I have nothing, but I have abundance. I'm a widow & I live on my husband's SS...$1470 a month. (the Gov't stole my SS) I'm healthy, eat organic, vegan.... No debt, NO doctors, no bills except for utilities... Most people could not live on $1470 a month!! My son helps me out w/computer, cell phone, but if he didn't, I just wouldn't have them. I don't watch TV. don't own one. I am 65 & awake!
I have been subed for a long time now, I have a lot of respect for you Ryan. You are living life on your own terms. Not alot of people can do that. Keep it up brother.
I know exactly what youre saying. My number one rule in the little book I wrote on how to live free is "If you cant buy it with cash. Dont buy it." You are the king of your destiny when youre not in debt! And everyone can do it.
yumi mango That's why hookers are a better option. You pay them for a service, so they know they have to treat you well...With a Wife you pay her, but she doesn't have to reciprocate so it's like buying into a depreciating stock lol.
+Watching Videos marriage is legal prostitution, as long as the money keeps coming in, the vagina is rentable. lol. depending on local customs, performance is not guaranteed. lolol
Just like you, I only need the basics(food, shelter, clothing). I stopped being materialistic about 5 years ago and man!!!! It feels so good not being in debt. 20% of $1500/week is going into a 401K. I'm hoping that in 10 years I'll be able to quit my job and move to Thailand, live off the savings until the Social Security kicks in.
You have a great financial plan and I think you will be able to make your 10 year goal of retiring, but I would reconsider "life in Thailand". Consider giving Thailand a 6 months test run first to see if you like it before burning all your bridges back home.
Keep in mind that Social Security doesn't pay out a lot these days. I've been paid quite well all of my life and, as a result, my social security deduction has been hitting the annual cap since my 20's. Not everyone knows, but the government actually caps your deductions at some point so they won't owe you too much SS in the future. Even having hit that cap for two decades, my projected income is still only in the $1,xxx/mo range. If you're in your 40's when you quit your job, you might expect a similar number. Higher in your 50's, of course, lower in your 30's. $1,500 might be enough to live comfortably in Thailand or some similar nation right now, but in the future, as the country modernizes, and as more people like yourself look to retire there, the economy will strengthen and your dollars may not buy as much. I would consider SS a bonus, for sure, but I would plan through the end of my life based on my own savings and not SS, and definitely don't plan based on the current economy of your projected retirement site.
I know, I hate when people ramble on on RUclips. You'd think he wouldn't do that because he does say a lot of his money he gets from people watching his RUclips videos, then the other money is investments.
So how does he make money from youtube unless he redirects traffic to a private website and sells from there. But honestly I wouldn't be bothered to watch any more of his ramblings on here....I'd rather watch Freddie Flintstone! The title says' How I Live in Thailand Without Working' and I still dont know, unless its that he lives off his savings which are investerd something he hints at but doesnt cover
Well I know it was a long video but it's no good complaining you don't know how he affords to live if you didn't actually watch all of it. He worked several jobs for a decade or so. Lived frugally, invested some long term low risk, some medium high risk investments and has a load of cash saved up too from years of saving.
Bless your heart for creating this blog Ryan. You'll never know how much it helped me to see this. Someone not desperate. Someone enjoying life. Someone who took risks and saved money. I look up to you. I'm only 19. We're all in this world together. Thanks for the awesome honesty
japanese people have problems with R's. hed been teaching japanese people english for over a decade and picked up some easier for japanese pronunciations for a few words.
14:20 - "Minimum amount of monthly income you would need to walk away from your job and live your dream life". I'm already well past that sum of money, but I can't fill the days. Just back from six weeks in Thailand, and - just like the last time I tried it - I can't fill a whole day if there's nothing I need to do. If you're reading this and you hate your job you probably think I'm nuts, but I'll tell you, having your own money and no actual need to do anything is as close to being long-term unemployed as makes no difference.
I feel you on that one. It's been challenging making the mental transition from work structured life to having to structure my days and create purpose for myself.
There's a fair point there, but 1) elite achievement is all genetic, and 2) when you're beyond 50 and you've done a lot of sports you've got to be really cautious about how much extra damage you put into your body.
Hey Ryan. I already did retire about 5 years ago. I moved to Bangkok three years ago. My social security from America plus IRA distribution is about $3K a month, and I live very well here. No wife, no bills, and everything in moderation. Plus I have a 4 million baht nest egg. I travel all over Southeast Asia as it is very cheap to do so. And to top it off, I save about 10-15 thousand baht per month. Life is good, indeed! I figured out what you did about living frugally and saving about 30 years ago, but you are doing even better than me. Good job Ryan!
I did accumulate debt like everybody else Ryan. But, I was raised like a miniature adult. and I was educated to understand how important it is to comprehend and manage your finances, while understanding economics to establish wealth! For many of our citizens, you just can't rely on Social Security as a main source of income because its not enough for the vast majority of the Americans to live off. With the uncertainties pertaining to Social Security in the decades to come, the future regarding it looks bleak! Right now, I have no debt... No mortgage, no car loans, no credit card debt, and no student debt! I don't owe money to the IRS, the state or any liens! I learned how important it is to be a salaried employee and a small entrepreneur because I listen to all those that understood business and finances as a boy! From my parents, to the senior citizens in my neighborhood that are Italian, Jewish, Irish, Greek, Albanian and Chinese business owners that educated me on business/finances. I strongly believe that finances should be taught from K-12 grade. Parents should teach their kids finances but many of these parents are financially illiterate. Think about the insanity. We send kids to school so they can get into a career, and ultimately earn a paycheck. Yet, the majority give them little to no financial education as to how to manage that money. These kids end up in heavy debt before their lives start and lose years trying to fix those mistakes while creditors reap the profits. Finances is not just personal finance. It ranges from basic interest, to investing, to taxes, to mortgages, to understanding retirement. These are concepts used by every adult throughout their entire lives yet we give it the least amount of attention in our educational system. Growing up as a child, I use to help the senior citizens in my community. One took me aside and stressed one thing. All your payments, groceries, car ,gas, rent, /or mortgage should fit in one paycheck (I get paid twice a month from my salaried position), no if, and, or buts. That gives you the other check to save and invest. For my sake, he was right! If I could find him (hopefully he's still alive) I would like to thank him for taking the time with me to explain. What credit really is, is like a convenient store of finances. You can have it now, but you're REALLY gonna pay for it. Financial slavery is what debt is all about. Remember, Debt = Slavery!
i live on SS and small pensions, but i worked allmy life from 7-70, took exotic vacations every year, and comfortable on 2k per mont, and will be 84 next month.
Dear Ryan, you are a life guru. I agree 100% with what you said and I felt exactly the same when I turned 30. I am 32 years old now, I travelled to 43 countries and stayed away from home for 9.5 years before moving back to my hometown. I even lived 1.5 year in Thailand. Enjoy your life. Greetings from Switzerland. AJ
He also had some kind of ridiculous job where he only worked at the weekends and got 1500-4000 dollars for that a month. Anyone with half a brain could save a fortune with a job that pays like that..
You say you were fortunate a lot in this video, but I strongly believe it was your perseverance and sheer will to change your life which created those opportunities for you. Sometimes the fear of risk is too much for some to bear. You are an inspiration to people like me who are also looking for a way out and I thank you for taking the time to make this video. Also my wife is from Thailand so very familiar with the encompassing beauty and rich culture that the country offers.
I'm 24 and am a .NET developer at one of the biggest HCPs in the country. I was talking to my team lead a few weeks ago about real estate and portfolio diversification when he told me I should read the book "Rich Dad Poor Dad". I already have no debt and don't buy things I can't pay for in cash so I am going to purchase that book right now after both of your recommendations. Its funny because the conversation got started over me asking him about having a 401k in addition to an IRA. Great vid! I've watched a few of your vids today but now you have another loyal subscriber. Best of luck to you! :)
Well this video bums me out. A dude with a fair amount of money in banks & investment accounts living modestly in Thailand. There is nothing revelatory about this. Work hard for 20 years & don't spend your money on wine, women, wives & children I thought this was going to be about a creative, interesting way to live in Thailand with little to no money stashed away. I'm bummed out because wives (yes plural) have all my money. Now single & in my middle age, I can't move or live anywhere I want unless I am gainfully employed. Yep, I was a fool.
Ryan, Great video! You are not a slave to instant gratification. You started late, but you put in the heavy lifting and now you can enjoy life. It's really surprising what little you really need to survive.
No lie I just started watching your channel before my japan trip in April and since you've moved to Thailand. your mood has greatly improved. At first i thought Thailand was depressing but your attitude and how you present things makes it pretty interesting. Props man. I hope to be in your position someday.
£18,250 a year and I will do it every week with a channel dedicated! WITH DAILY UPLOADS ON MY AMAZING LIFESTYLE! How big is your bank balance? Come on £18,250 a year and I will travel the WORLD doing the exact same thing! Daily uploads with interesting content on how much of a great time that I would surely be having travelling the world. Gotta be worth it for sure I reckons and especially given the fact you told someone its worth £50 for a short video. One day with me and you love it long time !!! Hahahahaha!!!
Rich dad poor dad was a great book but never finished it.... After 4-5 holidays to thailand and getting sick of western society's grind and pressure to live a certain way i decided to save for a few years then move to thailand on the cheap,where i would have enough money for 2 years whilst i teach myself to trade stocks online... I'm currently living in vietnam and its starting to work out well. I'm 35 and i've set myself up for a good life abroad.. There are many ways to make money and live the life you always wanted, i guess it comes down to the old saying, How Bad Do You Want It?
My mom is from Thailand. My father an american. He retired from teamsters and now they live 6 hours north east of Bangkok in Surin. He owns 4 properties and he has rebuilt the homes with an american/thai fusion. Meaning you no longer have to take a shit in a hole in the ground, running filtered water, "HOT SHOT" water heaters and CENTRAL AIR in each house.
Good advice however you do look knackered (tired) your skin looks worn out and inflamed. I have a friend in China who worked like 60 hours a week and in about 5 years he looked really bad with baggy eyes and bad skin. So you gain some and lose some obviously it is about living to your means and reaching a healthy balance. You can go all out for a couple of years but to do it for years and years you will perhaps pay for it in the future with ill health.
I was broke at 30 too..I'm 33 now and finally found a job I like. My long term goal is living in Greece...the apartments there are super cheap and I hope to buy and rent out a property one day, At the moment I have to work in England and visit Greece when possible to get my fix.
I was self employed for 10 years and then quit working and still got enough to carry on for many years. But once you get a family, specially kids... it's never good enough. I had to get back to work because one wants to travel, to buy good education, clothes, insurance, food (organic and local grown), eating out, go to disneyworld - in short all the stuff you can only do when you earn a good amount of cash. I can safely say that on my wife and daughter I spend at least 3 times as much as what I would need to get by on my own.
Around $1600 USD/month. My wife and I spent quite a bit of time over there. Our last big stint was 5 months in Chiang Mai. If I remember correctly we spent around $1400USD/month... so we're currently back in the states employing a lot of the same techniques you're talking about; trying to get to that magic $1500/$2000 month number so we can go indefinitely. Nice video, keep it up!
Excellent advice -- I have an ex-pat brother living in Bangkok who could learn a LOT from you -- I have sent him the link to your video -- thanks for publishing.
Good video. First one of yours I've seen, but just subscribed. Went to Pattaya for the first time 12 months ago. Been back two more times since and will be visiting again this summer with friends. Yeah it had a quite an impact on me. God I want to live in SEA.
I've always worked good jobs but because of the work I did I always got hurt. Now at 50 my injuries are catching up to me. I'm now on disability and moving to Thailand as soon as all my paperwork is done here.
Thankyou Ryan. Truly a massive inspiration! First video I've seen of yours but i will definitely keep up to date from here. I just realised i have got a bunch of resumes to hand out tomorrow ;)
I know a guy in Bangkok who's living very comfortably off his U.S. Navy pension. He gets about $4000 a month transferred from his U.S. bank account to his Thai account. He's living in a luxury condominium which has an Olympic size swimming pool, gym, concierge, security, etc, near downtown Bangkok. I'm talking about an old timer whose generous pension gives him access to young local putang on a regular basis. The guy lives like a king in Thailand and he has no intention of ever returning stateside.
Ryan - wow, you're right! Some of the comments are terrible, I can't believe it. Usually on these videos people may argue points among themselves but not the video host. Well, people will be people and that means some are less desirable. People who demoralize others for absolutely no reason have already demoralized themselves. You worked hard, made your way through your own initiative and sharing this with others, not at all in a braggart way but as a guide for others who wish to navigate a similar course. I admire what you did. You are absolutely not lazy - people who say that just like to demoralize others and envious of success, so rather than try to pull themselves up they would rather pull others down. Anyway, I have some points to make specific to your life and will post it on another comment because I don't want to make this one too long.
1000 bucks a month, after tax.........I am a humble, low-cost individual, post-family and a lover of heat and travel - no drink, no smoke, no broads.......liked your vid Ryan and you probably made your point.........keep em coming, man
what about taxes? if you have a bank account in USA and have income from online stuff(youtube, website etc) AND you live in another country(to avoid high living costs), do you have to pay taxes??
Very interesting story, and it explains how you came to dislike Japan, so many jobs, as the old wisdom goes; all work no play makes Jack a dull boy. Money counts, so does quality of life. Working productively in the right field can be gratifying far more than just the money. Keep exploring, finding your balance is the best goal, enjoy the big world, you sure got a good start at only 40, someday you'll be 50, 60, and more, a long way to go, have fun.
Holy poo if I could afford Japan i would be there all day. I love Asian woman and Japanese are the top for me but my budget will probably only allow for Thailand. Although they are beautiful as well, I guess I just like Japanese food more. LOL
Great video, the hard work is paying off. Rich Dad Poor Dad is a great book and made a big impact on me. I wish I had read it a lot sooner though but better late than never.
As soon as you asked that question at the end, I was like, I already figured it out haha. I'm $28,500 (roughly)short from retiring in Thailand (based on age, lifestyle, and such)
Ryan, I'm not sure if you know this or not but you TOTALLY have a Japanese accent now. When I watched my first "Boundless" video you were talking about Gaijin Hunters and I didn't pick up on it then because I wasn't as familiar with the asian accent as I am now (sister in law is Korean). But now, after being around her for a few months and just picking up on her accent and listening to other japanese people (really asian not necessarily japanese). You TOTALLY took some of that with you. Hope that doesn't leave a bad taste in your mouth but ya. it's there! lol. Listen to how you said "Guru" and then listen play the video over again and your language abilities start becoming evident. lol.
I am planning on moving to Thailand for school soon so that's what brought me here. I am glad you have been able to make things work and be happy in a new place. I am hopeful that I will be able to do the same! :)
I would need about $1000 US a month consistently for the rest of my life (not considering inflation). I currently earn between minus 5000€ and plus 20000€ per month and so can earn large amounts of money but my revenue streams are very volatile and high responsibility. Ideal situation would be to be able to position myself into a situation whereby I would passively generate one thousand a month, then I would be exceedingly rich for the rest of my life in Thailand or many other parts of Asia.
Ryan this was a great video! I wish you always had this demeanor in your videos, and not the "Hey Fucktards" side of you. Thats what drew me to your channel a year ago, and and ive since watched all your videos. The advice of prolonging your spending for instant satisfaction is all really good advice. -Dreamcrusher out
Cheers, that saved me a bit of time, less than a minute in and you've insulted your viewers already. Don't need to watch someone with so much contempt.
Enjoyed the video. I'm 55 but I don't think I'm in a position to retire. You absolutely did the right thing. I think $1,500 would get me by in Thailand or even Cambodia.
+Hunting for a living Heavily active RUclipsrs (i.e. those that supplement their income through it) are essentially miniature film/tv studios in their own right. People invest money in Netflix for their productions, if they want more. People invest in popular RUclipsrs for their productions, if they want more. Why would you expect it to be free?
It is pretty easy. When you are in Thailand without a job you are either retired (need to be 50+ of age with 800.000 baht in the bank or 65.000 baht a month retirement) or you have a job. Any other situation and you are a tourist. Which forces you to exit the country every month. And you are not guaranteed to get a new visa, so be ready to leave.
Ryan, bro! Perhaps it's rude, but we want to know about your life! We mostly see one part of your life where you travel, and live a nice life! We want to know more. Your hurting my feelings, bro! (Just kidding though)
$3400 AU$. Thanks for sharing. I am moving my family to Thailand around March 2017. I rent out shipping containers, trade the stock market and own gold and silver. We have savings and will be selling our 2 cars a boat and camper trailer before we come over. We are also debt free. I must have read Robert Kiyosaki's book 20 times. its a classic that everyone should read. Thanks again.
John Galjaardt hi john make shor befor you leve aus you get a thailand visa i think you can stay for 6 months . and then go to camboda ( kampot is on the river . sihanoukville on the beach ) . a one year camboda visa $ 280 US 6 MONTHS 180 $ 3 MONTHS 85 $ when coming to camboda at the border get ordinary visa .NOT TOURIS VISA
2005, turned 30. So living in Thailand without working. OK. So where is he getting money to live? Just spending savings? Money can run out unless you really had a large bankroll! Sure you can save up money and then live off the savings, but for how long? A few months, a few years? Then what? Beg until retirement and the minimum social security you might get? What a croc post. The guy makes you think he is living without working. YEs for a few years he is, but that won't continue
He even explained it. He has savings, most of which is in long-term investments. Then he spends the $500 he makes on youtube to live without using any of his savings. So his savings is earning him money for the future, since he's not dipping into it now. It's really not that complicated.
Nice video, good inspiration to save money. I have a friend whose dad made probably 150,000+ self employed but now he is 60 with a ruined back and can't work anymore with little retirement. My dad worked for UPS for 40 years and didn't make tons of money but he has a super solid retirement, and he makes more retired than he did working. Their retirement is ridiculously good. Sometimes tons of money for short periods isn't as good as a steady income. It's all about how it's managed.
I'm "retired" now in Bangkok area. I just work at every day doing whatever I enjoy with an eye towards building capital and not over spending. Next year I may get back to teaching English, but only when I am ready. Since I don't speak Thai much I have to learn from mistakes some times and deal with local quirks. Easy does it.
nice video as always Ryan, be careful what you say about personal financial status, there are people in Thailand who watch this..word to the wise.. I never ever let others know my wealth status. stay safe, love your videos! Just bought a go pro and realize how hard this is to daily document life. Keep up the great work..peace rbinaz
Great advice that so many listen to BEFORE moving to Thailand! I moved here 11 years ago at 40 with what I thought was enough money at the time, but the baht to dollar went from 42bt = $1 to 32 about a yr and a half later. Having to do visa runs didn't help either.
Monthly amount of money to walk away from my job - 9,000 or 10,000 NIS , which is about 2,500 to 2,700 USD. That's what i'm aiming for with my job any way and it will set me up on rent, living expenses and like a vacation 2,3 times a year. I'm talking as a bachelor though, so when and if i get marries, you gonna need to double that.
Great video....the great Western experience is about spending, and not saving, and that fails. You are one of our few that understand that a person's financial success it is not how much you make, but how you manage your money.
Really interesting vlog, I am 28 and I have been doing the same as you, saving around £10000 then going to Thailand, so I have not got to stay in England for the winter, then spending all of it, That's been going on now for six years, and I am like you was broke, with no money now, I am going to read that book, and start to look after my money, so thanks for sharing this, it was really interesting. I will let you know, in a year what happens.
Thanks for being so open to share this, most people don't talk about their money like that. It is very insightful and I will give that book a try. Actually I am looking for taking some steps in 'making money work for me' / investing. I am from Europe and 30 years old. I am an expat for about 4 years now (2.5 years in China, and in the US since 1.5 years) and I have accumulated quite some money in those years. But it is only cash, no property whatsoever. I never touch my base salary, and use about half my 'expat allowance' for groceries, gas, entertainment, and once in a while I use a bit more to buy new clothes, or something you would consider luxury (eg new laptop, travel). Everything else (car, accommodation + utilities, insurances, etc.) is covered by my employer. The company also gives me 2 flight tickets each year for personal use, to any destination.. which is a huge cost saver. Not being married is a huge cost saver too, I guess.. I travel to many places around the world at almost no cost, predominantly for business but always find time to do touristy stuff and check things off my bucket list. This was great for the first 2 years or so... but major downside for me is that I am away from the people I love, and I only see them once or twice a year. I also don't really bother investing time in friendships here because in my mind I am just a visitor for limited time. This situation affects my happiness (and it's gotten worse recently). There is the feeling I want to go home and settle (get married, kids), but I also feel I will regret it when I turn my back to my current life. The stream of money is impossible for me to turn down, and even though I already saved quite a lot.. it's never enough :) Perhaps I should hold on a bit longer, and aim for having an easy life with family once I return home. It's just that I don't know what I would need for that. Investing to create new streams of income (to at least cover basic living expenses) after quitting my job would definitely help... if you have any suggestions on how/where to get started, I would greatly appreciate it
Financially I screwed up bad as a kid (19-24 years old/50000sek,5600$ in debt). Then my best friend told me (like Ryan) not to spend my money on something I can't afford to buy instantly (like a PS4, phone or iPad). And then I read in a book that told me I should always save 10% of what I earn. Every month. Worked for me.
Overextending one's self seems a worldwide problem unfortunately. My wife is Filipina and they are materially hungry just like Americans. For some reason, it is a rarity for people to save. People just seem to love living on the edge. Personally I'm uncomfortable living on the edge, but it seems others are uncomfortable living with money in the bank.
I have nothing, but I have abundance. I'm a widow & I live on my husband's SS...$1470 a month. (the Gov't stole my SS) I'm healthy, eat organic, vegan.... No debt, NO doctors, no bills except for utilities... Most people could not live on $1470 a month!! My son helps me out w/computer, cell phone, but if he didn't, I just wouldn't have them. I don't watch TV. don't own one. I am 65 & awake!
entertainmnet is life, life is boring msot of the time
my goal is no money at all if possible ofc :)
for years I'm on cash only ;)
never head steady job and I stopped looking for about decade ago :D
The only thing you have in abundance is bigotry.
+Rosie Hackett What is the point of this comment?
Shes thankful
Complains about RUclips, puts 3 adverts on his video.... Hmm, irony is strong here.
Lmaooo
How do commenters reflect on who runs RUclips???
That is what confounded me. How many on this thread working for YT ?
+yumi mango do you have common sense?
Longhorns I think I get Ryan's message, but it didn't make any sense.
+yumi mango you need professional help
Longhorns And what do you need ?
I have been subed for a long time now, I have a lot of respect for you Ryan. You are living life on your own terms. Not alot of people can do that. Keep it up brother.
I know exactly what youre saying. My number one rule in the little book I wrote on how to live free is "If you cant buy it with cash. Dont buy it." You are the king of your destiny when youre not in debt! And everyone can do it.
Do you recommend buying your family with cash ? Or just renting by night ?
I'd rent a family if by choice, it is cheaper in the long term.
Watching Videos Good idea because if you rent your family they must treat you well, or you can dump them and go rent another family. LOL.
yumi mango That's why hookers are a better option. You pay them for a service, so they know they have to treat you well...With a Wife you pay her, but she doesn't have to reciprocate so it's like buying into a depreciating stock lol.
+Watching Videos
marriage is legal prostitution, as long as the money keeps coming in, the vagina is rentable. lol.
depending on local customs, performance is not guaranteed. lolol
Just like you, I only need the basics(food, shelter, clothing). I stopped being materialistic about 5 years ago and man!!!! It feels so good not being in debt. 20% of $1500/week is going into a 401K. I'm hoping that in 10 years I'll be able to quit my job and move to Thailand, live off the savings until the Social Security kicks in.
You have a great financial plan and I think you will be able to make your 10 year goal of retiring, but I would reconsider "life in Thailand". Consider giving Thailand a 6 months test run first to see if you like it before burning all your bridges back home.
Ryan Boundless After listening to a couple of your videos, I am starting to reconsider my plan to make Thailand home. Thanks for the videos.
Keep in mind that Social Security doesn't pay out a lot these days.
I've been paid quite well all of my life and, as a result, my social security deduction has been hitting the annual cap since my 20's. Not everyone knows, but the government actually caps your deductions at some point so they won't owe you too much SS in the future. Even having hit that cap for two decades, my projected income is still only in the $1,xxx/mo range. If you're in your 40's when you quit your job, you might expect a similar number. Higher in your 50's, of course, lower in your 30's.
$1,500 might be enough to live comfortably in Thailand or some similar nation right now, but in the future, as the country modernizes, and as more people like yourself look to retire there, the economy will strengthen and your dollars may not buy as much.
I would consider SS a bonus, for sure, but I would plan through the end of my life based on my own savings and not SS, and definitely don't plan based on the current economy of your projected retirement site.
PS to Ryan: I have issues with you on some subjects, but I have to say this is a really good video. Good advice, all around.
I know plenty of people that wound up drawing around 2500 to 3000 a month from their ss.
Long story short: Boundless got money in da bank. No wonder those thai woman are after your gaijin ass lmao.
No, I'm 47 and I was being facetious, now fuck off and take that stick out of your ass.
+jlow22555
yo, whatta from Brooklyn, talk nice, be a man, not a pimp!
LOL YOU GOT FUCKED
+jlow22555 Yeah, that's what I took away from this too.
I switched off at 10 mins because the guy is waffling on. Why dont he come straight to the point? Does he live off investment or what?
I know, I hate when people ramble on on RUclips. You'd think he wouldn't do that because he does say a lot of his money he gets from people watching his RUclips videos, then the other money is investments.
So how does he make money from youtube unless he redirects traffic to a private website and sells from there. But honestly I wouldn't be bothered to watch any more of his ramblings on here....I'd rather watch Freddie Flintstone! The title says' How I Live in Thailand Without Working' and I still dont know, unless its that he lives off his savings which are investerd something he hints at but doesnt cover
Well I know it was a long video but it's no good complaining you don't know how he affords to live if you didn't actually watch all of it.
He worked several jobs for a decade or so. Lived frugally, invested some long term low risk, some medium high risk investments and has a load of cash saved up too from years of saving.
I admit I switched off but surely he doesn't need a 13 minute video to get his point across.
+steve FromEngland and still it don't say how he actually makes money on RUclips haha
Bless your heart for creating this blog Ryan. You'll never know how much it helped me to see this. Someone not desperate. Someone enjoying life. Someone who took risks and saved money. I look up to you. I'm only 19. We're all in this world together. Thanks for the awesome honesty
Man you're 19. You have your whole life ahead of you. Do yourself a favor and plan your career path wisely.
orangedac agreed. don't do what this guy did. he's going to have to work until he passes
2:37 did this turd really just say "Liberry?"
yeah and he's an english teacher. those poor students of his. lol
ultrakool Who goes basic on English? I can understand all kinds of pronunciation
asdf they are just jealous. they must be old school basic English
Liberry ? i'm not a financial goo doo? I'm a english teacher?
japanese people have problems with R's. hed been teaching japanese people english for over a decade and picked up some easier for japanese pronunciations for a few words.
14:20 - "Minimum amount of monthly income you would need to walk away from your job and live your dream life". I'm already well past that sum of money, but I can't fill the days. Just back from six weeks in Thailand, and - just like the last time I tried it - I can't fill a whole day if there's nothing I need to do. If you're reading this and you hate your job you probably think I'm nuts, but I'll tell you, having your own money and no actual need to do anything is as close to being long-term unemployed as makes no difference.
I feel you on that one. It's been challenging making the mental transition from work structured life to having to structure my days and create purpose for myself.
it's time for you to become the world record holder in the marathon.
There's a fair point there, but 1) elite achievement is all genetic, and 2) when you're beyond 50 and you've done a lot of sports you've got to be really cautious about how much extra damage you put into your body.
+Craig Ross Well, still a fun way to kill time.
Thailand is a shit hole sewer of a country.
really? Up until 30 you were in your 20s?
was thinking the same thing lmao
up until my thirties i was in my girlfriend
and then she read your cheap comment and ditched you.
lol
it's a joke! very clever though kahu, very clever
Short answer, I saved up for it.
Hey Ryan. I already did retire about 5 years ago. I moved to Bangkok three years ago. My social security from America plus IRA distribution is about $3K a month, and I live very well here. No wife, no bills, and everything in moderation. Plus I have a 4 million baht nest egg. I travel all over Southeast Asia as it is very cheap to do so. And to top it off, I save about 10-15 thousand baht per month. Life is good, indeed! I figured out what you did about living frugally and saving about 30 years ago, but you are doing even better than me. Good job Ryan!
I did accumulate debt like everybody else Ryan.
But, I was raised like a miniature adult. and I was educated to understand how important it is to comprehend and manage your finances, while understanding economics to establish wealth!
For many of our citizens, you just can't rely on Social Security as a main source of income because its not enough for the vast majority of the Americans to live off. With the uncertainties pertaining to Social Security in the decades to come, the future regarding it looks bleak!
Right now, I have no debt... No mortgage, no car loans, no credit card debt, and no student debt! I don't owe money to the IRS, the state or any liens! I learned how important it is to be a salaried employee and a small entrepreneur because I listen to all those that understood business and finances as a boy! From my parents, to the senior citizens in my neighborhood that are Italian, Jewish, Irish, Greek, Albanian and Chinese business owners that educated me on business/finances.
I strongly believe that finances should be taught from K-12 grade. Parents should teach their kids finances but many of these parents are financially illiterate. Think about the insanity. We send kids to school so they can get into a career, and ultimately earn a paycheck. Yet, the majority give them little to no financial education as to how to manage that money. These kids end up in heavy debt before their lives start and lose years trying to fix those mistakes while creditors reap the profits. Finances is not just personal finance. It ranges from basic interest, to investing, to taxes, to mortgages, to understanding retirement. These are concepts used by every adult throughout their entire lives yet we give it the least amount of attention in our educational system.
Growing up as a child, I use to help the senior citizens in my community. One took me aside and stressed one thing. All your payments, groceries, car ,gas, rent, /or mortgage should fit in one paycheck (I get paid twice a month from my salaried position), no if, and, or buts. That gives you the other check to save and invest. For my sake, he was right! If I could find him (hopefully he's still alive) I would like to thank him for taking the time with me to explain.
What credit really is, is like a convenient store of finances. You can have it now, but you're REALLY gonna pay for it. Financial slavery is what debt is all about.
Remember, Debt = Slavery!
i live on SS and small pensions, but i worked allmy life from 7-70, took exotic vacations every year, and comfortable on 2k per mont, and will be 84 next month.
Dear Ryan, you are a life guru. I agree 100% with what you said and I felt exactly the same when I turned 30. I am 32 years old now, I travelled to 43 countries and stayed away from home for 9.5 years before moving back to my hometown. I even lived 1.5 year in Thailand. Enjoy your life. Greetings from Switzerland. AJ
If anyone could summarize in a sentence how he lives in Thailand without working? I can't bear to listen anymore!
Very kind Troy - thank you!
He's a parasite.
Good summary of the summary!
14 minutes of your life. He has a system to live his life by - self discipline. But above all don't spend more than you earn!
He also had some kind of ridiculous job where he only worked at the weekends and got 1500-4000 dollars for that a month. Anyone with half a brain could save a fortune with a job that pays like that..
Very good story! You answered one of my questions about living abroad. The freedom, the lack of stress is priceless.
Way to go Ryan!For me, I just retired for the second time. Financially, I don't need to work again. Just travel and enjoy life.Take care.
what happened the first time.
Are you still financialy ok?
You say you were fortunate a lot in this video, but I strongly believe it was your perseverance and sheer will to change your life which created those opportunities for you. Sometimes the fear of risk is too much for some to bear. You are an inspiration to people like me who are also looking for a way out and I thank you for taking the time to make this video. Also my wife is from Thailand so very familiar with the encompassing beauty and rich culture that the country offers.
You're an inspiration and keep up the hard work. I wish you the best and hope to grab a beer when I make the jump to Thailand my self. Kudos Brother.
Ryan, Your comments are spot on. You drew the line, held yourself to standards, and then took action. Many cannot take the first step. Kudos!
Love your videos Ryan, you preach so much truth
It's not truth but just common sense.
+sebby sebby
U sound sweetttttt. lol
I'm 24 and am a .NET developer at one of the biggest HCPs in the country. I was talking to my team lead a few weeks ago about real estate and portfolio diversification when he told me I should read the book "Rich Dad Poor Dad". I already have no debt and don't buy things I can't pay for in cash so I am going to purchase that book right now after both of your recommendations. Its funny because the conversation got started over me asking him about having a 401k in addition to an IRA. Great vid! I've watched a few of your vids today but now you have another loyal subscriber. Best of luck to you! :)
This video was really pretty inspiring.
Let the haters hate Ryan, they still keep watching. Good fortune on your journey and honest opinion of life.
Well this video bums me out. A dude with a fair amount of money in banks & investment accounts living modestly in Thailand. There is nothing revelatory about this. Work hard for 20 years & don't spend your money on wine, women, wives & children I thought this was going to be about a creative, interesting way to live in Thailand with little to no money stashed away. I'm bummed out because wives (yes plural) have all my money. Now single & in my middle age, I can't move or live anywhere I want unless I am gainfully employed. Yep, I was a fool.
Lesson learned. DON'T GET MARRIED!
Ryan,
Great video! You are not a slave to instant gratification. You started late, but you put in the heavy lifting and now you can enjoy life. It's really surprising what little you really need to survive.
One of your best videos.
No lie I just started watching your channel before my japan trip in April and since you've moved to Thailand. your mood has greatly improved. At first i thought Thailand was depressing but your attitude and how you present things makes it pretty interesting. Props man. I hope to be in your position someday.
Are you in his position today?
I will send you 50.00 bucks if you make out with a lady boy over there and post it on RUclips
Cheap Charlie are you?
100 if he becomes a lady boy
Jose Chavez he already admitted he did
£18,250 a year and I will do it every week with a channel dedicated! WITH DAILY UPLOADS ON MY AMAZING LIFESTYLE! How big is your bank balance? Come on £18,250 a year and I will travel the WORLD doing the exact same thing! Daily uploads with interesting content on how much of a great time that I would surely be having travelling the world. Gotta be worth it for sure I reckons and especially given the fact you told someone its worth £50 for a short video. One day with me and you love it long time !!! Hahahahaha!!!
Thanks Ryan for the info. Great to hear how you changed your mindset and are now reaping the benefits from it. More power to you!
Rich dad poor dad was a great book but never finished it.... After 4-5 holidays to thailand and getting sick of western society's grind and pressure to live a certain way i decided to save for a few years then move to thailand on the cheap,where i would have enough money for 2 years whilst i teach myself to trade stocks online... I'm currently living in vietnam and its starting to work out well. I'm 35 and i've set myself up for a good life abroad.. There are many ways to make money and live the life you always wanted, i guess it comes down to the old saying, How Bad Do You Want It?
My mom is from Thailand. My father an american. He retired from teamsters and now they live 6 hours north east of Bangkok in Surin. He owns 4 properties and he has rebuilt the homes with an american/thai fusion. Meaning you no longer have to take a shit in a hole in the ground, running filtered water, "HOT SHOT" water heaters and CENTRAL AIR in each house.
Good advice however you do look knackered (tired) your skin looks worn out and inflamed. I have a friend in China who worked like 60 hours a week and in about 5 years he looked really bad with baggy eyes and bad skin. So you gain some and lose some obviously it is about living to your means and reaching a healthy balance. You can go all out for a couple of years but to do it for years and years you will perhaps pay for it in the future with ill health.
I was broke at 30 too..I'm 33 now and finally found a job I like.
My long term goal is living in Greece...the apartments there are super cheap and I hope to buy and rent out a property one day,
At the moment I have to work in England and visit Greece when possible to get my fix.
so you're an English teacher in Japan with no family then you moved to a 4th world country, Bravo dude
I was self employed for 10 years and then quit working and still got enough to carry on for many years. But once you get a family, specially kids... it's never good enough. I had to get back to work because one wants to travel, to buy good education, clothes, insurance, food (organic and local grown), eating out, go to disneyworld - in short all the stuff you can only do when you earn a good amount of cash. I can safely say that on my wife and daughter I spend at least 3 times as much as what I would need to get by on my own.
I spent a lot of my money on woman booze and some gambling and the rest I just squandered
Good one WC
You are quoting the footballer George Best.
JOIN THE CLUB
Around $1600 USD/month. My wife and I spent quite a bit of time over there. Our last big stint was 5 months in Chiang Mai. If I remember correctly we spent around $1400USD/month... so we're currently back in the states employing a lot of the same techniques you're talking about; trying to get to that magic $1500/$2000 month number so we can go indefinitely. Nice video, keep it up!
This guy's a genius. No wonder he was a teacher. He worked out that until he turned 30 he was in his 20s. OMG he's Einstein.
Really good video Ryan. As usual, real down to earth.
Rich Dad/ Poor Dad is anti-job.
yep its about cash flow
Excellent advice -- I have an ex-pat brother living in Bangkok who could learn a LOT from you -- I have sent him the link to your video -- thanks for publishing.
america thanks you for leaving
Good video. First one of yours I've seen, but just subscribed. Went to Pattaya for the first time 12 months ago. Been back two more times since and will be visiting again this summer with friends. Yeah it had a quite an impact on me. God I want to live in SEA.
Ryan can you make you videos last only 3-5 minutes? I don't have 14 minutes to spend on a single video. Thanks
Listen to it on the way to work or on a drive to make it go faster.
Go watch someone else then
take a longer dump
I've always worked good jobs but because of the work I did I always got hurt. Now at 50 my injuries are catching up to me. I'm now on disability and moving to Thailand as soon as all my paperwork is done here.
You sure love the sound of your own voice.
Marbles McGee he's a teacher,what'd you expect
and whats the problem? you smell your own farts dont you?
I do, all the time. Love it :D
How did you know?
hahahahahahaahahahahahhahahahahahahahha
Thankyou Ryan. Truly a massive inspiration!
First video I've seen of yours but i will definitely keep up to date from here. I just realised i have got a bunch of resumes to hand out tomorrow ;)
Money talk is cultural. Since you have an international audience, local taboos don't apply.
Thanks for the tips,that was a fantastic video ! Keep up enjoying your life, and I hope to meet you one day in Pattya.
up until 30 u were in ur 20's? thats insane
I know a guy in Bangkok who's living very comfortably off his U.S. Navy pension. He gets about $4000 a month transferred from his U.S. bank account to his Thai account. He's living in a luxury condominium which has an Olympic size swimming pool, gym, concierge, security, etc, near downtown Bangkok. I'm talking about an old timer whose generous pension gives him access to young local putang on a regular basis. The guy lives like a king in Thailand and he has no intention of ever returning stateside.
"I worked really hard in Japan".
As a TEFL teacher :'D So hard....so, so hard.
Ryan - wow, you're right! Some of the comments are terrible, I can't believe it. Usually on these videos people may argue points among themselves but not the video host. Well, people will be people and that means some are less desirable. People who demoralize others for absolutely no reason have already demoralized themselves. You worked hard, made your way through your own initiative and sharing this with others, not at all in a braggart way but as a guide for others who wish to navigate a similar course. I admire what you did. You are absolutely not lazy - people who say that just like to demoralize others and envious of success, so rather than try to pull themselves up they would rather pull others down. Anyway, I have some points to make specific to your life and will post it on another comment because I don't want to make this one too long.
1000 bucks a month, after tax.........I am a humble, low-cost individual, post-family and a lover of heat and travel - no drink, no smoke, no broads.......liked your vid Ryan and you probably made your point.........keep em coming, man
really liked this video dude, keep up the good work!
I have also read Rich Dad Poor Dad. Glad the book had an impact on you. STASH CASH! rotate savings into investments! BOO YA!
what about taxes? if you have a bank account in USA and have income from online stuff(youtube, website etc) AND you live in another country(to avoid high living costs), do you have to pay taxes??
its good to hear from you again bro!!! live life do ur thing ignore the haters!!
Very interesting story, and it explains how you came to dislike Japan, so many jobs, as the old wisdom goes; all work no play makes Jack a dull boy. Money counts, so does quality of life. Working productively in the right field can be gratifying far more than just the money. Keep exploring, finding your balance is the best goal, enjoy the big world, you sure got a good start at only 40, someday you'll be 50, 60, and more, a long way to go, have fun.
Holy poo if I could afford Japan i would be there all day. I love Asian woman and Japanese are the top for me but my budget will probably only allow for Thailand. Although they are beautiful as well, I guess I just like Japanese food more. LOL
Great video, the hard work is paying off. Rich Dad Poor Dad is a great book and made a big impact on me. I wish I had read it a lot sooner though but better late than never.
shit man this really made me think about my future, glad you made this vid
I don't even see what that has to do with this. But ok
The internet never fails to give me a good laugh lol You have a nice day buddy
As soon as you asked that question at the end, I was like, I already figured it out haha.
I'm $28,500 (roughly)short from retiring in Thailand (based on age, lifestyle, and such)
I like how you title the video "How I live in Thailand without working" then proceed to describe the work you did.
Ryan, I'm not sure if you know this or not but you TOTALLY have a Japanese accent now. When I watched my first "Boundless" video you were talking about Gaijin Hunters and I didn't pick up on it then because I wasn't as familiar with the asian accent as I am now (sister in law is Korean). But now, after being around her for a few months and just picking up on her accent and listening to other japanese people (really asian not necessarily japanese). You TOTALLY took some of that with you. Hope that doesn't leave a bad taste in your mouth but ya. it's there! lol. Listen to how you said "Guru" and then listen play the video over again and your language abilities start becoming evident. lol.
He escaped from Japan? Godzilla ran him out of town LOL
I am planning on moving to Thailand for school soon so that's what brought me here. I am glad you have been able to make things work and be happy in a new place. I am hopeful that I will be able to do the same! :)
this guy is a mess,,,
I would need about $1000 US a month consistently for the rest of my life (not considering inflation). I currently earn between minus 5000€ and plus 20000€ per month and so can earn large amounts of money but my revenue streams are very volatile and high responsibility. Ideal situation would be to be able to position myself into a situation whereby I would passively generate one thousand a month, then I would be exceedingly rich for the rest of my life in Thailand or many other parts of Asia.
Ryan this was a great video! I wish you always had this demeanor in your videos, and not the "Hey Fucktards" side of you.
Thats what drew me to your channel a year ago, and and ive since watched all your videos. The advice of prolonging your spending for instant satisfaction is all really good advice.
-Dreamcrusher out
great video ryan you have got me thinking right now , unsure of what id need to walk away
Cheers, that saved me a bit of time, less than a minute in and you've insulted your viewers already. Don't need to watch someone with so much contempt.
Enjoyed the video. I'm 55 but I don't think I'm in a position to retire. You absolutely did the right thing. I think $1,500 would get me by in Thailand or even Cambodia.
Why do you ask money from your subscribers? I dont understand.
If you're not paying for the product, you are the product.
it supplements his income and its optional. nobody is putting a gun to your head and telling you to put a tip in the jar.
+Von. S .... Americans are the only ones "all about money"....lol. have you traveled at all moron?
If you have enough and you ask for more, i call that greedy.
+Hunting for a living Heavily active RUclipsrs (i.e. those that supplement their income through it) are essentially miniature film/tv studios in their own right. People invest money in Netflix for their productions, if they want more. People invest in popular RUclipsrs for their productions, if they want more. Why would you expect it to be free?
It is pretty easy. When you are in Thailand without a job you are either retired (need to be 50+ of age with 800.000 baht in the bank or 65.000 baht a month retirement) or you have a job. Any other situation and you are a tourist. Which forces you to exit the country every month. And you are not guaranteed to get a new visa, so be ready to leave.
Ryan, bro! Perhaps it's rude, but we want to know about your life! We mostly see one part of your life where you travel, and live a nice life! We want to know more. Your hurting my feelings, bro! (Just kidding though)
*You're
+infoprodigy1 it's you're and he corrected himself
WTG . Was wondering myself admittedly. Thanks for being candid. Agree with Amanda as well
$3400 AU$. Thanks for sharing. I am moving my family to Thailand around March 2017. I rent out shipping containers, trade the stock market and own gold and silver. We have savings and will be selling our 2 cars a boat and camper trailer before we come over. We are also debt free. I must have read Robert Kiyosaki's book 20 times. its a classic that everyone should read.
Thanks again.
John Galjaardt hi john make shor befor you leve aus you get a thailand visa i think you can stay for 6 months . and then go to camboda ( kampot is on the river . sihanoukville on the beach ) . a one year camboda visa $ 280 US 6 MONTHS 180 $ 3 MONTHS 85 $ when coming to camboda at the border get ordinary visa .NOT TOURIS VISA
Your honesty is appreciated - good to see you in Thailand - I think you will be there long time.
2005, turned 30. So living in Thailand without working. OK. So where is he getting money to live? Just spending savings? Money can run out unless you really had a large bankroll! Sure you can save up money and then live off the savings, but for how long? A few months, a few years? Then what? Beg until retirement and the minimum social security you might get? What a croc post. The guy makes you think he is living without working. YEs for a few years he is, but that won't continue
He even explained it. He has savings, most of which is in long-term investments. Then he spends the $500 he makes on youtube to live without using any of his savings. So his savings is earning him money for the future, since he's not dipping into it now. It's really not that complicated.
I wonder how old he looked at 30 lol.
If you have enough money or passive investment income you wont need to work...
Nice video, good inspiration to save money. I have a friend whose dad made probably 150,000+ self employed but now he is 60 with a ruined back and can't work anymore with little retirement. My dad worked for UPS for 40 years and didn't make tons of money but he has a super solid retirement, and he makes more retired than he did working. Their retirement is ridiculously good. Sometimes tons of money for short periods isn't as good as a steady income. It's all about how it's managed.
I'm "retired" now in Bangkok area. I just work at every day doing whatever I enjoy with an eye towards building capital and not over spending. Next year I may get back to teaching English, but only when I am ready. Since I don't speak Thai much I have to learn from mistakes some times and deal with local quirks. Easy does it.
another great video, my friend. I'm happy for you!
Awesome Ryan, just awesome! Thanks for the boosting Inspiration. Peace & take care!
nice video as always Ryan, be careful what you say about personal financial status, there are people in Thailand who watch this..word to the wise.. I never ever let others know my wealth status. stay safe, love your videos! Just bought a go pro and realize how hard this is to daily document life. Keep up the great work..peace rbinaz
Good point. Now some scumbags can decide to approach him with "investment opportunities". Happens all the time.
hopefully not...great guy that Ryan...be heading over there soon!
I watched this video and it made me really happy. You seem like a down to earth guy who makes RUclips videos for a living. keep up the good work.
Ryan, you are really smart. Thanks for sharing your wisdom.
you have to make the life you want, forget other people. Congrats and enjoy, you've earned it.
Great advice that so many listen to BEFORE moving to Thailand! I moved here 11 years ago at 40 with what I thought was enough money at the time, but the baht to dollar went from 42bt = $1 to 32 about a yr and a half later. Having to do visa runs didn't help either.
Monthly amount of money to walk away from my job -
9,000 or 10,000 NIS , which is about 2,500 to 2,700 USD.
That's what i'm aiming for with my job any way and it will set me up on rent, living expenses and like a vacation 2,3 times a year.
I'm talking as a bachelor though, so when and if i get marries, you gonna need to double that.
Great video....the great Western experience is about spending, and not saving, and that fails. You are one of our few that understand that a person's financial success it is not how much you make, but how you manage your money.
Kudos for your achievements Ryan Boundless!!!
Wishing you the very best in life
Really interesting vlog, I am 28 and I have been doing the same as you, saving around £10000 then going to Thailand, so I have not got to stay in England for the winter, then spending all of it,
That's been going on now for six years, and I am like you was broke, with no money now, I am going to read that book, and start to look after my money, so thanks for sharing this, it was really interesting.
I will let you know, in a year what happens.
Thanks for being so open to share this, most people don't talk about their money like that. It is very insightful and I will give that book a try. Actually I am looking for taking some steps in 'making money work for me' / investing.
I am from Europe and 30 years old. I am an expat for about 4 years now (2.5 years in China, and in the US since 1.5 years) and I have accumulated quite some money in those years. But it is only cash, no property whatsoever.
I never touch my base salary, and use about half my 'expat allowance' for groceries, gas, entertainment, and once in a while I use a bit more to buy new clothes, or something you would consider luxury (eg new laptop, travel). Everything else (car, accommodation + utilities, insurances, etc.) is covered by my employer. The company also gives me 2 flight tickets each year for personal use, to any destination.. which is a huge cost saver. Not being married is a huge cost saver too, I guess..
I travel to many places around the world at almost no cost, predominantly for business but always find time to do touristy stuff and check things off my bucket list. This was great for the first 2 years or so... but major downside for me is that I am away from the people I love, and I only see them once or twice a year. I also don't really bother investing time in friendships here because in my mind I am just a visitor for limited time. This situation affects my happiness (and it's gotten worse recently). There is the feeling I want to go home and settle (get married, kids), but I also feel I will regret it when I turn my back to my current life. The stream of money is impossible for me to turn down, and even though I already saved quite a lot.. it's never enough :)
Perhaps I should hold on a bit longer, and aim for having an easy life with family once I return home. It's just that I don't know what I would need for that. Investing to create new streams of income (to at least cover basic living expenses) after quitting my job would definitely help... if you have any suggestions on how/where to get started, I would greatly appreciate it
Financially I screwed up bad as a kid (19-24 years old/50000sek,5600$ in debt). Then my best friend told me (like Ryan) not to spend my money on something I can't afford to buy instantly (like a PS4, phone or iPad). And then I read in a book that told me I should always save 10% of what I earn. Every month. Worked for me.
Hope the IRS tax people are not watching this if he goes back to usa
Overextending one's self seems a worldwide problem unfortunately. My wife is Filipina and they are materially hungry just like Americans. For some reason, it is a rarity for people to save. People just seem to love living on the edge. Personally I'm uncomfortable living on the edge, but it seems others are uncomfortable living with money in the bank.
I didn't get all your last comment on that other channel. it was cut off. send it on this channel.
Sounds like your living your life the way you want to and your conscious efforts paid off. Wishing you continued health and prosperity in all you do.
one thing's abundantly clear, thailand doesnt have any dentists....