How I retired at 36, and spent 20 years sailing (FIRE, Minimalism, and when "Enough" is Enough) 

There seems to be a balance of naysayers and “agree-ers” (if that’s even a word) here. To ones that agree with this guy or at least agree with most of what he’s saying, you will be very successful at one point or another in your lives. You take what you hear and try to see how to make it work for your situation. To the naysayers, my advice - stop assuming anything, accept your don’t know anything, take what you hear and do your research. There is no more excuse for not reaching your dreams. Take responsibility for your own future. Stop blaming others, society, the government, your bad job, etc. I’ve heard all those excuses. Nothing irks me more than hearing people blame everything and everyone around them but fail to take responsibility for themselves. Educate yourself. Almost everyone on this planet have internet access. Use it wisely. LEARN, LEARN and LEARN some more. I don’t mean “degree” type learning. Learn practical things. Learn about money. There are millions of blogs, podcasts, RU-vid videos, websites, books, audiobooks talking about money. Just LEARN. What this guy is saying is so simple but you have to find your own way. Get help if you need it. Ask people. Comment on here. Just do something. This can be done in just a few years, no matter your income level. We all have choices to make. Choose yourself and you will be very successful.

"If you make more than you spend, you're rich. If you spend more than you're make, you're poor." "If you don't have a definition of "enough", you'll be cursed to always chase "more". Man, I've seen a lot of these type of videos, and there are some real great lines in this one. Thank you for this.

The problem with most people is, They Work Really Hard to Build Other People Dreams, and They Don't Work to Build Theirs. work-work-work doesn't means success.

I live on a 28 foot sailboat in in California. My slip rent is only $420 a month all included. I save so much and I'm within minutes from all the beach towns. Life is great.

Lots of good advice here but dear god, don’t listen to the “choose wisely, you only get to make this choice once; you won’t have time to restart” nonsense. Plenty of people make dramatic changes in their lives, creating entirely new paths, often more than once. What you want at 20 may not be what you want at 50. The notion of “it’s too late” is a lie that will eat your life. There are countless paths on this journey, and you can change course at virtually any time.

I'm 59. Have worked like a dog my whole life. I have what I think most people would consider a " nice " amount of money. Great home and lots of "nice stuff". However, I don't have a lot of great experiences to look back on. Just a lifetime of work, and stress. Don't get me wrong I like my money and "stuff". However, if I had to do it over I would choose great experiences and memories and adventures over money and "stuff". At the same time, I would still try to have some sort of financial security. Sounds like you have found a good balance.

I like the marshmallow analogy. I see many people my age "eating the first marshmallow" by spending money on temporary pleasures, and I just can't bring myself to do that. I believe growing up in poverty taught me how to be frugal with money at an early age. There was a time in fourth grade when my shoes were falling apart, and I knew my mom, who was single with four kids, couldn't afford to buy me a new pair. We lived in a shelter and she had just recently totaled our car, but 10-year-old me wasn't going to let that get in the way. After days of begging, she finally agreed to walk us and our "hobo cart" a few miles to the nearest dollar store to purchase $5 worth of candy. Although I could have eaten the candy myself, I sold every last sucker at school and ended up returning my mom's initial investment, as well as being able to walk to school in my brand new pair of shoes. Seven years later, I have a job of my own, but I still find myself saving the first marshmallow so I will be better off in the future.

A friend of mine said, "You spend the first forty years of your life acquiring stuff, and the last forty years trying to get rid of all the stuff." I wish I would have done these things thirty years ago. Instead I did what is considered "normal." I did turn things around in my mid twenties, and now I am planning to retire at fifty-two.

FIRE, i prefer FINE; Financially Independent Not Entangled. So when someone asks, "how are you?" , i get to reply "FINE", with a secret grin !

7th time watching this video. I come back every month or so, reminding myself of my motivation and goals. This has been THE pillar video, the turning point, that has pushed myself in the right financial direction. Words cannot describe how important your content has been to helping me towards financial independence. Thank you so very much.

I believe the concept of "enough" comes down to contentment. Nothing is better. Life is so much more relaxed when you are content.

You are 100% accurate on finding the right partner. Being with someone who constantly likes to shop and spend is stressful and relationship is doomed! Speaking from experience sadly .😕😔

"Be a welder, not a waiter." Well said.

This was excellent and common sense to some of us. The "American Dream" is: Buying stuff you don't need With money you don't have (debt) To impress people you don't like

Here's something to add from my experience - Don't smoke too much weed otherwise it will be the only thing that excites you.

I wish I'd had this mindset back when I was in my early twenties, 32 now. Time flies. I'm working on it now and trying to remain patient whilst also making up for those lost years. Go get it! :)

I immigrated to USA when I was 24. I grew up in a 3rd world country and money was tight. When I came here and my first paycheck hit, I felt like a millionaire. I spent most of it on a brand new sports car, video games etc… years later I felt the pressure of living paycheck to paycheck. So I did a soul searching and read about minimalism, stoicism, and the fire movement. Since 2018, I traded my car for a used prius, became debt free after a year and able to build a net worth of almost 200g and we just bought our house. Minimalism+fire+stoicism can liberate you from being paycheck to paycheck.

The biggest financial tips are simple. 1. Reduce your spending. 2. Increase investment, but realize how long returns will take. 3. Develop in demand skills, you can only reduce expenses so much. At some point you need greatly increase income. 4. Take time off and realize not working gets boring, find something you don't mind doing.

Amazing! I've decided to retire in March at 43 - I have a similar story. Very inspirational! Thanks for sharing!

I retired at 48, I’m also Hispanic everyone just assumes I’m on Social Security.💪🏼

I'm 50 been retired 8 years ago. I thought I was young retiring at 42 but you beat me. Enjoy every day. I do.

Retired at 50. There was no stress for me during the transition as I had been dreaming about it and planning for it for many years. I've never been happier.

I worked part-time and raised 2 daughters without child support. We lived on less than $15,000 per year - after taxes and health insurance. We just learned to live without. I saved every extra penny and am comfortably retired. I tried working full-time, but I quickly got burnt out. So, cutting expenses was the next best thing. I've never regretted it. Freedom from work is everything.

I'm your age and retired a month ago. I'm loving it and I appreciate your comment about how hard it is to stop striving for more! Time to chill and find my goals for Life 2.0

Thank you, I have sent this to my daughter as an assignment to be discussed at dinner this evening (she is 17). Great way to open a dialog with points and suggestions. Thank you again for sharing!!

It's a month since I first commented here, & people are saying 60's is old. No way. 😂 I'm 65, I had mitral valve heart surgery last May & now it's all good. I could literally last 30+ more years, seriously. It's all about diet (veggies, fruit, meat twice a week), exercise (cycling for me), & zero stress. It's a great time to be alive, what with the excellent life planning & motivation RU-vid videos. Watch sailing videos b/c it's endless repairs & maintenance, get ready for that (the bigger the more repairs, plus electronics). It's made me re-consider a bit. Right now I'm working on a new fiction series to finish next year. I dreamt before of a 37' Beneteau (30+ years), now I'm thinking 30' max with minimal electronics. Really, the adventure is the journey of life itself, whatever you do with your days. I've even thought of buying a very used Chinese junk with a deck cabin, or a 35'+ used Thai dragontail boat for < US$ 8,000 ... Western yachts are absurdly expensive. 😉

Watched it right through, brilliant. Clark's message is more powerful than anything we can expect from Davos so please everyone share this, we did, and genuinely help folks find their own happiness through all the fog. Thank you for a wonderful presentation.

Thanks for the video and the inspiration! Been on a similar path of working/saving/investing towards FIRE. About 3-5 year away, depending on some choices. Avoided college debt by choosing skilled trades. Bought properties as soon as I could, and had house mates to help pay down the mortgages early. Spent most of my free time running, biking and hiking as well as eating quality food....taking care of my body and spirit. Chose not to be married, have children or pets. Always owned used cars (minimum of 80K miles @ purchase), paid for with cash. Currently drive a 1991 Honda and a 2000 Toyota (truck for work). Honestly I spent my 20's doing many things "right" but also spent more of my earnings than I could have. The last 6-7 years I have become more meticulous in my tracking of my spending, which has helped both in correcting "bad habits" and in inspiring myself to stick with it.....

Great story - debt keeps people from living their dreams, pure and simple. Unless it's for something (real estate investment) that is going to make you money, then "debt is the devil". Live well and enjoy life. Safe travels!

Excellent advice for millennials! At 48, recovered from a brain tumor, I’m no where near retirement. Made poor career choices. Currently work in the medical device industry and do not make much money & cant stand my work. Struggling to find a way to make up for lost time in order to retire. The idea of feeling trapped in life is at times overwhelming.

I retired when I was 48, but I was not happy till I bought a Vancouver 27, and sailed of to Mexico and got divorced. I single handed for about ten years and found a new love that enjoyed the sailing and the solitude as much as I did. still sailing but now on a Wildcat 35. Thank you for your great video, oh by the way I did buy a porsche which I get to drive about every two years.

I retired at 42, traveled around in a motor home. Had to go back to work - chose real estate. Going well but back to work is nice. When I was retired I had a 5 hr stretch during the day when I needed to feel productive. Finding the balance while working and playing works for me. I will probably work the rest of my life as ling as I can walk and talk, but only 5 hrs a day.

Alot of excellent points he made. Concise, helpful, and valid. Not selling his dream but guiding you on what he did but not saying you should follow what he did. The most important thing out of it all, at least for me was, 'Know when enough is enough' ie achieving is addictive. You don't need alot of stuff to be happy. If you chase stuff or money without limits, it will be a hunger that cannot be satisfied... But he is not even telling you to not aim high, if that's what you want, but for him and his goals, that wasn't the objective. Great video, and thank you for taking the time to make it and share it! 👍 😀

Holy sh... this guy should be teaching finance to everybody. Please do more videos like this.

WOW !...Thank you Clark, one of the best videos I've seen on living minimally and living your dream... & talk about hitting home, I'm 36, from NY, who growing up saved & invested more than I spent, I'm at the point of ENOUGH. I've been so inspired by your videos and others that I recently purchased my first sailboat, a Hunter 34', which I only paid 4k for (I feel I stole it, originally asking 20k)...the Hunter won't be my end all boat, it's a starter sailboat for me, once I learn more I'll eventually get a boat similar to yours, which is beautiful by the way,.. the ocean has always been my Passion, and always will be..i worked at a boatyard when I was 14, not for pay, but for a ragged old abandoned boat to fix up..but at 14 owning your own boat I felt on top of the world....now I'm 36 and this sailboat is the 6th boat I've owned under my belt. I dream of retiring now, and I could, but if I stick out 6 more years I will officially be able to retire from my job, at 42, with a very lucrative pension. So for now I'm stuck, in limbo, prepairing, practicing and researching your lifestyle, because I've never had such a stronger desire to do anything in my life. Hope to be anchored and having a beer with you shortly my friend. Cheers & thank you for being an inspiration.

Great video I am 55 and have been retired for the past 16 years . It has been a great choice for me.

"Life is about the experiences you have, not your performance. No matter how hard you work and how successful you are you will inevitably be forgotten. Success is a transient treasure and it will never completely satisfy you because there will always be another goal to reach." I pieced that together from some forums posts I seen online around 15 years ago. I printed it and framed it on my wall and it's been hanging there ever since.

I'm 31 and this has been my goal for the last 11 years, I'm so glad to see that you succeeded, hope to do so my self in 9-10 years :). Keep living well :D

This is real good stuff. Went about this the same but different. By opening up, you and your Wife are really helping people Who will listen. Thank you for sharing! Thanks for Excellent content!

I have this poem up on my wall and it is fitting here now: I have studied many times The marble which was chiseled for me-- A boat with a furled sail at rest in a harbor. In truth it pictures not my destination But my life. For love was offered me and I shrank from its disillusionment; Sorrow knocked at my door, but I was afraid; Ambition called to me, but I dreaded the chances. Yet all the while I hungered for meaning in my life. And now I know that we must lift the sail And catch the winds of destiny Wherever they drive the boat. To put meaning in one's life may end in madness, But life without meaning is the torture Of restlessness and vague desire-- It is a boat longing for the sea and yet afraid. -Edgar Lee Masters

I’m gonna be a diesel mechanic, I’m gonna start from probably 30-60k and end up at 80-200k. Hoping I can retire at 50-55

The first video I've watched about retiring early that breaks it down to a possibility not some pie in the sky dream

I have my own ideas about "enough" but I certainly share the sentiment, and I'm glad I'm not alone. Thanks for the video!

You beat me by 4 years, retired 6 months before my 40th BD. Cruised for 5 years on a 1962 Rawson 30. Now I'm a land lover in the midwest still retired for 27 years.

Wow what a powerful video. Thank you so much for sharing! I retired early in April 2021 at the age of 28 and now I am living my best life.

I'm not in the habit of watching videos this long, but boy did your story inspire... well done!

Awesome story and I love Emily's braids so unique and carefree. Minimalism is so interesting to me, so I'm glad I clicked on this video. Thank you!

Thanks for taking to time to "give back" to us all trying to balance this evolving world, it's conditioning and machinations :)

Back to get a refresher on this, just so much good advice here, thanks Clark!

I realised in 1993 that the secret of work was to work my way out of work. I invested like crazy for years and retired in 2015 aged 47, as I had enough invested to derive an income and now I live.

Thank you for this, this is just the kind of talk I needed to get started this path. I've been wanting to buy a boat, sail the world and live life on my own terms as you do. I've faultered off that path and I understand now what I need to do to get back on a path that leads to my financial and personal freedom.

Honestly, I've been jealous to someone else's success for live. But you are a rare occasion that I don't feel anything like that. I'm happy for you. Typical motivational rhetorics is full of BS. And I've never seen a motivational speaker who has so much warmth and happiness in their eyes. Damn, you've disarmed me. I cannot find a single excuse not to follow your simplistic philosophy. Indeed, it's very inspirational just to know that people like you exist. You're the man! Thanks for sharing your insights!

I really enjoyed what you had to say. I am 30 and slowly starting figuring out what I want. Its very hard to come to terms with it and even harder to take steps in that direction because then it becomes a reality. Hopefully I will make it and be FI by 35.

Great vid Clark. "STICK WITH THE PLAN". I turned 47 last week and have a 2021 adventure to run to South Pacific from New Jersey. Maine and Bahamas this year. Boat almost ready, $$ almost ready. I go back to my spreadsheet and say. "If I postponed it 3 more years I would have this much more $$", then I think of people I know who died young or got laid up caring for an elder parent. Even with the boat, my buddies go through things and say. "you have to get new electronics", etc. etc. Same symptom of modern thinking. Need more, more more. Slocum had no electronics.

This video is inspiring! I recently downsized my apartment and we now only have one car, it sometimes feels weird to do the opposite when so many people are getting bigger and more expensive things but seeing people who are steps ahead of me in this journey achieving their goals is so great to see! It makes the sometimes alienating feelings of going against the grain feel so worth it.

My Dad says "If you think you're successful - you are" (he's 93)

Thank you for the video, my wife and I just stopped working at age of 48 and 51. We just bought a sail boat and sold everything. Listening to you just adds confidence that we have made the right discussion. We did keep one small house and vehicles.

live below your means, best advice ever.

I loved the video, I’m 18 and my boyfriend is 20, our goal is to retire early and have a Homestead, to be able to grow our own food and produce our own energy. We are starting to learn ways of achieving it, getting into minimalism for example, and this video really gave us a push. Thanks for sharing your experience!! We are thinking about investing on a small apartment (we plan to pay the bank loan instead of paying a rented apartment). But we don’t really know how good of an investment it is. Maybe the stock market is better (?). If anyone has a recommendation for us I would be enchanted to take it 😊

So much wisdom in one video.

There is so much wisdom in this video. Thanks for sharing with us.

ty. finally someone who isnt 15 telling me about fin. independence. someone who has actually done it. i agree with most of ur points except the last. the planet isnt full . have kids. enjoy them. they are a. joy to be treasured. dogs and cats dont quite cut it. thanks for the tips about building a skillset esp with car maintenance. would be interesting to know ur take on electric vehicles.

This is so inspirational. I wish I had learned these concepts so much earlier in my life. I am a bit late to the game but I have been debt free for a few years (this is so key to building wealth) and I am working hard to retire within 5 years. I want to be free while I am young and healthy enough to really make the most of it. Right now I have a sailboat but very little time to sail it. This feels silly and frustrating and I want to change that. As a woman, I would love to hear Emily’s story. How did she get here? What is important/unimportant to her? Would love to hear her advice and perspective. Best wishes to you guys!

This is the first video that I see about financial freedom who says enough of that programmed life but also enough money to live frugally. And I adhere so much about what you just said, actually doing it every day as much as I can. Thanks for charing Clark! ENOUGH

The planet is not full, have as many kids as you want/can. Life is abundant, it’s not about ambition, it’s about living a fruitful life. I like what he said about defining it for yourself, when you know what you want you’ll know what kind of fruit you want your life to produce.

Love this video, for what it stands for (particularly minimalism and critical thinking about the economics of life--we can all be "barber's sons"!), but I also love the story and history behind it all. So fun. I wish I could be a consultant! Or mainly I just wish I could be as capable, confident, self-sufficient and useful as this dude. I am not so much about inspiration, but... yeah. This, and the guy, are pretty darn inspirational. I've never had a job I loved, just jobs that keep me on the constant brink of a nervous breakdown. :( Don't know what to do with my life (and I'm 37! and don't have money to retire lulz), but videos like this make me feel like there is hope. This video made me feel a bit better about myself, and less weird, even if I am not the confident and capable person!

This is so inspiring. I love when I stumble on something truly great on RU-vid. I had searched outboard motor gas can trouble shoot and your 2 stroke video came up. 😀 I have a skiff and an old sunfish sailboat I was going to sell but now I'm going to learn how to sail it.

Self discipline level 1000! After a few months things start to become habit though, so just take one step at a time

Watched all - I didn't agree with some points, but overall it was a good vibe, with some sound points for setting achievable goals - and I even wrote a few things down to add to my own ongoing plan for early retirement. Like everything, if people take the time to listen to lots of advice, such as videos like this where real people take the time to share, there's always a few helpful nuggets that fit and can be usable - Don't expect one video or one book to have all the answers - So thanks for sharing - and happy sailing!!

Stick with the basic needs in life . Food, clothing, shelter and basic transportation. All the other stuff that you're wasting your money on is not necessary for life. So enjoy life as much as you can as cheaply as you can.Don't get caught up in all of your possessions and what other people are doing. In the end you will lose it all anyway. As the old saying goes . I have never seen a U-Haul on the back of a hearse.

Brilliant video. Succinct and with many interesting points. I'm 38 and want to gain my freedom through property. I've found living abroad (in China) has helped with saving money so far. Your video makes the good points of re skilling and making a long term plan. Thankyou.

Freedom chips" i love that. That's how I think of my money. I earn about a thousand bucks a week after tax. I recycle cans and bottles from my work and apartment complex I get about $50 a week and that pays for my food a fuel. I would like a hobby job but I'm not sure what I can do yet

Really great advise. We’re on our journey to retire early too. The only bit of advise I don’t entirely agree with is kids. There’s no dollar value you can place on your children. The most rewarding & priceless thing you can ever do in this world is be a parent. It truly teachers you about unconditional love & selflessness that nothing else ever will. Retiring early can still be achieved. We have five sons & are on the path to retire at 55.

There are a lot of similarities in what you say with advice that money gurus like Robert Kiyosaki give, only I think the way you put it is much simpler. This is great advice and I think I will do my best to follow it! I've been reading 'Rich Dad, Poor Dad', learning how to save and manage money better (after seeing my parents STILL living paycheck to paycheck in their 60s!) and looking for ways to either make residual income or make more money faster. I've never cared about money and honestly am fine with living off of about $10k per year, but I don't want to be working while my health is declining due to age, and never get to travel and experience life by my terms. You only live once- so make it count!

“Freedom chips”. I feel that

Awesome video . Thank you for telling us your store. A lot of great tips 😁

Probably a strange comment, but I've been looking up things on you tube about retiring, living on the lake, and and finding your purpose in life and this video showed up in the suggested videos. Funny thing is as soon as the video started I said well that guys wearing the same shirt as me same color and everything, then I seen what looks like a guitar scale in the background and I turned around and looked at my wall and was like .... I've got the same thing hanging on my wall and then he said he was in IT, well I'm a systems administrator. Sorry I had a good laugh about that. Great video and great advice. I'm currently financial stable and looking at ways to simplify my life. Whether it be join the tiny house nation or live on a boat, I would just like to wake up every morning and look out the window just happy. It's a good thing when you don't worry about finances. It's a good thing when you know how you want to spend the rest of your life. It sucks going through life trying to find your purpose. I think I'm still searching for that purpose that makes me happy and makes me feel like I'm helping in the world, regardless I know at the end of my happiness I want to live a life similar to yours. A little bit scary thinking of sailing around the world so I'd probably settle on sailing in a large lake lol! Thanks for the video!!

Great video! I am the same way!

Wow, this was really inspirational. Will definetly start to look over my life more :)

I had these ideas since I was 4 years old----- I was free debts, thanks God, since I was 26

As someone looking to join the FIRE movement, this helped so much! Thanks Clark!

This is really great. I am 51 and have been on a journey lately to simplify and really plan for retirement.

great video, you are a good presenter, easy to listen to.

Awesome video, Im Retiring this July at 44, getting a truck and camper and exploring the country, I recently became a minimalist and honestly I feel WAY more free. Cant wait to sell the stix and bricks and hit the road debt free! Most people say "WOW your too young to retire, what are you going to do, your gonna have to work or you'll be bored" These are the sheep that are hypnotised by society that you have to work til your 65 then die at 70.. That or they are jealous that they are trapped in a 9-5 job, married, kids and CANT do this.

Thanks good video. My mom is from Newfoundland, many of the older people grew up living simply and did work for themselves. Most of the younger people have mostly done what everyone has done and live to buy stuff.

I learned making diy at like make your own, toothpaste, soap, shampoo, your own food. Can save the ocean and save you lot of money.

Love this Story !! In Berlin, i am not allowed anymore- cause the Coronasituation- to give seminars in this year. I needed a new bed and some other stuff, watching this and some others around this topic, makes me realize, maybe i dont need a new bed and i can search for a smaller flat without Garden..cause i am in nature everyday, so instead of all the things i need and cant have cause of the coronacrises, i should be rather grateful to be healthy enough to able to go out enjoying this beautiful Environment ! Thanks for this reminder ! Love from Berlin

Very few people have the intelligence/ability to become a consultant which will earn them enough to save substantial amounts of money each year. Unfortunately not everyone is cut out for that but I guess we can still try to spend less than we earn regardless.

This is what they need in every school!! This saves lives, and covers EVERYTHING! Bless you Both !

this is a very good looking 55 year old man.

Have got 3 kids. My country (Germany) does not have enough kids so I have absolutely no regrets about that.

Love your story, really inspirational for us 20-somethings being fed into the corporate life style

The most honest and convincing Video on the Internet about "Financial Independence"! Thanks for sharing.

This video and the book your money or your life by Vickie Robbins would fit.

I sold up everything, headed to the hillsbuying a smallholding, and it was so boring, in 12 months I unretired myself. Should have headed to the Oceans tbh. Which I did in 2016, going to the USA, where I found a gorgeous long keel shallow Draft Endeavour 32 in great condition, Epoxy Barrier Coated, Heavy Duty Stainless portholes, 5 new Sails and a not yet run in 22hp Yanmar Diesel. Pretty much all the expensive stuff done, that I had planned to do, already done. Fot it to a great boatyard, fully checked out and serviced and antifouling, New Anchor, all chain boat to anchorvwith high quality USA made Chain with superb galvanising, and a decent solar power setup, prior to relaunching. Stocked up with food, and plenty of water, I headed for Bermuda, got into the Gulf Stream well offshore, and the Waves got really big, no worries, the Boat handled them fine, then on the VHF, there's a Tornado Warning - not exactly imminent, but on its way. Very Large Waves plus Tornado didn't feel the slightest bit appealing, so checking the Chart and figuring Distance, it looked li,e I could make a Harbour of Refuge in enough time to get sorted before thecTornado arrived, so I turned around, back into USA Waters, made it to the Harbour and Anchored up. That Tornado was impressive. Wedged in the Cockpit surrounded by floatation cushions, the first hot on the Starboard side was so hard, the aerial,on the top of the mast went under water on the Port side, and the side force broke free the Anchor. The Anchor alarm worked, fired up the engine, and flew the anchor between the boats behind me, and at a safe distancevI reset the Anchor. Got clipped a few more times, watching the most amazing lightning show I've ever seen, and we got through the night OK. Tragedy struck though, as great US Coastguard people I met, arranged for me to pick up a 12 month Cruising Licence, and while heading through New York Harbour, I got attacked by Wreckers leading me as NYH Enployees, after my Chart Plotter got hacked supposedly leading me to the Anchoragescon the Hudson, actually led me into a really vicious Tidal Rip, which if I'd had a bolt on keel, I wouldn't be here now. But she was a tough boat, and got me through it alive, but the damage was done, as I lost her further down the Coast, along with everything I had in the World thatbwas on her. Ho Hum, time to recover, and change of plans and a different type of Boat planned, with No Mast and No Sails, so a future 2 bed apartment that floats, that has 2 diesel engines. I'm disabled, so now need things like an Anchor windlass, and backup systems of the mechanical and electrical kind. As an aside, beware of goingbthrough NY Harbour at night, turned out there's boats going down all the time at that Tidal Rip, and I'm probably the First one that Survived Such a regular attack. The Chart Plotter Hack, was done from a Helicopter by the way, which hung well back behind the boat, always front facing, so I couldn't get any identification off it. Best of Luck and Happy Boat Wakes. Onwards and Upwards. Bob. 👍🙂🏴󠁧󠁢󠁷󠁬󠁳󠁿 Anyone have an idea how much extra Fuel Tank Capacity can be added to a Bayliner 3788 by any chance? 🤔

I agree with you about trying to earn a higher income, living below your means, and saving a lot of money. My wife and I both worked in IT. She retired at age 59, I retired at age 63 1/2. My wife took months to acclimate to being retired. I retired two years after she retired and instantly acclimated to retirement. I don’t miss all the pointless meetings and brain dead policies. It’s also very important to try to work for a company that offers a pension. If both husband and wife have pensions, it makes a huge difference in your retirement income stream, and gives you the freedom to invest with a little more risk, and higher returns. Unfortunately, pensions are becoming much more rare today. I disagree with your minimum liability insurance. In today’s society, you need higher liability insurance to protect yourself from being financially wiped out in a lawsuit, which could ruin your retirement years. A boat is s very big expense! The maintenance never ends! I’ve heard the happiest days are when someone buys a boat, and again when they sell the boat! How do you deal with health care when you’re sailing, far from civilization? How do you deal with storms on the ocean? Hopefully you own a satellite phone and a emergency locator beacon! How do you protect yourself from pirates and criminals when you’re sailing in dangerous parts of the world?

Amazing. I am 62 and finally can retire, I just reached my limit and that was it. I still work part time but that is my choice to add to retirement. Great video, you are soooo right.

Well, sounds like I check off every box. Only thing is I don't have a relationship. But maybe that's an asset :-)

I agree with everything except his suggestion that kids aren't worth the cost. There are lots of ways to live frugally with a "larger family." And if you take his advice of giving them the gift of enough your kids will be able to enjoy that frugal life right along with you.

clark man! I am in the middle of practicing guitar while watching this, and I positively love the chord diagram you have on the back wall!