How I retired at 38 to live in Bali - 5 Money Concepts that helped me get there faster

It took only 4 years of dedicated investing and financial planning to get to my target retirement passive income amount (modest as the target was, but I did start with only a small amount of savings to work off). This is my story of how a decade or so of living simply within my means (generally leading a minimalistic needs-based life) and 4 years of actual action allowed me & my husband to retire a year ago at age 38 and move to Bali to live the best versions of our lives whilst we are still young, active and healthy to enjoy all the activities we truly love.
Timeline: I'd quit my Big Law corporate job before i turned 30. It took me about 4 or so years of wandering around Asia to build up a new set of livelihood skills, learn about different ways of life and philosophies and to crystallize that my own life goal was not the pursuit of wealth per se, but the pursuit of a simple but comfortable life built around activities that was meaningful to me. From that point, the goal of reaching a state where i could comfortably live & do what i wanted in a place i loved, Bali, without having to work a 9-5 or run a business was born. 4 years of dedicated planning and investment action later, we actually actualised our dream and we've been happily living in Bali ever since.
Sharing our story and the 5 money concepts that sped up our journey to FIRE here in the hopes that if your own life goals are similar, then know that it's possible and it could potentially happen in just a number of years.
We all deserve to have a chance at living our best life whilst we're here!
Check out why and how i quit my Big Law corporate career ► • I QUIT my "Great" job ...
Check out our Bali Monthly Costs of Living ► • Our Bali Cost of Livin...
Some finance related books and KZbin channels which I love & would recommend to friends:
► The Psychology of Money: Timeless lessons on wealth, greed, and happiness by Morgan Housel
► The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich by Timothy Ferriss
► Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! (so trite but i suppose this is the easy one that most people take to quickly) by Robert Kiyosaki
► Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones by James Clear
► Sorelle Amore Finance ► / sorelleamorefinance
► (In the Singapore context) Kelvin Learns Investing ► / kelvinlearnsinvesting
► Rareliquid ► / rareliquid
If this video brought a lil something to you, smack that 👍🏼 button or show some 💕 with a coffee ☕️ ► www.buymeacoffee.com/jeanvoro...
📹 Videography & Editing ► Vitaly Voronkov & Jean Voronkova
Thanks for watching!
For more of my Indonesia/Bali videos ► bit.ly/3sgoA2d
We use Safetywing Nomad Health insurance in Bali ► bit.ly/3J0pc4j
Follow Me 😘
Instagram ► / jeanvoronkova
Business Inquiries Only 📧 ► [e-mail]
📹 EQUIPMENT I USE 📷
Sony A7IV ► amzn.to/3Lr7s33
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Editing Program: Final Cut Pro X
🎶 Music: Epidemic Sound
**Disclaimer: This video is not sponsored. All thoughts and opinions are my own. Some of the links provided above are affiliate links meaning I do make a small commission when you purchase using the link. This does not cost you extra. You can also purchase from the brand’s websites so don’t feel obliged to use my link if you don’t want to. I appreciate your support!
Thanks for joining this community!
#fire #earlyretirement #financialfreedom

[@cloudyblaze7916]

Most people don’t realise it, but the secret to retiring comfortably is finding a way to make returns while your money works for you. My dad, as I remember, started saving for retirement quite late, but I know he was making more than 10k returns from his investment monthly and it was completely passive.

[@mohican-jx6fx]

This is really amazing though. I'm curious as to how he did it. Was it real estate? Or he was a market enthusiast?

[@cloudyblaze7916]

Not really. Approximately four years before to my dad's retirement, our family was introduced to a financial advisor. That was the catalyst for the transformation. I believe my retirement income would be on the right track because I've been using the same advisor.

[@albacus2400BC]

I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

[@cloudyblaze7916]

I'm hesitant to make recommendations like this online so I can't drop her contact here, but you could look her up yourself and contact her if you wish. Her name is Sharon Lynne Hart.

[@gregorywhem]

This is amazing. I have great admiration for people who retire early.

[@Riggsnic_co]

This is my fifth year after retirement. I’e been following the 4% rule thing I saw on a youTube channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get really worried.

[@LindaHaire]

Not a lot of people are able to save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.

[@Jamessmith-12]

I’m closing in on retirement, too, and I have benefitted so much from using a financial advisor. I didn’t start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in more profit than some of my peers who had been investing for many years.

[@kevinmarten]

I really need help, please. Can I ask who the financial advisor you work with is?

[@Jamessmith-12]

Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@kevinmarten]

She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.

[@alexandralilley9289]

Success is not built on success. It's built on failure, It's built on fraustration. it's built on fear that you have to overcome. I pray that anyone who reads this will be successful in life

[@saviourmark3153]

Investing in Bitcoin is the best investment any one should think of doing, because it has made a lot of people millionaires. For sure, every investor will be successful in life

[@saviourmark3153]

Because of the economic crisis and the rate unemployment, now is the best time to invest in Crypto and make money 💯. But you have to invest with the right broker

[@maxluna4157]

Amen! 🙏 But I have incurred so much losses trading on my own....I trade well on demo but I think the real market is manipulated.... Can anyone help me out or at least tell me what I'm doing wrong?

[@LoriKatbryn]

Same here, My portfolio has been going down the drain while I try trading,l just don't know what I do wrong

[@saviourmark3153]

Trading with an expert is the best strategy for newbies and busy investors who have little or no time to monitor trade

[@kortyEdna825]

Thank you. Just what I needed to watch. My hubby and I are directors of our farm business and own property, plus small pensions. I am nearly 52, hubby is 55. We have started to save to retire from the farm, and possibly live on rental income, I'd really appreciate you go LIVE and talk about how to earn passive income online and retire comfortably, let’s say $1M.

[@carssimplified2195]

consider financial planning.

[@Justinmeyer1000]

I totally agree, I'm 60 and newly retired with about 1.2 million outside retirement funds, no debt, and very small dollars in retirement funds compared to my portfolio balance over the past 3 years till date. tbh, the role of the invt-advisor can only be overlooked, not denied. just have to do your research in finding a reputable one.

[@Justinmeyer1000]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’AILEEN GERTRUDE TIPPY” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@dimitriliving]

If you have 1 million, you can put your money into a high-yield savings account (5%) and live off the interest in a cheaper country like Bali or Thailand (forever).

[@sadikin3103]

"The instant gratification of those purchases, is it worth delaying your dream life by hours, days, even years?" most important words you have said in this video.

[@JeanVoronkova]

🤓 stuff we all need to think about

[@vaevz]

seriously the best way that has ever been said to me in my entire life

[@bigradwolf5001]

Lamborghini and beach condo, sure worthy of purchases. The reason is -- some purchases contribute presently to a present dream life. Instead of delaying, it's actually advancing the dream life.

[@adrianlatham7462]

A minimalist lifestyle is key, and probably sans kids. Most people I know (myself included) have big cars, big houses, big families and big debts. And it’s a never ending treadmill leading to a heart attack.

[@anastasiab9506]

I think sans kids is the biggest thing here. You can cut off cars, houses, luxury, etc- but if you have a child/children, you will want to give them the best things you can, including education.

[@zsoltkecskemeti7966]

ILOVE PEOPLE GIVING ADVICE WITHOUT HAVING LIKE 2-3 KIDS TO RAISE LOL

[@m.taylor]

And also having good health helps.

[@energylab6277]

Your choices though. Enjoy what you have

[@lemurianchick]

@@anastasiab9506That's on you that you are brainwashed! I went back to get a degree in my 30s and that was almost 20 years ago. They don't encourage students to think for themselves. Get out of the Matrix.

[@Dii86]

I lived in Singapore for 15 years and I realised that its not the place for me to start a family, living simply and retire. So I decided to quit my 9-5 job and went back to my small hometown and helped with my family business. After watching this video im more certain that I’ve made the right decision to leave my 9-5 job in Singapore. Now Im living simply, free from luxury and temptation, I also have more time to spend with my family and most importantly Im able to pursue many hobbies. Namaste!

[@sakshambansal7383]

GREAT, where do you live now?

[@sakshambansal7383]

INDIA?

[@Dii86]

@@sakshambansal7383 Sumatra Island of Indonesia. Things are affordable and low cost of living here. And most importantly I dont feel being chased by time.

[@sakshambansal7383]

@@Dii86 great, I am planning to study abroad which includes spending a lot of money. Should I try moving to places like Indonesia first if there are opportunities to work?

[@noorezmi9192]

yeah i live sometimes at northern sumatra too, its really peaceful there,

[@stevenrldenault7451]

Hi Jean, I wish I had heard this lesson 20 or 30 years ago. I’ve spent my whole adult life caught in the rat race. I admire your courage as a couple to make these life changes. Here in Canada we are taught and encouraged to live to work, a process installed by big businesses many years ago. People like Tim Ferris and Robert Kiyosaki have helped to let a new generation understand there is another way. I give thier books to young people I think will be receptive to such a change. Thank you for sharing your experience, tips and concepts. Please keep it up. One related lesson I’ve learned is to find a partner who shares this desire for a different lifestyle and getting out of the rat race. Steve (66yrs) Manitoba Canada

[@rachelafter30]

Hello Steve, I am glad to hear your stories. I'm currently applying for a student visa from IRCC, which hopefully can help me get a PR afterward. On the other hand, I am also worried about the high living expenses in Vancouver, BC - trying to rent or buy an apartment, working in a company to get local work experience to be eligible for citizenship(I am an entrepreneur and have run my own business for 8 years ), and all that kinds of things. After reading your comments, I realize that why would I put myself into that rat race?! I am still happy to go to Canada to attend school because it will help scale up my business, but I think I will not care about PR as much as I used to. Thank you for your sharing!

[@JeanVoronkova]

Hi Steve, thank you for your kind note and that personal sharing. I completely agree. With the right partner, we become something greater than just two people put together - that idea of 1+1 becoming more than 2 I guess haha. That’s my experience w V, I’ve been very blessed in that regard. Think you prob have one too! Canada is a wonderful place to live if one is financially comfortable there, I hope you enjoy your life outside the rat race there!

[@MayorGabriel]

@@JeanVoronkova aloot rusian and ukrain :)) have income :) nobody ask where its this have this in waleet right :)? look dubai thsi evrywere its rusian ur ukrain citizen strange my dear i hope you grow your chanelll youtube and wealthy honest income your perfect charisma for this vlogger style life

[@MrTC-rv3jo]

Well when u have kids all of her advices are worthless..

[@Mortekaisubscriptionlessons]

@Mmmmm you are offened because of truth and because she's doing better than you. stop

[@SuiGenerisAbbie]

I like the tone of your voice, your ease in front of camera, your attitudes, and yours politeness, Jean. 😀

[@JeanVoronkova]

thank you Abbie dear! hope you're having a lovely weekend!

[@SuiGenerisAbbie]

@@JeanVoronkova Plus, you are so cultured, well-educated and one of the only people who replies to me, too. Well-done!

[@lucaguzman7253]

I'm 42, sad to say I made terrible money decisions growing up, which I was previously paying for, but thank God that I now have the opportunity to focus on my personal financial needs. Currently, I'm devoting every waking moment to my retirement, and I'd really like to retire to Bali with at least $2 million, but the market's up and down isn't helping.

[@shawnjordan2716]

4% rule… only < $2000/mo is needed in Bali. That’s $600K for Bali. I know ppl with just two rental houses… retired in places like Costa Rica.

[@fireeye33]

I'm Indonesian, don't retire in Bali. Don't buy the lies from these influencers. Even I don't want to retire in Bali 😂 I'd rather have millions and travel to Bali during my retirement but never retire there.

[@deea7995]

You are still young. It’s not too late to turn our finances around..

[@AxlKane]

Am around your age and I plan to retire in 4 yrs time. Still not too late. Pick up knowledge to set up a few income streams. 5 years is a gd time than never.

[@AxlKane]

@@fireeye33 Depends on individual.Asians always find it weird that Caucasians prefer to settle to somewhere like Asia. Most told me they prefer tropical instead of having 4 seasons, not to mention typhoons. Some ppl just prefer staying near the beach, countryside, rural instead of cities. I myself prefer staying near the beach.

[@achatwithgoitse]

Blown away by how truthful you are and showing how realistic you have to be to attain your lifestyle. It’s glamorized so much that we end up thinking it’s just easy. You’re the first person who told me the real truth and I’ve been on this journey of wanting to quit for some time now. Now I get to make a more informed decision. Thank you so so much Jean! ❤

[@JeanVoronkova]

hi dear, thank you for this kind note. I'm lucky that after 10 years we got to where we wanted to be and it all worked out. On this path i've met many others like me, for whom quitting and going alternative has worked out - just it also took them years to work things out. Be brave and proceed wisely!

[@bluwng]

@@JeanVoronkovaI am past 40 and closer to 50 I feel I missed the boat. Corporate America is draining and filled with stress.

[@m.taylor]

Corporate America promotes a toxic lifestyle.

[@pariscape]

I quit law in April. Best decision of my life. Thanks for sharing, Jean!🔥

[@JeanVoronkova]

haha all ex-lawyers can get together and form a club i say! glad you're happy about it :) well done on the brave move

[@pariscape]

@@JeanVoronkova 🧡

[@valterdasilva8839]

Hi

[@tahneecoonan]

What are you doing now after quitting law? Why did you quit? I'm a lawyer too...

[@Jocky8807]

​@@JeanVoronkovayeah brave move. I am 52, have passive income of over 30k/mo. Still don't have the gut to do it. 🙏

[@bashirauwal5825]

Thank you Jean for your candor and openness. I admire the job you're doing to help individuals live more meaningful lives. It's motivational. After more than 12 years as a registered nurse, I decided to retire two years ago.

[@andrianaisabella4309]

You're correct, ma'am. Were you a bedside nurse and how did you plan yourself before leaving?

[@bashirauwal5825]

@@andrianaisabella4309 I prepared for early retirement while still in the service, earning roughly $2k from my investment portfolio while attempting to establish more side hustles and extra income

[@andrianaisabella4309]

Wow that's impressive! Speaking of investing I have heard about this but I don't really know how to start and make a good investment. Share more info please

[@bashirauwal5825]

There are numerous investment alternatives available including real estate, exchange-traded funds (ETFs), stocks, crypto but my best advice get a professional lead you into profitable one

[@John-ly8ky]

On this, I absolutely agree with you. Having a financial professional is a great idea if you are interested in investing right now. I can't only hope to earn more money at my 9-5 job; everyone else should as well

[@Mr-sweeny]

Most Americans find it hard to retire comfortably amid economy downtrend. Some have close to nothing going into retirement, my question is, will you pay off mortgage as a near-retiree, or spread money for cashflow, to afford lifestyle after retirement?

[@Dannyholt33]

as most investing-related questions, the answer is, it depends.. my best suggestion is to consider advisory management

[@hankmarks69]

Agreed, the role of advisors can only be overlooked, but not denied. I remember in early 2020, during covid-outbreak, my portfolio worth around 300k took a slight fall, apparently due to the pandemic crash, at once I consulted an advisor in order to avoid panic-selling. As of today, my account has yielded big fat yields, and leverages on 7-figure, only cos I delegate my excesses right.

[@PhilipDunk]

this is huge! mind if I look up the advisr that guides you please? only invest in my 401k through my employer for now, but enthused about diversifying my investments for a prosperous financial future

[@hankmarks69]

'Vivian Carol Gioia' is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@PhilipDunk]

I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.

[@fy4729]

You’re such an inspiration. I find your energy so calming and you fill me with a sense of hope for the future, something that has been hard for me recently.

[@driftingintoretirement]

Love your calm videos Jean. The basics of life are the best way to live.

[@angelinaferrel3619]

.....as early as possible. My dad advised me to take out a private pension in my 20s as well as (being very fortunate to be in a civil service DB scheme)....30 years has gone in blink of an eye and that £100 a month plus annual 10% increase plus tax relief plus growth (there have been a few rocky times) is currently .My husband and I are retiring this year with over $6,000,000 in tax deferred investments. up until 3 years ago we were 100% in the S&P. During bear markets we had a perfect plan. We got an investment manager in our corner and didn’t look at our portfolio for nearly a year and am oh so grateful to my sensible Dad.

[@seanwylie7809]

Wow, this is inspiring. I have seen people who collapsed financially in old age because they did not have an investment when they were still earning. Investing is something that everyone should do for a better future.

[@vincentdurham410]

I’m a young single man and I would love to achieve this level of success myself please is it possible to get to your manager ?

[@angelinaferrel3619]

@@vincentdurham410 Mary Freed Lorenz, is my Advisor, She has been of great help and her tutelage has brought me to a higher understanding of profit generation. You can look up her name online for her page and reach out. I really don’t know if you can hire her also but she is well researched.

[@ishaandevaj5587]

At age of 22 I was earning almost 3 times what my dad was earning, still living at home and my Dad caught sight of one of my payslips one day. Eeek! First he demanded I pay rent to my mum ( ha ha!! ) and he also made me speak with his Co-Op insurance guy. My Dad made me sign up for pensions and savings on the spot, they barely made a dent into my money at the time so I didn't notice the money missing each month. Ten years later when my daughter was born we were able to build her the nursery my wife and I wanted, I bought a new car ( and driving lessons at age 34! ) and quit my job for 3 months to be with my wife to learn how to be parents, all on those simple savings that had grown. The original pension is long frozen but it was a lesson and was replaced with a bigger and better one that I've been paying my own money into at 10% for 17 years, that with my work pension at 15%, the mortgage paid off 2 years ago and debts almost sorted and I'm still 10-15 years from retirement. My Dad kicked my arse about money and he's still going strong at 82 and whie hes not a rich man he makes his money and small pensions he has work for him. He wasn't a financial whizz, he just had a serious knack for good common sense!

[@coffmanleonel6227]

@@seanwylie7809 I think people who suffer are the ones who don't think about their future and don't invest. Investing has really saved many lives and got people off the streets. everyone needs more than there basic salary to be financially secured. the best thing to do with your money is to invest. Money left in savings always end up used with no returns

[@profderek8111]

Thanks for sharing your story Jean. My wife and I have been in the s&p500, both through my TSP and through Fidelity in her 401k. Until 3 years ago, we were 100% in the s&p for over 12 years. Cashed in $300k from the S&P and invested with a full service CFA. We currently have $1.2million in out tax deferred savings, no children. I retired last year at 49 and my wife will retire next year. I can say we're doing just fine.

[@George-hl7jf]

This is cool. I was wondering if investing in a cumulative ETF during this next decade is a sound investment. Or is it better to invest in a distributing ETF (even considering taxes)?

[@profderek8111]

@@George-hl7jf My funds are pretty much diversified. You should probably try algorithmic trading; copy the gurus, more so one with experience of the past bear markets. I copy a chartered financial analyst Josephine Guevara Laporte. Been quite consistent. My portfolio returned approximately 21% in the last quarter.

[@theexpendables3152]

Hi I'm already in retirement and have like $700,000 in a CD account with a very low interest. I only need $30,000 for liquidity purposes(emergency fund) and plan on growing the bulk to over a million. I found Josephine Laporte's official website after looking up her name. Quite impressed at her portfolio and I want to schedule a call with her. What's the fee structure?

[@profderek8111]

@@theexpendables3152 Since it's an algo trading based model, it's very much transparent because you can actually see what assets you have and how much growth your portfolio has achieved. Josephine takes 10% of only the profits, no hidden fees.

[@theexpendables3152]

@@profderek8111 A 10% of profit is fair. I've just dropped a message from the website. I find it better to pay a little bit more for peace of mind than worry about market trends and still get burned. Thank you.

[@joyceho1290]

Yes! The highest level of liberty lies in being able to choose life, instead of having life choose you. Thanks for sharing and your voice is so gentle! I will keep watching your other videos! :)

[@ClubuldeEnglezaYouTube]

I love your journey to freedom. I'm still dreaming about achieving a similar goal. We always think there things stopping us from getting there but as I I can see from your story, it actually takes a moment to realize you just need to take the first step.

[@ACE2015]

Thank you for taking time to do this video! You have a very calming voice😊 I learned a lot from watching this.

[@AS-yg5dt]

Thank you Jean for that warm, educational and inspiring video - love the combo of good food, Bali beaches and fire living- keep em coming 😃

[@JeanVoronkova]

Thank you A S 😄 I appreciate the kind support 🤗

[@flexwingadventures]

Excellent. Tremendously helpful and delivered so well. I love the pace of your delivery without the hype... it's authentic and believable. Thank you.

[@christina7561]

Thank you for sharing what's worked for you out of the genuine goodness of your heart. So often, people keep within the things that helped them, while forgetting teachers and sharing your wisdom with others help the world. Thank you for such amazing tips and the resources in the description links below. So helpful and inspiring!

[@justincheong2829]

Hi Jean, it’s amazing how you have grown since you are that young girl during our NZ trip. Totally agree with you and life philosophy! I had somewhat similar plans pre-covid, albeit different destination. And now, I am tweaking my plans and watching the geo-political situation before the next move. Meanwhile, doing the same back here now. Take care and super happy you are where you are now! 🙂

[@sayyer10]

Very inspirational indeed! People like us who’s just starting out to live this entrepreneurial needs this - very bad! Thank you Jean!

[@JeanVoronkova]

thank you dear, glad the msg resonated :)

[@djmumma]

Thank-you Jean, this video is so conclusive and I love the ideas (also beautifully delivered). I am in search of living a simpler life and wanting to be more authentic. Like you were, I am currently in the corporate world and working towards those multiple sources of income. You are an inspiration - with visualisation and daily actions to get towards those things we want, I think there is hope to get there. Important to enjoy the journey too, thanks again 🥰

[@thefamouscookiedough]

This video was recommended to me and I feel like it's a sign. Thank you for sharing your story.

[@Ferocious923]

If you want to increase your net worth, investing in the stock market is an excellent way to make that dream a reality. The stock market isn’t just a get-rich-quick scheme; it can be a way to build sustainable wealth. However, it is possible to lose (rather than gain) wealth through the stock market. It’s essential to have a strategy in place and to invest in suitable securities at the right time.

[@LogosandLogic]

How so? I’m a beginner with close to no knowledge of how to go about it.

[@Ferocious923]

@@LogosandLogic Stock investing, when done well, is among the most effective ways to build long term wealth. I work with a fiduciary Levi Clemans, a renowned fiduciary. His guidance has given me an edge in the market. Here, reach him

[@Ferocious923]

Leviclemans*•info On his webpage

[@LogosandLogic]

@@Ferocious923 Great. Just had a conversation with him. Getting started immediately !

[@Willycheng590]

Working with Levi is a great advantage for me to stay on top of an information saturated world. It gives me confidence and comfort that I haven't missed something important for my investment. Thanks! Sure, I could probably try to trade myself, but my time is a valuable commodity and Clemans hits the mark for me. Highly recommend!

[@darianbarnett808]

I like this ladies personality I can tell she’s a good person ❤️

[@JeanVoronkova]

thank you Darian! that's kind

[@virginiavargas1649]

Yes, your story is supporting me as well to move forward and looking with optimism to my journey. Your content to keeps me in check! Thank You!🌿

[@kevinwoodruff321]

Thank you, I always enjoy your videos and your thought process.

[@aholibama1641]

Great Video, Success is dependent on the actions or steps you take to achieve it. Show me a man who doesn't have an investment, and i will tell you how soon he will go broke. Investment is building a safe heaven for the future. With the right choice of Investment that has at least 1% minimum risk and with an expert guidance, profit and Intrest is 100% guaranteed.

[@georgenewman2689]

I agree with you. I had a senior colleague at work who was living well but never had an Investment, unfortunately his work was terminated,so he went from living well to surviving with his family.If he had invested when he was still working, he would have had another source of income.

[@georgenewman2689]

Investing is a prior decision to make for the future. If you are seeing this and don't have an investment, please do make plans to invest so you don't end up like my senior colleague at work.

[@marygill1547]

This made so much sense, just like he said " for one to invest, the person have to consider an appropriate choice of Investment with at least one percent minimum risk , profits margin, a mentor and expertise to guide and help you manage your Investment portfolio.

[@halasultan6439]

With the help of Angelina Morris who works with an Investment organisation in England, I have been investing in the Foreign exchange market, Stock, and dividends with her expertise and guidance,she has helped me make huge profit on my Investment portfolio.

[@drewalister9846]

@@halasultan6439 Oh its great to see someone who also benefit's from the services of Angelina Morris indeed it's a small world. She is my portfolio manager and mentor too for 2 years and still counting and I have made profit of 123,795 usd from my initial amount of 5100 usd with her managing my portfolio.

[@zac_vaughn]

Rare to find this level of honesty from expat creators. For some reason I'm captured by your channel, great stuff!

[@JeanVoronkova]

Thank u Zac appreciate this kind note 😄🤓

[@PETERFRITZPHOTO]

This is a thoroughly delightful, low-key but value-packed video, Jean. Thank you.

[@rmarlin]

First time viewer here, I appreciate your simple and common sense logic, combined with a very soothing and calm voice, have a great day.

[@Saigonboi]

Hi Jean, just came across your video and is very inspirational. A lot of food for thought and really puts things into perspective. Thanks for sharing your journey. LIVE WHAT YOU LOVE!

[@JeanVoronkova]

hi Andrew, thanks for the note, i'm glad the msg in the video resonated :)

[@bh9262]

Great Story Jean! The most important step in life to chasing ANY goal, or living your dream life is knowing specifically what you want, and writing it down clearly and specifically, and then move in that direction!

[@JeanVoronkova]

exactly. So many people get caught up forever in striving for "better".....

[@stargazeronesixseven]

Thank You So Much Jean for the Good Advice , especially the part about Enjoy the Journey , not just the destination! Stay Safe & Stay Grateful!

[@lineappidjean.v135]

Highlights,, Reach out to me directly on the contact above 👆more insight

[@linhe6729]

Thanks for the candid video! You hit so many good points on life and I absolutely loved it.

[@brucechavers3848]

Excellent video with excellent information! The presentation is amazing! Thanks, and I always look forward to your videos.

[@JeanVoronkova]

Stoked that you think so, thank u so much Bruce

[@ronaldus2505]

Well done Jean. You’re an example for a lot of us that search for happiness but set unrealistic targets for being happy.

[@JeanVoronkova]

thank you Ronald, i got lucky in life in that i realised early on what my likes and dislikes and what i truly want out of life....

[@ronaldneehao9723]

Thanks for your great advice I appreciate your calming voice

[@fernandomofreita79]

Well done Jean. Congratulations! I wish you and your husband a very long life to enjoy all the things that you love in the world. Fernando

[@dreamywink1217]

So much clear and powerful information in one video, and it was extremely well planned and meaningful. So grateful for this 👏👏🙂🙂

[@JeanVoronkova]

thanks @Dreamy*wink :) glad the video msg resonated!

[@br8979]

You seem to be a lovely, humble and clever person. Well done for achieving your goal and thanks for sharing your story. Enjoy your life in Bali 😊

[@lineappidjean.v135]

Highlights, Reach out to me directly on the contact above 👆more guild lines

[@JabbaBlue]

Omg how in the world you figure it out so early. This is so wonderful. I love it. I will definitely share this to my young men sons. They are also successful young engineers and I wish them to live a fulfilled lives and hopefully they one day meet that perfect partners with the same visions. Thank you.

[@albertor998]

Hi Jean!! Random person here! I watched the full video and I have to say, first thank you for sharing this kind of information, and second, I miss the first and main concept, at least obvious for me while I was seen your video. It gave me the feeling that the moment you met Vitaly, you was loving yourself much more and you were giving love to another person, so the more love, the more abundance, the more money you got. We don't give so many importance to love when we speak about money, but I think that's another variable in the formula. Lots of love for everyone!!❤

[@GolfingGlobetrotters]

Good to hear it is working out for you. I also retired at 38 with plenty of savings and a business plan... in fact the groundwork in place. Enjoyed it for a while but turned out it is easier to enjoy life on a salary. Plus I fell back in love with the daily routine of 9-5. I look forward to putting on my suit now. Hope your retirement stays on course.

[@JeanVoronkova]

haha its good to try out different things in life and the experiences teaches you what truly is your cup of tea. Glad you have found what makes you happy, even if it means a u turn back to the good ole 9-5! we r retired but still actively pursuing our interests, money-generative or otherwise. It's been almost a decade of a non-9-5 life now. I'm never turning back i can safely say.

[@GolfingGlobetrotters]

@@JeanVoronkova True, my FIRE story helped me discover what genuinely drives me personally. The main takeaway from my 4 years in early retirement was that you do not actually retire. You got to work either way, sometimes even more. Moreover, the allure of your interest that drove you to early retirement can fade away once it becomes your new job. I also discovered that you do not need to quit your job to be creative or do something fulfilling. An overall positive attitude is what is needed no matter what you are doing and opportunities come your way. Alternately, you do not become automatically happy once you retire early. Good and bad days are part of your life...you cannot eliminate them. Last but not least - never say never :)

[@klausschumacher7126]

It seems that many want to retire without working before retirement 😂😂😂. Studying until mid 30 and retiring with 38 is nice but what is going on when you are 70 years old? Life is easy and beautiful when you're young but when you pass the 60 you have still 30 years of life ahead and it can be long without money. Look how many westerners are moving to SEA because they can't afford to live in their home country.

[@dougmassey1807]

Thanks Jean for your honesty, history and transparency. Enjoying a Simple Life in Bali is a dream concept for anyone that has been there multiple times. Health and happiness are a close second and to be able to surf a must third. At 71 I am afraid to give the third one up but muscle power or lack of it might just dictate who inherits my 4 Longboards. Maybe I should take up Yoga again but hate working out on the floor.

[@JeanVoronkova]

ahh maybe swimming or bodyboard? I love that lots of surfers surf all the way for as long as they can help it though. I will see myself as being blessed if that's how the last stage of my life goes :) Yoga is great for maintenance tho don't dismiss it too quickly! but thank you also Doug for your time every weekend i'm grateful for the support!

[@shierishere]

Thank you so much for sharing! Exactly what I needed because I really want to move to Bali in the near future. Thank you! ♥️

[@nehagupta-bv8cb]

This makes so much sense, you just spoke my mind. I feel so happy for you 😊

[@WaysideWade]

Another well structured and executed video Jean. It was great to learn more about Vitaly and you as well. Nicely done! ✨🌱🌞

[@JeanVoronkova]

Thanks so much! 😊

[@cryptokeeper1]

I love this my wife and I are in process of doing this after raising 3 boys. So thank you.

[@JeanVoronkova]

all the best! u deserve a great retirement after raising 3 boys!

[@EnglishLearnersHere]

Thanks for all the invaluable takeaways! I'm learning a lot from your awesome videos! ❤

[@blackmamba3427]

Hello Jean..good to see you. Be happy and enjoy your life! Take care and stay safe 🙏

[@cooltrucly]

jean! this video came to me at the perfect time. i like my industry (data science) but i want to do it freelance while living in vietnam, not in a rigid and bureaucratic corporate setting. hearing your transition from big law to freelance has inspired me.

[@JeanVoronkova]

hey! I'm glad you have that take away from my videos! that's wonderful! Dare to dream. Seriously I had so much pain struggling to exist outside of my legal training and work experience but i carved a new path for myself eventually luckily. And no regrets leaving that corporate environment yeah. Vietnam's wonderful we lived there for many years (me 8 V 12) - you'll love it i'm sure. All the best

[@snazzysteveT]

Thanks for paying it forward Jean, I like that you summarize the video with 5 takeaways, very inspiring life story of courage and clarity to achieve your dreams. I haven’t found my target yet. Hopefully one day. There’s plenty of good ideas for me to learn and refine from your takeaways. Another thought provoking high quality video. Looking forward to more!

[@JeanVoronkova]

Thank u Stephen for dropping by! Finding your life goals and targets is in itself a journey that can be both enjoyable and very educational for yourself so I hope you can enjoy that process too :) happy this video msg resonated with u also 🤓🌻

[@HealthyFoodieGirl]

I love that you are living such an authentic life! Bali is an amazing magical place. Can’t wait to go back. I am so happy for you!💗💗💗💗

[@JeanVoronkova]

thank you! feelin' all your positive vibes! hope u get to return to this happy place soon!

[@tuquanvinh]

YOU are a gem! Thanks a ton for sharing. Wish you couple a beautiful life.

[@TalesofTwoTravellers]

Thanks for sharing this, Jean! I’m currently in the exploration phase, trying to figure out what I truly want out of life! It is really hard to separate our own identities and values from others’ and society’s expectations! Unlike you, I haven’t arrived at the answer yet, but your story really inspired me to continue re-evaluating everything I choose to do with my time.

[@JeanVoronkova]

Well i'm also just figuring it out as i go along, i'm just further down the road than you are cos started earlier lah! The world really is our oyster... we just need the confidence to go shape it to what we need it to be. Good luck!

[@POPDATA]

400k invested 🥺 and I only have 3k lol

[@tahirisaid2693]

I’m glad I pulled through, despite the crises. I am retiring next yr at 55 with 3 houses paid off worth 4.5 million . One is my place of residence the other 2 properties will give me $80,000per/yr rent . I will have an income stream of $20,000 per yr through my super which gives me total $100,000 a yr to live comfortably . I have no debts ... Stay Motivated!!

[@tahirisaid2693]

Credits to *ROCHELLE DUNGCA-SCHREIBER,* she saw me through the process. You can glance her name up on the internet and verify her yourself. she has years of financial market experience....

[@florianmadison]

Heard many good recommendations about Rochelle Dungca-Schreiber by some YT channels, Seminars and other platforms..

[@kalesmonroe2556]

That is impossible. You did not have a diverse portfolio or something. Did you invest in a friend's business?

[@kalesmonroe2556]

So someone posts that they don't have enough to retire and you ramble on about how great you are doing? Jesus what kind of git does that?@@tahirisaid2693

[@anjaneudorfer8901]

Hello Jean, this video was soooo calming and in a positive and light way, though still informative. Thank you so much✨

[@luciddreamer11]

Well done, miss! 🎉 Perception is reality.

[@heyitsminy23]

This video is extremely relatable on many levels. Thank you for inspiring us to chase our dreams ❤

[@JeanVoronkova]

thanks for the kind note, i'm glad the video msg resonated with you :)

[@zoltan-gero]

minimalist lifestyle compounds, awesome! and not a get rich quick mindset, really like it! keep up the good work 🙂

[@JeanVoronkova]

thank you! getting rich quick seems to be a thing percolating through the millenial generation now esp w the rise of crypto awareness..... recent Luna drama caused a lot of heartpain to many of these people i believe...

[@rons1245]

Our human capacity is too large to live a regimented segmented life. We are not here to shop but to figure out the power that is in an atom and "is" us. We can do that only by listening to our hearts. Can be scary but nothing was ever achieved without courage. Good on you Jean.

[@mikelee7972]

Now all i have to do is find someone like you!!! I very rarely comment but so many people DONT realize that life is suppose to be lived the way YOU want. I cant wait to eventually travel to southeast asia. all the best!! You truly get it which most people dont

[@yoho5114]

Wow you are so brave 👍🏼 and you are absolutely not wrong about your decision. I’m Indonesian/Java and I love Bali too.

[@JeanVoronkova]

thanks! its not for everyone of course, many ppl think its too slow n boring haha, but i love my own choices!

[@yoho5114]

@@JeanVoronkova I’m quite surprise with your decision normally in Asian culture the parents are very very proud if the children are had a good courier like yourself as a lawyer, but as you said everyone is different as long as you are happy 🙏🏽 but hey with your talent you’re easily get a job in Jakarta 👍🏼 you are a smart girl!👍🏼

[@Madlyn55]

investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good??>>>>>>>

[@Annis-co7vu]

Considering that I am only three years away from retirement, it becomes challenging for me to solely concentrate on the long-term perspective. Despite having invested in reputable companies and having a significant amount of funds allocated, my profits have been stagnant. This situation raises the question: Does the current recession and unstable market offer any calculated risk opportunities for generating profits?

[@AudraZapoticky55]

I understand your concerns, my friend. I recommend exploring passive index fund investing and expanding your knowledge in this area. Personally, I experienced both successes and challenges when initially seeking a reliable passive income......,

[@user-uu2rh7iu1u]

how do I get in touch with this consultant that assist??>>>>

[@AudraZapoticky55]

STEPHANIE KOPP MEEKS, that's whom i work with look her

[@user-uu2rh7iu1u]

Thanks for these recommendations.....,,,

[@fantastic40s]

Jean your story is so incredibly inspiring! I'm so happy to find your channel and start making smarter life choices towards a truly peaceful and rewarding lifestyle.

[@JeanVoronkova]

Thank you so much for the kind note, I'm happy the videos resonate with you 🌻

[@ermabrooks4105]

Found your channel while watching a channel my granddaughter likes….Your voice is so calming and I can feel the peace that you have. I’m 52 and really trying to find mine. ❤🙏🏽 Best in health.

[@user-xp1yd7uc6q]

Love your story! I'm 35,and gonna quit my stable job to pursue my dream abroad. Your sharing really inspired me, I like your ideas very much. We share something in common, I do yoga and financial investment, too~

[@lineappidjean.v135]

Highlights, Reach out to me directly on the contact above 👆more guild lines

[@kateee5930]

Thank you! you gave me real food to think about how i live my days now. thanks!

[@techpodssocial]

Delayed gratification is key to reaching your financial goals early! Thanks for sharing your story Jean.

[@nufrontier]

Jean, once again you've hit the nail on the head with your spiritual yet practical insight on how to live a TRUE quality of life. Real freedom is the ability to have choice, as the universe lives within us with infinite possibilities. Simplicity is truly luxury, and having the passive income to make better life choices is true wealth!

[@MKPhilippines]

Very strong statement "the universe lives within us with infinite possibilities"

[@JeanVoronkova]

i love this comment from you, thank you so much for sharing. Couldn't agree more with every bit of it. True wealth is the ability to choose free from fear and money influences.

[@mattoy1707]

Spiritual?…just advice about doing a job you enjoy. This is common sense, nothing in the least bit spiritual about it!

[@lukeben1596]

Most people venture into crypto to be millionaires, meanwhile i just want to be debt free

[@greggeorge6711]

That's very practical and smart goal, a wise man once said do everything you can to get outta debt, one of his tips to getting rich

[@stevewilliams760]

When you invest in crypto you are buying days you don't need to work

[@maxiecharles2842]

Now is the best time to purchase and invest in bitcoin, stop procastinating.

[@popsarah7805]

Crypto currency will outsmart the banking system in the nearest future serving as a global fiat. Already making over 85% profit from my investment.

[@henrynoble7011]

Wish I knew about crypto trading earlier. Brace up and get yourself a bitcoin before it's too late.

[@dennyoviedo4102]

Wonderful explanation, good for you , and your husband.

[@The_English_Castle]

Loved your video.Its my story too.People like us are rare but its good we connect.

[@LifeinLao]

luvely said and I luve the way you talk and express the points. luvelyyy and nizooooooo

[@JeanVoronkova]

Thank u 🌻🤓

[@jackgoodman7036]

You are not retired you are a digital nomad.

[@ryblinkaway]

If retired at 38 and all I do is travel and go from place to place. After 5 or so years of travelling, I would want something new to do. Something that gives meaning to life. That's probably just me though

[@MrMultiMediat0r]

For a former corporate lawyer, I'm sure that feels like retirement

[@mactravel112]

yup. And need a a career to actually retire from. Quitting your job isn't retirement.

[@broderickgk]

And you are nothing Jack Goodman. Quit hating on people and let them call themselves what they want.

[@abdullaheusufzai4149]

What an inspiring story! Have a nice life Jean! Good luck!!

[@MarceloNajar]

Thank you for sharing some good pieces of advice. Bonus with a relaxed calm voice that makes it a delight to hear for

[@lineappidjean.v135]

Highlights,, Reach out to me directly on the contact above 👆more guild lines

[@LarkspurLea]

Love your videos Jean, you have really worked through a lot to get to where you are now, it’s really inspiring and I look forward to learning more about your journey as it unfolds. All the best!

[@JeanVoronkova]

thank you Simone, I am grateful for your kind note. If you're thinking about something similar as well I wish you all the best for your own journey! I'm sure it'll be an exciting story :)

[@pierrechang55]

Jean, 2 questions: 1. can you breakdown your rental property income and how can you afford to own it in only 4 years+ building wealth? 2. how about children, can you continue with your current lifestyle with children or you need to sacrifice by not having one?

[@aba7132]

That's exactly what I'd like to know too, how many children she is raising. F.I.R.E. is very attractive for a while, but children are one of the greatest sources of happiness. Many people are too late to realise this. In other words, could this lifestyle be achieved with children?

[@manueldalcol201]

KZbin money. You can't safe shit with a diving school in Vietnam 😂

[@mirandaprojections9409]

@@aba7132 many people can do FIRE with children if you research the community. Also, many people find great happiness in not having children as it provides them freedom (childfree often have learnt this and make the choice of freedom/money/opportunities over children).

[@lmizell152]

This lifestyle could not be achieved with children! We got to wait until they turn 18 and get out!

[@user-nl2sz9wq3h]

@@mirandaprojections9409 you certainly not a mother. I am pretty sure i never met a 60 year old single and happy.

[@Meecheer]

Jean this is such a great video ! Thank you so much for sharing your journey to get to where you are.

[@anastasiatoska3414]

OMG YOU ARE STUNNING and your voice is so soothing

[@adde65]

Some of us are lucky enough to have choices in life. Your lifestyle might not be for everyone, some people would miss their job routines, the hustle, being around large families or friend groups. But it's important to be aware that we have other options...well, many people around the world don't, but that's another story. I've worked as a musician for most of my adult life, and generally speaking I've had less security and money than other people, but I enjoy what I do. My kids learned to be financially independent and are following their passions in life. I see a lot of comments about not being able to live the life you want with children, and having to "give their children the best possible opportunities" etc. But I don't believe that has anything to do with making big money. Most kids get a decent education in public schools, and they need parents who are present, loving and consistent, not rich.

[@JeanVoronkova]

Hi, thank you so much for leaving this comment, I really appreciate your note and it resonates deeply with me. I admire your courage to pursue a life in music out of a place of passion, even more so that you have kids. Yes you're right, so many people just automatically write off the idea of pursuing a life that truly resonates with them "cos they have kids, duh" - but on many levels that's really just an excuse. Sure the financial threshold automatically gets higher, but its not unachievable, and like i keep repeating, many people around us here in Bali are here with their children. They just dont YT. And yes, I do think how their kids turn out is not just a matter of education but also how their parents are with them - it's especially clear here when things are so flexible wrt to their education and daily schedules and everything. I think your kids will benefit greatly from your outlook in life. Thank you for sharing your story. I hope more people read this.

[@adde65]

@@JeanVoronkova thanks for an inspiring video and your kind response.

[@songtian]

Thank you for speaking up about alt choices in life I look ard and see ppl living n walking down a pre planned life or so call good life And they dun seems to think there are other routes in life Hope more people can see this msg u are trying to convey

[@JeanVoronkova]

thanks Song, u really are a kindred spirit. Its ok if they are happy in that pre planned life. SG govt is damn good at pre planning our lifes for us hey hahaha.... but the sad thing is if they are actually not happy and feel stuck but fear moving out of the mainstream.

[@chrhin6576]

Hi Jean, we are from same country. I really admire your simple and purely happy life. Has retired financially independent and moving towards your path.

[@TheJMedia]

I admire the courage to give up a steady job, and pursue a whole new life in a foreign country! Great advice!

[@timcophoto]

Sooooo good Jean! What a great breakdown! Loved this. I've been seeing your videos popup on youtube here in bali and it was awesome to hear your story. I am 36 and right behind you I think! Katrin is 28 and is basically going to make both of us look like we weren't even trying haha.

[@JeanVoronkova]

haha thanks Timcophoto! I'm glad the video resonated with you guys :)

[@gabisedyciasss]

You just radiate serenity - what an inspiring life you have had. My wife and I are on the same pursuit as what you and Vitaly have achieved. Currently on the growing the courage to quit the societal norm city lifestyle step and save every penny. All the best, and much love!

[@JeanVoronkova]

Hi Gabriel thanks for the kind note 🤓 actually after posting this I flew to Singapore and I feel like such an odd duck in the midst of this hustle and bustle here! I do think taking your courage in your hands to go against the grain is one of the hardest parts of this journey we’re on perhaps, maybe more than amassing the money, but the good news is that it does get a lot easier down the road (when all the naysayers see that you didn’t just starve to death and keel over 😅) good luck!!

[@gabisedyciasss]

@@JeanVoronkova Haha I’ll keep that in mind, thank you!

[@ganpeace]

Thanks for sharing and living your dreams. Many of us just dont step out our comfortable zones.

[@freetowander]

Great vid, and love the quotes! It totally resonates with our life choices too and we admire your journey, it is an inspiration, keep it up!

[@seanriley8448]

Jean, thank you so much for this video. I need to bookmark it so that I can watch it everyday. The information you share is something that we as hamsters on the wheel need to hear everyday. Thank you again. See you next Saturday.

[@JeanVoronkova]

Thank you Sean, I’m really glad that my sharing made a difference and helps you. It’s all a bit personal n we’re pretty private so it took me a long time to make this video, but now I’m happy I did!

[@thebrinksf69]

Thank you for telling your story. I found it interesting. As far as education on how the rest of us can do it, I find it doesn't work when you say just work great paying jobs and do things smart. That's easier said than done. If you're smart enough to think of something that makes you money, that doesn't mean the person next to you can. That's where the rest of us suffer and why we can't do what you do.

[@lineappidjean.v135]

Highlights, Reach out to me directly on the contact above 👆more guild lines

[@george_speaks]

Amazing story. Very inspirational. Thank you for sharing.

[@BuzzSargent]

It's been a long time since I viewed your channel. Good show and well produced.

[@EndlessTravels]

I personally invest 70% of all income and love a normal life By 28 I was pretty much set People seem to spend more than they earn and don’t think of the figure that’s the real peoblem for most