Retired at 36: Your Questions, New "Enough is Enough" Videos

[@Soxandnicole]

What helped me tremendously to change my bad money habits is the simple motto: Take care of your pennies and the dollars will take care of themselves. It takes it down to the many decisions you have to make in a day. Making a budget wasn't working for me but making the right decision several times a day did. I reached my 'enough' and I'm happily retired.

[@shannone6613]

I loved this series, would love an update video on your thoughts on Financial Independence in today’s economy.

[@markbernier8434]

Please do a segment on after enough. You have enough, you stop, you go sailing, the habits and nest egg continue to grow. Now enough is easy, life is finite, what is after enough?

[@flowergrowersmith449]

Excellent - enjoyed that. Looking forward to this series..

[@Dave51262]

This is great news! Loved your first video on "Enough". Looked around and not many other people talking about being at a point where you realize you don't need anything "more". Really look forward to what you share next. Thanks so much.

[@Clarks-Adventure]

Thanks for commenting, Dave. You are welcome.

[@moniquemedleycommercialpro2112]

Awesome! Very much looking forward to your upcoming vids. ⛵️

[@MarcelDV]

I am working towards being financially independent for some years now. But in 2017 I had to quit my job to take a year off because I had a burnout. Didn't know at the time it was a burnout. I knew I had more then enough money to get by for a year, or even a few. So I just did it. Last few months I started working again at a temp job. And now I am searching for a 32 hours/week job. But if I want to I can get by with only working 24 hours a week. Which is awesome. I thought about it and decided I will do 32 hours/week for at least a while to save and invest some more money. I am in my 30s now and it's a great feeling knowing that I have so much more freedom now. I hopefully don't really need a normal job anymore before I am 40. :D But if not, having the option to work less hours or take a year off once in a while is already great! :)

[@Clarks-Adventure]

Hope you join a local group (or start one). Share your story.

[@jazzyj2243]

Definitely looking forward to seeing and gleaning from these videos. Thank you!

[@CraftingandRelaxing]

I love that you live on a boat and have fun. It helps people see what is possible! Someday I’ll be showing people what it’s like to just live of a life of crafting and relaxing without a day job because I was frugal. 🤗

[@Overactiveeyeball]

Looking forward to the series. Excited to learn!

[@Clarks-Adventure]

The next is the "opening a brokerage account" video. I just made a deal with my broker to give everyone signing up through that video $100, free money, if they invest $1000 to open the account. 10% on investment in no time with no risk.

[@dali1384]

I realized that I was hanging out with the wrong people who absolutely do not fit into my life goals. Thank you for sharing your valuable experience and creating a community, this is awesome!

[@panchocolladetti2469]

Greetings! Your timing on this just couldn’t be better for me~ (it’s actually kinda spooky) Will be keenly looking forward to these video discussions & also becoming involved with the resultant community. Thanks so much from me in beautiful Hervey Bay Australia!! (will actually turn notifications on for your channel… a very, very rare thing for me), ciao, Pancho.

[@Nerd3927]

I choose for Enough and some faith. Enough to never work again and sustain a nice costly hobby might be a lot. I am happy to run out of money eventually. No one lives forever. The figure I went for is not having to work for at least 5 years. But there are many things I love doing that others will pay me for. I find work the most successful path to a meaningful life. As long as it is on my therms and without stress. I have faith I can do this for quite some time. 5 years of certified freedom is more than most people can hope for.

[@Clarks-Adventure]

Good plan When you can do, and enjoy doing, useful things it's sometimes hard to not have an income. When you find you have the free time to just help people out and do something they value, they often insist on paying you. Your 5 years might extend into 10

[@anla9071]

Appreciate very much 🙏🏻👍🏻

[@Clarks-Adventure]

You're welcome

[@MTrancher]

Really looking forward to this. Especially the Doing It section. I have my enough. I just can't let go and do it! I am always creating another reason to stay just a little bit longer. Who would of thought that would be a problem!

[@michellem6219]

My husband did this too! He left his job and worked part time, had a bit of a panic about money and went back to fulltime work. He has been so stressed in his new job that he's finally admitted we have enough(we do, and we did before he went back to work. Lol) and he can stop working. His last day of work is tomorrow.😊 I hope you get to the point where you really believe your enough is enough and you let go.☺

[@Clarks-Adventure]

Congratulations to you and your husband. I've been there, it's scary to stop.

[@svamandolin3546]

Brilliant. When reading about how much is enough for retirement or putting your kids through college, the financial companies have similar formulas that are insane. My number is defined. My mother after working all her life and raising 3 kids solo is happy as a clam in Florida on $1800 per month, stays with us or my sister for a month or two at a time. Know other people in the grind chasing a number that may never happen.

[@Clarks-Adventure]

Achievable is important

[@MsSesa11]

Thank you Emily and Clark. I find your "Enough is Enough" videos very informative and enjoyable.

[@Jhampa108]

wonderful thank you look forward to the series

[@Clarks-Adventure]

You're welcome, Karma

[@raltgaither]

Great video.

[@Clarks-Adventure]

Thanks Ralt

[@Tony.B.]

Good to see you're actually trying to gather a community and get to work with what's been suggested. I look forward to it! Maybe I'll get hooked on the sailing stuff too, who knows... I must admit I have been curious about it.

[@Clarks-Adventure]

Thanks Tony, hope you filled out the survey.

[@Tony.B.]

Just finished with it!

[@Clarks-Adventure]

We see you Tony. My ex was Belgian. I miss the food there.

[@richardf3849]

Great follow-up video! Thanks for launching out in this direction. I'm encouraged by your success and am in an 8 year countdown to my own launch from the routine. My wife and I are taking sailing classes in May/June and are hoping for a 2027 sail into the sunset. Hope to see you there! Meanwhile, I'm looking forward to your videos on both the Enough is Enough series and the sailing. Take care and thanks!

[@Clarks-Adventure]

Thank you Richard for your kind words and for becoming a patron. We hope to see you out here one day soon. It's really a small community among us cruisers.

[@eightsprites]

what you offer is hope! something to strive for. sailing might not be my primary goal, but seeing you doing your dream today, pushes me to do mine in the future.

[@Clarks-Adventure]

Thanks YoDo. Best of luck to you in whatever you decide is enough.

[@Feyen00rder]

I love your video's, thank you very much

[@Clarks-Adventure]

Thanks Jimmy. Would you consider sharing our playlist on social media? Your friends might also love them and I know that we would really appreciate the new viewers.

[@captainfish7236]

Becoming one of my fav channels

[@Clarks-Adventure]

So nice of you to say Captain

[@onezerotwofour184]

I could learn a lot by actually realizing when enough is enough because I'm one of those stressed out types that tends to work myself sick for no good reason. I hope to consider different ways. Much respect to you for your path of intentional living.

[@michellem6219]

I hope you find your enough.

[@onezerotwofour184]

Michelle M Thank you

[@MrNickstevenson63]

Brilliant ! Thank you for sharing! Your on your way to giving back on a grand scale! .Looking forward to the upcoming series. Please be cognisant of the have not group and speak to that level. The haves are viewing for pure entertainment. Imagine filling an auditorium with 220k+ eager ears and eyes focused on what you are sharing! Fantastic oportunity!

[@Clarks-Adventure]

I just made a deal with Schwab. People using a code in the next video will get $100 free when they open a new account with $1000 in it. I get nothing by the way just a gift of $100 to a bunch of viewers.

[@RickCT2000]

what a great idea!

[@Clarks-Adventure]

Thanks

[@fruitspeace6204]

Looking forward to it mate. Thanks

[@allexbratson]

Thank Clark for sharing wisdom around freely. Good on you mate.

[@brianb572]

"Enough is enough" all sounds great. But how do you plan for/pay for health care, unexpected catastrophes, etc. sometimes life just gets messy.

[@Clarks-Adventure]

Coming in future videos.

[@Geraldinslo]

Found your channel recently and really enjoy it. Look forward to all future videos from you! Good positive stuff, Good luck and thank you!

[@Clarks-Adventure]

You're welcome Gerald

[@luisrolonluna2881]

Thank you for doing the follow-up video!

[@Clarks-Adventure]

You're welcome Luis, more to come

[@grantbartel]

Thanks for doing this Clark! I can't wait to see more.

[@Clarks-Adventure]

You're welcome Grant

[@gregmcbeth8585]

Looking forward to this, thanks for sharing

[@Clarks-Adventure]

You're welcome Greg

[@MicahBuzanANIMATION]

Looking forward to this.

[@eric170B]

I'm very interested in this series. Thanks for sharing :)

[@Clarks-Adventure]

You're welcome, Eric

[@Horsemaninwash]

Glad I saw the first video, and yes I will stay tuned. My glitch...I turn 70 this year, seems like I'm a little late.

[@Clarks-Adventure]

Still, a sense of community with like minded people is valuable.

[@SimpleYev]

Thank you so much for your effort, looking forward to your teachings! Love you both!

[@Clarks-Adventure]

Thanks

[@crknite1903]

Thank you for your generosity in your original video - and what you are doing now. Awesome stuff.

[@ernieg1687]

Great Video, Clark. I'm really interested in this series

[@cgreglenfound8421]

Great Video

[@Clarks-Adventure]

Thanks

[@garygerard4290]

at a minute and a half into this video I beg to differ about: I am no expert & you're a fool to only listen to me you know more than the top 10 finance idiots in Washington and at least half the self professed wise-men of Utube It's pleasant to find someone I agree with financially that also happens to have a cool boat/hobby keep it up

[@bwwalls1]

What a well phrased series of compliments.

[@jasonp.6470]

Great idea! I'll look forward to your videos! Thanks :)

[@Clarks-Adventure]

You're welcome, Jason

[@Neonravekid]

Clark, you seem like a real sweetheart. Thanks for the insightful info. Hope you and Emily are still doing well. :)

[@alexbright7735]

I took some wisdom from that last video . Love your experience about being FI.

[@Clarks-Adventure]

Thanks Alex. I just finished negotiations with Charles Schwab, the next video will have a code that gives a free $100 to my subscribers who open a new account and put a thousand in.

[@MariaFlores-dc2uu]

I love your channel ⛵

[@Clarks-Adventure]

Thanks Maria. So nice of you to say.

[@TrailBlazer5280]

Can’t wait to see these videos

[@MikeSantis]

Great idea Clark. Looking forward!

[@wadejameson6168]

Fantastic! I’ll be watching.....and sharing.

[@Clarks-Adventure]

Thanks Wade

[@hebelson444]

Clark I'm really looking forward to your videos and opening of a community forum to discuss making good habits towards a goal. I find myself at the exact cusp of selling everything and buying a sailboat. My friend..., these are uncertain times I find myself in but, with certainty that I will achieve a complete transformation. I have relocated across the the US several times from the Caribbean to NY to Miami to Texas and now in Portland, Or.; meaning that I'm no stranger to putting myself out there in the world with nothing but faith in myself. And now I'm embarking in this unknown expedition called my 4th life. I'm 56 looking at life with the same enthusiasm as when I was 8 years old but with much more wisdom. However you inspire us to chase a dream will be a voice of encouragement.To pursuit the dreams we have deeply embedded we must tap the core of our inner contentiousness. We owe to ourselves the state of HAPPY. May your horizons (Clark & Emily) be filled with nautical miles, safe anchorage and starry nights to gaze upon. - Hugo

[@rorytennes8576]

Joined and filled the survey. Would love to form or join a group in my area, Arlington Texas. Hopeing to meet good like minded people and having a great and supportive community and real friends. Thanks !

[@MiQBohlin]

Aye m8’s! Great to see you make a whole series on the subject. Way to go 👍🏽 Hope you’re better from wind aspects. ⛵️

[@Clarks-Adventure]

Well our anchor has stayed where it belongs lately

[@redbird1824]

The bible says "He who loves money will never have enough."The trick is to not love money!The best things in life are free anyway ,a beautiful sunset ,calm after a storm,watching it snow out the window or watching a child catch a fish .Or a 60 year old kid catching a fish .All free of charge. But now we all know what BOAT stands for. Break Out Another Thousand. Ha!!That is of course unless you are talented enough to make you own wind generator!!!Looking forward to your next videos. Sailboaters are always fun! Sail on Sailor!

[@Nerd3927]

If you have to give people money to tend to your boat that acronym is correct. If you have a boat and a job to be done, there is *always* a cheaper way to get it fixed. For example your toilet breaks down. New electric one is the said thousand, Manual is 250, a cheap one is 175. A second hand one and a maintenance kit 50 and some beers. But a bucket is already on board and works fine too.

[@redbird1824]

@@Nerd3927 One thing about a bucket-it does not have what some sadistic soul named a "joker "valve!Ha!

[@rorytennes8576]

money is" freedom chips" saw that in his video

[@studiocsh]

Enjoyed both of these videos, thanks for doing them. I think they came along right when I needed to hear some of that. I've got my finances mostly in order but the concept of "Enough is enough" is what I'd been missing (or had probably been exposed to it from other sources and kind of forgot about it). I'm definitely falling in to the trap lately of thoughts like well, if I can stand to work three more years, might as well make it five, and at that point, maybe two more after that (chasing bigger retirement benefits).

[@spit666999]

Amazing! Thank you for this video ) I subbed

[@Clarks-Adventure]

You're welcome and thank you for subscribing. Hope you like our other videos on intentional living on a boat.

[@louietheplumber3609]

Can't wait

[@marlapuett-sandberg2674]

Great intro music! What do you do for healthcare and/or insurance? That seems like a final sticking point for many. Hoping this can be a topic in the future.

[@Clarks-Adventure]

There is a video coming on that topic. There is an answer that works.

[@Nerd3927]

Cool initiative!!

[@Clarks-Adventure]

Thanks

[@brettweary730]

Good Video Sir

[@Clarks-Adventure]

Thank you Brett

[@sailingelpulponegro230]

I spy..."Where There Is No Doctor". Great book everyone, highly recommend.

[@Clarks-Adventure]

Sure is

[@AfricanFlightStar]

Great idea, looking forward to it, will take the survey 👍🏼

[@AfricanFlightStar]

Can't take the survey - that page presents a popup ask us to "sign in" before we can take the survey, no way around it. And when I hit the signin link, it does nothing. Just FYI.

[@Clarks-Adventure]

Looking into it.

[@Clarks-Adventure]

Please try again and tell us how it goes. I think it needed you to be logged in to Google.

[@AfricanFlightStar]

OK now it's accessible without having to sign in to anything, thanks.

[@MWRent]

Thanks for the content! Why did you stop doing monthly financial-related videos? They are very useful, and incredibly popular it seems...

[@Clarks-Adventure]

We just released one last week. But I stopped for some time because we did a refit this summer and the boat was a construction zone so I'd have had to use a different setting. Wanted them to all look alike. Also they are a lot of work and I was so busy preparing for this voyage. On the subject of popular, I was surprised that this latest one hasn't gotten many views. It was on a subject that so many people have asked for. Maybe I've lost this section of my audience?

[@MWRent]

@@Clarks-Adventure Ah yes, noticed that one. I'm outside the US, so wasn't interested in that one - especially when you said so about 30 seconds into the video, haha! May be just the gap in time between that type of video, or just weird KZbin algo.

[@MWRent]

@@Clarks-Adventure Really enjoying the finance vids BTW, and am checking out the FIRE stuff now for my country. I'll likely start investing into Index-type funds very soon. Just need to work out what tax breaks I can get first! Thanks again for all your good work. Very easy to follow :)

[@cyber_surfer]

Philosophy? Neuroscience? Intentionality? Psychology? Self? But, how (deep) does the rabbit hole go?

[@Clarks-Adventure]

We kinda stopped with this series. But someday I'm going to do the neurotransmitters as a way to reprogram your own brain one.

[@cyber_surfer]

@@Clarks-Adventure Does (growth) have an end-point ? Do you guys like (abstract) thinking? Life, is a game of perceptual, conceptual, emotional, and physical - manipulation A game with no permanent rules, or well-defined parameters, or even an end-point A game that few can truly apprehend, but a game that everybody plays

[@cyber_surfer]

@@Clarks-Adventure Does Emily's brain have faster (dopamine) recycling than Clark's?

[@johnlennie7470]

Love you buddy. But, I don't want the Bahamas full of people. Maybe you could tell everyone you're somewhere else. Cheers!

[@Clarks-Adventure]

OK, all further videos will show us in Haiti

[@dreamtoneamps]

Hey guys I have one question to you both and would be probably one of the biggest for anyone that is close to this dream and that is health care. How do you deal with this situation? Also how do you protect your assets? You hear stories on the news of older people going bankrupt due to some sudden illness, and associated medical bills incurred. I enjoyed the video you did titled "How I retired at 36, and spent 20 years sailing" all good suggestions. Thank You.

[@Clarks-Adventure]

Keep watching, it's coming.

[@larryberman3837]

What do you do for health insurance and the approximate cost?

[@Clarks-Adventure]

Video on that coming, Larry. It's easier then you think.

[@projectromero9531]

We are a couple that are going for financial independence, we have been working towards it a couple years now and we or at least I feel that with every investment I'm working towards our goal. It all started out with reading a blog post on Mr Money Moustache. When I was reading it I just feelt this is what I want. I spoke to my fiancee when she came home and she was all like, Yeah right sure. So I showed her the blog post and we both started doing some research and after a while we started calculating the numbers towards what we needed if we were going to live as we live now. Depending on the market and what kind of job she will land after her education we should be able to retire after about 3-5 years from now. More if we want a more expensive life stile. It is mind changing when you start to realise that most have been so caught up with showing of there wealth that they have no time to enjoy it. For us things have never been of much value we instead value experiences much more, so our best memories have always been things we done, like trips, new cultures and such things. It is good to tap into the knowledge of someone that have already done it. Looking forward to your'e videos and what we can learn from you. Best of wishes from the frozen lands of Sweden. PS: We also love sailing so you have the perfect combination.

[@Clarks-Adventure]

Thanks guys. I hope you fill out the community survey in the description. We want to help get people together that think this way. Mutual support and a place to hang out where it's cool to not show off wealth.

[@jeffbushdesign]

Does anyone know the name of the song that's playing at the beginning and end of the video?

[@Clarks-Adventure]

Sure Jeff, it's called "scissor vision". It's on KZbins audio library for free.

[@jeffbushdesign]

@@Clarks-Adventure Thanks guys, great videos by the way!

[@michaelhauck8537]

You should start a SubReddit to help build and foster your community :)

[@Clarks-Adventure]

Michael. I know nothing about Reddit. I just got an account but I don't have enough Karma to do anything interesting. I would appreciate help if you know about getting things rolling there.

[@michaelhauck8537]

When your account is more than 30 days old, and you have acquired a small amount of positive karma, then you can create a subreddit of your own. To do this, go to your reddits listing, where you will see a button called “Create your own subreddit” at the top of the sidebar on the right. The above is simply how you create a subreddit, but during the next 30 days you should explore Reddit to build that Karma (upvote/downvote things etc) to best understand how a SubReddit could work for you and how you envision your community. Obviously you could look at KZbin Subreddits that are popular like PewDiePie, H3H3, JackFilms, etc but looking at Gone with Wynns website or finding general helpful communities on Reddit (aka literally tens of thousands) and maybe a good place to start would be looking at Sailing or Financial rabbit holes.... Hope that helps and look forward to seeing where you take this community :)

[@Youbetternowatchthis]

I suppose I have serious trust issues. What is he trying to sell/promote? Is this some content marketing strategy by Lehman Brothers to get me to open some savings account? I don't know. How many people did invest just for a lot of hard earned coin to land in someone else's already big pocket. I did really enjoy the first video though. Wise words that made a lot of sense. Also I really like boats and the ocean..

[@Clarks-Adventure]

I'm promoting, happiness, life goals and being smart with your money. That's all. I'm retired and happy and want to spend my time helping people. Many people are afraid of investing. It's true, every investment has risk, and some risks are greater than others. I encourage you to do your research and find what's right for you, whether it's real estate, the stock market, a small business, or other means. I know about the stock market, and anyone can get into it with a very small amount of money (I'm in a mutual fund with a minimum of $1), so I'll be talking about that a lot and how it can help people. What you should NOT do is hold onto your money in a piggy bank or a savings account with a tiny interest rate. Every year the US dollar is worth less, so if you don't invest it in something that will grow, you're going to lose money. I'll explain the power of investing $1 in another video soon.

[@Youbetternowatchthis]

​@@Clarks-Adventure Thank you for your reply! Really understanding the stock market is hard. Before I get into that I need a solid strategy. I will be watching your other videos for sure. I have been experimenting with krypto currencies (with a tiny amount of money) but it seems to me they are useless as a long term investment. Or at least too risky.

[@Clarks-Adventure]

Cripto currencies aren't a real investment. There is no means of production. They are volatile so you can gamble on them. The only real way to make profit on cripto is by mining (or as I got involved in a while ago, developing mining equipment) We have a video in the works about market theory described in a straight forward (I hope) way.

[@angelikmichal]

Yes.... But you didn't have kids !! So you took the easy route ;) Mike