How We Retired Early On $300,000 & How You Can Too

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Today we share with you how we retired early.
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We will show how you can retire with as little as $300,000. We retired on this amount and we share with you how this is possible and how you can do it too.
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Опубликовано:

26 мар 2024

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Комментарии : 614

@Riggsnic_co 7 дней назад

I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.

@JacquelinePerrira 7 дней назад

Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!

@Jamessmith-12 7 дней назад

That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!

@kevinmarten 7 дней назад

Mind if I ask you to recommend this particular coach you using their service?

@Jamessmith-12 7 дней назад

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..

@kevinmarten 7 дней назад

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.

@user-qw1si8rm7d 2 месяца назад

The fact that you have income stream of $4000 per month makes all the difference and don't need to tap into your $300k. I doubt that will be able to do it without the income stream.

@jimnelson7697 2 месяца назад

This. If I had 4K of 'Online' income coming in, I could retire yesterday. BS...

@MrKlawUK 2 месяца назад

Turns out I’ve been retired for the last 15 years and nobody told me?

@salesmans1 2 месяца назад

LOL, exactly. Bottom line you tube is monetized. It's hardly ever honest truth, it's clickbait, then it's what you expected it was really gonna be.

@YouCanDoItKaren 2 месяца назад

@@MrKlawUK 🤣

@paisleyhunter Месяц назад

@MrKlawUK I just retired last month and nobody told me either.

@DenLD 2 месяца назад

My story is similar. I sold EVERYTHING and moved to Mexico and paid cash for home/car here. Only regret is I didn't do it sooner because it's been a great experience.

@moniryousefian8782 Месяц назад

Could you please share which city you're living and is it safe for family?!

@DestinationRetirement Месяц назад

Where in Mexico? For me its Mérida.

@hushbash2989 Месяц назад

Overall, 51% of traders think this year would favor stocks, mutual funds, and other equity-based investments, despite Treasury yields and other safer cash-like investments paying big. I’m looking for opportunities in the market that could fetch me $1m ahead of retirement by 2025

@roddywoods8130 Месяц назад

Look for stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions. Alternatively speaking to a certified market strategist can help with pointers on equities to acquire

@selenajack2036 Месяц назад

True. Having the right financial planner is invaluable. My portfolio is well-matched for every season of the market and recently hit 90% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q4 2024.

@JulianBarnes-dd2iq Месяц назад

Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

@selenajack2036 Месяц назад

MARISOL CORDOVA is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

@bsetdays6784 Месяц назад

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

@lynnellechappell3337 2 месяца назад

🎉 You all inspired me & I quit my job yesterday, I'm 53. I was looking into the countries you mentioned & I have my 500k IHG points but I was able to book a year worth of cruises for about $1k/mo so I'll live on cruises first then branch out to maybe Thailand or one of the other places you mentioned. I also took your RU-vid class & I will give that a shot soon. THANK YOU SO MUCH for leading the way. 🏆❤️🎉

@Angela-ne9cy 2 месяца назад

Wow, this is really cool!!! Good luck!

@GroundedLifeFinances 2 месяца назад

That's awesome, so happy for you!

@gabrielapaulinho1luv 2 месяца назад

That is 💯% awesome! You took a leap of faith, and that's courageous. I wish you a very happy retirement and lots of meaningful fun and you continue living with purpose. Safe travels as you live on the cruiseship and, beyond that, traveling to and living in Thailand and other countries!❤

@allenmapes8723 2 месяца назад

I love what you are doing, but HOW in the world are you able to get a year's worth of cruises for about $1K per month?!?!?!?!?! We would love to sign up for a deal like that. How did you do it? Please and Thank You.

@tammyjohnson6822 2 месяца назад

I too would love to know how you snagged a cruise deal like that! Please share 😊

@Tonymanero1960 2 месяца назад

As much as I enjoy all of your channels,.....the best part of your videos is the love and respect you show for each other,....and the back and forth between the 2 of you is flawless.

@kene8895 2 месяца назад

Yes, nice to see!

@GroundedLifeFinances 2 месяца назад

Thank you so much

@leanne7306 2 месяца назад

What you are doing sounds awesome. I would love to know how you discovered this way of life and how you got started. This is something that I would be interested in doing soon. I enjoyed your video. I just found your channel. Thank you for sharing.☺️

@thenigerianfile 2 месяца назад

I was thinking the same thing. The willingness and ability to cooperate for a mutually beneficial outcome is so key in my experience. Great content.

@micheal_mills 25 дней назад

The only American who won't acknowledge this Administration's failed economic policies is Joe Biden. "Shrink-flation' is the least of our worries compared to rising rents and stagnant wages, but it is an undeniable indicator of how bad our inflation has gotten. I have $100k that i like to invest in a non-retirement account, any advice on that?

@donna_martins 25 дней назад

I would avoid index funds, mutual funds, and specific stocks for the time being. Right now, the best option is a fixed income of five percent. Put money aside for the times when the market really starts to bounce back.

@robert-1miller 25 дней назад

45% of Americans do not invest in the stock market because of lack of guidance. Every year you don't invest, you are falling behind. I’m hitting numbers in the stock market I used to dream of… Going from $50k to $600k in my portfolio is surreal all thanks to insights from my financial advisor.

@Trevor_Morrow_LTD 25 дней назад

How can I reach this person?

@robert-1miller 25 дней назад

'vivian jean wilhelm’ maintains an online presence. Just make a simple search for her name online.

@Trevor_Morrow_LTD 25 дней назад

Thank you for this pointer. It was easy to find vivian handler, She seems very proficient and flexible. I booked a calI session with her.

@ronawronker3844 2 месяца назад

You lost me at “we have a $4000 a month income from working online “that’s not being retired. If you’re earning just under $50,000 a year, that makes your lifestyle feasible. I’ve been hoping to find out how you actually RETIRED with $300,000. 😐

@Coast_to_Coast 2 месяца назад

If you don’t have a lot of money get over it and move to someplace more affordable or work part time. The options are endless.

@GT-1902 2 месяца назад

@@Coast_to_CoastThat could be a shortsighted solution, depending.

@GT-1902 2 месяца назад

Correct, they’re not retired; but I’m sure they’ll receive a few views & likes just for pretending! 😜

@joycew.6531 2 месяца назад

@@GT-1902 LOL!!!!!!!!!!!!!!!!!!

@nino714 2 месяца назад

Yep. What they are saying is you can exist or survive on $300,000. Using the 4% rule that’s $12,000 a year which is technically doable but that’s no way to retire. You need money for visas, emergencies not to mention fun, activities, more travel., etc. Do you just want to exist in your retirement?

@blind_luck_ Месяц назад

My $2m retirement account has gone up only by 2% in the past year due to rebalancing I did out of fear uncertainty and doubt. What are best alternatives to take in other to secure a financially free retirement and achieve ultimate peace? I don’t want to fail after 22 years of working hard.

@AntagonisticAsian Месяц назад

Do you plan on retiring before 59? That is what determines it for me. I switched to cash flowing assets because I wanted to retire early

@greekbarrios Месяц назад

At a point like this, when the pressure is already on you to retire, its best recommended you seek the services of an advisor, as this allows you make smarter investing decisions.

@TylerofSc004 Месяц назад

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

@Wendytsang12 Месяц назад

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.

@TylerofSc004 Месяц назад

She goes by ‘Jill Marie Carroll’ I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

@hellokt9101 2 месяца назад

You mentioned house sitting on then I spent an hour down that rabbit hole and am AMAZED at the beautiful homes all over Europe in places I want to see! Two years to go until 62 and then we'll have our $4,000 per month in SS and work pensions without touching our savings! I'm so excited!! Many, many thanks to you both for teaching us that it's possible.

@GroundedLifeFinances 2 месяца назад

Awesome, the website most people use is trusted house sitters

@2ndSprings 2 месяца назад

Shared to LinkedIn and Facebook. April 2 is my last day at work. Just turned 55 and we're making "the leap". Your content and story is great.

@GroundedLifeFinances 2 месяца назад

Congrats!

@kathyoliva6966 2 месяца назад

Congratulations

@polreast Месяц назад

First of all I must say, you guys look good together and the $4k monthly already set you guys well for this journey so I guess the moral lesson here is to figure out how to get up to this type of monthly income… but I can’t think of anyway that wont be like slavery to I and my wife

@JosephineGaule Месяц назад

Very true but this depends on the way you decide to look at it, In these situations, you have to find a way to make your money work for you… meaning you might need to employ a professional to handle it..there is a lot of money in the online space and people don’t realize that

@robertthurmond8161 Месяц назад

I agree as I am a living testimony.. tried to dabble into the trading world with no experience and no help just my little finding, almost lost everything until my wife found our FA right after covid… now we make over $150k monthly even after paying our commission and reinvesting… A licensed professional can never go wrong in my opinion

@robertthurmond8161 Месяц назад

There are many FA to work with as far as they are licensed but I work with Mrs Anna Rounds Fay and you can look her up as she is popular in the US… courtesy of my wife🤗

@robertthurmond8161 Месяц назад

I agree… I had to get an FA after doing a terrible job working for myself… now I make about $80k monthly after deducting commission and taxes… some people are made for this field.. so I try to pay the piper and let division of labor do its thing

@emilyhowe3359 Месяц назад

Pls how do I reach your coach? Been looking to invest heavy with the right approach but don’t know who to work with

@cynthiaivers1708 2 месяца назад

I love how so many of the commenters say $300k isn't enough - majority of Americans (singles and/or couples) don't have anywhere close to that amount saved when they retire. In fact, majority of Americans live paycheck to paycheck.

@lonesometinman3147 2 месяца назад

No shit man , I just applied.for SS , turned 62 in December.'23 they'll be sending me 1500. Month . I figured better get something back before the politicians squander all our money. I've been working all my life . bought my first car at 16 no help from mom even less from the loser my father was , tossed money into the pot every week like most Americans do. So I encourage all to take SS early while you can.its only a matter of time before the bottom drops out.

@orionvassi Месяц назад

People live way beyond their means. They're the ones ordering doordash avocado toast and think you need $10k a month just to survive.

@down-the-rabbit-hole Месяц назад

Totally agree with you. I laugh when I hear news stories about how the average person will have less than 500k when they retire. It is way way less then that. I'm not sure where they are getting these numbers from, but they aren't true.

@down-the-rabbit-hole Месяц назад

@@lonesometinman3147 keep your chin up my man, you'll find a way to make it work. And you are in the majority, not the minority.

@down-the-rabbit-hole Месяц назад

@@orionvassi exactly! Also a friend of mine lives in his camper and even though it's tight, he's been living off of Social Security while in that Van and doing just fine and has been doing it for just under 15 years. Yes, it's not the preferable choice, but it gives some people hope who think they are doomed to homelessness, just because they don't have 100k+ saved up.

@jameshall2299 2 месяца назад

I’m 53 and retired 2 years ago with about $1000 pension and $750k cash that I earn $3,000/month invested in cds at 5%. I never touch my principal and when I reach age 62, I’ll have another $1800/ month hopefully. I’m actually retired and don’t need to work to produce an income stream as I’m debt free and money conscious. I just returned from Thailand and Vietnam for 3 months where my budget was about $1800/ month.

@Katrina-ps6jn Месяц назад

$1800 a month? Based on this video with 1 month rent of barely $200 a month, it doesn't add up.

@cypress_piper Месяц назад

DOes the CD let you withdraw penalty-free on a monthly basis or do you only withdraw when matured?

@jameshall2299 Месяц назад

@@cypress_piper when you buy a cd, the coupon or payment frequency is listed as monthly quarterly, biannually or annually at maturity. I have most of my cds paying monthly and a few paying quarterly but monthly is my preference. Usually a cd paying monthly has a slightly lower interest rate but usually very close to other rates.

@stevesilver7437 Месяц назад

Go on treasury Direct. Buy Tbills over 5%

@carlo6912 17 дней назад

WOW, that is amazing, thank you for sharing, you gave me some ideas how it can be done.

@TerryW5379 2 месяца назад

From what I’m hearing is that your not actually retired. Your making you tube videos and some other things to make $4,000 a month. With the $300,000 in investments you could take out 4% a year which is $12,000, but would be best to let that money grow especially at your young age. The other is the need for health insurance which isn’t cheap and then there are taxes to pay on the income your making including the gain on your investments, etc. What I like is is that your doing your own thing and happy with your life style. Thanks for the video and continued success.

@redimefaj9794 Месяц назад

health care is cheap in othert parts of the world.

@annhysell6064 2 месяца назад

Excellent advice. Thank you for mentioning the mental aspect..the relief of not needing to maintain a property, furniture, HOA fees, taxes, utilities..the list goes on. Definitely there is a way & the "adjustment" might bring far more pleasure than one realizes prior. Well done.

@Mxm9966 2 месяца назад

Watching your video today lifted a lot of my worries. I can’t thank you enough! I am close to retirement but have always felt nervous about making the jump. You set a great example for us that we can always make things work if we are willing to make some changes.

@GroundedLifeFinances 2 месяца назад

That's the key, there are options for everyone

@Retired-jr3qs 2 месяца назад

Wow!! Your story is inspirational. I really appreciate you sharing this because it will help so many people.

@1RoseLia1 2 месяца назад

I absolutely love you both! You all give me hope, encouragement ~thank you all from my whole heart!

@GroundedLifeFinances 2 месяца назад

Thank you

@jumpintofall56 2 месяца назад

Your channel is such a blessing to everyone who needs a wake up call to think outside of the box! Can't say it enough, THANK YOU! Stay safe! Stay happy!😊❤😊

@GroundedLifeFinances 2 месяца назад

Thank you

@caseghafour7396 2 месяца назад

Thanks so much for this video!

@lesliewilliams9072 2 месяца назад

What an absolutely fantastic blueprint you all are providing for living a life of fun and joy! This is very much appreciated, especially your detailed summaries of budgets, costs for different regions, etc. Thank you!❤

@GroundedLifeFinances 2 месяца назад

Thanks so much!

@abeeiland2996 Месяц назад

Beautiful to see you both have taken control over your time on this earth. Thank you for sharing the fact that time freedom is feasible even to the hopeful individuals.

@greenheaven1802 2 месяца назад

The best practical advice from nice couple thank you

@VickiTimoteo Месяц назад

Such positive advice! We are moving to France next year, just because we love it!

@slowmads 2 месяца назад

I appreciate your videos as I, too, worked in non-profits my whole life and never imagined I would have enough to quit working. But I DID (with $750K). More than you but FAR less than most of my friends and all the experts say you need. BUT, I am REALLY retired-my only income is Social Security. I need to withdraw $30-$40K a year to travel full-time (we’re now in our 4th year). The calculators all say it should last us. We are die with zero folks-our kids are on their own and will be fine without our money.

@0T7VK 2 месяца назад

This one made me subscribe :). I know it is possible but you are the first who outlined how it can be done.

@GroundedLifeFinances 2 месяца назад

Awesome, thank you!

@markandannette 2 месяца назад

You both have been a wealth of information and so helpful in our journey to retirement. Thank you for this video, I’m sure it was not easy opening up this much about finances but boy it was very comforting for my wife and I to watch. We have already sold all our possessions in our house and we close on the house tomorrow. We board a ship to go to Rome on April 21st and spend our first two months in Italy, then on to Croatia and the Balkans until we head back to visit family for the holidays. Keep up the great content we love watching you guys and are thankful we found you on RU-vid

@GroundedLifeFinances 2 месяца назад

Thanks!

@bobackerman54 2 месяца назад

your journey wouldn't be for me but i am so HAPPY for you ... thank you for showing others that there are options out there and is certainly doable with less than a million ... Bless you both ...

@GroundedLifeFinances 2 месяца назад

Thank you so much!!

@LinN4Yuh 2 месяца назад

So glad I found you guys. I’ll be busy going through your back log. ❤ Traveling full time is my retirement dream but my husband is a maker and probably won’t give up his workshop completely. My compromise is to “snowbird” in a different place each year but we will see where we are at when the time comes.

@ApproachFinancial 2 месяца назад

Great to hear it's going well, and have a great time! With that level of assets, it's pretty easy to manage your tax burden, leaving more time/freedom to enjoy your travels, etc.

@jacquesjourney 2 месяца назад

I love this, it gives my hubby and i hope. ❤

@GroundedLifeFinances 2 месяца назад

Awesome

@rosalindhb 2 месяца назад

I am kind of doing the same thing. I will have a pension and 401k, with no savings (retiring at 54). I'm moving in with a friend to cut down on expenses here in the U.S. After taking a break from a serious illness, im going to work at least part-time to pay off some bills. Then go abroad at some point. I want to go to Europe. But I realize I need more money. Hopefully cutting down on expenses for a few years, I can save.

@GroundedLifeFinances 2 месяца назад

All the best to you

@WrldExplorer 2 месяца назад

I am kind of similar to you. Just retired two years ago with a pension, also receiving disability from the VA. I had plans of moving to Portugal, but accommodations are getting too expensive over there. So I am going to Colombia instead. My girlfriend who lives there mortgage will be paid off within a year, and I thought it would be a better idea to built up enough money after, to put down on some real estate in Portugal to keep accommodations very low. So I think Colombia would be a better financial path to Portugal. It may take a couple years, but it’s better than going there paying rent at the same rate as I would hear in the United States. Make sure you go over all available options. My first option was to go directly there and figure it out without a long term plan.

@dianesalvatore5018 2 месяца назад

You can do it!!

@Monas99 Месяц назад

Europe IS EXPENSIVE, I know because I live here. Asia or South America is cheaper and more affordable to retire to.

@dominiquetheeasyminimalist 2 месяца назад

I'm retiring this year with $350k and my only income will be dividends. I'm moving to Cambodia as a base, and will travel from there. One thing RU-vidrs never mention, is the visa situation. There are very few countries where you can permanently live or get a retirement visa unless you invest a lot of money. You have to move every 30-60-90 days, or do visa runs which don't guarantee that the customs agent will let you back in. It's not that simple unless you are willing to live in your suitcase 🙂

@clintonhauck7893 2 месяца назад

I'm in the process of getting my residency in Ecuador. If you have a bachelors or higher, you can get permanent residency. That's literally it. If you don't have a degree. You can put 50K into a CD for 2 years and earn 8-10%. That's literally all you have to do. Get permanent residency and then in 5 years, u can test, become an actual citizen and then have 2 passports. Panama is very easy to get residency as well with 0 investment

@janemcgrath9773 2 месяца назад

My brother planned his retirement to Thailand. $25K to get get green card and proof of a one year lease.

@dominiquetheeasyminimalist 2 месяца назад

@@clintonhauck7893 I will never put $50k in a bank located in an unstable country...

@dominiquetheeasyminimalist 2 месяца назад

@@janemcgrath9773 When was that?

@janemcgrath9773 2 месяца назад

August 2023

@tristagt835 2 месяца назад

Good to see people with real numbers.

@runacreevey1342 Месяц назад

Yes. I did charity for years. Sorting and pricing to get a profit to provide funds for many projects for global health care. You opened my eyes to an avenue that will help my family who struggle everyday. You rock.❤

@mixnmichael1 2 месяца назад

There's always an option. The experts recommend $2.300,000 million to retire. That rent in Thailand is less than an HOA at a condo in Phoenix.

@GroundedLifeFinances 2 месяца назад

This is so true

@lees7340 2 месяца назад

I live in Malaysia for less than the property tax I paid in the U.S. 😂

@mixnmichael1 2 месяца назад

@@lees7340 do you have a long term visa?

@InvestingWithAdamK 2 месяца назад

@@lees7340how long have you been there and do you like it? We have been discussing it and visited last summer

@lees7340 2 месяца назад

@@mixnmichael1 I am originally from Malaysia, my American husband lives here on a long term visitor visa for spouse.

@ADAdams-wn1nc 2 месяца назад

Thank you for your helpful videos and your transparency on how to retire on less than advisors insist upon.

@GroundedLifeFinances 2 месяца назад

Glad it was helpful!

@jnsa9454 2 месяца назад

Thank you for sharing your number here. Very helpful

@GroundedLifeFinances 2 месяца назад

Glad it was helpful!

@kansaidan2302 2 месяца назад

Practical couple with wisdom that can help finances . . .

@gemmeg2 2 месяца назад

Your story is amazing!!

@GroundedLifeFinances 2 месяца назад

Thank you!!

@Jendowney1619 2 месяца назад

Thanks for speaking frankly.

@peter1835 2 месяца назад

I agree I had to do my own numbers also. I lived off of less then 15k per year for 12 years while working full-time retiring next month and plan to live off 15k till I die, let's just say that's way less than 1 million and I am happy living this way just trust yourself and don't listen to much to others.

@GroundedLifeFinances 2 месяца назад

Everyone needs to figure it out, that's awesome what you've been able to do.

@Lotusblume.8 Месяц назад

Wow that’s amazing. How did you do it, if you don’t mind my asking?

@aglopryce552 2 месяца назад

I can't get enough of yiu content, experience and expertise on the alternative approach to retiring. Thank you. Can yiu guys share how you deal (or dealt) with the detachment from family/friends?

@GroundedLifeFinances 2 месяца назад

Yes, we will plan to, but the short version is we've made tons of friends travelling.

@claireruf7556 2 месяца назад

Thank you for this video! I’m getting ready to leave the US soon! October or even sooner! I too, don’t have a lot saved but I will make it work and this video encourages me that I can make it work!

@GroundedLifeFinances 2 месяца назад

You got this!

@good2begreen99 2 месяца назад

Love your channel and videos. Amazing life you are living. I retire at fifty years old, seventeen months from now with a roughly 80K/year pension. Slow travel here I come!

@GroundedLifeFinances 2 месяца назад

That's awesome! Where do you plan to go?

@good2begreen99 2 месяца назад

@@GroundedLifeFinances My family and I are interested in traveling literally everywhere! We visited nine countries in Europe over a month last summer. Italy is on our short list if we actually move and become tax residents. We may just establish a condo in an income free tax state in America and slow travel. Our time will be spent in Europe, Central America and Southeast Asia. Hopefully we have a long time to experience the world like you two. Thank you for sharing all of your experience and knowledge.

@bstamp1354 2 месяца назад

I really love the numbers. It seems everyone has anxiety about whether or not they have enough to retire. I'm about in the same ballpark as you and just knowing that somebody else did it, eases my anxiety quite a bit. Thanks for the video

@beatricerights 2 месяца назад

Sorry, I would not retire with 300k unless you have other income sources as they do. They are still working and not relying on their portfolio. I have 4x the amount with a future pension and I'm still afraid.

@livingworkingoutsidebox 2 месяца назад

@@beatricerights I recommend you look at how much income your investments produce (dividends), then look how so many others are slow traveling for $1200 - $3200 in Southern Europe, Eastern Europe, South America, and of course South East Asia. 🌏 The hardest is to take the first step. Good luck 👍 And it sounds like you are in great fiscal shape to slow travel the world 🌎

@pathkris2984 2 месяца назад

@@beatricerights Fair assessment. The problem is, with 300K, if the market takes a downturn in the beginning you will be wiped out. As long as you can make money even if it couple of thousand per month on the side, then you can manage in cheaper countries outside the US.

@beatricerights 2 месяца назад

@@livingworkingoutsidebox I guess fear is a great deterrent and I have luxurious taste.

@edflaherty1887 2 месяца назад

To pay for living in a house can easily cost $2,000 / month mortgage - $750.00/ month taxes - $100.00 /month insurance - $100.00 /month internet - $50.00 /month water - $ 150.00/ month for keeping the home updated . Then comes a furnace replacement, new roof , new kitchen, ect. That's already $3,150.00 and may easily be more. To own one car can come in at $600.00/month with payments, insurance, maintenance & fuel. And this is for only a modest car. Now we are up to $3,850.00 /month . One needs to earn about $ 4,600.00/ month gross to net $3,850.00 net. This number is only for housing and transportation and nothing else. No wonder half of the country lives paycheck to paycheck . The great American dream is now a nightmare . Your thinking makes a lott of sense.

@lindadorman2869 2 месяца назад

A lot of people live well in America without a house or a car. I've rented the same $1200 apartment for 6 years and my rent has never been raised. I take public transportation and rent a car every few months when needed. My total expenses are under $2000/month. The trick is to stay out of debt and stick to a budget. It was only when I got rid of the house, car and other things that I stopped living paycheck to paycheck and was able to start saving.

@deborahb.277 2 месяца назад

Wow, you nailed the expenses. With a few tweaks that’s my budget. I have a beautiful pool home on the golf course and drive a hipster car, but I’m bored. My adventurous spirit needs to go.

@randymillhouse791 2 месяца назад

The new American dream is to leave the USA. And, why not? My great grandfather left Norway for the USA in 1905 for a better opportunity. I can do the same by leaving the USA.

@OlegScherbina 2 месяца назад

@@randymillhouse791exactly, nothing is constant especially in 100 years.

@MsFBell 2 месяца назад

@@lindadorman2869 ❤

@josephcler3299 2 месяца назад

You two sure like to live on the edge, that seems a little too stressful for me. Good job!

@bobbynorward8521 2 месяца назад

I've been watching alot of your videos of late and was wondering how much it was that you started your early retirement with. Thank you both for very entertaining and informative videos.

@Tra980 2 месяца назад

They said it in the video…$300k cash plus $4000/month online income

@Tra980 2 месяца назад

@@bobbynorward8521it’s this video …they went over what they had

@livingworkingoutsidebox 2 месяца назад

As always thanks for breaking this down in such a clear manner. I think it can be difficult for some people to grasp what retiring from a RatRace type job and career and being able to find your passion project. Be it fishing, playing golf, volunteering or even creating content around traveling the world and financial literacy. 😊👍📺💡

@GroundedLifeFinances 2 месяца назад

Well said!

@allenmapes8723 2 месяца назад

This is my 2nd video that I have seen you do this week and Yes, I clicked the Like and Subscribe buttons. The first one was the Vietnam video, IHG with the awesome food, prepared basically just for you for FREE! My wife and I have retired 2 years ago (age 60). I am guessing if I knew what you have taught me so far, we would have retired 10 years ago. We love your videos. I will be watching all of them to help us plan even better. We love to travel and cannot wait to explore more of the world. You have been very helpful. Thank YOU!!! Maybe someday we can end up in the same city for a bit.

@GroundedLifeFinances 2 месяца назад

Thank you so much!!

@edgonzalez186 Месяц назад

Retirement comes from that $4,000 mo., not the $300,000 invested. My story will be, "I retired with $0... with $10,000 comin in from rental units. Still the advice is good.

@calvinreichelderfer7989 2 месяца назад

Wow!! I love your willingness to leave the USA. I’m not adventurous enough to leave the US I’m happy for you two!!

@comment5884 2 месяца назад

❤ yeah, you said your names again. Love the show . ❤

@GroundedLifeFinances 2 месяца назад

I'm going to mention to Allie that we need to do that more after your comment. Thanks, we didn't even realize it.

@traceylankford8579 2 месяца назад

Can you do a post on your investment vehicles? People always talk about invest, but never tell you how. Thanks and keep up the great content. I always look forward to it.

@NewbieSoaper 2 месяца назад

Thank you, for opening my mind! That’s why you are prospering and prosperous Still trying to find my niche Yes! I’m interested

@GroundedLifeFinances 2 месяца назад

Wonderful!

@josephcercy8117 2 месяца назад

I thought that it is unrealistic for most people to live at the same standard in retirement as they were when they were working. Thanks for sharing this.

@robertm.4916 2 месяца назад

Really good information guys without the financial advisor jib-jab. Keep em coming!

@lpmama1196 2 месяца назад

Thanks for this practical assessment. Our finances will be determined by an inheritance, ss and small pension. It looks like we could just about swing it. My issue is that we have a 90-year-old mother in assisted living and we are her only family to provide care. We also have an aging dog. Currently I feel so trapped and I have "itchy feet" but eventually we'll be free to travel as we like.

@sandrap4188 2 месяца назад

I am alot older than you & I can tell you early retirement is not realistic at $300,000. Trust me, costs with a chronic debilitating condition is astronomical, even with medical insurance. You will most likely need to come back to the US if you need longterm treatment. If you are sick &/or can't get around independently, you will not be able to physically live abroad. If you are young & healthy, definitely do travel & live abroad. But once you get in your 40's, start thinking about wheelchair accessibility & how can you afford a medical leave of absence if you or a partner need longterm care. And definitely sign up for longterm care insurance because that $300,000 won't last very long with a chronic condition. Wish I had a crystal ball to see what age 60 had in store for me. I would have planned better financially.

@JakeRichardsong 2 месяца назад

They already did it.

@fdm2155 2 месяца назад

There are countries that offer private insurance at drastically less than the US and medical care is a fraction of American providers.

@Deltron6060 2 месяца назад

Longterm in home care is much cheaper abroad.

@nsr60ster85 2 месяца назад

It's depressing to think so, but if you're looking for affordable healthcare, you would be better off almost anywhere else in the world.

@jamiehush 2 месяца назад

I moved to Taiwan three years ago. Health care is way cheaper and way more accessible than when I lived in the USA. I’d NEVER go back to the USA for health care.

@mathierocker6900 2 месяца назад

frankly, I follow your videos just to listen to Allie's melodious, well- modulated voice.

@Maniakkkkkk 2 месяца назад

I am currently in my 60s and This is no time to taper retirement savings. I want to max out my retirement contributions and I also have another $200k in a savings account that i want to invest in a non-retirement account. Should i put it in a HYSA or buy stocks?

@blind_luck_ 2 месяца назад

Research dividend aristocrats and choose six to ten companies with over 25 years of dividend payments. Consider working with a financial advisor to build a strong portfolio.

@AntagonisticAsian 2 месяца назад

Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. Faced a similar situation and I sought advice from a fiduciary advisør. We've been able to build a 7 figure portfolio that has averaged an annualized return of 40% in the last 8 years.

@Wendytsang12 2 месяца назад

Your advisor seems highly competent. How can I reach them? Having recently sold a property and planning to invest in the stock market, I could benefit from some guidance.

@AntagonisticAsian 2 месяца назад

She goes by "Melissa Elise Robinson" I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

@Wendytsang12 2 месяца назад

Thank you for sharing, I must say, Melissa appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled a call.

@OurRetireEarlyJourney 2 месяца назад

A lot of Financial advisors also are into it because they are making money off your investments. If you target your numbers based on the lifestyle you want to live... and start living that... you can easily figure out how much you need.

@GroundedLifeFinances 2 месяца назад

Very true

@melodyn6419 Месяц назад

Can you make a video talking about your original $4000/month online income? Looks like that's the real reason you could retire early. Is that youtube Ads income?

@melissaumphress7372 Месяц назад

Thank you so much for this. We've lived in Thailand before and traveled pretty extensively. It was 10-15 years ago through so we were curious how much it went up. We are planning to retire completely and live/travel overseas when we turn 50.

@GroundedLifeFinances Месяц назад

It would be fascinating to know what it was like 15 years ago. Our first time there was 6 years ago.

@PapaBradAbides 2 месяца назад

This is really great information I really thank you for putting this up there cuz I am planning on retiring in 62 in June. And doing solo travel in the Schengen zone. To start with And I was concerned that I wouldn't have any money to do this with free length of time. I'm seeing that I was wrong absolutely. I see your next video is on Bitcoin I'm not a fan but I'll take a look Thanks again.

@memphistnliving 2 месяца назад

$300K is a little bit tricky number. With March 2020 stock market dip do you still expect $1000/month dividend income even in safe vehicle like index funds. I like the way you planned your travel and make it work. Now, your annual income is more than networth all these years working. Luck favors the brave. Enjoy!!

@twbird18 2 месяца назад

$1K is only 4% of $300K. It's actually quite a low estimate. Even right now with the current HYSA rates you can get 5-6%. There are multiple funds that are paying out 10%+, they just involve more risk so like with everything, it's up to what you can personally handle. Even if you didn't invest it at all, $300K will last 25 years at $1k/month. It's a lot of money if you're frugal.

@jeffsitka 2 месяца назад

Valuations don't necessarily affect dividends. There are plenty of companies that maintained or increased their dividends through the 2020 dip.

@memphistnliving 2 месяца назад

That's a good information share@@jeffsitka

@mogain9258 2 месяца назад

The 2020 stock market dip was famously short. It was a good lesson to stay invested and ride out the dips.

@Wasteoftime10 2 месяца назад

@@mogain9258 From 1929 to 1992, the inflation adjusted capital appreciation of the stock market was 0%. Thats 63 years without any appreciation.....Zero. So much for market dips being 'short'.

@PrimeTimePat1 Месяц назад

Great video people need to learn to get out of their ways and comfort zone. Or they will be in the same place forever

@frankornelaz8234 2 месяца назад

Great video. After watching your videos I decided to retire. I should have retired ten years ago. I have more money than I can spend. Thanks

@fortunatastabile2362 2 месяца назад

We moved from New York City to florida, I just got my first social security check, 2324 a month, we paid cash for the house, all in with everything electric cable taxes insurance etc, is about 900 a month plus repairs. It's an over 55 . We might get rid of the car next. My wife won't collect social security for another seven years. We need about $4,000 a month to do everything. I know how to make pizzas, I was offered a job for $15 an hour, I can fall back on that when my savings run out

@susangarrard2753 2 месяца назад

There is always a way for it to work 💯%

@GroundedLifeFinances 2 месяца назад

You got that right!

@gottuso Месяц назад

This is my Eureka video.

@stevenharms5368 2 месяца назад

Being able to listen to the "how" of your lifestyle is wonderful. The practical, but not so common, approach is refreshing. A partial answer to my question came with your words, 'we'd be able to go back to our US lifestyle, but we don't want to.' The question was for very long term planning, say age 80., still life abroad, or something else? Thank you.

@GroundedLifeFinances 2 месяца назад

We haven't decided yet, but probably either Thailand or the US. It'll depend on family too.

@michaeltoma1023 2 месяца назад

We worked hard and blessed and have about 7x the amount you started with...but my wife thinks it's never enough. I'm more yolo. We're your ages and your channel is giving me the 'ya see' thrust to shift my wife's thinking. Thank you guys!

@pattylovesneal 2 месяца назад

I think you guys are wonderful....truly! But for a lot of people, this is impossible if you have children to take care of and grandchildren etc. We are tied to our families here in the states. But if things were different, then your lifestyle is lovely! I do agree, you do not need millions to retire and enjoy life!

@ejd345 2 месяца назад

Hi Rob and Allie-Is there any way you could give any advice on where to get health insurance that covers internationally?

@scriptimonicaonset 2 месяца назад

Love your videos, and your advice. It’s very sound, and it makes so much sense. My husband and I are retiring this year and we’re downsizing our house from a four bedroom to a two bedroom condo. We’re thinking we should have about 300,000 in equity to invest similar to you too. We wanna follow your lead on the traveling. Our experience with investing in the stock market has only really come from what we’ve learned from you guys. Which dividends stocks would be best once we get the cash out from the equity? And do you have a special subscription where we can get stock advice from you?

@Mayrose587 2 месяца назад

Great video. That 4k per month is an awesome supplement. New to the channel. So you guys live outside of the US?

@charisserivers1246 2 месяца назад

ARE YOU CRAZY??? I would say this might just work for some people who have the tenacity, want to travel, get away from the monotony of work life, no kids, empty nesters or love the chase!!!I FYI, don’t judge all financial advisors 😊. I love what you two are doing and I am absolutely shocked on your advice in just two videos. Also,I don’t comment on anyone’s stuff…so great job!! I have used your advice within 3 hours of watching two of your episodes. You probably saved me 10k in the next 12 months, if not more! I just saved $1,600 instantly on a trip I had already booked. I cancelled it and then used your info and rebooked trip. ❤ I’m not sure I advise retiring in your 40’s with 300k, but after doing the math, I can see how this could work with less stress than working for a careless boss that cares about themself more than humans. I will keep watching to see if this can work for the next 30 years of your retirement lives. I only worry that the chase will get old and being home sick not having that bed to return to that you call your home could be missed. If this happens my question I would ask yourself if 300k is still enough to live on in retirement? If you are living on your dividends now, then the portfolio isn’t growing to much if you are picking stocks that are staple for companies. Good luck and I really love your info. Charisse Rivers with Retirement Coffee Talk Radio and Podcast. Would love to have you on the show one day.

@robertmcfarlane4151 2 месяца назад

A couple of questions that I have about this amount. The first is, as you grow older, and enter the Slow Go, and No Go years of retirement, are you expecting to maintain the RU-vid revenue each month? Does RU-vid pay for past content, or only new content and active subscribers? If that $4000 a month on RU-vid goes away, this could make things very tight when you aren't as mobile. Second, what will the health care and coverage situation be for you as you get older and looking to settle down and not being as mobile? Can you get health care coverage? How much is elderly care in places like Thailand? Are you no longer US tax residents? I am assuming that revenue currently generated requires tax payments, and that also eats into your after-tax budget amount. 5% return on $300,000 assumes the market will cooperate or bond yields remain high. Continued good luck to you both. Enjoy the travels.

@jonathanfoster2263 2 месяца назад

I'm moving my 401K into an IRA right now, I'll be putting most of $600,000 into various dividend paying stocks, ETF's and REITS. I am 59.5 now but will be able to easily live off of those dividends. I also should have a 2-3 year cushion of cash in a HYSA on top of that by the end of this year when I pull the plug on my job. I'm really looking forward to it.

@GroundedLifeFinances 2 месяца назад

Awesome! Sounds like a great plan, well deserved

@pathkris2984 2 месяца назад

Great plan. Good luck with your retirement.

@meshawnf 2 месяца назад

This is amazing. I may have missed it in a previous vlog, but how do you handle healthcare expenses?

@GroundedLifeFinances 2 месяца назад

It's all laid out here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-8nilX1aC8q0.html

@fluffie6568 2 месяца назад

This is my first time to watch your video and you guys are very inspiring! I am also planning to retire early. I am curious, what website do you look at for places to stay, when you are in international, like the one you showed at Pattaya, Thailand? That is a really good deal. Thank you!

@GroundedLifeFinances 2 месяца назад

That is on AirBnb

@NoProGoPronto 2 месяца назад

Hello from wild & crazy New York City 👋🏽I just wanted to say how much I appreciate the topic of this video. I'm so tired of how the United States keeps trying to make its own citizens feel worthless and like we are doomed to a life of poverty if we don't work until we're 90 years old then die with 5 million dollars in the bank. I retired Jan of this year (2024) at the age of 57. I'm single, no children, healthy, and best of all NO DEBT! Nobody is going to tell me I'm too young to be retired. I worked at my job for 35 years and now the only thing I'm interested in doing, is whatever the hell I want to do! New subscriber and I love your channel(s)

@GroundedLifeFinances 2 месяца назад

Great for you!

@fdm2155 2 месяца назад

I think part of this push is because corporations realize the employee base is shrinking as Boomers and Gen X retire

@NovelNovelist Месяц назад

What a fantastic video! Thanks for sharing this alternate retirement path. One question: Not to be a naysayer, but genuinely curious -- what happens when you get older or experience a health decline and can no longer travel full-time? Will you have to return to the US before your visas expire? But what if traveling at that point is difficult? And what would that look like having to be back in the US during those expensive final years?

@PrimeTimeTravelers 2 месяца назад

You both inspire us so much! We have so many plans and hope to implement them all someday. What cell phone company do you use? Do you get new sim cards for each country? Or e-sim cards?

@GroundedLifeFinances 2 месяца назад

We use esim, Airalo is the company, they've been amazing. Most countries are around $13 a month. It's 2:45am here and I'm still waiting on opening pitch! Could be a short sleep tonight, but seeing the first pitch is a tradition!

@PrimeTimeTravelers 2 месяца назад

@@GroundedLifeFinances Yeah at work in Orlando wearing my Tigers polo! Detroit plays at 4pm.....one more hour to go! Thanks for the info on the phones.

@MrSmythe24 2 месяца назад

Great video guys... you skipped over a very important part. Your online income... what work do you do online?

@RyGuyDCL 2 месяца назад

How much does medical coverage/costs factor into budgeting for this kind of living arrangement? Do you have an emergency fund set aside for unexpected expenses outside of monthly budget?

@jeffreysmith5018 2 месяца назад

Hey! Big fan of all your channels - very inspiring message about expenses etc. can you really consider yourselves retired ? You both seem to work more than most folks I know! Keep it up, I’m really enjoying all your stuff!😊

@GroundedLifeFinances 2 месяца назад

Thanks, we spend 5 hours per week on RU-vid.

@jeffreysmith5018 2 месяца назад

@@GroundedLifeFinances nice 😊

@susannesouza7456 2 месяца назад

Thank you for sharing! I am planning on retiring after this year at 55. I feel good about my finances but the one thing that does worry me is health insurance. Can I ask what you folks do about that?

@NicolasD414 Месяц назад

Doctor and hospital cost in South East Asia is very inexpensive. You don't need to pay health insurance every month and don't even use it most of the time. In Asia, you pay when you see a doctor or get any type of surgery. It is not expensive at all. Good luck.

@SuperFS11 2 месяца назад

International nomads? 😊 do you ever discuss or have you planned for when you’re older and nomad life is no longer possible?

@GroundedLifeFinances 2 месяца назад

The great part is every year we find new options that we like, so we talk about it often!

@ThanksJanie Месяц назад

A good investment advisor is going to advise you to save just enough to meet your specific financial goals based on your proposed budget in retirement. There is not a one size fits all approach. If someone tells you otherwise, they are not the advisor for you. I am inspired by your out of the box thinking and the amazing life you are living that you might not have had if you had saved 2 million dollars in retirement. Thank you for sharing your experiences here to inspire others!

@sallyprzybil2404 Месяц назад

If you invest in Index funds only ( choose at least 3 or 4) and stay away from bond investing you can create a nicely growing, safe investment portfolio that is very low on fees. It’s a bit of a slightly more aggressive portfolio than the ‘typical’ retirement portfolio. The typical retirement portfolio is heavily laden with bonds and those bonds slow down the potential growth of the portfolio. Using Index funds is more aggressive than that but it is also much safer, more stable than Actively managed Mutual Funds or Single Stocks.

@devonmadison5498 2 месяца назад

I love your videos! You guys are som inspiring! Question: Did you guys have anything in your 401k or pension? Or was the 300k all that you had?

@jessn.3851 2 месяца назад

$300k is enough for a single person to retire on in Southeast Asia, and for a couple sharing a bedroom sized apartment, although that might be tricky to maintain long term. I've lived in several southeast Asian countries, and as long as you pick a cheap apartment to rent, you won't even spend $1k a month.

@devonmadison5498 2 месяца назад

Thank you!@@jessn.3851

@blahblah-qx4uk 2 месяца назад

That $177 pm place in Thailand is a bedsit. One room plus a bathroom. There's a microwave but no cooker. Fine enough if you go on holiday and eat out 3 meals a day. More realistically longer term is $300 to $400 pm for a slightly bigger apartment.

@wgarnsey 2 месяца назад

Yes, but...for some (like me) in Jomtien, it is easy to eat out every meal and may end up costing the same. Me, I probably will go for around $500/mo as I would like more space and greater ammenities. Still $177/mo. show what could be possible.

@blahblah-qx4uk 2 месяца назад

@@wgarnseyYeh, I think the cost would be about the same. But for convenience you would want a better kitchen where you can fry up some eggs, or make toast etc. I have stayed in a place like that in Hua Hin and it's fine for a week or 10 days but too pokey for long term.

@Lotusblume.8 Месяц назад

I presently live in a small studio apartment in Florida and would have much more living in Thailand. I’d love to eat out all the time and taste all the delicious Thai food that I can’t make myself. Plus with a pool and a bike I’d be set. I’d be spending half of what I spend on my apartment alone now for my whole lifestyle. I would also totally want to learn the language because I’m a total language buff. 😊

@sallyprzybil2404 Месяц назад

Am very interested in your videos. I retired almost 2 years ago. My total investments was just under $300,000 at that time. I started saving late at age 60. Then it became difficult to save as life happens, and suddenly I was raising my newborn grandson. So, on top of trying to save for retirement I was also having childcare expenses including daycare while I worked, plus court and lawyer costs which eventually included adoption. That slowed down my retirement saving plan and retirement took on a different look since now I had a child to raise. I am a Retired Registered Nurse, a single mom/grand mom, so my income was ok. I was scared about my financial position retiring, still am, but am making it. I get a total of about $5000 a month from social security and a small widows pension from my late husband. So with that I have not had to touch my ‘nest egg’ and have left it invested in index funds for the past two years. It has grown nicely since then. Prices have gone way up where I live, including my rent. So this year I have decided to finally touch my savings for a down payment on a small house in an economically more reasonable area. This area is also close to a lot of fun things to do, nature, lakes, and near a touristy active city. Fun stuff for myself and my child. My plan is to never let my savings/investments dip below $300,000. To use that as ‘principal’ and yearly skim off about 4%, maybe a little more, as ‘bonus’ money for fun stuff. I’m going to keep our living expenses under our monthly $5,000 budget from Social Security and widows pension. It might take some careful planning but I think it’s a do-able plan.

@stevebrailsford4018 2 месяца назад

Hi thanks for your insight. Can you confirm to me that the credit card points system you are using is for US citizens? I'm in NZ and cannot apply for the Chase or IHC cards. Just a bit of guidance here would be fantastic for me and my wife. Keep up the wonderful videos. Steve & Julie

@GroundedLifeFinances 2 месяца назад

You can use the points still but you can't get the cards, correct

@chrisj302 2 месяца назад

Topic is misleading. If you earn $4000 in income from blogging and consulting then you aren’t retired on $300k. If you were earning dividends or interest off that $300k and living off that then you are retired.

@baconegger1450 2 месяца назад

do you acfually feel retired and free though? Seems like running the youtube channel, website, photography business, and non-stop travel planning would be a ton of work and just like another full time job. I still love watching you though and dreaming of following suit.

@GroundedLifeFinances 2 месяца назад

We no longer do the photography sales, and we spend about 5 hours per week making videos, which is like our hobby. So compared to our 50 hour work week, yes, very free!

@baconegger1450 2 месяца назад

@@GroundedLifeFinances A decade ago I started googling... how to get out of the rat race...& stumbled upon vanlife, which I thought was the answer until I discovered your channels. Now I'm thinking, living full time in hotels, on trains and cruise ships like you guys would be living the dream. Love your videos!

@Mightyluna 2 месяца назад

@@baconegger1450 I am trying to get out of the rat race and have been curious about vanlife. I'm fascinated by it, actually, and currently looking to purchase a small van. Not ready to make the leap but I might start off with outfitting it and taking a few road trips to see how it feels. I wish you the best on your journey of discovering what's best for you!