Hey, Mary!! Thanks so much:). We are so glad to have you coming along with us and staying in touch via the channel. See you very soon and can’t wait to catch up real-time!!!!
Hey again!! Thanks so much!! We feel really content with how things are working now that we are over two years in. Really appreciate your good words and that you come along with us!!:)
Great video. I really appreciate your share. We aren’t retiring “early” but following a very similar path. Downsized, pets gone😢, kids educated, hate driving, etc. and travels begin in September. We’re still going to follow along on your adventures though.
Hey, Erin!! Sounds like a great plan:). We really found over time our plan crystallized as we planned our retirement, and then we continue to learn and tweak things even more as we get more clarity from every trip. Really excited for you and know you’re going to love it!! As always, we are so happy to have you coming along with us:)
Another incredibly useful video. Thanks for sharing so much advice and so many tips. I was aware of many of these already but love to hear your additional details on how you apply them.
Hey!! Thanks so much, and so glad it was helpful!! Are you planning to retire soon? We're really loving it, and wish you all the best. Thanks for coming along with us!!:)
Hey again!! We do the same thing. Keep it separate and use it how we choose without going into our regular operating accounts. It helps that interest rates are up, too! We moved ours to a high interest account and are getting over 5%, which adds up, too.
You give excellent advice. My partner of 39 years and I (now legally married) are very much mirroring your path. We early retired seven years ago at ages 55, and are now having a ball. Our financial planning/saving over the years allows us to travel how we want, when we want. Your best advice given is 'have a trusted financial planner'. Without the years of our solid financial planning, we would be sitting at home....broke.
Hey! Thanks for the comment and coming along with us! Congrats on working a successful plan in your life and retirement!:). It’s so important to get a plan early and stick to it. We are thankful for doing so. Congrats on 39 years, too!! Where have you guys been? What’s next? Thanks so much for coming along and love hearing from you!!!
@@dchiddengems We leave Sunday for a week in Cabo San Lucas. Next is a two-week Regent Seven Seas med cruise in May celebrating our 40th anniversary while onboard. Then Newport, RI this fall.
Thanks for sharing these tips. Curious as to how you handle trip insurance - trip cancellation, trip interruption, and medical. With some of the Airbnb strict cancellation policies I find I can't do without it. The credit card (Chase for example) trip insurance is ok but its medical benefits are very skimpy. Thanks for any thoughts on this. John (also in the DC area)
Hey John!! Thanks for the good words and question. We have the Chase Reserve, but also GeoBlue from Blue Cross for medical. We've used it and really liked it. They also have an app that helps you identify local doctors, hospitals, etc. in their network. It is very reasonable, renews yearly, and we'd recommend it. Where in DC are you from? Thanks again!!:)
@@dchiddengems Thanks so much for the tip. My husband and I are over the DC-line not far from the MD/Forest Glen metro. I had to 'chuckle' at some of your travel tips as we do a lot of the same. We too check-out Google maps on places to stay before we commit (harder to do for Airbnb as they don't give you the address until you pay but we keep at it until we find the unit), have the same impression of Viking cruises (we've been on one - it was great - but we're good for a while but may use them again for challenging countries, e.g. internal China/Tibet), we plan our own trips and spend a lot of time in one area to experience the culture and to 'slow travel' - we just got back from a month in Iceland and we're doing Japan for 6 weeks this fall. Thanks again for all of the good info.
Hey!! Thanks much for the good words. Chris is a clinical psychologist and Michael was a corporate business exec and then a Publisher. Glad you’re here!:)
Hey. Thanks for coming along with us! We’ve used Chevy Chase Trust for years, but there are many good ones out there, depending on what you need, your location, what you want in terms of service levels, etc. We think a big part of what’s important is the planning process and sticking to your plan. Now that we’re retired we are so happy for all those years of planning and executing the plan.
Hey! Chris retired in June ‘21 at 52 and Michael in September ‘21 on his 58th birthday:). We have never looked back, in spite of loving our careers. Something about getting into our 50s really drove home the value of time, especially for all we want to do. Are you planning? Thanks for the question:)
@@dchiddengems - I am retiring in 1 year at the age of 60. My wife and I have booked 3 cruises on Viking for this year with much more to come after that. We plan to see the world over the next 10 years and spend 4-6 months away from home once we are retired. You guys are an inspiration. Thanks.
What a great plan! Congrats and soak up every minute of it!! You’re going to love it, and also you’ll find tune passes quickly, so get out and live:). Let us know how you find Viking, and thanks again.
I retired at 59 and like you I saved for a year worth of expense. I travel a lot like you, but, mostly by cruising. I do Azamara and the other cruise ships. I don’t do Airbnb. I do hotels. I research the place I go to before embarking so I’ve learned about the blue dollar in Buenos Aires before I embarked on an Antarctica Exploration cruise with Hurtigruten ship. Like you, I’ve learned about this ATM hacks out there. If you’re with Chase, they have a private client debit card that gave me free foreign transaction fees and reimbursement on other fees incurred. I put notification for every transaction incurred so when I’m using it with foreign currency, I get the conversion amount right away which is a the current day conversion. Unlike you, I hardly hardly ever dine out. I cook mostly or just do takeouts. Unlike you, I have 2 children and 3 grandchildren I contribute monthly investments to. Because like you, I worked very hard prior retirement, lots of overtime financing my retirement goals, putting my 2 children into college with hardly any educational debts. Stupidly though, I own timeshares. Though they’re paid off I pay maintenance fee so I use them to at least compensate for the maintenance. The fees are doable. I’d like my 2 children to enjoy them.
Love your down to earth videos!
Hey, Mary!! Thanks so much:). We are so glad to have you coming along with us and staying in touch via the channel. See you very soon and can’t wait to catch up real-time!!!!
Well done with great ideas.
Hey again!! Thanks so much!! We feel really content with how things are working now that we are over two years in. Really appreciate your good words and that you come along with us!!:)
Great video. I really appreciate your share. We aren’t retiring “early” but following a very similar path. Downsized, pets gone😢, kids educated, hate driving, etc. and travels begin in September. We’re still going to follow along on your adventures though.
Hey, Erin!! Sounds like a great plan:). We really found over time our plan crystallized as we planned our retirement, and then we continue to learn and tweak things even more as we get more clarity from every trip. Really excited for you and know you’re going to love it!! As always, we are so happy to have you coming along with us:)
Another incredibly useful video. Thanks for sharing so much advice and so many tips. I was aware of many of these already but love to hear your additional details on how you apply them.
Hey!! Thanks so much, and so glad it was helpful!! Are you planning to retire soon? We're really loving it, and wish you all the best. Thanks for coming along with us!!:)
I move an X amount each month into my travel account. It is amazing how this account mounts up
Hey again!! We do the same thing. Keep it separate and use it how we choose without going into our regular operating accounts. It helps that interest rates are up, too! We moved ours to a high interest account and are getting over 5%, which adds up, too.
Just loved your vedio!
Thank you so much! Glad to have you coming along with us!
You give excellent advice. My partner of 39 years and I (now legally married) are very much mirroring your path. We early retired seven years ago at ages 55, and are now having a ball. Our financial planning/saving over the years allows us to travel how we want, when we want. Your best advice given is 'have a trusted financial planner'. Without the years of our solid financial planning, we would be sitting at home....broke.
Hey! Thanks for the comment and coming along with us! Congrats on working a successful plan in your life and retirement!:). It’s so important to get a plan early and stick to it. We are thankful for doing so. Congrats on 39 years, too!! Where have you guys been? What’s next? Thanks so much for coming along and love hearing from you!!!
@@dchiddengems We leave Sunday for a week in Cabo San Lucas. Next is a two-week Regent Seven Seas med cruise in May celebrating our 40th anniversary while onboard. Then Newport, RI this fall.
Can you refer him to me please ? I am looking to move to DC and want to have a financial adviser to safeguard me so thank you in advance...
Thanks for sharing these tips. Curious as to how you handle trip insurance - trip cancellation, trip interruption, and medical. With some of the Airbnb strict cancellation policies I find I can't do without it. The credit card (Chase for example) trip insurance is ok but its medical benefits are very skimpy. Thanks for any thoughts on this. John (also in the DC area)
Hey John!! Thanks for the good words and question. We have the Chase Reserve, but also GeoBlue from Blue Cross for medical. We've used it and really liked it. They also have an app that helps you identify local doctors, hospitals, etc. in their network. It is very reasonable, renews yearly, and we'd recommend it. Where in DC are you from? Thanks again!!:)
@@dchiddengems Thanks so much for the tip. My husband and I are over the DC-line not far from the MD/Forest Glen metro. I had to 'chuckle' at some of your travel tips as we do a lot of the same. We too check-out Google maps on places to stay before we commit (harder to do for Airbnb as they don't give you the address until you pay but we keep at it until we find the unit), have the same impression of Viking cruises (we've been on one - it was great - but we're good for a while but may use them again for challenging countries, e.g. internal China/Tibet), we plan our own trips and spend a lot of time in one area to experience the culture and to 'slow travel' - we just got back from a month in Iceland and we're doing Japan for 6 weeks this fall. Thanks again for all of the good info.
You both are well spoken. I know one of you is a Phd what was the other persons occupation?
Hey!! Thanks much for the good words. Chris is a clinical psychologist and Michael was a corporate business exec and then a Publisher. Glad you’re here!:)
is there a minium amount that you have to keep in your Charles Schwarb account to get the ATM fees back???
Hey! I believe you have to keep $100 in an investment account linked to the checking account. We really are pleased. Glad to have you coming along!
Please, who is your financial manager ?
Hey. Thanks for coming along with us! We’ve used Chevy Chase Trust for years, but there are many good ones out there, depending on what you need, your location, what you want in terms of service levels, etc. We think a big part of what’s important is the planning process and sticking to your plan. Now that we’re retired we are so happy for all those years of planning and executing the plan.
what age were both of you when your retired?
Hey! Chris retired in June ‘21 at 52 and Michael in September ‘21 on his 58th birthday:). We have never looked back, in spite of loving our careers. Something about getting into our 50s really drove home the value of time, especially for all we want to do. Are you planning? Thanks for the question:)
@@dchiddengems - I am retiring in 1 year at the age of 60. My wife and I have booked 3 cruises on Viking for this year with much more to come after that. We plan to see the world over the next 10 years and spend 4-6 months away from home once we are retired. You guys are an inspiration. Thanks.
What a great plan! Congrats and soak up every minute of it!! You’re going to love it, and also you’ll find tune passes quickly, so get out and live:). Let us know how you find Viking, and thanks again.
I retired at 59 and like you I saved for a year worth of expense. I travel a lot like you, but, mostly by cruising. I do Azamara and the other cruise ships. I don’t do Airbnb. I do hotels. I research the place I go to before embarking so I’ve learned about the blue dollar in Buenos Aires before I embarked on an Antarctica Exploration cruise with Hurtigruten ship. Like you, I’ve learned about this ATM hacks out there. If you’re with Chase, they have a private client debit card that gave me free foreign transaction fees and reimbursement on other fees incurred. I put notification for every transaction incurred so when I’m using it with foreign currency, I get the conversion amount right away which is a the current day conversion. Unlike you, I hardly hardly ever dine out. I cook mostly or just do takeouts. Unlike you, I have 2 children and 3 grandchildren I contribute monthly investments to. Because like you, I worked very hard prior retirement, lots of overtime financing my retirement goals, putting my 2 children into college with hardly any educational debts. Stupidly though, I own timeshares. Though they’re paid off I pay maintenance fee so I use them to at least compensate for the maintenance. The fees are doable. I’d like my 2 children to enjoy them.
Thanks for sharing your experience. It's inspiring to hear what other people do when they retire! It helps us and we are sure it will help others.