401(k) Accounts - How We Invested in Them To Achieve Financial Independence & Retire Early

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Our Rich Journey - 401(k) Accounts - How to Invest in Them For Financial Independence: If you’re not yet investing in your 401(k) . . . why not?! Our 401(k) was the first investment account that we prioritized when we were pursuing financial independence and early retirement. If you invest in it correctly, you can turn it into millions of dollars to live off of during retirement. So, in this video, we discuss all things 401(k)! We talk about the benefits of investing in a 401(k), the different types of investments you can make within your 401(k), and we even share what we invested in within our 401(k) and our 401(k) return. Thanks for watching!
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[@OurRichJourney]

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[@DividendGrowthInvesting]

Hands down the best FIRE channel out there!

[@OurRichJourney]

You are too kind! Thank you soooooo much!!!

[@QuesttoFIRE]

Dividend Growth Investing they absolutely are!🔥😅😅

[@curtisdunn6108]

@@calvindaniels1267 David Gresty Miroslav trades for me as well. met him a while back in 2016...

[@user-bm6wu9zw9m]

I also watch Ryan Scribner and Graham Stephan.

[@tigerrx7]

Not only the best FIRE channel, but one of THE best in teaching investing for normal people who are not employees in the financial world.

[@sherrybee7790]

Its amazing what financial literacy can do. 1 year ago i would not have been able to understand a word of what you guys were talking about. Investement in financial literacy is the best thing one could do for one's self. The ROI is infinite. Thank you ORJ. I tell everyone i know about your channel. 💘

[@OurRichJourney]

Wow! I love that you are learning more about investments!!! Isn't it amazing to think about all that you've learned over the past year?! Thanks for watching our videos and sharing our channel with others!!!

[@sherrybee7790]

@@OurRichJourney it really is amazing! Keep up the good work guys. I have watched several of your videos more than once. As i research more, your videos solidifes the info. Alanya Kholberg at Bottom Up Wealth was my lifeline. I purchased her courses and that sent me down a rabbit hole. You guys should collaborate maybe on a podcast. Keep up the good work.

[@htallii1069]

I’m on the same page. I was illiterate a year ago and much much better this year. Do you have any suggestions for books to read? I watch these guys and also read a couple of books (rich dad poor dad, I will teach you to be rich etc.). Want to learn more :) thanks

[@aljohnson3717]

You guys have reserved a special place in Heaven for what you’re doing, while sharing you wisdom and your experience with the random people in the wide world web! God Bless you and your great kiddos!

[@richp5064]

You missed one more exception to pulling money out of your 401k before 59.5. It's call the irs rule of 55. It simply states if you leave your job the year you turn 55 or beyond you can withdraw from your 401k penalty free. This is my plan 😎😎

[@OurRichJourney]

Thanks for adding that Rich!!! :)

[@Davidnprogress2]

The rule of 55 totally changed my retirement goal once I learned about it. Exciting to have that option very soon.

[@AvriSimas]

You guys are a true inspiration! We want to be like you guys one day

[@OurRichJourney]

That's so kind! Thank you - so glad you're feeling inspired!!!

[@SimpleeShana]

Watching this for a third time and something finally clicked! I’m changing my investments and getting out of the target date fund my employer selected for me. Thanks!

[@DCMetroGecko]

I spend hundreds of hours a year learning about investments - a hobby of mine... LOVE your vids as (1) they seem to align with all my research and values (I might suggest a video on the value of living "life" over being a slave to possessions), and (2) I seems to always leave watching your videos with an additional, valuable nugget of information! I still plan to visit Lisbon, again, this Autumn and hope we can share a cup of coffee together... Cheers and Bravo Kids! Henry

[@OurRichJourney]

Hi Henry- love that you're learning about investing and even better that you enjoy it as a hobby! Financial literacy is so important!

[@warko01]

Thanks guys.. watching this in Jan 2024..still very much relevant!!!

[@FlySistah]

We invest in Vanguard Total Stock Market Index Fund too. We have a 401K (no Vanguard options - 20% return in 2019), TSP (C and S funds), two ROTH IRA's (all VTSAX) and an HSA account (all VOO) and spread money around in all of them.

[@OurRichJourney]

You are full force with your investment account - FANTASTIC!!!

[@alexsteven.m6414]

It's recommended to save at least 15% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 15% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.

[@Naeema311]

One of the ultimate investments that you two have is each other! You both are awesome. Having a partner so very well aligned in terms of money management is the secret key 🔑

[@the_shadow_healer]

That part is the most underrated component of financial freedom. A partner with the same alignment.

[@tillie2221]

Why isn’t there a ❤️ button! This video was right on time. I’ve been struggling with how I should invest my 401k and this video confirmed a few of my thoughts on strategy!!

[@OurRichJourney]

Wow! So glad the timing worked! Thanks for watching!!!

[@tonysenter5000]

There are several option that are far better than the 401k and IRA to use for retirement and building wealth your employer and banker can’t offer you and won’t offer you.

[@jennyj2895]

This is the only fire Channel that is honest and trustworthy. . I bought the stock investing class. Guys I highly recommended it. You won’t regret it

[@mark8877]

I just got done watching their HSA video. These two are fantastic. Wish I could give them 1000 likes!

[@Raul619Meza]

I have a 401k through my employer. I have a nice amount in there right now. I took a portion of my 401k and put that money into company stock. I look forward to my returns 25-30 years from now.

[@OurRichJourney]

Let it grow and grow!!! :)

[@angelabarker8611]

Wonderful!!! You should do a video on your overall asset allocation for your IRA, 401k and brokerage account!!!!

[@OurRichJourney]

Great video idea! Thanks Angela!

[@ogo316]

I have a company sponsored Roth 401k and a regular 401k. I am contributing 17% this year in my Roth 401k..Last year I contributed 11%. All invested in long term growth markets. So far my portfolio looks good. I am also buying the company employee stock purchase plan . Goal to fire

[@OurRichJourney]

LOVE the goal!!! And congratulations on increasing your contributions this year!

[@dylantroisi]

My TSP was 30% for my last 12 months... glad to be up there with you all 😎

[@OurRichJourney]

LOVING the returns!!! Thanks for watching Dylan!

[@krisd1876]

Dylan Troisi I been investing in the L funds but I haven’t seen a big return.

[@dylantroisi]

@@krisd1876 I'm 100% C fund. The L funds are good as it auto adjusts your dispersements into different funds depending on how much time you have. I wanted to be as aggressive as possible and the C fund is that right now for me.

[@jwc56]

Hello, I enjoy your videos. They are very informative. There is one correct. If you are age 55 or over, you do have access to your funds without the 10% tax penalty provided that there is a separation from your job, i. e. retirement or lay-off.

[@OurRichJourney]

Thanks for the addition Wesley!

[@D-DPlayz]

Although IRS allows this, it does not necessarily mean that your company plan needs to comply with it. It is at your company's discretion. Some company plans will only allow you after your separation to take a full distribution or rollover. You have to check in your company's 401K plan if they allow partial distributions after age 55 and separated. Note that, if your plan allows it, but if you roll it over to an IRA, you lose this option and will need to wait until age 59 1/2.

[@claramassa3520]

I work in the financial industry and I have to agree with what you guys say, invest in your future should be priority number one. We should teach this stuff to all high school seniors, start the financial foundation.

[@josephc28]

One of the best advantages of a 401k is the company match. My employer matches dollar for dollar on up to 5% but that should add up over many years.

[@OurRichJourney]

Yes! If you look at the dollar for dollar match - it's like a guaranteed ROI! :)

[@kankerdoodleb9149]

As someone old enough to withdraw from my 40lk without penalty I still get value from your content...

[@OurRichJourney]

Aww, thank you so much!!! SO glad you're enjoying the videos!

[@girlgoneplaces]

I love that y'all provide info on money topics even if you don't personally use them. That is so important.

[@itrthho]

If you want less bonds in a Target Date fund, you can invest in a fund further out in retirement. Example: scheduled to retire in 2040 but invest in a 2070 fund. Personally, I’m not a fan of these funds, but one can tweek them for more stock exposure.

[@OurRichJourney]

Yes - that's another option - Thanks for adding to the conversation!

[@britneyhayes8725]

You all broke that down in 15 mins. I am impressed thank you for the great content as always !!!! You all stay blessed!!!!

[@seankmath2214]

I have TSP too. I should retire in 13 years. I wish they had KZbin back when I started, I've learned so much and changed thing around lately. Hope it continues to work for me.

[@kmot92]

Can you do a video of your allocation (and risk tolerance) over time? And your mindset in each stage? From early career before knowing about FIRE, once you knew about FIRE, and retirement?

[@OurRichJourney]

Thanks for the video suggestion Katia!

[@genxx2724]

I had a 32 percent gain in my 401(k) in 2019 and wasn’t aware of it! 💗

[@FourSeasons04]

Well done👍My tsp growth rate was 20.93%. Not as great as yours, but better than negative growth.😊

[@OurRichJourney]

And 20.93% is still a fantastic return! CONGRATULATIONS!!!

[@bonitahill5239]

Yes !!! 401k Avoid Target Date Funds the fees oh the fees !!! Excellent Information as always!!!😊

[@OurRichJourney]

Yes! We are not fans of the target date funds!

[@rltuniverse]

Dang I messed up I have two Target date funds

[@chrishorwege1433]

Excellent video. Anyone eligible to invest in a 401(k) or TSP should watch this video.

[@OurRichJourney]

Thank you so much Chris!

[@stemikger]

You two have such a positive outlook and I get a lift every time I watch your videos!!

[@jamesspitzercashout]

Thank you!!! I was wondering if you were going to comeback with a 401k video. I utilized all your previous info you have given, and made choices that you would most likely agree with. So today, wife and I are enjoying Lattĕs and saying hello to you over there in Portugal !! Great seeing you again

[@OurRichJourney]

Hey there James! Happy Sunday!!! :) Enjoy those lattes!!! Hehe!

[@aldenstallworth5504]

I know this don't have nothing to do with the video and y'all doing a great job, but I am so glad to see black love and two people working it out. Keep staying strong my sister and brother.

[@realfriendsunlimitedpodcas3140]

You both are great teachers , I love this channel . The first time I feel like I understand. I am going to look at my 401 k plan todayv

[@balckfox5]

Thank you for dropping gems and blessing us with your wisdom!

[@OurRichJourney]

Thanks for listening!

[@stacyjohnson7395]

I did EXACTLY THIS and I’m on my way to MULTIMILLIONS👌🏾❤️🙏🏾 But I did Target Date Funds & S&P-500😊

[@PSAdventures]

Great video, thanks! Another thing to keep in mind about 401k employer match is that there is often a number of years you have to work there before you are "vested" and can actually retain that matched employer money. If you leave the company before the vested time period, or if you are let go, you will not get the employer match. That's why we don't consider employer match to be a very good reason to go work for a company. It's a good benefit, but not a guarantee.

[@OurRichJourney]

Great addition to the conversation - thanks for adding the comment!

[@t.caskets9893]

Great video . I got out of a tdf 2050 and went into an s&p 500 thats it in my 401k .

[@rbkrishnasarma]

Hi- granted all 401k companies and plans are! I am single with no debt, just maxed out my contributions! Should I just solely go simply and invest in purely the S&P 500 in my current situation. Please let me know

[@dawan301]

Thanks for explaining the TSP terms. We have better understanding of the different funds. #FIRE

[@OurRichJourney]

That's wonderful! So happy to hear the video was useful!

[@caterdays2852]

You guys are awesome. Thank you for explaining things to us newbies very clearly.

[@aaronc4724]

I work for walmart we have a Roth 401k plan. I plan to work until 60 years old.

[@danielafonso774]

We are changing our lives around now that we have been following your story. Thank you for the change in prospective.

[@Mellissaruizpa]

Heyooooo TSP! I contribute too as AD AF. Finally upped my contributions to max out. Took me a couple of years to be comfortable with this but happy I made the decision.

[@OurRichJourney]

Congratulations! Maxing out your TSP is fantastic!

[@Mellissaruizpa]

@@OurRichJourney I owe it to you guys. I never considered retiring early. Although if all goes as planned I'm set for retirement at 38, I never considered it being actually possible to retire before then. Thank you for all the knowledge you bestow on us! 😁 Much love.

[@thedoubleboiler6971]

Thank you for this and I just took a deeper dive into our 401k and did a review. We agree with everything you have said here. We were paying 0.15% in fees and seeing far less growth than the .04% fee in Index you have listed here. We are really working to max out everything that we can.

[@tigerrx7]

I agree! For now I am staying away from Bonds. All my contributions right now are going into equities, and I am happy with the gains. #MarketMarchMadness

[@OurRichJourney]

Haha! Love the hashtag!!! :)

[@lunulata]

Would you max out your pre-tax 401k before putting money in ROTH? or do 50/50%?

[@mjj798]

Hi guys I love your channel. Your workbook was very helpful too. I was hoping you could make a video on how you protect your assets when you achieve fire. (ie trust, wills?)

[@OurRichJourney]

Hi Matt - glad you're enjoying the videos! And thanks for the video suggestion!

[@termita358]

The S&P is the way to go. All the S&P companies are already international companies.

[@boobae3520]

Hellooo, I am learning so much from you both. I am so very ready to begin my journey...better late than never. I will be investing in the FIRE Workbook and 30 day makeover 💰 challenge 👏👏👏yaaay me!!!

[@PhyschoDaDon]

What I got from this video is don’t invest in target funds in employer sponsored retirement plans and get the retirement match

[@misspimake]

Our job offers ROTH TSP. We contribute just in the traditional 401k TSP right now. What are your thoughts about contributing 15% just in the ROTH TSP?

[@mackymac5754]

Hello, my 401k used to have only 1 retirement fund VTIVX but then later I decided to have 2 more funds VWELX & VWETX and transferred some of the amount from VTIVX to the other 2 funds, how can I transfer the amount back to my original retirement fund and just have 1 fund again and remove the other 2 funds?

[@Spopa4791]

I only have the option to invest In a low, moderate, or high risk plan

[@augustine1498]

I love your videos...I am 74 years I have a 401k and I am investing aggressively with it and its a lot of fun. I have other accounts invested with money manager. But now I am very worried about the economy any suggestions on the companies recession proof?

[@kyleLyfe2]

Thanks for all you guys do!

[@OurRichJourney]

You're very kind! Thanks for watching Brannden!!!

[@nallissful]

What do prefer? to pay tax now and not when withdraw your money from the 401k?

[@sionv2009]

One of my favourite funds is Vanguard Lifestrategy 100%. It consists of index funds and I think it's very well diversified worldwide. 0% allocation to bond funds. What do you think of it?

[@OurRichJourney]

Thanks for sharing! We haven't looked into it!

[@matthewou]

Is that only a UK fund? I can’t find any info in the US. It’s not on their main LifeStrategy page, maxes out with the “growth” option at 80/20.

[@sionv2009]

@@matthewou it might be as I'm UK based.

[@monimarbel8450]

Excellent video. Thanks for sharing your knowledge.

[@GloryInvestingShow]

smash like button for this couple!!!

[@OurRichJourney]

You are too kind AND way too AWESOME! Hehe! Thank you so much!!!

[@jaydubya9265]

As always, great content delivered flawlessly! Thank you!

[@OurRichJourney]

Aww, thanks Jay!!!

[@FalconWing1813]

I only have a 401k from my employer, and dont put money in any other account. Should I put all in just the 500 index or split it to the other index funds? (international, 500 , etc) My 401k is with fidelity. Thanks for your help!

[@watchmesave4912]

Open a Roth IRA and max it out

[@elsbethtascioni7144]

Thanks for sharing this advice, truly appreciate the honesty.😊

[@tiffanyhunter8537]

love you you both explain everything. you are imparting knowledge. keep on! I'm here for it!

[@cjbean303]

I'd like to see a video on the ins and outs of borrowing from a 401k. How do you pay it back? How does it affect the account? etc.

[@OurRichJourney]

Thanks for the video suggestion!

[@ginalowe9103]

You can pay it back from your paycheck over up to 10 years.

[@ginalowe9103]

@@OurRichJourney I did that to buy my first apartment building.

[@mecheckraise]

Congrats. The NASDAQ is up over 30% in the last year. My return in 2019 was 120.34%. My return in 2020 so far is 18.52%. Check out TECL which is 3x the XLK which is technology. The return has been fantastic. Stay aggressive. See the 1,5,10 year charts. Roll over your 401k to an IRA as soon as you quit to save the fees. Most brokerage accounts have no fees now.

[@OurRichJourney]

Thanks for watching!

[@mecheckraise]

@@OurRichJourney you are a cute couple living life like you want. Good for you. I am a recent millionaire working rapidly to two. I enjoy seeing others successes. Enjoy this super bull market!!!

[@maryalex092761]

So excited with each new video that you produce. I am going to Porto next week to check out ER there. I know you all are in Lisbon or I'd come knocking at your door. I am one of your disciples and for good reason.

[@OurRichJourney]

Haha! Thanks Mary! Enjoy Porto!!!

[@maryalex092761]

@@OurRichJourney can you pls tell me why you choose Lisbon over Porto? Porto, from what I read, is cheaper than Lisbon. Both cities also though, just did away with the Golden Residence Permit programme...

[@sofianeves378]

amazing video, but is this only for Americans that invest?

[@markovannash7129]

Thank you for making this video!

[@OurRichJourney]

Thank you for watching Markovan!

[@KevinConwayChannel]

Love the transparency!!! $$$$$$$$$

[@OurRichJourney]

Thanks Kevin!

[@ivan4479]

So articulate and easy to understand. Thanks for this!

[@NeymarJr-uj1wf]

Right now, I have 401k with Vanguard 2060 Target Date. I realized that it has a little bit higher expense ratio and also I am 26 y.o. I think I can be more aggressive. I want to change my current fund to other index funds. If I sell my current fund and buy a new fund will have to pay taxes and penalty in the next year's tax report?

[@edithwaithira9967]

Thank you for this video.

[@stacyjohnson7395]

Thank you great content. I’m a new subscriber and this is what I needed.

[@OurRichJourney]

Welcome aboard! Thanks for subscribing!!!

[@porkchop3989]

Planning to join the Military to serve my country, and that sweet sweet TSP 😍

[@OurRichJourney]

We LOVED Spain and Japan - Maybe you'll get stationed there!!! :)

[@AparnaJain1]

How do your taxes work? Since you’re invested in USA funds like VTSAX etc, how are you able to maintain your portfolio when residing abroad? When I checked with Vanguard, they mentioned they would freeze the accounts in that you can’t buy more but can draw from your investments. Any answers will be quite helpful, thanks!

[@OurRichJourney]

Everyone's tax situation is different, but you should definitely research your unique situation if you decide to move abroad. Thanks for watching!

[@user-yg2nu7zc4c]

Log in with a VPN that shows your IP as being in the US. The broker can see where you are logging in from and can request proof of your current address.

[@queenwifemomdaughter2970]

Wow I bet your old employers are really missing you both! You guys are 🌟 🌟

[@OurRichJourney]

You are sooooo sweet! Thank you so much!

[@mr.dividend.investor]

Awesome video, always great to watch you guys and learn from u.

[@OurRichJourney]

So kind! Thank you so much! So glad you like the video!

[@damn68]

Hallelujah, I am doing s&p 500 index fund aggressive. So far this year is rocky. But I am ok with it. I have patience. Thanks

[@OurRichJourney]

Patience - such a great trait with investing! :)

[@IreneSidede]

Any videos on a Personal Retirement portfolio... so a 401k or Roth IRA that is not connected to any employer?

[@tracibarnett2058]

Thanks for this video that addresses the TSP.

[@OurRichJourney]

Yes! We're happy we could address it! :)

[@saurabhsharma4200]

Another great video. I am sharing it with my friends.

[@OurRichJourney]

Awesome! Thanks so much Saurabh!

[@lilflexlewis5802]

New subscriber, all i have to say is wow.. really awesome video, love the chemistry between you both and I'm always searching for more knowledge. Thank you and I'm sub 4 life!

[@JenyonceN]

This just what I needed!!!!!!!!! Thank you so so much!!

[@OurRichJourney]

Wow! Great timing! :)

[@PauliEphresh]

For my TSP, Ive been doing 20% and I’m 100S. I’m also 23 have a Roth IRA with Vanguard and a brokerage account to buy stocks so too much of my money doesn’t sit in savings, just enough to buy real estate. I’m personally not sure if I want to do FIRE but I invest like I do 😂

[@virgiliovelasco4948]

what is better a 401k or 403b ? thanks guys, very interesting information. I work for a University and I have a 403b.

[@jasonj5846]

Thank you for sharing. Ive been learning a lot from your channel.

[@wiskin88]

Thoughts on investing in both a Roth 401k and Roth IRA?

[@nooshka]

You guys are seriously such angles. Thank you always :)

[@dainercindyvillalobos5557]

Great video guys! But what about the 401k Roth option? What are your thoughts on that?

[@bobbyareias2089]

Can you do a portfolio of your Roth IRA? They would help me out and others a lot

[@soheylanoghrehkar4384]

If I have a $1000 to start investing where should I invest it in and which brokerage account?

[@bschil1]

Very motivational video! an informative Thank You for sharing.

[@OurRichJourney]

Thank you! SO happy you're feeling motivated!!! Happy journey to FIRE!!!

[@AzurinManagement]

so. which one is the one you invest in?

[@JustFrugalMe]

Great information! Investing ensures present and future long-term financial security.

[@OurRichJourney]

Well said!!! :) Thanks for watching!

[@rm7399]

Hi - I absolutely love your comment and basically tell strangers in the supermarket they need to follow you ! Question- I have a work based 401k ( non-matched) that I’m not able to max out, I contribute to HSA and I invest in TD/Robinhood - my own stock picks. I KNOW I’m allll over the place. What should I concentrate on first if I can’t max out my 401k due to bills etc. ?

[@stevenshehabi1868]

Do you have a new video for the new year 2023?

[@joklump]

Can you help me understand? If you both nearly maxed out your 401K last year AND you retired by accessing dividends. Because you can't access your 401k in early retirement, does this mean that you contributed similar amounts of month to other investment accounts to ensure early retirement?