Heyy sorry I must have missed the comment. I'll do my best to answer the question, though a lot of time the answer is not as linear as we would hope. So before we can come to the answer there are few factors that you have to keep in mind, such as: - How much risk can you stomach (like if it went the wrong way are you able to stomach large drop in your investment and a huge set back?) - How long of a runway do you have? Like are you planning to achieve this in 2 years? 5 years 15 years? - How much are you starting with and what are your resources that you can pull to achieve the goal? Unfortunately, there are no one size fit all answer to achieving this goal. Everyone situation, how the goal might look like ,etc. is different. Those who claim to have a absolute solution is either delusional, or trying to sell or something or sponsored by someone. I'm not trying to give you a no answer answer, but this is the reality of this path. However, one thing that I think is absolutely crucial is to keep learning and just start investing. And by investing I'm not talking about gambling on meme crypto or options. Without knowing more context of your situation, I personally would set up a fund that you are alright not touching and let it grow (while contributing as much as you can). This fund can start with low fee index based ETF like VOO, QQQ (if you are in the US). This will be a good start while you learn more and slowly expand to other funds that might fit your goal as you know more. Hope this helps

@@sanhtytraymany2651 not quite at the moment. We are using a mix of fixed income, dividends, and covered call etf. The withdrawal rate overall is probably a bit over 4%

😂 will keep that in mind for next time

Heyy thank you for sticking around haha. Thailand is a great option for sure! But I think it's about having options, so you aren't limit to just living in SEA. Good luck on your journey!

Most of the funds I own are tracking US index of sort. Did you mean a fund that track individual stocks? I do own a small portion that tracks Nvidia, but it's small.

@@yuriyzenda5857 I think you are referring to Thai massage. The one we got is a bit different. if we switch to Thai massage it would probably go down by that much or if we switch place it might go down by up 25% but we just had some bad experiences. But thank you! There's a lot of places we wouldn't dare step foot in due to crazy prices haha

@@Onemadtony to each his own. Some people get a $30 hotel in Thailand and have an amazing experience. And some people go to Nice and get a $300 hotel in the French Riviera to have an amazing experience. To each his own.

hey thanks! Yea it's all about balance and find your own happiness. Glad you guys took the leap and it worked out for you :)

@@Sita-Yim hi! Currently we invested in a mix of income (cc wtf, dividends), growth focused (sp500 passive index) and fixed income. It might be long to type it out in the comment but I can make a video breaking it down more. For Bitcoin wise, I like it but we have very little of it (less than 1% of total). In the end I still look at it as a speculative assets. I tried to view the whole investment as a business and it doesn't fit with the idea. If I were to have some I would personally keep it at under 7%.

Hello! Thank you so much! It would be a long one to answer but I'll try haha Budgeting in retirement wise we tried to break down to essential vs non-essential. The ratio of this to cashflow is the key I think. If it's 100 essential then you have no room for flexibility but if it's let say 50/50 you have a lot of room to be flexible with your budget. And now we can see and work that into how much cashflow we have coming in. Now cashflow, this is definitely going to come down to how much risk you are willing to take. The lower cashflow % is the less risk. I don't think I can fit it all into a comment reply but I'll try to put together and make a vid on it

Haha do it if you like it, if it's for money I don't think I'll make it 😂

Hi thank you so much! There's no absolute way of doing it, and slow and steady is definitely one of the way to go! I still have connections with them though we only see them once in a while 😔

we ought to run into each other at some point haha! also thats an amazing feat! Hopefully the house price appreciated nicely !

​@@Onemadtony hahaha we'll be in terminal 21 asok tomorrow for dinner. Maybe we can meet up if you guys are free

​@@Onemadtony hahaha we'll be in terminal 21 asok tomorrow for dinner. Maybe we can meet up if you guys are free

@@ezEricZhang maybe after mid jan, we are heading out of town on monday. Got to pack tmr haha

@@Roger_Rademakers_1971 true that haha maybe not a year though 😂

@@SNOWMAN44468 thank you! Congrats on your retirement! 😁

@@thojiro oh shoot I didn't even know this exist! Is it for aroma therapy as well? We tried the Thai massage but didn't like it as much

@ not sure. You can ask them. I think they have a separate promotion for aroma. They may popup on their FB or Line.

@thojiro I will, thank you!

Thank you! 😊

Absolutely, 💯

nah you got the wrong person 😂😂

thanks haha

@sd6458 yea, there's are for sure a lot of cheaper ones 😅

Thai here. Health Land is a bit upscale but standard is very high and the place is super clean. You hardly will get a “bad” massager there. I usually have a local massage places near where I live as well in case I don’t wanna drive to Health Land. They charged about 400-500 per two hours of Thai massage. You gotta walk around your area (or read from Google reviews) try them out. If you find a good massager you like, write his/her name down. Next time, you call and book his/her name before you go and you are set. Tell them beforehand if you want “nuad nak nak” (hard massage) so they can give you a person who can do that if she/he is available.

Thank you! Congratulation on your retirement as well!!

Thank you!

@@RobinNatural1 idk if I'm qualify to give good advice on best area. I can only speak from my experience but generally the further you go out even if it's close to bts it gets cheaper. Generally I like to stay a bit closer to the city. We tried staying in a few places but so far we like Rama 9 area the most from price to convenience perspective :)

Hello thank you so much! I think we can always look back and see what we could have done, but in the end it is how you look forward and makes the best of your present and future. 😊

That's a good budget with a lot of room to explore I think. Western food definitely cost premium here

@@ezEricZhang thanks! Haha yea I was born in Thailand but moved to Canada when I was in highschool

Yea your money just goes so much further here 🥹

@@ezEricZhang heyyy haha thank you for sticking around! We are actually super close to petchaburi haha we near rama9 atm

@Onemadtony we're renting our place here for a year. Hoping to stay longer with DTV. Maybe I'll see you around! 😉

@@ezEricZhang that's great! Hope you guys get it! I'm looking to get dtv for my wife as well, but I think we have to apply from outside the country. Are you working here?

@Onemadtony oh haha we already got it in Canada before coming here. I meant I hope we can stay longer after the 1 year lease, depending on different circumstances. I do work in the evenings online. Its pretty chill here 😎

@ezEricZhang amazing! Glad to hear haha. Bangkok seems like a permanent renters market. I'm sure you can strike a deal with the landlord!

Thank you for the comment! Yes we love Khao SOI, wish it's a bit closer to where we live 😞

Hi thank you haha. We are in our mid-late 30s. I think a lot of it has to do with compromise and making sacrifices early on, combining it with some luck. Also its not crazy fancy life, but its enough for a modest one. Also worse come to worse you can always get another job, but we only have one life!

@ Man! U are 100% right! We only have 1 life!! We can never get our precious time back!! You guys look younger than mid to late 30s! Asians doesn’t really get old fast! U guys are still young and live it up!! 40s is still young also! U guys are starting early and I wish u the best!!!!! I will subscribe and will be watching your journey!

Thank you for that 😂

@@LivingTheDream21 I used to work in higher end retail sales, Linda used to work as an admin in hospital. I think it's a combination of aggressive saving and some luck in the bull market the past few years.

@@Onemadtony What is your net-worth when you decide to retire early?

@@TempehGoreng idk If i should share the amount, but we were a bit more on the dividend focused side. The distribution and dividends were enough to covered our living expense with some flexibility when we decided to pull the plug. Hope this helps!