and your voice is so gentle!
I will keep watching your other videos! :)
Some of us are lucky enough to have choices in life. Your lifestyle might not be for everyone, some people would miss their job routines, the hustle, being around large families or friend groups. But it's important to be aware that we have other options...well, many people around the world don't, but that's another story. I've worked as a musician for most of my adult life, and generally speaking I've had less security and money than other people, but I enjoy what I do. My kids learned to be financially independent and are following their passions in life. I see a lot of comments about not being able to live the life you want with children, and having to "give their children the best possible opportunities" etc. But I don't believe that has anything to do with making big money. Most kids get a decent education in public schools, and they need parents who are present, loving and consistent, not rich.
Hi, thank you so much for leaving this comment, I really appreciate your note and it resonates deeply with me. I admire your courage to pursue a life in music out of a place of passion, even more so that you have kids. Yes you're right, so many people just automatically write off the idea of pursuing a life that truly resonates with them "cos they have kids, duh" - but on many levels that's really just an excuse. Sure the financial threshold automatically gets higher, but its not unachievable, and like i keep repeating, many people around us here in Bali are here with their children. They just dont YT. And yes, I do think how their kids turn out is not just a matter of education but also how their parents are with them - it's especially clear here when things are so flexible wrt to their education and daily schedules and everything. I think your kids will benefit greatly from your outlook in life. Thank you for sharing your story. I hope more people read this.
@@JeanVoronkova thanks for an inspiring video and your kind response.
Thanks Jean, picking me up reminding me why I’m doing the tough things moving back to my parents at 34 to save to leave the UK
Jean, thank you so much for this video. I need to bookmark it so that I can watch it everyday. The information you share is something that we as hamsters on the wheel need to hear everyday. Thank you again. See you next Saturday.
Thank you Sean, I’m really glad that my sharing made a difference and helps you. It’s all a bit personal n we’re pretty private so it took me a long time to make this video, but now I’m happy I did!
This "life" we are living is a temporary thing. We all "die," or cease to exist in this physical, material plane eventually. Once that time has come, then nothing here will matter anymore to us -- nothing at all . I would say to you that there is most certainly another, higher realm, and that what we are facing here, while challenging, is not something that ultimately "matters" in the way we think of it in our minds.
You just radiate serenity - what an inspiring life you have had. My wife and I are on the same pursuit as what you and Vitaly have achieved. Currently on the growing the courage to quit the societal norm city lifestyle step and save every penny.
All the best, and much love!
Hi Gabriel thanks for the kind note 🤓 actually after posting this I flew to Singapore and I feel like such an odd duck in the midst of this hustle and bustle here! I do think taking your courage in your hands to go against the grain is one of the hardest parts of this journey we’re on perhaps, maybe more than amassing the money, but the good news is that it does get a lot easier down the road (when all the naysayers see that you didn’t just starve to death and keel over 😅) good luck!!
@@JeanVoronkova Haha I’ll keep that in mind, thank you!
Your video cured my anxiety about growing my business, thank you ❤
Great Video, Success is dependent on the actions or steps you take to achieve it. Show me a man who doesn't have an investment, and i will tell you how soon he will go broke. Investment is building a safe heaven for the future. With the right choice of Investment that has at least 1% minimum risk and with an expert guidance, profit and Intrest is 100% guaranteed.
I agree with you. I had a senior colleague at work who was living well but never had an Investment, unfortunately his work was terminated,so he went from living well to surviving with his family.If he had invested when he was still working, he would have had another source of income.
Investing is a prior decision to make for the future. If you are seeing this and don't have an investment, please do make plans to invest so you don't end up like my senior colleague at work.
This made so much sense, just like he said " for one to invest, the person have to consider an appropriate choice of Investment with at least one percent minimum risk , profits margin, a mentor and expertise to guide and help you manage your Investment portfolio.
With the help of Angelina Morris who works with an Investment organisation in England, I have been investing in the Foreign exchange market, Stock, and dividends with her expertise and guidance,she has helped me make huge profit on my Investment portfolio.
@@halasultan6439 Oh its great to see someone who also benefit's from the services of Angelina Morris indeed it's a small world. She is my portfolio manager and mentor too for 2 years and still counting and I have made profit of 123,795 usd from my initial amount of 5100 usd with her managing my portfolio.
Omg how in the world you figure it out so early. This is so wonderful. I love it. I will definitely share this to my young men sons. They are also successful young engineers and I wish them to live a fulfilled lives and hopefully they one day meet that perfect partners with the same visions. Thank you.
‘I am a 53-year-old single with very little savings’: I want to take out a 30-year mortgage, but pay it off in 7 years. Is that possible?
You should look into first-time homebuyer programs in your area. Some allow you to only put 3% or 5% down. Also, some banks are now offering down payment assistance where a certain amount is loaned for the downpayment - then that amount is rolled back into the mortgage. Also, get a 30-year mortgage - but pay it like a 15-year mortgage. You can run an amortization schedule. Add an extra payment to your 30-year payment so that the payment equals what you would pay if the loan were only for 15 years. If there are months when you can't do the extra amount - just pay the 30-year amount.
I think Quentin's advice here is pretty good. I did something like that after the bubble crashed, but it was a completely different situation and far more justifiable. Simply put, I had a couple of high interest second mortgages with lower balances. I used principal payments to get them down to a reasonable amount and then did the 0% balance transfer factoring in a payment rate I could afford. I'd note it did have a fee, but the fee was less than what I would have paid in interest over the remaining year. Did that a couple times to get them both paid off, but I also had savings.
I’m 60 years old looking to diversify part of my savings say $250k into real estate but I hear it is not a good time to invest in Real estate. Can i get any idea on other options?
@@basconevinnie647 The markets have been interestingly crazy I cleared a $350,000 mortgage in 5 months literally from my stocks portfolio. But it's sad that whenever something big goes wrong, a lot of people panic and hold on to money that should be working for them. Having monitored my portfolio performance return huge six figures from the last 2 quarters, I have learned why the market will remain a money den for those who know where to look.
@@basconevinnie647 I have my funds well diversified by using trade signals from my investment advisor Karen Marie Emma a US registered CFA who you might have heard about or seen in the CNBC news and tbh it's been a huge relief. Highly diversified portfolio, mind blowing earnings and little to no engagement at all on my part.
0:55 that is absolutely the case. But great editing skills, you deserve this lifestyle.
So much clear and powerful information in one video, and it was extremely well planned and meaningful. So grateful for this 👏👏🙂🙂
thanks @Dreamy*wink :) glad the video msg resonated!
Found your channel while watching a channel my granddaughter likes….Your voice is so calming and I can feel the peace that you have. I’m 52 and really trying to find mine. ❤🙏🏽 Best in health.
happy for your decision. A few things I want to call out is, it's not the seller fault to sell something and no one force anyone to buy. Just because something is a brandname and you have to buy. It is the buyer's mental state and how to control it. Second, if no one is working hard to develop technology like computer, smart phones or internet, how are we able to look at your videos online? Also, big decision is to have kids or not. If you decide to have kids, where do you want them to get education and be successful like you? Third is living somewhere, yes it could be more affordable, what about the local culture, neighbors, sanitation, safety and if you have emergency for medical needs, do you trust the local medical services? It's all nice to look at the cost of living alone, however, if you are living there long term, need to do more research. Of course, most people want to do something they enjoy and get paid + decent livestyle. How many will make it. Amen.
Thanks for another inspirational video. I'm a sucker for instant gratification and I have wasted SO MUCH money on food and knick-knacks. Investing is scary and it is an unknown territory to me, and yes, why didn't they teach this stuff at school??
You have impressive courage that many people don't, at least not people with Asian background. Having been born and bred in SEA in a middle-class setting myself, I understand the pressure and expectations from family, society, peers very well to have a 'proper job', but you have broken those norms and you've done so well. So, your journey means a little bit extra to me personally, too :).
thank u, you've been so wonderfully supportive of my sharing about this rather personal aspect of my life. I do feel particularly strongly about the fact that i did this against all the typical asian values and assumptions too. I actually really want to get out there and yell from a loudspeaker like, hey boys n girls! if you don't like ur so called "nice life", its ok! u can step out of the mould and we're not all gonna just drop dead and die! There's so much fear and myths against breaking the Asian mould but personally i also know so many people who are just so unhappy in the mould and its sad. I am very proud generally of Asian ethos and Asian values n how we are generally as people. But i do think the entire group as a whole can do with more personal fulfilment and less "fear" stemming from conservative perspectives. And anyway, don't say "wasted money" lah.... after all, you did enjoy those life moments with the food and knick knacks! So its not all for naught per se haha u have nice memories! but u can make different value judgments from hereon out if u want something different for the end result i guess :)
Thanks!
Watching this video, it's look like reading a book by luke burgis "wanting, the power of mimetic desire in everyday life". It explains why so many people dedicate their lives to achieving things that make them miserable. This might sound crazy, but an unseen force is pushing you towards empty and unfulfilling goals.
Thanks.. alot of deception.. 🤔 if God is for us who can be against us..
Thankyou Jean,i am 41 years old and start my own bussines as an english teacher and has school..hope i can meet you in bali .i lived in bali for 4 years.and august will going there a week.because you are very inspiring me..thankyou.
Thank you for telling your story. I found it interesting. As far as education on how the rest of us can do it, I find it doesn't work when you say just work great paying jobs and do things smart. That's easier said than done. If you're smart enough to think of something that makes you money, that doesn't mean the person next to you can. That's where the rest of us suffer and why we can't do what you do.
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My social anxiety is the great obstacle that makes everything so far out of reach. I realized that confidence is they key to success in any endeavor.
I can't believe I found this comment as this is my exact thought. I truly feel all of these advices are nearly worthless for people with health issues, physical and mental. You need money to make money. Ill people cannot work to make money. Mentally ill people, especially those with social anxiety disorder, struggle to even get a job. Job interviews are a nausea inducing and suffocating nightmare. If you do get the job you're fired a month later because you just stop functioning around people in the work environment. These things are beyond comprehension for normal people.
Sooooo good Jean! What a great breakdown! Loved this. I've been seeing your videos popup on youtube here in bali and it was awesome to hear your story. I am 36 and right behind you I think! Katrin is 28 and is basically going to make both of us look like we weren't even trying haha.
haha thanks Timcophoto! I'm glad the video resonated with you guys :)
Thank you for sharing some good pieces of advice. Bonus with a relaxed calm voice that makes it a delight to hear for
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Inspiring 🎉 We have been thinking about retiring early as family. However, with two kids, good education in Indonesia cost a lot. We have 10 years plan to save the money but still any tips on generating side income will be very much appreciated
You just spoke to my life. I made a huge financial mistake when I got employed and I wish I could take back time. Now I have to wait for 7 years to finish my loan.
💪💪
Was wondering if you could do a video of the living costs, housing prices, daily expenses/bills, health care, weather, local safety, friendliness, visa for Bali, , how to go about with this, etc. Cost of air travel to local regions, is Bali good place to retire for people of 70:yrs. Thank you for all your interesting videos.
Thanks Jean for another really well made & considered vlog, full of heaps of, important & well learnt information & tips. Also for all the added links with heaps more information to help to us all. You & Vitaly are an amazing couple & team, a inspiration to all. Thanks for all your work & time & enjoy your well deserved, idyllic life 💯🙏
Thank u La, I’m really glad that what I shared is helpful to you. It’s a bit personal so I hesitated for a long time to do this, but hearing u say this makes me happy I did now
@@JeanVoronkova Jean, you have done other excellent ones as well, that have been probably even more personal, than this one, in my opinion. That is one of the things that make your vlogs, so good. You are so open & honest & share so much excellent information that the two of you have learnt from time & hard learnt experience & are good enough to share it all, to help others. Keep up the great work, please!!
Jean your story is so incredibly inspiring! I'm so happy to find your channel and start making smarter life choices towards a truly peaceful and rewarding lifestyle.
Thank you so much for the kind note, I'm happy the videos resonate with you 🌻
Well that would be impossible to do considering I'm in my late 50s and I'm more interested in investments that could set me up for retirement in my 60s, my goal is at least $2million.
Investing in stocks is a good idea, a good trading system would put you through many days of success.
It is possible to produce superior performance provided you do something different from the majority. However most of us tend to pay more
Interesting. I have a lump sum doing absolutely nothing at all in my bank account, I wanna get something started with it. You seem to be doing excellent for yourself, how do you achieve this?
@Dwayne Wright Hello Do you trade on your own?
@Dwayne Wright That's impressive. Are you giving her your money or the money stays in your trading account? What's really the idea behind copying trades.
1:19 Thank you for sharing your beautiful journey in Vietnam with us 💕 I’m so proud that our country is a choosen place for so many foreigners to immigrate & retire early, especially in Da Nang, Nha Trang, Phu Quoc, Con Dao.. those beach areas. Namaste.
thanks! we lived in Vietnam for 8 years and actually did good business there, fantastic country! but actually we are retired now in Bali.
Very inspiring Jean! Cheers from Serpong, Indonesia.
Thanks for watching Wady! Glad to know the video resonated with you :)
Bro your voice is just immaculate 😳 and soothing best for ASMR
I personally invest 70% of all income and love a normal life
By 28 I was pretty much set
People seem to spend more than they earn and don’t think of the figure that’s the real peoblem for most
Hi Jean!! Random person here! I watched the full video and I have to say, first thank you for sharing this kind of information, and second, I miss the first and main concept, at least obvious for me while I was seen your video. It gave me the feeling that the moment you met Vitaly, you was loving yourself much more and you were giving love to another person, so the more love, the more abundance, the more money you got. We don't give so many importance to love when we speak about money, but I think that's another variable in the formula. Lots of love for everyone!!❤