Money Moves to Make In Your 30s to Retire BEFORE Your 40s

[@OurRichJourney]

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[@Erika2]

Keeping expenses low is key! I had $200,000+ of student loans and my "secret" to paying them off was to never allow myself to think I wasn't still a broke student.

[@OurRichJourney]

GREAT TIP!

[@Erika2]

Our Rich Journey thank you!! Great video!

[@od4407]

That sounds similar to mine, though I'm still paying my debt I including my home and will be done by November with close to 200k paid in 2.5 years

[@StevieBrummer]

So true!

[@mudderdrummer]

same! had 140k of student debt in 2006, Iived Iike a student for 5 years after

[@faithalonekjv5123]

Ummmm. #1 Marry the right person who is trust worthy and shares your values

[@OurRichJourney]

Excellent point!

[@NickOloteo]

Faith Alone KJV insanely hard now a days with most young women being feminist communists...

[@Illalcap]

Facts💯

[@littlemissess8942]

@@NickOloteo lol feminist is not the problem but men with minds like you that want to blame your problems on women.

[@alantinoalantonio]

@@littlemissess8942 contrary. Feminists blame Men for everything and don't value. That's why divorce the rate is ridiculously high.

[@MawiyahJ]

I’m 44 and I’m just becoming financially literate. Your channel is very helpful!

[@OurRichJourney]

It's fantastic that you're becoming financially literate. It will allow you to take control of your investments and grow your wealth! So glad you're enjoying the channel!

[@lob1523]

Don’t feel bad it’s a hard world yo navigate even when I think I know about something a whole other world of finance opens. Good luck on your journey.

[@GraceAloneThroughFaithAlone]

@Mawiyah Johsnon I know it sounds cheesy, but it's NEVER too late to start! Good luck to you in your journey, and stay "true" to your path.

[@MawiyahJ]

Brandon Riley real talk!

[@JessicaHicks]

👏🏾

[@KevinConwayChannel]

You all walked the walk unlike so many other "gurus." Love it.

[@OurRichJourney]

Thank you so much for the love Kevin :-)

[@HiddenFreedom]

I didn't officially start until 35. So, it's never too late to start. That hospital story is crazy and scary. Glad things turned out okay!

[@OurRichJourney]

Very true....its never too late :-)

[@kbmoyo]

Good luck to you, I started last year at 35 also

[@gerryo25]

I'm the same way I'm currently paying off my credit cards and paid off two and have two more to go I'll be done in May. Student loans are next I'm trying to find an additional side hustle to pay it off faster. I'd love to retire by my mid 40s.

[@Tatiana-cd1vu]

I am starting this year at 35 as well!

[@HiddenFreedom]

@@Tatiana-cd1vu Congrats!

[@DividendGrowthInvesting]

There are very few youtube channels out there where I learn something new in each video.. I feel more educated and motivated after every single one of your videos!!!

[@OurRichJourney]

WOW! That is a huge compliment. Thank you for making our day :-)

[@Amanda41288]

Great video. My goal was to be debt free by 33 (April 2021). I am well on my way to actually be debt free in 2020!

[@Je.rone_]

*I may be 23 but the last 7 years went by fast best to prep for what's to come if I make it through the next 7*

[@HiddenFreedom]

Wait until you're 43. Time will go by 3x faster. It's like a roll of toilet paper.

[@OurRichJourney]

LOL! Like that analogy :-)

[@Je.rone_]

@@HiddenFreedom If it moves any faster I'll cry literally

[@SomeGuy699]

3:28 This is crazy ! In Portugal I spent 2 weeks in the hospital with pneumonia and didn't pay a penny thanks to the national healthcare system.

[@marabookstagram]

So many Americans go bankrupt due to a medical emergency. It's truly awful!

[@OurRichJourney]

YES! Its really terrible that one visit to the hospital in the US can lead to financially ruin.

[@AK-ni3qk]

Yes i heard in america its terrible health carw syatem. Such prices and need oay insurance and even having ut will not save you. Why people not leave america? More i find out how bad it is there mkre i wonder why people stay there.

[@AminaMirsakiyeva]

Thanks to the taxes people pay.. :) Americans pay in return less taxes

[@gigglegagaing5]

Hahahaha the states has a terrible healthcare, tell that to the third world countries, if they understood what a healthcare system is. Everybody just pays everything out of pocket. So, be thankful for that crappy healthcare. I did my BA and MBA in Seattle and i am beyond grateful when i have that 30k hospital bill, that crappy healthcare cover this international student’s bill. I only paid 50 bucks cause of the copay.

[@tantramantra1]

You two are Jedi Masters of personal finance.

[@OurRichJourney]

Awww...thank you so much! You are so kind :-)

[@al_sah-lep3475]

Turned 31 few months ago!!!!! Let’s goooooooooooooo!!! One credit card away from debt free!!!

[@OurRichJourney]

Yes, yes, and YES!!!!! You're on your way!!!

[@alexsmith2190]

I’m 24 now and watching your videos are so helpful... you guys are dropping gems for me and my goal is to reach financial freedom in my early 30s. Thank you

[@jamesndelilahpinckney914]

You guys are such an encouragement. My wife and I are in our mid 30s and with a handful of kids. I lost my job a little over a year ago and though I’m employed again the pay cut was a big wake up call to getting the financial part of our life together. So glad I stumbled upon your page. Blessings to you both.

[@nnekaroberson6489]

Health insurance is so important after I had my daughter I found myself in the hospital again. My bill was around $100,000 thankfully I had health insurance. I will always have it as well

[@OurRichJourney]

Insurance is a must. Thank you for sharing your story :-)

[@innocentiuslacrim2290]

My child ended up in hospital some time ago. Total of 8 weeks there, 3 weeks in intensive care and several surgeries. Luckily we live in Europe and total bill was around 200 EUR and state compensated us for some lost income from the time we had to stay at the hospital and could not work. Need for insurance very much depends on where you live.

[@AK-ni3qk]

In Europe kids get free health care and we do not uave heakth insurenece available in our country even if u want u can not buy. When u need doctor you pay. But pregnant women and children up to 18 y old get free heakth care. Give birtu for free. And if even need pay as adult its just 25€ per day in hospital and does not depend what they have done there :) and to call out ambulance is for free - have fever or cut finger or anything.. u have ootion deive with ur own car to hospital or call 112 and drive fast qnd for free :) We live in Latvia

[@journeywithchi1415]

My partner and I started investing into our Roth IRAs for the first time this year. Super exciting! I'm so glad we're on the same financial boat when it comes to our mindset of investing, paying down debt, and living within our means

[@OurRichJourney]

That's incredible to be on the same path together - with the same mindset and the same goal in mind! Happy FIRE journey!!! :)

[@lashawn369]

Sounds like a keeper.

[@LakshayGrover]

You guys have changed the way I foresee my high 40s. I’m in low 30s and am so glad I found your channel. 😊 already doing what needs to be done, for the most part.

[@JasonAThornberry]

My journey didn't kick into high gear until I was 25. 401K (maxed), Roth IRA (maxed), Investment account, eREIT, small business and an IUL in place since 26, 100% debt free at 27, rental properties coming in the near future. 30's and beyond are going to look pretty good

[@moumini5my]

It is so cute and lovely to see the heart emoji popping up when Christina talks about how she and Amon have a common goal, same background and how fortunate they have the same set of financial goal..You made my day as always...God bless you ...

[@OurRichJourney]

Awww...thank you for the love and kind comments. Enjoy the rest of your Sunday and blessing to you as well :-)

[@moumini5my]

@@OurRichJourney you enjoy yours as well ...you guys are part of good things that happened to me this year...a blessing!!!

[@mrsinnizter]

Hey hey hey my favorite couple and mentors I been living on your channel I have to drive for an 11 hours out the day and I'm soaking up everything y'all speaking on love you guys keep up the great work your favorite trucker

[@OurRichJourney]

RIGHT ON! Thank you! My brother (this is Amon) is also a trucker. Him and his wife drive as a couple. Be safe out there.

[@minac7777]

My husband and I are 30 and we are ready to start our fire journey!! Love your channel new subscriber!

[@NaeOnYT]

I teach English and life skills to immigrants. We went over medicine and health care these past two weeks, and it was SO HARD because it's very different from what they've grown up with. And it's tough to wrap your head around something like that $100,000 hospital bill you mentioned. People who want to FIRE really need to think carefully about healthcare!

[@OurRichJourney]

Great point! Thank you for sharing :-)

[@zeynand4039]

As a european it's very haed for me to comprehend too. How do you 100k for a health bill it would make us go bankrupt for the coming 50 years because we don't make as much money in europe. We also jave alot of pretax and pensionplan deducted from your income with every job you have.

[@mphomolapo1562]

@@zeynand4039 A 2-3day hospital stay for GIVING BIRTH--like the most common thing on earth--starts at like 20k. My statements for the c-section that saved my life was $4,200. *This is WITHOUT the hospital stay, pain medications & other charges.* ..I wept on my sweet husband while he (unsuccessfully) tried to remind me it was covered 🙈 (i also come from Public Health Care country).

[@od4407]

My wife and I arent interested in retiring early because we love our jobs too much but your channel has been so informative. This will be year 2.5 of going all in to debt destruction. By november we should be debt free and will have paid close to 200k in debt! Both of us received good raises at work along with both working side hustles (there periods of times I was working close to 80 hrs a week) to make this happen! After this we will begin going all in to investing and hope to have the ability to retire in the next 10 yrs if we wanted but keep going after! You 2 are awesome!

[@OurRichJourney]

Wow - thank you so much for sharing your amazing story!!! Congratulations on destroying your debt!!! November will come by so quickly - and to have paid off $200K by then is AMAZING!!! AND - what's even more amazing - is that you and your wife already have the side hustle/hard work mentality to take the money you were throwing towards debt and begin investing it!!!

[@alexadnan1032]

100k for a 7 days stay, that's insane, our health system in the US is broken beyond repairs

[@OurRichJourney]

Way too much for a hospital stay! :(

[@alexadnan1032]

@@OurRichJourney I know, where overseas you can spend $1000 max for a similar treatment

[@passionspotatoes9182]

That is ridiculous, but apparently free healthcare is considered socialism in the US. Here in the UK you don’t pay a penny, it all comes out of your taxes

[@elninjaloco]

The trick is not to pay and negotiate, regardless if you do or don’t have insurance. Had rabies scare. Quoted 50k for immunoglobulin and 3 boosters. Said no. Paid 400.

[@alexadnan1032]

@@elninjaloco you are the man, true they take $400 rather than nothing

[@miboeck]

Totally agree with you on insurance. You never know when you need it and it protects your assets

[@daheni8857]

I'm a little late to the party. 32 but no debt and maxing out those three pillars!!! Thanks for the encouragement

[@cyndigirl418]

I'm so glad that I found your channel! I'm in my forties, and it's taken me THIS LONG to get serious about my finances! No time like during a Pandemic! You're video's are great and very inspirational! If you did it, SO CAN I! 💪💪💪💪💪

[@jadexplores2100]

Oh how I SO wish channels like yours were around I was into them 11 years ago (just turned 41). Better late than never! Great content as always :)

[@OurRichJourney]

Thank you so much! And happy birthday!

[@jadexplores2100]

@@OurRichJourney Thank you!!

[@crsmechanical1751]

I really appreciate you guys! I just finally listened to the ChooseFI episode you are on. It’s so good, such good information

[@OurRichJourney]

Thank you Chris! So glad you're enjoying our videos!!! Thanks for watching!

[@joselivingroom5951]

NO FUCKING CAP, you guys make videos that dont lose my interest and are amazing quality! Thank you for what you do!

[@PassiveIncomeTom]

*Nice work! Having a plan is key but having shared goals is even better!* 👍

[@OurRichJourney]

YASSSS!

[@AaronHernandez-xv4qh]

My favorite youtubers hands down. I’m glad you guys speak about the journey together and my wife loves y’all!

[@OurRichJourney]

Awww...thank you so much for the love :-)

[@shesxcoralis4816]

It’s amazing to have a partner to work on becoming financial freedom, it’s hard when you are a single mom with student loans. Now I will be paying it because of me deferring the loans n doing low income base. Definitely taking the info your giving. Just going to be a very hard journey. I have 50,000 😑

[@OurRichJourney]

One step at a time - You can do it and we're rooting for you! :) We recently did a video on debt that you might find useful! You can check it out here: Destroy Debt Now! A Simple Plan to Pay Off Debt and Begin Pursuing Financial Independence - kzbin.info/www/bejne/nXKtpnuQeslrfM0

[@joalaska7165]

You guys are awesome. I asked you if you could cover things like this and here it is. 👍👍👍

[@OurRichJourney]

Thank you! And our pleasure :-)

[@hispanocubanoamericano3388]

Ready,Aim,F.I.R.E.! You rock guys! An outstanding achievement indeed!

[@KBrown-qm9xc]

SOOOO basically I have 2yrs to find a significant other with similar financial goals....GEEESSHHH LMAO!!!

[@turtlex4866]

I started my journey in the late 20s.

[@OurRichJourney]

That is awesome - you are way ahead! :)

[@auntiedeesorganizedrandomn976]

Thank goodness you mentioned people in their 50s....I'm on the catch up program 😭😭😭😭💀

[@OurRichJourney]

LOL! 50 is the new 30. We were talking you :-)

[@auntiedeesorganizedrandomn976]

@@OurRichJourney🤣🤣

[@lisaadams42]

I'm 52. It's not too late to save to have a nice retirement.

[@auntiedeesorganizedrandomn976]

@@lisaadams42 Thanks for the encouragement. I'm learning a lot.

[@scottnorris2411]

@@OurRichJourney​ @Our Rich Journey I just found your videos this week. I just subscribed to your channel. I just turned 51 (December 31st, 2019). I just opened a 403B, April 2019. I just opened a Vanguard account January 2020 and started an IRA. I just started having hope for a financially secure retirement. Thank You for all the hands on information you two are providing everyone. I'm pretty positive that you two are helping a lot of people understand investing. Your videos are truly the best, I have seen on KZbin for investing. Fun, easy to understand, extremely informative and uplifting. Congratulations to your entire family for all your accomplishments!!!!

[@rjam3810]

I like this couple. Same goals and now they can enjoy and still earn.

[@truthseeker6338]

Thank you so much love your videos ,They give me Hope ,that I can retire early too

[@OurRichJourney]

Our pleasure! Thank you so much for the love!

[@jeffhe4553]

When you said couple who have similar financial backgrounds... that hit me hard lol. I just turned 30 this year still single but that's something I kept in my mind for finding that right person to wed. Technically speaking, being from the same background (financially too) helps so much when it comes to long term ideals. Other than that, I've set myself for retirement around 40-50s. I have dividends set up for future child tuition, retirement from 4 rentals, and probably a business to run with the future wife someday

[@OurRichJourney]

📈Looking to learn how to invest? Enroll in our Stock Market Investing Course: www.ourrichjourney.com/investingforfire 🔥Learn more about financial independence and retiring early: Enroll in our F.I.R.E. Master Class: www.ourrichjourney.com/firemasterclass ✈Want to move to Portugal? Enroll in our Moving to Portugal Course: www.ourrichjourney.com/movingtoportugal

[@julieirene3914]

Amazing video as usual! You mentioned listening to podcasts and reading blogs, would you mind sharing some of your favorites? I truly appreciate all your time and wisdom shared with us!

[@OurRichJourney]

Podcast we like: Choosefi, Journey To Launch, Planet Money, FIRE Drill, Black Married and Debt Free, Bigger Pockets and Afford Anything. Blogs: Rich & Regular, Investopedia, and the Bogleheads Forum. Hope that helps :-)

[@julieirene3914]

@@OurRichJourney Thank you so so much! :)

[@liers99]

I would love to get an HSA, so far however we can’t afford the health insurance that qualifies us to get one. Very frustrating.

[@OurRichJourney]

I'm sorry to hear that. But thats okay. If you can take full advantage of your other tax advantage accounts you're well on your way :-)

[@febmar1425]

Amazing, great content as always! These videos you make are so healpful, eye opener! Im an avid fan of your chanel. I never get to say thank you for answering my questions about 529s. I was so sure to open an account and im so glad I didnt! i focused on our ROTH IRAs instead. so THANK YOU and congratulations on your early retirement!!! well deserved...👏👏👏

[@OurRichJourney]

WOW! Thank you so much for sharing! We really appreciate the note :-)

[@dellyman7892]

What did you learn about 529s? I've been contributing to a couple for a few years now.

[@febmar1425]

Brandon Dell it really is a good investment for families who are 100% sure their kids are really going to go to college. as for us, our kids have an option to go to college outside of US. And when they do, we can pull money out from the account WITH penalty.

[@melabritt6129]

I appreciate you both! It's time for me to take action & #JoinTheJourney !!!!!!

[@PeetersDani]

When did you two start your path to financial independence and how long did it eventually take to reach? I'm 21 and started just before my last birthday.

[@OurRichJourney]

We started in about 8 years and achieved FIRE in 2019. Check out this video for an overview of our story : kzbin.info/www/bejne/gYPClnylftRlrLc (HOW WE RETIRED AT 39 | Financial Independence Retire Early (FIRE)

[@MousyLeigh]

I love your videos

[@OurRichJourney]

Thank you so much for the love :-)

[@TadashiTravelTours]

at first i heard, “insurance saved our ass” when he said, “insurance saved our assets” :p

[@biancajingles2690]

You guys talking about student loans is so scary I’m SO glad I didn’t take any out for my undergrad and that I’m taking a year off of school to save all the money I need for grad school. I’m 22 and financial stability is incredibly important to me. I’m avoiding debt at all costs, keeping my expenses low, and increasing my income in every way I can because I want to retire early as well ❤️ However, what does it mean to max out a 401k, Roth IRA, HSA? 😬

[@OurRichJourney]

Yes - student loans can be a major problem. :( As for maxing out the 401k, Roth IRA, and HSA - there is a maximum amount that you can contribute to those accounts each year. When we say "max out" those accounts, we mean put the maximum amount that you're allowed into those accounts. For example, in 2019, the maximum contribution to a 401k was $19,000 for people under 50. In that example, we mean contributing $19,000 (the max) to the 401k. Hope that helps! :)

[@biancajingles2690]

Our Rich Journey oh okay that makes sense! Thank you for the clarification ❤️

[@razor13lade]

Great video guys! When are you making your next monthly expenses video?

[@OurRichJourney]

Thank you. And look out next Sunday for a Portugal video :-)

[@canyouspellophthalmology]

You guys are so amazing! I am starting my 30s and my original goal was to be debt free by the time I'm 40 (I'm one of those with massive student debt) but now I want to reach FIRE in my 40s!!

[@moumini5my]

In the same boat ..keep up!

[@OurRichJourney]

If you're learning about FIRE in 30s you CAN reach FIRE in your 40s! FIRE wasn't a thing when we first started. There wasn't a lot of info out there. But now...there is tons of info and resources. Keep learning and executing your FIRE Plan and you'll be there in no time :-)

[@floridaboy7273]

Same here .

[@karyrogers8873]

A week in the hospital for food poisoning (or anything else) should not be $100k. This country's health care is so messed up

[@OurRichJourney]

Sad, but totally agree. :(

[@AK-ni3qk]

What? That should be for free or no kore than 20€ per day in hospital - on europe

[@fatuma2954]

Just discovered you guys and have watched several of your videos...Awesome

[@juliettedelta]

You need to write the captions for your videos. The automatic translation says I’m “a mom and Christina” lol

[@OurRichJourney]

LOL!

[@daveuygur]

Love Your Channel. Thanks for sharing your journey.

[@_justjackie]

Hi there, really enjoy the quality of y’all’s content - wondering if y’all have thought about audio quality though? There’s a high echo and it’s difficult to listen sometimes. Just some feedback, thanks!

[@OurRichJourney]

Thanks for the note

[@ccul0439]

Another great video! Love you guys

[@OurRichJourney]

Thank you!!! Glad you liked it!!! :)

[@freewaydeath]

Very inspiring video!

[@OurRichJourney]

Thank you so much!

[@lawrencejones7500]

What do you think about acquiring good debt in your 30's such as a rental property producing cash flow currently I'm 27 but I have intention to acquire rental property before I'm 30

[@pursuingpeas8236]

I my thirties and my husband is in hospice now Really healthy but got cancer Anyway the life insurance helped a lot I’m trying to figure out what to do now as a young widow and mom Thanks for your videos

[@OurRichJourney]

We're so sorry to hear about your husband. We'll be keeping all of you in our thoughts and prayers. Please take care.

[@travis880]

It's never to late

[@mrp973]

when I was 30 in 2010 it was in the beggining of the financial crisis I was a civil engineer and litteraly was struggling everyday. Now 10 years after I think Ive lost precious time..

[@swissladydriver8980]

I'm glad that you mentioned insurance because I just read "MrMoneyMustache's" latest blog post and he showed $0 expenses for health insurance, but he thinks that if he just eats well and stays fit by riding his bike and working out, he doesn't have anything to worry about so he's "self-insuring" at age 45 (!danger age for men!). Myself and others did let him know that medical bills can easily reach in to the millions, but oh well, you can't tell grown people anything. It would be so dumb to "save" say 5K or 6k on insurance only to be presented with a bill for 1.5 million. Even for people with net worth in the millions, how does that make any sense at all? And to top it off, he "self insured" his primary residence, but then wouldn't it be the bummer of a lifetime, to be hospitalized running up a jillion-dollar bill and then come home to find out your home and all possessions went up in flames or get blown away in a tornado? That dude can't be taken seriously anymore.

[@OurRichJourney]

OMG! Insurance is a must!

[@mogain9258]

I am very interested in what MMM is going to write about his choice to self insure. I suspect it will involve statistics and the fact that he has earned so much money after he reached FIRE. I am not prepared to defend his decision but I love hearing diverse perspectives.

[@swissladydriver8980]

@@mogain9258 There's really no reasonable "defense" for such unnecessary risk, just rationalization and intellectualization. He did mention some stats, but those stats were waaaaay off. He's in dreamworld.

[@juliefifi82]

Swiss Lady Driver I think he is also Canadian maybe he could go there for medical ?

[@swissladydriver8980]

@@juliefifi82 That's assuming that he's only ever going to have elective procedures and has the energy to go to Canada and set up shop there during the course of his treatment. You and he both seem to be forgetting that people have major accidents, sicknesses and infections which require emergency care, and complicated, expensive treatments just to get patients in shape for transport elsewere. And then, people forget that sometimes complicated rehab and even long-term care are required to get back to some sort of normal life, if ever.

[@inspireddollar7210]

Love this! I'm 31 now and hope to be able to follow in your footsteps and retire by 40.

[@jamesspitzercashout]

Such great info! Love you guys!. Latté Cheers!

[@OurRichJourney]

Hi James! Thanks again for the love :-)

[@cphillps1749]

God bless this couple This is the representation of the black family the American media will never show

[@OurRichJourney]

❤️❤️❤️

[@KBrown-qm9xc]

No Student Loan Debt?! DAAANNNGGGG that's DOPE! my goal is to pay mine off in the next 6 yrs before by 34th bday... #financialgoals

[@christianheinbockel1537]

'Getting on the same page as your spouse pays dividends for the rest of your life' is probably the best investment quote I've ever heard. Keep killing it y'all

[@DJ-pq7wz]

This was so awesome. I’m 30, and you’re so right about looking at the future in a different way.

[@OurRichJourney]

Thank you!

[@WealthyTiffany]

You guys are such an inspiration, thank you for sharing!

[@lj2070]

Unfortunately I got divorced and have to start again from scratch at 39 yrs old.

[@OurRichJourney]

I'm sorry to hear that . . . but (on the bright side) - you are still very young. Enjoy the FIRE journey!

[@contemporaryliving1665]

AMON & CHRISTINA THIS WAS AN EXCELLENT VIDEO!! YOU GUYS ARE VERY SMART & KNOWLEDGEABLE!! WE ABSOLUTELY LOVE YOU GUYS!! MUCH LOVE FROM CHICAGO!!! A FINANCIAL DATE HUH?? HMMMM

[@OurRichJourney]

You are so sweet!!! Thank you so much - Sending love back to you in Chicago!!! :)

[@jaynwonder7915]

You guys are great.... so inspirational, love the synergy between your'll...#couple goals

[@OurRichJourney]

Thank you so much for the love :-)

[@blacksquirrelhomestead]

Your home is one of the most important financial decisions. Thankfully, we did it right and our house payment never dominated our life.

[@TaraWagner]

I love this! The only thing we are doing differently is with our home. We bought a new house that was built extremely eco-efficient but actually much too large for us. But it’s in a great area, the utilities are low, we got an amazing rate, and the resale value will be better since we don’t plan to live here forever. (Smaller houses in this area are harder to resell and/or generally not in great areas.) It was a painful decision to make and the unused space still gets to me 😆 but when we ran the numbers it made the most sense.

[@OurRichJourney]

Great insight! Thank you so much for sharing and expanding the conversation :-)

[@TheRocketpony22]

maybe rent out a room?

[@TaraWagner]

Carolyn Sturge we’re considering it. Hard to give up our *ahem*...privacy though. 😂

[@LearnHustleGrow]

Great advice!!! Yes, I remember thinking 30 = grown! Thank goodness you had health insurance!

[@SScogin]

PSLF programs are true loan forgiveness: you won't be required to pay income tax on the amount forgiven. IBR or other income driven repayment plans have a forgiveness timeline of 25 years, and the amount forgiven is treated as income.

[@angelabarker8611]

Great video!!!!!!

[@OurRichJourney]

Hey Angela! Thanks again! Happy Sunday :-)

[@subconscioustruth4755]

Smart moves. Thanks so much

[@OurRichJourney]

Thank you!

[@MrMr123]

Cool people, I’d love to have neighbors and friends like you guys. “Live like no one else so that one day you can live like no one else..”

[@Mistyfgdf]

Hopefully it’s not too much of a dent to financial freedom to buy a c6 Zo6 corvette in my 25-30s I’m already frugal Assuming I got an above average job over half the paycheck I know can go towards dividend stocks

[@stormchasingirl1133]

Living less than your means is key to saving. You make $2000 a month, live on $1000 instead. Use roommates, etc to allow yourself extra money.

[@keithwalker7245]

I’m afraid health insurance needs is stopping my FIRE goals

[@OurRichJourney]

It really is a big ticket item that can push your FIRE number higher. Its a tough nut to crack :-(

[@Ali-Muscle]

I’m having a hard time finding something like advice for ppl 40 and or in your 40’s 😞

[@mountainmovers9411]

Thanks guys love following your journey I’m 29 and always feel like i should have started earlier haha I know it’s silly but I am happy to be starting now! I wonder is 18yr olds say “man if old I started investing when I was 8” ha!

[@OurRichJourney]

Haha! I think you're right! It's common to think it would have been better to start earlier. BUT, today is a better time to start than tomorrow!!!

[@Rabbit2026]

I'm 32, single, just finished paying off a student loan, and have minimum low expenses. I will start building wealth from your advice! Thank you so much!

[@ismaelgonzalez5478]

They sound LEGIT , my investment Teacher teaches pretty much the same way. I'm really into you guys , it's good to know that you guys have paved the way for us... To know that it's possible, I'm willing to be patient and enjoy my 30$ to financial freedom in my 40$ ... Thanks !!

[@chuckiesanta3406]

I started my tsp at 21 and my index funds at 26. I'm 29 and doing great. My husband is doing even better than me. We want to be just like you guys.

[@JAMMEDTOAST]

I’m so glad I discovered your channel. I just became debt free and want to invest especially in real estate. I also would like to move to Malta or Spain. Ahhhh I don’t even know where to start ! I have so much catching up to do! 🤓

[@chadbailey7038]

Y’all sure Iman didn’t catch the ‘Rona?! 😱😷 Lots of people looking back realize what they thought was XYZ at the time was really THAT!

[@mayfair5049]

Love your videos. You guys are so inspirational. I’m surprised you didn’t list Real estate investment. I know from your other videos that you’ve done it. Would you say it was helpful but not necessary? If you could go back to the 30s again would you invest more in real estate or index funds?

[@OurRichJourney]

WOW! That is such a good question! We'd probably still do it the same way :-) LOL! We love investing in both asset classes but currently we are enjoying not being landlords. Its nice to see our money grow passively in the stock market.

[@amanutesfa8545]

Wonderfull couples stay blessed . if you can mention your favourable books for success please?

[@OurRichJourney]

Thank you so much for the kind words and blessings. We are constantly reading so our favorite books are always being updated. But the core books that helped us on our journey are always listed in the description section of our videos. Have a look and enjoy :-)

[@dhowto3005]

Thanks

[@OurRichJourney]

Thank YOU!!! :)

[@moneytherapy333]

Great advice you guys , working on a few of those moves, planning for the others, thank you for sharing so much knowledge!!

[@OurRichJourney]

Thank you so much! And congrats on making smart money moves of your own :-)

[@KINGSHABAZZ01]

I'm not in my 30's yet, but this is sooo helpful! Definitely appreciate you guys as I've learned so much from this channel!

[@OurRichJourney]

Wow - not yet in your 30s but already getting started!!! We LOVE it!!!! It's so great that you're starting early!

[@itrthho]

100k+ for a week in the hospital is good deal. I was in the hospital for 18 hours and it was 25k+ :)

[@OurRichJourney]

Yikes! That's an expensive 18 hours! :(

[@GloryInvestingShow]

best ever!

[@OurRichJourney]

Thank you so much!

[@nicoleholman6952]

QUESTION! What book helped you develop financial literacy???

[@OurRichJourney]

We have a list of books in the description of our video. If you're new to investing, I suggest the Boglehead books!

[@AJamal-yj6nl]

Over a 100k in a medical bill 🙁 thank goodness I live in the UK, I don't think I would ever afford that