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

[@OurRichJourney]

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[@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]

👏🏾

[@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.

[@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

[@KevinConwayChannel]

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

[@OurRichJourney]

Thank you so much for the love Kevin :-)

[@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 :-)

[@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!

[@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!!!

[@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.

[@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!!!

[@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

[@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

[@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!

[@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.

[@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! 💪💪💪💪💪

[@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.

[@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 :-)

[@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

[@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!!!

[@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.

[@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.

[@inspireddollar7210]

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

[@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 .

[@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!

[@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

[@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).

[@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!

[@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!

[@rahulmaharaj9367]

Thank you so much for this guys. I have currently 26 and I am freaking out that I am not investing enough or that I started too late. This truly eases my mind, thank you!

[@nathansettles8263]

I really appreciate you both and turning 45 You’ve taught me a lot funny cause it’s like continuing education everyday. Keep up the TEAM work and stay focused on helping others.

[@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.

[@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

[@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)

[@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.

[@daheni8857]

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

[@jerryandtom]

Kindly continue doing these videos, it’s extremely informative. This is one of the best personal finance channel in you tube

[@curtisdavis8594]

Good show! Happy Valentine's Day Money goes far w/ Good credit. Thanks Guys!

[@OurRichJourney]

Hi Curtis! Happy V-Day Money to you also :-)

[@miboeck]

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

[@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. 😂

[@WealthyTiffany]

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

[@calissahalpern8426]

Always very inspired watching your videos. I turn to you guys when I'm feeling impulsive, such a great way to remind myself of my future goals

[@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! 🤓

[@blacksquirrelhomestead]

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

[@tothediaspora3905]

The stuff you are teaching your kids just by watching you...is incredible.

[@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.

[@pkk5484]

Thank you for sharing this. You are helping thousands and ten of thousands of people. I wish I learned this ten years ago during the financial crisis.

[@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!

[@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

[@carmendanley1747]

I’m considering starting this journey. I’ll be graduating college in May debt free. I already have my post grad job and your channel has been helpful to make the most out of my journey. I’m 21 now so let’s see how long it’ll take me to retire!

[@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! :)

[@itsrealshadyg2082]

Question - ROTH IRA, the $6,000 can be taken out whenever but the growth has to wait to be withdrawn at 59.5. I don't think the conversion ladder applies in direct roth ira contributions as opposed to 401k-ira-roth ira- wait 5 years - withdraw

[@gabygrand]

great comments on the health insurance and student loan forgiveness tax bill! very well-thought out advice.

[@hispanocubanoamericano3388]

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

[@paulomaia2225]

Make another video with your Portugal monthly expenses please!!

[@glauciodeoliveira7428]

I second that - I hope you can post it soon. Also, it would nice if you could share some information regarding income taxes while retired abroad. Thanks!

[@OurRichJourney]

We'll have something special next Sunday :-)

[@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 ❤️

[@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 :-)

[@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

[@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 :-)

[@PassiveIncomeTom]

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

[@OurRichJourney]

YASSSS!

[@gerryo25]

I'm 35 and I just started looking into the Fire community and Dave Ramsey 2 years ago. I need one more side hustle with my regular salary I'll be done with all CC debt by May of this year. I'd love to retire by my early to mid 40's.

[@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 :-)

[@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 !!

[@Supermiranda78]

Both of you are such an inspiration! Thank you 🙏🏻

[@joselivingroom5951]

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

[@josegaponte27]

Hey guys I want to thank you very much for taking the time and sharing your experiences, this useful information definitely going to help me out a lot during my journey this is GOLD !! Thank you

[@OurRichJourney]

Thank you for taking the time to comment Jose! We appreciate it!

[@shadhanohano]

Can you go over custodial accounts and which one you guys went with for your kids and why? Thank you.

[@OurRichJourney]

We've gotten a lot of questions on that recently. We're planning on doing a video on that soon. Thanks for asking! :)

[@estefaniaarteaganavarro8987]

Your channel is amazing guys, I really love it!! Congrats!!

[@Flagondry02]

Any recommended podcasts? I'm the reader but my hubby wants nothing to do with books. Thought maybe a podcast would help him learn these things with me.

[@julsca3738]

When I got to my 30s I got more confused about what I wanted for my life. Struggled through depression and didn’t know what the point of all the work I did was. I’m watching these videos to help myself financially but I’m still unclear of what I want out of life. I’m 33 and an RN in the U.S. I haven’t been one for very long. Bedside for a year the rest were clinic, out pt dialysis, and a senior living sub acute rehab.

[@ruru13ful]

Turning 40 this year! I am excited to see what moves I can make to hopefully retire in my 50's. My job offers a pension but the age limitations are ridiculous. In order to retire with a full pension, I will have to work until I am 67. You all give me hope! I understand now that the job will not determine when I can walk away and retire... I will... Continue on with the wonderful work you are doing! Thank you.

[@mogain9258]

ruth mendez You may want to look into what the benefit formula and vesting schedule are for the pension. Usually you will still earn a benefit is you only stay at the company for part of the period before the normal retirement age, it just might not be the full pension. Even if you retire in your 50s, the pension may still be an asset.

[@OurRichJourney]

Thank you so much for the kind words :-) And happy BIG 40!

[@OurRichJourney]

Great point!

[@investinggennie]

Please make a video about long term capital gains and taxes or investment taxes as a whole !

[@OurRichJourney]

Thanks for the suggestion Gen!!! :)

[@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!!!

[@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!

[@fatuma2954]

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

[@LearnHustleGrow]

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

[@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

[@TheCollegeMuscle]

I love this channel. You guys are just easy to listen to.

[@OurRichJourney]

Thank you so much for the love :-)

[@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 :-)

[@AdarshVyakthi]

Great video ! Thank you both ! Could you please share what podcasts are good to listen to ?

[@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.

[@c0rm0nsa]

Your channel is so helpful. I've been reading and watching videos trying to learn as much as I can about building wealth through investment. You mentioned books and podcasts, I 'd love it if you could recommend some. Never mind! just saw you put it in the box!

[@cpenick2806]

Can you recommend any financial literacy/investing podcasts?

[@fernandoborges8472]

Ever considered on investing in Portugal? Or making videos on our finacial system?

[@OurRichJourney]

Great question - Unfortunately, we don't have enough knowledge on that topic yet. Maybe in the future . . .

[@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!!

[@adamsinclair998]

Love your videos. Can you please do a video on how to make steps to retirement when you have a mortgage.

[@_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

[@teck6492]

You guys are awesome. I love watching your videos because it keeps me motivated to live small on my thirties so we can live large in retirement! Thank you for the content you produce. You’re really making a difference in people’s lives.

[@OurRichJourney]

Thank you so much for the kind words. And congrats on living more intentional to achieve your goals. You're well on your way to living LARGE :-)

[@FinGeek4now]

I would love to retire early, however, as far as a vehicle, I do want to purchase a Tesla. Not only will it be cheaper to operate than an ICE vehicle and the insurance is much cheaper, I also plan on doing a side hustle as being an Uber/Lyft driver. Speaking of which, what are your thoughts on creating an LLC holding company, with each subsidiary LLC business being focused on each business? My businesses will possibly include e-commerce (shopify stores), stock investments and automated investment software development (subscription-based), AirBNB (maybe?), Transportation (uber/lyft), and publications (kindle author).

[@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

[@matthewjosiah]

THIS IS THE VIDEO - thanks for sharing it, I'm ready to go!

[@allmoneyin6682]

I'm going to do more than just watch your videos, if you guys can do it i can to. I set a goal to retire in 12 years which will put me at 42. Start with a goal and work towards it one day at a time.

[@jaynwonder7915]

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

[@OurRichJourney]

Thank you so much for the love :-)

[@OliveGroves24]

Such clear and precise instructions. Logical and simple. Great job!! Thank you for suggesting folks in their fifties and sixties, too, had a chance. There is hope for me, yet 😃.

[@nateb19]

Well done guys. Another great video. Love your message.

[@OurRichJourney]

Aww, thank you so much for your kind words!!! :)

[@melabritt6129]

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

[@bridgetposton7889]

What are some podcasts on personal finance and investing that you guys listen to?

[@elninjaloco]

Great video. How would your strategy have changed if bear market was imminent, and/or if housing market flat? Maybe another video?

[@OurRichJourney]

Great question! We just did a video (two videos ago now) on the stock market crash and how it's affected our strategy! :)

[@elninjaloco]

​@@OurRichJourney Nice, I found the video. You all are wonderful, thanks!

[@OPIUM_FLY]

I started my journey in the late 20s.

[@OurRichJourney]

That is awesome - you are way ahead! :)