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I turned 39 today and I failed my financial journey miserably so far. But I’m working on changing that 😊 thanks for your amazing videos!

Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult

You, Christina and your family are an inspiration!

Man i love you guys so much! So inspirational... You guys are really an amazing family. Your transparency just made me realize I'm doing soooo much better than i thought

Great video! That’s why many Americans are retiring abroad.

Loved this video! As someone who just turned 30 with no kids, I have been intentional over the last 4 years and you all have been a great inspiration for me. Thank you for your transparency and always being willing to be thorough in explaining things.

Absolute gold Ahmad (sorry if incorrect). Thank you for educating those of us that are financially illiterate. You and Christina are a blessing to many.

Thank you! I’m 43, my husband wants me to retire now. Just found this site a month or so ago, so I didn’t factor in the 0% if I stop working so early. I am a vet, so I’ll be getting my VA & reserve retirement, real estate rents + I’ll be hitting RMD from my 401k. Working on my ROTH now. This info is just good to know…

Good example that jobs don't usually provide independence or wealth. Our own actions have much more impact!

Thank you for this video. I appreciate your transparency about your life story.

Extremely important subject 👌 very well explained 🙏

Great video as usual! Thrilled that you covered this topic and explained in a digestible way!

Checking in from the DMV.

I want to say Thank you. I started thinking about fire after listening to you and I believe I am on track. Preparing myself for fire in the next couple of years by diversifying the stock market and real estate. Thank you for your guidance through regular videos.

Such a great video, I sure have family living soley off of SS and cannot keep up with all the inflation increases. Especially with increased housing costs, food, and even utilities bills. Let’s all keep working hard!

You're 1,000% correct about compounding of interest. It's a tremendous way to grow wealth. Reinvest dividends and capital gains!!

This is soooo timely. I just pulled this SS doc the other day. I am astonished by how much I will get after ALLLLL those years of working. Thank you for planting a seed via YT & (ORJ FIRE Courses) Amon&Christina. #compoundinterest 💝💝💝💝

Another JAM video. Thank you 🙏 keep them coming.

Outstanding content! Thank you!

Real estate is the best way to become financially wealthy.

I hope that you and your wife are wildly successful in your dreams and aspirations, and that your children become the strong, self-determining, and wise people you hope they become. Blessings from America.

Great video! Maybe you can do another one on pros and cons of taking SS early vs later.

I have been thinking about this topic lately. Thanks for the video!

Great video! Looks like we FIREd the same year 😊 Very timely video! My partner and I were looking at that website this week and wondering what to do with our very small payments when they start coming in…please share when you decide what to do with yours. Love your work! ❤

This video is AWESOME!!! Thanks Amon for your transparency and sharing with us your social security report. It's right there in black and white. Proof again that folks can achieve FI and go on to achieve FIRE, making under 100k. Thank you for the encouragement as always. I will keep pushing. Thanks again for all you and Christina do for us. 😇✨️😁 🔥.

Just found your channel and learned a few things. Great video!!

Thank you so much for your encouragement!! Wish all the young people are open to the idea and possibilities as well ..

Thank you for that awesome video. It was very educational.

Awesome video!!!! Great nuggets to consider for sure! Thanks for being so transparent❤

Hi there! I would love to know your thoughts on annuities and other possible wealth preservation vehicles. I'm older, but still working, investing and hoping to retire early, but I'm concerned about wealth protection and long-term care. Single, no kids.

Great video, Among. This's a very important topic, and thank you for sharing your SS figures.

Wow, that's impressive planning! I have considered consulting a financial advisor to maximize my retirement benefits

Thanks a lot of sharing this video. It’s so inspiring and keeps the motivation alive.

Thank you for the in-depth explanation 😊

This video gave me much food for thought n I’m going to review my statement as well 😊🙏🏿

Thank you Amon and Christina. Many blessing to you and your family. I have been following/on this journey with you both since 2020 . Thank you for the push bc a sister needed it. My goal is to leave the country also, one day soon. 🙏🏽🤗💫

Thank you very much for this very important video

Hi Amon!! So grateful you are sharing your journey and wealth of knowledge in such a genuine and thoughtful way. You mentioned a video in it's self about if the pension/super funds will exist in the future and VERY curious about your thoughts on that topic. Wishing you a wonderful day!

Well done! Congrats to you and your wife on your successful financial journey, Your transparency is much appreciated. Would luv to see another video on the ETFs you're invested in. Have you stayed the course or are you changing the ETFs you originally started with and why. Blessings.

Hello from Miami Great job Thank you my brother . I Wish you wonderful happy healthy life with your family Best Benjay

Thank you for your inspiration and transparency, your information is very helpful

Hello, thank you for the great vids you post me and my wife live in England and will be starting our retirement soon on the Silver Coast and wondered if you new of any great rental agents to help us ? Many thanks Steve

Great breakdown. But you missed the fine print explaining the potential 20% benefit cut in the year 2034.

Great job! Congratulations! You girls did so many things right 🔥🔥🔥

Very transparent. Quality content!!

Thanks for sharing.

Thank you for always giving us the enlightenment. Your story is very inspirational and knowledgeable comforting knowing that financial independence and being able to retire early is possible. Your the evidence. This is far from circle park. 💯🙏🏿👍🏾

Thank you for all this great information

Nice summary for a young one! You sound like you have a pretty good handle on this. Not sure if I heard you right, but the amount shown on your statement are in current dollars, (with the adjustment for future earnings)Wages are adjusted by the average wage index(AWI). Staring at age 62 it is adjusted by COLA. Another fun fact is that Social Security payments are ‘progressive’, there are two “bend points”. The first portion of wages gets the most replaced, the second less, and the last not very much. We retired in our early 60’s, Social Security for the both of us will approach $7000/month when I claim at 70. So actually quite a bit of money. For people in your generation, count on some cuts!

Would it make sense to get social security early and invest it if u don't need it?

Great video. I would have never thought to go that in depth on the SS site.

Great video bro! I learned some new things. Thanks for sharing.

Good thing i saw your video to realize that my past employer didn't report my income/social secity tax income for the past 5 years like what.

Quite inspiring!! Thanks so much for sharing.🙏

Definitely food for thought!

This video was really helpful. Thank you!

Just started out investing got sick of looking at my ssi account and not having nothing to show for it. Now account is at 5 grand and climbing

You also will get a Gov't pension too!. 1985.00 and Pension will be pretty good. Great job!

Such great information... thank you!!!!

Thank you for such transparency. It's rare to have people share actual numbers, let alone over a whole career. It's inspiring to learn that you don't need an inheritance nor become Jeff Bezos to build wealth and live a rich life. Thank you so much for the inspiration!

Love the sharing and inspiration once again

The thought of retirement makes me cry. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you weren't to blame for.it's especially difficult for people who are retired.

Inspirational!

Thanks for sharing….and for the tip on if you retire early!

Honestly, you are a business owner who works for yourself now. You were able to give yourself the freedom to leave your jobs to free yourself from those confines. Your family is a great inspiration. I miss your videos when you both first started and shared the growth every month. Also, glad you are going over this because we are looking at that and found that that rule that you have to have worked within 5 years of claiming it without your amount changing for the worse. Many F.I.R.E enthusiast don't mention that. That made us think about what age we would start to withdraw from our SS and figured with the time we are going to F.I.R.E we would take ours at 62 yrs old. Then, we found we can only get income from 401K, Roth, Dividends, Interest, or annuity. That meant we couldn't sell off stocks without it being considered income and Social Security would be reduced until we are 67 years old if we decided to sell our stocks. We were so happy we were getting income from our dividend stocks and ETFs.

Very nice video 😊

This was really helpful... Thanks!

Excellent information

Thanks for sharing and being transparent. I hope everyone checks those projections for social security I'm 42 and if I retire at (62) I'm looking at $1,870 (67)$2,784 (70)$3460 One think I have learn is that just by working I won't be able to grow wealth. So my approach was to invest in real state 4 years ago. I can say that was the best decision I could of made. Now that was my approach, what will yours be?

thank you for this video!

Great explanation. Ty

Whew this was soo good! I hope everyone sees this video. Thank you for sharing 👍🏾

Thank you for sharing! I am 34 and earn the same as you in NYC it gives me hope that I can get to FI RE with my husband one day

Thanks for the insight video and how the social security calculates the retirement. Question, can you tells us in what department of the government you used to work for?

This video was great! ❤

Great video and info!

Thank you for the video, can you guys talk about your pension plan in a future video. I’m a calpers pension member it will be helpful. Thank you in advance

Funny how life works, your first earning was in 1995 that's the year I was born, then you retired in 2019, that's the year I came to America 😂 So far I have contributed 24/40 work credit just in 5 years period. Reaching financial freedom and retiring early is my goal. Been investing 10% of my salary in the S&P 500 into a 401k account, Investing another 10% in a Roth IRA account which comprise of SCHD, VYMI, and FXAIX Fidelity 500 and another 5 % in an emergency Fund. Finally another 10% Tithe for God's kingdom cuz I'm a Christian and I believe in the principles of sowing and reaping🙏 Y'all Chanel has been an inspiration to many of us. Thanks for the great work you guys do🙏

Excellent content as usual! . 🙏😊

Great video, very informative, thank you for amazing video! I am glad to hear we can get social security abroad. We are planning on moving to Europe next year from the US. Are there any US banks you recommend to have when you live abroad? Right now we have ally bank.

What was the main investment into the stock market in a brokerage account? I don’t see how you could have managed to build up a 401k or ira to that amount that quickly

Can you share your thoughts on whether you will be taking SSI at age 62 or delay until 67? Per my calculation my break even point is age 78.

Amon always says that the income outside his governmental work was the tipping point to rech financial freedom. In which videos does he talk in detail about what he did besides his work. Like houseflipping and such

You guys are setting an example for ordinary people who don’t have a rich parent or a high paid job and yet still can’t achieve the financial independence and retire comfortably

Hi Amon! Thank you so much for the valuable content! My husband and I have built wealth through our investments and are now exploring options to preserve it (not paying $$$$ in taxes). Could you please post a video on the "rich man Roth"? I'd like to know more about this topic and if it is worth pursuing to minimize taxes in retirement. Congratulations to you and Christina for your achievements! May God bless you all.

Another great video. "All your investments are the cake and your Social Security is your icing!" Yeah they say S.S. probably want be around or you have to wait until your 70 making it the new retirement age.

Thank you so much for sharing. Super insightful. Did you and Christina qualify for US Government pension? If so do you have any videos on how that will tie into your retirement strategy? Or how will a government pension impact social security?

Really interesting video Bro. Can I ask - was your initial 2.5m your entire NW at that point ? Were you renting or own other housing outright?

Hi Amon, thank you so much for everything that you and Christina share on this channel. I've been following your journey since right before you retired and have been very inspired. I hope you get a chance to answer my question and maybe it'll even inspire a video. "How much of your $2.5m portfolio was outside retirement accounts like a 401k or IRA? I ask because right now, I am only investing in retirement accounts trying to max them out but I'm afraid that if I get to 40 and want to retire, I won't be able to access any of that money without penalties. Please advise" Thank you again

You and ur wife inspire me to earn money that I can never spend and my child❤❤❤❤❤

Great info

Can you talk about the safety of using banks in other countries. Are deposits insured like in the USA? Do you keep money mostly in US banks or Portugal?

Thank you.

The only thing is if you receive other incomes while you are already Ritered the us cuts that social unto more than half after you file your taxes.

hello, im 48 with no saving, cant really save right now. not even sure what is my next step

Did you leave your TSP invested with TSP?

I’m noticing a lot of American expat retirees who receive SS actually doing little side hustles in their countries of residence and doing well. Many have KZfaq channels which I think is cool.

Relatively new to the channel. Great stuff. How is one house covering your monthly cost of living for the entire family assuming you also rent in Portugal. Does the difference in rent cover 4 people ?

Amon can you do a video regarding whether you should take SS at 62 or delay it to 70? Also since 6pm may have 22 mil what are you thinking about the tax impact?