🦋 Fast-track Out Of Poverty To Paradise Tips!

[@PrettyJewelryThings]

Hi, New to the channel. This was a masterclass for everyone who is interested in learning about retirement finances. I attended AL Williams (long, long time ago, you're probably to young, Primerica now) became a financial advisor and I have to tell you, you did a great job explaining it. Thanks so much. I'm enjoying your videos. To anyone watching this video I can say after being in the market for over 30 yrs. Lynelle is spot on. Lots of down years but many 35+ years to. I'll be watching. Safe travels Lynelle.

[@PovertyToParadise]

Thanks Pretty Jewelry 🌻

[@PrettyJewelryThings]

@@PovertyToParadise Hi Lynnelle, so sorry for misspelling your name. I am new to the free cruises too. So I'll be watching to learn as much as I can. You're a very good teacher. Send up a prayer for me, I'm getting on the Symphony next Sunday (PC, Coco Cay, Nassau) got a feeling we'll be diverted. My name is Gee. I'll be watching. Have safe travels.

[@PovertyToParadise]

Hi. No worries Gee. It's an unusual name...I can NEVER get pre-labeled ANYTHING. 😂 Oh yes, prayers up. 🙏 Asking for God's will to be done and to keep you safe no matter what happens with the storm!!! 🙏 The ship I'm on now is headed to Nassau and everyone on it is wondering where these storms are going to go! Cruise lines are not gonna put these multi-million $ ships in harms way. #HakunaMatata 💞🚢

[@PrettyJewelryThings]

@@PovertyToParadise Hi Lynnelle, Last year at this same time of year we were on RC Liberty leaving out of Bayonne, NJ. Well a storm was on the way, forget the name, so this heroic captain pulled out of the Bayonne port and parked the ship in I guess you can call it a cove off they NYC harbor. We lost a day in Bermuda but nobody cared. The captain kept us safe! I'll be sending up prayers for you, watch your step if the ship gets rocky and safe travels. Gee

[@casswms]

Hello Lynnelle, Thanks for the link about packing. As a crafter, I don't see me reducing stuff down like you. I am impressed by your accomplishments. I wanted to travel a couple time a year on your wonderful budget of 2k. So I will be following you and occassionally picking your brain. First of all let me say I am also impressed how you travel so many places by yourself. As a black female, I sometime feel frighten to step out to far by myself. I am looking to learn from my younger sister. YOU! Thank you in advance.

[@PovertyToParadise]

💝 Awwww. I appreciate the kind words. Thank you. I've always been sort of a minimalist so it was probably easier for me than for most people. You're welcome & thanks for watching. 🤗🌻🛳

[@brenmckinn]

You're reasonable and not living through rose colored glasses and many of us appreciated that regardless of how much our annual/monthly income maybe

[@catherine8332]

I like your technique: move me to tears 😂 then get down to brass tacks. 💪📍📌 I love how realistic yet optimistic you are. Thank you again!!!

[@PovertyToParadise]

😂Oops! Sorry, not sorry. 😆Thanks for the compliment and thanks for watching. 👋🚢

[@madonnacj]

Great advice....I'm already there and loving it...I just never took a cruise before and wanted some encouragement to just do it. I'm about 25, maybe 30 years older than you, but I have always been a planner of my future. I scheduled a back to back for October-November and IF I like it, I will choose ships for my mode of traveling. I'm staying in America, will continue to play dodge ball with the BS politics, and enjoy life. I make my own paradise. Saying all of that, you are an inspiration for young women of color who simply don't have a clue, and as I see it, SOME don't have a desire for independence and real happiness. Continue living lovely and making your dreams come true.

[@PovertyToParadise]

Thanks for watching and I appreciate your kind words and encouragement. I think it will take everyone sharing what they know as often and as loud as possible to help the next generation build a better financial future. #LiftAsWeClimb Thanks again. 😍😊🚢

[@aelama9]

Continued blessing to you. Thx for sharing and in a way thats so easily undestood. We share a common background so im learning now what i probably should have 20yrs ago. I appreciate ur thought to share YOUR WHY n the foundation for it. So many people need this info n don't even realize it. Thx again n i wish u many safe journeys.

[@PovertyToParadise]

@@aelama9 🌻🌻🌻

[@TravelSpanish-j3v]

I just started my KZbin and moved to Peru 🇵🇪 thanks for this video 😊

[@PovertyToParadise]

CONGRATS!!!! You're welcome. I would LOVE to know if you are near one of the cities on The Earth Awaits and, while it may not be exact, how close are the quick facts (Quality of life, pollution, walk score, etc) to what you are actually experiencing? Thanks for watching and good luck in your channel and your new life! 💞🌻

[@WinningCoachdotcom]

Did you know if you own a 100 shares of carnival stock. They will give you ship credit for each cruise. Ccl stock is currently about $19. So for $1900 dollars you can get extra ship credit for each cruise.

[@PovertyToParadise]

📌Yes, I did know that and have seen others mention it on their channels. So far, it's not for me, but hopefully others will see your comment and consider if that will be a benefit to them. Thanks!!! 🙌😊

[@suzanneakerley1354]

It’s a great perk however my “free” low cost player’s cruise didn’t qualify for the credit.

[@PovertyToParadise]

Aw man! They're so generous in some ways yet so stingy in others! I hope it works out soon. 🙏🌻

[@mstewart8447]

Thankyou for sharing this info, I have lived a story to tell that would be to long to go into, I am now starting to think about retirement and I want to retire early at 62 I am 57 now, I am trying to learn all that I can.

[@PovertyToParadise]

@mstewart8447 You're welcome and thanks for watching. Maybe consider using your story [the parts you're willing to share] to be a testimony on KZbin that could turn into finances that help you retire early. 🌻🤗 This is the course that helped me. ► KZbin Course: groundedlife.thinkific.com/courses/youtube-after-40?ref=34db57

[@autobotdiva9268]

i plan to reitre on a ship as well at least nov-april like super mario and max out the roth ira every year, it sucks but the goal definitely isnt the norm. Excuse me.... my retirement isnt planned around sitting around at home, watching tv, grocery shopping and dr appointments, ill pass.

[@PovertyToParadise]

AMEN Diva! You got things to do, people to see and places to go! 🙌😊🚢

[@jiggyjean9081]

I am your people guuurl! I love your videos!! So much information! My husband and I are going to do this when we retire in November 2026! 🥰😃

[@PovertyToParadise]

Hey guuuurl hey! 👋😆That's awesome! Wishing you both the best...really great that you all are on the same page! I LOVE this for y'all. 💞🌻🚢 Thanks for watching!

[@SharaFaithRun]

so inspiring 👏🏼

[@yourdreamstrategist]

Loved this so much! So informational! Thank you so much for sharing!

[@PovertyToParadise]

Glad it was helpful! Thanks for watching! 👋🏽🤗🛳

[@OrangeDiva256]

This was an amazing breakdown and really provided me with some great perspective. I think most of us are currently traveling down a particular life path but exposure to other ways of doing things can inspire us to make a few changes that can take us to another level. I really appreciate you taking the time to share this particular leg of your journey with us!

[@PovertyToParadise]

Glad you enjoyed it! And I agree. I haven't seen anyone who looks like me living on cruise ships and am so humbled at this opportunity. I know there are so many more roads not traveled that others will find their happy place and I am here for it! #LetsDoThis #LiftAsWeClimb. Thanks for watching and commenting. 🌻🏆

[@JeffMelsonVlogs]

Hey Lynnelle! I really enjoyed this video. You shared some valuable information and will definitely be checking out some of those websites!

[@PovertyToParadise]

You are so welcome Jeff! Thanks for watching and being so supportive! 🌻😀🚢

[@suzanneakerley1354]

Great video Lynnelle as usual. May have been a little advanced for the target audience you started addressing. With our international community these days expat living is more possible than ever. However: We (USA) need YOU to VOTE! And lead and train others like yourself. 🥰

[@PovertyToParadise]

🤗 Thanks, glad you enjoyed it. #LiftAsWeClimb 💯💞🚢

[@carolynchapman2161]

I has the same kind of forever high school to college timeline 😊🎉

[@jenniferjoseph2290]

Thanks for sharing your story I can differently relate

[@tammyshepphard3078]

I would love to hear more on the stock market interest. Thanks

[@PovertyToParadise]

Noted! 📌

[@Shareebysea]

Thank you so much for sharing all this information!! I’ll be using The Earth Awaits, I’d never heard of that. I love Rob and Allie too. I started my KZbin because of their course and their story! My ultimate goal is to retire early and slow travel in 5 years! Maybe I’ll see you on a cruise ship soon😊

[@PovertyToParadise]

Hi Sharee. You're welcome. Glad the info was helpful. I just subscribed to your channel and will be following along. I love your thumbnails!!! ♥ Yes, that would be awesome. Let's hope we can get together soon. 🤗

[@Shareebysea]

@@PovertyToParadise I use canva for thumbnails. So easy and I need easy. Thank you

[@kathycooley4953]

Wow! Thanks so much! Awesome information and explanation. I went back and took notes to use "as Examples" for personal and practical possibilities in my life. Thanks so very, very much! ❤

[@PovertyToParadise]

👋🏽 Thx for watching. You're very welcome! I'm so glad it was helpful. 🎉❤🛳

[@spiritjunkie1913]

Thanks so much. Your are well organized and wonderful teacher! Safe travels!

[@PovertyToParadise]

Thank you!

[@skqq3250]

Lady L., you have hit the jackpot. Cursing full time is a dream and you are doing it well. I’m living vicariously through you!! Keep up the good work.🎉🎉🎉😊😊😊

[@PovertyToParadise]

Thanks so much!!! [I don't curse, so I'm pretty sure you meant cruise.] 😇😆🛳🙌🏽 Thanks for watching.

[@TerryeToombs]

I love this. I try to explain this stuff to my husband (I have an acct degree too, but currently chasing my dream to be an author), and his eyes glaze over and ends up saying "ok, well, whatever you say." LOL He wants to retire in 6 years (he'll be 50). We thought about doing the life on a cruise ship since we love to cruise. But then, about two years ago, I came up with a crazy idea that we've fallen in love with. We're both boat nuts (he even went to school to be a boat mechanic), so I suggested that we buy a boat when he retires and we'll just live on that. So, that's our paradise. :D Thank you for your content. Even for experienced savers, there is really good information here. I had no idea about the earth awaits site!

[@PovertyToParadise]

OMG! Thanks so much for sharing that... I LOVE that for you all! What a creative idea. Wishing you the best on your journey and I definitely understand the eyes glazing over... trying so hard to get my kids to think about their futures and they do that EVERY TIME! 😆 Thanks again for watching and sharing your story! 😍🚢

[@msadventure49]

My husband and I have the same plans. We’re still trying to decide what type of vessel to get. But I can’t wait to live aboard 😁. We’re thinking of starting off our travels by doing the Great Loop!

[@TerryeToombs]

@@msadventure49 That is AWESOME! We've decided on a catamaran just because they are so much more roomy and stable for live aboard. Hubby wants to do the great loop, too! After that, we want to cruise the Caribbean to get comfortable with sailing. And then, looking at joining the world cruise armada that sets out about every 18 months. Best of luck to you and your husband! Maybe we'll see you on the water!

[@TerryeToombs]

@@PovertyToParadise LOL!! My oldest son looks at me like I'm from another planet when I start talking about his future. So, I totally get that! I guess that's just the mom in us, waiting the best for our kids. I think, by you sharing your adventures, and living by example, they'll get it. And thank you, I'm really hoping we can make it work.

[@jeancrain4681]

Thank you for the information..the earth awaits...awesome site.

[@PovertyToParadise]

Glad you enjoyed it

[@sheenac4007]

Great video and information! I'm so happy I found your channel. Being a young sister, this information was so helpful and easy to follow along. This gives hope to retire early ❤.

[@PovertyToParadise]

You are so welcome! Phew! Thanks for saying that. I did my best to make a difficult subject easy to follow so I appreciate this feedback. Thanks and thanks for watching. 🤗🌻🚢

[@lynettej777]

Thank You Father God for Your unfailing lovingkindness, favor and mercy. Please forgive my sins when I attempted to accomplish the trials and tribulations in my own strength and not giving them to You and waiting on Your timing. Your word never returns void. Thank You for saving me from myself, in Jesus' Name. Amen! 🙏🏼 🙌🏽 ✝️ 📖 ✨️

[@PovertyToParadise]

Amen 💞

[@nncadi1]

what a cool website...thanks for sharing!

[@PovertyToParadise]

It really is! Thanks for watching.

[@skqq3250]

Yes I follow Rob and Allie. They are so so good!!!!!❤❤❤❤❤❤

[@PovertyToParadise]

Yaaaaaay! 🙌🏽😊

[@lindajackson9247]

How did you start planning your cruises? Did you use a travel agent, so your cruises were back to back with little time between them?

[@PovertyToParadise]

Hi. Thanks for watching. No, I don't use an agent. I have a link in this video's description that answers your questions: How I Started Cruising Full-Time for free. 🤗🚢

[@lindajackson9247]

@@PovertyToParadise How did you book all those cruises in a roll consecutively, for example month to month, my question was not about how you got the free cruises, bit how you went on the cruise line website to make sure your cruises were back-to-back

[@PovertyToParadise]

Hmmm. This should probably be a whole video, but I have some time so let me try to explain it this way: Example 1 For Royal Caribbean, I had booked my 1st free cruise for April 15 - 22 on Allure of the Seas. Then I got a flyer in the mail offering another free cruise and it had a list of ships and dates. I noticed that Allure of the Seas was on there with several dates, including April 22nd. I saw that was when my last cruise ended, so I knew if I booked April 22nd, it would be consecutive cruises on the same ship. For RC, I don't book casino deals online. I call the Casino line phone number that is on the flyers 1-888-561-2234 . So I called and booked the 2nd cruise making it B2B cruises. Example 2 I mostly booked Carnival cruises online myself but sometimes I email or call my PVP. I go to Carnival's website >> Plan >> Cruise Deals. I can see all the deals they offer me. After I click on one, it lets me know which ships and dates I can use for that offer. If I click on each deal, then click on "Terms & Conditions", I can see that the offers may only be used once, but most times, you can book the same deal multiple times; I have seen up to 8 times! I don't recall, but let's say the deal for this cruise said I can book it up to 3 times. I can see that Carnival Liberty is on that deal for Sep 8, 15 & 22. So I book each cruise 1 by 1, looking to see if the same cabin # is available (usually they were not available but that's OK for me). *Note, I also have a Carnival PVP - Personal Vacation Planner (free travel agent who works for Carnival) and I can also email him and say, hey, Can you get me in the same cabin for 3 cruises on deal XYZ? and he'll email me back and say yes or no. *There are lots of PVPs. I use Chrystian Nodarse ext 83402 (tell him Lynnelle sent you.😊 I don't get credit but he loves knowing he got a referral). Carnival main # 800-819-3902 Does that answer your questions?

[@mli6861]

Wow perfection are you sure you’re an accountant , your videos are well edited ❤

[@PovertyToParadise]

Wow, thank you. I appreciate the kudos. Thanks for watching. 🤗🚢

[@jeanninequarles2620]

Thank you for this video

[@PovertyToParadise]

My pleasure

[@valrice817]

Thanks for the tips to retire early!😊

[@PovertyToParadise]

You bet!

[@disneygirl713]

I LOVE your video! I really want to do this but DO NOT know where to start😢 My goal is 55 and am now 49. I’ve been saving but the majority is in 401k. Is this where you are pulling money from? I would love to pick your brain as I’ve been looking at many videos but, yours was the first I could relate too. Way to go! It’s so inspiring to see someone like me being able to start a fresh new exciting chapter.

[@PovertyToParadise]

Hi Disney Girl! I grew up in Orlando so I REALLY love your screen name. My 1st video showed how I got cruise deals on the low so I hope you will check that one out. Hopefully, this video gave you a place to start looking at your finances? You'll have to decide where you want to live (stay put or move to a lower cost of living) and that Interest calculator should give you an idea of how much $$$ you'll have at 55. I don't give advice and I'm new to KZbin and traveling on the ocean most of the time, so I'm not in a position for my "brain to be picked", lol, but I'll be glad to answer any questions posted in the comments section. Thx for watching. 🙏💞

[@deborahs.halprinp.arealtor8003]

❤❤❤ love your content!

[@PovertyToParadise]

Thank you so much!!

[@MsRiceTravels]

Thanks for sharing! Great info! I do have a question though, if are planning to retire early, before the traditional retirement age, how do you avoid the penalties of withdrawing from 401k early? Or do you just live off savings and other investments until you can withdraw without penalties?

[@PovertyToParadise]

Hi Ms. Rice. 👋 Glad it was helpful. Those are great questions and beyond the scope of this video. 😊🚢

[@Travelingwithjoujou]

Thank you for sharing. How much money do you spend in the casino monthly.

[@PovertyToParadise]

@Travelingwithjoujou Hi & welcome. I don't "need to play every cruise" but sometimes I play. I explain that & show how much I spend in each of my monthly expense videos. Check 'em out on this channel. 👋🏽🛳

[@carolynknisely2383]

Great video!! Do you use Eeabull for your stocks? Which etf s do you like best? What about fidelity. Sorry for all the questions. I realize this is just your opinion. Thanks!!

[@PovertyToParadise]

😊😆No problem, however, those are beyond the scope of this video. While NOT financial advice, I personally do not invest in individual stocks, but in broad / diverse index funds. 😊🚢

[@carolynknisely2383]

@@PovertyToParadise thank you!!!

[@carolynchapman2161]

In your hypothetical calculations is the annual earnings gross or aji?

[@PovertyToParadise]

@carolynchapman2161 🤗💝 Hi. Good question. 📌 Taxes are ignored in this instance as that is beyond the scope of this channel. Each individual would need to decide if they want to include or exclude taxes from their calculation and having a personal Accountant or Tax Advisor might be a good idea. Thx for the question. 🤗🏆

[@LoveRise]

Love your channel and would greatly appreciate you doing a video on other youtube channels that inspired you on your journey and why you found them insightful. Also any books that helped you on your way! Please record that or at least pin a comment with that info for all your loyal subscribers.

[@PovertyToParadise]

Thanks for the feedback. I will take that into consideration. Appreciate you watching and glad it was helpful. 🚢

[@kbf6434]

Get yourself one of those microphones that you can wear. They only pick up your voice & they’re not expensive at all

[@PovertyToParadise]

@kbf6434 I do have one and I was wearing it which is why it didn't pick up as much as I thought it would. I heard way more than what came out in the video. Thx for watching

[@laura7682]

Hi, I think you meant to type and say employers match 50% not 5% .

[@PovertyToParadise]

@@laura7682 No, I did not. 5% of $50k =$2500. There are some employers that will match what you put in, up to [maximum] 5% of your salary. 🤗

[@PovertyToParadise]

@laura7682 @laura7682 You're welcome & thanks for subscribing. I understand where you're coming from as I have been there. Hopefully, you have learned some helpful tips & are implementing a plan. If not, may I suggest the books: The Richest Man in Babylon [there's a free audio on KZbin] & The Total Money Makeover [see list of books in my Amazon Affiliate link in the description]. Those are the 2 resources I would start with today if I were in your shoes. Good luck and thanks for watching. 🌻🤗🛳

[@laura7682]

@@PovertyToParadise I have heard of Dave Ramsey and currently working on my debt snowball but will definitely look into the other book. Thank you so much!!!! 🙏🏼 😊

[@sandrarobinson4448]

I liked the video, but I think your interest rate is too optimistic and does not consider sequence of return risks. I love the thought of retiring on a cruise ship! 🎉

[@PovertyToParadise]

I understand. However, this video is an entry level introduction into getting started doing the math for future plans. It is not an in depth plan and was not intended to cover all areas of financial planning. Thanks for watching. 😀🚢