Life’s a beach for this Florida couple who retired at 29 | FIRE Starters

Steven and Lauren Keys retired from full-time work at 29. Now they spend their free time traveling, pursuing their hobbies, and enjoying nature. See how they avoid dipping into investments as FIRE Starters.
The couple runs the blog Trip of a Lifestyle: www.tripofalif...
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[@ChrisHrich]

I love Fire Starters! We need more episodes!! They’re so inspiring!!

[@andrewcouper770]

The food thing gets me with fire. It’s not a good idea to eat noodles and bread long term, you are investing in your health, way more important than money

[@grit1679]

My joke that always triggers the FIRE crowd: FIRE: Living on ramen the first half of your life... ...so you can live on ramen the last half of your life.

[@andrewcouper770]

@@grit1679 lol too true!

[@kathrynmccarville1737]

What a cool couple

[@jasminarakawa]

What a smart & resourceful couple! Go gators!!

[@jim5128]

I wish them the best. Stay healthy. Getting sick or injured will get your raked by the US healthcare system and leave you with a ton of bills.

[@JudgeyJudgeyable]

Its crazy that their condo only costed $71k but they can rent it out for $1600/month. In Toronto, a condo is probably going to be minimum $500k for a 1 bedroom, and rent on a 1 bedroom condo is about $2000/month +

[@quocguy]

Man I like seeing these stories but I can’t help but think this all changes if you ever decide to have kids

[@autobotdiva9268]

they are living happily and stress free

[@derwinmitchell9947]

It can be done, but so many people love keeping up with the joneses.

[@dylanwilliams6095]

"We don't spend money, we like to play games." Then proceeds to show the biggest money sink of them all in Magic the Gathering cards!

[@SoleroStrike]

As a MTG player I joke about this because I met a guy who claimed to be a former drug dealer and I asked him how much it costs Drug Addicts to buy drugs and it was significantly less than I was spending on Magic the Gathering as a nerd lo.

[@marias.8166]

Inspirational couple

[@highpeaks3598]

FIRE is great, but do not destroy your health with cheap low-nutrition meals. Spend slightly more on healthy meals, so you don't lose your heath. What is the point of wealth without health?

[@laurenrito4212]

Awesome lifestyle choice!! Thanks for sharing. Love FIRE info

[@MyLifeThai371]

I met a guy last summer who retired from working in Tampa Bay, Florida at the age of 52. He saved up and paid cash for his condo, before he retired.

[@GauravSharma-si8fg]

Retired at 29!!!!! I am not able to comprehend this... or is there something I am missing. This is the age you START not STOPPPP

[@Mjp612]

I’m in the Tampa Bay Area and almost fire myself. Good stuff! Do you guys have a blog or channel?

[@joshovermyer]

They do! Just search for "Trip of a Lifestyle"

[@mylifethaidiy7045]

I met a 52 year old guy last summer that retired from Tampa Bay as well. He had saved up and paid cash for his condo.

[@TripOfALifestyle]

👋

[@Mjp612]

Subbed:)

[@tylergnosis2581]

Respect the hustle

[@DeanBKK]

I'd admire their tenacity to stay frugal and retire early. But there's some things that aren't addressed, such as... health insurance and health care costs? Do they plan on having kids at some point? This 1 van isn't going to last forever. So what happens when the time comes to buy a new (or used) car?

[@mnslife8160]

They have half million invested and few other assets like house that product cashflow and works a bit to, by not touching the dividends they get from investment. This couple is so far ahead of others in their 30s in term of financial stability.

[@getinthespace7715]

Nice. I'm looking to retire early but my wife and I aren't disciplined enough to live how these folks do. Definitely something to work towards. Our goal is to get to 1 million invested in the next 10 years and I want to build a few rental homes using cash.

[@nynick716]

Good stuff

[@kurdi98k]

What about Health insurance?

[@gabesmith9171]

1:06 *cue multiple paintings and octopus wall hanging* Jk you guys are awesome

[@christinab9133]

❤❤❤

[@Kwisten050]

I need more details...what about inflation? Insurance? If they're withdrawing from a brokerage account don't they pay capital gains? 🤔

[@tanko.reactions176]

4% rule accounts for inflation. insurance you will probably have to pay out of those 4%. so make your investment goal such that 4% of it covers all that you need to live and some more!

[@Coda1850]

Health insurance?

[@lal5555f]

They have health savings accounts

[@Coda1850]

@@lal5555f that's used for payment, not insurance.

[@JustinLewis7326]

Obama care

[@Fred-yd9md]

If a guy has such pretty wife, nothing else needed

[@lucashileman9640]

Pokémon Stadium 2! What’s your favorite mini game?

[@TripOfALifestyle]

Gotta be the one where you count the stampede of Pokémon

[@genev3358]

One question that they should have asked this young couple is how long would this early retirement last if they had children

[@casienwhey]

What about health insurance? What if one of both of them gets sick or hurt and needs full time care? What if the stock market falls by 50% or more? Do they plan to have kids? $500K would not even be close to enough for me to think about retirement.

[@MattBuysHouse]

congratulations....good smart couple, foxy gal too..

[@amberledab9017]

It's nice but to be with each other 24/7 would drive me crazy

[@jackstar254]

-_- They are not retired at all. They still work but just not for a company.

[@bossywossy111]

Beautiful woman who plays mtg, that's the dream.

[@Bleys0072]

Dude who thinks paper MTG is "pretty cheap" LOL

[@tanko.reactions176]

this is staged bro..

[@Bleys0072]

@@tanko.reactions176 You mean they don't have a camera crew following them around 24/7?

[@mattmanson1077]

Now that there have been big corrections in the crypto market, NFT has been growing in all aspects, I strongly believe that the digital crypto asset NFTs will take over the market in no time

[@brownx5694]

1 week I've spent 1 eth on gas

[@berlynhale3780]

That's why I'm only interested in crypto trading and i have been making huge profit ever since then.

[@musabbikhmir958]

I would love to get into the NFT market but i don't really know how it works, I think cryptocurrency is more better

[@carlossantiago9316]

To be lucrative in investing, you need an expert to guide you , most times it takes years to master this so i choose to work with Mrs Charlotte Jones' one who is ready for positive ROI

[@cynthiadavid8105]

How do i reach her?

[@Polostar79]

Not sure why they’re considered FIRE when both still work.

[@b0rtie]

I think they could be considered barista fire? Their part-time jobs pay for some of their expenses, while income generated from their rental property helps covers the rest.

[@dwj9099]

She could be doing a lot better than this guy.

[@thangvo2118]

She’s cute, deserves better.

[@Polostar79]

Ouch

[@tanko.reactions176]

"deserves" - on what merit? what makes you think he is not meritorious? he is a financial genius, leagues above you. one could argue that he deserves better.

[@JustinLewis7326]

dude looks 45

[@bryantkobe23]

Ok the husband is a talker, the wife doesn't look comfortable at all. If they don't plan on having kids and inflation stays low, for sure, but you never know. Half a million is not a lot even if living frugally

[@joshovermyer]

The money is invested. They're making money with very part time work. Not even touching nest egg, plus they maintain very low living expenses (and have a paid-off home and paid-off rental property). They'll be just fine

[@joshovermyer]

@@slydawwg you're the dummy, spammer

[@bryantkobe23]

@@joshovermyer a paid off home and rental has to be at least $800K total? $800K is 2 of them for 10 years at $40K starting salary in addition to have an investment net egg of $500K. That is $1.3MM in 7 years (they are 29) between them NOT including any other expenses. I would like to believe them, but honestly I think lots of things are either fabricated by them or they are hiding their true source of wealth. Call me skeptical but I like to find someone who can replicate their success according to what they say, my guess is probably they inherited the wealth.

[@joshovermyer]

@@bryantkobe23 why does it "has to be at least 800k"? It was less than half that when they purchased, (both in cash by the way)

[@bryantkobe23]

@@joshovermyer ok you mean each is only $200K? Call me cynical but I have a hard time believing them... you also need to factor they had the money eg at least $400K in cash when they purchased it several years ago, it simply doesn't add up, esp when they first bought the condo

[@CelesteJem]

Lauren, you’re way too beautiful for this, I’m sorry!

[@aronortiz1509]

Don't be mad because you're broke and don't have a man.