Will Stock Market chaos FORCE us back to our corporate jobs? 

Guy’s what an outstanding video. Yes all politicians are short term and focused on themselves. Living in cheap countries is the best way to retire. I am retiring at Christmas at 55, and with a pension, and investments I intend to enjoy life. Your view of the UK is right on the money, don’t waste your time in London, because this is not a true reflection of the UK. Live in the north, and travel south to see other interesting things. Stay safe the two of you.

I love your channel! Life happens and you keep on rollin'. What an inspiration to us all. Looking forward to future videos.

Financially, I’m riding the roller coaster and not panicking . 😅 😂LOL!! You may have said “any” question, but I registered “every” question. I honestly thought you’d pick your “favorite” one from my list! Thank you for answering EVERY question. Your authentic connection with your audience is evident and greatly appreciated! You’re both rock stars!!!!!! Love seeing you back!

So good to see you two again. Wonderful video! I find it amazing how relatable you both are. Looking forward to your next video. Cheers!

Great info as usual- thanks for sharing! Yes, I would like to see a whole video on the budget spreadsheet running up to age 93.

Nice to see you both back! It was a great video. Tons of interesting information! In chronological order, in response to things as they came up. We visited Northern Ireland in 2019. I’d not been there since my childhood. Belfast really surprised me, as someone who only knew of it during “the troubles” it is very much worth more time for us. We’ll certainly go back. Joey has wanted to take us to Argentina. He’s been there and loved it. His main concern about taking us there, right now, is related to the instability of the currency. We were in Bulgaria in June, though only for a five days. I was expecting post communist ugh, but Sofia left a very positive impression upon us with a lot of beautiful history buildings and open plazas. The city was extremely walkable and the subway convenient when we needed it. Extensive trams and buses too, thought we never rode one. Any city that has their primary airport on the subway gets a big thumbs up from me. The people were very friendly and a lot of English was spoken, though definitely varied. Plovdiv was very pleasant and we couldn’t have picked a better hotel. Train transport between the two was pretty comfortable and well worth the extra few dollars (for us) to upgrade to a first class ticket. There’s another city in Bulgaria, the former capital Veliko Tarnovo, that we’d hope to visit, but we’ll save that for another trip. Thank you for answering my first question! Having never been to South East Asia, I can only go on the opinions of others, which seem to mirror yours, though others have said there are near equivalent opportunities in parts of Latin America and Eastern Europe. Not that I’ve done a ton of research on this. My geo-arbitrage was moving from the UK to Canada 13 years ago! Regarding a carry-on only travel, have you read Chris Englert’s ( Eat. Walk. Learn.) book: 2 Carryons and a plan? While it wouldn’t work for us long term, there’s a lot in there that definitely has helped us for shorter trips, our Bulgaria trip for instance, and it’s a fun read. Wow, listening to you talk about your tech, yes you were speaking right to me. Had he been sat next to me (and not pottering around Thessaloniki), I’m sure Joey would have been giving me some serious side-eye! Interesting your opinions about your weekly schedule and the editing time. We follow a, formerly Disney, RU-vidr who moved to more random adventures. He felt somewhat constrained by the need to upload weekly and felt that he would rather put out content when he had something to put out. While sometimes his videos are weekly, sometimes they are monthly and he takes breaks now and again. His usual episode length is easily 45 mins to just over an hour. Once he stopped publishing weekly and his videos became more his random travelogues, his subscriber base jumped massively. I believe most of his content is shot on a single DSLR, though he does sometimes use iPhone footage too. He also seems to edit a lot of his content on the road on a MacBook Pro (not sure what the model is, I’ve just seen it in the background of some of his videos in his hotel rooms). The quality of your videos has always improved. You’ve definitely put a lot of effort into your structure and edits. Looking forward to your next videos!

I’m retired and I now play Saxophone and I’m a City tour guide, my hubby is retired and plays golf and manages the SIPs …. we are both ‘retired’ from our professional careers.

I would love to see the skeleton of your spreadsheet. That sounds brilliant. I enjoyed your video this week. Well done!

Hello again- glad to see you two back! We just finished a short holiday in Istanbul and we feel like we could stay in Turkey for a very long time. We still have 6-7 years left before we are able to sell the house and begin slow traveling; seems like a lifetime away though really. Appreciate the financial side talks as we are seemingly mirroring your situation - mostly VOO with a few other things but mostly VOO. We’re starting to shift our mindsets into selling things vs. buying/bringing anything new into the house but one aspect we’re still struggling with - what to do with the things we want to have after age “65/70” when we will finally pick a place to stay… A climate controled storage facility seems obvious but honestly can’t be trusted to not go out of business or to evict (or worse) our items due to a payment conflict/whatever over the course of a decade or what if they have storm/water damage??? Still need a plan there… Your both also still in our thoughts during your time of dealing with your family and hope to see more soon! Oliver & Bobbie

Welcome back! Would love to see more about your spreadsheet and drawdown/buckets strategy. Thanks for helping hubby and me navigate this early retirement journey!

Hi! Your videos are the highlight of my week and I listen to them on my long commute to work dreaming of oct 24 when we should FIRE. I barely ever comment as I am driving when I listed to you but just wanted to take the opportunity to thank you for you honest, relatable content! I have been a fan since the very first video and you really have both changed my life and plans as we move forward. Thank you 100 times!

Gosh, this has been so very informative, you have put such a lot of effort into this, thank you.

I retired at 53 years old. Love it. Travel to about 45 County. I went to London twice. Love it. I live in the USA 🇺🇸

Well done and so great to see you both!

I love the financial "boots on the ground" video idea. You can wear your adventure hat; for me, personal finance is an adventure. We never learned enough about this in school, so the school of life it is!

Great content guys - thank you for sharing.

Great video and loved the honest answers! I for one would LOVE to see and hear more about your spreadsheet and drawdown strategy; maybe even a link to a dummied up copy of the spreadsheet.

Great video. I would’ve interested to hear more about the financial side. You mention it would be a ‘dry’ video, that would be fine. I think it would also be very helpful to see how you use the financial tools to come up with your available budget each year, in a practical way. Keep up the great work!

Loved the video! Very informative. We retired at 58 and 56 back in 2020. Our drawdown strategy is to convert our traditional IRA into a Roth IRA a little each year not exceeding the 12/15% tax bracket until we start drawing Social Security probably at 65. I move all into cash back in Oct/Nov 2021 when the market was down 3.75%. Still in cash for now. Will eventually start slowly moving back into the market. Don't know when yet.

What a great set of questions. I enjoyed hearing your responses. It was a bit like catching up with you. Your resilience during these times is an inspiration for us early retired travelers. You are so right about developing an asset allocation that you are comfortable with. Despite the recent downturn in the markets, our asset allocation, combined with geo arbitrage, has us feeling pretty comfortable from a financial standpoint. Looking forward to your videos on geo arbitrage, as it is a large part of our strategy as well. Also looking forward to hearing more about your future travel plans.

Great video! FYI a traveling squirrel has a plan and then finds all sorts of other things by looking odd the beaten path. Many of our best adventures have not been planned and just fell into our lap.

Good to see you back I hope to see where you end up in a decade. It's not much fun to check balances in the current market situation. I'm holding tight and living on a small pension and working fun side gigs - teaching yoga and kitten sitting.

Love what you are both doing. Exact questions my wife and I are concerned about with our impending decision to retire early from corporate life. What a super resource you are both providing. Very much appreciated. Keep up the great work !

Guys, I am so happy to see this video. I was quite concerned about how things were going. First off Sarah's hoodie. You both have "Found your dream in each other". You didn't say estate wise what plans you have if there is any money left after you guy s depart. I am available!! Just kidding, I am older than both of you, I would suggest leaving it to cats seeing as though you are quite fond of them. As far as finances, I retired in March and I have a pension. I have Savings and a retirement account but I am very conservative. Over the years I could have done MUCH better but currently it is serving me well as I have not suffered great losses (yet). I had some health issues that surgery corrected so we have not dug into our savings at all because we couldn't go anywhere or do anything. We have actually offset our losses from being able to save. The cost of living has raised significantly since March, it is expensive to do anything. I would Love to travel but my wife isn't as keen about it and my mother is local and needs help. You mentioned the incompetence of your government. What about the Senile Chinese Traitor that has been in Washington for the last 22 months? He is the one who started this financial crisis with his idiotic policies and shutting down the US energy infrastructure. Sorry, I get very angry about that lot. It sounds like you really Loved Turkey but sadly they are hurting as well as Argentina is really suffering. My two choices to go to would be Thailand and Ecuador although I wouldn't mind seeing the Phillipines. Please be safe, it must be heartening to know that you have so many "friends, and followers".Take care.

Great job 👏 enjoyed the honest & open Q & A.. v useful for those looking to travel like you

Great to see you guys back. I think my question was made too late for this video, but I will try again next time. I enjoyed the Q&A format also. If you make it to South America next, Brazil has a LOT of nice cities to stay for a while.

Nice work guys. Very informative as usual.

Brilliant video guys, thank you! Would love to see/ know more about your spreadsheet to age 93.., even seeing a copy of it if you wouldn’t mind 😀. Would also like to know more about your strategy for drawdown, ie sequence of which pots of money to use 1st/2nd/3rd etc, including what you do with taking up to 25% out of your pensions. For example, is it best to spend from ISAs 1st, or SIPPs? How do you in practice take out money to minimise tax. Thank you, cheers 🍹

Laughing at your comparisons of North vs South! Northumberland is great… I love how overlooked it is!

Fabulous thank you to you both.

Thanks so much for this thoughtful video. Lots of good information. I totally agree with you regarding not worrying too much about the markets. The markets go up and they go down. Trying to time the ups and downs is a recipe for disaster. We are just staying the course and not changing anything. We don’t expect to have to make any withdrawals from retirement funds for at least ten years so there will likely be lots of ups and downs between now and then. Erin, our financial guru will ensure that we are doing ok.

Hey guys, I really appreciate the energy and time it takes for you to go through all these questions. Thank you! Speaking of needing to deal w family commitments, I'll be off to Vancouver this Monday to clear out my dad's apt. 😥 I feel like it's mirroring your current situation. Alas, such is life eh? Hope you've both calibrated your RPMs back to UK energy by now. I just decided last week and booked myself to come over for the Coronation in May. Four days in London, then trying to decide what to do for a week thereafter. Was thinking of heading up to Yorkshire and doing a farm stay. Hang w some sheep and horses 🐎 and walk for hrs. My kinda holiday 🤗 Anyway, do stay well and thanks again for providing us w such fabulous content! 👌🏻

Great to see you both and what a bucket of information as always. On camera, the two of you feed really well off each other. Are there times during your travels, when the niceness fades away and things become a bit tense?

Another absolutely great video, love your honesty, the more we watch you, the more we see we have similarities with you in what we wish to do, albeit we are a little later to the party! Being already 53/52, we plan on retiring in 3 years and are investing and saving as much as we can, however we have just booked ourselves a little holiday! Still got to live hey! Loved the section on finance it mirrors what we, I mean me lol am doing! Oh and your last video did make me laugh, Neil you have a lot of patience lol… “that we don’t know about” bless you Sarah 😂😂😂

Great video and thanks as ever for your insights…

Yes I would love to see your spreadsheet

Thanks for answering my question! Very helpful info. I’m always interested in geoarbitrage content and understanding how you forecast, so would love to see more of it. Thanks!

Hi guys. You both look really well. Fabulous advice as always especially the advice not to go back to the Corporate world🤣. I vote Neil and Sarah as Chancellor's of the exchequer! Take care both.xx

Please walk through the spreadsheet. Very interested, looking to build somethign similar. Also, do you use all the rules of the Guyton and Klinger Guardrail Strategy, or just parts?

Whoa lovely to see you both again - you are gems...If you ever make it to NZ or in your plans let me know I have lived here both islands for 30 years and although wont be here when you come... happy to give you some insights...gorgeous nation south and north completely different...AND if you end up living in Querétaro well it will be great to see you both x

Hi guys, I have hopped in and out of your channel over the months, however, this is the latest I have viewed. I am probably being lazy, but a few questions that you no doubt have revealed previously, but would be great to condense. 1. You are back in the UK..Why? 2. How much is your accommodation costing while you are here and for how long ?... 3. I have a house with no mortgage ...Can you tell me the company savings plans, bonds, etcthat you have chosen that will allow me to return to the UK in 10 /20 years and not leave me homeless and allow me to fit right in where I left off.. Happy days !!!! ye har lol

Thanks for posting. So good to hear from you.

Very interesting video. I'm in the UK too. I wondered about taxation. As I understood it, if you stay anywhere for more than six months in a year, you automatically become domiciled for taxes there that year. It's much simpler to deal only with UK taxes but don''t you need a UK address to be resident and domiciled here? I'm 64 and have considered moving around for a while but I couldn't retain an address here and so many aspects of life and bureaucracy, such as banking and taxes, do seem to require an address (that can't be a PO box).

yes, please make a video of your drawdown calculations and spread sheet. thanks

Glad you're back! I have said this before but I love the honest and real world approach you guys have. I look forward to the upcoming content.

What a lovely surprise to see your video pop up for us this morning!! Happy to see you both looking well and hearing that Tanzy may soon be heading to a new loving home. A really great video with loads of information we can use going forward. Blessings to you both!

Would love to see a template of your spreadsheet 😊

Amazing video! Loved it!

Great video!

Looking forward to the "keeping busy in retirement" video. I'm still a little ways off, but my plan is when I no longer have a job I work for money, I will still have other "jobs" to work for me. One job will be to stay healthy, and do an hour of exercise each day. Another will be to steadily improve at some hobbies like music and learning languages, and so I'll have to plan to make time for those as well. I'm looking forward to seeing what you both have to say though.

Thanks for another interesting video. ING is fantastic for rebating all ATM fees, we never pay for withdrawing from any ATM. Just got back to Australia from a holiday in UK, can't believe how awful the economy is over there at the moment. It is a beautiful place to visit but seems very difficult to live there.

To your last question, I work a contracting gig four to six weeks each year (usually in the spring from the beginning of March to the middle of April) that nets me between $40,000 and $50,000. This provides me a minimal amount of pain for a lot of gain, prevents dipping into the 401K and IRA, and allows me to do the travel that I'm capable of doing while I'm attending my masters classes at college. Oh and I'm 58. Getting my masters is just something that was on my list of things I wanted to do. It might end up being a third career at some point as it's in a passion area for me - pedestrian and bicycle infrastructure. Technically, I don't have to work, and the only reason I'm not out traveling like you is that I have to wait for my better half to catch up to me :-).

I would love to see how you track your drawdown. Yes it would be dry but I am sure you can make it interesting!

This is so interesting. Do you have a link to the graph at 32:46 please? I think it would put a lot of people at ease to see how it's more cyclical than the media portray. Thanks so much for your inspirational content!

Is a mid 50s couple, hoping to retire in the next 6 years, that would be very interested in a video about your financial planning and your spreadsheet with guardrails.

See you in the Philippine in March 🌈💥

Hi both, l have sent you couple of emails few days ago. Thanks

Interesting to see your travel allowance for a year we are spending 6 months in UK 🇬🇧and 6 months travelling. Looking at 18000 for 6 months which is pretty close to yours. Ps have a look at RSD travel .regards mart and sylv

Thank you for answering my question 😊I agree definitely as cute as a kitten although the husband says a cat because my kitten days are long past 😆 I will be watching your videos re London as I will be there in June for my first ever UK trip 👍🏻

Great video…… I was always curious where you guys invested, too. I also invest in VWRL. Markets across the globe are down but over the next 20 years it will average 6 to 11%. Unfortunately people panic too much, or they think they can outperform the market by purchasing individual stocks.

Yes of interest...

Another great update.... i'm travelling to Fethiye next year.... any recommendations as to 'must' things to do?

Another great video. As with you coming out the other side of recent sad events stronger and happier. Take care - and thanks for the video.

Welcome back. I was so excited to see the notification bell this morning. Wow, you came back with a giant information video that I will have to rewatch. I'm not sure how much of a break you had. Love hearing about the travel, especially your picks for possibly settling for longer-term living. The financial information will be helpful to those who understand what you are talking about. lol I still like hearing about your strategy though and how you got to the place where you can travel for 10 years. Looking forward to next week's video.

Fame at last! Looking forward to seeing you both x

I would be interested in a video on your spreadsheet and drawdown strategies. I’m sick that way 😊. Hasn’t everybody created their own spreadsheet to forecast their financials now until age 90+ ?

Glad to see you back and looking well! Great video. Something you said in one your answers about discussing between yourselves what you like and what you don't like about travel; would love to see a whole video dedicated to the "don't likes". that could be very illuminating! (I want to go to New Zealand too!) 🙂

Great informative video covering a hell of a lot of ground, cool format too. Big thanks to both of u. A quick hello from Cape Town (where the currency is of such a sh#t nature that geo-arbitrage could never come in to play 🙈) Two requests please 🙏 1) yes please more info on tax planning/efficiency within the context of being tax resident in the UK & traveling 2) Yes-please with regards to a bit of additional humor. I LOVE British humor and Neil I see you've got a bit of a knack for it as I've had a good little giggle on quite a few occasions 🤣🔝 Cheers guys 🥂

Neil and Sarah, thank you for your video. I found it interesting on a number of levels. You present good, common sense answers to intriguing questions. I like your format and humor. Keep up the great work. We appreciate it.

It's garden question time again and I'm so glad to see you're both doing so well. There's such a massive contrast between your retirement plan and mine. I would describe yours as extreme but considered and mine is impulsive but also considered (but that's probably an oxymoron come to think of it!). We all get to the same point in different ways and then do the best with what we end up with. I'd like you to consider what advice you would give people in their early twenties ie like my daughter. She never gives her retirement any thought - it's too far away and abstract for her to give it any thought. Q. How do we try to ensure our kids take the right steps at an early age? Sorry - a long one! x

How do you compare the cost of living in Mexico against Thailand? We have a similar financial scheme, but I want to be sure we’re maximizing geoarbitrage while enjoying where we live. We are currently in Guadalajara. Thanks!

What a wonderful surprise to see your video today! You’re looking so much more rested and at peace. I hope things are working out smoothly with handling all the details from your father’s passing. This was such an informative video. Thank you so much for all the work you put into making them. I thought it was hilarious that one of your outtakes was struggling to say my name. 🤣😂🤣😂 Looking forward to seeing your next video.

Excellent responses guys, thank you so much. Your next video is being eagerly awaited. Geo arbitrage enabled us to reach fi years before we would have been in a HCOL area. The secret sauce of geo arbitrage mixed with the magic of compounding over multiple years helped elevate our fi. Its also meant we can now easily transition back to a HCOL area whilst utilising guard rails that would previously have pushed us outside our safety parameters. Very happy to see you are doing a video on the secret pillar to FI....Geo Arbitrage. PS. Let us know when your ready to make the dream of travelling nz a reality. We would be beyond excited!!

absolutely make the spreadsheet video. the dryer the better. love that stuff. that cheaper world tracker might be HSBC FTSE ALL WORLD INDEX CLASS C. 0.13% charges. the other cheaper ones seem to leave out emerging markets.

Great video...made me resubscribe! I honestly thought you'd jacked it all in and ran back to UK but I'm looking forward to seeing more on what actually happened and what's next?

Love Buenos Aries. Lots to see and do- especially if you like to Tango and steak! Very friendly people. Feels like a throwback to the 50's and 60's architecturally but in a very nice way. I recall already mentioning Siem Reap, Cambodia to you. Angkor Wat is amazing and really enjoyed the people! Being older than you, our portfolios are conservative; so yes, they have taken a hit but we are confident we can weather the storm. Wonderful to have you back!!

Glad to see you posting again! Missed you two. Watching the video now. Your headline is a grabber. For years my husband and I were 110% certain we would retire no later than mid 2024. It’s pretty clear now that isn’t going to happen. Too much uncertainty. BUT, retiring isn’t completely off the table - just delayed. (Knock on wood).

That was a fantastic video. Really informative, courtesy of all those lovely people who asked questions. I basically know absolutely nothing about finances and “drawdown strategies”. I’m quite ignorant and lack understanding in this area because I have the military pension, which would be considered a “gold-plated” income. This pension alone is enough to sustain me when considering geo arbitrage. For the last two months in Thailand I have come under what my pension will be by over £400. (Not receiving my pension yet because the Army is still paying me a proper wage until February). This gives me quite a bit of fudge factor. So without even considering that I have two mortgage free houses and will have another within 6 months I feel really secure that the pension covers me anyway. Also, I’m naturally quite frugal and I’m a guy who travels with a carry on so I really don’t have a lot to spend my money on. I’ll buy the new iPhone once a year and that’s about it. It is also my intent, moving forward to continue saving and continue buying houses for the rental market. Within 10 years from now, that will have an exponential effect due to more income and more savings. By the way, I rode past your old apartments in Chiang Mai today. The rooftop looked pretty cool. My future travels include a flight to Kolkata on 24th Oct then overland travel to Rajasthan then get a flight to Istanbul on 13th Dec to see my missus for Xmas and New Year. Then I’m on a flight to Nepal on 02nd Jan so I can start my trek to base camp so I can be there for my 40th birthday. And I know what you mean about those parasites in Chiang Mai. 😬 Keep up the good work homies.

Very interesting video thanks for all your good work 🎉

When people ask me what I do I tell them, I am a mafia hitman.

I have a side hussle selling on ebay and we are working on the strategy of living off my husbands salary and holiday on the money i make. We hope to go on a 1 month holiday every 6 months.

ohhh I'm in Buenos Aires right now an it's great!

Camera is excellent!! And, Sarah, you look muy marvillosa!!

🙏🙏🙏👍👍👍🌈🌈🌈🙌🙌🙌 l wish I could do what you both doing Good Luck ❤

Some good food for thought.

New Zealand is on my bucket list❤

Please, please, please come to Querétaro!!!!❤

Your guardrail video would be great.

Not making any changes at all. Fan of the Simple Plan To Wealth book you recommended. Highly recommend Psychology of Money as well if you haven't already read it.

Guys love your openness and sharing. I really hope this RU-vid tax person understands how to explain two benefits for becoming UK non-resident and what this entails (far easier than you may assume) and indeed switching your domicile from UK. It concerns me that your assumptions are that you will be liable for UK tax for this decade or longer if you stay abroad. Happy to share my own experiences.

Good video. Thanks for all the effort. We have come to the conclusion that we aren’t as smart as you folks are…thus we don’t have as good a chance to make nomad life work as well as you do. Maybe better to live vicariously.

Neil, Sara good to see you guys again. Clarence here - Texas subscriber watching you guys at 10:30 pm from my geo-arbitrage test run of Cebu Philippines. As you mentioned in the video - Southeast Asia is the value place. As always, it is interesting listening to your shared perspectives. When I saw the title of this video, I knew exactly what to expect from you: solid, unwavering commitment to your plan. Great job once again guys!

You guys are great! Very enjoyable to watch, especially the outtakes.😂 I am about to embark on retirement planning and very interested in your guardrails spreadsheet. I hope you do make the dry spreadsheet video, thanks and all the best!

In this volatile market we have moved our funds from the stock-based fund market into low-growth low-risk funds - at least for now. The only thing we have in the market is a small amount of Amazon stock that we just bought after the split.

Great to see you both again and in good spirits. We look forward to your videos!

Awesome video again you guys! I’d like to see a video with the yearly spreadsheet you use for planning up to 93 please. Hopefully I can make one for myself. Many thanks in advance. I’m glad to see you well and I’m looking forward to your next videos. Take care and enjoy life. Oh ! And glad to see that you almost found the right place of your 🐱

great video nice to have u back Neil & Sarah, xx v

Would love a video about setting up a postbox for your return to travel abroad as we aren't sure if you can use/share a buy to let properties address for living abroad? Sorry. I hope your father's cat is okay/update.

Great video ❤

Great video! Question -when you get to an age where you'll need help because of some physical stuff, have you planned for this? I'm from the US and if and/ or when you need help at home or God forbid need to go into assisted living the costs for this is sky high. It is very hard in my country to plan for this and calculate the cost. Does UK health plan help or other social programs you may have? I tend to hold on to my money a little more tightly because of this. Glad you are doing well. Always enjoy your perspective.🙄