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Hi Yogi sir .. I have been watching various FIRE videos and reading lot about it… but in recent times.. the one that I could really connect is your videos.. very realistic and practical… I want to ask…do you provide retirement planning review as a service ? If yes I would like to discuss with you and get it validated from you… please let me know the charges and how should we go about it in case you offer this as a service…

Hello @Seema and @Yogi - Trust you are doing good, a great video once again. A different POV on Active Vs Passive Investing: I actually second Seema's effort "now" for exploring the trading route. Reason is, when we are focussing on our core skills then it makes little sense to jump into trading with half baked knowledge and unsolicited advices however now that she has time in her hand, it makes perfect sense to grasp on the skill set. Never mind the initial losses, they are part of the game but what we should deep look is the "skill" she is acquiring and honing to move up the value chain. I believe that grants you a firmer grip on your folio. After all we have seen poor mutual funds but never a a poor mutual fund manager :) Thoughts?

Thanks for sharing your journey and common themes. You make good content, and I would love to hear your perspective on how to find friends and community when traveling to a new country as a youngish retiree.

Your videos are very valuable. Please continue to share sir! You are truly "returning" valuable gyan to many who will or plan to retire early or otherwise. It helps to know all the things one has to be aware of , plan for (instead of worry about later) etc. Thank you.

I work in Bangkok since 2015 and is planning to retire here in a couple of years. Happy to See you both shedding some light into the benefits of retiring in Thailand. I just love this country and the possiblities it has specually for my passion of cycling, biking etc.

yes we actually Interested to know more about it

Did you visit thailand a few times before deciding to retire there or it was purely based on financial wisdom. Eagerly waiting for video about life in thailand fom indian persepcitve

How many kids do you have how many relations you have like you mom, dad, brother, sister, kids etc

Wonderful as always. Please make video on death planning/estate planning/ succession planning too. Hopefully, your intelligent insights will help many.

Wonderful as always. Please make video on death planning/estate planning/ succession planning too. Hopefully, your intelligent insights will help many.

Hi again, i work in IT, how is the work opportunities in Thailand for IT, and other work opportunities for Indians. Since you have onsite work experience, can you share how can i find?

Another lovely video from the lovely couple. I wonder why they chose to retire in a country where they have no roots. Wouldn't it make more sense to retire in a familiar place? For example, if I were Bengali, I would retire in a city in Bengal with adequate medical facilities (and get a lifetime membership in a country club), and using it as a home base for world trips. I'm curious about Seema and Yogi sir's reasons for choosing Thailand. Is it because they feel rootless now?

FIRE should be a retirement aspect. But zeal to work even at 60. Thats FIRE, retiring early is a FLOP

That's really a very thoughtful & insightful video. Have been subscribed to your channel for almost 5-6 months now & loving every video you have been posting. Thanks a lot Yogi ji !

You made a good point about contributing/giving when people need it. I've tried to do that with my children and others who need it. Thanks!

Cleanly explained ❤

Yogi, I am guessing I am 5-7 years older than you and still 2 years away from getting FIREd. But we have been thinking about retiring in Thailand for a while now and happily discovered your channel a couple of days ago. Don't know if you have kids. But in the context of regrets, was wondering how you are managing kids, close family, and friends while being retired in Thailand. Thanks to you and Seema for your content and effort. Cheers. Ram S

I am a newly "retired" person (just six months back and not-so-young when I retired viz 54). Few points to share 1. Expenses calculation tends to unsettle many people - I followed an easier approach by using just a single account for payments. And the difference between opening & closing balance is our monthly expense. We can do this for a year or two and we get a broad estimate 2. One need not really how much we are spending on buying palak every month or spending on restaurants - high level estimate is more than adequate. 3. One may look at debits beyond a reasonable value, say 50K, and one gets an indication of big heads - usually, it is travel, clothing & electronics apart from once-in-five years expenses (like buying a car or doing a home renovation) 4. What is more imp though than expenses is to find out whether one has cultivated an interest while living & working. Nowadays, window of a person's orientation is their Google/ RUclips footprint. If this is limited to general news or passive music listening but does not reflect a deep interest (reading, specific musical instrument) and if one is not pursuing such an interest while working, such ones should preferably not retire at all. 5. For me, travel is hugely overrated as world is broadly flat and all places today operate within a range and unless one has a specific deep interest (say photography), people will get bored within a few days of travel too. So, my recommendation will be that more than expense calculation, find out if one has cultivated a deep hobby which is being pursued throughout life. If no, then better keep working till health stops one. If however, one has a deep interest, then stop working and dive deep into the new life - life will be great once we can devote our full time into our deep domain of interest that defines our own self..

Dear Friend, I happened to watch a video of yours on moving to Bangkok for retirement with a retirement visa.I liked that, and it prompted me to go to Bangkok with my wife, we are retired and spend 11 days 9 in Bangkok and 2 in Pattaya. I loved it.Wife prefers Europe. I loved the food, the people, the affordability. In fact I spent only 50 % of our budgeted expense. Thanks for the motivation. Regarding your present video, I feel that it's bit repetitive, and if you could have shown that beautiful wooden house a bit, it would have been an icing on the cake.thanks again.

Appreciate the honesty !!

Great review of your retired life. It will give others a great insight into what to expect..

During your work life you are running behind process, target and priority. Now that u r retired how that mindset is impacting in personal life post retirement. My father tried to show his manager power in my home after retirement like his past and later it didn't worked in front of my mom, ofcourse all home is under control of mom only 😂.

I appreciate you're work sir. Its helpful for us

This whole thing called FIRE is a load of nonsense. Many lazy folks have implemented this garbage called FIRE and become lazy. Only lazy people retire early. I don’t care how much money I make but work keeps my mind refreshed.

What a great informative video 😊

Wonderful insights.

There is a catch here..Fire equation totally changes when you don't have kids..i believe you don't have kids?

Same boat , Three years post FIRE !!! .. enjoying every bit of it . Thanks for sharing your experiences

Very nice subscribed

Do you guys have a podcast as well ?

Excellent update sir

Good video. I retired from working in hi-tech for 27 years earlier this month. At 51, I am fortunate that I got back my freedom/time from corporate America and feel very blessed that I hit my financial goals (actually outdid even my wildest goals) thanks to FIRE, saving diligently and investing and staying the course that Warren Buffett says. While I adjust to the new phase of life, I am enjoying my sons as they finish up college and high school. With that said, I wanted to know why the speaker chose to move to a lower-cost GEO vs where he worked (I think he implied Singapore or India)? When one moves, you have to re-establish your relationships with a new set of people and that personally is a mountain that I will not climb ever because I want to retire in Bay Area and not have to move to another state/city/country. How did the speaker adjust to not being near people with whom one has established some relationships over time?. The other point worth mentioning is that the top down view he talks about is hard to visualize or know. Because, one can’t predict the future or returns over 2 decades. Personally, I have spent some time thinking about the 4% rule and take yearly expenses and x 25 (4% rule) and pushed my employment to guard band that number by 50%. As you get to the exit point, you can overshoot your number by 100% based on market returns or other considerations. Meaning, it is best to prepare yourself for just 25xyearly expenses and not guard band. As to the delta that he has in capital between top-down vs bottom-up, what does he plan to do with that?

Really great video and kudos to your level of clarity even after two years of taking the retirement decision and not having any regrets.

Lets take an example, personal earning 25K per month..got jackpot in sharemarket and created corpus of 3 Crores. if you take 3-4% withdrawal rate then he/she will be in safe zone to take plunge in FIRE...But do you believe he/she will take that plunge...if yes then why? if no then why? my answer will be no...what will be yours.

This is brilliant. Very honest views in professional quality. Thanks for sharing your experiences.

In case you are in excess of money, i can send my account number mate .

You had this gap to fill by spending more money? And why would that be a problem....because u would not end up exhausting all ur savings? Because u might be left with some extra money for the rainy day or even to donate...

This is so true. There are certain expenses such as wardrobe, transportation to work and socialising coffee/ post work drinks/ lunches / dinner which go fown drastically post retirement and they are not missed at all. Instead they are replaced with healthief habits of taking up active hobbies most of which cost nothing and enjoying cookingmeals at home adding to your health and quality of existence. Identity is the toughest part of the transition and a steep learning curve. How do I get in touch?

Enjoying your videos.. do you feel 1 more reason for expenses being less could be the lack of steady Cashflow into savings account?.. as in when the funds are tied up in investments, and there is friction to withdraw any funds from investments, mentally you would kind of think twice before spending any money..

Sir,how much $ amt you had when you decided to retire in Thailand?

Loved your calm when you talk not just the content! Looks like Thailand and meditation is working 😂

Hello sir how you have controlled the greed of saving more money? I used to had a target of 5 crore which I have achieved this year thankfully 2.5 crore portfolio of my parents each and about 40 lakhs is my portfolio. Now I want to make it double digit that upto 10 crore….😢😢

Thank you for sharing. Are you based in Thailand or Vietnam after FIRE or have you moved back to India?

Great video. Must needed!

I don't think you ever talked about living wealth as inheritance to kids ? If you do want to leave it to them then it doesn't matter if you spend less but it will matter if you spend more.

Hi Yogi ..i totally relate to what you said in this video...everything happened like what you said when my hubby retired from his high level corporate job....luckily he has a closed knit of friends to replace colleagues!😊

Just found your youtube:) thanks for all your sharing ..(including your wife of course!) your retirement journey sound so eerily similar to ours! We worked in SIngapore for 7 years, London before that and now living in Australia....yes ..scratching our head where to geoarbitrage..was looking at Malaysia but the new MM2H put an end to the plan! Was in Bangkok and Chiangmai and Pattaya last year 😊but the language barrier was too much for us! Mind if i email you? Tks!

Thanks Yogi! Love the equation of Quality over Quantity!

Yogi loved your video. I think we should bebeneficial if you share your excel fire calculator &yeah I know you don't want to disclose your fire no but just the calculator with arbitary values

Everything is good about your videos but I have two questions and first one is important to know so that we may analyse how much we need if we want to spend like you. 1. What is your total corpus 2. What about your kids their education and marriage etc This will help us to understand how much we need to gather the corpus