▸▸▸ www.365daystofire.com/ Enrollment is now open for our 365 Days to F.I.R.E. Program for 2025 Sign up and get: ◼ Completed F.I.R.E. Plan, Stock Investing Plan, Real Estate Investing Plan, etc. by the end of program ◼ Daily F.I.R.E. Actions ◼ Monthly Live Q&As ◼ Small Accountability Groups ◼ Quarterly Book Club ◼ 3 Meet-ups in Portugal, including a 2-Day Conference with us in Porto! ◼ Private Facebook group ◼ Lifetime access to daily tasks, recorded live Q&As, recorded book club meetings, Facebook group, and resources ◼ Discounted future meetups as 365 Days to F.I.R.E. program alumni ◼ And more! To learn more and enroll NOW, go to: www.365daystofire.com/
I'm 21 and currently have 74k in a brokerage account and 18.5k in a Roth IRA. And a $10k emergency fund. Trying to get into an electrician apprenticeship and then I can invest more and more!
I'm 57 years old - I've been doing most of your 30 steps all of my adult life - and believe me - IT WORKS! I'm going to retire this year. Just want to point out - in calculating your FIRE number - make certain you put entertainment / travel in there also - not just basic expenses. OH - and do NOT forget health insurance. Maybe you covered that in previous videos. I think for younger people (and even people as old or older than me) - you give rock hard solid advice. Thanks for all you do!
I found this family a few years ago. Then we bought a house and had another child. Now I'm circling back as a 40+ year old man. I hope to be in your shoes at 57. Congrats!
I'm 53 years old, a middle school teacher, and your advice has resonated with me more than ANY of the experts out here, and I've watched them all! You have helped me understand investing, and become comfortable with investing. Just recently I purchased my first Index Fund and first ETF Fund in my whole life! You have truly changed the trajectory of my life by empowering me with the knowledge I needed to take action! You guys are changing soooo many lives! I love watching the both of you and your family. God is with you! Keep Shining!
You both, Dave Ramsey, Remi Sethi, Choose FI, Afford Anything, and JL Collins changed my life. I am in a better financial position now then even a year ago. And yes, I go back to your old videos again and again for reminders, reassurance, clarity, and motivation. In my opinion, you are the most influential couple on UA-cam. You are personable and knowledgeable AND explain things in a way that make sense. Thank you for all that you do!
Switched from Tmobile to Mint mobile, slashed my annual bill from 1500 to 600. Funneling that money to my investments. Best move I've ever done for my family, and it's through your channel. Thank you.
At 12:35, "...because you can't have wealth without having health." This is so true once you truly understand how your personal health affects EVERYTHING in your life.
“Day 30: Give back” is why I love this channel ❤️. So easy to get wrapped up in doing what’s right for you and forgetting about helping others. (For the challenge, my only quibble is waiting until Day 25 to create a budget. No FIRE number and no FIRE without a budget!). Great video, as always. Enjoy your glamping!
I’m retired (worked 40 years, mostly for government agencies) but am enjoying your channel for good ideas on how to keep growing life enjoyment and prosperity. Great channel, thanks.
I am Portuguese and proud you choose Portugal to live in. Thank you for those advices, this kind of information should be teached in school. Cheers and keep up the good work.
It seems really hard to find the right balance of higher level guidance AND details here on YT. Happy to say they have it - I initially came for the Portugal material, but stayed for the finance material. thank you for the good information. I am in my 50's and need to get my act together so I can retire safely and make sure my wife is set.
Ah, my Fairy God Relatives. The gift that keeps on giving. I binge- watched your videos on UA-cam yesterday. Love, love, love the transparency and useful information. Can't get enough. Thank you for all your blessings. And Blessings on Blessings to you. You are truly amazing people!
Wow, thank you so much for the kind words!!! So happy to hear you're enjoying our videos AND rewatching them AND commenting on them! Thank you so much!!!
Your family is just beautiful! Thank you for all of your videos. I didn't think retiring early was a possibility unless someone was rolling in the dough. Thanks to your channel, I'll be retiring in 4-5 years (figuring that out this weekend). I'm currently 35. If I had known this was a possibility long ago, I could have already retired.
Thank you guys. Very valuable advices. I found you just recently, but I want to say I did all these (or similar) steps about 2 years ago after I realized I was tired to live from paycheck to paycheck. And I can say to people who wants to start. Definitely do them. It works. I also want to tell people who are 50+, please do not get discouraged. I am a single mom of 2, who never even had a savings account. At 52, I did all those steps, simplifying my life, getting rid of debt, at 53 I opened saving, investing and ira accounts with my tax return money, and now at 54, I have about 20000 combined in all those accounts because for the whole year I was saving every penny (including all money government was giving in 2020), and I still have one of my kids living with me. So, It is possible. Now, I am so obsessed with investing. I am just upset I never thought about it for the previos 50 yrs. I always thought I did not have enough to save, but it is not true. All it takes, A FEW DOLLARS AND COMMITMENT. Yes, I will not retire early, but I want to retire comfortably at 62 and travel the world.
I had stopped watching for a while to grow some stuff (family, mindset, channel), but really I thought, man, they're off to live now. Look at you guys still pouring into us, thank you🙏🏼🤗💥
Hi beautiful family I am catching up on all your videos. My husband and I lived in Abu Dhabi for 7 years, came back in our late 50s after CoVID shut down the country and now getting as much information to retire and looking at various countries. Your information is awesome and very much appreciated!
Thank you ORJ fam! Day 29 of the journey complete today. I am looking forward to Day 30! This has been so good. I am grateful for your wisdom. I am ready to FIRE! 😄
📈Looking to learn how to invest? Enroll in our Stock Market Investing Course: www.ourrichjourney.com/investingforfire 🔥Learn more about financial independence and retiring early: Enroll in our F.I.R.E. Master Class: www.ourrichjourney.com/firemasterclass ✈Want to move to Portugal? Enroll in our Moving to Portugal Course: www.ourrichjourney.com/movingtoportugal
Hey guys, Thank you! You guys are such an inspiration! My sister and I our goal is to have 320k in 12 years to buy homes..we have about 800 a month to invest...right now we are only in mutual funds: Fidelity Blue chip Buffalo small cap..Fidelity Blue chip seems to be investing in the same as your investing *(Facebook, google,ect)..what should we do from here....thinking about doing exactly what you guys did though (I know you guys aren't financial advisors, and will not hold you responsible for my decisions, I just need help)
I am on fire journey and in last couple of years (of course because of you) still i love to watch this and realize that i can still improve, thanks guys love from Dubai
Ahhh, my Sunday get together with Amon and Christina!! Such great info for us all. So glad I found you a couple years ago. So appreciate you both, and your girls as well. The most transparent channel out there. You tell the truth, you tell it with grace, and the happy smiling faces we have all grown to love! Ellen update, pools and spa time with her girlfriends, coffee and girl talk. Yup she is retired alright. Lol. I am still up every day at 530, but working towards my Latte time. Love you guys! Be Safe, Be Happy, Be Healthy!! James
Hey there James! I bet Ellen is loving her weekdays even more now!!! :) I'm LOVING the updates! Do you have a "latte time" date for you in mind? Just asking in case we need to start that count down!!! :) See you next Sunday James!!! Always lovely to read your comments!
@@OurRichJourney Hmmm, most likely my Birthday in 4 years. But it could get moved up (PLEASE!!) With some manipulating of funds that we think should work out. We had that talk this weekend. She is insured thru her 65th birthday, I would have to pay for insurance, and our youngest, 21yr old, is still on mine thru work. So, still working. Hi Ho, Hi Ho, its off to work we go.. See you next Sunday
The two of you are wonderful. I have a FIRE buddy and we discuss this 30 day action plan weekly. He asked me a question about Apple and my response was what would Christina say. I channel my inner Christina and my inner Amon. Thank you so much for all that you share.
Too funny Regina!! Channel your inner Amon & Christina - I LOVE it!!! Also, totally love that you have a FIRE buddy! Someone to hold you accountable on your FIRE journey is really helpful!!!
Enjoyed 😊 I found your channel just two weeks ago and have watched whenever l have a chance. My husband and I have married in '81, both in university 20&21 year's old. Instead of student renting we bought our first house close to school and rented out two out of the three bedrooms.By graduation we had our first home paid for and, we bought our second house and had it paid for in eight years. l retired at 40 but my husband continued to work but this is his last year before retirement. We've been muilt millionaire's now for the last ten years,but when we became empty nesters we sold our large house and moved into an uptown lease condo to save money and invested. We winter in Maui each winter except for 20&21 and live a very comfortable carefree lifestyle. We have family and friends as old as we are, still with large mortgages, apparently owning a cottage in Muskoka that you need to take out a six hundred thousand dollars mortgage for, is the thing to do!!😳 Great content and very wise advice!!😊🍁
Thank you guys for donating your time for these great educational videos! They have really helped me on my now much healthier than before, financial journey. My biggest tip that helped me was automation and also, thinking about how many hours it will cost me for that big purchase. You both are amazing and thank you for your service in improving financial literacy for all.🙏👍
As always guys your presentations are superb. I do want to mention that you have positive aura. This attracts money at a higher velocity. Having said, your presentations help those people who are not good at budgeting or saving money. Thank you guys and I hope your daughter feels better now.
26 year old Millennial here. Being "Financially Independent" to me means that I could retire early and continue living my current lifestyle without ever having to work again, should I choose. So, my current “Financial Independence” number is around $1.62 million. Though it is not my total expenses I expect to have retirement because it hard for me to plan that out, it is my gross income replacement from my employer. So essentially, I plan on increasing my income regardless. But my main goal is actually reaching “Financial Freedom” (similar to “FAT FIRE”), which is my “dream/ideal” lifestyle which is beyond my current lifestyle, beyond my current budget. They say to pursue your dreams, so why stop at funding my current lifestyle and not my dream lifestyle. For example, my current lifestyle doesn’t allow for me to: 1) Go on vacations more often, 2) buy more gifts for my parents whenever their birthdays 3) to make tax-deduction charity contribution more often on a consistent basis, 4) to be that friend who pays for everyone’s lunch and not ask for a pay back, 5) and put extra money into my future child(ren) custodial account(s)…all at the same time. That’s my dream/ideal lifestyle. But it’s not my current lifestyle since it's not in my budget as of now due to my income not able to fund those 5 things also. Good video as usual!
I’m 31 years old actually Portuguese 😝 and came to England for better life money wise and study 10 years later and 2 kids I want to go back home but not working for nobody else 😃 I’ve been spreading the message at work that yes we can retire in 10/15 or even less years from now and told them about your UA-cam channel 🙌🏾 thank you so much for this. FIRE watch me ☺️ living my best life 10 years from now and happy in between working towards it😃
I’m 65 and am looking for an affordable place to live out my “working retirement”. Love your financial advice and insights on living in Portugal. Thank you for generously sharing this wealth of information.
Thanks for sharing. For me its late, to retire before the 40. But with your tips i Will try to Retire with more condicions. I try to Share my and your knolege with my family
Thanks for sharing Luis! And the goal doesn't need to be 40! We all have our own unique goals! Just set your goals and stay motivated to achieve them!!! You can do it!
My main problem is I want to move overseas with my son in the next 4-5 years. I’m debating on should I buy a house for 4-5 years and sell or rent while I’m overseas. I currently live with my mom and she doesn’t have a mortgage. Or should I rent. Me and my son need more space so that’s why we need to move. Or if I should convert the garage and maybe add a FROG. This would give us all the space we need and might only cost 12-15k. The cost of rent for 9-12 months where we live.
I got stuck on #1 😭. If you're under a certain age, you have to make so many assumptions when calculating your FIRE number. If I'm 30, how would I know what my life & financial obligations could look like when I'm 55, let alone at the normal retirement age?
Don't get stuck! Open up your budget and project how things might change. For example, you may travel more in retirement, your healthcare will probably be more. You can always revise your number before you actually retire. But by calculating it now, it will give you an idea of what you should be working towards! :)
Wow, i have just bumped into your channel and it's soo informative. You just gained a sub. I can't wait to watch more of your videos. Thank you so much for sharing such rich information.
I am trying to understand the order of saving and investing. If you can't touch 401k money until 62, but you want to retire by 40 or so and you are 36 now let's say... wouldn't investing in a stock portfolio take priority to live off dividends from 40 to 62?
Hey guys, Thank you! You guys are such an inspiration! My sister and I our goal is to have 320k in 12 years to buy homes..we have about 800 a month to invest...right now we are only in mutual funds: Fidelity Blue chip Buffalo small cap..Fidelity Blue chip seems to be investing in the same as your investing *(Facebook, google,ect)..what should we do from here....thinking about doing exactly what you guys did though (I know you guys aren't financial advisors, and will not hold you responsible for my decisions, I just need help)
Thank you for this video. I took lots of Notes. I didn’t want wait to to print the downloads but will print soon. I have completed a few of the days just by watching all of your videos yay! I also subscribed to your Instagram :) I did see a typo but with my sense of humor I said “oh they’re just making sure I am paying attention laugh out loud” It is on day 21. Have a happy day.
The second action item has to be: calculate your net worth. The difference between your fire number and your net worth will dictate and set the tone for the other action items. If you are lucky, your net worth might be greater than your fire number.
▸▸▸ www.365daystofire.com/
Enrollment is now open for our 365 Days to F.I.R.E. Program for 2025
Sign up and get:
◼ Completed F.I.R.E. Plan, Stock Investing Plan, Real Estate Investing Plan, etc. by the end of program
◼ Daily F.I.R.E. Actions
◼ Monthly Live Q&As
◼ Small Accountability Groups
◼ Quarterly Book Club
◼ 3 Meet-ups in Portugal, including a 2-Day Conference with us in Porto!
◼ Private Facebook group
◼ Lifetime access to daily tasks, recorded live Q&As, recorded book club meetings, Facebook group, and resources
◼ Discounted future meetups as 365 Days to F.I.R.E. program alumni
◼ And more!
To learn more and enroll NOW, go to: www.365daystofire.com/
Enrolled 🎉
I'm 21 and currently have 74k in a brokerage account and 18.5k in a Roth IRA. And a $10k emergency fund. Trying to get into an electrician apprenticeship and then I can invest more and more!
That's fantastic!!! Sending you good vibes for the electrician apprenticeship!!!
@@OurRichJourney thank you! 🙏🏼
👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽
So inspiring!!!👏🏼👏🏼👏🏼👏🏼
Good luck, hope to see you soon in IBEW ⚡️
I'm 57 years old - I've been doing most of your 30 steps all of my adult life - and believe me - IT WORKS! I'm going to retire this year. Just want to point out - in calculating your FIRE number - make certain you put entertainment / travel in there also - not just basic expenses. OH - and do NOT forget health insurance. Maybe you covered that in previous videos. I think for younger people (and even people as old or older than me) - you give rock hard solid advice. Thanks for all you do!
Great points! Entertainment, travel, and healthcare are great to point out because they are all costs that can definitely go UP during retirement!!!
Thank you 💕
I found this family a few years ago. Then we bought a house and had another child. Now I'm circling back as a 40+ year old man. I hope to be in your shoes at 57. Congrats!
I'm 53 years old, a middle school teacher, and your advice has resonated with me more than ANY of the experts out here, and I've watched them all! You have helped me understand investing, and become comfortable with investing. Just recently I purchased my first Index Fund and first ETF Fund in my whole life! You have truly changed the trajectory of my life by empowering me with the knowledge I needed to take action! You guys are changing soooo many lives! I love watching the both of you and your family. God is with you! Keep Shining!
You both, Dave Ramsey, Remi Sethi, Choose FI, Afford Anything, and JL Collins changed my life. I am in a better financial position now then even a year ago. And yes, I go back to your old videos again and again for reminders, reassurance, clarity, and motivation. In my opinion, you are the most influential couple on UA-cam. You are personable and knowledgeable AND explain things in a way that make sense. Thank you for all that you do!
Aww, thank you so much May!!! Thank you for your kind words!
@SFCRMSA - So cool! Thanks for rewatching! :)
So true. I can say the same about myself. UA-camrs have helped me with my focused investment mindset.
Exactly!! I feel the same way. Been following them so long i forgot how I found out about them.
I agree with everything you said 😀
Switched from Tmobile to Mint mobile, slashed my annual bill from 1500 to 600. Funneling that money to my investments. Best move I've ever done for my family, and it's through your channel. Thank you.
Starting to see other youtubers copying your videos or quotes but you two are the original goats! Appreciate the knowledge and videos.🙏
I usually do not like copycats, but hey if this is for a good cause I'll allow it! 😅 . Loll jk!
That is so kind of you to say! Thank you so much Mark!!!
@@OurRichJourney you're welcome!🙏
F.I.R.E incoming, I can feel the warmth already !
That's right!!! :)
Please share your process
🔥🔥🔥
I'm in my 50s but I'm making a run to get on the bus 🚌🚌🚌🏃🏾♀️🏃🏾♀️🏃🏾♀️🏃🏾♀️🏃🏾♀️🤣🤣🤣
Glad to know I’m not running alone! 😊
It is very possible take less risks , save and invest more
In the sane boat I am older
I’m in the same boat. Still in the race
You got this Danelle! You can do it!!! ❤️
At 12:35, "...because you can't have wealth without having health." This is so true once you truly understand how your personal health affects EVERYTHING in your life.
“Day 30: Give back” is why I love this channel ❤️. So easy to get wrapped up in doing what’s right for you and forgetting about helping others. (For the challenge, my only quibble is waiting until Day 25 to create a budget. No FIRE number and no FIRE without a budget!). Great video, as always. Enjoy your glamping!
Thanks Tobi! And feel free to switch it up! :)
I’m retired (worked 40 years, mostly for government agencies) but am enjoying your channel for good ideas on how to keep growing life enjoyment and prosperity. Great channel, thanks.
I am Portuguese and proud you choose Portugal to live in.
Thank you for those advices, this kind of information should be teached in school.
Cheers and keep up the good work.
Thank you so much Pedro! 😃
@@OurRichJourney Portuguese is my favorite language....it sounds so beautiful, almost musical.💕🎼
I have been to Lisbon and was thinking to retire there. Beautiful food, weather and city. Very nice people and seems like cheap real estate
Thank you guys so much. I was beginning to feel like certain things were too late, but you reminded me that nothing is too late!
It seems really hard to find the right balance of higher level guidance AND details here on YT. Happy to say they have it - I initially came for the Portugal material, but stayed for the finance material. thank you for the good information. I am in my 50's and need to get my act together so I can retire safely and make sure my wife is set.
Aww, that is so cool Paul! So glad to hear you're sticking around for both the Portugal AND finance material! Thank you!!!
Ah, my Fairy God Relatives. The gift that keeps on giving. I binge- watched your videos on UA-cam yesterday. Love, love, love the transparency and useful information. Can't get enough. Thank you for all your blessings. And Blessings on Blessings to you. You are truly amazing people!
Wow, thank you so much for the kind words!!! So happy to hear you're enjoying our videos AND rewatching them AND commenting on them! Thank you so much!!!
Your family is just beautiful! Thank you for all of your videos. I didn't think retiring early was a possibility unless someone was rolling in the dough. Thanks to your channel, I'll be retiring in 4-5 years (figuring that out this weekend). I'm currently 35. If I had known this was a possibility long ago, I could have already retired.
At 28, I'm thankful to hear I've completed a ton of these steps! En route to FI!
I just bought my first index fund on Fidelity. I feel proud already. Thank your for this solid information. I will keep my faith in it.
Glad you're enjoying the info Marlene!
I don't plan on retiring before 40, but I just love the information provided by these two. They're so nice! :)
Thank you guys. Very valuable advices. I found you just recently, but I want to say I did all these (or similar) steps about 2 years ago after I realized I was tired to live from paycheck to paycheck. And I can say to people who wants to start. Definitely do them. It works. I also want to tell people who are 50+, please do not get discouraged. I am a single mom of 2, who never even had a savings account. At 52, I did all those steps, simplifying my life, getting rid of debt, at 53 I opened saving, investing and ira accounts with my tax return money, and now at 54, I have about 20000 combined in all those accounts because for the whole year I was saving every penny (including all money government was giving in 2020), and I still have one of my kids living with me. So, It is possible. Now, I am so obsessed with investing. I am just upset I never thought about it for the previos 50 yrs. I always thought I did not have enough to save, but it is not true. All it takes, A FEW DOLLARS AND COMMITMENT. Yes, I will not retire early, but I want to retire comfortably at 62 and travel the world.
How do u do bdays and xmas?
As soon as I heard you say we are presenting you with a 30 day challenge, I got really excited! I love you guys so much!
I had stopped watching for a while to grow some stuff (family, mindset, channel), but really I thought, man, they're off to live now. Look at you guys still pouring into us, thank you🙏🏼🤗💥
I'm 39 and currently have 103k in my wallet and 38.8k in a Roth IRA
Hi beautiful family I am catching up on all your videos. My husband and I lived in Abu Dhabi for 7 years, came back in our late 50s after CoVID shut down the country and now getting as much information to retire and looking at various countries. Your information is awesome and very much appreciated!
Thank you ORJ fam! Day 29 of the journey complete today. I am looking forward to Day 30! This has been so good. I am grateful for your wisdom. I am ready to FIRE! 😄
Fantastic!!!! Well done!😀
So many great tips, but that "remove shopping apps from your phone" is 💰! Thanks you two for continuing to educate the rest of us. 👍🏼
Happy and Blessed Sunday Amon and Christina, and to all of us. 🛐 May God continue to bless our investments. 🙏
Hey there JM! Thanks for checking out our Sunday videos! :)
📈Looking to learn how to invest? Enroll in our Stock Market Investing Course: www.ourrichjourney.com/investingforfire
🔥Learn more about financial independence and retiring early: Enroll in our F.I.R.E. Master Class: www.ourrichjourney.com/firemasterclass
✈Want to move to Portugal? Enroll in our Moving to Portugal Course: www.ourrichjourney.com/movingtoportugal
If you have a lump sum saved in a savings account how would you start investing.? Would you take a big chunk of this money and invest it?
Hey guys,
Thank you! You guys are such an inspiration! My sister and I our goal is to have 320k in 12 years to buy homes..we have about 800 a month to invest...right now we are only in mutual funds: Fidelity Blue chip Buffalo small cap..Fidelity Blue chip seems to be investing in the same as your investing *(Facebook, google,ect)..what should we do from here....thinking about doing exactly what you guys did though
(I know you guys aren't financial advisors, and will not hold you responsible for my decisions, I just need help)
I am on fire journey and in last couple of years (of course because of you) still i love to watch this and realize that i can still improve, thanks guys love from Dubai
Could you do a "how much youtube paid us" video? Thank for continuously enlightening us!
So glad I found out about FIRE and u guys. I appreciate the content!
Thank you Sam! We're so glad you found our channel, too!
Hi Amon & Christina....once again such a valuable video👌🏽. I LOVE these action steps. Thanks so much for making my Sunday a happy day💖.
Thank you Judith! Thanks for joining us each Sunday!!! :)
Ahhh, my Sunday get together with Amon and Christina!! Such great info for us all. So glad I found you a couple years ago. So appreciate you both, and your girls as well. The most transparent channel out there. You tell the truth, you tell it with grace, and the happy smiling faces we have all grown to love!
Ellen update, pools and spa time with her girlfriends, coffee and girl talk. Yup she is retired alright. Lol. I am still up every day at 530, but working towards my Latte time.
Love you guys!
Be Safe, Be Happy, Be Healthy!!
James
Hey there James! I bet Ellen is loving her weekdays even more now!!! :) I'm LOVING the updates! Do you have a "latte time" date for you in mind? Just asking in case we need to start that count down!!! :) See you next Sunday James!!! Always lovely to read your comments!
@@OurRichJourney Hmmm, most likely my Birthday in 4 years. But it could get moved up (PLEASE!!) With some manipulating of funds that we think should work out. We had that talk this weekend. She is insured thru her 65th birthday, I would have to pay for insurance, and our youngest, 21yr old, is still on mine thru work. So, still working. Hi Ho, Hi Ho, its off to work we go.. See you next Sunday
The two of you are wonderful. I have a FIRE buddy and we discuss this 30 day action plan weekly. He asked me a question about Apple and my response was what would Christina say. I channel my inner Christina and my inner Amon. Thank you so much for all that you share.
Too funny Regina!! Channel your inner Amon & Christina - I LOVE it!!! Also, totally love that you have a FIRE buddy! Someone to hold you accountable on your FIRE journey is really helpful!!!
Covid numbers are going wild in Brazil right now..be safe!!! May God bless your family!
Enjoyed 😊
I found your channel just two weeks ago and have watched whenever l have a chance. My husband and I have married in '81, both in university 20&21 year's old. Instead of student renting we bought our first house close to school and rented out two out of the three bedrooms.By graduation we had our first home paid for and, we bought our second house and had it paid for in eight years. l retired at 40 but my husband continued to work but this is his last year before retirement. We've been muilt millionaire's now for the last ten years,but when we became empty nesters we sold our large house and moved into an uptown lease condo to save money and invested.
We winter in Maui each winter except for 20&21 and live a very comfortable carefree lifestyle. We have family and friends as old as we are, still with large mortgages, apparently owning a cottage in Muskoka that you need to take out a six hundred thousand dollars mortgage for, is the thing to do!!😳
Great content and very wise advice!!😊🍁
Great action items list. I actually sold a household item earlier today. Thanks
Definitely agree about financial literacy. I work in wealth management and let me tell you the average person is not getting this kind of information.
I love you guys. Thank you for sharing your success and inspiring other to do the same ❤
Watching every Our Rich Journey video ... Check! I’ve got at least one item on the list done!
Found your channel. Binge watching all your videos. Making a plan to change my financial future! 😊
Can you do a video detailing the specifics of automating your investing? Like a walkthrough of what it looks like?
Thank you guys for donating your time for these great educational videos! They have really helped me on my now much healthier than before, financial journey. My biggest tip that helped me was automation and also, thinking about how many hours it will cost me for that big purchase. You both are amazing and thank you for your service in improving financial literacy for all.🙏👍
May I suggest a mild blurb about the potential tax implications of rebalancing one's portfolio? Otherwise great tips!
Thanks for sharing your knowledge...I am excited to start my journey to FIRE
I like the idea of the 72 hour list. Great tip!
1st video I've seen. I like this content stay blessed. I will teach my kids what wasn't taught to me.
As always guys your presentations are superb. I do want to mention that you have positive aura. This attracts money at a higher velocity. Having said, your presentations help those people who are not good at budgeting or saving money. Thank you guys and I hope your daughter feels better now.
Thank you so much!!! And our daughter is 100% now! :)
Still so helpful and relevant! Thank you for all that you both do.
Bookmarked 🔥Working hard on FIRE! I'm loving it! 🥰
You got this!!!🙌
Retirement is a very good feeling and am looking forward to that doh I have to work for it so I can enjoy it.
26 year old Millennial here.
Being "Financially Independent" to me means that I could retire early and continue living my current lifestyle without ever having to work again, should I choose. So, my current “Financial Independence” number is around $1.62 million. Though it is not my total expenses I expect to have retirement because it hard for me to plan that out, it is my gross income replacement from my employer. So essentially, I plan on increasing my income regardless.
But my main goal is actually reaching “Financial Freedom” (similar to “FAT FIRE”), which is my “dream/ideal” lifestyle which is beyond my current lifestyle, beyond my current budget. They say to pursue your dreams, so why stop at funding my current lifestyle and not my dream lifestyle. For example, my current lifestyle doesn’t allow for me to: 1) Go on vacations more often, 2) buy more gifts for my parents whenever their birthdays 3) to make tax-deduction charity contribution more often on a consistent basis, 4) to be that friend who pays for everyone’s lunch and not ask for a pay back, 5) and put extra money into my future child(ren) custodial account(s)…all at the same time. That’s my dream/ideal lifestyle. But it’s not my current lifestyle since it's not in my budget as of now due to my income not able to fund those 5 things also.
Good video as usual!
Afternoon from Toronto! I can't wait to FIRE!!
I am in Etobicoke! Love this Channel!
I am in Mississauga and I love this channel 👍
Hello there Layla!!! You got this!!! You can do it!!!
I’m 31 years old actually Portuguese 😝 and came to England for better life money wise and study 10 years later and 2 kids I want to go back home but not working for nobody else 😃 I’ve been spreading the message at work that yes we can retire in 10/15 or even less years from now and told them about your UA-cam channel 🙌🏾 thank you so much for this. FIRE watch me ☺️ living my best life 10 years from now and happy in between working towards it😃
Your content is worth more than gold
I love you guys and this channel so much.. Watching EVERY SINGLE VIDEO from you guys is the MOST important part of my financial journey!! haha
I've done almost everything on the list. Thanks for reaffirming 👍🏼👏🏼🙏🏼. Thanks for bringing great content.
Obrigado pelos vídeos!! Eu já moro em Portugal, em Óbidos. Agora só me falta reformar aos 40 😁
Si, claro
Na vila mesmo? Não há vila mais linda
Olá, eu e meu esposo estamos pensando em morar em Portugal daqui a alguns anos.
Gabriel - Hehe! You already have half the plan - living in Portugal!!! :)
Óbidos foi um dos lugares mais lindos que já visitei! Espero voltar em breve!
Checking in from the DMV
We see you LaShawn!!! :) Thanks for checking in!!!
Outstanding!!! Great Plan to do then Repeat 🔁 !!! Watching this again for Sunday Motivation 🤓☀️ Thank you ☺️...
Thank you Bonita!!!! We LOVE being part of your Sundays!!!
I’m 65 and am looking for an affordable place to live out my “working retirement”. Love your financial advice and insights on living in Portugal. Thank you for generously sharing this wealth of information.
Thanks for sharing. For me its late, to retire before the 40. But with your tips i Will try to Retire with more condicions. I try to Share my and your knolege with my family
Thanks for sharing Luis! And the goal doesn't need to be 40! We all have our own unique goals! Just set your goals and stay motivated to achieve them!!! You can do it!
Thank you both! You are helping me so much to navigate my FIRE journey.
Aww, thank you so much! So glad we're helping you on your journey!!!
Ahh fresh air , thanks for the wonderful upload this was needed.
Aww, thank you so much! Glad you liked it!
Ammon, thank you for saying you can have a money date with yourself! Nobody considers single people.
YES! We can't forget about the single people!!! :)
@@OurRichJourney xoxo
So true!
Great video guys! multiple streams of income is a must, love how you have gone out of your way to make the fire challenge! lets go people! take action
Thank you Olley!!!
My main problem is I want to move overseas with my son in the next 4-5 years. I’m debating on should I buy a house for 4-5 years and sell or rent while I’m overseas. I currently live with my mom and she doesn’t have a mortgage. Or should I rent. Me and my son need more space so that’s why we need to move. Or if I should convert the garage and maybe add a FROG. This would give us all the space we need and might only cost 12-15k. The cost of rent for 9-12 months where we live.
Just enrolled in the F.I.R.E program.
Very cool!!!
Your family and ChooseFI are my FIRE support group 😊
So glad to hear that! Thank you Danelle!
Hey guys I love your channel ❤ 💕 I am sure I'll be learning so much from you! And for sure will put that knowledge to work. Can't wait....
You are really so inspiring. I really appreciate how your topics are so relatable to a common person like me; simple and easy to understand .
Love it! All great things to do. Thanks for spreading the knowledge.
I got stuck on #1 😭. If you're under a certain age, you have to make so many assumptions when calculating your FIRE number. If I'm 30, how would I know what my life & financial obligations could look like when I'm 55, let alone at the normal retirement age?
Don't get stuck! Open up your budget and project how things might change. For example, you may travel more in retirement, your healthcare will probably be more. You can always revise your number before you actually retire. But by calculating it now, it will give you an idea of what you should be working towards! :)
Thank you for your valuable time and effort very helpful.
Great Info today ( I liked the 72 hour pause tip) you guys are financial Super Hero’s ! 💰💪👏🏆
Yes - that pause can work wonders! :) Thanks for watching!
Christina, you look so rested!
Thanks! I’m from France, in France. I wish you had advice on how to invest here in Europe, where there’s no IRA etc.
awesome content like always! Calculating your hours worked for a big purchase is a huge eye opener!
Thank you!! Yes - those hours worked add up on those big purchases!
Yes, taking notes F.I.R.E.
hehe! Too awesome Tee!!!
Congratulations! God bless your beautiful family!🙏🏼❤️🤗
Wow, i have just bumped into your channel and it's soo informative. You just gained a sub. I can't wait to watch more of your videos. Thank you so much for sharing such rich information.
Thank you so much ❤🙏🙏✨♥️♥️♥️♥️
I love a good challenge! Heading over to the website 🙌🏿
Very cool! Check back in with us after 30 days and let us know how it went!!! :)
How do you trade retired in portugal - without being seen as professional traders by the tax authorities?
I am trying to understand the order of saving and investing. If you can't touch 401k money until 62, but you want to retire by 40 or so and you are 36 now let's say... wouldn't investing in a stock portfolio take priority to live off dividends from 40 to 62?
Hi Guys, where can we go to get a copy of the budget sheet? Couldnt find the free version on the website. Thanks
Look at those biceps! Matt D’Avella is quaking. 😂
Too funny Marissa! (and thank you!!!) :)
Hey guys,
Thank you! You guys are such an inspiration! My sister and I our goal is to have 320k in 12 years to buy homes..we have about 800 a month to invest...right now we are only in mutual funds: Fidelity Blue chip Buffalo small cap..Fidelity Blue chip seems to be investing in the same as your investing *(Facebook, google,ect)..what should we do from here....thinking about doing exactly what you guys did though
(I know you guys aren't financial advisors, and will not hold you responsible for my decisions, I just need help)
Starting this Journey guys!!!!!!
7:45 Priceless advice
Thank you!!!
Your videos are great. Love from Aveiro 😊
Thank you Isabel! 😃
Outstanding life-changing information.
Thank you so much Dee Marie!
I love this!! Thanks Amon and Christine!
Such a great list! Getting started now!
Thanks for another great video.
Thanks for watching Robert!
Thank you so much! I love a challenge!
Thank you for this video. I took lots of Notes. I didn’t want wait to to print the downloads but will print soon. I have completed a few of the days just by watching all of your videos yay! I also subscribed to your Instagram :) I did see a typo but with my sense of humor I said “oh they’re just making sure I am paying attention laugh out loud” It is on day 21. Have a happy day.
Hey there D Walker!!! Happy Sunday! You know we do like to make sure people are paying attention! Hehe! But, I don't see the typo. :(
Love this video! Giving is a great feeling. I also added meditation to the list.
The second action item has to be: calculate your net worth. The difference between your fire number and your net worth will dictate and set the tone for the other action items. If you are lucky, your net worth might be greater than your fire number.