F.I.R.E - 6 Uncomfortable Truths we discovered about Early Retirement & how to mitigate them

[@JeanVoronkova]

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[@bradley-6tr]

This seems like the worst period. Even the market are now very unpredictable. Started investing recently when the market prices were a bit high, today I am more than 60% down!

[@darrenmoore-xx5rc]

Don't be confuse buying the dip in a bear market, with guaranteed future returns. Just because that company is down 60% + from ATH does NOT make it a sound long-term investment. Make sure you're investing in great companies. kudos to Sylvia nicolas.

[@toulahen-sd6zk]

I agree just reached my goal of $500k monthly trade earnings. Setting realistic goals is an essential part of trading.

[@bradley-6tr]

please educate me, i am willing to make consultation to improve my situation.

[@darrenmoore-xx5rc]

Woah for real? I'm super excited. sylvia nicolas strategy has normalized winning trades for me also. and it's a huge milestone for me looking back to how it all started

[@dr.heatherhh5]

Yeah, 143k from sylvia nicolas., looking up to acquire a new House, blessings

[@br8979]

I love that you don't define retirement as not working but being able to do the things you love. Freedom of choice is the biggest goal one can persue.

[@markfoley3923]

Nicely put, B R. Watching this video, it seems to me that Jean isn't retired in the more traditional sense, but has instead significantly restructured her life to focus on the priorities most important to her. That seems to include several activities I would define as work. More power to her and anyone else who can do likewise. Regards.

[@ericknudten7272]

Only regret is not retiring sooner. Im from the US and I wish I would have escaped sooner. Now I have time to do whatever I want whenever I want and I LOVE life . I like to people watch now that I have more time. One thing I have noticed is that the body language and facial expressions of people I see show that most people are not happy or relaxed in this country. Always mentally occupied or distracted with their cell phone or some other triviality..the American busy disease I call it and the need to show others that you are important enough to be noticed..mainly by acting and looking busy. To all the young people out there (Im 56) save, live WAY below your means and SAVE SAVE SAVE so you can escape this economic trap. Life truly is good when you have your own time and some financial security.

[@JeanVoronkova]

thanks for sharing Eric, i felt so happy for you reading your note! I feel the same way about living way below our means - i will always want to live this way cos the freedom it affords me is so precious. We love life too! :)

[@jayplays568]

Thanks for sharing this Eric, it is such a great post! I currently live well below my means. If I can ask, how much did you have in savings and how much passive income were you generating when you finally decided to retire?

[@jjjjk1241]

This is so interesting. You didn’t truly retire, you just switched careers. Wonderful!

[@33Jenesis]

Retired a year already. Didn’t do anything except learning to swim (and lost 25lb in the process) and continue singing with a barbershop chorus (swimming improves my singing so much). I have a craft room full of paint, paper, jewelry making stuff, quilting stuff, crochet and knitting everything, and loads of cross stitching and embroidery to do. I feel ready to tackle my craft room.

[@jayplays568]

I loved reading this reply, in the last 1-1.5 years I've taken up cross stitching and love it so much. I just wish it was possible to make it into a side hustle but I don't think it's viable since it takes so long to do even a small piece that I'm not sure anyone would actually pay someone that much given all the hours it takes.. Have you ever tried to earn a side income from it?

[@33Jenesis]

I never thought to do side hustle with any craft I took up. Too many great creations out there already by those who can do them justice. I just enjoy completing what I happened to tackle without putting it aside (judging by the stash of abandoned projects lol). I have several large cross stitching kits. I hope to complete them before my eyes or fingers give out. Cross stitching takes concentration, more than typical embroidery. I had to undo loads because one or two stitches were facing wrong direction 😂

[@toriambrr]

i’ve been craving a slower, more secluded lifestyle lately, and i believe it’s no coincidence i found your videos about early retirement! honestly, everything i visualize about my dream life involves being pretty much retired and simply following my passions and my calling in life. i’m 24 now and to retire around 40-45 sounds perfect! beautiful videos. thank you so much! ☺️

[@briantodd4887]

I’m 53 and retiring this July 4th. This video was great help in creating a game plan moving forward. Good information!

[@JeanVoronkova]

Hey July 4th is not far away at all! U must be so excited! All the best and remember - it takes time to get used to the transition, but keep healthy and live life to the fullest :)

[@era-FP]

Thanks for this episode ! It’s the non-financial aspect of FIRE that i’m most unsure. I’ve sent my notice and retiring in Aug at 51 ! Am set financially but it’s seeing the (still working) spouse more frequently that i dread the most, and doing real estate business with him 😀

[@amadcoman]

Embarking on this new chapter of retirement? Remember, proactive financial planning is the key to unlocking a secure and fulfilling future. Instead of solely relying on any factor, consider staying invested with a trusted financial advisor. They can guide you towards strategic investments, ensuring your retirement is not just stable but prosperous. Take control of your financial destiny and embrace the retirement you've always envisioned!!

[@Lemariecooper]

Absolutely! Planning ahead is vital for a prosperous retirement. A dedicated financial advisor will help navigate the complexities, making your golden years not just secure but truly fulfilling. Here's to taking charge of our financial future and enjoying the retirement we've worked hard for!

[@Lemariecooper]

*Jenny Pamogas Canaya* is her name. She is a genius when it comes to diversifying holdings. You can verify her for yourself by looking her up online. She is well knowledgeable about the financial markets.

[@Erikkurilla01]

Thanks you for sharing. It was easy to find her on internet, seems very proficient and flexible. I booked a call session with her.

[@MadameSarah]

I’ve been told to avoid making my hobbies / interests my career because it kills the joy in it, that we’re better doing something that we are mostly content doing part time and and work on passive or investment income

[@painter662]

Got unexpectedly retired a little early last august… I got ideas and goals and all of that, but am having trouble making the transitions. It’s not a horrible time or anything… but nothing was set up, so now I find myself setting up on the fly. At the same time we have fallen into this recession, it does make a mess of things. It’s kind of like I can see next month but am having trouble muddling through this week. I did enjoy this video. Thank you. Tgere was some solid advice in there. One might think you are a financial attorney or something in a last life😁 keep up the good work, thank you

[@JeanVoronkova]

Hey painter662! I can totally relate. After all, it took me 10 years to muddle my way thru life into my current retirement in Bali. Yep the current recession is a bit jarring, but I dunno how old you are, but i have lived through & remember clearly the atmosphere of the 1998, 2008 and 2014 crisises that affected me personally. We'll get thru each of them as they come hopefully, with some sensible maneuvering. Take your time transitioning - savour the process (later on you'll realise that was part of the life you lived!) - and you'll figure it out eventually - we all do. All the best :)

[@virginiavargas1649]

Nearing retirement soon and I'm already thinking possibilities and turning my passion into side hustles to make retirement fulfilling and finding ways to give back! You're an amazing mentor/advisor! Thank You!🌿

[@NikkiStylestylista]

I hope you know how much you inspire us to get out of the rut, out of our heads into our nomadic hearts. Thank you so much for you just being you. Bali is well and truly on my list. It's hard being a nomadic soul sometimes. But also we must not be afraid of what wanderlust asks us to do!

[@JeanVoronkova]

It does get lonely and bit tough going sometimes with all the financial considerations and being a minority in your inclinations wherever you come from. Just remember when you're on your nomad journey you'll experience so much that makes u so happy and fulfilled!

[@peterhorsfield3186]

Yep retired 1.5 years ago and isolation/people not understanding your decision/envy and waiting for me to fail and go back to work means that I have even less interest in reaching out to others. This causes me even greater isolation. Not really sure how to deal with this, and not really interested to put myself out their either. It's probably a really bad approach however at the same time I'm not really caring about others opinions because its my life, not theirs.

[@FinancialFreedomLifestyle]

My wife and I we able to retire from our day jobs at 28. We moved to Eastern Canada to continue investing in real estate. Just came across your channel. Keep up the good work.

[@JeanVoronkova]

wow 28 is awesome! u hv the rest of your lifes ahead to explore life outside of work how nice

[@FinancialFreedomLifestyle]

@@JeanVoronkova Thank you!! Yes we have a lot of travel planned :)

[@JeanVoronkova]

@@FinancialFreedomLifestyle its really cool if you're young, healthy, and can afford to travel. All the possibilities of the world at your fingertips :) Lots of people have travel goals in their retirement but unfortunatley at their older age sometimes even mobility becomes an issue. My mom is experiencing that right now, so sad.

[@timsmusic7349]

Retired at 28 is amazing and especially if you’re investing in real estate which is hard to get to a point where you’re able to retire with only approximately 6 years out of college. I know a few families that inherited a lot of real estate from their parents who purchased it in the golden era of the 70s and 80s before Reganomics and it’s accelerated inflation. They successfull families held onto it and now the benefits are generational. Friends of ours inherited a 20 unit apartment building in San Francisco and they are collecting around 4k a month for each one and they clear 50k a month net. There’s a lot of people retiring in these situations.

[@FinancialFreedomLifestyle]

It's not easy, but we made it happen. Inheriting would be nice lol, but there's something special about building it from the ground up.@@timsmusic7349

[@SuiGenerisAbbie]

10:35 and beyond: The paint job in your home is gorgeous with the pink, the turquoise, the ocean theme, the beautiful windows and furniture is so great! Your sofa is wonderful, too with its roll cushions.

[@JeanVoronkova]

hey Abbs! Thanks a lot but actually we recorded in a cafe in the Uluwatu area that just had a really nice quiet alcove with a bit of aircon! love the decor n ambiance there though like u said :)

[@greyhairsoft]

Retired for 12+ years (from FIRE as well); Wife and I have developed a daily routine that works for us and we always enjoy our time together. Spot on vid about pursuing hobbies/crafts/alt-businesses in retirement... ...I chose Airsoft as a Hobby (granted it already was; I just took it to the next level, i.e. "focus on the details" as you say). She Yoga/Pilates/Zumba/Cooking(Chef level).

[@JeanVoronkova]

nice! love hearing other retirement success stories! I can't imagine how people could look at retirement and think it's "boring"... lol. It's really just about learning to max out your time in happy ways!

[@danni11uk]

Please keep up with these type of content, your videos make me feel calm and hopeful, drag me away from the big amount of money is still not enough world... Thank you

[@JeanVoronkova]

for most of us privileged enough to be born and educated and work in developed countries, we'll always be ok, especially if we start taking advantage of stuff like geo arbitrage. Be hopeful, dream big. Think about Ke Huy Quan who started his journey in a migrant boat and ended up on stage at the Oscars! We can certainly figure things out slowly but surely :)

[@igetstarted]

Thanks for sharing Jean . What about retiring to pursue a more purposeful life ?

[@kevinho4504]

Luv this video. Planning on what to do already as my retirement is 6 years away. Jujitsu , wakeboarding , keeping fit are what I am doing now, with plans to do kitesurfing , community work next. Plus planning my retirement income which is really important .Keep the videos coming ….hep me to have a sense check on my retirement direction.

[@JeanVoronkova]

so nice! love your retirement plans!!! wake and kitesurf go really well together and there's so many possibilities in that direction and beyond. You sound like you'll have a blast in retirement for sure :)

[@elynny4870]

Good point. We always need to struggle in between this 4 currency - money / time / youth / health. It's seem difficult to have all this 4 at once unless we are born rich. By the time we may have enough money, we may not have the energy and youth to do what we can when we are younger. But when we are young, out younger self is still struggling making money and not be able to do the stuff that we want. Hopefully by the time I retire, I still have the energy and money to do all the activities I wanted. Thanks for your video and sharing.

[@JeanVoronkova]

Hi Elynn, thanks - glad my last point in the vid resonated with you - its not really stuff we think about when we r younger but now im 40 and feeling my fitness fade slightly in my surfing it definitely weighs on my mind more! yep the trick is to try to find that balance hey

[@flukeylukey7559]

Thanks for the advice, you guys are awesome 🌞 we have been retired for 2 years on an Aussie island, thanks to 5 rental properties, now 50, we still do a few hours of work, but we decide how much, we're involved in lots of groups and hobbies, it does get pretty busy in semi retirement. Loving island life 😊

[@JeanVoronkova]

Thanks for sharing! Wow 5 rental properties is a cool achievement. I hope we can be the same in a few years' time. I actually enjoy being a landlord and taking care of the tenants and solving whatever issues crop up, even though now we mostly just do it remotely which is more difficult. I'm glad u guys r enjoying island life too - beach and ocean access is awesome :)

[@dmang0]

It's always a good Sunday when there's a video from you! 😊

[@JeanVoronkova]

aww thanks dmango! so schweeet!! we just celebrated Nyepi here yesterday such a blessed day of peace and silence n starry skies so unbelievably beautiful - it was amazing.

[@theholisticfamily7604]

We are also free ‘retired humans. I’ve noticed that even if you do FIRE, you’ll always be managing money, time, possessions etc. We live a simple nomadic life travelling Europe in our camper and get to experience a same kind of life, without having to grind really hard to get to FIRE. We earn some money online, and try to invest some. ❤

[@JeanVoronkova]

ooh Van life is still one of the things on my bucket list! getting a comfortably kitted out van in Europe is so expensive tho! can't get aroudn the fact that money does make most things in life go round... even if we're not working we still gotta spend time making sure the money we have can stretch till the end for us - the difficulty is not knowing where the end point lies lol

[@davehood1514]

Great video Jean, crossing the lines between wealth and heath, making people focus on what really matters in life, do more like this loved it.

[@JeanVoronkova]

lovely, thanks Dave, glad the video made sense to you :)

[@jimstowell1166]

Money, youth, health and time....our currencies of life...at 75 I m losing out. I feel under considerable pressure to retire but honestly I am afraid...Your videos help. thank you.

[@longbowman7238]

I'm 22 so bit early for retirement. reason i watched this was because i wanted someone's experience on doing their own thing, managing their time and money, things you realized after the switch in life style. I'm going to work hard to live life because i believe i realized from a young age that life is going to go by faster and faster so want to experience meaningful things (this might just be youth rushing 😅)

[@JeanVoronkova]

it's great you're so forward thinking. I spent my youth completely living in the moment - and whilst it was great in one sense i was far less prepared for later when the reality of a career that i didn't like started to hit home. Jobs & careers can be great and awesome and we learn lots from them but for me the more important things in life lay outside of that arena! all the best!

[@LonganLee]

To people who say retirement is a myth, its because they dont know how and need to be spoonfed or told how to retire. So they say its a myth. Its a Choice. You need ability to retire. Working whole life exchanging your time for income also is a price to pay. Everyone is unique so there is no absolute right or wrong. If you enjoy work till death, do it. If you treasure enjoying limited life, do it. Value is different to different people. Some lack imagination so they say, retirement is boring. Some find retirement time enriching. So both are true because not all know how to retire.

[@JeanVoronkova]

it's very true - different strokes for different folks,, but i did see my own dad struggling for 2-3 years initially when he first entered retirement, and that's even despite the fact i bought him a book about preparing for retirement one year before it happened lol. He's totally in the swing of things now though and i'm so happy to see it.

[@family.fire.by.2025]

I'm currently enjoying the journey towards retirement! Personally, I think that if I continue to keep the good vibes going and learn along the way, I'll be ready to handle whatever comes when I finally reach retirement. Just gotta keep going and stay focused on those goals, all while having fun and chasing those dreams! 😊

[@JeanVoronkova]

That's a wonderful attitude to carry - enjoying the journey as well as the destination means you're just living life to the fullest in the present - which is so important. N yes, there's actually a lot to learn even in retirement, particuarly about thinking how to keep the retirement plans problem-proofed and hedging risks. We are all learning along the way so starting early really helps. Time will be on our side. Working on a video about this actually - prob out in 2 weeks. Stay tuned!

[@dominichill1492]

I'm retired from the U.S Army back in 2018, I done 20 years in the military from 1998 to 2018. My retirement life is going well as of now. Jean and you know I always love you're advice on any topics that you speak on. Jean every time you speak I listen to what you say Jean sweetheart. Jean do you have a cash app? Because I would donate to you're channel Jean sweetheart.

[@JeanVoronkova]

oh hey you're years ahead in retirement compared to us hey! any advice you wanna share about this topic? And oh Dom it's way enough that you're always here every week without fail - that's what I truly appreciate the most - don't worry about anything else and i do hope you're having a lovely week on your end :)

[@swatiagarwal162]

Hi, thanks for all the good work you are doing inspiring people. I have just retired at 47, a bit late but your videos have helped me firm up my decision. But as you grow old many interests keep changing, so it's important to k lnow what is your real passion and follow it!

[@JeanVoronkova]

always also good to explore many different things! Life is always surprising!

[@unsaltedbeurre3411]

I think 'retirement' is one of those words that is a bit outdated in this modern digital world. Many people these days don't commit to just one organisation or one job. We have many interests and opportunities to do more than one thing for a living, and quitting a 'day job' or a 'full-time job' to do something else like you guys have been doing isn't so much a 'retirement' to me. It's more like a lifestyle change. You guys may have 'retired' from a traditional career, but you certainly haven't 'retired' from doing other things in life that may generate income. The difference is you don't 'have to' do what you don't want to do just for a living, perhaps that's the true definition of 'retirement' haha. Totally agree too about traveling when we're young. I tell my friends all the time not to wait til 'retirement'.

[@JeanVoronkova]

love the perspective totally agree - that's what i've been tryin to express in my videos - nicely put! Too many things in life we shouldn't wait till "retirement" - i'm bringing my folks to Iceland later this year but now my mom is experiencing knee pains and i'm so worried about her being able to travel and enjoy it. Health and youth are precious!

[@unsaltedbeurre3411]

@@JeanVoronkova Iceland!! That's exciting! Look forward to your videos from there! Apart from health, another thing that I've noticed is that the older I get, the 'less' enthusiasm I have than when I was younger. It's either because I've done a lot of it already, or it's just natural for us to want to feel a bit more grounded as we get older. The excitement is still there, but it's less. I've also noticed that the older I get, the more 'fear' has slowly developed in me. In my 20s and 30s, I never thought about danger or accidents, I just packed and went and whatever. But now I feel a little anxious whenever I fly haha. So yes, again, we can't waste our youth for sure!

[@JeanVoronkova]

@@unsaltedbeurre3411 yes i totally relate! I am the same! I think i just get more used to being comfortable and less willing to step outside and explore - but when i do, i remember all that i've forgotten and why we do stuff like that. Yes I'm planning to vlog the Europe / Iceland trip w my folks - V won't be with me so i'll just have to make do by myself lol - but it'll be nice to document that. Havent travelled w my folks in years - looking forward to the family time!

[@user-mm1uc9xu5r]

Not really retired but just unemployed for a few months after ending some contract jobs for 2 years since I graduated during Covid. Job market is bad right now. But the points you shared here are somewhat relatable especially on managing finances (emergency funds do run out eventually) and trying to learn skills/hobbies while being in control of your own time. I see this period of time as an opportunity to discover more about myself and to plan out my future goals for the life I desire.

[@JeanVoronkova]

I actually think the break periods in between jobs are great practice periods for training for retirement - assuming there's like months of time in between. When i used to take breaks in between jobs, i usually found myself super busy for at least a month or so - just tidying up odds n ends, catching up on reading, bitty stuff i finally have time to do etc.... n that's before getting started on actually exploring myself and time!

[@andreysorochan2183]

Hi Jean! Thanks for the excellent content, as always. Your concept of 4 currencies (money, time, youth, health) is brilliant. One could argue youth is a derivative of time but I can see well why you may want this as a separate category. I can also think of communication (in broad sense - with family, relatives, friends, strangers, nature) as additional currency. Communication (=time spent) with certain individuals is an energy boost and goes beyond just time since you're emotionally rewarded with a multiplier. On the contrary, communication with other people/situations (very personal) is an energy drain and to be avoided.

[@JeanVoronkova]

thanks Andrey loved your input. Yes Time and youth sound similar at first blush but actually youth is quite an irreplaceable currency w its own distinct features of energy, health and spirit of adventure which distinguishes it from having loads of time in say old age. I also agree with your point about communication! U must be an introvert like us haha. The extroverts of the world never seem to care about having their energy drained from social interactions!

[@melmelexplores]

I am excited for 2023 as I am probably going to make some changes in my career and seek what i truly value in life - mental health and freedom of time :) Thank you for always sharing your lovely insightful thoughts about living life too! I have just came back from 6 days of exploring Sapa in north Vietnam and this would be impossible if i left it to when i retire XD

[@JeanVoronkova]

omg I love Sapa its one of my favourite spots in Vn to visit! It was so beautiful to hike the padi steppes there - glad u did it too! all the best for the rest of your 2023 :)

[@simoncollingridge1992]

Thank you. You make so Much sense. Keep active and helpful to others. ❤

[@petir2008]

i am an Indonesian. I am 40 and i have already reach my FIRE number, way higher than 4% rule. I wanted to retire early but still too afraid to take that final step

[@JeanVoronkova]

wow... u got a lot of discipline to hang in there even though you've reached your FIRE number. Retirement is such a happy thing for many people though - what's holding you back?

[@juainaar7642]

I retired 3yrs ago and hv been enjoying cooking and trying out recipes, something I could not do when I was working full time.

[@JeanVoronkova]

yep! same for us... and V is becoming a BBQ expert - i never knew there was so much knowledge required in bbq....

[@MarkinChina]

First, let me congratulate you on your 100th video now on your channel, no small achievement, and hope to see many more, I am now in my early 60, still trying to retire early, but life seems to get in the way and knock me back, but still fighting for this dream of retiring on my terms ....trying to set up a passive income from an internet site and also write screenplays..but that I have been doing for twenty years, so not really in the equation of my retirement plan as yet...but just need one film credit and I can really retire very comfortably..keep up with the good work, always inspirational even to the older generation...Peace and JaYoe

[@lisagiannuzzi348]

Love this one! I enjoy hearing about what went well and what was unexpected on your journey. I'm trying to work up the courage to start my own YT channel and look to your for inspiration!!

[@JeanVoronkova]

thanks Lisa! Good luck w the YT - it's a hard grind at the beginning if you're looking solely at numbers but overall its been a very fulfilling journey n i've learnt so much and am happy I stuck it out n grew so much over the last 3 years! wish the same for u!

[@BuellersBack]

If you still need to make income than you are not really retired. It might be a much more satisfying life, though.

[@JeanVoronkova]

There's not really a need but if its a side bonus to doing stuff we enjoy why not?

[@jonb3189]

You've hit upon many of my own concerns. I've got many rental units in the US, and don't see cash-flow as a problem. However, it'll be such a huge change from the familiar, and change from today (which is what I know and forces discipline) to retirement of total freedom, ability to travel the world 24-7, but arguably without a sense of purpose, is really scary. Venturing into the unknown .... tomorrow is closer than we think.

[@JeanVoronkova]

you'll figure it out as you go along, if you can look past the standard retirement myths and also apply a little self-discipline and structure into your new un-structured completely free life in retirement. You'll find a rhythm and settle in as you start figuring out what you love and what gives you purpose :)

[@WoodBecomesWater]

Wow, thank you for these deep thoughts 🙏 Really resonate with my plans for the future, even at my 33✨️

[@JeanVoronkova]

33 is a good age to start planning for retirement. I truly believe it'll help you get there faster since you're thinking of it early and probably will shape your plans towards it. Good luck!

[@timchia7388]

Thanks for sharing. Good points. Well said. :) Important to have a meaningful side hustle. My investments keeps me busy. I enjoy controlling my own time and the freedom to choose who I hang out with.

[@JeanVoronkova]

yessss meaningful side hustle for the win. FIRE and retirement just means freedom of time and personal choices, not degeneration of the mind! I always enjoy your little updates and humor about supporting your REITS landlords haha

[@jamesreed4483]

Excellent video. Great information for those on the way to retirement. I am older, retired in Thailand with a wonderful Thai wife, and happy every day. Yes I have many ways to keep contentedly engaged. I have already dealt with the issues you mention so know that you are touching on important concerns. Best wishes.

[@JeanVoronkova]

wonderful, thanks James for sharing. Thailand is also an absolutely lovely place to retire we love the food there so much!

[@lauratan7674]

Viva la vida! I think you should just enjoy each day in retirement as it comes, and not worry too much. Especially after Covid, we won’t know when these freedoms that we take for granted in our everyday modern life will be taken away from us again 🎉

[@JeanVoronkova]

yeah its true - living in the moment is a precious gift :)

[@meldavies9909]

Yet another thought-provoking video. Thank you 😊

[@JeanVoronkova]

cheers Mel thanks for spending a bit of your Saturday w me!

[@davidmaib677]

Been a little bit busy lately, but I wanted to say hello. Great video as usual. Thank you!

[@JeanVoronkova]

hey hi back! i appreciate the hello :) no worries, busy is good! means life is abundant!

[@Molokhyiah]

JEAN Thanks for choosing Egypt for your first travel destination. I can help with a once in a lifetime experience 🤩

[@lifewithmargot]

You explain this so well! ❤ I’ve had people tell me they would be bored if they retired lmao 🤣 omg they have no idea 🤷‍♀️ what they’re talking about…but you have a good point they just can’t imagine being in charge of their time and getting to decide for themselves what to do 😢 I retired 1.5 years ago and love it!

[@JeanVoronkova]

that's awesome that you're retired too and having the best time! so happy to hear this!

[@CastelWalking]

Thank you very much for this very interesting video Jean !😊 Merci !

[@JeanVoronkova]

thank u Castel!

[@weetak]

你是我的灵感导师， 谢谢你❤ 。 当我退休后， 我知道要如何活的更有意义🎉

[@JeanVoronkova]

哪里。。。只是分享我们从经历过的一切获得的感悟 。谢谢你韦德 🌻

[@weetak]

@@JeanVoronkova 你太谦虚了, 造福人群, 贡献伟大, 谢谢 - 维达 :-)

[@lizasem4184]

hey jean, thanks for ur videos. im inspired. currently 43 and holding a full time job. knew that u took 4 years to reach yr fire stage....could u kindly do up a video to share with us the details how u reach that stage? im looking at investments, i have some investments here and there but probably not doing well.... understand i need to be educated in investing probably..ideas everywhere but not sure what to do first...wanna listen to someone who has been there and done that. thank u so much Jean...

[@gardeningtipsandmore]

awesome video, you are getting really good , very informative, very good example ! thanks!

[@JeanVoronkova]

aww thank u! glad it was helpful for you!

[@Sethisfy]

The part on spending hours to save $10 😂😂 guilty as charged 🙋🏻‍♂️

[@JeanVoronkova]

😂 aren't we all.... part of hustling to FIRE lah! lol

[@kirihemmingson8596]

Absolutely love your videos, so informative and interesting; and you seem like such a kind, down to earth person. I just wanted to say - I never would’ve guessed youre 40! You look much younger! ❤

[@JeanVoronkova]

thanks a lot Kiri, I think my age does come across more clearly in person for sure haha but im fortunate the camera is kind to me!

[@andrekeulemans473]

When You come back from leave and the manageress thinks You've been relaxing. I sympathize for Her mindset in the long run

[@wtkwtk4689]

Hi Jean, Life is about exploring the interest as per my perspective. Interests are likely to differ in respect of different individuals. One common ground is that when one achieves financial independence, he/she has the option of retiring early. This is a valuable option for me. I think that this will allow one having the assurance of venturing into his/her interest without the burden of financial survival been secured for a significant amount of time. WTK

[@winnievinis]

Hi Jean, thanks for all the videos. im planning to move to bali for remote working. Could i check with u on the visa which visa are you applying? any advise? and could u intro a liable agent for me to apply as well? or could you make more video on how the life in bali and the move and preps for it? thank you

[@JeanVoronkova]

hi! We don't generally share our personal private info online due to safety concerns - but depending on how long u wanna be here for u can check out the B211 social visit visa - u can stay 6months and actually now renewal onshore without leaving Bali is possible so it means on the B211 u can be here for years without leaving until they remove the onshore renewal option. That might work good for you? U can try Bali Visas. This upcoming video this saturday will be good for you as a reference - its about Bali rents n car rentals n etc recent updates!

[@rinkydinky78]

Great advice

[@captainobvious49]

16:26 So sassy lol

[@jyotirajput2743]

Thanks

[@JeanVoronkova]

Welcome, thanks for watching :)

[@somedudeonyoutoob]

why did you pick bali vs somewhere in thailand?

[@andrewzhou7647]

Thank you for these insights!

[@JeanVoronkova]

cheers Andrew!

[@candywisdom]

Where would you say for people over 45 or 50 that doesnt really surf and yoga? Thanks

[@user-xu2gf5go7d]

Hey you are good.. pride of Singapore mm definitely a outliers among typical Singaporean.. but your video hit the point..❤

[@BelieveCre]

Ok, got it! We retired from the system, from this enslavement system👍

[@viktoriiadavydova6807]

My inspiring beauty 😌🤗🤗❤

[@JeanVoronkova]

xoxoxo thanks babe

[@aily9683]

Hi Jean, we used to party together in Phan Thiết , do you remember me ? Kelly

[@dbibbyma]

Good advice

[@lionuscahyadi2603]

Maybe can try half retire with doing as Freelancer job Can be in fund manager or investment or Services Job and until you find your confident for running full by your self

[@JeanVoronkova]

lots of different balances can be found to suit different folks - different strokes right hehe? its just good to keep busy and active even if no longer directly related to earning your survival keep. Staves off the dementia haha

[@JeffMathias]

Retirement is becoming a lie. We call ourselves retired but keep side hustles? For many, “retired” means we quit a less pleasant job to do something else that generates income. Inflation is too high even for full time wage earners to keep up. So anyone on a fixed income is screwed. The solution is aggressive investing.

[@JeanVoronkova]

i think of keeping busy in retirement as less of an income generating exercise and more of a "staving away the dementia and living life to the fullest" exercise. I'm not sure about aggressive investing. We prefer lean FIRE for the reason that there's less pressure to keep up with a lavish lifestyle so makes things simpler overall. But i suppose FAT FIRE advocates wd be on your page :)

[@livingworkingoutsidebox]

Well explained. 👍

[@JeanVoronkova]

thanks! glad u think so!

[@gjvhk2011]

Hey Jean. Really enjoy your videos. I do find the use of the word ‘retirement’ an interesting one. Historically, this means stopping working and having more time for things you want to do without having someone else control your time (as you note). Your definition of retirement is still working, but working on things you truly enjoy and having more control over your own time. Some would say that’s semi-retired. Thoughts? Thanks!!

[@shielavirtusio8438]

you mentioned boracay so i wonder if you've been to the philippines? great video as always :)

[@jonathansakura]

I'm 32 i plan to retire at 33 Greetings from korea 🇰🇷 💕 😊

[@JeanVoronkova]

wow nice so soon! congrats in advance!

[@DanceChallenge_ShowUsYoSkills]

But this is crazy, because you are still working...

[@xian4616]

Hi , do u own any BTO .flats in Sg ? Is Bali medical support fees charge higher as you are foreigner.? Will you retire til 70 yrs old in Bali ?

[@JeanVoronkova]

hi, no I don't actually I don't see them as a good investment and I dont plan to live in SG so i never saw the point. Yes as non-citizens we are charged higher for medical here but if you are on kitas you get kitas price which is still pretty affordable. Yes we plan on staying here long term provided no external disruptions, we are surfers and hope to surf into our old age.

[@TheXaminedLife]

Rewire don't retire.

[@thierry-le-frippon]

My son is 8 years old and set himself the objective to retire by 10.

[@JeanVoronkova]

lol! he's so clever at such a young age!

[@Daringamiga]

Do you believe these online employment jobs are obtainable?

[@JeanVoronkova]

Hi! I have done some work online and been paid fairly for them previously but some are just utter and complete scams so be careful and be clever in dealing!

[@mafiamuppets35]

get back to my guitar and start playing in a band again

[@JeanVoronkova]

that's wonderful. Musical goals can be so inspiring and a wonderful driver. Creative output is one of the strongest motivations for living I feel.

[@kimonekim7438]

❤

[@JeanVoronkova]

😍

[@hadiwuu6147]

How the heck u guys retired so early??

[@JeanVoronkova]

through real estate passive income (rentals) - u can check out the video i made on it - kzbin.info/www/bejne/bnuvn2WaaZiKnNk

[@katateo328]

hahaha, thay thuong ghe, hahah, cai bay loi dung luon that bai, cho du may co giet ca gia dinh tao cung van nhan ve 0, hieu chua. lieu ho ma tra tien cho tao khi tao con song di, hoi han ko kip do.

[@AntiTheismForever]

Please stop misuing the term retirement to describe your alternative, working lifestyle Jean. All you have really done is exchange a traditional job in a high income, high living cost society, for a job as a content creator in a low cost developing country that enables your current lifestyle as a low paid digital nomad. Your new "job" and expat lifestyle may be more satisfying and rewarding for you but requires you to work to sustain it. Time to stop pretending your retired, if you need to work to survive financially in Bali, given how relatively less expensive it is to live there, you're definitely not retired. Digital nomads are not retirees.

[@JeanVoronkova]

Hi! I don't understand why you think we need the youtube income to survive financially in Bali. This was always clear from my earlier videos that we don't. In fact, when we first moved to Bali to start our retirement our channel was nothing and certainly not a financial pillar we counted on to sustain us here. I make videos cinsistently cos it's been a commitment from the start when we started the channel - and i still enjoy keeping to this commitment generally more or less. In fact since this year we've been cutting back to 3 videos a month roughly and turning down most sponsorship offers - just cos we can and V wants to do more other stuff. Why is it that when you know nothing about us, that you insist that your interpretation of what our live is, is in fact the accurate version? There's no one on earth who will look at the way we really live here who's gonna say we're still holding a job. That's just pathetic. If our videos annoy you so much, please simply unsubscribe and go away. That's for your own mental peace, not mine. If this is meant to be an honest discussion about what retirement is really like nowadays, then please, if your entire premise is based off the fact that "we need YT income to survive in Bali", that's categorically inaccurate. We're doing plenty fine from our investments. So... what next?

[@AntiTheismForever]

@@JeanVoronkova Thanks for the clarification, even if a little caustic! Perhaps not a traditional job, but you clearly recognize that your lifestyle requires funding and by all outward appearances you seem to use YT (via sponsorships) as a source of income. If not required for income support and just a hobby or creative outlet, why solicit sponsorships? My point was to simply state that, unless you are relying totally on passive income to support your lifestyle, you're working in some capacity. If you are truly "retired" and not working for money in some capacity out of necessity then great, but you don't create that impression. Most can only afford to semi-retire these days, that is work part time in some capacity. Your vid's on the whole don't "annoy" me, I actually like and appreciate the majority of your content. I just don't share your idyllic view of Bali as a retirement destination or totally agree with your themes around being "Retired" and quiting your job to "change your life". Few can do this and mostly enjoy this privilege due to coming from wealthy developed countries as you have.

[@youngdumbfullofcum9642]

Great video. What's your view on owning your own home or renting in retirement? Especially in Bali...that would be a great video. Interested to hear what you guys do... Thank you

[@mcb00m]

I believe they rent. One school of thought is to own real estate in your home country and rent in the country you choose to retire in. Local land ownership laws can be complex and some people have ended up losing their investment.

[@youngdumbfullofcum9642]

@@mcb00m I think that's a great way to do it for sure and is what I currently do but the reality of not having security is also a challenge as well as finding good rental accommodation and hedging against an area shooting up in values pricing you out. In Bali specifically you are able to lease land for 25 years and I wondered if this had appeal to Jean as a half way house between security and keeping it relatively small in terms of capital outlay.

[@JeanVoronkova]

Hi, yes we rent currently and we own real estate in our own home countries yes. Its safer and commands a decent ROI plus capital appreciation. We're looking at some land investments here... but like @marcboomgaard mentioned there's always risks so we're still weighing things up.