40 now, and everything is paid for. Fortunately, I had a college economics teacher who taught me a lesson when I was 18 years old. That lesson was: you can't buy something else for every purchase you make. Having multiple sources of income is prudent, as is living within your means. I have a 13-year-old vehicle because it is all I need, I like it, and I can do whatever I want with it. My net worth is $900k, and I can pay my bills without stress, but I don't live like I have that. I have no complaints.
I fully agree; I'm 56 years old and recently retired with approximately 1.2 million in outside retirement funds, no debt, and very few dollars in retirement funds in comparison to my portfolio balance over the last three years. To be honest, the financial advisor's role can only be ignored, not dismissed. Therefore do your research to get a reputable one and that should be any individuals main route into the market.
Yes, I'm in my mid-50s, and a few years back, I moved my investments to my wife's wealth manager. While I haven't caught up to her long-term gains, my current earnings and the growth of my retirement fund, compared to just relying on the 401(k), are pretty satisfying.
Do your homework and choose one that has strategies to help your portfolio grow consistently and steadily. *Camille Alicia Garcia* is responsible for the success of my portfolio, and I believe she possesses the qualifications and expertise to meet your goals.
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
I love watching fellow FIRE people like this who live abroad or travel a lot who make their income in dollars and live in a cheaper country. It is so so smart. I am currently FIRE in an expensive state, but I have somehow lowered my expenses so much that it works out for me here. I am single and would love to meet other FIRE people and make friends
@@JeanVoronkova Hi Jean! No, indeed we do learn from you. You have such a beautiful way of explaining things and we learn from you with each and every video you upload. You have a wonderful gift for communicating, you know. Your words are often like a Trojan Horse, entering into our hearts and springing forth with meaning as we listen further to what you have to say. I think it is called annunciation, and yours is exquisite. You are easy to listen to, so easy to understand and what you say is always such wonderful content. Seriously, your channel is meditative, educational and entertaining.
Stopping to smell the roses or whatever smells good to you is really a good thing to keep in mind. In the US because of the Canadian forest fires we have been getting some really pretty sunsets that are very red or redish orange. I still enjoy the sunset no matter what is happening or how our sunsets are affected by other factors. Thanks for sharing.
If one learns to enjoy every moment, there is no limit to how much joy one can have and share, any time including the retirement. Thank you for great suggestions! All the best! ❤
As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Hard to find core pursuits when I work so much and when I come home I just play video games for an hour or two and sleep before I do it again tomorrow. One of the biggest issues I think I'll have if I ever do retire. Also with retirement, I am supporting my parents right now they have no savings and retired and not easy when other people depend on you.
Actually, there is some very good advice in here. The point I like most is courage. We are just starting our "early" retirement journey... and as I approach 2 weeks left to work, fear is an emotion that comes up strongly. The what if's. I'm leaving behind a solid and lucrative career. IT is hard to say "enough is enough", if we keep going it's just more money that may not be necessary. Switching off that normal programming people are conditioned with.
Thanks I’m glad u caught my point! Living well in retirement is so much more than just being able to enjoy luxury. It’s the little things in life like family time and simple joys that make it colourful and meaningful for me
Thanks Jean for the info. Compliments the Retirement Course attended. Interesting retirement series that's useful. Looking forward for more such videos.
thanks Richard im happy if the videos are a value add! not course lah. Just sharing from our experience and happy it helps others. I learnt a lot watching my own dad's retirement journey a decade ago.
Is very rare to retire so early, you are the smart and daring and professional, official retirement age is 60 +/-2 internationally. If you have a family, you hope to retire at 62 diminish more! So your advise, is good and encouraging everyone to work/plan on it to achieve retirement goals. But no one can reach your level, If you still have a parent behind to take care or family/children to take care!
Okinawan's secret to long life: 1) ikigai - from Japanese to English as “reason to live.” 2) moai - refers to a group of lifelong friend and 3) Hara hachi bu is a dietary rule that says that you should eat until you are 80% full. A fan of your videos..
Jean, I came back to Canada from a trip to Singapore (2 days) and Bali (9 days). I went to some of your food spots from one of your Singapore videos and it was phenomenal. I also enjoyed my time in Bali; it is such a beautiful place. I can't thank you enough for all your videos. I'll be a forever fan for life! Just curious, what type of cameras do you use for your vlogs? Take care and regards to Vitaly (spelling?)
was the value of core pursuits the measurement of their happiness? so in the study you mentioned, (I might have missed the citation for it), what was the measurement of happiness? The lower number of 1.9 versus the other number was confusing for me
Also when I was in the Army I used to save all my money when I got paid. Also my pay would double when I was stationed overseas, so once I retired I had tons of money in my savings account. Jean I'm so happy that you are giving tips to prepare for retirement. Jean you would be a good financial advisor in my opinion Jean sweetheart. Also you have great people skills Jean sweetheart.
HELLO i know i want to move to bali but i have some concerns i am a Lyme disease survivor and have chronic pain which requires pain management using opioids blood pressure meds etc, i live a good quality of life because they allow me to function . i live in FLORIDA I DO I GET MY MEDICATIONS AND EVEN I I WAS TO travel back to the states to see my doctors it would be monthly i get a annuity every month I'm a government retiree so im good on money i just don't know about the health care i have great insurance too
You may mention that you retired on your own but don’t hold retire visa because that has an age limit to qualify.. some people may think that they can apply for retire visa in younger age.
@@qj2003fallRetirement visa, as mentioned, have a age requirement and allow for long stays without having to leave the country. For example, here in Thailand there are the O and OA visas available to expats at least 50 years old. These visas can be extended yearly indefinitely. The visas and extensions have financial requirements that you have to meet each year.
This is a great video as I am about to become a proud member of the FIRE community. One thing I have never heard anyone discussed is should an expat plan for a "repatriation" toward the end of their life as obtaining a PR in Thailand or Indonesia as a retiree is nearly possible? What are the considerations for a return to homeland scenario? Would love to hear everyone's thoughts.
nice! thank you for leaving this comment that's actually a really good thing to think about and discuss! I'll appreciate any views from others, but personally since my hubs is from Russia, we've discussed that when we r very old and no longer surfing we may be happy to move back to Russia, get some land for cheap somewhere and grow our own food and just live quietly.
@mcb00m ooh definitely haha but I guess we enjoy the 4 seasons too. For now we will stay where the surf is but when too old, change of scenery isn’t a bad idea
Or plan to get old and die in your adopted country. Plan your finances to last you until the end. Very inexpensive home care can be obtained in Thailand and other low cost of living countries. This could be a much better option than a nursing home in say, the US.
Tqvm Jean. Very good advice. Valid ones. M Msian. 75 yrs old. A mayor of a new town. Appointed by govnt. But this yr 2024 is my last yesr n service term. So retirement is coming. Not keen to go on as mayor even if govnt offers me. I wish to meet n talk with u in Bali. I go there pretty often. Can hve yur contact in Bali? Tqvm. Peter Minos.
I feel compelled to mention Jean, that one of the people skills you speak of include the ability to tell people to go away. It's amazing that when we retire (especially on government pensions) people develop an uncanny ability to make themselves a burden on the retiree. I'm not suggesting turning into a cold-hearted SOB, but enhanced due diligence is needed. I can't say exactly why this happens - if it is a natural tendency to hit on seniors or foreigners, or if people see retirement payments from whatever source as "free money", but this definitely happens...Retirre enjoy thyself, but en garde!... 😏
oh i definitely have to agree with that - thanks for the contribution to the discussion Bart. It's really true - we have to be able to say no when it's neceessary. Sometimes it's not about money. A lot of times its also about others encroaching on your time and freedom in retirement. Sadly.
Thinking is retiring in 20 years? Due to inflation, you may need upwards of $2.6 million to maintain your existing lifestyle, with the ongoing effects of high inflation. Lower forecasted stock market returns, and stagnant wages, achieving a secure early retirement could be more challenging than ever before.
An obvious way to invest for a recession is to buy shares in businesses that are likely to experience steady demand even in a downturn. Typically, those are consumer staples, utilities, and healthcare companies, but off course such decisions cannot be made by an average joe, a financial advisor is important in making this decisions.
I mirror the trades of "Janet Santa Sherry" a US SEC & FINRA regulated Investment Adviser and she has been very consistent. Since, my returns has grown at a tremendous pace unlike I can say for my IRA which has been trudging along. My holdings only mirrors what she tradess,not just on some particular industries of my choosing. She has some interesting things to say about the state of algorithmic trading today. Obviously I am seeing the results.
Sorry, but I can not imagine that you are retired at the age of 38. Do you have already spared money for the next 10, 20. 30, etc. years so you don't have to work anymore?. You have expenses, right?, so do you have enough money to say you are retired and pay your daily expenses and probably travel?. I don't understand what do you mean then with "I am retired".
We F.I.R.E.d (financial independence, retire early) at age 38 for me & my hubs was 35. Its been 2 years. We did that by saving up our money to make investments like rental properties that yield us passive income so we don't have to work jobs now but we still have money every month to live off.
1. Rich Parents With Hefty Bag Coming Your Way Upon Death 2. Failing That..... Rich Uncle With No Children Of His Own (Also A Hefty Bag) 3. Pulling Your Bag Out Of The Crypto Bull Market Before The Music Stops 4. Riding Endless Real Estate Speculation Appreciation 5. Lottery 6. Be An Attractive Woman With OnlyFans Account + Lots Of Simps
Clearly you’ll rather spend your time writing inane comments on YT instead of channeling efforts towards bettering your life, which probably will also be more or less the same reason why your current situation, whatever it is, won’t change. You could try looking up the term Poverty Mindset. That consciousness could be helpful to you.
@@JeanVoronkova the sarcasm was lost on the channel host, and my comments struck such a nerve it brought about a multi sentence reply. I admire the attention and the power generation of my words. :)
Finely tuned wit it definitely is not 🤭 but your comments reflects the sentiments of a sector of my audience I’ve been wanting to address directly for a long time about exactly the topic of having a Poverty Mindset! In fact crafting some thoughts about a video on that topic exactly, so uhm… stay tuned? 😅
You say you've retired, but you are actually a salesperson for a stock broker firm, using these videos as an advertising platform no? If I were "retired", I'd be retired from doing any sort of work
Hi Jean from Ubud :). We've been in Bali for a little over a week now. It's so much busier than when I was here last year! Just want to say we went to eat at Goemerot in Denpasar as recommended by one of your food videos and it was really nice. Ayam Sambal Matah was super spicy like you said 😅 We're also going to follow your trail in Lovina in a few days! I definitely need courage to invest. I'm super risk averse. I've tried shares a few times, made some money, lost some money. No chance of buying property. It's just unaffordable in Australia and I also don't like the feeling of having a mortgage or debt in general. Personally, I actually wouldn't mind working until 70 if I'm physically able and employable, but the key is to do what I enjoy, or at least don't hate going to 🤣. I've seen too many retired senior people who enjoy retirement for like a year then become depressed, bored, have lost their self-esteem, or simply got too much time in their hands so they nag their family a lot coz they don't have their own life anymore. I've also seen this happen to some friends who voluntarily chose to become a stay-home mum/housewife. I think working does have its benefits, but again, it has to be something we enjoy or at least don't dislike doing it.
Oh HEEEEEYYYYYY!!!!! Ure in Bali!!! Omg actually we hv been on the road w my parents the past week and were just in Ubud a few days back!! Guess we didn’t cross paths 🤭🦋 glad u enjoyed Goemerot I haven’t been back in a while we keep trying new stuff but ya Ayam Sambal Matah is always bloody fantastic isn’t it? I love Sambal Matah anything so much actually haha 🤭🤭🤭 investing isn’t just about the stock market though, u may just have to poke around and try a few things and really find what suits ur temperament and personality. I tried day trading before for a year - I made so much money at first but then also gave it back to market plus a bit more all in the end and the emotional ups and downs were so much to go thru. So eventually I changed my investing style until I found what suits. There’s also stuff like bonds, for me esp government bonds cos SG govt is quite a safe bet. And for us real estate is something familiar n what we r experienced in and we enjoy doing - we like building n designing, n then we quite enjoy taking care of tenants. So this is what we worked out. But it’s different for everyone. Maybe urs may lie in business? Maybe something u love, that u enjoy doing, and that also can be built up into something that brings in an income over the longer term. That’s what we wd also love to do. To start a new business that we wd enjoy. But we’re so conservative we’re still taking time to look around after two years. But anyway I hope you’re having the most amazing time in Bali!!! Oh by the way in Lovina we stayed at Lovina Beach Club recently and it was really nubbad too! Beautiful infinity pool! I hope u get to see loads of dolphins!! Enjoy!!!
haha that's more my investing style now but when i first started i was into day trading and swing trading. It suits some people - i do hv friends who r v successful off that - but i can't take the pressure and the number watching lol
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"Retirement isn’t an end goal, but a journey best secured by careful and consistent investments."
Well said! Retirement is the reward of disciplined investing over the long term, not just a destination.
Well said! My adviser guided me through retirement planning, ensuring my investments were strategically positioned for long-term rewards.
That's a great point! Finding a reliable financial adviser would be essential for me to ensure my retirement plans are well-structured.
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.
I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you
40 now, and everything is paid for. Fortunately, I had a college economics teacher who taught me a lesson when I was 18 years old. That lesson was: you can't buy something else for every purchase you make. Having multiple sources of income is prudent, as is living within your means. I have a 13-year-old vehicle because it is all I need, I like it, and I can do whatever I want with it. My net worth is $900k, and I can pay my bills without stress, but I don't live like I have that. I have no complaints.
I fully agree; I'm 56 years old and recently retired with approximately 1.2 million in outside retirement funds, no debt, and very few dollars in retirement funds in comparison to my portfolio balance over the last three years. To be honest, the financial advisor's role can only be ignored, not dismissed. Therefore do your research to get a reputable one and that should be any individuals main route into the market.
Yes, I'm in my mid-50s, and a few years back, I moved my investments to my wife's wealth manager. While I haven't caught up to her long-term gains, my current earnings and the growth of my retirement fund, compared to just relying on the 401(k), are pretty satisfying.
@@maryHenokNft wow ,that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.
Do your homework and choose one that has strategies to help your portfolio grow consistently and steadily. *Camille Alicia Garcia* is responsible for the success of my portfolio, and I believe she possesses the qualifications and expertise to meet your goals.
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
I love watching fellow FIRE people like this who live abroad or travel a lot who make their income in dollars and live in a cheaper country. It is so so smart. I am currently FIRE in an expensive state, but I have somehow lowered my expenses so much that it works out for me here. I am single and would love to meet other FIRE people and make friends
We so love your heart, Jean. Thank you for everything that you and Vitali do and present for us to watch and learn from
thanks Alan, long time no see! I wouldn't say the stuff we put out there is for others to "learn from". Just sharing what hopefully is useful heh!
@@JeanVoronkova Hi Jean! No, indeed we do learn from you. You have such a beautiful way of explaining things and we learn from you with each and every video you upload. You have a wonderful gift for communicating, you know. Your words are often like a Trojan Horse, entering into our hearts and springing forth with meaning as we listen further to what you have to say. I think it is called annunciation, and yours is exquisite. You are easy to listen to, so easy to understand and what you say is always such wonderful content. Seriously, your channel is meditative, educational and entertaining.
All six of these are skills and attitudes that would be good to cultivate BEFORE one retires! Thanks, Jean, for the reminder!
spot on! thanks Meg!
Stopping to smell the roses or whatever smells good to you is really a good thing to keep in mind. In the US because of the Canadian forest fires we have been getting some really pretty sunsets that are very red or redish orange. I still enjoy the sunset no matter what is happening or how our sunsets are affected by other factors. Thanks for sharing.
wow for you the glass must always be half full :) that's a wonderful attitude to carry about in life Rebecca :)
Thanks for sharing. My wife and I fans of your channel from Singapore. We love Bali too and your videos give us inspiration to think about future.
I love that! Thank you for sharing with me. This is what the videos are for :)
If one learns to enjoy every moment, there is no limit to how much joy one can have and share, any time including the retirement. Thank you for great suggestions! All the best! ❤
absolutely. Those are wonderful takeaways! thanks Nadia!
As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Hard to find core pursuits when I work so much and when I come home I just play video games for an hour or two and sleep before I do it again tomorrow. One of the biggest issues I think I'll have if I ever do retire. Also with retirement, I am supporting my parents right now they have no savings and retired and not easy when other people depend on you.
Actually, there is some very good advice in here. The point I like most is courage. We are just starting our "early" retirement journey... and as I approach 2 weeks left to work, fear is an emotion that comes up strongly. The what if's. I'm leaving behind a solid and lucrative career. IT is hard to say "enough is enough", if we keep going it's just more money that may not be necessary. Switching off that normal programming people are conditioned with.
Thanks for sharing Jean ! that is a real case of life, happy retirement is more important than Money I totally agree with you!
Thanks I’m glad u caught my point! Living well in retirement is so much more than just being able to enjoy luxury. It’s the little things in life like family time and simple joys that make it colourful and meaningful for me
Thanks Jean for the info. Compliments the Retirement Course attended. Interesting retirement series that's useful. Looking forward for more such videos.
thanks Richard im happy if the videos are a value add! not course lah. Just sharing from our experience and happy it helps others. I learnt a lot watching my own dad's retirement journey a decade ago.
Is very rare to retire so early, you are the smart and daring and professional, official retirement age is 60 +/-2 internationally.
If you have a family, you hope to retire at 62 diminish more!
So your advise, is good and encouraging everyone to work/plan on it to achieve retirement goals.
But no one can reach your level, If you still have a parent behind to take care or family/children to take care!
You can’t achieve didn’t mean others can’t
True. Keep sharing your thoughts and info to inspire more people to live meaningfully and make memories
Okinawan's secret to long life: 1) ikigai - from Japanese to English as “reason to live.” 2) moai - refers to a group of lifelong friend and 3) Hara hachi bu is a dietary rule that says that you should eat until you are 80% full. A fan of your videos..
Hi Jean,
Your suggestion is valid. Enjoy the present of life is the way as per my perspective.
Thank you for sharing.
WTK
Yes the enjoyment of every moment and the happiness of the moments and friends and family 🌺🌺
Jean, I came back to Canada from a trip to Singapore (2 days) and Bali (9 days). I went to some of your food spots from one of your Singapore videos and it was phenomenal. I also enjoyed my time in Bali; it is such a beautiful place. I can't thank you enough for all your videos. I'll be a forever fan for life! Just curious, what type of cameras do you use for your vlogs? Take care and regards to Vitaly (spelling?)
was the value of core pursuits the measurement of their happiness? so in the study you mentioned, (I might have missed the citation for it), what was the measurement of happiness? The lower number of 1.9 versus the other number was confusing for me
Also when I was in the Army I used to save all my money when I got paid. Also my pay would double when I was stationed overseas, so once I retired I had tons of money in my savings account. Jean I'm so happy that you are giving tips to prepare for retirement. Jean you would be a good financial advisor in my opinion Jean sweetheart. Also you have great people skills Jean sweetheart.
how do you pas time ....all my friends have no time to spend .... appreciating the little joys
HELLO i know i want to move to bali but i have some concerns i am a Lyme disease survivor and have chronic pain which requires pain management using opioids blood pressure meds etc, i live a good quality of life because they allow me to function . i live in FLORIDA I DO I GET MY MEDICATIONS AND EVEN I I WAS TO travel back to the states to see my doctors it would be monthly i get a annuity every month I'm a government retiree so im good on money i just don't know about the health care i have great insurance too
Just saw your channel now. Don't you feel stock sometimes or burnt out thinking you were not employed?
Interesting! 👍
You may mention that you retired on your own but don’t hold retire visa because that has an age limit to qualify.. some people may think that they can apply for retire visa in younger age.
What’s retirement visa?
@@qj2003fallRetirement visa, as mentioned, have a age requirement and allow for long stays without having to leave the country. For example, here in Thailand there are the O and OA visas available to expats at least 50 years old. These visas can be extended yearly indefinitely. The visas and extensions have financial requirements that you have to meet each year.
This is a great video as I am about to become a proud member of the FIRE community. One thing I have never heard anyone discussed is should an expat plan for a "repatriation" toward the end of their life as obtaining a PR in Thailand or Indonesia as a retiree is nearly possible? What are the considerations for a return to homeland scenario? Would love to hear everyone's thoughts.
nice! thank you for leaving this comment that's actually a really good thing to think about and discuss! I'll appreciate any views from others, but personally since my hubs is from Russia, we've discussed that when we r very old and no longer surfing we may be happy to move back to Russia, get some land for cheap somewhere and grow our own food and just live quietly.
Isn't Russia a little colder than Indonesia 😅
@mcb00m ooh definitely haha but I guess we enjoy the 4 seasons too. For now we will stay where the surf is but when too old, change of scenery isn’t a bad idea
Or plan to get old and die in your adopted country. Plan your finances to last you until the end. Very inexpensive home care can be obtained in Thailand and other low cost of living countries. This could be a much better option than a nursing home in say, the US.
話が上手いですね😊
勉強になりました✨
🙏🤗 ビデオが役に立ったと思っていただけて嬉しいです
Tqvm Jean. Very good advice. Valid ones. M Msian. 75 yrs old. A mayor of a new town. Appointed by govnt. But this yr 2024 is my last yesr n service term. So retirement is coming. Not keen to go on as mayor even if govnt offers me. I wish to meet n talk with u in Bali. I go there pretty often. Can hve yur contact in Bali? Tqvm. Peter Minos.
I'm semi-retired in Bali as well. Same amount of time as yourself. But, I'm going to Singapore next month. Any advice? Kyle
Nice
Thanks Josep ☀️🦋
Being a Singaporean I believe Singapore is 1 of the place that use us workers into the early grave.
it's a challenging place to work and live in for sure
I feel compelled to mention Jean, that one of the people skills you speak of include the ability to tell people to go away. It's amazing that when we retire (especially on government pensions) people develop an uncanny ability to make themselves a burden on the retiree. I'm not suggesting turning into a cold-hearted SOB, but enhanced due diligence is needed. I can't say exactly why this happens - if it is a natural tendency to hit on seniors or foreigners, or if people see retirement payments from whatever source as "free money", but this definitely happens...Retirre enjoy thyself, but en garde!... 😏
oh i definitely have to agree with that - thanks for the contribution to the discussion Bart. It's really true - we have to be able to say no when it's neceessary. Sometimes it's not about money. A lot of times its also about others encroaching on your time and freedom in retirement. Sadly.
Thinking is retiring in 20 years? Due to inflation, you may need upwards of $2.6 million to maintain your existing lifestyle, with the ongoing effects of high inflation. Lower forecasted stock market returns, and stagnant wages, achieving a secure early retirement could be more challenging than ever before.
An obvious way to invest for a recession is to buy shares in businesses that are likely to experience steady demand even in a downturn. Typically, those are consumer staples, utilities, and healthcare companies, but off course such decisions cannot be made by an average joe, a financial advisor is important in making this decisions.
Glad to have stumbled on this conversation. Please can you leave the info of your investment advisor here? I’m in dire need for one.
I mirror the trades of "Janet Santa Sherry" a US SEC & FINRA regulated Investment Adviser and she has been very consistent. Since, my returns has grown at a tremendous pace unlike I can say for my IRA which has been trudging along. My holdings only mirrors what she tradess,not just on some particular industries of my choosing. She has some interesting things to say about the state of algorithmic trading today. Obviously I am seeing the results.
Hi good evening 😍
Hello 😊
Sorry, but I can not imagine that you are retired at the age of 38. Do you have already spared money for the next 10, 20. 30, etc. years so you don't have to work anymore?. You have expenses, right?, so do you have enough money to say you are retired and pay your daily expenses and probably travel?. I don't understand what do you mean then with "I am retired".
We F.I.R.E.d (financial independence, retire early) at age 38 for me & my hubs was 35. Its been 2 years. We did that by saving up our money to make investments like rental properties that yield us passive income so we don't have to work jobs now but we still have money every month to live off.
You’re a former lawyer but what did your husband use to do?
he was a former ice hockey player and then surf instructor!
1. Rich Parents With Hefty Bag Coming Your Way Upon Death
2. Failing That..... Rich Uncle With No Children Of His Own (Also A Hefty Bag)
3. Pulling Your Bag Out Of The Crypto Bull Market Before The Music Stops
4. Riding Endless Real Estate Speculation Appreciation
5. Lottery
6. Be An Attractive Woman With OnlyFans Account + Lots Of Simps
@hubert cumberdale - Most honest and hard truth! 😎
Clearly you’ll rather spend your time writing inane comments on YT instead of channeling efforts towards bettering your life, which probably will also be more or less the same reason why your current situation, whatever it is, won’t change. You could try looking up the term Poverty Mindset. That consciousness could be helpful to you.
@@JeanVoronkova the sarcasm was lost on the channel host, and my comments struck such a nerve it brought about a multi sentence reply. I admire the attention and the power generation of my words. :)
Finely tuned wit it definitely is not 🤭 but your comments reflects the sentiments of a sector of my audience I’ve been wanting to address directly for a long time about exactly the topic of having a Poverty Mindset! In fact crafting some thoughts about a video on that topic exactly, so uhm… stay tuned? 😅
@@JeanVoronkova look forward to it actually! I despise the poverty mindset too. 💪
You say you've retired, but you are actually a salesperson for a stock broker firm, using these videos as an advertising platform no? If I were "retired", I'd be retired from doing any sort of work
Bali's most stunningly beautiful lady.
🤗🌻 thanks Ross
You look like very smart girl so I wonder whether you did drugs when you were younger.
Hi Jean from Ubud :). We've been in Bali for a little over a week now. It's so much busier than when I was here last year! Just want to say we went to eat at Goemerot in Denpasar as recommended by one of your food videos and it was really nice. Ayam Sambal Matah was super spicy like you said 😅 We're also going to follow your trail in Lovina in a few days!
I definitely need courage to invest. I'm super risk averse. I've tried shares a few times, made some money, lost some money. No chance of buying property. It's just unaffordable in Australia and I also don't like the feeling of having a mortgage or debt in general. Personally, I actually wouldn't mind working until 70 if I'm physically able and employable, but the key is to do what I enjoy, or at least don't hate going to 🤣. I've seen too many retired senior people who enjoy retirement for like a year then become depressed, bored, have lost their self-esteem, or simply got too much time in their hands so they nag their family a lot coz they don't have their own life anymore. I've also seen this happen to some friends who voluntarily chose to become a stay-home mum/housewife. I think working does have its benefits, but again, it has to be something we enjoy or at least don't dislike doing it.
Oh HEEEEEYYYYYY!!!!! Ure in Bali!!! Omg actually we hv been on the road w my parents the past week and were just in Ubud a few days back!! Guess we didn’t cross paths 🤭🦋 glad u enjoyed Goemerot I haven’t been back in a while we keep trying new stuff but ya Ayam Sambal Matah is always bloody fantastic isn’t it? I love Sambal Matah anything so much actually haha 🤭🤭🤭 investing isn’t just about the stock market though, u may just have to poke around and try a few things and really find what suits ur temperament and personality. I tried day trading before for a year - I made so much money at first but then also gave it back to market plus a bit more all in the end and the emotional ups and downs were so much to go thru. So eventually I changed my investing style until I found what suits. There’s also stuff like bonds, for me esp government bonds cos SG govt is quite a safe bet. And for us real estate is something familiar n what we r experienced in and we enjoy doing - we like building n designing, n then we quite enjoy taking care of tenants. So this is what we worked out. But it’s different for everyone. Maybe urs may lie in business? Maybe something u love, that u enjoy doing, and that also can be built up into something that brings in an income over the longer term. That’s what we wd also love to do. To start a new business that we wd enjoy. But we’re so conservative we’re still taking time to look around after two years. But anyway I hope you’re having the most amazing time in Bali!!! Oh by the way in Lovina we stayed at Lovina Beach Club recently and it was really nubbad too! Beautiful infinity pool! I hope u get to see loads of dolphins!! Enjoy!!!
You don't lose money in shares unless you sell. Buy shares you'd be happy to hold forever aka Warren Buffett and you'll never lose 😉
haha that's more my investing style now but when i first started i was into day trading and swing trading. It suits some people - i do hv friends who r v successful off that - but i can't take the pressure and the number watching lol