My dad gave me a copy of The Wealthy Barber when I got married in 1991. I remember reading it and thinking I can't save anything because things were so tight financially at the time. But the message sunk in and when things got a little better we started saving. Another book I found helpful was The Millionaire Next Door.

This inspired me. I'm 38 and feel like I am late in the game. However, hearing your story made me realize it's never to late to start saving. Thank you! Continue enjoying your retirement. =)

Yes Retiring Early is the key to enjoy Life I'm working hard at retiring early .. 55 is my goal Thank you for your insight

Retiring early is such a strong movement these days. Its also good to see that financial literacy education in Ontario will start in grade 1. Great video guys!

Absolutely, paying yourself first is so important! Have read and taken to heart those messages from The Wealthy Barber. Enjoying an early retirement too. Look forward to your travels and adventures...and looking to start again myself post-pandemic.

I know this video is 9 months old, and I have watched many of your other videos, but this reminded me of what I did at age 35, i.e. reading self help books, and educating myself which I find many people are truly reluctant to do. I chose everything that you did and now I'm retired, although I waited until 65 because of our health insurance situation in the USA, which is a major factor. At 65 years of age we get Medicare, which is minimal insurance with supplements that we have to pay for, but at least it is something. I took it and never looked back and I don't regret retiring at all. Frankly, I don't know how I dealt with those people at my job for all of the years that I was there. I thought I enjoyed it, but I think insanity had a lot to do with it. Ms. L. Churchill

Thank you, Your open mind gives us hope a lot

I love you guys. I really appreciate a Canadian perspective. I am going to be retiring in a couple of years, and it's lovely to get inspiration on all the upcoming possibilities. Thank you for your tips!

👍👍✌️ When the company I worked for finally got a pension plan going I jumped on it. Went in max contribution and never looked back. Didn’t miss the money off my check and it’s paying off today.

Paying yourself first is such an important lesson, and dollar cost averaging is a great way to keep yourself honest and on top of your investments. Great advice, and great content. Thanks for sharing!

We loved your story. Our story is somewhat similar. It was one book to get us started and off we went. We started in 2002 I think it was and the goal was to retire at 50. Life through us some curveballs but we made it when I was mid-way through 50, we pulled the plug. That is what got us starting to travel North America in our RV fulltime. You may have just inspired us to tell our story as well. Thank you so much for sharing this. You two are so wonderful. ❤️👍👏 Donovan & Jodi

Greetings from Hamilton, Ontario. Thanks so much Tina and Norm for doing this video. Your videos are very motivating as my goal is also to retire early. Hope you enjoy your summer. Take care!

Great points. Thank you for sharing. It seems the key is, regardless of what your plan actually is...just have a plan. So many folks sail through life without a retirement plan. We appreciate you breaking down your strategy for us!

I'm so glad I stumbled upon your videos. Keep up the great work!

Thank you for the wise and sage advice (almost parental) to those who need a bit of motivation. I have read the Millionaire Next Door but not yet the Wealthy Barber.

Love u guys u r really dropping that long game for young people out respect

The Wealthy Barber is a great book.

I love your story. I think the majority of millionaires in the US are just regular people who saved, invested, and lived within their means. Our retirement story starts even younger. Uncharted saving for retirement at age 26. I put 10% in a tax deferred savings account through my employer. When Is laws changed I raised it to 15%. Now we maximize the Irs allowances plus the fifty year catch up amount. But we are lucky that we also have a sting pension. We always loved within our means and paid off our house last year

Lovely to see you both. So glad you have great weather. Have a wonderful weekend. See you soon. Stay safe 🙏 😎☀️🇨🇦🏴󠁧󠁢󠁳󠁣󠁴󠁿

You were very smart to start to get started when you did. And being willing to learn and try something new as you say was, "fortuitous."

Thank you Norm and Tina. Bless you both.

Thanks for sharing. Love hearing details of your individual journey.

I just saw this video today. I love you guys

Great suggestions, Such an important topic to talk about! great job breaking it down!

Thank for imparting some really needed advice.👍🏻

Thanks for sharing!! Have a wonderful weekend! Stay cool!!

Great to hear your journey to retirement. Lucky you that your stage restrictions are easing. We are heading back into a stage four restrictions very soon. Ugh 😫 here we go again. Our second wave. Have a wonderful week.

The Wealthy Barber was given to me by my father as well, and was my introduction to personal finance. A classic!

Hello from Holland Landing Ontario. Just loving your channel and videos. Cheers!!!

Fantastic videos. Really enjoying them. Cheers to you both.

Thank you for sharing. Enjoy the weekend!

Thank you for this great Saturday video, we are in the exact same situation, it’s almost our story, !

We both retired at 55, after doing the same job at a local college for 12 years. I always believed in pouring money into my pension from my 30s and paying the maximum amount I could on our mortgage, which allowed to have our mortgage payed of early. Two unexpected redundancies (one for Mrs Metalman) in my 30s and 40s did not help but still allowed the early retirement plan but at a reduced pot of money. Still the best decision we have both ever made but we both decided that we wanted a small part time job each, after a year to expel the excess energy we both still had. Mrs Metalman stopped her 12 hours a week job 3 years ago but I am still working, as a school caretaker 2 days a week, as I love it, love the people and love the school. After a hernia last year and a bad knee this year, I have decided to finish all together next March and I am 25 percent looking forward to it but 75 percent dreading it, as I will miss it dreadfully but my body is telling me to stop. Good to hear it has worked out for you both, cheers Alan

Great video thank you for sharing!

the wealthy barber returns

The Wealthy Barber! That book is what got my bride and I onto the right track as well! (I was 34 at the time)

That is wonderful. It is amazing that these simple things are the key to a happy life. Most people aren't disciplined enough and need to buy the next biggest and better things. Enjoy your retirement, working is so much more fun when you choose what you want to do instead of what you have too! Choose FI is a great podcast for younger people too.

Good to see you were saving and learning fiances early on. Seems to have paid off for you.

Great videos guys. I Appreciate your sharing of knowledge and your life experience. You come across as a great couple, enjoy retirement.

Also JL Collins "Simple Path to Wealth" is a great read and the title says it all. Very similar framework using low cost index funds through Vanguard combined with a high savings rate and not carrying any debt.

Hi All, Jay from Melbourne, absolutely loved your video..! Another financial planning that is a best seller down under is - Bearfoot Investor ...! the concept is built on putting in place the 5 buckets - Daily expenses,Splurge,Smile,Fire Instinguisher,Mojo ...!

Amazing upload,👍 thx for sharing your wonderful experience loved listening😍 tons like & stay blessed always

Great advice. I am going to get a copy of that book. Who doesn't want to retire early! Looking forward to the freedom retirement brings. Thanks for sharing. Have a good week my friend 👍😊💕

Very interesting Norman & Tina - because you talk actual figures it makes it relatable and real. All the best from England

You Guys are on Fire, :-) Glad you are enjoying your enjoying your selves.

It’s a good idea to learn more about finances which seems to be the case here. You are a good example for others. Thanks for sharing my friends.Like Take care 👍💕

Great video, I will have to check out The Wealthy Barber, I have read a lot of finance books and that is one I had not heard of before. Thanks!

Fabulous real life story Norm and Tina, have done very well indeed if started at 38 and retired at 55 & 58 ... yes the extra little freedom is so good, touch wood here in Sth Aus we are out of lock downs and close to normal for now, but across the border the Vics and New South Wales are having a resurgence and unfortunately not faring well :)

Enjoyed watching your new vlog what an amazing couple so much love watched fully Thankyou 🥰🥰🥰🥰

Thanks for sharing!! 😍

I know exactly what you mean about how did I manage working and get all the chores done at the same time . I retired at 58 and now I'm 65 and I get tired just doing the chores . I don't know how I used to do it all , working and chores . I am single and always have been so I had to do everything myself . Must have to do with youth . Anyway life is good . You have nice videos , thanks . Here in the US we have been blessed . Other countries seem a bit more difficult to live but we know that , or most of us know that .

You are blessed guys! Will look for that book. Most of the financial material out there is written for attorneys... LOL I also suspended managing services from a big company when I realized I could do better than them ( based on another accounts performance). I couldn't do the FIRE, due to the 2008 crisis, but almost there!

Thank You Sir n Madam for sharing...... Really Motivating........ who better to learn from than You Guys..........

David Chiltern is from my city, I've driven passed his home many times. I think he did write an new book a while back, but his first book still is very relevant, especially in these days of high home prices and young families going into massive debt to afford a house. Living below your means and taking your savings and investing is the best thing you can do for your future self 😊🍁

Great advice, guys. x

You guys were/are so smart about this. Living proof it works. My 20 year old daughters have already started their pension saving. And investing in the first time buy scheme the UK has set up. Learning and research is always best.

Great advice on early savings and mortgage payment both we have done and just wish my kids would do the same

Good tips and experience 💝 love to learn from you both

I just found your channel and starting late than the normal age. Thanks for your encouraging message and congratulations.

Wonderful video friends great tips enjoyed it sledgehammered that like button stay safe awesome and blessed

Great tips! Automating your investing is such a powerful way to build wealth!

Thanks for sharing Tina & Norm. Great information. Such a cute couple! Also if one who is retiring owns their home, they can cash out 55% of the value of their property tax free without remorgaging.

thanks for your story. I am 57 and have been pushing my savings as much as possible for a decade now. Being single its a little less than Ideal. Also health issues come up, but I hope to pay off the house and retire early-ish... Now that hurricane Sally has me off work for the next month or so, I can practice retirement...

I just turned 38 four days ago. Thank you for sharing these info to us. Hope I will early retire as well.

I was trying to search for your channel today typing “Tina and Norm” 😂

I suppose the key.. is planning as early as possible ...it will be harder for younger people but essential in the long run......ps please send some warm sunshine to the UK..

Hey Guys.- its lovely hanging out with you 2. Trust you are doing well. Best wishes, from Delhi, India 😄👍🏻

seems your savings and investments worked out well for you *got our like👍Au👍fully viewed always*

Excellent video ✌😎👍👍👍

This is really informative, i watch this video full since it is really helpful for me. i am almost 38 now, but my finance and career is still not that good. i will try to read the wealthy barber. hope it can inspired me

I love reading personal finance books! I haven’t heard of The Wealthy Barber! Sounds a bit like the millionaire next door.

LOL Yes I struggle with time, catching up after a Donder and heading straight back out once the van is restocked.

I love the line, “We almost don’t know how we managed to go to work.” 🤣

Lovely people ,thank u very much.

Love the Wealthy Barber!! 💈 from Southern Ontario too! David did a great job explaining it!! Highly recommended to everyone!

My auntie bought me that book after I graduated and I have never even read it 😬 I thought it looked boring, but maybe it's time I give it a try.

Great information! Super you found the way. Awesome you shared this. ~ Brad and Diana

The beauty of the simple life is that it's anything but simple to achieve...so very well done. My wife and I are returning to Canada after 30 years expat life...perhaps you could take us on a visit to your local supermarket to see prices...just a thought!!! Loving your content!!

I remember his book and it made things simple indeed ! If I had to do things over , I would buy a small house and then continue to keep moving up ….go from a $ 50,000 to a bigger one at say $ 100,000, then go to the next level home of $ 200,000 and keep going on and on ( all the while keeping the present home as principal residence .)After 50 years, your principal residence could be over $ 3,000,000 … all tax free !

This is an amazing story guys!! We follow Dave Ramsey and he is big on mutual funds. In the end it is just making sure you are intentional with money you have. Holy cow, retire at 55 - that’s the dream. Thanks for the motivation. Good to hear you guys are opening up.

Awesome video like this 👌

Love listening to your vlogs Take care 💙💚💛💜

Very interesting, thanks for sharing! We are keen to get ourselves mortgage free as quickly as possible to help with our retirement. I am define going to read that book :) We seem to be on the same schedule as you guys here in Scotland with restaurants and shops opening up now. We have been very careful staying home as much as we can. It's been tough for our 10 year old not being able to play with friends but thankfully she is now able to to so and diesnt need to socially distance. Also she is able to at last hug her grandparents!! Do you feel safe going out to restaurants and shopping, meeting friends etc? I feel although our transmission rates our very low, I will carry on being careful! Being told here by our Government to expect second peak in Winter.....what a thought!! Stay safe both of you!!! Dx

Hey Tina and Norm! So great to see you guys, and we are experiencing a heat wave here too. At least you're not having to deal with any snow yet LOLOLOL!! We are enjoying your financial series and it's definitely informative. That's great to hear your story on how you were able to retire, both so young. Actually it's cool to hear that you didn't start investing until you were 38 and were able to retire at 55 and 58. People would seem to think you must have started investing at 20, to retire so early. But amazing to hear!! We also invest and have diversification and also dividend payments, which really make a big difference at the end of the year, and quarterly too. Some years are better than others, but the dividends are a nice added bonus. Same here in the US, very hard to get a job with any pensions these days, unless you have a Government job.. that's about it. Quick question for you both.. Looking back at when you bought a home as compared to now.. renting, you had mentioned how much you loved renting, compared to owning a home. Going back would you have still bought your home, or rented all along to have more money for investments instead of mortgage??? That's great that restaurants and gyms are opening up around you and things are looking up. We hope this passes here soon too. Great video and love you guys to the mother effin' moon!!

thanks

Walked into the bank about 4 years ago with the money in hand to pay the mortgage off. Guess what the girl on the other side of the desk says? You don’t want to pay it off, you can invest in out mutual fund accounts and make .2% more interest than you are paying on your mortgage. Ah, no, I’m paying it off, there is no guarantee with mutual funds and then I have to pay tax on it and pay fund management fees too. We, north of the 49th. can’t claim mortgage interest on our taxes if so then perhaps but no thanks. Mortgage paid and done! I’m not saying I have no mutual fund investments as I do and have seen the up and down craziness this year. So I have 0 debts a good amount of investments and this is freedom. Cheers! 🍻🥂

Awesome video and advice. I totally agree with you. I think the one thing I have to add is to be able to meet the right person who isnt trying spend spend and spend. LOL. LIKE #67 my friends. 👍👍👍

Thanks for sharing my best friend I like stay connected

Good afternoon very nice video 👍👍🌻🌻❤

That extra house payment could go straight to the principal. It speeds up the pay down and you pay less in the interest in the end.

Great practical advice, you guys! And, yes, The Wealthy Barber! A great book, indeed. My wife and I both read that in our younger years as well. 😀 Have a great weekend!

Very nice of you both, rocking, stay blessed.. stay connected...

Wish you have a nice weekend!

👍🤩응원하고 재밌게 영상 잘보구 가요~^^ 행복한밤되세요~~ 👍🎁❤🎶👍😍🥰

The biweekly mortgage payment Canadian scheme was such an easy way to reduce the mortgage. UK doesn’t have that. Another good idea is to use a financial planner - they typically pay for themselves (like an accountant should).

I’d love to hear more about your cruising days. Are there videos?

Warm greetings from Indonesia 🇮🇩 Awesome tips on saving money...💰 It's had to save at this hard time of covid19...😥 Stay safe and connected friends...🙏😇🤗

Hello Tina and Norm, really enjoy your videos, you cover practical suggestions for retirement and Thank you for the practical suggestions that at times reinforce my same line of thinking. I know you have mentioned many times that you are photographers and you submit your photos for “Stock Photos “, can you do a video on that and some suggested companies to use? If you have done that in the past could you link the video? Thank you so much !!

Looking forward for our retirement soon that's why i started saving up.

Fiiiiiirrrrssstt!