My net worth is $4M but I choose to live in my car

[@LitNomad]

Expounding on “Bursty Spending”: If Charlie Sheen sleeps with a playboy bunny, it’s just another Tuesday to him. However, if he asks the bunny to sleep with a random homeless guy, it’s going to be the greatest day of that guy’s life. I want to feel what the homeless guy feels not what Charlie feels. According to the “hedonic treadmill” we get used to everything and it becomes normal to us. So in order to feel the rush again, we need to renormalize our base level standards lower again. This is convenient because it allows us to also save money and execute this lifestyle within a fixed budget. As for the suffering of having to live at rock bottom, it isn’t wasted time. Experiencing hardship builds character and sharpens your judgement. Politicians like Mitt Romney are criticized for being born into privilege and not being able to relate to the poor. Guys like McCain were praised for having suffered through being a POW. Experiencing hardship gives you the right to speak on it and the perspective to understand it. It is life experience and you grow as a person from it. An example is heartbreak. As a child, I found sappy R&B songs to be so corny, and couldn’t understand why they were popular. Then my first gf in HS dumped me. I heard “End of the Road” on the radio and it hit so different I almost cried. I could relate to the lyrics and emotion behind them now. It took heartbreak for me to unlock that perspective. Well rounded adults with keen judgement have experienced a lot in life, and that’s why we trust them and give them leadership roles. So there is no downside to adopting a bursty spending lifestyle. You gain value on both the upside and downside. Also, here’s the foundational video I keep referring to: kzbin.info/www/bejne/hqDLmImopMt9eKcsi=OgwD3043DUAHIIGi

[@melinazhang6007]

Bursty spending is something most average people do though the delta is more proportional to net worth. I have been living like this my whole adult life. I eat canned food and salad most days and then have a $500 meal and $3000 trip 1x a year with another smaller trip. The delta is definitely the marginal utility that is not appreciated enough in the scheme of growing wealth.

[@JNorth87]

Bro just come to thailand. Why waste your time in the states? Come here and do what you want. Yes I understand what youre saying grinding from 4mil to 5mil. But after a million bucks, work doesnt matter, you should be spending all your time making your money work for you properly. Own your time, live the best life, come to asia.

[@LitNomad]

@@JNorth87 dude, I will be there soon haha. I’m just spending these few months seeing close family and friends in the states and using my EPIC ski pass this winter. Then begins my international journey. I’m starting in Japan for 3mo then I’ll make my way to Bangkok for sure. I have many friends there who play poker professionally.

[@ch421249]

Do you still trade in your free time?

[@rowanwood5397]

@@JNorth87 brazil.

[@2KJUICE]

Bros edging him self financially

[@berserkerlxl]

More like the guy is abstaining so he nuts in an instant

[@shubhamcweb]

Lmao that's real 😂

[@akc045]

Lmao.

[@therearenoshortcuts9868]

$4 million bro pretending to live in a Car so he can steal more of our time/attention/money with this video what a Giga-chad level manipulator LOL

[@theloniuspoon]

dude got rich then became a stoic to bring the dopamine levels back down again lol

[@chesshooligan1282]

A stoic person's dream isn't to [explicit] a super-model (for money, presumably) and eat steak on her back.

[@FadiGamingRP]

😂😂😂

[@ninjahsk5748]

If TechLead was a finance bro.

[@realjohnjones]

The old TechLead that we know, now he is conning like crazy

[@tk1576]

lol real

[@notsecure]

Yeah, this is the new generation of the TechLead.

[@luisfernando-mm3jt]

Dont forget the most important thing ...Your health

[@defguy319]

This channel is about to blow up

[@delayedgratification581]

I'm worth 6 millions and I live under the poverty line.

[@Bobafe77a]

I know where you're coming from. I'm a 54 y.o. millionaire and I live in Thailand on $30 a day. I have no commitments. It's called freedom. When I'm ready, I'll join the world working or hunt for an opportunity to grab.

[@Mr.Anderson-y2j]

Nice. What part of Thailand is the best for Expats?? I have been considering a move.

[@ainokea4u]

I'm a multi-billionaire and I choose to live in a rat infested culvert pipe close to mcdonalds...I rock

[@1flash3571]

What a loser........

[@wread1982]

You’re an inspiration 😂 you shroud write a book about it 😂

[@ugaladigala]

what kinda billionaire has time to watch these random youtube vids lol

[@ainokea4u]

@@ugaladigala A culvert pipe living billionaire

[@Siegefya]

LMAO... It's rare comments literally make me laugh out loud but damnit you got me.

[@erickim8089]

this is cool, but all of that stuff is just ambient background noise relative to relationships, creativity, family, learning

[@mysticpresence]

Yes, exactly. Not sure if trying to build a youtube/social media following will fulfill that desire of love and purpose, but it's interesting to watch. Some people also don't care about those things and just want to go through life alone.

[@TigerTsunami404]

I'm a multi-millionaire at early 40's with no debt, but it's about the young kids at this point to set up their future and ensure flexibility for long term. All depends on your situation. Never think about it honestly - keep stacking to choose what makes you happy. Live within your means and keep it simple is my advice

[@largol33t1]

I wish there was some way I could build a tiny house on my own without putting up with stupid property taxes, evil greedy HOAs and the fugly city gub'mt. If those thugs would just get out of my way, I'd build a simple 40' long log cabin in the city with a single car garage. But nooo, that would be affordable and the Fat Cat city council couldn't have that.... I also have over $1 million in various investments, property and cash but housing is so out of control that I still cannot afford even a 750 sq ft house in my city. Those cost $195,000!! And you do not get a garage at all.

[@bradj229]

Just found your channel. Very interesting viewpoints on the few video's I've seen. Thanks for sharing.

[@LitNomad]

@@bradj229 thanks for watching 👍

[@Zenalliecat]

Dude, teach me how you got the 4mil. I'm grinding right now living in crazy az California with 2 professional level jobs to work off debt, but I want to retire in the next 7 years when I turn 56 and do my art fulltime. I rent a pool house for housing so no high cost housing. Love your content!!!

[@lakecityransom]

See a financial advisor.

[@Zenalliecat]

@ done! That’s why all the debts will be gone in the next 10 months

[@TrendyStone]

I remember reading that Seneca, the wealthiest man in ancient Rome, would go out into the desert for a couple weeks each year without anything but food, water and a few basics to reset his bearings and reprioritize. Great man, great philosopher. Too bad Nero had him killed.

[@shubhamcweb]

I'd rather start off with nothing and work my way up to having everything rather than the other way around.

[@kileNoe]

I used to live in a prius back in 2017. I was an alcoholic at a dead end warehouse. I discovered doordash and turned my life around. Sober for 4.5 years now and after getting complacent in these apartments ive got myself into a small debt. Im going to take advantage of my lease ending in december to take control of my finances while living in my car once again. Im excited to revisit the car life while sober and can change my behavior with money. I think im like the opposite of you in terms of money. You have mastered it, while i am trying to get a handle on it

[@LitNomad]

@@kileNoe dude everyone starts somewhere. Congrats on getting sober! You got this!

[@shazzydog1]

First of all bro, congrats, I think you've cracked something with the algorithm and will start to blow up soon. Second of all, having watched a few of your videos theres a lot I disagree with but so much more I am open to and I find your perspective incredibly refreshing, especially compare to many others who've been in a similar job market to you.

[@LitNomad]

@@shazzydog1 thanks dude! Yes there are a lot of unoriginal thinkers on KZbin. I try to give it straight.

[@ajfeinman]

Great video. New subscriber. I also have a net worth of 4-5 million and I live in my car. Toyota Prius for me. 8 years living in my Toyota Prius and my finances have always improved year after year. Nobody in my circle seems to understand why I would want to live this way.

[@bigkuanysh]

Self-regulation and self-mastery are the most important. You got to this point with rationalization and IQ. I subscribed. EDIT: OK, last points are a let down.. Happiness != dopamine/endorphine rush.

[@HyeonSon]

iI had a Tesla four years ago, and I lived in the car back then. I miss that feeling of freedom and adventure. I think more people will start living in cars in the future. You can go anywhere you want, and it’s actually saving money. Plus, it’s nice to have a cozy home on wheels. I’ve traveled all over the US, and I’m currently in Oklahoma. The house here is really big!

[@LitNomad]

@@HyeonSon dude that awesome and I agree with you 👍

[@HyeonSon]

The one where you just feel so cozy and safe? I don’t know if you have that feeling or not

[@ericyuan9718]

It's called VanLife

[@jrherita]

5:20 Agree with this philosophy, the challenge is once your wallet is open, it's hard (emotionally) to close it again.

[@aeid101]

you figured it out bro. good job.

[@FinancialCharles]

This is such a genius way of explaining it. I do this subconsciously, but I could never put it into words. I have phases where I only eat eggs and bread and let the investments compound and I can contribute the maximum amount of my income to investments. Then I will have a period where I eat out every day.

[@LitNomad]

Haha thanks. Yeah I go into the mathematical theory more in my first video, but I think bursts of spending is better for us. Are you familiar with how Lebron James alternates from ice baths to hot baths in order to heal his body quickly after games? Many people say that’s why he’s playing so well at his age. I believe the same philosophy can be applied to spending money. It also has benefits when spent it bursts.

[@alexanderelliott3284]

Great video !!!!

[@I61void]

That makes a lot of sense. I’ve sorta practiced this my entire life ever since I was young, I’m 20 now. From small things like dinner, you know? Your mom gives you your vegetables and stuff you don’t like, I would eat that first so I could savor the best part of the meal (usually the protein). Currently been practicing fasting as well, I do up to 68 hour fast, you let go of this like gluttony for a day or two, starve yourself so you could savor every bite of everything. You become grateful and thankful, you would even smile a bit . The clarity, and health benefits is another reason why I do it. I currently live very frugally, like most days I’ll eat something, you know, for function, like boiled eggs, milk stuff like that. Then other days I eat for pleasure, anything I want almost, steak, burgers, pizza etc. It’s beautiful really. I also like to dopamine detox although I haven’t really done it in a while.

[@cQ2DHPavXTqemm9Vsbgi4TV7x]

bro's edging himself financially💀💀💀💀"the delta of happiness"

[@troybabz]

Why not cash out of stocks and move into a money market fund paying 5%? You would never go below your 4 million again and you could live off the 5%, $200,000 interest.

[@twistedspine7300]

this is tough to do if you have children (just had my first), so i think something comparable would be owning your home outright in a low cost of living part of the country. if you have a paid off home and it's only worth lets say 200k to 250k, the property tax will be low enough you'd barely notice it. with a work from home remote income and starlink, you can achieve this anywhere in the country now. although not as cheap as living out of your car its about the best you can do while still being able to raise children comfortably and have the freedom of time you describe. i'm renting and investing capital until i can pay cash for a house (avoiding a mortgage completely) and i'm getting close. once i achieve that, i will be completely free.

[@anonymous-anon]

Guy is targeting the highest happiness delta like an options contract, he never quit trading and retired. How do I gamma squeeze happiness?

[@guillermoortiz8452]

Bro, you are an inspiration. I basically been doing the same thing with my VA check every month humble living with mindful bursts of spending

[@fuadkarim8587]

Very interesting perspective. It’s original, that has value. It’s self discovery, which has huge value. Mathematically justified, yes. But we are human, not machines. Currently you are not fostering family which has infinite value. And mathematically memories fade, your future self will benefit higher value from experiences closer to that current time frame. Also huge inflationary spikes always happen and you have to over build wealth to guard from that. 4M is not nearly enough. 10M minimum at your age for true freedom and greatest probability of happiness as we age and health inevitably declines. But I’m 99% sure you’ll get there, because you don’t have blinders, are smart and on your own path. Good luck brother.

[@AccordingtoWarren]

If you haven't read Die with Zero, if you have what do you think of the concepts? Seems like it's quite in line with what you're trying to do with maximizing happiness utility. Also something I think about quite often.

[@lfpurpose]

i watched this entire video and i can conclude you should never try cocaine because you absolutely will get addicted instantly hahahah

[@hebergarcia8873]

How do you find start ups to work for? Simple google search or are there websites for such companies?

[@AccordingtoWarren]

When you spoke of the highs being so high, reminds of how people describe drug euphoria. Then the calm down must also be brutal.

[@grantcoffman27]

Bro you are literally hacking life, please mentor me lmao. I bought that book you recommended another commenter. I have a degree in accouting and was very inspired by your story to change careers. Thanks for these videos sir!

[@LitNomad]

Hey thanks! Good luck on your journey and lmk if you have any questions 👍

[@matthewspaeth]

What’s the book?

[@MichaelChengSanJose]

Looks like a holiday inn express. Totally doable life if you’re not caring for two generations.

[@kaifeng6649]

i subbed as you do have some insightful thoughts but I think its important to point out that this type of thinking is still just chasing after some vague happiness, I think it is more meaningful to find purpose in what you're doing and to do it well while building something because at the end life is quite meaningless but if one succumbs to this nihilistic view it is not going to be a pleasant journey to go through. The same can be said for the opposite of chasing some happiness, whether it's food/sex/wealth. I actually do practice what you described as finding the biggest delta. For me, it works out well without having to chase after something but maybe to find purpose and build.

[@anotherperspective6247]

I'm not buying it if he's a millionaire living out of his car he's got warrants or fleeing civil judgements.

[@erwinlian]

TOTALLY AGREE WITH THIS WAY OF LIFE. Thought I was alone in such thinking

[@LitNomad]

@@erwinlian 🙌

[@GenieWizardry]

You don't have a dividend portfolio? I'm interested in getting a high dividend portfolio so that I won't have too withdrawal.

[@bryanleejh]

I've been researching soylent for a while - could you make a video sharing your thoughts on soylent?

[@DIVGAINS]

Great message dude! You invested in tsla/bitcoin?? Standard VTI? Dividends ?

[@C0LomI3eanr]

What about living in poverty for the first 20 years and then live like a king for the next 20 years? The other way around sounds pretty extreme. The delta there would be too extreme going from a king to slavery/poverty. Wouldn’t you think?

[@LitNomad]

@@C0LomI3eanr people get used to prison and their baseline happiness renormalizes to it and eventually they’re comfortable there and they don’t want to leave. They talk about this in Shawshank Redemption. I personally think life is about experiencing as much as possible, because when we die, we will experience nothing. I’d like to experience the high watermarks of being a king, so if this were the agreement the devil made with me, I personally would take it, but to each their own.

[@C0LomI3eanr]

@ I see. Going to re write and see if this your perspective of it….…..you would rather live like a king in your early years of life to gain that experience and those memories so they will live with you forever and understanding that part of life rather than later in your life living with regret and potentially harming your mentality morphing into a “prison/slave” mentality with the probability of not being able to get out of it? I love your videos btw. You are like a mentor to me. I really appreciate you

[@mangao4334]

The difference is you chose to live like this, and you have other options.

[@discosalon1977]

You sound like the architect from The Matrix. Every problem is a variable in an equation, one at a time each variable must be solved and counted to balance the equation. Falling in love, having a deep spiritual experience, giving back to others, inventing something that shifts the paradigm for humanity

[@Mr2blue2]

"Anything helps!" "Need $$$$ for electrons for my Tesla" "God Bless"

[@matten_zero]

Very interesting life philosophy

[@manager415]

this is so interesting. can you do a video about how you live in your car? I don't get how you could do this without being super inefficient with your time?

[@LitNomad]

@@manager415 hey thanks. I have a video outlining how I live in my car and where I keep my laundry 🧺, etc. It’s the second video on this channel I think. You can sort videos by time and find it 👍

[@30pwner]

Love your videos. Very unique conversation. I would also like to hear more trading stories.

[@jobhunter-j7d]

I do this as well, not knowing it i guess but i never have fast food or eat out, everything is home cooked. Once in a while i would go out to eat out at restaurants or fast food places (chipotle) and I get so much satisfaction from the food and experience vs. eating bland stuff at home everyday.

[@junhaowang6513]

why not travel, budget+new experience without intermitent fasting spending

[@miroslavangelov8036]

Start a family dude, you've already won in life

[@LitNomad]

I talk about why I don’t start a family in my next next video haha

[@ahb226]

Hey dude, fun channel and cool concepts. Thanks for sharing. You seem to be optimizing for sensory pleasure quite well. Just don't forget love and service - better than even the best meal after a month of soylent!

[@LitNomad]

@@ahb226 lol thanks for your feedback. Yes, I’m a hedonist.

[@ahb226]

@@LitNomad well, the true hedonist wants to find the greatest pleasures. you clearly have a data-driven, learning mindset so I'm sure you will eventually find them. :-)

[@GenieWizardry]

I'm "homeless" rn too, but this is inspirational. I will look into this quant trading! And I want a Tesla too!

[@loden888]

Dont get married bro. She'll take half.

[@zoukchata]

40000000 x .05 (yield in dividends)… that’s 200k a year… you never have to touch your base amount…

[@LitNomad]

@@zoukchata idk .05 is tight. Inflation averages 3% annually, so that leaves 2%. I can live off 2% but I believe the stock market will average 8-10% returns over the next two decades, so I feel like I can take more risk for a better return.

[@asiancrypto]

So $4M is a good amount of money to retire on for a single person in the US. How does this number change when kids are added to the equation (assuming the person wants to stay in the US)? This could be a good video topic.

[@LitNomad]

I don’t really plan to have kids for many reasons. Maybe that’s a video I’ll make someday. In fact, I plan to geo-arbitrage (move somewhere where the USD will go much further). Scoping out Georgia 🇬🇪, Indonesia 🇮🇩, Philippines 🇵🇭. With kids, I’d probably keep working a regular job to add stability to their lives so they can plant roots.

[@etvow]

Even with two kids, $4M yields 5% interest equals to $200K a year in interest income. $4M is plenty.

[@LitNomad]

@@etvow That’s fair, but it’s scary to consider that your annual budget will halve if the market crashes 50%. I can stomach that crash when it’s just me. I’ll just spend less that year, sell some puts while the vix is still screaming, and ride it down to zero. Knowing that my kids lifestyles depend on me would make me more risk averse.

[@localphonicss]

Why not invest in real estate? Then u can have permanent housing. Real estate has gone up over 100% in past ten yrs in certain markets. Im worth about 2.2m starting from 800k due to my residence. Seems like u have a “bag lady syndrome”. U should not have to live like a pauper worth 4m. And your missing out on better gains thru real estate. I respect what u r doing for ur mental health thru this experiment, but seems like u r trying to figure urself out. Am enjoying your vids bro!

[@LitNomad]

@@localphonicss I’ve owned real estate in the past. While there are many crafty tax benefits if you use them, I don’t like it as an investment vehicle because: 1) I don’t like the maintenance 2) I get wanderlust and can’t stay in the same residence for over 5yrs. 5yrs is the average cutoff point where you’ll turn a profit on your home price appreciation to offset selling costs. 3) it’s too dependent on local variables like the local economy and local government. 4) it’s illiquid 5) it’s riskier than stocks (you can go underwater. Many did in 2008. I don’t leverage up 5-to-1 in stocks) Real estate doesn’t have “better gains” than the US stock market. There are many studies done on this so you can look it up. When factoring in maintenance costs, property taxes, etc, historically they perform about the same, but Real Estate is riskier since you’re leveraged. It seems you got lucky that your primary residence outperformed real estate elsewhere in the USA, and you’re now measuring that as the average ROI of real estate in the USA. There are many counties where real estate drifted down for the last decade. Lastly, I don’t have bag lady syndrome. I’m 100% in VOO and QQQ. Most wealth advisors would call that reckless and advise an early retired person at my age to be 50% in bonds, but I have my reasons since I am a Wall Street insider and I understand the equity market (and especially options plays) better than outsiders. I can make clever adjustments when the market crashes. I keep my annual withdrawal around $50k-$80k because I want to keep my LTCG below $47025 to pay 0% taxes on them. This video is about how to experience the most on that relatively small annual budget. I just don’t like giving away money to Uncle Sam but I’m not risk averse at all.

[@senseofstile]

It's a little bit different with me. I worked an intense job as an RN. I made some good investments and get about a 14% return. It is somewhat of a conservative mix. Also I paid into two pensions and social security. In 2015, I cleaned out my desk and walked out the door a free man, never to work again. I can live just about anywhere. I lived in the Philippines in a newer gated complex 2016 - 2022. I went back to the US and lived in Woodland Hills, Ca. 2022 - 2024. June 2024, I am back to the Philippines gated complex (constructed 2014). My rent is $240 a month. Hence I am living way below my means. I doubt You would need to work again. You probably have a better rate of return on your investment than I do. Nonetheless, if you are getting 14% like me, that would be about $560,000 annually on 4 million. Granted Uncle Sam will take a chunk but, I doubt you would need to work again. I sure wouldn't but, I worked a grind job.

[@LitNomad]

Thanks for sharing your story. It’s very interesting because I’m thinking of eventually settling in a lower cost of living country like the Philippines too. Where in the Philippines was your gated community? I’m actually planning to pay 0% in taxes since I’m planning to withdraw from my investments that I’ve held for over a year, so I pay LTCG tax rates on them, and if you stay under $47025 in capital gains, you pay 0%.

[@jamesrecknor6752]

Been there done that, life is too short to live one day like that.

[@jennerb7059]

I have been living in my pickup truck for the last 6 years and I just bought a 2025 camper van last week. I do it so that I can afford to day trade. I have been day trading for the last 5 years every day. I don't take any days off. I have been doing propfirm challenges and blowing all the accounts I have reset the challenges hundreds of times. One day I'll make it.

[@mrb6144]

Honestly, I’ve watched a few video, you seem smart, well rounder, aware, But I think you’ve missed one major component in your equation in searching for peace, content, happiness, Jesus. I could be wrong. But if I’m not I am 110% sure it’s exactly what your missing.

[@mrb6144]

How do you spend 80 grand a year living in your car… bro.

[@realHampson]

one downside to this is your health operates based on the daily standard vs. the bursty upside. mental health can be largely affected by the baseline you set so not only happiness but other factors. may be worth reporting back on this aspect because this might be why many people don't sustain this for very long.

[@daveycrocker4466]

Especially when you get old. Gotta enjoy your youth. Old age sucks.

[@moviesynopsis001]

Id rather just find really cheap rent so I have a bed, living in a car is so uncomfortable for tall people like me. If I was forced to live in a vehicle I would be living in a RV for the bed experience. As long as I have an actual mattress I could care less where or what I sleep in.

[@bap9394]

I'm triple long on ur lifestyle man, inspiring

[@FreeMarketSwine]

Can someone explain what he's talking about at 4:03? It sounds like he's talking about spending less to pay less in taxes. So I'm confused.

[@unconditionyourmind3675]

If your taxable income is under $44k for a person filing as single, the capital gains tax rate is zero. So he can sell his stocks for a capital gains of $$44k and pay no tax on it if he didn't have any other income such as w2 wages.

[@FreeMarketSwine]

@@unconditionyourmind3675 Good to know, thanks.

[@loewlouie]

curious what your age is and if you had a minimum amount net worth u would have quit your job with?

[@UnpopularFeed]

Please give some advice 🙏 Im 16 with about 4 years of failing buinesses, succeding and losing most of it and doing that again. Wish i had this mindset earlier. Im making pretty decent money with no expenses. I want to build a portfolio but i dont have a lot. Making 4-5k monthly what invesments would you recommend. Should i trade or play it safe with a Dividend/ S&P? Main goal is to be able to afford never working or having to go to college.

[@LitNomad]

@@UnpopularFeed I wouldn’t “trade” at home. I think all of trading outside of Wall Street is a scam. If you think you’ll be in the same town for at least 5yrs, I think the safest bet is to buy a property and either rent it out or airbnb it. You can even hire an airbnb manager to handle your day to day. This also assumes the rent to mortgage ratio is good for your area. I myself prefer more passive investing, so I dump most of my money in VOO. Understand though that it can lose 50% (that’s the worst sell off since stock markets have been tracked in the USA). Great Depression was around 70% but there was also deflation, so in real economic purchasing power, it was a 50% drop. If you can stomach a 50% loss, VOO is the best passive place to leave your money. You just have to not puke and sell when it’s going down, because you might sell at the bottom and miss the bounce. You have to just decide to leave it there and let it ride and ignore the financial news pundits who are always wrong anyway.

[@eroletus]

This looks like real freedom

[@Siegefya]

do you have a dividend portfolio?

[@rowanwood5397]

i found it impossible to level down. it is very hard to lower living standards to rock bottom. it's unsustainable.

[@LitNomad]

@@rowanwood5397 idk I sort of see it like going to prison. People get used to prison then eventually don’t want to leave. They’re “institutionalized” as Red says in Shawshank Redemption.

[@DIVGAINS]

What do you do during the day to kill time ?

[@LitNomad]

Plan and research the next leg of my trip, and film and edit these KZbin videos lol.

[@JokerFace55]

A Young Confucius, that delta happiness idea is genius

[@okayq]

Lit Nomad, what would you major in if you are 18 and entering college?

[@LitNomad]

I guess the obvious answer is CS with a specialization in AI/ML. However, the medical industry is impervious so pre med if you can handle blood and guts and seeing gross stuff in the ER, and if you’re from a rich family that will spoil you when you’re a brokie all through med school and residency. If you’re from a poor family, med school sounds too risky.

[@okayq]

What college do you recommend for computer science and pre-medical college?

[@LitNomad]

@@okayq you can just find USNews rankings for that sort of thing through a Google search.

[@mosheschlussel2768]

I was given a sizable some as a baby and by the time I was 20 it was close to 1 million because of that it didn’t make sense for me to go into a random field make 60 to 80,000 a year. I was looking for a high risk high reward got into Sales made a bunch of money and now looking to build my own business

[@LitNomad]

Exactly. You get it bro. Best of luck with the new biz 💪 📈

[@gulden_lover]

The modern world is a weird place indeed. Good luck, man! My home is my asset, an active one.😉

[@bamboograssburned]

4M doesn’t really work for Bay Area start ups. Yeah, you can geo hack, but if your wife wants to live in Cupertino and have your kid go to Lynwood High, that number isn’t gonna work; you end up at a startup making 150K with a possible 5M+ earn out, but you’re waiting for 5-10 years. It’s better to grind it out in FAANG for 500K+ annually. It’s especially frustrating if you have that 10M+ equity in a unicorn and it implodes or they just won’t give early employees liquidity. So yeah, living in your car works for a specific people.

[@LitNomad]

@@bamboograssburned that’s why I don’t live in the Bay Area and I’m not married 😅

[@bgvianyc]

Stock market does 8%/yr historically. Bitcoin does 57%/yr historically.

[@crpunks]

Hey, I appreciated your analysis with charts. How in your view having kids plays into this? Are you planning on it?

[@LitNomad]

@@crpunks thanks! I think having kids gives life purpose and meaning. I’m not opposed to having kids someday, but I’m enjoying these life hacks for now.

[@crpunks]

@@LitNomad how old are you currently?

[@LitNomad]

@@crpunks not saying lol. Don’t worry, life expectancy drifts up every year as medical technology improves. I can put fatherhood off for a bit longer!

[@crpunks]

@@LitNomad that’s fair. I’m thinking about a lot of similar moves life-wise. I just got Rivian R1S for the max freedom and adventures, still working at big tech but the diminishing return of giving up much of my free time to work is getting painfully obvious.. Will follow your adventures, you really remind me of the Techlead

[@LitNomad]

@@crpunks thanks dude! Yeah I gave up a lot of my life grinding at work too and I just looked up one day and saw the gray hairs increasing and decided I have enough saved up and I need to LIVE my life before it’s too late. We spend most of our waking life in the office, and after work I’m usually too tired to enjoy anything so I vegetate on my couch. If I didn’t change anything, I’d wake up and be 60. It’s a rough tech job market out there though. If you don’t think you’ve reached your FIRE number, I’d stay put for now.

[@अमनचोपड़ा]

LEGEND

[@AD-gy6eq]

I think you're a really cool guy.

[@M3LTUP]

People used to drop out and live in a van ...down by the river(Chris Farley voice). I guess now a days its a Tesla....down by the charger station.

[@thomasj4057]

You might want to ponder on the concept of the golden mean (Aristotle) the concept of zhongyong in Confucianism and how Gautama achieved enlightenment in Buddhism. Please reply with your thoughts on these philosophies and whether they're really so boring that a high-low approach makes more sense.

[@LitNomad]

@@thomasj4057 my understanding is those first two are systems promoted to create harmonious societies. Yes, if everyone tries to be average and act average, society runs smoothly. Religion seems like it was invented with the same end goal in mind of creating good and stable societies. I don’t think that’s necessarily what’s best for me though as an individual. Siddhartha and Buddhism seem to be about removing desire. I see that as a cope for people who realize they’ll never achieve their dreams but still want to feel satisfied. In the words of the wise 50Cent, I’d rather get rich or die trying. In my case, get or die trying.

[@Sergeiusarus]

Did you invest in crypto?

[@notsecure]

How is this different than people doing Drugs to achieve what you're saying?

[@keithsavageone]

Great for you - still...money will be meaningless without kids / partner to enjoy with. Homeless is a choice bro. Go travel (as mentioned)...OR end up giving your money away to the state if you pass away suddenly. People will think either you're smart yet, OR kinda dumb to some out there listening. Just be happy and seems like you are so that works. Props - live it your way.

[@chandlerjohnson8905]

I also live in my car in the Bay Area with a high income, goal is to be right where you are.

[@LitNomad]

Oh yeah you are winning. Saving on housing costs in the bay is like the income from a whole second job lol.

[@chandlerjohnson8905]

@LitNomad absolutely, I should probably make a KZbin channel as soon as my living space is less cluttered. My goal is to be FIRE by age 35. About half way to my fire number so far.

[@chandlerjohnson8905]

@@LitNomad but when I retire I'm not going to quit working, I want to start companies just like you. I think there's no more fulfilling way to spend your time than taking calculated risk with the occasional win.

[@LitNomad]

@@chandlerjohnson8905 exactly. You get it. Most people have a poor understanding of money. It isn’t to buy opulent things unnecessarily, it’s to buy Freedom. Freedom to use your brain to think thoughts of your own during the waking hours of the day. In an office, your brain is being rented out to debug code and respond to emails, and by the time you get home you’re too tired to create anything. I’m loving being retired. I’m finally free. I do whatever I want. I’m enjoying making this KZbin channel, but I brainstorm about startup ideas in the trading space, and I think about short film ideas, and sleep, wake up, and live where I want. I’m like a feral horse that escaped the farm lol 🐎.

[@tionx126]

Watching a homeless multimillionaire filming himself in front of his car explaining to me game theory is not something I thought I would stumble onto on a Saturday night

[@janreichenbach265]

Come to Munich and become a german citizen. A beautiful city and with this net worth, you can live like a king here !

[@LitNomad]

@@janreichenbach265 haha is that right? Last I remembered, Germany wasn’t much cheaper than the USA. I’m planning to start my world travels in a few months, and as far as where I’d eventually settle down, I was looking at Tbilisi, Georgia 🇬🇪 as a prospect.

[@superbros1690]

@@LitNomad I have researched this far, and what I have come to, is that having kids is the pinnacle of man. Men need purpose, your kids tap into your biological being and enable new sights beyond the material world. The real joy is having off spring, and that is truth. If you cannot produce of yourself, there are orphans as well. Experiences are great, don't get me wrong, they are about the best in terms of money exchange, however, its limited in terms of connecting to our biological nature.

[@LitNomad]

@@superbros1690 I actually agree with you. As far as experiences go, parenthood is probably #1. I have my reasons for avoiding this path for now. I’ll make a future video about it. Not ruling it out forever though. I do scratch the parenthood itch by being an active uncle for now and I agree that it’s great.

[@crpunks]

@@LitNomadTbilisi is full of Russian guys now fleeing the war draft.. city is a bit overwhelmed

[@SnoringVids]

First thought that car must reek.. but I bet it smells better than most of the Uber Teslas and probably better than my car

[@mahindrarai7660]

I give up i don't get it

[@GEAUXFRUGAL]

Did that today. Mine is a V The temp was comfortable with fans took advantage and let the air flow. Night time is too many skeeters and I don't have screen yet.

[@LitNomad]

Yeah EVs are perfect for car camping because you can leave the climate control on all night without having to crack open the windows and allow mosquitos 🦟 in.

[@GEAUXFRUGAL]

@@LitNomad Gotta have climate control in South Louisiana the storm did a east jog 1-20 miles from direct hit. But? I paid $12 K 2018 and I can live here ~$100 average for services W,S,G $120-$65 a month 4 really hot. I'm my own slum lord. Plus everything here is 2 min drive.

[@GEAUXFRUGAL]

Might just get a sailboat and anchor in the swamp. IDK maybe I should go west to the TX,NNM line, not down with a struggle with the city. They never speak English just want to get in your 💩 and dictate discontent after the fact. Never telling you your options ahead of time.

[@The.Harsh.Truths]

@@GEAUXFRUGALnice man. A lot of people just do a snowbird thing where they move with the weather, but with climate control you don’t have to.

[@GEAUXFRUGAL]

@@The.Harsh.Truths 3-4 months is not too much to pay for the fuel. I'm working on aux tank in the Thule. 2X the range, price is $2.87 70380. 25 miles East WMT+ discount 10¢ p gallon,and I got $2.27 gallon . POS 6 gallon tanks leaked not happy, bought a boat 12 gallon tank $50 used practically new . If I stay or road I'm gonna have options. Debating on dragging my run away camper (RAC). I've seen too many people not having a "B plan" and just got raped with every breakdown hotel tookem down. RAC I can live in that with just a power cord. It's not perfect but efficient. I can place the Thule on the RAC and the V should I have to change up . Just have to be flexible and this way I can adjust for what comes. Fuel supply can quadruple price or be absent. Have to anticipate the NAZIS showing up . I stop my services to my property I would save ~$50 month ~$600 yearly.I get health club free so I have a shower 2 local location to choose and used it in High-end Scottsdale AZ. Just can't understand why the city would push me like that,they have too many vacant lots they now mow because nobody wants to deal with obtuse permits people. Jobs aren't great either. Oil prices shootup I can sell for a profit. Again I have to weigh my options and play the game my way. Quit drinking and sex ,so far it's better than the hassle of dealing with the luggage of either. After hit n run injury 🤕 brain bleed 75% afflicted are dead in 5 years. I hope I can go sooner. Really disgusted with the false was I'm dealt with.

[@BladeAurora]

how do u handle security? what if someone steals ur shit like wallet, labtop, phone?

[@LitNomad]

@@BladeAurora I have sentry mode in the Tesla that puts a big red recording circle on the screen if someone bothers my car, but otherwise, yeah, when I shower at planet fitness, I put my wallet in the glove box in case someone breaks into my gym locker I’ll still at least have my wallet but lose my phone. In the end, this is a risky lifestyle. You’re walking a tightrope every day. It is what it is.

[@jaeeklund7639]

@@LitNomad now i know how to finesse you, jk bro keep it up

[@LitNomad]

@@jaeeklund7639 lol this KZbin channel is probably a month behind my actual life at this point, but I just finished my homeless road trip and I’m chillin in my sister’s guest room planning my international travels now.

[@matten_zero]

You could be living like a God in Asia with that money. Even Japan is dirt cheap to get a home

[@samcarter596]

Smart af

[@stephengulick9485]

As a new subscriber, I'm going to admit that I'm now a little concerned for your personal safety. Lot of awful people streaming into North America these days. While I appreciate your candidness, please be mindful of your surroundings. Also consider taking self defense classes. If the wrong people view these videos, that could be a huge issue for you. Since you're an expert at pricing risk, I'm sure you've already considered this. Still .... Your journey and your channel are great. Thank you for sharing them with us! But be vigilant about your safety! Sincerely.

[@ThePurelutz]

you're most popular vid. seems like people like finance babble, money, risk, business topics. :P

[@LitNomad]

@@ThePurelutz yeah most of my audience is here because I was a quant and they want to learn quanty stuff I think. So I’m going to sprinkle more quanty observations into future videos. I’ve polarized my audience and confused the KZbin algo because the other half of my audience is probably car living hobos looking for tips on car camping lol.

[@omarkraidie]

This is prolly me in a few years when I reach financial freedom LOL

[@samk896]

Ok this guy is a child. If your worth 4 million whsts the difference of 5 I get that. To be honest and I'm not talking the new modern guy if he is me I want to work to get 10 million why because I get my happiness from raising a family protecting and nurturing the ones I love. That's how you get happiness. That is how men are built and it drives me everyday. Look for that and you will most certainly willing to grind yourself to the bone. How you going to date and etc to build a family living this life. This stems from selfishness me me and how can I alone be happy well you proved it you cannot be happy alone

[@superbros1690]

That's what I come to realize, majority lack kids. Men are biologically wired to have kids to push us further and enable us to stay in our nature. Nothing is better designed than nature itself.

[@randomsh-t917]

$4mil isn't much these days. Quants are the 0.05% smartest of us all. I don't get if he really is a quant he would pull off the freeway of life so early on the journey. I may get it at $10 to $15mil. Then buy VTI and chill.

[@LitNomad]

@@samk896 thanks for the comment. I am fully aware of the value people derive from parenthood and raising children. We are animals, and it is basically in our dna 🧬 to seek this. The reason I don’t is because in the west, modern feminism is undergoing a social engineering experiment that has broken the tacit contract between the genders within long term pair bonding. The unintended consequences from this will surface over the next few decades but it isn’t good. Divorce is incentivized now, and infidelity is normalized and celebrated (Olivia Pope from the show Scandal is cheered on by women for breaking up a home, etc). Marriage is a -EV bet now in the west. The manosphere guys do have this point correct. I would still consider marriage if the woman is from a conservative culture outside of the USA and understands the zero sum dynamic between the genders, and doesn’t abuse her power at my expense. The population is shrinking in the west, and it’s why we import so many immigrants now. You might want to ask yourself why the majority of men agree with me and not you in terms of family creation. There is hidden wisdom in the consensus of large groups. That’s why we trust democracies for example.

[@LitNomad]

@@randomsh-t917 Why I would pull off the freeway of life so early is explained perfectly in the video I posted before this one called “Why FIRE is BS”.

[@rodmosley1699]

No, that’s how you get happiness