Meanwhile 80% of the population makes it to 60-80yo. Your anecdotal argument, is illogical and mathematically redundant. So live in the moment... enjoy and spend all your money today... Fook tomorrow (sarcasm). Sorry about your Dad.

love that your neighbor was looking out for you. It's true! we can enjoy it now and later. I'm so happy to hear from you Alex! I hope all is well 🥰

@ Malama, yeah but the problem is most people dont save enough for retirement by traveling and taking all these vacations keeping up with everyone on social media. Not including Inflation and consumer debt. The average person needs two jobs or job and side hustle just to get by. Look at the housing market, the average persons making 50k a year wont even be able to qualify now. Times are so different

Hahahaha. An old guy I met at an RV park told me to get all the fun I can while young and able. He said, look at me, it takes me so long to get on my knees to pull the poop tank valves from the RV. 😁 Pain, he said, will be your constant companion when old.

If the globalists of the world have their way (the 'elites' , gates , soros, rothchilds etc) then we'd never retire. We will be wage slaves till the day we die with their proposed 'social credit system' and their digital currency that resets at the end of each month. They will make saving impossible , so no retirement ever. Look it up, the world economic forum, the bill and melinda gates foundation, they are proposing these things.

@@lucialuciferion6720 Yeah you right, with the way things are going with Inflation most people won't be able to retire. It's sad

so true :)

I totally agree. I think the pandemic taught a lot of us to slow down and smell the roses and to really focus on what's important in life.

March 2022, and I have posted my first videos. I am hesitant but at the same time I want to risk it all. I want to show you my world in Kenya. Hoping that you will love it. Hoping that I will enjoy it too.

You could find purpose and meaning in what you love to do and the way you live like in the present ...

Love this comment 🙌

Well said! ❤

This. Too many focus on the RE part. RE (retire early) really should be replaced with "recreational employment". It would make so much more sense. "Retire" technically means stop working, but to me, it simply means no longer HAVING to work for financial reasons. If I am making money because I choose to, I don't really consider that working. Just simply being a part of my community that I'm lucky enough to profit on. The real focus should be the FI part. And from there, there are so many options such as coast FI, barista FI, lean FI, or just regular FIRE, etc. Depending on what each individual wants. FIRE gets a bad reputation because some don't want to retire early because they think it just means sit around and do nothing, and they'll get bored.

Salutations, dude. At your age, you're doing extremely well. I'm 54 years old, and right now my finances are a mess. Any helpful advice would be greatly appreciated in helping to mold my life. I want to buy a home of my own.

It seems like I used the FIRE movement to manage my finances. Investigate it further by doing some research. With the help of a financial professional, they were then successful when investing in stocks, cryptocurrencies, and real estate.

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

'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

ensure you add value to your life first not always to your employer, everyone is replaceable. I am always making sure of this to ensure my own sanity and future security.

Big ups to everyone working effortlessly trying to earn a living while building wealth even after the massive layoffs. My wife and I we are both retired with over $2 million in net worth and all paid off debts. living smart and frugal with our money, made it possible for us this early, even till now we earn passively with our asset coach. Adapt to a lifestyle, be thrifty, set a budget, save money and build more streams.

Fine steps! you could also take advantage of some growth stocks at the moment, every pro is currently bagging some digital dips. For me, my coach Deron Cirillo my advisor has been using every opportunity to ensure I benefit, well positioned as I’m also privy to improve.

Protect yourself against your job, Run a side business or contribute to an open earning project streamline that is unrelated to your day job, that way you develop an independent skill against layoffs.

I am not living paycheck to paycheck kellen but am feeling the squeeze from higher food, utilities & gasoline. I looked at my budget constantly & finally realized that I was paying too much for cable, internet & cell phones. It is a pain to have to renegotiate yearly but really saves money. There are places in the budget to cut & pay yourself first, really works.

How?

@@joanne9604 I would suggest that if you have to ask, you are not yet ready to retire. I'm a year away from retiring early from an executive position. My identify is not tied to my current role or organization, and I have more than enough interests outside of work to keep myself occupied for a lifetime. I won't be bored, and I also won't miss the health-sapping stress of work. 🙂

@@lasticonoclast2960 yes I'll not ready to retire. I've had a lot of interest as a kid. It kind of dies out as I age. I think I've not put my hobby in a greater priority than it deserves

I retired from the military in 2018 at age 41. I have rental properties and that allows me to be financially free. I have been traveling and enjoy it but we also should consider building new relationships. Early retirement can get lonely if you don’t fill your time with productive hobbies. It is a new area that we explore within ourselves.

So true

You said it!

And what about you Debs? How many countries have you been to?

My dad and his brother both died before retirement. You're right.

Majority of retired people are struggling financially... Have a guess what kind of mentality they have when they were young? If you want to be part of the statistics, go ahead... Live today as if there's no tomorrow, getting old with arthritis and no money.

Good for you :) enjoy your retirement!

@@MalamaLife Yep, and sometimes it's nice to do nothing all day and afterwards to rest.

53 and still working, fine, planet has lots of work to be done, yet I do it at my pace. Kids not taken for granted, nor physical health requirements, or that of civil society. Play piano and acquired a second language too. You simply don’t need retirement, although having your money stable is helpful.

you should because we never know when we will die. lots of people dying in their 50's lately, especially sportsmen

@@davidsebastianelli1326 You don't have to retire just to do that lol

Your post is really meaningful to me. First off, I have your same first name and your last name as my middle name. Secondly I’m reaching for a similar goal. I’m only 44 years old and still have some full-time work ahead of me. But my goal is to save enough money that I can work part time. Just like you. Work on my own terms. Also working in an environment that provides me with a healthier lifestyle. I love what you’ve done with your life in semi retirement. I enjoy working and I enjoy being productive. So I definitely don’t think I’ll stop working. But 40 hours a week is killing me. Especially raising a family right now. I have teenagers and they are soon to be adults so there is a light at the end of the tunnel. And I’m looking forward to being an empty nester so I can pursue some of my own dreams and save a little more of my hard-earned money. There are many interests that I’ve left behind in pursuit of taking care of my family. Like playing an instrument and creating art. I’m looking forward to the day that I can take some classes and relearn those things. Who knows maybe I can supplement income with some of those talents. I’m so happy for the changes that you made in your life. You’re an inspiration to me.

i can't believe you are still working part time as a nurse at 67. shouldn't you be retired by now and just do the dog walking. nursing is way too stressful, even part time.

@@jenshark4 maybe some of your objectives don't have to wait until your teenagers are adults....maybe you and your kids can take an art class together- you'll be able to create things here and now, and (bonus) it could make for good bonding time with your kids :). Doesn't have to be that example, but I believe the point she was making was to make time for this types of things now...

Much admiration!

Thank you for sharing.

and we can die at any moment. so enjoy the now

@@ivanmectin9106 yep 👍

I'm so happy to hear that Lynn. Thanks for allowing me to share my story :)

March 2022, and I have posted my first videos. I am hesitant but at the same time I want to risk it all. I want to show you my world in Kenya. Hoping that you will love it. Hoping that I will enjoy it too.

Intuitive inner knowing and discerning to choose the ultimate path does wonders hopefully when we do things we love wholeheartedly for the greater good. On higher spiritual levels , all is one and one is all ...

@@Lady_Zunguka I visited Nairobi, Kenya some years back. I love it. Cant wait to visit again. 😊

@@sharonkaramba6956 please do! and i am glad you enjoyed it. Where are you from?

🥰

be extremely selfish and go after work life balance

Work and goals are addictive. Now I don't know how to live without those goals. Money isn't enough to save but I refuse to die working! I am scared but it must be done. You are a point of light and joy, not a tittle. Have a hobby from now. Most ppl die before or the same year they retire.

Some advice. Make sure to get a lot of work experience now. You need to make sure that you actually like the job, before making such a commitment to going through the schooling and invest your time/money. It would suck to get out at age 30+ only to realize that you’re not happy once you start working.

I'm glad this message resonates with you. I also need reminders to slow down and just enjoy the life that's going on around me. thank you for watching!

@@MalamaLife of course, your videos are a highlight of my week.

@@MalamaLife Something driving me now after being kicked off due to working too long only in one big company is to study machine learning. I try to find out how to get an eternal life.First I need to understand consciousness. Well, consciousness is not a static thing, so we need to store it in some type of memory, but it will need to get ‘CPU-time’ also, just like an uploaded version of you would need for ‘thinking’. Then our brains need input from the outside world (or a simulated world) and it would be pleasant if we can also act in that world: manipulate the state a bit by having actuators or maybe by sheer will power. Note: there are already devices that can pick up brain waves to help disabled people have some kind of effect in this world. They can move an arm prosthesis or mouse cursor, whatever. Having no inputs will lead to insanity quickly. Having inputs but no way to act is very scary also. Imagine you can see some scary thing coming your way and you can’t run or hide from it? I thus would like to go so far we need all 4 ingredients: memory, CPU, input (sensors), output (actuators) and I consider this the very minimum. If your virtual brain is placed in a virtual environment that is just too weird, you may not be able to adapt to it. Have a happy life to the other side where your soul will go.

It also means that one doesn’t really know themselves. People in an industrial societal are programmed to be this way. This lady got of the box, got scared and jumped back in.

Thanks for your sharing ! But what did you do after that ?

This is the problem. In his head, he probably was thinking “well, you were hired knowing there was significant travel…” so he doesn’t see a need to change or modify your position ~ also, bosses are used to hearing “everything is fine” even when it’s not. So, as much as he acted like he cared by asking…he was anticipating a different response, one that would mask the fact that he does NOT care!

Run as far as possible from that boss. Don’t mistake your work with your life!!

@@lindseydowney926 In the words of a character in a famous movie.... "Listen kid, nobody cares. Worry about yourself, your family and the people who are important to you."

@@lindseydowney926 you don't know that

You are so right. I hope you can all enjoy life as is! even while dreaming.

@@MalamaLife ❤️ I honestly think your videos help us. I wish you had a time travel machine and could post all your content earlier!

Deep insight. Hope I can remember this learning going forward.

I really respect your decision and your thought process behind it! I think I would've done the same :)

One of the most sensible comments here 😊

Kudos to you for living below your means! Keep it up, that is the KEY to living a sane life whether you retire early or not.

Congrats Rachel! that's so exciting. But yes, I hope you are still able to enjoy your life as is :)

Same for my wife and I, I’m 39 and she’s 34 and we paid off our mortgage 8 months ago and living a much more relaxed life now. Took us 7 years of sacrifice and throwing everything at the house but we didn’t sacrifice our time with more work but mostly living beneath our means instead. Still went on vacations and enjoyed life.

Same here sold my stocks earlier and my strategy ever since has been pretty much-buying Gold and silver to protect my wealth but if I could come up with a way to stay invested and be profitable that would be brilliant.

Last year a colleague introduced me to a financial advisor *PRISCILLA DIANE AIVAZIAN* With her help, I have been able to diversify by investing in different markets and asset classes while also keeping an open eye for attractive stock picks. she is quite known so you can find more about her online.

Thanks for the recommendation I found her website easily online and I’m really satisfied with her reviews and certifications, this is a much safer and easier way for me to get back in this very volatile market.

I made the regret of my life tackling this volatile market by myself now it’s been red after red. Considering how badly I messed up my portfolio, I would love to get guidance.

I just checked out her name online *PRISCILLA DIANE AIVAZIAN* and was able to find her website, her qualification/testimonials seem solid with positive reviews. Thanks for sharing

how did you afford to retire at 30 ?

Congratulations, I'm so proud of you. I'm doing the same, hope to quit 9-5 on my early 40's 😊.

I'm happy to hear that :)

Consider living as this is your second or third life and apply the wisdom readily discernible. Time passes slow for me, which is swell. Self employed, wife, kids, health, toys etc. All doable…

The earlier you start saving and investing the better off you will be. Compounding interest is a type of black magic that few talk about outside investing circles, but it could very well be THE determining factor between a life of un-ending work, and a life of earlier-than-you-might-expect financial independence. The best way to compound is to start saving and investing as early as possible. You would be better off financially by saving a good chunk of money at 19 and letting it compound untouched and un-added to in a index stock fund over the next 20 years, than by saving a little bit here and there every few months for the next 20 years. Granted, getting into the adult world, getting your first real paying job are exciting and it's easy to soon take that money for granted. There are people making big salaries and blowing it all every paycheck... 200k 300k a year and somehow their "lifestyle" expanded to consume it all. Don't allow yourself to become this. Even normal unglamorous salaries have enough room to save some money if you are focused on it. It may seem like I am going against the theme of this video. There are certainly valid arguments to be made about enjoying life in the moment rather than sacrificing now for later. After all the NOW is really the only time we actually have. BUT BUT BUT when I was your age I wish I truly understood the benefit of compounding and how much of a game changer saving money EARLY would be, I would have really focused and planned and even sacrificed a bit to save more money in my early 20's. Balance is the key in all things. Just a little advice from a stranger on the internet. Good luck. Be smart. And enjoy your early adult years.

@@TanukiDigital same here. If I could do it all over, I would have saved as much money as possible in those early working years, when it’s normal to have roommates or still live with family.

​@@username00009 You more than correct. My brother former coworker started earlier when all of us "were living to the fullest". We even laughted on him because he was missing out by being frugal and investing, we used to call savings and inventing "adult things" now 10 year later (same age as me 34) his investiments is paying off, he lives wherever country he wants and work with whatever hi feels like. I got a wife and have children that himself homeschool them and enjoy all extra time with his kid including summer breaks. I have started a bit late when I turned 30, thanks I have a good salary and I'm investing hardcore by being very frugal. Within 3 years (37) I will be able to withdraw 100% of my monthly expenses, but, will continuing work cause I love my work, it will allow me to be more loose with my salary and enjoy more out of this life by helping people in need.

As long as you can afford it. But there are a lot of young people that haven’t worked and want to be paid to do nothing/I agree life isn’t about working every second but working builds your character and it allows freedom. If you are reliant on government then you are not free. I’m sure that’s not what you mean I think most Americans do focus on relationships but I noticed younger people seem to be focused on not working.. what do you think?

@@stevdaughtr6098 as a young person the problem is that young ppl dont want to work, but then the question becomes why? Why dont young people want to work anymore. Honestly the answer is quite simple. Kids my age 25 and under cant afford shit. we have been told our whole life to just work hard and good things would happen. Well we get out of school work hard for a year or 2 and then realize that everything we have learned is absolutely false. I cant even dream about being able to afford a car, let alone getting a house in a few years just after paying my damn rent and other utilities every month. I work at fedex 40+hrs a week. I have no life other than going to a factory and lifting boxes all day for 16 an hr. Then I get out of work just in time to get home and go to sleep cause I gotta do that shit again for the rest of the year if I want to sleep indoors and have food to eat. So fuck that. I quit and Im never going back to a workforce in a society that doesnt give two shits about you as a human being. I was not put on the earth to spend my next 40 years at some corporate job. That shit is not important to ppl my age. We just want to be able to live our lives and have experiences without having to give our life away to some dumbass job and company who could not careless if I literally dropped dead tommorow.

@@stevdaughtr6098 that’s some boomer cringe. 🤣

@ Krissy yes you are right. The young people 30 and younger doesn't really want to work. They want something for nothing

Because not everyone has a nice paying jobs. This video is so tone deaf.

Thanks Debbi! I'm so happy that you guys were able to find that balance :)

The term "rat race" is an insult to the rats, as they don't have to work to live. They race for fun.

You stay in the rat race that s a choice don t kid yourself

I agree but make sure you are doing some of the things you want to do now instead of putting them off until retirement just in case you don't live long enough to even retire early. I lost my 39 year old cousin two years ago out of the blue to a blood infection. I'm 50 and feel similarly. I want to retire so bad....or at least drop to part-time work instead of the 50 hours I've been required to do to keep up at work. It's exhausting. Still we are taking (frugal) international trips every couple of years to make sure we get to do them while we are still young enough to do them. Hopefully retirement will allow us more time to travel but no guarantees.

❤ thanks for watching

Sending you all my love. I hope you stay strong during this time Kayla.

How sweet! 🏖🌊

🥰

Sounds like a perfect balance to me :)

I'm glad you decided to prioritize your health! wishing you all the best

love what you do and you'll never work a day in your life

Thank you Bob

@@MalamaLife you are welcome ‘Malama Life’. Have a wonderful afternoon.

I wish we could all work the jobs that we feel passionate about! thanks Shelly

❤️😊

I often think about a movie I watch alot. Benjamin Button mother said several times as things happened to people in the movie at different ages... "You never know what's coming for you" Those words really hit hard for me. My friend's sone became a pilot just like him. So then they both would run into each other traveling the world at ariports and cities. SO, back in 2014 his son was back in Miami taking a week off for his birthday. He decided to ride his motorcyle really fast during lunch hour. Unfortunately he smashed into a car a few blocks later. He died in the helicopter on the way to the trauma hospital. He was 27 a day from his 28th birthday. There are no guarantees in this life. "You never know what's coming for you".

So true 👍 if I find a job that's meaningful and enjoyable, I would always work

This is so important! I've also adapted to a minimalist lifestyle

Yes! learning this as I go :) thanks for watching

❤

Yes! that's exactly how I want to approach my life :)

This is so definitely true! There was a time I had a job that gave us 6 weeks of vacation time. I would always take 3 weeks in the summer and 3 weeks during the christmas and new year holidays. I felt so relaxed by the 3rd week each time that it occurred to me that working all year sucks just to be a off a few weeks. The problem is like you said about them putting guilt and shunning taking PTO. Profits! Profits! They don't care about us. Like in a famous movie quote... "Listen kid, nobody cares. Worry about yourself, your family and the people who are important to you."

Every summer I now take 10 days plus the weekends in between with my family to go on vacation. Evertime it's time and I go, my boss likes to give me bs about it! I always tell him , "relax, the world will be fine during my short vacation". His dad had the nerve to say that I actually took 15 days vacation. I said, "how do you figure that? He said because of the weekends before and after you vacation add up to 15 days... The nerve of him to try to day that my weekends are Paid Time Off!!!

Yuuup or work in grocery stores and food service.

Exactly.

You're so right. Having hobbies and finding your passion is so important. My observation is that many don't take the time to find their hobbies during their younger years which leads to the retirement blues

I have way too much I want to do - will be way more mentally and physically stimulating. Unfortunately to ensure the family's bills are paid and I'm not broke in retirement, I have to work till I'm 60 at least somehow. And I have my own struggles already being seen as too old at 40 by younger coworkers.

This guy gets it. If I retired now, I would spend all day raising my kids and being there to watch them grow up. I have motivation to retire early. Unfortunately not everyone has something to look forward to when they retire besides not being at their job all day

@@suziesmith8288 no one wants to wait. They're just sacrificing for their family or don't have the leave or money. In some parts of the world young people don't earn enough. But best time would be while you're young. Even with no money constraints I could only do 4 short trips by 42 (and emigrated).

I agree with you about the generational mindset. We can take the important lessons from the previous generations, but re-invent to what works better for us moving forward. thanks for your comment Regine

Not to mention that many older generations hade progressive policies which included pensions, unions, etc which many today dont have. They tend to leave that part out when it comes to hard work. 401k were and are not designed for retirement as well.

Yess!!

😁👍

What industry do you work in that you have such flexibility? I have decent flexibility working in the finance industry, but meetings usually aren’t flexible.

@@username00009 IT industry, I am a software engineer. I have a daily meeting at 9:40am and then on my own.

Love that mindset. Working towards a purpose is so much more meaningful

@@MalamaLife I appreciate you doing the same.