10 Mistakes We Avoided to Retire Before 40 - (Cautionary Warning For Those Pursuing F.I.R.E.)

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Our Rich Journey - 10 Mistakes We Avoided to Retire Before 40 - (Cautionary Warning For Those Pursuing F.I.R.E.): We reached financial independence and retired early (FIRE) in less than 10 years - before the age of 40! We share a lot about our FIRE journey and what we did to achieve FIRE, but this is the first video dedicated entirely to what NOT to do to achieve FIRE. More specifically, we have the top ten mistakes that you should steer clear from when you're pursuing FIRE. Want to avoid all the mistakes? - Make sure you check out our video!
▸▸▸Check out some of our other videos!
Money Toxic Friends That Will Destroy Your Finances - Here's How to Deal With Them!:
• Money Toxic Friends T...
How We Became Millionaires with Index Funds | Vanguard, Schwab, & Fidelity:
• How We Became Milliona...
ETF vs. Index Funds | Our Investments for Financial Independence (FIRE Investing):
• ETF vs. Index Funds | ...
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#FinancialFreedom #HowToRetireEarly #FinancialIndependenceRetireEarly

[@OurRichJourney]

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[@andrewsanders3874]

Not high earners (well I had a decent salary but not outrageous). We FIRED when I was 52 with about $1.6M. That was 7 years ago. Today we stand at around $4.2M. I didn't save hardly anything until I got serious at age 36.

[@mpatreece2726]

I was pleasantly surprised to have seen you all on Explained, Money on Netflix! 👏 I was like, "Hey, I know them (not personally, but still)! 😂

[@OurRichJourney]

So cool you saw us! It was a cool experience being a part of! :)

[@user-dn1rz7kq9z]

I am Japanese. Your video is really useful for learning FIRE and English. The way you talk really helps me to understand the contents. Thank you!

[@judithbuchanan9566]

Hi friends 👋🏽, I’m sitting here in the ER waiting to be discharged (I’m ok now), and was so happy as always to get my Sunday notification that your video was out. This was so informative! Thank you for making my Sundays so happy🤗.

[@OurRichJourney]

Oh no Judith!!!! SO glad to hear everything is ok now! Take care! Sending you a big virtual hug and well wishes!!!!❤️

[@judithbuchanan9566]

@@OurRichJourney thank you so much💖

[@ATimeToBe]

I would love to hear about FIRE for single parents. We don’t have a spouse’s income to help us invest and we, typically but not always, have more expenses than a single person due to the children. How do we side-hustle and not lose what non-working time we have with the kids?

[@lolomissa]

i would check out the channel Kate Kaden! She's a single parent and does a ton of content on saving, paying of debt, and now even more! she doesnt talk details in investing but she does provide a ton of motivation and may open up your mind to how you could do it too! 🙌🙌

[@vblake37]

I can't wait to take back my 40 plus hours

[@OurRichJourney]

And you will Mr. Jones! It will be a celebration!!!

[@daejonmoody3304]

Maaan!

[@choosetoshine2610]

Facts

[@fikaqq]

You can say that again!

[@missnlahi]

Yes!!! Let's encourage ourselves!!

[@DavidRamseyIII]

As someone who basically hit the lottery with a business very young, can absolutely confirm that reducing expenses are key. My income hit 750k a year and I still found a way to spend most of it

[@EG-iu4ok]

Is not what you make , is what you keep ! And money will work for you Not you work for the money Is very simple , i made around that money and retired at 59

[@mamirah5691]

Always good to see you, my favorite people to watch. I am a single 51 years old. I wish I knew you a long time ago. I hope it is not too late to try to achieve fire journey for the next 10 years. After listening to yiur all videos, I allocated my contribution from tsp life cycle to S&P 500, and put all my Roth IRA under the Total stock market index . I plan to keep them there until I have 2-3 years.before I retire. I also started putting money in my brokerage account which I have opened up years ago without putting money in it. Now i have been adding money to it monthly .

[@OurRichJourney]

Aww, thank you Mami! So glad you're enjoying the videos! ❤️

[@simplynoah4706]

What is total stock market index? Thanks!

[@amykayak5054]

You guys are really inspiring! I'm 21 and have begun tentative steps towards my F.I.R.E journey and opened an investment account. My contributions are small but consistent and will hopefully grow as I enter the job market. Keep on inspiring and well wishes for the future :)

[@inthemoneywithmr.darsten9575]

Consistency is key. Keep up the good work 💪.

[@karlaconnwelch]

@amy kayak Do you have a Roth IRA account? If you are investing take-home money in an investment account, a Roth IRA is great because the interest grows tax-free and is tax-free when you withdrawal. It has an annual limit for contributions, which is great for setting goals on your financial journey. It's a great first account for investing, until you can max out a 401k, maybe an HSA, and then an investment account that you pay taxes on the interest.

[@kprapha]

You have a bright future ahead of you. That's for sure!

[@areefaaraya]

I cannot stop watching your videos! I’ve learned so much!!! Thank you!

[@OurRichJourney]

Wow! Thank you so much Areefa!!!

[@juliehoward2618]

Your suggestion about finding the way to yes was the game changer for me. I retire June 30th thanks too finding a way to yes. I really really appreciate your videos and hold you in the highest regard.

[@SylvainNtwali]

Can you share your journey how you did it?

[@dianeosoba8981]

Fantastic video, as always! I started my FIRE journey 12 years ago (I didn’t know that was what it was called, just knew I wanted to retire early) and I’m retiring at the end of this year. I’ve been able to stay focused because my husband is on board with the plan and I have never cared what my friends and coworkers thought about it. If I listened to the naysayers and fear mongers I would have been scared to pull the plug on the cushy corporate job I currently have. Great video with 10 great pieces of advice!

[@damonreeves]

Been Fired Up since I found your Channel. Your 99 Knowledge I’ve passed on to my Adult kids. Your Positive Energy is the Driving force that is helping All that Follow your Lead. Appreciate you Guys. ✌🏽❤️ So Cal

[@OurRichJourney]

Thank you Damon! So happy to hear you're passing along the info to your kids!!!

[@2967_]

When you said "take back our 40 hours " it brought tears to my eyes. That's really why I want to achieve FIRE. I want my life.

[@sidandsof12]

Thanks for the Sunday pep talk. 💵

[@OurRichJourney]

Anytime!!!! Thanks for joining us for the Sunday pep talk!!! :)

[@billchivers8925]

You got back more than 40 hours! Travel time, getting ready time, worry time about work....you get it, but I think you guys knew this.

[@brianisleib7326]

You guys are an inspiration. Work hard, believe in yourself, be disciplined, focus, and execute over the long term. I love you both and what a beautiful family!!! All the best!

[@OurRichJourney]

Thank you Brian!!!! And you summed up everything so perfectly! Love your positivity!!!

[@monsemoreno5247]

My Sunday tradition! Love you guys!!

[@OurRichJourney]

Aww, thanks so much for making us a part of your Sundays!!!

[@irmafranke1012]

Love your videos. Please do more videos on how to withdrawal money once you achieve FIRE.

[@OurRichJourney]

Thank you!!!❤️

[@patricewilson4549]

Can you guys do a video about ways to combat student loan debt? I know you guys don't have loans but I watch you guys all the time but I don't know how to save/invest more money with all of this student loan debt.

[@jhessgirl]

Yall. I actually have a budget and I am drafting my financial plan. Debt avalanche/snowball to attack the debt to be debt-free by the end of 2023. I have a good idea of my FIRE number and I also have a positive net worth. It's higher than $1. Progress for me. Yeah. I thank you guys so much for taking the time to elaborate on so many excellent points. I am still in school so my plate is pretty full, but I plan on taking a FIRE class from yall one day. Learn from the experts yeah! And I am going to check out Portugal and Spain as well over in a few years as a retirement destination for my late 40's/early 50s. I am thankful and I am driven to surround myself with like-minded people. I also reaffirm that I am enough and that setbacks will occur to help me reassess and take inventory. Thank you, Amon and Christina. Yall have made such an impact on my life. Thank you.

[@marietaylor5174]

You two are gold! Thanks for the info.

[@OurRichJourney]

Thank you Marie!!!

[@1Phedre]

Very inspiring. A lovely and talented family!

[@mmeb7250]

"Find a way to yes" - love how you phrased that and agreed!

[@flowgema]

Hi guys, could you tell me if you have a video about pay taxes in the US when living abroad?

[@mmelisaa777]

Love your channel! I’m so glad I found it. I think I’ve watched almost all of your videos in the last week lol! I’m 22 years old and I had minimal knowledge of which retirement account to open or how to begin investing before finding your channel. You both explain everything very clearly and your advice is easy to follow. I’ve been self-employed since graduating from college last August and thanks to the both of you, I am confident in opening a SEP IRA, Roth IRA, and investing into ETFs to begin my FIRE journey. I will definitely be signing up for your Masterclass to acquire even more knowledge! Have you guys ever considered starting a podcast?

[@planetdee3587]

Another great tip for those who are young (like 20 or 22) and are just about to start your career job, stay at home with your parents and stack! It will make a difference.

[@CrustofCreation]

I would have never thought either of you explored over Uber as a side gig. I drove for them for a while. Can you do a video on your time with that gig? I bet you have some cool stories😆.

[@OurRichJourney]

Oh yes! We actually did it when Uber was new to the scene! It started in SF and we lived in Oakland. Uber was paying huge amounts at the time just for drivers to have their app open to accept drivers. Might make a good video . . . ;)

[@JourneyofFinance]

I discovered you and your family’s videos quite recently, but I just have to say that you both are such an inspiration! Thanks for taking us on the journey with you and providing much needed value in the personal finance space online 🙏🏽

[@bonitahill5239]

“A Cautionary Tale” one of my favorite phases.... so true.....Excellent Video.... Enjoyed this one a lot but I enjoy all your vids and blogs a lot 🤓 see you both next Sunday for another Inspirational Sunday 🤓

[@keta5914]

The start stop start stop animation was hilarious! 😂

[@dwalker6868]

Thank you have a wonderful day

[@OurRichJourney]

Hi there D Walker! Wishing you a wonderful day, too!

[@danelledautrievesanford]

I saw you both on Netflix. Well done 😊

[@v.a.l.5165]

The hardest thing for me is toxic money family.

[@suriamurthy4486]

Please give a summary at the end of your speech so that we will not forget

[@nerdbrainz]

I enjoy watching your channel grow. Always quality content with a well researched thought process. You guys deserve all the good you are getting! Your new house looks amazing by the way.

[@philelmo]

Great job guys! Though I’m personally not learning anything due to my financial background and independence, I think you’re helping many average Americans take control of their money. Investing is like a very deep rabbit hole for those newcomers. It should be a mandatory course in highschool.

[@OurRichJourney]

Well, thanks for watching anyways Philip! :)

[@djamburere]

Not just Americans... People from all over the world are being inspired and influenced by this amazing family. 💕 From an African immigrant in Portugal

[@evalinenyasende9477]

Very true am from kenya i have learned alot from you

[@BeanSprout222]

Hey Christina & Iman are you setting up or have you set up a Trust to protect yourself. Everything you are mentioning is great but that could be next to discuss or invite someone who can answer your questions that will relative to your audience. 👨‍👩‍👧‍👦🙏🏾🙏🏾🙏🏾

[@annhans3535]

I am sure they do. because one of the most important step is to set up things incase something happens.

[@blciffa]

Love the info you give!! Helps me know the next steps to take. Hoping to get to FI in 10 years or sooner following your steps. 💜

[@theluxuryvagabond]

Late to the video today but here's my take-aways: (sum of 5 people you hang with) I am good on this one, Christina + Amon + 3 others so I have a great team. (stay consistent) reminder that keeping my monthly budget, post salary decrease during covid, the same moving forward when the whole paycheck comes back to me is the right move. Save the rest because I have been living on less already. (break up the long-term goal) So this I NEED to do. It will go hand in hand with the (get on the same page) talk. We are on the same page but my spouse is (seeking unrealistic returns) to get there faster. I need to show how to bridge that gap with short term wins. (still have fun on the journey) thank you for supporting my continued travel hacking while I work and save. This was clearly the best take-away I got from the video. LOL I thank you....my spouse not so much.

[@jhessgirl]

amen. 40 hours you took back every single week. Thanks yall.

[@maachiiruudaa]

Love you guys! We’re having a meaningful FIRE journey, thanks to you!🤩💎💛

[@Ognahx]

Thank you for sharing your experiences.

[@OurRichJourney]

And than YOU for joining us on our journey!!!❤️

[@christianviruet6229]

Thx for all the information 😀

[@OurRichJourney]

Thanks Christian!!!

[@nursern3860]

This channel is amazing. I have learned so much from this platform

[@OurRichJourney]

❤️❤️❤️

[@pengep7792]

I love your videos!! I’m so greatful for you two sharing your journey with the world!! My dream is helping people to become prosperous in life and I learn so much more with you two by watching your videos!! I’m a Portuguese descendent and I want to retire in Portugal too!! I’m working on saving for retire and started investing towards my financial freedom! Even if I started a little late and made financial mistakes I know I can do it too! Many people inspired me you two inspired me so much! Thank you so much for all you do and much more success for you!! 💖🙏🏼🙏🏼🙏🏼

[@marwaelghamry7585]

We would like to see a videos about retirement plans..and how much can a family of 5 retire at ?

[@monicasoledad]

I have learned not to talk about certain things with certain people- great advice!

[@louism.4980]

Well done guys, thank you as always. Much love ✌🏾

[@OurRichJourney]

Thanks Louis!!!

[@georgesmartin1925]

Off topic so please forgive, but might you do a video about finding a long term rental in Portugal? Love you guys and tell everyone I know to take your advice!! Thanks so much for everything.

[@DrJessicaLouie]

Thank you for highlighting this advice on the way to F.I.R.E Christina and Amon!

[@OurRichJourney]

Hi there Dr. Jessica Louie! Thank you for watching!

[@joaoinacio2856]

Love your videos! Keep going. Nice video about Portugal

[@heartcomedy5]

Excellent content guys, great video 👍

[@OurRichJourney]

Glad you enjoyed it! Thank you!!!

[@JS-zs3zl]

I’ve loved following your family’s journey these past three years. Thanks so very much for inspiring me to save! Can you address how we go about donating to charities each year? I donate clothing and small amounts of cash, but I’m unclear about the best way to do this so that it benefits both charities and me on my taxes. Also, can you provide some additional guidance on steps to setting up a ROTH IRA without a broker? Should we consult a broker for these initial steps? I’m still a little unclear about this. Finally, should student loans be completely paid off before investing beyond 401K? Many thanks in advance!

[@godschild5189]

I am wondering if you ever considered moving to Africa? I never did until now. I am currently retired but raising a 7 year old. Not wealthy.

[@zz7844]

Thank you

[@OurRichJourney]

Thank YOU for watching and commenting!!!

[@kerrynight3271]

That forward flip on the trampoline is what is amazing me!

[@mmarquis6722]

Thanks as always for the great content. Be continually blessed!!!

[@OurRichJourney]

Thank you so much Mathrine!!!❤️

[@JetsetJose]

You guys are an inspiration! 🙏🏽 Being on the same page as your partner is a major key to moving forward on the FIRE journey.

[@annabellewood8887]

A new subscriber here 😊❤️. I love your channel. I’m 62 with the net worth of over $2million dollars before my husband’s death we travel the world. I’m a single mother, I have 4 (four) kids and I helped them occasionally with everything but funds for their academics each of them had to decide on how to pay for fees and that really helped me a lot and am happy 3 have advanced degrees and my 2nd works in the Tesla company living very fine with his family, but I eventually lost my 2nd daughter in a Fatal accident. All the same God knows the best.

[@rettat.8063]

Very helpful as always!

[@OurRichJourney]

Thank you Retta!

[@laniconcepcion9899]

Love your videos,best couple.so generous with your financial education

[@berg8970]

Another great video guys. I'm not really learning anything new but I do love listening to like minded individuals talk about investing, my favorite topic. Thanks again waiting on the next.

[@Brick_Squared]

Great content as always!

[@CBromfield]

When I suggest your videos I always talk about you two are a couple who are on the same page, in the same book, in the same library. Although it isn't the only reason for divorce, financial problems is a high on that list. As always very good tips.

[@joevelasquez2757]

Thank you for taking the time to make these videos. They have great value.

[@cynthiareynolds8090]

Wow! You guys are amazing. Just started investing in the stock market since February. I’m glad I found you guys before I made a ton of mistakes. I’m trying to build for retirement. Thank you!

[@pilot41186]

Woah!! I spend big money on living vacations an I AINT GONNA STOP! I also save 90% of my six figure income we have an income source that pays our living expenses and I work for fun

[@Polostar79]

Great video as always. Numbers 7 and 8 are so very, vert important.

[@meriemsaleh9720]

Starting my journey with my daughter thanks for for all info

[@NickOliveiraShorts]

any other 19 year old maxing out there roths and hsa accounts? let me know feels like im the only one out of my friend group with a 40 year vision

[@thelevelupcommunity]

You will be the only one at that age bro but I promise you you’ll be the only one laughing all the way to your houses in 20 years time 😊

[@tofutrader]

The number one excuse I hear from people not investing….”I have kids, you’ll understand when you have some” Brah half the world has kids…you telling me they all don’t invest?

[@moosedoggy1631]

I wanna attain FIRE but I still want to live in the US.

[@dodominimal]

Hi there! Is the stock market course recommended for non US residents?

[@vencebuchanan]

Great video thanks for sharing

[@kiito_s_World]

Wuuh that one partners very important. Partners need to be financially compatible to achieve FIRE

[@LJ-ev4hd]

You guys are awesome!

[@OurRichJourney]

Thank you LJ!!!❤️

[@nhando5063]

Hello, I was just watching your guys' ETF vs Index Fund video and my question is. What made you invest in Vanguard's VTSAX rather than Fidelity's FZROX index fund since there isn't a $3000 minimum. I'm still trying to decide which firm to open up my ROTH IRA in being still young. Thanks in advance.

[@berg8970]

Always look at the maintenance fees as well as holdings when comparing like items from different brokers, those fees even though they seem miniscule really add up over time.

[@elninosf]

if you worked full time and had a few side hustles as well, how did you balance your time and spend enough time with your beautiful daughters? I'm asking because I have a daughter and the only time I can find to spend on a side hustle is late at night. Thank you for the awesome content

[@sotonyehart1181]

I love watching your videos

[@OurRichJourney]

Thank you Sotonye!

[@moneymindfulmike3324]

Really great video, very motivating to see people like you, thank you for sharing!

[@danelledautrievesanford]

In addition to toxic money friends, add coworkers bringing their kid's school fundraiser things to work. This happened at one of my previous jobs on payday. I'm not coming to work to fund your kid's dream. Le-me' 'lone🤣🤣🤣😊

[@hopelove1595]

I know. Right? As if we're supposed to fund their fundraisers. A former supervisor did that to us and I, firmly, told her I wouldn't be contributing. I'm not going to be bullied into spending my hard-earned money. Geez. I'd rather invest my money. Spending adds up fast and I'd like to know I'm spending my money on people and things I feel good about. I won't be bullied. I wasn't rude just firm: No, thank you. I won't be contributing. I agree with you.👏👏👏

[@prepperminded5732]

You guys should come up with a study course for F.I.R.E., travel to select cities here in the U.S. and give courses with study materials. Like a 2 day weekend stint at certain hotel convention centers. I'm sure you guys will charge a respectable fee. I met my F.I.R.E. goal last February.

[@SA-wj6fg]

omg I thought about that idea renting out my home especially the pool area for parties 😊

[@makiastaples5183]

Thank you both for ALL the wonderful videos!! I have learned sooo much and am slowly but surely on my way to FIRE!! Couldn’t have done it without you!!♥️

[@akonidai]

Can you have a video of how you set up a trust fund and how you beneficiary and for the many generations to come receive it. Thank you in advance!!

[@brandongreen3306]

Talking to your partner about F.I.R.E is like talking English and French one don't understand the other. Lol I agree people have to be in sync with the other thought process.

[@traceyking7299]

Love your videos guys, love from London, England 🇬🇧❤

[@inea-fijourney22]

I love these tips!! Thank you so much for your videos!! You were the first channel I started watching. Began my journey on June 3, 2020 at -$55,7K Net Worth... Glad to say Im very very close to stage two... Should be able to hit it in July!! It makes me feel so much better, that I have pretty much address all this 10 mistakes!

[@iamactuallyover18]

Do top 10 mistakes you both personally made that would have allowed you to retire even faster!

[@tiagosoares8790]

I've seen the ETF/Index Funds related videos but I haven't understand one thing. Even with the compound interest, the value on fund grows, and etc, but how do you "cash out" your money out of broker? Say you had 100k invested for the long run, reached 500k and want to cash it out

[@karlaconnwelch]

@Tiago Ribeiro You wouldn't cash out all at once. You cash out your needs to support your lifestyle, as long as that is not over 4% of your portfolio for the year. I agree that a video on how FIRE people manage their withdrawals would be helpful. They talk so much about building the accounts, it would be good to also hear about withdrawaling funds to support their early retirement. For example, there must be tips on an order of operations of accounts they withdrawal from first vs last. Some accounts have rules, such as withdrawing penalty free after age 59.5. Others have different rules. The actual mechanics of withdrawing from a brokerage account is straight forward. Google "JL Collins Stocks - Part XXVI: Pulling the 4%." From your online brokerage account, you transfer money to your checking account or anywhere else you choose.

[@brittneyayers9565]

Great content, as always! I purchased your course. Question: is USRT still your main investment in your HSA, or have you changed your strategy?

[@johnduck2190]

Wow ! I just came across your videos and looking to learn more about stocks and investment I recently was blessed to purchase my first home so Iam limited how much or where to start .I been looking at M1 financial or robinhood what would you recommend seriously!

[@moneyandwealthconverstaion8550]

Took 40 hrs back. That's amazing!!!

[@nalininatarajan1001]

Without point 8 rest all will not fall in line.

[@womensfinancialempowerment8039]

Great video guys. I agree with everything you have said. I like that you mention financial literacy. As a financial coach, I promote financial literacy on a regular basis. I believe that without financial literacy you don’t really know what you’re doing so it doesn’t mean as much to you. If you just go along with what someone else tells you to do, you won’t see true success.

[@ninacoleen8926]

You two are awesome. I love following y’all! Thanks!

[@JGY-yv3qf]

Did you guys take a lump sum of investments to retire or you are getting paid monthly from dividends?

[@clarylizperalta9957]

Thank you!!!!