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Retired at 38: Why you're still poor despite that $$$ paycheck | 7 Bad Money Habits to fix

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At age 28 I was making 6 figures as a lawyer but I couldn’t afford to quit if I wanted. At age 38 I retired and moved to Bali to live on my own terms, achieving my ultimate definition of financial freedom. The difference in that 10 years was that I finally learnt how to manage my finances, recognize my bad money habits and break free from them so today I wanted to share with you the 7 money mistakes I was making that held me back and tips on breaking out.
It's hard to do but the liberation is worth the pain of change. SHARE this video with someone who you think may benefit from it 🤗 Thanks for watching!
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6 авг 2024

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Комментарии : 178

@JeanVoronkova Год назад

What's your bad money habit you wanna fix? To get up to 1 FREE APPL share, S$20 Cash Coupons & more 😎 ► j.moomoo.com/00mFgh If you're in the US, get up to 15 free stocks ► j.moomoo.com/00mFgh

@jonb3189 Год назад

I'm an American who lives in Tokyo. Living in Tokyo allows me to save so much money compared to my American friends / colleagues. For example, (1) I do not need a car, since public transportation here is so good, efficient. New US cars average $50,000. Add to this interest paid on the vehical, taxes, insurance, maintenance, gas, speeding tickets, etc, not to mention depreciation, and not needing those four wheels, a total game changer. (2) Japan has socialized medicine. Medical care here is cheap, and excellent quality. And, my Japan taxes are low, overall around 20%. This is because the government regulates prices big pharm and hospitals can charge the people. (3) My rent never increases, by law. Yes, landlords can raise rents, but it is extremely difficult to do so, and rarely done. I live East side of Tokyo, and mine is still at around $550/monthly and has been so for 15 years. (4) Japan has amazing Worker's Rights laws. Getting fired is nearly impossible. Other reasons too. Many of my US friends would (stupidly) refer to this as "socialism," but for me personally, it has allowed me to save far more than almost all of my American friends.

@JeanVoronkova Год назад

I lived in Fukuoka myself for a year - totally agree. I was an exchange law student in Kyudai back then but i was trying not to live off my dad so the moment i could spend conversational japanese i went off to do arrubaito like teaching english and working in a bar. There are so many social benefits and ways to live reasonably given the standard wage being paid. And so fun! I remember being terribly sick and paying very little despite being bedded and dripped. Good stuff. And the buses are incredibly on time!

@jonb3189 Год назад

@@JeanVoronkova I've been to Fukuoka, twice. Great city, and yet way too small compared to Tokyo. Honestly, I can grab a full meal at the local Denny's / Gustos for less than $10, no tipping needed, ever. And, I get my teeth professionally cleaned four times a year .... I mean why not. It's only $15 to $20 a visit, and cost to fill cavities (should they appear) are less than that. Really like your videos. Inspiring. Am working now to become a minimalist. After all as we get older, we value experiences over things. Hoping to slow travel the world by next year. Cheers to you and your husband.

@JeanVoronkova Год назад

Slow travel next year sounds very nice! I tried Tokyo out for a few months n it was very exciting but ultimately a very lonesome experience! Ppl r tsumetai naa compared to Fukuoka. I still love reading Murakami and Ishiguro tho - always brings me back to the Tokyo vibe

@heikorudi6105 Год назад

has nothing to do with America. why do you need a new car? I live in Europe with a $5k car, everything is fine.

@jonb3189 Год назад

@@JeanVoronkova Norwegian Wood was wonderful !

@IndianOutlaw1870 Год назад

"Pay yourself first" changed my life. The concept was introduced in the book, "The Richest Man in Babylon."

@JeanVoronkova Год назад

yes i agree it did mine too - except mine was really Kiyosaki + my mom naggin at me haha! I gotta check out this book The Richest Man in Babylon you're not the first who's mentioned it here! thanks!

@deirdremcintyre6552 Год назад

Thx Jean I am currently sharing your videos with my 20 year old niece for financial wisdom. She is learning 😊

@leixinda2569 Год назад

You are so objective and unemotional - fantastic . A good mentor indeed. Looks like u have been there and find that all over ..

@chefse5442 5 месяцев назад

I find it so refreshing that other people see the same things I see

@wilbotgeek1999 Год назад

Thanks for sharing. They are all great advice.

@r3chitown 2 месяца назад

Big time video! I’m sharing this with my 22 year old son who just graduated college and starts his first job soon. This is the sequence that I wished I followed at his age. Thank God I’m doing ok financially but I made a lot of mistakes along my way. Thank you for sharing!

@compass_128 Год назад

Thank You Jean. Very clear and informative.Will sure follow these precious tips.

@JeanVoronkova Год назад

Glad it was helpful Daniel! :)

@DianaTan Год назад

There are a lot of takeaways from this video. Thanks for the preparation and publishing it to educate us on finances and how to manage them. 🥰🥰🥰

@JeanVoronkova Год назад

Thanks Diana for this kind note, I’m glad you felt the video was helpful! Tip no. 1 esp made a huge difference to me once I started doing it so I think it’s quite important

@deepas509 Год назад

Very helpful video, Thank you 😊❤️👏👏

@carl9729 Год назад

Wow this is a great video, i shared it with my 3 daughters who recently entered the workforce. Mahalo.

@JeanVoronkova Год назад

That is awesome! Thank you Carl I hope your 3 girls picked up some good money habits early!

@normanngai644 Год назад

Thank you so much Jean for this wonderful video! Proper financial planning is indeed important. 😊

@JeanVoronkova Год назад

Hi Norman, glad to hear you found it helpful! Share it with people u think will benefit from it!

@kimayaknight7180 Год назад

Happy new year Jean thank you very much there's a lot of takeaways in this great content. my word last year was determination and here we go this year with CONSISTENCY. Am so happy for myself to be financial free and currently growing a solid retirement plan. It takes a positive and consistency to learn new things, unlearn the old habits ms Important to get a mentor /coach to lead you all the way. It's great to start young too!

@eiraantoinette6793 Год назад

Hello I'm 43 working on my retirement fund too What do you think is the best target for retirement?

@gracedaniels6172 Год назад

A lot of people find having a coach /financial advisor a luxury

@kimayaknight7180 Год назад

@@eiraantoinette6793 personally I think 1m is the goal to overcome inflation and having them in an inv estment p ortfolio is a perfect plan. I'm half way to my goal 😊

@kimayaknight7180 Год назад

@@gracedaniels6172 yeah. Fees and commissions are factors to look at in search for financial advisers. There’s financial experts out there who do not look at their fees but the impact and intrinsic value they bring along to you no matter how little you want to start. I’m glad I had one guide me start my financial journey

@maxdmitry1912 Год назад

I'm trying to read books about finance, budgeting and saving. Looking at having a good financial advisor. Can you recommend?

@alex_of_the_Mi_ag_gi Год назад

Hey Jean - like your vids and style. What sort of long term visas do you have in Bali/

@etienne8382 Год назад

Thank you for a great video. I have moved from a high paying corporate job where the bottom line really outweighed clients needs (despite what the company presents itself as in terms of vision and mission and strategic goals). Have taken a PT job at a local library and doing a few art courses on the side and getting back into generating some passive income from renting out a space. Hopefully everything will fit together in the end.

@samtrautman6416 Год назад

what space, did you buy a house? you have cashflow from that place? do you have a mortgage on it?

@JeanVoronkova Год назад

hey Etienne thanks for leaving this note and sharing about your present personal journey. Sounds very similar to what I did myself. Fortunate you have a space to rent out to kick start that passive income. Baby steps each day, and everything will come together in the end it all just takes time, so keep faith. I couldn't see where i was going myself for prolly 8 out of that 10 years before i hit Bali retirement capability. That's the mental challenge of walking this path, but i just took a long time myself also. Perhaps the path will be shorter for you (to reach your personal goal).

@dancerinadream Год назад

Hi Jean! Fen here…. Tart’s fren lol i love ur videos and have been watching them for a while!! You have come a looong way and so happy to see u being content with ur life. Thanks for all the advice and i always learn something from ur videos. Take care!!

@JeanVoronkova Год назад

HEY HELLO GIRLFRIEND!!!! omg so nice of you to leave me a note here!!!! I always check your insta stories btw you're damn funny and entertaining! Thank you for the kind feedback about the videos! Come visit me in Bali sometime hey! I'll bring u to go eat something good n local!

@N_Loco_Parenthesis 2 месяца назад

I got lured in by a video where she talked about having retired at 38, but this one seems to be promoting more and more commitments.

@dexagalapagos Год назад

I'm somewhat in the same shoes. I was splurging in my 20s just because I had good money coming in, bought a large house, sports cars, took expensive vacations. Now at 41 I'm living humbly in an apartment growing a dividend portfolio instead. Laser focused on getting that freedom. I could quit now and go live in Bali or the Philippines or Portugal and never work again, but I am worried it's too early. The question now is how many more years of my life to trade for a more financially well off future. Every year adds security but is also another year of my life and my remaining "youth" gone forever.

@funbucket1246 Год назад

Hi Jean, at what !age did you decide to retire early and how you proceed financially prepare,, maybe a video on the journey from your decision to quit to the age of 38, thank you

@garthmccarthy4572 Год назад

Fantastic advice

@jimstowell1166 Год назад

You are wonderful and so spot on..

@JeanVoronkova Год назад

Thank you Jim!

@bmnczouk5412 Год назад

I can totally relate to what you have said. Being a salaried person means your income is taxable as compared to an employer who is taxable on their profits. The negative effect of a job will come when you want to reward yourself after work.

@JeanVoronkova Год назад

jobs and stable salaries vs entrepreneurship & its ups & downs are 2 very different choices & lifestyles and u know, different strokes for different folks i guess lol. I'm very glad I got out of the job myself, but can't speak for everyone else

@bmnczouk5412 Год назад

@@JeanVoronkova Im truly happy for you. I was thinking if you can replicate the same plan in Thailand, Vietnam, Laos, Burma, Cambodia, and Malaysia and make a new series of video about it. It will be interesting lol Just a suggestion.

@AndrewTube Год назад

having kids in SG really makes it hard to save money in sg :(

@JeanVoronkova Год назад

kids tbh is a difficult subject. If i were to return to SG & start a biz, from what i have observed, I would def do smtg related to children's health, care or education, since there's so much pressure on SG parents to "provide the best" within their ability and that seems to translate to businesses being able to impose ridiculous costs/measures for anything child related. I was bringing my niece and nephew to Novena square for tuition and music lessons regularly. Shocked to see one of the tuition centres there - their frontage looked like a 5 star hotel concierge desk? Apparently a premium tuition centre in SG. Made me shake my head to be honest.

@JeanVoronkova Год назад

but i guess, on the flip side, if you're able to maintain a sensible attitude and balance between providing for the kids and resisting all that marketing, kids bring so much joy to the family! I know this from my niece and nephew - love them lots. Whenever i'm in SG i always take them skateboarding and all the outdoorsy stuff.

@mafiamuppets35 Год назад

Thanks Jean, I'm visiting Bali, the Philippines, Vietnam and Cambodia this year with a view to finishing work and living in Asia next year. 👍👍 Where about's in Bali are you & your husband ?

@JeanVoronkova Год назад

yo we are in Uluwatu! love your itinerary! We spent 8 yrs (me) and 12 yrs (V) in Vietnam and love the place! amazing energy! now settled in Bali for the quiet peace and quality waves lol

@stevenmaes3506 Год назад

Great & inspiring video, Thank you! :)

@JeanVoronkova Год назад

thank you Steven i'm glad you found it helpful :)

@pageless273 Год назад

A lot of good insight here, also a lot of truths most don't seem to realize.

@JeanVoronkova Год назад

Thank u 🌻 happy you felt this way. A lot of simple habitual things that seem small but can make a huge difference I think

@pageless273 Год назад

@@JeanVoronkova I agree 100%

@davidward1729 Год назад

Wholesome tips. Thanks

@JeanVoronkova Год назад

cheers David

@brucechavers3848 Год назад

Great advice Jean!

@JeanVoronkova Год назад

aww thanks Bruce!

@charisselabadlabad7282 11 месяцев назад

Hi Jean, thank you for sharing 😊I agree it’s a rat race and living life to the fullest does not simply ment nice career or how fat our bank account instead how well we are in terms of our health our relationships and how we see life in different lenses. Again thank you and keep on sharing such valuable content over your RU-vid channel.have a blessed day.

@fxproogo7393 Год назад

U are right.... So inspiring

@JeanVoronkova Год назад

cheers thanks for spending a bit of your Saturday night watching this video!

@Coastmac2001 Год назад

I'm now beginning to live in bali for a few months a yr. I come back to Australia work for a few months, invest , save then back to Bali . Great lifestyle & work balance

@JeanVoronkova Год назад

yah that sounds like a good plan. Geoarbitrage is wonderful :)

@edandtomo Год назад

Good Stuff Jean. We landed in Thailand 6 months ago for early retirement. The island of Koh Samui is home now. If you guys ever travel in our direction be sure to look us up! We have a good bit of overlap in our content. All the best!

@JeanVoronkova Год назад

nice! thanks for dropping by & saying hi!

@the_debtfree_investor Год назад

I live a frugal life, paying off all debts (car, house, credits), having a emergency fund and investing in the stock market. Beside my income, I make $2380 per month in dividend stocks. I am not scared to be laid off since I can retire anytime I want.

@beckspace Год назад

Thank you for this, it helps me a lot after the fake agent scam my 3k sgd

@JeanVoronkova Год назад

what fake agent?! sorry to hear that :(( that sucks

@donroy7825 Год назад

Hello Jean👋 !! I hope you are both well 👩🏼‍🤝‍👨🏻👍 !! Thanks for this, an excellent video. Good ideas and observations on personal finance 💰 💁🏻‍♀️✅ !! Best wishes, cheers, Don 🙋‍♂️ !!

@JeanVoronkova Год назад

thanks Don always good to see you :)

@wengeapinosa7026 Год назад

Thanks for your vedios now i am more minimalist😅 i mean i try to save every penny i prefer needs more than want! I am new to your channel..❤

@La-vc6nt Год назад

Thanks Jean, for another great, thought provoking video. You are a wonderful person & a great couple. Go well & enjoy the idyllic life you have made for yourselves 💯

@JeanVoronkova Год назад

Thank you La.... you're too kind... and happy valentines day to you!

@La-vc6nt Год назад

@@JeanVoronkova Thanks Jean, you are an extremely nice & intelligent person. Happy Valentine's Day to both of you & enjoy the day. Go well 🥂🙋💯

@dmang0 Год назад

The brands you mentioned are totally foreign. As I age, I'm actually looking for more YOLO opportunities. Thanks for another great video❤

@JeanVoronkova Год назад

Haha YOLO can be a great attitude if applied to meaningful questions. Just in Singapore even one of the banks introduced a YOLO credit card so that particular marketing association is always so stuck in my brain lol

@niasteadley Год назад

LOL same! Didn’t recognize them, and I don’t feel left out for that.

@TheMikeyStory Год назад

Also take into consideration of the income and expenses and lifestyle will determine how much you can save and how much time it will take to accumulate how much you would need to retire early .,as simple as the advise that your giving , its all about timing and it will vary from those factors .

@JeanVoronkova Год назад

very true. Savings rate for example really depends on salary size. 10-20% for most people I expect.... although w my former salary my savings rate was much higher than that monthly.

@TheMikeyStory Год назад

@@JeanVoronkova Maybe you could do a video saying what would i do to save money if I was earning low income salary without kids and medium income without kids to save money to retire early and also put in your lifestyle expenses (if you smoke or drink , do you have hobbies that cost money , do you go out alot and so on ) so people can see how you would work it out to reach your retirement figure that you would need .

@JeanVoronkova Год назад

@@TheMikeyStory that's a good idea - prolly a bit technically difficult to work out so it's got more universal application but i'll give it a think! thanks!

@dahliagotmail Год назад

absolutely right my dear Jean

@JeanVoronkova Год назад

oh hey! nice to see you hehe! thanks for stoppin by!

@dahliagotmail Год назад

@@JeanVoronkova it's bizarre with career, house move, etc. but girl! I still following you HAHAHA

@JeanVoronkova Год назад

@@dahliagotmail and i appreciate it truly from the heart! I hope 2023 has been going good for you so far! :) and ooh happy Valentines day!

@smezhublorry8860 Год назад

you look so calm and peaceful.....

@JeanVoronkova Год назад

Heh thanks, happy to have recovered from my recent kidney infection 🤭

@LoraStaneva Год назад

Great video, Jean! 👏 Can you make one about your skin care routine, suppliments, etc? ☺

@JeanVoronkova Год назад

Thanks Lora! I do use retinol and niacinamide to top off my daily moisturisers and I take fish oil capsule supplements, I think these make the biggest differences. Tbht I don’t feel I have good skin though as I get too much Sun from surfing and have spots n wrinkles!

@LoraStaneva Год назад

@@JeanVoronkova You have really good skin, think it looks beautiful! ☺✨

@JeanVoronkova Год назад

You’re too kind 🤗😍

@LoraStaneva Год назад

@@JeanVoronkova I think the same abou you! ☺ Btw do you use sunscreen on top of retinol and nanicamide? And which sunscreen would you recommend for face? ☀

@JeanVoronkova Год назад

@@LoraStaneva hi! Retinol should only go on at night because sunlight destroys it! And yes definitely sunscreen is holy grail lah! Any decent one will do my daily sunscreen is currently some korean thing i haven't heard about cos it's left for me by my mom lol. I use super duper zinc sunscreen for when we surf.

@followthemoney2220 Год назад

Thank you Jean for another awesome video. You and your content are like fine wine, they keep getting better with time. YOLO had to be invented by the credit companies! 😂I have been reading a lot as of late and have been attempting to read one book a week. But sometimes I get distracted and that's okay. Knowledge is power. Kiyosaki has some must read material. He has changed the way I buy real estate. There are many classic reads out there. Like The Richest Man in Babylon and Meditations by Marcus Aurelius. They have changed my perspective on the way I live.

@kirstyrayner3549 Год назад

I just finished the Richest Man in Babylon. Such a great read.

@JeanVoronkova Год назад

Nice! Thanks for the book recommendations that's always good to check out. I'm currently going thru Alain de Botton's How Proust can change your life. Its not about finance, but good read.

@JeanVoronkova Год назад

@@kirstyrayner3549 def must check this out then i haven't read this one yet!

@AarrenDieok Год назад

I love your saying “spending is public and saving is private”. Undoubtedly, many spend off their credit card, instead their own disposable money. Unfortunately, the world that we are living in today is constantly stimulating the economy that makes everyone a processional spender. It’s extreme 😅vicious cycle. I watch all your videos because of your calming voice and knowledge of seeing through the world. 🎉

@JeanVoronkova Год назад

thanks for your kind note Aarren, yes i agree - our entire universe seems driven completely by the financial gains & economic motives of big corporations & govts. The rest of us are just gullible sheep being shepherded around. It does make me feel a lil helpless.

@mariadaniele8726 Год назад

I don’t understand how I can start to invest. It’s not my field. How does it work?!?

@Techgnome21 2 месяца назад

Go advice. I usually have energy left over from my job. Then I go home to my "side hustle" being a parent. There goes my leftover energy.

@JeanVoronkova 2 месяца назад

lol!

@tmc1373 Год назад

Please tell me if you're 40 and have nothing saved, LIKE ZERO... Where do you start in order to retire?

@JeanVoronkova Год назад

u start TODAY, with everything and whatever you are doing. Scrutinise your spending habits and expenditures, figure out what you can minimise or what is excessive or where's the "leak", downsize habits and brands where necessary and all that can be the start of your savings. U shd probably also start learning investing so that once you accumulate a decent sum of extra savings beyond your nest egg, you can use that to invest cautiously to try to grow your retirement pot. Slow and steady wins the race. Making a difference by just 1% consistently everyday can build to tremendous change over time to make a big difference at the end.

@hubertcumberdale2651 Год назад

Lets be real, "retiring" is different when wealth is pooled between the incomes and net worths of two romantic partners such as the situation you are in. Very different for single people, who have to pay the same price for a roof over their head on one income source.

@JeanVoronkova Год назад

i wd definitely agree that its only realistic to say that the combined finances of 2 people who work well together and have similar money values are definitely more beneficial than one stand alone person, but to clarify, both my hubs and myself started off this journey as mere surf instructors working for an employer and were in a similar financial position of getting by but not anywhere near particularly wealthy. We later started a surf school business together that worked out well and that was i suppose the start of our turning point, together with the good habits as per video.

@hubertcumberdale2651 Год назад

@@JeanVoronkova And that's good that worked out.

@ronaldneehao9723 Год назад

Happy Valentine’s Day jean ❤🎉

@JeanVoronkova Год назад

woooh happy V day Ronald!

@wolfgangneeser7458 Год назад

What visa are you using to stay in Indonesia longterm?

@JeanVoronkova Год назад

most ppl here are on B211 visas or KITAS....

@shespractical7272 Год назад

Can you please do a video on the many shortcomings of Bali? Like lack of proper sanitation, ocean pollution, air pollution, traffic jams, few sidewalks, crowds and etc.. Perhaps an honest pro and cons will better educate your FIRE expat audience so they understand the true realities of your or their personal choice.

@JeanVoronkova Год назад

actually, the portrayal of Bali in our videos is honestly how we experience Bali. Yes there are all those things you mentioned for sure - but in truth they do not affect our quality of life in any significant way because of how we live and where we have chosen to live. If you yourself were to make that video, how long would you spend talking about "lack of proper sanitation"? By what standards? whose? We lived in Vietnam, China, Sri Lanka and many other places before this - you know what? Bali's sanitation standards seem really awesome to us, and in our daily normal life we never feel its "lacking". Traffic? Our lifestyle makes it such that we're barely stuck in any jams at all and we're mostly driving along quiet roads. Sure it's cos we're hermits who don't go out much and our favourite surf spots are in more isolated places .... but that's our truth? You should probably make this request of other RU-vidrs who choose to live in Canggu. They'll have loads more material to air over video probably.

@aileronyakadventures9505 Год назад

Simple. Increase your income = passive + active. Live Frugally but not making yourself suffers. End of the day: It is all about income + networth

@JeanVoronkova Год назад

all very good summaries that i agree with. That line between living financially minimally and still making yourself happy in life though! :)

@teacherbrad9534 Год назад

Robert Kyosaki was right and so was George Clason.

@josepwillis687 Год назад

Nice

@JeanVoronkova Год назад

cheers Josep thank you

@Warmun12 Год назад

Our quality of life depends to some extent on what we spend our money on , investing in corporations that harm our environment denudes us all .. money wisely invested in ethical portfolios has the capacity over time to create beneficial change for all of us

@christianborinaga8323 Год назад

I promise myself I will not be forever an employee.

@JeanVoronkova Год назад

u go Christian, u can do it 💪

@Randomchicken911 Год назад

Always curious - when you quit the rat race at 38, after 10 years of 6 figure per annum, how much did you save?

@JeanVoronkova Год назад

Hi Zach thanks for this note - think you got my story a lil confused. So i was making 6 figures p.a. as a lawyer up till my big Quit at 29, i didnt take much note of the moment when i walked off how much savings i had, but i remember when i checked maybe 2 years later i had only about 30k cash in my bank account ..... :/ ya i know. those were my financially unconscious years. So anyway, in the 10 years since the quit, i was frugal and learnt about money and i worked a lot of diff jobs n started some businesses, last of which (w my hubs) was pretty successful, we invested in some real estate overseas (not SG) and the rentals plus some other passive income is enough for our monthly simple living in Bali.

@dropstone-naturalambience338 Год назад

Hello Jean, I appreciate your state of mind, you are a very inspiring person. Take good care of yourself. 😉

@zorromom2135 Год назад

Do u rent or own the home in Bali?

@drakestorm4691 7 месяцев назад

I guess she rents. Dont belive in these videos, where people sharing their "success stories". You are in another situation. Maybe in worse, maybe in better. Naturally if you have kids, and you cant save any, you cant invest any, and wont get any. Thats the reality.

@dominichill1492 Год назад

A lot of people spend money out of their means. Also some people buy things they can not afford. One important thing some people do is, they do not file their taxes, and then they owe the IR. Those type of things will keep people poor. Also I believe you need to be disciplined with your money. Great seven tips Jean sweetheart. I always love you're knowledge. Jean like I told you can be a financial advisor sweetheart.

@JeanVoronkova Год назад

hi Dom, totally agree, sounds super obvious but so many people just let money slip through their paws too easily without paying attention, or they get a tad too happy spending on credit. It's sad to see people you know struggling in debt cycles that could have been easily avoided in the first place. I'm glad you seem very much aware and probably have really good money habits!

@adammorra3813 Год назад

Jean what if you want to have kids later so you know you will need more money? Or you are single right now and plan based on that and later meet someone?,

@JeanVoronkova Год назад

Hey Adam, I'm already 40 this year... we were contemplating kids last 2 years but hubs &.I we're so content w our life in the present and our furkid and our pursuits... i don't think we're gonna try for a human kid.... childraising has its own charms but it does tend to preclude most other pursuits esp in the early years.... im not sure we're ready for that...

@adammorra3813 Год назад

@@JeanVoronkova 40???? You dont look a day over 30, maybe 32. Those Singaporean genes are strong!

@JeanVoronkova Год назад

haa thanks! I think having lived true to myself in my 30s for a decade and giving up money+stress for fulfilment helps a lot!

@danielkostenbaum2835 11 месяцев назад

I admire the way you share the truth you believe in. Unlike those people that wear a suit or some luxury clothes and accessories, you just keep being yourself, simple and lovely. Thank you for the calm feeling you share with others.

@awingsarkawing6391 Год назад

We are +62 people's have principal.....with minimize outcome we must getting maximize income 😁

@JeanVoronkova Год назад

haha +65 people also have those principles! Good one 👍

@lexiemiller444 Год назад

Can I ask you where did you meet your boyfriend in singapore or bali ?

@JeanVoronkova Год назад

Hi Lexie, Vitaly is actually my husband of 5 years lol, we met in Vietnam when we were both Kitesurf instructors in neighbouring schools 🤗

@lexiemiller444 Год назад

@@JeanVoronkova amaaaaazing !!! ❤️❤️❤️❤️❤️

@JeanVoronkova Год назад

Haha I’ll let him know u think so! 🤭

@Jp18888 Год назад

Hi hi ! Interesting sharing hehe… Why did u choose to teach kitesurfing in Vietnam instead of Indonesia back then? Since you’ve lived in both, why did u choose Indonesia instead of Vietnam?

@Jp18888 Год назад

Asking cos I’m interested in trying these water sports in Southeast Asia countries so just asking to be curious

@JRspeaking Год назад

I really loved your content, but it now feels like one long infomercial. The videos theme and message is now fitted to the big reveal (sponsor) at the end. It's unfortunate.

@JeanVoronkova Год назад

well I do select my sponsors duh.... and for the last 6 months we are content to be more at home and settled so I've been focusing on information-based videos as opposed to the travel and food stuff... I'm sorry if the finance/life/retirement related topics aren't interesting to you...when we do travel again we'll feature the food and travel stuff in Bali then

@JRspeaking Год назад

@@JeanVoronkova Those topics are very much of interest to me and you deliver the content in a calm, logical, articulate manner. It's just that lately the content seems disingenuous, as it's formulated to fit a sponsor, not your real life. Just my two cents. ( I think it's important- maybe wrongfully so- for content creators to hear various subscribers opinions.)

@esy-bd8vy Год назад

Stay out of debt and live within your means. For today's world, keep accumulating gold and other tangible assets. Holding gold protects you from inflation and it has no counter party risk.

@JeanVoronkova Год назад

yeah tangible assets is the way to go. I'm more on real estate than gold but yeah anything better than all those unheard of cryptos.

@sheyewglory Год назад

Hi new subbie here.Wondrin if you already have kids

@JeanVoronkova Год назад

Hi! I just have a furkid 🤭 tbh I think my hubs n I r content w just that

@sankalparora9374 8 месяцев назад

You hardly look 25... can never believe 38.

@samtrautman6416 Год назад

the same old financial advise that everyone else gives, 'buy an ETF and wait for 30 years' this wasnt of any help, wish you the best in your Bali boredom but if you want to help others, why you dont explain, how are you making money now, only youtube? what other incomes you guys have? if property, please explain where, how much down payment and how did you negotiate your mortgage payments. that will help people not telling people to not waste your money and buy an index fund thats not how you retire at 38

@JeanVoronkova Год назад

dude, u seem to think i got some extra secret magic trick in one of my drawers but truth is - i literally did all that stuff in my video, over about 8 years, saved up enough to buy some advantageous real estate and we live real simply in Bali so the math balances. It's all documented in the videos on this channel. If you watch only one and then complain you didn't get the full picture - hey sorry, that's cos my 40 year life journey can't be summarized in a 10 min video. On the other hand, if you're pooh poohing simple hard real life truths and thinking all the ppl out there having something u desire did some magic trick u don't know about - i'll advise u to wake up. "If you added up all the time wasted searching for shortcuts and trying to cheat the process, the hard work could have already been done by now." - James Clear.

@Jp18888 Год назад

This guy’s comment left me flabbergasted. People can feel so entitled. Crazy how he thinks you’re obligated to tell him everything when he’s not in the least bit even related to you.

@samtrautman6416 Год назад

@@Jp18888 its called being true to your audience wich is the one that pays your bills, being real is what works in life Ma boy

@deschua76 Год назад

It’s easy to be financially free. JUST HAVE LOW EXPECTATIONS. Many folks can easily be financially free but just choose to continue working because they want more and also because they don’t have much else to do. Personally, I have been financially free since I hit 40yrs old but I prefer to be RICH F.I.R.E and continue to work for fun and additional $$$$….

@JeanVoronkova Год назад

i agree with your msg - but the irony is despite the simplicity of that msg, few folks actually live with that consciousness. Which is really sad. Anyway, RICH F.I.R.E sounds like a great situation to be in - well done u