▸▸▸ www.365daystofire.com/ Enrollment is now open for our 365 Days to F.I.R.E. Program for 2025 Sign up and get: ◼ Completed F.I.R.E. Plan, Stock Investing Plan, Real Estate Investing Plan, etc. by the end of program ◼ Daily F.I.R.E. Actions ◼ Monthly Live Q&As ◼ Small Accountability Groups ◼ Quarterly Book Club ◼ 3 Meet-ups in Portugal, including a 2-Day Conference with us in Porto! ◼ Private Facebook group ◼ Lifetime access to daily tasks, recorded live Q&As, recorded book club meetings, Facebook group, and resources ◼ Discounted future meetups as 365 Days to F.I.R.E. program alumni ◼ And more! To learn more and enroll NOW, go to: www.365daystofire.com/
For every dollar you invest at age 20 (~10% return) it will multiply by 88 if you leave it invested until age 65. See Mr. Money Guy for more details on how, why, etc. It is quite inspiring. Great job and keep....feeding the PIG!!! ; )
Man, I love RUclips! I grew up in environments that were full of drugs, violence, and other bad stuff. I didn't learn about managing money or investing until I stumbled on RUclips videos like yours. These videos taught me to hope for better things, to be smarter with whatever money I have, and to make things happen. My life has improved a lot, thanks to you guys and others. Thank you so much! 👍😊
That’s awesome to hear! I’m so sorry to hear about your past. I didnt grow up in your environment but I did deal with abuse and it can really take over your life to move forward. I hope youre doing well and started your investment journey. Love from Cali
These guys are my “rich aunt and uncle”. This channel is a must for couples. Appreciate everything you guys do for us. P.S the new home looks great on y’all. Love seeing the radiance. Cheers! From 🇨🇦
I wish I knew I would of started when I was 16 and working. They should teach this in high school. I started my Roth when I was 19 after I was told about it in the military. I’m 30 now and always encourage people to start theirs.
Your backyard is amazing! Pursuing FIRE myself. Buying dividend stocks, have author royalties, and I’m buying a rental property. Hope to get there by 40. Really liking your channel.
Love this couple. I love the way they smile and look at one another. Genuine love. I have learned more about investing from this lovely couple in the last 12 months than I did in 4 years of college. Where is the list of suggested books to read. Thanks much!
Would love to see a video on rolling a Roth 401k into a Roth IRA and the rules with early distributions on contributions and earnings. This seems actually somewhat complicated and complex for something that I thought would be simple! Spent a few hours researching it and still haven't found a clear answer yet.
Such a video will be super helpful for real.I have watched the other video Roth conversation ladder and that was helpful as well.Again lots of thanks for all you do.
Thank you for this video. My husband and I are in our forties, never learned about investing. We were told to put it in the bank. We've lived most of our twenties and thirties pay check to pay check. When we did receive a windfall we should have invested the money. Live and learn. Starting a Roth this weekend. Will max both. I've been researching. I thought I had to have income to get my own Roth IRA; now I know I can get a spousal account through my husband because we file jointly. Mind blown. You have a new subscriber. I love that your videos are straight to the point and very clear cut
Retirement looks good on you two!! Christina you are glowing!! Now serious question: what if you are in a high tax bracket and plan to be in a much lower tax bracket in retirement? Would contributing to the ROTH still make sense? We also plan to retire early in Europe but as citizens. We definitely plan to use the ROTH conversion ladder!
Backdoor Roth- Open a traditional IRA account, keep no funds in the account and use it exclusively to fund the Roth by way of an immediate trustee to trustee transfer to the Roth IRA account. No video required, that’s how it's done.
Hey my hometown, Oakland fam, I've been building my Roth Brokerage account, buying stocks so when I retire, all my investments will be tax free, love it and luv u guys, stay blessed.
As a few other commenters have mentioned, Portugal does not recognize Roth IRAs. You'll have to pay tax in Portugal on distributions (the gain only) from a Roth. You're safe for the first 10 years, due to the NHR exemption. After that you'll owe tax as long as you're a tax resident of Portugal. I would love to see you guys do a video on your tax strategy for year 11. The higher income tax and higher capital gains tax will negate much of the Portugal cost of living savings.
So happy you guys made a video on this! I remember in a previous video you guys recommended the custodial account for growing your kids money. Wouldn't a custodial IRA be better for them than a regular custodial account or did I miss something?
Couldn’t focus on the content. I was too busy looking at the beautiful backyard. Nice change up. Of course it was a great video. Roth’s are a powerhouse. Great stuff you two
My wife and I love the info. We are working on our fire journey, self employees. Own Our home, own our business, opened Roths , and an income personal account .thank you so much for the guidance. Blessings to all of you...
Hi guys! Great video as usual 😊. Today we got rid of one of our cars giving us another £500 a month towards our FIRE. Thank you for your continued inspiration
I don't even know how I came across this video but I just subscribed off of the first video. This content is like a hidden gem. I've been working for government for 20years now and cant retire cause I'm not even 40 yet. Time to make some changes starting with this investing course.
I have learned so much through you guys. Max contribution to TSP (DONE!), Opened Traditional then xfer to Roth (DONE!), GEHA come November. I appreciate your work so much and am so grateful how you have helped me prepare for FIRE. You've got me hooked :)
I've been watching your videos and learning so much. I am thankful that you and your family are reasonable and normal folks that I can relate to and trust your advice. Thank you for all you do to help people!
I am just beyond grateful for your videos. I want to tell you that I appreciate the information as I am creating generational wealth for the first time in my family. Thank you so very much!
Love, love, love your videos! Both my husband and I are self employed and we do not have a 401k. I have been trying to find a video on the differences between Solo 401k, Sep and Simple 401k. I am overwhelmed! Do you have a video geared toward small business owners by chance? I am hoping you do! you explain this stuff in such an easy to understand way. I appreciate everything y'all do!! :)
Good Video! I didn’t see it mentioned, but in regards to asset allocation (%stocks and %bonds), make sure you only park stocks in this account, and carry your bonds in the tax deferred accounts (traditional IRA and traditional 401k). Basically keep only high earning investments in this account since those earnings grow tax free.
Thank you I’m about to open a Roth watch this video already but wanted to backtrack on a couple of them just to feel more knowledgeable and ask the right questions definitely use those words if I only knew I would have more saving that’s for sure! This late starter and about to retire digging in and working on it thank you for your content.
Hi Guys, great channel. I started using your channel during the Pandemic and opened my first Fidelity account. This as grown to over 5 figures and I am grateful.
As always I love the information you give. I have an IRA and a Roth IRA. I’m grateful to learn from you that the IRA can be rolled over to a Roth IRA. Thank you😊
You are guys soooo awesome!! Thank you, thank you for detailed explanation on each and every topic on your channel. Every content well taught and meticulously explained in details. I personally watched probably 20 videos in last 3days. I am so glad that I found you. Bless you and your Family 💖🙏🏻🙌
I’ve wondered what the difference between an IRA & Roth IRA was. Thank you both for sharing so much great knowledge & taking the time to do so. Your channel has made a huge difference in my life.
I really feel safe listening to you guys. I'm a single mom and I'm trying to plan for my future and my son who is 8. I'm teaching him about money and I feel the warmth and human/family side to your channel. It doesn't feel like you are scamming people. I love this. By the way, I noticed that the VFIAX and others in the Index funds are about 3k starting out. Did you pay that much initially? And if you were starting out, would you contribute that much at this time? I'm in the position to do it, but I just want to make sure it makes sense. Thanks in advance.
OMG thank you for this video I needed this!! I am thinking about taking my child support of $518 a month and putting it into a roth ira account to save to give to my child at 18 year I need it to be tax free and able to pull out penalty-free of course 😊
![I.N "HALLUCINATION" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/n5B5q1Hwt_U/mqdefault.jpg)
▸▸▸ www.365daystofire.com/
Enrollment is now open for our 365 Days to F.I.R.E. Program for 2025
Sign up and get:
◼ Completed F.I.R.E. Plan, Stock Investing Plan, Real Estate Investing Plan, etc. by the end of program
◼ Daily F.I.R.E. Actions
◼ Monthly Live Q&As
◼ Small Accountability Groups
◼ Quarterly Book Club
◼ 3 Meet-ups in Portugal, including a 2-Day Conference with us in Porto!
◼ Private Facebook group
◼ Lifetime access to daily tasks, recorded live Q&As, recorded book club meetings, Facebook group, and resources
◼ Discounted future meetups as 365 Days to F.I.R.E. program alumni
◼ And more!
To learn more and enroll NOW, go to: www.365daystofire.com/
I’m 19 and started a Roth IRA this year with 3k
You’re setting yourself up for success! I didn’t start until age 26. I wish i was smarter like you!
Bennjamin Griffin I’m 26 now and I just maxed out my Roth! also wished I started earlier
28 y/o and near maxed out 2019 and 2018 but wish I had started sooner. Keep it up!
For every dollar you invest at age 20 (~10% return) it will multiply by 88 if you leave it invested until age 65. See Mr. Money Guy for more details on how, why, etc. It is quite inspiring. Great job and keep....feeding the PIG!!! ; )
That's awesome. You're ahead of 99.99% of people your age because of that. Keep it up!
Y’all have no idea how much I love this channel. 🙌🏼🙌🏼 amazing information. Thank you!
Ditto.
@Vanessa Blanco - Wow! Thank you so much!!!
Me too !! I just ran across your page !! Thank you ♥️
Just discovered this gem!
To that I say Amen🙏🏾💕🤜🏾🤛🏾🤗
Man, I love RUclips! I grew up in environments that were full of drugs, violence, and other bad stuff. I didn't learn about managing money or investing until I stumbled on RUclips videos like yours. These videos taught me to hope for better things, to be smarter with whatever money I have, and to make things happen. My life has improved a lot, thanks to you guys and others. Thank you so much! 👍😊
That’s awesome to hear! I’m so sorry to hear about your past. I didnt grow up in your environment but I did deal with abuse and it can really take over your life to move forward. I hope youre doing well and started your investment journey. Love from Cali
These guys are my “rich aunt and uncle”. This channel is a must for couples. Appreciate everything you guys do for us.
P.S the new home looks great on y’all. Love seeing the radiance.
Cheers! From 🇨🇦
You're the best! Thank you so much!!!
You guys should make a video for the youth coming up! “What to do when you turn 18!” Or “How to start saving in your 20s!”
I think their kids are working on that on their channel - OurRichJourneyJr
Yes please
they've made one for 20 year olds
My students need your videos.
Fidelity. “Roth IRA for kids” !!!
I wish I knew I would of started when I was 16 and working. They should teach this in high school. I started my Roth when I was 19 after I was told about it in the military. I’m 30 now and always encourage people to start theirs.
Your backyard is amazing! Pursuing FIRE myself. Buying dividend stocks, have author royalties, and I’m buying a rental property. Hope to get there by 40. Really liking your channel.
Good luck! Sounds like you have 3 great income streams to reach your goal.
Yes! Multiple income streams - that's fantastic!
Your doing great ,retire early and enjoy life,good luck
Love this couple. I love the way they smile and look at one another. Genuine love. I have learned more about investing from this lovely couple in the last 12 months than I did in 4 years of college. Where is the list of suggested books to read. Thanks much!
Wow! Thank you so much for the kind words Donna! Our list of books is in the description below each of our videos! :)
You two have changed my life forever in such a positive way. Thank you!! Love all your videos and watch them multiple times.
WOW! Thank you so much!!!
Would love to see a video on rolling a Roth 401k into a Roth IRA and the rules with early distributions on contributions and earnings. This seems actually somewhat complicated and complex for something that I thought would be simple! Spent a few hours researching it and still haven't found a clear answer yet.
Thanks for the video suggestions David! :)
Such a video will be super helpful for real.I have watched the other video Roth conversation ladder and that was helpful as well.Again lots of thanks for all you do.
I saw a video where one guy wrote a letter to transfer his 401k from Fidelity to his Roth IRA with Vanguard.
You want to do a direct transfer from the one roth to the ira roth. It only gets complicated if you let the money touch your regular bank account.
Hey y’all, I’m 19 and I’ve been working on my ROTH IRA for the past 2 years. It’s been great. Keep up the good work ✊🏾
Do you pay any annal or maintenance fees on your ROTH.
1) Can you use your HSA for your health plans living abroad?
2) Do you pay US tax, Portugal Tax or Both when you withdraw your money?
Best studio ever!!! That backyard is amazing!!
Thank you! We're really enjoying it!!! :)
I am looking forward to the video on backdoor Roth IRA for those making high income!! Thanks!
Great! Thanks Rally!!!
Love your page!! Your information is INVALUABLE!!
Beautiful background and scenery...of course Roth IRAs are beautiful too. :-) I opened one for my daughter when she had her first summer job.
This channel is a godsend for me. I have totally shifted my mindset. I am grateful for the information.
hi guys, just want to take a minute to thank you for your information, happy holidays
Just in time! Been wanting to learn more about Roth IRA, thank you both! You guys are awesome!! 😍😍😍😍😍
Awesome! Thank you!
I have a roth ira with td ameritrade but I'm also thinking about opening one up with vanguard as well.
Thank you for this video. My husband and I are in our forties, never learned about investing. We were told to put it in the bank. We've lived most of our twenties and thirties pay check to pay check. When we did receive a windfall we should have invested the money. Live and learn. Starting a Roth this weekend. Will max both. I've been researching. I thought I had to have income to get my own Roth IRA; now I know I can get a spousal account through my husband because we file jointly. Mind blown.
You have a new subscriber. I love that your videos are straight to the point and very clear cut
Retirement looks good on you two!! Christina you are glowing!!
Now serious question: what if you are in a high tax bracket and plan to be in a much lower tax bracket in retirement? Would contributing to the ROTH still make sense? We also plan to retire early in Europe but as citizens. We definitely plan to use the ROTH conversion ladder!
Hey guys, love your content!! Yes, please do a video on a backdoor Roth IRA. Plan to do that for 2021!! Thank you!!
Yes - great! Thanks Daniel!
Backdoor Roth- Open a traditional IRA account, keep no funds in the account and use it exclusively to fund the Roth by way of an immediate trustee to trustee transfer to the Roth IRA account. No video required, that’s how it's done.
They did. Didn’t you listen at 3:30? It’s called a Roth conversion ladder
You two are my goals ❤️
Excellent advice....
Gosh you guys are SOOOOOOOO HELPFUL! Thank you!
Great content! Thank you 😀 I was look for this information exactly
Hey my hometown, Oakland fam, I've been building my Roth Brokerage account, buying stocks so when I retire, all my investments will be tax free, love it and luv u guys, stay blessed.
What is the year amount can you contribute to a ira, does this goes by calendar year or fiscal year ?
As a few other commenters have mentioned, Portugal does not recognize Roth IRAs. You'll have to pay tax in Portugal on distributions (the gain only) from a Roth. You're safe for the first 10 years, due to the NHR exemption. After that you'll owe tax as long as you're a tax resident of Portugal. I would love to see you guys do a video on your tax strategy for year 11. The higher income tax and higher capital gains tax will negate much of the Portugal cost of living savings.
Keep doing what you guys... you have no idea how much you are helping ALL of us!
Just for the record...Our Rich Journey..I LOVE U GUYS! Thanks so much 🙏 💓
Thank you for this video, I am a federal and was only putting a small amount in the ROTH option. I ran and changed my percentages.
That is fantastic!!! :)
Thank you
So happy you guys made a video on this! I remember in a previous video you guys recommended the custodial account for growing your kids money. Wouldn't a custodial IRA be better for them than a regular custodial account or did I miss something?
Couldn’t focus on the content. I was too busy looking at the beautiful backyard. Nice change up. Of course it was a great video. Roth’s are a powerhouse. Great stuff you two
Wow....well done, with great content explained clearly. You guys ROCK!
love you guys. you inspire me
Wow! Thank you so much!
My wife and I love the info. We are working on our fire journey, self employees. Own Our home, own our business, opened Roths , and an income personal account .thank you so much for the guidance. Blessings to all of you...
Thank you Elias! We're so happy to hear you and your wife are watching our videos!
Thanks for the information!
There they are!! Good morning Amon and Christina! Hope you are safe and well.
Hey there James! Hope you're doing well, too!!! :)
And its the best place for 💰💰REIT$!💰💰
Hi guys! Great video as usual 😊. Today we got rid of one of our cars giving us another £500 a month towards our FIRE.
Thank you for your continued inspiration
Wow! Incredible steps towards FIRE! Great job!!!
I don't even know how I came across this video but I just subscribed off of the first video. This content is like a hidden gem. I've been working for government for 20years now and cant retire cause I'm not even 40 yet. Time to make some changes starting with this investing course.
When I found out you guys are from Oakland I was so juiced. Thanks so much for all the help!! Videos are so informative!
Yes - Oakland! :) Small world, right?! :)
You guys are the best. Thanks for the information.
This is such valuable content. Thank you both!
Thank you!!! :)
I automated my ROTH contributions to start maxing it out this year.
I have learned so much through you guys. Max contribution to TSP (DONE!), Opened Traditional then xfer to Roth (DONE!), GEHA come November. I appreciate your work so much and am so grateful how you have helped me prepare for FIRE. You've got me hooked :)
Yall are amazing and thank you it means alot to me and my future
I've been watching your videos and learning so much. I am thankful that you and your family are reasonable and normal folks that I can relate to and trust your advice. Thank you for all you do to help people!
Thank you so much! So glad our videos are helping! :)
Thank you, I love this video. Can you explain Modified Adjusted Gross Income?
Great information, didnt known about the roth conversion or being able to withdraw the principal balance
I am just beyond grateful for your videos. I want to tell you that I appreciate the information as I am creating generational wealth for the first time in my family. Thank you so very much!
Wow! Congrats on taking action and building generational wealth for your family!!! That is FANTASTIC!!!
Love, love, love your videos! Both my husband and I are self employed and we do not have a 401k. I have been trying to find a video on the differences between Solo 401k, Sep and Simple 401k. I am overwhelmed! Do you have a video geared toward small business owners by chance? I am hoping you do! you explain this stuff in such an easy to understand way. I appreciate everything y'all do!! :)
Very interesting
This was very helpful. Thanks!
Glad it was helpful!
Love it! How do you invest in Roth IRA? Looking forward to a video on that.
You both are great. Love your passion. Thank you for sharing your wisdom
My husband and I watch you guys all the time. We LOVE this channel. Thank you for everything that you do!
Awesome material!
Thank you!!!
Can you do one video of Roth 401 K vs Traditional 401K?
We were thinking of that! Thanks for the suggestion! :)
I love y’all and this channel!!😭🙌🏽
I don't see a link to the order of investments video. Could you share it please?
Here it is Marina: Investment Accounts Needed for Financial Independence | FIRE in Less Than 10 Years - ruclips.net/video/e7PzKydo-g8/видео.html
God Bless You Both.
Thank you for sharing your wisdom 🙏🏼🙏🏼🙏🏼🙏🏼
Good Video! I didn’t see it mentioned, but in regards to asset allocation (%stocks and %bonds), make sure you only park stocks in this account, and carry your bonds in the tax deferred accounts (traditional IRA and traditional 401k).
Basically keep only high earning investments in this account since those earnings grow tax free.
Love this
Love the content
Thanks you two
You two are absolutely phenomenal! Thank you for blessing us! Wow!
Do you have a video on the backdoor Roth IRA?
Thank you I’m about to open a Roth watch this video already but wanted to backtrack on a couple of them just to feel more knowledgeable and ask the right questions definitely use those words if I only knew I would have more saving that’s for sure! This late starter and about to retire digging in and working on it thank you for your content.
This was one of my burning questions
Perfect! Thank you!!!
Hi Guys, great channel. I started using your channel during the Pandemic and opened my first Fidelity account. This as grown to over 5 figures and I am grateful.
Congratulations! So happy to hear you opened your first account!
As always I love the information you give. I have an IRA and a Roth IRA. I’m grateful to learn from you that the IRA can be rolled over to a Roth IRA. Thank you😊
You are guys soooo awesome!! Thank you, thank you for detailed explanation on each and every topic on your channel. Every content well taught and meticulously explained in details. I personally watched probably 20 videos in last 3days.
I am so glad that I found you. Bless you and your Family 💖🙏🏻🙌
That is so sweet of you to say! Thank you so much Derma! ❤️
My favorite couple. Congrats!
How do I figure out where to begin
Very informativ Video👌Thanks for sharing👍
Thank you Serene!
I’ve wondered what the difference between an IRA & Roth IRA was. Thank you both for sharing so much great knowledge & taking the time to do so. Your channel has made a huge difference in my life.
You guys never disappoint. Great content as always.
Please explain what’s a Retirement Savings Contributions Credit (Saver's Credit)
Thank you for all the great information.
Great content . Perfect timing in today’s market .
Thank you!
Because of you both i opened an account this year with fidelity at age 23 thank u!!
tshirt? Is there Our Rich Journey Merch coming soon? lol. Thanks for all the tips guys!
Great info. Thank you
Thank you! Glad you liked it!
I didn't learn anything new from this video and I couldn't be happier!
I couldn't say this 2 years ago.
Thank you both so much for this guidance.. so inspirational and informative. From a Black man in his mid 20s..
Thank you so much Jair!!! :) So glad you're enjoying the channel!
Ty for the great info !
Not seeing a link for the ordered investments to maximize return in the description. Really wanted to watch that one.
Do you have to contribute to it monthly
Great video as always!
You guys are awesome! Can you please do a video on life insurance? Which companies do you recommend?
Great info about custodial and spouse accounts!
I really feel safe listening to you guys. I'm a single mom and I'm trying to plan for my future and my son who is 8. I'm teaching him about money and I feel the warmth and human/family side to your channel. It doesn't feel like you are scamming people. I love this.
By the way, I noticed that the VFIAX and others in the Index funds are about 3k starting out. Did you pay that much initially? And if you were starting out, would you contribute that much at this time? I'm in the position to do it, but I just want to make sure it makes sense. Thanks in advance.
Learning, Sharing, And Applying your great investment knowledge!
Look forward to that newly, updated, more detail, step by step, Roth IRA backdoor conversion!!
Thank you for all you do for us! Appreciate your videos!
OMG thank you for this video I needed this!! I am thinking about taking my child support of $518 a month and putting it into a roth ira account to save to give to my child at 18 year I need it to be tax free and able to pull out penalty-free of course 😊