5 Critical Signs You Should Quit Your Job IMMEDIATELY

[@escalade8759]

Thanks!

[@OurBlackUtopia]

Escalade - all Superthanks money goes to our scholarship fund to help someone from our community learn how to get their money straight. Our Black Utopia and your fellow Utopians THANK YOU. 🙏🏾 🎉

[@SmokeD-dl2ju]

Sometimes a job ain't nothing but work 😪😪😪🥱🥱🥱🥱🥺🤭🤭🤭🤭🤭〽️💰😍🐍🐍☮️☮️☮️☮️

[@escalade8759]

@SmokeD-dl2ju That's why I encourage all I can to find out what they were born to do, I did. It makes a world of difference.

[@debracraig1932]

@@SmokeD-dl2ju all are to me! Just work🎤

[@debracraig1932]

@@escalade8759 Exactly...I do the work of my purpose...teaching🎤

[@bstorm2020]

I am 56. My wife and i were laid-off our jobs in December 2023. We took our money and opened a retail store. 😊

[@shirleyeaglin9075]

You go guyd😊

[@OurBlackUtopia]

Sometimes we're forced to look at the other options before us. We hope you two are having fun. Now think about your exit plan. 😉. A friend of ours who owns 2 retail stores, started grooming her replacement 5 years ago. Now she lives part of the year here in Portugal and travels back to the states periodically to check on her stores.

[@LitaAdeleye]

Can I live on $1500 per month single there?

[@zeealamin7581]

😢 😮80 million years...

[@zeealamin7581]

I heal myself cause only I have lived with this body my whole life! I have never chased money. I have always lived a minimalist lifestyle even during our Military career! I eat and drink to heal always! I love, no hate.

[@user56gghtf]

Parent retired at 43, died at 54. Sibling died at 35. Tomorrow is not promised. Today is a gift.

[@OurBlackUtopia]

OMG - I'm so sorry for all of your loss - you are absolutely correct! Tomorrow is not promised - we must live like it! 😉. Thank you so much for watching and let us know how we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@Jacquelyndorindachic]

ABSOLUTELY 🆎

[@originaleverythingelseisca5977]

I so agree

[@originaleverythingelseisca5977]

Sorry for ur loss btw. I have been experiencing loss and it puts things in perspective

[@user56gghtf]

@@originaleverythingelseisca5977 It does give a very different perspective. I'm sorry for your loss. Grieving doesn't have a time limit. Take time to heal.

[@snapoffmonkeybranch1242]

Don't quit your job without a "Exit Strategy" planned in advance. And keep it quiet. Make the most of all benefits.

[@OurBlackUtopia]

Hey Snap Off - you are so right! Thank you so much for watching and for adding to the conversation. 💕. For anyone who needs help creating a plan you can start with our Ready to Retire Toolkit, which can be found here: bit.ly/OBUresources

[@originaleverythingelseisca5977]

Exactly.

[@JamieModelvsDirector]

I just quit mine without any exit plan. Although I filed my taxes and withdrew from my stock…. But anyway I just up and quit and prayed to God for what I’m looking for it. And got Blessed with the opportunity of a Life ❤

[@unc1221]

@@JamieModelvsDirector Same, f em. I know the market rough but I got tired of of the disrespect. Low pay, no promotions, pure disrespect.

[@patriciamharris5664]

​...which was???? Cause I m on the verge honey, I mean, right on the very verge😮

[@ZurieRae]

I’m so close to quitting mine. The stress, pressure, discrimination, exploitation all for nothing is ridiculous. Constantly being overlooked for promotions etc.

[@OurBlackUtopia]

Hey Zurieae - I know how you feel! #Goals = save 30% - 50% of your earnings and when you've got enough saved and invested...✌🏾

[@solinspired4428]

If you are stressed and can't take anymore. If it's affecting your health sis leave that da*n job! You deserve better.

[@ZurieRae]

Appreciate the advice!

[@dcg590]

How are you discriminated against?

[@ThemightyUpshaw]

What are you waiting for

[@LGGGlove]

I started a garden 6 years ago I eat only what I grow!

[@OurBlackUtopia]

We did that during the pandemic - the difference in the taste of the veggies is night and day. In Portugal we can get farm to table at any corner store or neighborhood farmers' market. 😆

[@originaleverythingelseisca5977]

Love that!!

[@RochelleParker-Mckenzie]

I’m 52 and quit May 2023 due to the stress of my high paying 6 figure job!! Then after my resignation my boss offered me a 30k raise and the entire summer off!!! Really??? Now you see my value?? Girl please. I said my peace of mind doesn’t have a price tag. Trust and believe if I would have accepted that raise- she would have worked me to death!! Literally

[@lindafreasha5514]

My God! I totally agree with this comment

[@OurBlackUtopia]

Oh yesss - she would have thought that you "owed her" for getting you the raise. Nah, peace of mind is worth more! My friends who have 100% remote jobs seem to like their jobs or at least don't mind them. 😆 Thank you so much for watching and let us know how else we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@SanctifiedLady]

Deal with the devil! Sell your soul for money the second power in the world to God.

[@solinspired4428]

They think money is everything to us. They think they can buy us like they did in slavery.

[@originaleverythingelseisca5977]

So proud of you, it's hard to let go when the money is good. But our health is more important

[@escalade8759]

I retired at 41. Times are changing. We must be smarter. Working harder is not necessarily smart, especially if it isn't for yourself. The world is moving in a different direction, and the low paying jobs will not keep up with inflation, which will only get worse. The way we invest must change also. The plan is to ensure we own nothing and be glad about it.

[@shaylaahava6413]

Wow, that is inspirational! Outside of 401k, do you know of a good company to invest with and how to get started please? I'm also 41 and inspired. Thank you.

[@Msterri4u]

Did you mean the plan is to not “owe” anything rather than not own?

[@escalade8759]

​@iamtlc4u No, the Powers to Be want to ensure your total dependence is on them. You will own nothing and be glad about it is not a typo! They have already priced everyone out of the housing market that do not have stacks of money. Our young ones will never be able to afford a house. Just look at all the apartments being built. That is their plan for us.

[@escalade8759]

​You should never give financial advice if you are not a hired professional. People will sue the heck out of you. That is the next side, Hustle!😂 Real talk, though! Just follow the money to see where the world is headed. That's where I'm putting my money.

[@escalade8759]

​​​@@ricogreen2538 FACTS! There is a lot more that needs to happen because the world at large is in financial trouble. No one will escape what's coming. Don't really matter where you live if you aren't prepared for what's coming. We must own real tangible assets! Not a lot of paper money, I mean trash!

[@tlesueur24]

Me, myself, and I. ... I'm 32, on January 5th, I resigned from my place of work effective immediately. I returned my laptop and accessories to the main lobby and emailed my letter of resignation. I cc'ed hr and my manager. 1/06 I got in my class B campervan drove to a vanlife learning festival in Quartsite,AZ. I'm just now heading back to my home state after driving down to Yuma, AZ, San Diego, CA, and Phoenix, AZ. I deserve a break.... As scary as it seems, I'm not even in a rush to find another job. I'm learning to simplify my life and relax my brain. I'm so tired of feeling overworked while dealing with microaggressions from corporate management. I stayed at a luxury rv park and found myself enjoying game night with retired boomers who taught me how they play bingo. 😂😊 I feel free and ready to show myself some love. - 1/28.

[@originaleverythingelseisca5977]

I love this ❤❤

[@kloud1174]

I believe we live in a game (simulation). So you literally have nothing to be afraid of. Think about it, where were you before you were born? Do you remember? I treat myself like I'm the main GTA character. Walked away from my job too. So bro, keep playing the hell out of this game. I know I am and life's grand!

[@patriciamharris5664]

Tleseur Good for you.... i.m.right there ..on the verge..

[@Brenaenae]

I literally did the same thing on the exact same day this year lol! It was so out of the ordinary and I was surprised that I had resigned because. I have given the company a quarter of my lifetime. My boss retaliated against me and held my last paycheck. I could not take the abuse and mistreatment anymore.

[@luvnyaalwayz]

Omg! I love this for you. What an inspiration you are. I salute your decision to be free.. I am looking through the bars now but one day, I will fly high like an eagle in the sky.. 🙏🏽

[@bunkeyw9905]

Since retired 5mon ago from DMV I’ve painted the hold house down Stairs and up stairs all by myself my spouse helped me with the trimming. It took me approximately 4 months to complete and saved money. Because professional painters wanted to change us between 8 - 10 thousand dollars. Plus I’ve learned a lot about painting and plastering. It is a very rewarding feeling. Praise GOD I’m in good health. 😊

[@pershingrifles4735]

Interesting. Actually, we as people stress ourselves out. My question is as a brother, is how are you making ends meet now without a full check?

[@robbincompton7468]

I’m proud of you. I save $50 a month cutting my yard. The yardman cuts and weeds it once a month. I ordered a weed eater and plan to learn to use it. Then, I’ll save $100 and get my exercise, too. 😁

[@OurBlackUtopia]

YASSSS, health is wealth! Now we see this in action. Good health leads to more choices. Ric and I are in LA getting our condo ready to rent out - and the plan is for us to paint the whole condo. 🤪

[@OurBlackUtopia]

The key - is the manage your expenses. Pershingrifles - do you know where every single dollar is going? When we looked line by line at our spending we noticed that we were spending almost $1,000 per month eating out at restaurants. And then we would complain that we couldn't go on that European vacation with our friends.

[@OurBlackUtopia]

🤣

[@ashleyirenepeacefulwarrior2698]

I'm 36 and took this last year off. This was due to many points made in the stress, health and trauma. When I stopped working my fitness age was 67 years. Today it is 41 and dropping!

[@krystalmarie5637]

Hello, congrats on bettering your physical well-being. Can you elaborate a bit more on your fitness age vs actual age after stopping work and what you've done to improve?

[@OurBlackUtopia]

Hey Ashley, Thank you so much for watching and for adding to the conversation. 💕. I'm sure I was in the same position - I was so stressed out that I couldn't eat. 😥

[@jeannestrickland7027]

My youngest child did the same thing. He took his degree from an ivy League college, packed up, and moved to a state where he thought he could be happy. He is living on a meager income, but he has peace of mind working part time. My hope is that he will one day find something that is less stressful and financially rewarding.

[@RHDEM]

Tell us how to get healthcare and survive. We need answers.

[@Realdeal376]

@@RHDEM 1. Start taking care of your own health. 2. There are other things I just don't want to say on the Internet

[@kimberlyturner4065]

The U.S. economy definitely depends on African Americans, not just in the work force, also our consumerism…

[@OurBlackUtopia]

You got that right, and they need to feel the pain of a Black brain drain

[@JeffNoel-g8e]

Immigration doing the pain now because they are trying to stop reparation ❤

[@dreameryoung38]

No they are bringing in the immigrants

[@calivette2020]

First time watching and I feel at home. Started working salary at 18 and had all my 40 work credit at age 38 on the dot. My dad got sick and passed soon after and I had to make a choice to help my dad and I’m glad I did and lost the job. These jobs keep us so busy we can’t follow our dreams, we can’t figure out our true history and we can’t find time to relax all while at the same time we are supposedly the laziest people on the planet. I was never one to kiss up for points or join in on cliques work place bullying others and I must say I’m proud of myself for it. I don’t miss any of it. I learned as many jobs as possible and kept getting passed up for promotions. I thought I was doing the right thing but they just kept using me thinking I liked being underpaid.

[@firstbornlove8116]

I agree wholeheartedly, God bless

[@PreciousFrazier-n8q]

Yes imagine working excessively, unappreciated for 40 years retire move back to your hometown, put your retirement in them folks hands, they get the wall street fever and start messing with your stash and before the year is out with added stress you done gone to sleep. All those years and you only got to enjoy some months of it.

[@fredinvest.2134]

Wow,I have been there the story of my life.

[@OurBlackUtopia]

Hey Calivette - Welcome and thank you for watching. 🥰 I remember getting passed up for a promotion because I was "too valuable" where I was. 🤨. I was looking around for the hidden cameras because I knew I was getting punked!

[@janetday5431]

I have never heard anyone say we are lazy people. That's a lie. I'm getting tired of working the hardest, I want to trave,l am still healthy.i read lots of books on living healthy, I love herbal medicine, it works for my family, massage therapy keeps my muscles and skin healthy. Eat to live,not live to eat. True saying!

[@djjamar]

I retired at 44 after my job required that shot. Never going back to a 9-5 or corporate job. Paid off my home and my land. Less is more.

[@OurBlackUtopia]

Hey DJ, as I'm reading your comment I am at the end of another day of clearing out my mother's home as I move her to assisted living. My mom never believed that less is more which is why Ric and I must subsidize her lifestyle. I never want to accumulate too many 'things' ever again!

[@Jacquelyndorindachic]

ABSOLUTELY

[@originaleverythingelseisca5977]

I love that!!

[@originaleverythingelseisca5977]

So how did you retire at that age? Would love to know, so I can to.

[@MM-ng5wc]

You give us some inspiration by a little history of your life to retire at 43

[@missbell1634]

Some of us have to do what we have to do. And you also have to factor in not everyone is married or have partners. You have a bunch of single people out here trying to survive. They can’t retire early no matter if they want to or not. So we also have to teach some survival skills for the folks who are still out here in the workforce currently!

[@OurBlackUtopia]

My dear Miss Bell 🥰 - the survival skills are being taught on this KZbin channel AND condensed in Beyond the Bling. Why don't you start with this playlist: kzbin.info/aero/PLBz23gmWgdD5Dz0qygAKFSMuNtNhKR-2m

[@unc1221]

Life is about survival, that’s the first thing that should’ve been taught. It’s why we are struggling now, can’t build nothing, can’t cook anymore, can’t see clothes, etc.

[@x2for10x]

I retired at 43..... Now 47... Best decision ever made ...

[@OurBlackUtopia]

Congratulations! enjoy!

[@originaleverythingelseisca5977]

How were u able to retire?

[@x2for10x]

@@originaleverythingelseisca5977 2017.. I paid off all my debt ...then I sold my house in 2018... Then I invested every dime in the market....in 2018.... Now I'm set for the next 30 years... Still on a budget... But I don't have to work again... The same thing is happening again in the market.. ... It happened in 2008 (market crash and rebound ).. but I was broke... In 2018 I was ready...

[@MM-ng5wc]

How how. 7 figure jobs?

[@x2for10x]

@@originaleverythingelseisca5977 first I paid off all my debts in 2017...then I sold my house in 2018... Then I invested every dime in the market..... That's the gist of it... But... No I didn't have a 7 figure job... I had 6 figures from the house sale and anything you invested in ...in 2018s market went up .. soo... That's that..

[@Audrey-r9y]

I had to quit my remote job on 12/31/2023 because my supervisor is racist and started shorting my work hours. I quit because she thought I couldn't make it with out that job. Little did she know I get my husbands social security and pension. I am a widow, I have arthritis in my hand it's hard for me to write or type. Getting treated like she was treating me is terrible. My husbands home town was Buffalo NY. and he used to always say that it's a over abundance of racist people there and my supervisor was from Buffalo, and boy I have to agree with my late husband.

[@pauobunyon9791]

They moved out of NYC to Buffalo and Niagra so they could have Klan rallies vote for Trump and curse the Reverend Al Sharpton to there hearts content . Careful up there sis ❤

[@trechinotre3742]

Good thing your husband was a hard working MAN.. because if that wasn't the case u would still been in that situation 💪🏾 lol u really should be thanking your husband 💪🏾💯

[@trechinotre3742]

We as men build for our families and that what u got the benefit off of a strong man

[@OurBlackUtopia]

Wow, I hate to hear that - stress upon compounded stress. But happy to hear that you had the income streams to be able to choose when enough was enough. 😉

[@OurBlackUtopia]

😳

[@vironnie]

I noticed, and I'm one of them... Me and my wife just retired November 2023 and moved to Belize...I'm 56, and my wife is 51.... We just wanted a debt free life outside of the hustle and bustle life we were raised to do in the USA... We are loving life right now...living a simple life

[@OurBlackUtopia]

Thank you so much for watching and for adding to the conversation. live life 💕

[@Jacquelyndorindachic]

PRAISE THE MOST HIGH

[@pls5201]

“Got to get permission to be a human being.” And “They always talk about family until they let you go.” She said it! Thank you! I retired healthy and “on time” at 65 in 2019. Planned well enough and am learning new ways to live free and happy. Considering living part-time overseas. Thanks for your channel.

[@OurBlackUtopia]

Hey there, CONGRATS 🥳 on your retirement. You should totally live in another country 1/2 the year! Thank you so much for watching and let us know how we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@YoungE591]

They do. Lol😂 the business world is not for people. 9-5 no family time .

[@typee507callo2]

Hello, I retired in 2020 during the pandemic, while working at home from a corporate job customer service. Our director sure made the job harder with so many unreasonable statistics. These stats were formulated so she could look good and not what the job really reflected. So they laid me off for 3 months and called me back to work the following week, but all along I had been thinking this was the perfect escape, and I took it. I worked there 31 years no nice emails of how valuable i was as an employee which was relayed to me from a friend at work. No one knew if I had quit or was fired. That wasn't very nice of them. Retired at 62, now I am 65, best thing i have ever done.

[@romienomie]

I plan to quit next year at 65. It's past time to go

[@OurBlackUtopia]

Hey typee- Thank you so much for watching and for adding to the conversation. 💕 The folks that we are forced to work with rarely tend to be folks we would choose to hang out with. The work itself is not the problem, it's the people. 🤦🏾‍♀️. Congrats on getting free.

[@originaleverythingelseisca5977]

So happy for u. They have black women working like work horses cause they know a lot of us will and have to

[@1entrprznwmn]

We as Black people must begun to make better choices in our diets take adequate amounts of sunshine or take adequate amounts of vitamin D3 because it controls your immune system and overall health. Also our lifestyles are very important because stress is a killer my father had a saying and lifestyle "don't sweat the small stuff and guess what it's all small stuff" my father lived many years after retirement with this lifestyle.

[@JUDALATION]

the food in the USA causes cancer....look it up

[@OurBlackUtopia]

I love that saying - and it is so true. We just get caught up in the minutia and miss the big picture. Once you step back 😃 it's all small stuff. And nurturing relationships is the big stuff. And that takes getting your money straight so the J O B doesn't control your life.

[@RealVegan29]

I’m 35 and I’m tired of working. Working for an agency is not the best. It’s best to work for ourselves. Finding passion that turns into entrepreneurial opportunities is best.

[@OurBlackUtopia]

Hey RealVegan - you're absolutely right - when we work for ourselves the sky is the limit on how much we can earn. 🥰 Welcome to the tribe.

[@RealVegan29]

@@OurBlackUtopia Yes indeed! Thanks!

[@escalade8759]

I love learning new things! I taught myself how to buy real estate with no money down, and buy, sell and trade crypto-currency. I also taught myself to fish and swim. We should always be learning.

[@OurBlackUtopia]

Exactly!! 👊🏾

[@DaveSincere]

I LOVE this conversation!!!! Thank you!! I currently work in Corporate America and I've lived through much of what you two are talking about. Corporate America was not made for many of us.

[@OurBlackUtopia]

Hey DaveSincere - no, Corp Amer was NOT made for folks like us. It's like a leach that will bleed you dry if you let it. Are you considering a move abroad? If so, here are some resources that might help: bit.ly/OBUresources

[@originaleverythingelseisca5977]

It sure aint

[@CLTrattler704]

Thank you for sharing this information. I just turned 55 and am seriously considering changing my lifestyle to do more of what I like, with whom I like, when I like!

[@GrandSolarEclipse]

That brings in more meaning to life.

[@OurBlackUtopia]

Hey J - there is no time like the present and no other day that is guaranteed. Life is short. Do the math and see what it's going to take tell them to take the job and shove it. 🤣 You should start with our Ready to Retire Toolkit: bit.ly/OBUresources

[@OurBlackUtopia]

You're absolutely right, solar eclipse 🥰

[@CLTrattler704]

@@OurBlackUtopia - Thanks for the link to the toolkit. I will take a look at the info there.

[@tysgem7]

@@CLTrattler704 I'm about to take a look at the link as well. Thanks for the link. :) Last year I took time for myself and had the pleasure of visiting Dubai and Capetown, South Africa. Let's see what adventures 2024 will bring. :)

[@julieweiner1623]

I took my man of color right away from the USA 7 years ago. I’m the minority now. He is safe now and I am happy out of the matrix of hate in the USA.

[@OurBlackUtopia]

The matrix is exactly how it feels! Thank you Julie for watching and for adding to the conversation. We're happy that you and your man now feel safe. 🥰

[@samiamserenity]

Yay 🎉 for taking "the red pill"Julie !

[@ladonna2u742]

Because of my physical disabilities, I was forced to retire early from government job of 21 yrs at the age if 53. It wasn’t an easy emotional transition. I live in over-priced, crime-riddled California. Would love to move out this country, but I am a care-giver of my 91 year old mom. Blessings to both!❤❤✊🏾

[@KevinJ-o9c]

Keep pushing. Take care of ur loved one and when the time is right, move out of the country. I suggest south or central America! Plenty of black and mixed black folks that share very similar cultural experiences, food, etc as black Americans. If ur from California, you'll love Colombia or Ecuador. Just don't bring the same mentality as the states and learn Spanish trust me!

[@OurBlackUtopia]

Hey LaDonna - we're in LA right now and OMG is it expensive. I understand about senior care-giving...🤗😳

[@KevinJ-o9c]

@@OurBlackUtopia I'm watching ur video rn and ran across the part where u mentioned u lived by the Jungles. Wow, small world 😂. Born and raised in Inglewood and currently in Gardena rn. Much love and thank u for ur content!

[@NO1CAN007]

I'm trying to do this at fifty two...

[@gwenscott5722]

Some countries like Philippines let's you have a medical based visa for elderly over 50 with a pension for as little as $800 a month. You and your mother can move.

[@luciledorsey8105]

Hello, you are so true. Only way to live is to be your own Boss! I was tired of giving my life to another. No more!

[@OurBlackUtopia]

Boom! Yes that right there😎

[@escalade8759]

My wife and I have been married for 35 yrs. We are both retired, and we only have a house payment. That to must go, in Jesus' name!

[@Fathertime-tv5wo]

Amen

[@OurBlackUtopia]

If you're going to move to another country do you really need to pay off your home? 🤔😉

[@escalade8759]

@OurBlackUtopia Not really! I just don't like owing anyone anything. I must say, though. There is a plan in place to take everything we own to include our homes. I read that after the crash in 2008, the government took over all mortgage backed homes. Imagine that! Honestly, we don't really own them anyway, even after paying them off.

[@dkelley8076]

Amen 🙏

[@carlosalbuquerque5672]

Someone once said, you are what you eat. Unfortunately Americans are eating poisoned food left and right. Not only eating but also drinking. Soft drinks are the last nail in the coffin. Putting this together with a heathcare system made only for the rich, I am surprised that some people still make it to retirement. Your point number one is probably the most difficult one to achieve.

[@escalade8759]

FACTS!❤

[@OurBlackUtopia]

Add stress to the mix and you have a most dangerous cocktail. 🤷🏽‍♀️ Thank you for watching. Let us know how else we can help your journey. In the meantime here are some resources that might help: bit.ly/OBUresources 😁

[@janetday5431]

You are so right,eating healthy should be our top priority, please try herbal medicine.

[@williams7concierge]

This came through my time line on KZbin…needed this cause everything said is soooo true ..I’m only 43 and have recently been laid off with a hefty severance and bonus (which I’m grateful) but after being off since December 23’ I can tell how stressful that job was making me now that I am free. Being black in corporate is a mental struggle in my opinion . My body and emotions feel different and relaxed . It scares me with anxiety for me to reenter the workforce again . I’m trying to see how I can pivot my career in the meantime to avoid.

[@helena3631]

This

[@OurBlackUtopia]

Hey William - It is amazing what we can adapt to, without totally realizing that we've adapted. 😳. Just as we should have a diverse investment portfolio, so too we should have diverse income streams. 😉 Get your side hustle together. Lower your cost of living. Save and invest enough to live a year or two in that lower cost of living. By that time your side hustle will pay your way. 😆

[@tiffanyevans8084]

I want to quit my job and find more meaningful work.

[@OurBlackUtopia]

Hey Tiffany, Thank you so much for watching and for adding to the conversation. 💕. Food for thought: Instead of thinking about the next chapter from a work-centric POV, consider it the other way around. What do I want my life to look like? How much does that cost? What would I like to do to finance that life? More free time, less work. 😉

[@applejellypucci]

Did my time in the military and now at 38 I can finally rest. Thanks for this chat.

[@chuckfreeman8120]

I retired at 55 because I plan for it in my late twenty.

[@sherryburton7644]

Nice!

[@OurBlackUtopia]

Unfortunately Ric and I were not as smart as you. 🤣 For others who are new to Our Black Utopia - I retired at 57 and started planning for it at 52! It can be done. 🥰

[@lapx1]

Find a hobby And make it ur job and you never worry about retirement

[@mcclendonreport]

@@lapx1 indeed. Do something that fulfills you. A life’s work, not a job, or retirement.

[@sd247]

I hear you. I'm 60 y.o. and proud to be a Baby Boomer in this time and age. In 2020, I had a gut feeling about the change of times and threw money into my retirement and put it in a stabilized fund when inflation hit in 2022. Melanated people are hurting their jobs for mental, physical and spiritual peace. For White America's workforce bud triffling.

[@johniewilliams1951]

One must change their environment and their diet. Exercise and meditation. We have been conditioned to work until you reach retirement. No punt intended you have been blessed to have met, and been blessed to have each other. Everyone is not able to do so. You are a great team.😊❤

[@OurBlackUtopia]

Hey Johnie, Thank you so much for watching and for adding to the conversation. 💕. You're on point. Unfortunately, everyone will not be able to get to financial freedom. But we believe the majority of the folks who watch our channel CAN get to financial freedom - some journeys may be more challenging than others.

[@johniewilliams1951]

Thank you, I'm heading to Tanzania, Dar Es Salaam. Taking my educational skills to work with children. Teaching Art and English. You keep up the good work and maybe we will meet on this wonderful journey we call life. Peace and blessings to you always. Hakuna Matata, astante sana.

[@CHI-TOWN-CHICAGO]

Shout out to the both of you! Thanks for your highly informative and enlightening video! I'm age 72 and a retiree and planning on moving to Cali, Colombia to live out the rest of my life! VIVA CALI-COLOMBIA BLACK EXPAT! ASE!

[@OurBlackUtopia]

We LOVE it! 😍 ✈️ - Keep us posted and let us know how else we can help your journey. 🙏🏾

[@kimberlyirish6268]

Thank you Both for all that you do!❤

[@garywalker9207]

Don’t know how or why yall popped up on my feed….. BUT it was meant to happen. I liked, appreciated and agreed with EVERYTHING you spoke about. I recently applied for Disability Retirement and absolutely will be contacting you for financial planning consultation. Thank You! GerryW Southeast USA

[@taharqa332]

FACTS!!! I was like WOW!!! How timely is this?

[@OurBlackUtopia]

YAH! - the stars aligned 🤩 - those folks on those jobs will try and kill you if you let them. I surely did...almost let them, that is. Once Ric and I figured out how to get our money straight - my attitude at work changed dramatically. 😆

[@OurBlackUtopia]

Hey taharqa - glad to hear it 🥰

[@fultonguyy]

2016 @62 yrs old i resign haven't looked back, GOD bless us to live on a lake, lacking nothing, all we pray for is good health to enjoy all God have given us🙏🏽

[@OurBlackUtopia]

Awesome!

[@OdessaHardy]

I just turned 60. I work part-time for insurance . I have a small business. I travel at least once a year. I was just in Portugal for 13 days....loved it. I want to retire too.

[@OurBlackUtopia]

Hey there, thank you so much for watching and let us know how else we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@jamesrecknor6752]

Philippines is fun

[@angelacoker3251]

I’m so happy I stumbled upon your channel. Clearly by accident and maybe not. I was terminated from my job as a property manager on January 3, 2024 . I prayed on January 2, 2024 asked God to help me because the job was very dangerous and stressful. My property was a distressed tax Credit property and the criminal activity was out of control before I took over it was bad 😳 I was overwhelmed and scared. The next day the Regional manager came in with false charges and told me based on their findings I was not a good fit for the company. I replied thank you Jesus!!!!! Glory to God, he heard my request and answered me the next day 💃🏿💃🏿💃🏿 since I’ve been home I have been trying to find something and I’m going to start a house sitting service that will keep me free and keep money coming in. So much politics in property management and corporate America period. So happy to be free💯💃🏿💃🏿💃🏿

[@OurBlackUtopia]

Hey Angela, glad you're out of the dangerous situation. I'm assuming that you already know about Trusted Housesitters?

[@Leniece97]

Good vibes from you guys - I started W2 work at the age of 14 from fast food into health care. Im now 50 and proffessional nursing has drastically changed. I've seen the ugly from pay disparites (especially if you're black and a woman) to the horrible staffing in most hospitals and skilled nursing facilities. Its all become a huge money grab and its become dangerous and unhealthy to your mind and body. IM OVER IT!! Living in and working on the property that my husbands mother left us its a heck of a challenge - we own it debt free- the idea is to continue to upgrade and add more space. The way this world is going its better to own your home if at all possible and have as less debt as possible. Real Estate investing may be a better option to make money as long its done correctly. just FYI- DO NOT KEEP ALL OF YOUR MONEY IN THE BANK. HAVE CASH ON HAND THAT YOU CAN GET YOUR HANDS ON IF YOU NEED IT. Thats a whole video I need to do.

[@nappyqueen86]

Wow thanks for the comment. So glad I dropped out of nursing school and joined the military.

[@OurBlackUtopia]

Hey Leniece, thank you so much for watching and for adding to the convo. 💕. We did that video already - about having a go bag especially with the political climate in the States.

[@bunkeyw9905]

You are so right I retired 5months ago, and yes 🙌 I’m really enjoying my retirement. My hobby is music I’ve been doing karaoke. And the feeling is very rewarding.

[@shirleyeaglin9075]

Take her with you. If you take care of her anyway what's the difference. I wish my mom was still here. No nursing home for her.

[@OurBlackUtopia]

Hey Shirley - my mom doesn't fly - it's impossible. But she's not going into a nursing home. She's going into assisted living with my dad - they will be roommates. 😆 It's a private home with the para-professional living in the guest house. I couldn't stomach a "facility".

[@OurBlackUtopia]

Hey Bunkey, Thank you so much for watching and for adding to the conversation. 💕 we LOVE karaoke 🎤

[@yvonnemcfadden8488]

Hi! My true name is Janice and I subscribed to your channel several months ago. You all got my attention when your channel popped up on my feed and I learned that the two of you were about my age and are doing the things that I want to do. You inspire me a lot. Thank you for sharing your advice and expertise! I am 58 and getting ready to quit my job by the end of 2024. I’m not financially fit but I’m Spiritually Fit! I trust The Most High and this is what I’m being led to do. I’ve broken away from this system mentally but my husband has not. I’m breaking him down, though! Lol.

[@firstbornlove8116]

Yes hold on to your faith and step out . I just quit my job as well. I don't regret it at all . I've worked so hard in a white male dominated industry which only gave me so much stress over 24 yrs. I'm 58 as well .. Congratulations on your new journey ❤

[@shyvixx1]

Don't quit a job if ypu can't take care of yourself

[@OurBlackUtopia]

😆 Hey Janice, thank you so much for watching and for your encouragement. 💕 If you're spiritually fit you can get financially fit - part of getting financially fit is the faith to know that the sacrifice is not forever. 😉

[@escalade8759]

Proud of you guys! Keep pushing this!

[@OurBlackUtopia]

Awww, thank you 🥰!

[@janethamlett9703]

I like this channel. I retired at 59 and I am very happy. We must stay focused and disciplined to implement our retirement strategy early. I stayed on a strict budget plan to make my dream a reality.. As a single black female, I am very proud of myself not having to work in such a toxic and unfair environment. I aplaude you for getting out of a terrible job situation and finding your true freedom and staying mentally, physically and spiritually healthy. We must spread this new found freedom. It must become contagious.

[@helena3631]

I am 38 I am out god willing at 55 what money not made it’s what it is… these jobs take ur life force…I was getting sick from my other job my bp was thru the roof never again

[@OurBlackUtopia]

Awww, thank you, Janet 🥰 and thank you so much for watching and for your encouragement. 🎉 CONGRATS on retiring early 🥳 I was forced to because taking care of my dad and working 60-70 hours per week was not sustainable. 😳. Thankfully, instead of finding a new job, we looked at the math and it was mathin' 😆

[@markjackson7502]

We need to investigate going back to the Mother land in droves and divest in this system it's failing drastically and we are what holds this thing together, and always have and being the key to this system failing or succeeding we need to realise our power, and work as one in unity.

[@fn4086]

Understand that this is our homeland. Our ancestors built this country. We don’t need to go anywhere. White supremacy has touched every part of this world and we can’t escape it. There’s nowhere for us to go . We’re not flee-ers, we’re fighters.

[@ELway21]

They treat black Americans poorly over there

[@wakeupluv]

🎯 💯

[@OurBlackUtopia]

Hey Mark, I hear your frustration. Thank you so much for watching and for adding to the conversation. 💕 There are some wonderful places on the African Continent to live and we know folks there who are thriving. No place is perfect - know that. And as some folks below have said white supremacy has infected the globe. HOWEVER, there are places were you are treated like a human and you should find that place for yourself. Just make sure you do a solid scouting trip - you can find some tips for that here: bit.ly/OBUresources

[@OurBlackUtopia]

Hey fn4086 - thank you for watching. On this channel we believe that folks should be able to live where they want to live. And if they're tired of fighting and just want to enjoy life without having struggle - I'm all for that. All that "fighting" has shortened our lives - WYPIPO gon do what WYPIPO gon do🤷🏽‍♀️

[@BarryJohnson-f4j]

Hello, Halisi and Ric, i can relate to your topic i left the workforce early last year. My wife left at the end of last year early her corporate job and we are preparing to move abroad to Thailand. We are just 52 years old but i wanted to be stress free and let the chains of long on fair American hours go and take a breath of fresh air. We did a two-three month stay in Thailand last year 2023. It was fun and exciting to leave the racial divided USA. society. I enjoyed people treating us like a real human people and not being 3/5 of a person. Preparing to sell the house and our belongings, to live near the beach of Pattaya Thailand. It takes a plan to leave the jobs early to survive each day as a normal person. The lower cost and top-notch health care will allow us to follow our dreams to try something different adventure abroad in southeast Asia, before the flicker of life ends for us, time is short you better live now!! We just don't want to be plain jane here in the states. Finally free from master! Thanks Barry Atlanta GA

[@OurBlackUtopia]

Hey Barry from Atlanta - CONGRATS to you and your wife - we're so happy that you found your happy place. Once you've moved, reach out to us - we'd love to chat with you on our channel about your experience. ([e-mail]) 😉

[@shacklesoff]

We visited Thailand in 2018, and we loved it.

[@marcj3757]

Zoom to Thailand

[@MrsSparkle]

I just retired early last May, former teacher. I think a lot of people really had an exit plan because they saw their employer in a different light during the pandemic. When people were home they realize they were working too hard for too little money. Many people have moved to more tech jobs where the playing field seems to be more equal. I want to visit Portugal. I was recently on a cruise and a whole group of Senior Citizens were telling me how they are moving to Mexico. Many people are feeling pushed out of Florida.

[@OurBlackUtopia]

Hey Mrs Sparkle - Thank you so much for watching and for adding to the conversation. 💕 Florida may still be fine for folks moving from NYC, Chicago, or LA - but for most of the rest of us, it's too expensive. The pandemic definitely illuminated some unhealthy American habits, if people were willing to look. It also helped Ric and I see how little we needed to survive on. So during the lock down we paid the last of our credit card debt and upped our savings rate to 65% of our income.

[@MrsSparkle]

@@OurBlackUtopia Yes many who are in Florida trying to go to Mexico because HOA are killing them now. Its sad the American Dream when you're old is to go, move to another country, lol.

[@SongsUncut]

If you own a property up north and sold it you can still purchase a 3 bedroom townhouse in Florida for 250k-$300 in a nice community with amenities. Also, you can save your money while working part time to pay light, water Internet and food. Remote work is in as well. The rest of hours belongs to you.

[@Shirley-n-Maryland]

​@@SongsUncutwhat about the high property insurance costs in Florida? Those costs & the increasing property taxes might knock folks out of Florida real estate.

[@SongsUncut]

@@Shirley-n-Maryland Less than $2k for property taxes. If a person comes to Florida and live modestly, they can be successful. Lots of my neighbors previously lived up north.

[@escalade8759]

Going to the doctor is a whole other issue! We must start seeking out health solutions for our own lives. Healing us doesn't pay! It's all about the Benjamin's! Know thy own body!

[@tracywalker244]

Absolutely Agree!

[@escalade8759]

@actionpotential23 Big deal! You will have bigger fish to fry before it's all said and done. Remember who taught you that, professor!

[@OurBlackUtopia]

Thank God, the healthcare systems are not the same in every country.

[@lalee6478]

100

[@kingdom_J]

I walked away from my Corporate America job on Dec. 31, 2023. I'm soooo relieved & ready for the next season that God has for me 😊

[@OurBlackUtopia]

We're so happy for you 🎉 CONGRATS! Thank you so much for watching and let us know how we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@mslovelybee3615]

This is such a blessing. I, too, was laid off in 2021. I opened my small business purchased land, and I have not felt so free. GOD manifested my prayers. Thankful

[@dionnemarievoiceover5143]

Please consider having a financial planner on a future live who specializes in expats abroad and tax implications. This was an excellent video

[@OurBlackUtopia]

We did that video 😉. kzbin.infoiRJACfvQDpY?si=14q6yyRFpFPhFKsw - let us know what you think.

[@PRECIUZ739]

I am really considering selling my house. I'm in Houston, and my property hasn't risen very much in price. Only about 80 grand. And that's enough to live on permanently. But I know I need to get the hell out of dodge. I have NEVER been or suffered from depression. But the last 3 to 5 years have been HELL WITH GASOLINE PANTIES ON. I don't know what to do. These jobs are HORRIBLE, to say the least. I've been nursing for 23 years, and I HATE IT. Nursing was fun when I started. Yes, there were inequalities and the backhand BS. But the TURMOIL that set in during the time that trump was running for and in office. Set off some DIABOLICAL MADNESS and peoples masks came flying off. And for some reason, I just feel I've never recovered from what I saw, heard, and the treatment I received. I have so much anxiety that it's unreal. I've gained so much weight from steroids and medication. I text all that to say THANK Y'ALL for keeping us informed on choices and ways to leave this place. Before I end up in a pine box.

[@vanhalen45]

Early retirement to a healthy and socially beneficial environment would be good.

[@PRECIUZ739]

@vanhalen45 well that would be the so called retirement. And that ain't enough. I'm one of the ones that never got the memo on saving etc and all the rise in the ages to retire. Even though I have enough benefit, I don't have the age.

[@ValerieinRealEstate]

@preciuz739, I have some friends who are real estate investors who could possibly give you some suggestions on what to do with your house if you are looking to sell. They will not undercut you.

[@PRECIUZ739]

@SaveonRxnow that's nice. No harm in a discussion.

[@Latonya4051]

Please reconsider selling your home you have to live somewhere & rental and buying a new home is very costly!

[@Queenbelieveit]

Facts ❤I resigned from my job during the pandemic to care for my daughter. And considered a remote position. Not worth the stress. I’m looking now to start retirement planning seriously. So important ❤

[@ronaprescott4007]

The pandemic certainly caused people to look at their priorities.

[@OurBlackUtopia]

Hey Queen, Thank you so much for watching and for adding to the conversation. 💕. When I realized how little support there is for people caring for their parents with dementia or Alzheimer - I knew I needed to do two things. 1. Retire ASAP so that I could reduce the chances of getting dementia. and 2. Retire ASAP so I could figure out how to get proper support for my parents. 😳

[@Onechosen492]

I quit my job last week couldn’t take it no more it was to toxic 😂😂

[@sd247]

I hear you, more free time is essential for mental, physical and spiritual peace. I always worked part-time. People asked me why and I told them I needed time for myself and didn't want to totally tie my soul to a job that treated poorly. Working part-time allowed me to learn tracing deeds for friends buying properties and to relearn how to sew without the fear. In fact, I helped friends acquire properties by taking loans out of their retirement (they didn't qualify for a regular loan and taking a loan from themselves didn't put them in debt.).

[@OurBlackUtopia]

And that's what so many of us don't understand. If you stay out of debt, keep expenses low you get to work part time and learn new stuff. 😁 Thank you so much for watching and for adding to the conversation. 💕

[@donnatate6327]

As black folks we are needed in our communities. I have always been concerned with helping undeserved youth but I would be so exhausted and unmotivated and needed the time for rest and some fun.

[@OurBlackUtopia]

Everyone is needed in the community - however, WE get to decide what that looks like, right?!? It doesn't necessarily look like volunteering down at the community center or putting together backpacks for back to school. It could look like a KZbin channel dedicated to helping Black folks get their money straight so that they don't have to rely on community services...😉🥰

[@WrldExplorer]

Love your mission. It gave me a purpose. Now I’m on a mission. Due to my military disability, I caught hell all the time when I had to take off work, or go to the doctor. I’m just at a point where I am tired of taking orders from people, that’s why it was time to cut it off 2 years ago. Watching Cinnamon is where I first saw this channel, and it gave me another option in retirement once I started following. Thank you once again.

[@OurBlackUtopia]

That is awesome and thank you for sharing your story

[@OmariSmithWUNSME]

It amazes me that I continue to be blessed with conformation that my move is valid. All your points seem as if I wrote them. Halisi...what you stated in point #4 is what I say to my wife often. I have built a business for 5yrs and now I want to live life...bye to the job of 27 yrs and hello to my new life! Thank you guys and many blessings!!!

[@OurBlackUtopia]

💃🏾 Yasss, Thank YOU, Omari - we love hearing others with a plan to live their best lives 🎉. I'm not sure if I really comprehended what I was missing by prioritizing work over life.

[@dianecrowder4971]

You are so right! I am a nurse who works in New York! The stress and subtle racism were at an all-time high! The pay was great, but I started to work in home care. For me, it was something I should have done a long time ago. The stress factor is non-existence. I actually save more money and spend less money! I am in the process of getting a part-time remote job!🤷🏾‍♀️😁😎

[@OurBlackUtopia]

Yassss, Diane, so happy for you! Saving your life while you're saving others lives. Let us know how else we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@dianecrowder4971]

@@OurBlackUtopia Thank you, I definitely will!😎

[@gayanngodfrey2824]

I’m a nurse here too, is it home health or private duty nurse? I’m stressed too

[@dianecrowder4971]

@@gayanngodfrey2824 Lpn😎

[@SongsUncut]

The ability to pay for insurance coverage changed the game. People don't have to remain at a job to pay their insurance so it opened the door to entrepreneurial agendas. This country has millions of people so if you cater to a minority, you'll be a millionaire. Remember to share how you got yours by deserving people.

[@OurBlackUtopia]

Hey SongsUncut - YOU ARE SO RIGHT!!! - Thank you so much for watching and for adding to the conversation. 💕 And the world has a kajillion people and English is spoken all over the globe so your uncut songs can be monetized and enjoyed globally!

[@PurpleGoddess24]

New to your channel. I just turned 40. I am a single mom of 2 of which one has a disability. Last time I worked was Sept 2019 they let me go. I've applied for so many jobs and interviewed for 2022 and 2023 and every time I get turned down. I gave up after the 100th interview. Being African American and a woman, I just got so tired of being used for an interview to not get hired. I'm so tired of the long hours just to be stressed out over to say I have a roof over my head knowing they can raise the rent anytime. The homeless are the smart ones saving the little or more income that they may have or need Seems like it is easier to live on the street instead of stressing over a place. Why rent for a place of many years that you will NEVER own. As a Renter ...After I pay rent and lights for the month i'm broke. You two are a breath of fresh air. Ty

[@OurBlackUtopia]

Hey FutureBeauty, Thank you for watching. Please forgive the delay in responding. Life has been lifin'. 🙄 and KZbin held this one up for some reason 🤷🏽‍♀️ Tonight we're going to be talking about the $$$ - I'm not sure how you were doing your search or interviewing, but I don't want you to give up. If you were searching for the perfect job, search instead for stress-free jobs - maybe you will string 2 part-time jobs together. That way all of your eggs are not in one basket. Check out Libriya Jones's KZbin channel - she's all about 100% remote work. We should always have multiple streams of income - millionaires do and so we should too!

[@robinyvetteriddick2603]

Hello. Many thanks for your passion to help educate black folks on how we don't have to be a salve to the US White's work force system. I am glad I found out about your KZbin Channel. There has been so much I have learned by just listening to your channel. I now want to take a vacation trip this summer 2024 to see Libson, Portugal. So, I have been doing some research on hotels to say in Libson. Would you know if the Holiday Inn in Libson at place to stay. Or can you recommend a reasonable? Thank you for your time.

[@OurBlackUtopia]

Hey Robin, thank you so much for watching and for your encouragement. 💕 - We rarely use hotels, and have never stayed in hotels in Lisbon. However, we did a video on Airbnb's and places to stay in Lisbon - in that video we mention our favorite areas ( there's also a map you can download in the description of that video). If you stick to name-brand hotels in those areas that also have good ratings - you will probably have a great experience. kzbin.infoT-7tyt_2NnM?si=nxG4x1odRdBezjtX . I hope this helps.

[@montreaticacrespo3360]

Just had this discussion with my boss he tells me l have to give him 2weeks notice to have a day off. I said so you have to schedule sick days l laughed in his face and told him I'll see you on Wednesday this happened on Monday. Yes I'm taking a mental day off and you need to open the store that's your responsibility if l don't come in.He was livid mind you l have worked for this company for 3yrs without calling out thank God l hadn't gotten sick during that period and now you have a new staff and you ask them if they want holidays off but you never acknowledge me. No more

[@OurBlackUtopia]

Hey there, you are so right - those who work the hardest rarely gets acknowledged. That's why I say for most of these jobs do just enough to get by and not a bit more.

[@startrekmom8001]

Good Afternoon. I was perusing through YB and was blessed to listen to your video, how are so many black folks quitting their jobs? This video was great. I am a mom of two teenage girls, one entering high school next year and so much is going on. I am not accountable and know better since you discussed white supremacy and how, we as, AA unknowingly adhere to these unwritten rules and way of livin', i.e., keeping up with the Jones'. I tell my children to work hard in school, and work smart at work. Employers always want to dangle the carrots in front of us, as if we worked harder and "be a team player" then maybe a raise, etc will come. I am not falling for the gaslighting any more. Thank you so much for sharing your pearls of wisdom.

[@OurBlackUtopia]

Hey Star Trek Mom, you are so welcome and welcome the Our Black Utopia. I cannot take credit for the correlation: working twice as hard for 1/2 the pay and staying in debt trying to keep up with the Jones'. I first heard it from @StephaniePerry. Our grandparents new the drill. Live below your means, save and invest consistently.

[@g.henson5941]

You guys are a fresh of breath air to see blk people just normal, speaking about life while still incorporating culture. I really feel at home ya'll ❤

[@wakeupluv]

I agree!! ❤

[@OurBlackUtopia]

Awww, G. thank you 🥰 and thank you so much for watching! Let us know how else we can help your journey. In the meantime, you might be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: 😉 bit.ly/FIREover50

[@DaKing-d1y]

I just would like to say thank you both for taking time to speak to all our ppl and address the serious issues that no leader of ours has ever done in history. I’m so proud of y’all. Y’all look good ,happy, and joyful. I just gotta say I love y’all with the love of GOD..thanks for the real black love support..and the great information..keep it coming y’all ..y’all got my 100 percent support.

[@OurBlackUtopia]

Thank You and thanks for being part of the conversation.

[@valeriecriss7825]

I want to quit my job but I do not have a 401K nor do I have insurance or money saved up. I'm living client to client. I'm a hair stylist

[@OurBlackUtopia]

Hey Valerie, if you do not have access to a 401k than you should set up an IRA and try and max that out every year. What ever amount you are saving and investing $5.00/week or $50/week try and increase it by 1% at regular intervals; once per paycheck/month/quarter. If increase your savings rate by 1% per month by the end of the year you will be saving 12% more than you were before. 😉. Let us know how else we can help your journey. In the meantime here are some resources that might help: bit.ly/OBUresources 😁

[@dionbrooks4981]

I'm like u I live client to client...I do have a financial planner I started late on my retirement ...I'm 54 it's never to late...n I just got married for the first time in 2022

[@karenkelly1216]

Look into investing, doesn’t take a lot of money. Look into stock options and d forex trading.

[@woodybostic1128]

So good to see our people holding real conversation about our people and the information is actually educating and informing our people..

[@OurBlackUtopia]

Awww, thank you Woody, 🥰 and thank you so much for watching and for your encouragement. Let us know how we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@karenkelly1216]

I don’t know how I came across your channel but it’s uplifting. Thank you both🙏🙏🙏

[@OurBlackUtopia]

Awww, thank you, Karen, 🥰 and thank you so much for watching and for your encouragement. Let us know how else we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@SuperReasonabledoubt]

There come a time.. when you realize, it's time for something else ; at any cost. especially if you have a entrepreneur spirit to fulfill...

[@OurBlackUtopia]

Exactly! 👍🏾 Thank you so much for watching and let us know how else we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@abdulidi733]

Special thanks for the incredible educational content ❤

[@OurBlackUtopia]

Our pleasure! - great to see you in the live stream today. 😉

[@u.s.5174]

Good stuff!!! In regards to health care, Educate yourselves on your health before going to the doctors. I found that if you question them and ask specific questions, ask their names (especially if in the ER or hospital) ask for the spelling of their names if you are unsure... take notes... healthcare workers will feel more accountable when you take more of an interest in yourself and when their names and credentials are on the line💯

[@OurBlackUtopia]

I think you might be on to something. I usually have to step in when a family member has something that's beyond the normal coughs and sniffles. To me they don't seem to ask enough questions. 🤷🏽‍♀️

[@taharqa332]

Wow!!! This is deep! … I retired on 31 December 23 at age 52. Just Fed up - fortunately I’m in a financial position to do so and honestly feel it’s the best decision for me. My wife has even noticed a change in me since I left (which was actually December 15th.) This is a great topic..keep up the great work; you earned a sub!

[@OurBlackUtopia]

Thank you so much for watching, Taharqa and for the sub,🥳 WELCOME to the OBU family! 🥰 CONGRATS on the retirement - the best is yet to come.

[@angelacoker3251]

I forgot to mention it’s so refreshing to connect with you two. Your positive energy is promising and very reassuring to witness your unity and love thank you for sharing I’m certain God led me to your channel. Happy to have made the connection ❤️

[@OurBlackUtopia]

Hey Angel, thank you so much for watching. Also want to thank you for your encouragement. Please, let us know how we can help your journey. In the meantime, you can find some resources at. a-new-dawn-prod-inc-dba-our-black-utopia-q1i5o1.mailerpage.io/resources

[@impala6464]

I'm 48 and started investing 30 years ago and planning to leave my job early in a year and 6 months after I finish building my cash flow portfolio.

[@OurBlackUtopia]

I know that's right Impala64 - I wish I would've been as wise as you. Of course when I was 18, you needed a minimum of $5000 just to get started and a broker willing to work with you. I had a 401k but I withdrew it all for a downpayment on a house. I think my money would've gained more value than the house did... Oh well.

[@DrJoniC]

Wow! I found you by accident!!! What a blessing! I just subscribed ❤❤❤

[@OurBlackUtopia]

Welcome Dr. JoniC

[@donnaanderson5669]

Congratulations on being married and stay married for so long and being happily married as well. Thank you for your advice. I greatly appreciate it. I would like to add that when you have a supporting partner It makes your life easier

[@OurBlackUtopia]

Yes it does. Hey Donna, 😃 Thank you so much for watching and for adding to the conversation. 💕 But we know single women who've done it too and single moms. Do you know Picky Girl Travels? @AdaliaAborisade - not only is she a single mom she retired from public school teaching. 🎤

[@OfficiallyFran]

I just took the jump December 1st, at 51. I'm scared, excited, hopeful and relieved.

[@OurBlackUtopia]

Fran YOU GOT THIS! 🎉 We've gone over budget a few times because our research was too old, prices changed, etc. And yet, we still have 2 years living expenses in our account and have not had to sell any stock to survive. Thank you for watching and please forgive the delay in responding. Life has been lifin'. 😳 Let us know how we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50 🙄

[@FeelThinkConnect]

I have not quit my job. I have went Part time to pursue more education. The feeling that soon I will be going back into the day to day 9-5 grind and managing a household, being present in my relationship with my partner and kids is so devastating and has created so much more worry in my life. I want to be able to support myself and my family so that my partner can be comfortable to pursue his passions and show him that it is possible and grow our savings so we can begin building a family and the life we want to live and grow old pursuing!!!!

[@OurBlackUtopia]

Hey FeelThinkConnect, thank you so much for watching and adding to the conversation. 💕 You don't sound excited about more hours being taken away from your family and other pursuits in order to make more money to help support your family. 🥵 Your goal should be to get to the point where you're saving and investing 50%+ of your income. Decide before hand how much you need to either BOTH drastically reduce your hours and/or retire. Let us know how else we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@neighborhoodlawncaremainte9847]

I’m ready… I am 53, retired from the military 11 years ago. my mom just retired at 72. Not going to be me. I had the same goal 2025 at 55 but I’m ready now. Ty for this…

[@OurBlackUtopia]

Yessss, 🤩once you make a decision it is amazing how opportunities present themselves that might have been right in front of you all along. For Ric and I, a friend was doing a seminar, right after the lock downs eased, and it was about mortgages and real estate investing. The rest is history. 🤷🏽‍♀️

[@sharlinemoore8549]

Retired at 58. It's not enough to travel 35 was enough. Downsize home got new one incl. car. No notes. Still need money. It's been 6yrs.

[@OurBlackUtopia]

Hey Sharline, Thank you so much for watching and for adding to the conversation. 💕 We will always need money 😂 but are you saying you still need income?

[@tonywhite2567]

2019 was the last year I worked full-time I'm not one of these people who say they miss it.

[@OurBlackUtopia]

I know that's right, Tony - I don't miss it AT ALL - we're having fun doing KZbin and learning new things - that's what life is about.

[@lkofie6670]

You know honestly at the age of 47 going on 48 my headspace is exactly in the direction of this video. I talked to my husband about it and the aim is to pay off major debt and get myself vested into my full-time employment pension plan and even if not be fully retired at least I'll be semi-retired meaning I can sustain myself by just working part time.

[@OurBlackUtopia]

Hey Ikofie, we keep telling our kids - yeah you like your job today, but what if you don't by the time you're 40 and you still have nothing saved? 😉 At the end, Ric and I were saving and investing 65% of our income. Thank you for watching and please forgive the delay in responding. Life has been lifin'. 😳 Let us know how we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50 🙄

[@Sheperdsdaughter]

I'm new to your channel and this is the 1st video that came up. This is also exactly the kind of content I need to keep me motivated. I'm a 36- year- old mother of 1 with disabilities. (Injured by the health care system) I was a teacher and now I stay home taking care of my son living month- to- month. I'm riddled with student loan debt, and the only thing at the back of my mind is what I'm going to do when I come out of this situation. Thanks to your channel, I've broadened my horizons.

[@OurBlackUtopia]

Yassss, we're happy that you see more options for your future. 🥰 A 100% remote job might offer you the opportunity to leave the US for lower cost of living country with good affordable health care. Here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@jaceitawalker4755]

Whoooo love! I am feeling you in everything. Grandmom is 105 (primary caretaker) son Mental health issues, sales work tech recruiter, homeowner, when do I get my brake? I’m here listening listening listening

[@helena3631]

Put ur son in a home and focus on urself and ur grand mom don’t let him stress you out

[@OurBlackUtopia]

😢 Jaceita - you KNOW that I understand! I hope that you're saving and investing and getting yourself in a position to quit or at least work less. Depending upon your son's situation, another country may have a healthier approach that could improve his mental health. 🤷🏽‍♀️. Look at your money, and set your date. 👊🏾

[@bbw1255]

Hello there! Glad to connect with you all. I quit my main job in March when we were asked to return to the office a few days a week.

[@OurBlackUtopia]

That's when I started saying ENOUGH is ENOUGH. I had gotten used to using my lunch hour to nap. 😆

[@nickwing6194]

❤ Love your channel ❤ i want to learn how people are quitting their jobs and maintaining cash flows. So i am watching your channel. Any tips anyone has on how you quit and how you have cash flow make money survive etc please reply to me. Jobs steal so much if your time.i see so many people in the stores or on the road at all times a day and i winder what they are doing for a living how are they able to afford being in the stores bills etc. How are you producing Income other than retirement? How are you handling inflation. I know my why. I just need to know the how and get the ball rolling. I have been paying attention to this for years. Jobs dont care about what your needs are family needs etc. They want you to have a degree for many jobs but they dont want to pay you degree money then they want to control you and tell you you have to have permission to moon light on time that is not even theirs. Etc I just need the how and step by step to do it. The stress in jobs is causing many life issues. Overseas are more focused on happy life health. Yes people have worked the job longer to get higher pension and then they have became ill or died and not enjoying the pension they worked to get. Also unemployment benefits are a joke you pay into the systems and the. When you need the funds they find every reason not to give you your own money. Its a sick system called job. There has to be a better way and i have been looking for it.

[@OurBlackUtopia]

Hey there NickWing - we have 1 social security check, 2 years of living expenses saved + another 5 years living expenses in investment accounts. We moved to a lower cost of living - Lisbon Portugal and stick to our budget. We preach diverse investment portfolio, diverse income streams. We have 2 rental properties, (so far just costing us money), KZbin pays us, we created a course based upon how we got our money straight, a digital download, we coach 1:1, and we partnered with Blaxit Global to host a Move 2 Portugal Virtual Summit.

[@samiamserenity]

❤ First time tuning in to your channel e-v-e-r-y-t-h-i-n-g you spoke about resonates so perfectly and personally with me ! Just left the plantation permanently in 2023 at 55 years of age... rocking on as a full time Domestic👑Queen, Entrepreneur & Investor... plan on traveling much more and making some serious money moves now that I control my own time. There's nothing like the feeling of FREEDOM... Just subscribed to your channel ! ❤

[@OurBlackUtopia]

Yah! Sami, Thank you so much for watching and for the sub,🥳 WELCOME to the OBU family. You are so right. The sky is the limit on earnings once you can control your own time! 😉 Let us know how we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@scarletdvore1459]

Growth is always a good thing… no matter how scary.

[@OurBlackUtopia]

Exactly! Hey scarlet - great to see you in the comments.

[@rashadlartey8706]

Just joined the family and looking forward to learning and echoing the call!!!

[@OurBlackUtopia]

Welcome aboard! Thank you for watching and please forgive the delay in responding. Life has been lifin'. 😳 Let us know how we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50 🙄

[@Thegripspot]

I didn’t “retire” per se. I left working for others and went full time private therapy practice. I had a “good govt” job too. But what I wasn’t gonna do is work against my ethical and moral value. So I left. I didn’t know I was going full time private practice until I did. It’s been a challenge but idk why I hadn’t done this sooner.

[@OurBlackUtopia]

Yes that is something we all ask ourselves, So glad to hear you took the path for the better good luck with all your future endeavours 😉

[@Jacquelyndorindachic]

PRAISE THE MOST HIGH

[@OurBlackUtopia]

CONGRATS on working through your fear and going for it - you could've taken another route. We're going to be talking about that this Sunday. 😉

[@smbeefjerky]

Got out 2 years ago and my health did a 180 and I just enjoy my hobbies!

[@OurBlackUtopia]

It makes a huge difference right😀

[@gwenscott5722]

I remember starting a job and heard about a black woman that died after being screamed at by her boss. 20b plus years later, the Ancient of Days got me thru that minefield so I could retire. It was sheer grace. Im leaving US for a island on the Pacific. The US is Mystery Babylon and Isaiah 24:15 says praise God in Isles of the East. We're not supposed to feel comfortable in Babylon.

[@OurBlackUtopia]

And they probably stepped over that black woman and kept working. 🤨. We're not supposed to feel comfortable in Babylon. - now that's a word! We could preach a whole sermon on that. 😉 Thank you so much for watching, Gwen and let us know how we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@Jacquelyndorindachic]

Shalom Zion

[@thaflygirl1]

Plan on retiring this year also 🎉! Thanks for this conversation!!

[@OurBlackUtopia]

I know that’s right congratulations

[@Jacquelyndorindachic]

WHEN I WAS A CHILD I FIXED MY LIFE SO THAT I COULD LAY BACK AND ENJOY LIFE AT AN EARLY AGE AND THAT IS WHAT I AM DOING ❤

[@OurBlackUtopia]

I wish Jacquelyn, that I had been as smart when I was a child. 🤷🏽‍♀️ Thank you so much for watching and let us know how we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@angelacoker3251]

OMG I LOVE YOU GUYS……your channel has added so much value to my plan !!!!!❤️

[@OurBlackUtopia]

Awwww thank you. 😊

[@vahustle804]

I love seeing people break free from jobs that they know don’t give a damn about them or their well being giving your all to some of these jobs that will replace you in a heartbeat and not even care about how long you have dedicated your time to the pandemic has opened many eyes to people of this and now people would rather work a part time and have a side hustle the downside to this is the quality of service in a vast majority of jobs across the board has been pure trash nobody cares about customer service these days you get below average service because nobody wants to work for these jobs that just suck the life out of you and the pay sucks

[@OurBlackUtopia]

Hey VAHustle - I've noticed the customer service has gone down drastically. Toiletries are locked up - I guess we've been living in Lisbon too long - I'm not used to this. 😳 Thank you so much for watching 💕 and let us know how else we can help your journey. In the meantime, here are some resources that might help: bit.ly/OBUresources. You might also be interested in our private Facebook group - FIRE over 50, you don’t have to be over 50 but definitely from the diaspora: bit.ly/FIREover50

[@lkofie6670]

I am so glad I came across this channel especially with all the various experiences and comments I'm reading

[@CoachDonnaMarie]

Yes my grands would not go out without dressing up. Also, they would not allow me to speak (or my brother or cousins) with any dialect or vernacular. I had to always talk with standard English.

[@OurBlackUtopia]

Oh, I forgot about that stuff. My grammar was continually being corrected but I could pronounce things the way we do without being corrected. 🙅🏾‍♀️🤣