Saving for Financial Independence - Even on a Low Income | Here’s How!

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Our Rich Journey: Saving for Financial Independence - Even on a Low Income / Here’s How! - We reached financial independence and retired before the age of 40. We would love to see more people reach financial independence and we think financial independence is for everyone! We talk a lot on our channel about ways to make, save, and invest money for financial independence. In this video we focus on the "Saving Money" piece! Specifically, this video focuses on how you can save money when you're on a tight budget. So, if you're looking for ways to save money, but you feel like you're budget is already stretched pretty thin - this video is a must-see for you!
▸▸▸Check out some of our other videos!
Check out our Saving Money Playlist: • Saving Money | Money H...
Portugal Monthly Expenses - Healthcare, Rent, Food . . . | EARLY RETIREMENT (Ep 2. October Recap):
• Portugal Monthly Expen...
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DISCLAIMER:
We are not financial advisors. Our videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!
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#FinancialFreedom #HowToRetireEarly #FinancialIndependenceRetireEarly

[@OurRichJourney]

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[@tbird6519]

It is also important to select a life partner that shares your values. Your family is truly appreciated and an inspiration. Thank you for sharing your journey. 😊

[@OurRichJourney]

Thank you so much for your kind words! And we totally agree - having a life partner that shares your values is key!

[@opnspa55]

That is the most important thing that we mostly overlook

[@CoolnesXcore]

100%. A life partner that doesn't share the same values can be a disaster

[@vtheb1299]

We grow together... looking for the perfect partner out of the box is I think unrealistic... even A+C weren't fire-wannabes from the very beginning, they had a fancy car etc... so I think the most important thing is to grow together. Peace and love everyone.

[@MalluStyleMultiMedia]

BINGO

[@whatzupLizzy]

Can we just give a shout out to this couple who do research and give away free information to the people who need it most!

[@OurRichJourney]

You are so incredibly sweet! Thank you so much!!!❤️

[@MsRight-sb5ds]

People always give me the side eye when I tell them I mow my own lawn. I had to purchase a lawn mower and weed trimmer, but I am not spending $40 a week (March-October) to maintain my lawn.

[@OurRichJourney]

Totally agree!!! Saves so much money in the long run (and probably even short run!). Love the DIY approach!!!

[@sherman3465]

That’s what up I as well mow my own lawn and would get weird looks but I live in Florida and summer months it rain almost daily $40 bucks add up when your lawn looks like it need to be mowed weekly

[@jackietaylor5165]

Way2go

[@Divalady62308]

I did the same thing, invested in a lawnmower and weed Wacker and I do it myself 💪🏾 just to save some money 💰

[@anna-lenameijer9942]

Any knowledge that can save $$ is GOOD. I mow the lawn, trim my climbing roses every spring, paint my fence, polish my windows, clean the house... Cero $$ and I am debt free since Dec '18 and saving 4.5 salaries every year, saving for pension and renovate my own apartment step by step. Think about how many hours you need to work and tax away before you have $40 in your hand. I did, because a handyman charges $45/hour and I need to work 4.5 hours (!!!), pay tax, pay the handyman his $$, then he has got $13 left for each hour after tax (!!!). It is throwing my work pay out the window. So I figured it was better to do the job myself, as I am meticulous. It has turned out very well, as I don't renovate or paint all the time. Also, it's a very good feeling to manage your things yourself.

[@PhoenixRain01010]

I invest about $300-$400 a month towards my investments, I make around $2200 a month, plus paying off my credit cards that are less than 2k and student loans which is only $8k, plus bills and rent *whew, so it definitely can be done if you put your mind to it! 👍🏼

[@OurRichJourney]

Wow - I love that you can break it down like that! Being detailed oriented and putting your mind to it - YOU GOT THIS!!!

[@PhoenixRain01010]

@@OurRichJourney Thanks so much ❤ I do the best I can!! 😎👍🏼😊

[@smann7236]

What's your job? Don't mind my asking

[@LalzJeNeSuis]

Not bad for $2K2, but what if you earned the minimum wage (it's 1.200€ here in France, and 60-70% of people have no much more :p)

[@rogerdoger9939]

@@LalzJeNeSuis What might you be able to do to increase your earnings?

[@theluxuryvagabond]

I would honestly say KZbin university has saved me thousands. I use it for everything. I have diy changing headlights and a battery in my car. I have used it to refinish my front doors, repaint cabinets and furniture. I have used it to travel way cheaper, learn new skills that I used to start a business. Really...KZbin is it! And now it is helping me (through your channel) get my finances truly in order. :) I love it!

[@OurRichJourney]

I love that Jay! "KZbin University" - that is exactly what it is! LOL!

[@wordsofcheer]

Yeeees! I go to KZbin University too!😀 painted cabinets, installed ceiling fan, light fixtures, fixed lawn mower, renovated yard, made window screens and more as a single parent l. Now, learning more about Fire and Travel hacking😍

[@jeanp.5929]

#youtubeuniversity I don't want to graduate

[@calmman32]

With a KZbin video I was able to fix my oven. It was awesome. $14 for a part

[@RMalai]

For people that come from a culture where divorce is uncommon, it is even more important. to choose the right life partner to be financially independent and successful. In other cultures, if something does not work, divorce the partner, choose a better one and live life successfully and happily. Several very successful people are living examples of this.

[@OurRichJourney]

That’s great perspective! Thanks for sharing that!!!

[@lisi714]

You’re such a sweet, loving and purpose driven couple. Many blessings for you and your family.

[@OurRichJourney]

That is so sweet of you to say! Thank you so much!!!❤️

[@julianluke7280]

Your channel will always be my best on KZbin , you are such a blessing dear . your advices and lessons are inspirational and has been helpful since I came across your channel ,much love ❤️ upon this. Saving and investing as been my best way of lifestyle and as been helpful to me and my family...thanks by the way our rich journey..

[@octyy5]

One thing I would add is if you use credit cards, track every expense and don't track using an automated system as that puts it out of your mind. Use a manual system that you type in every purchase you make. It helps put your finances at the forefront of your mind and it makes you look really hard and question yourself on spending especially when going over budget!

[@DavyYap]

Yall are GOATS. Thank you for thinking of those with lower income

[@OurRichJourney]

Aww, you are too sweet! Thank you so much!!!

[@3EBstudio]

It took a pandemic to understand and realize the true value of investing. I know now what to do with my tax refund could've been investing in the stock market gain the familiarity to be well in the way of abundance ...ugh. time to make more sacrifices...again. Going forward this time with a strategy.

[@OurRichJourney]

Lesson learned! Now moving forward with a strategy - I LOVE it!!!

[@thereisonlyone6357]

I have been watching and listening to you for the last few months and I have made some changes to my 401K and Roth IRA. I have already seen very good results in a very short amount of time with my low income. I think I might be a millionare within maybe 10 years. Thank you! Thank you! Thank you!

[@RetirementTravelers]

Great tips. We got started a little later than you guys and didn’t retire until 55, but wish we would have started at your age. I hope your viewers implement your wonderful advice. John and Bev

[@OurRichJourney]

CONGRATULATIONS on your retirement John and Bev!!! Even if you started later, you were still able to retire early! That is fantastic!!!

[@holymolly2232]

Like the positivity as always

[@OurRichJourney]

Aww, thank you so much Holy!!!!

[@283nickle]

I like this way of calculating savings rate. I was not taking into account the money that I voluntarily contribute to my retirement pretax and I was only calculating what was going to my post-tax investment accounts. This new shift in perspective has me at a 57% savings rate! Up from 42% when calculated the old way.

[@Constellasian]

Some of my friends tend to grief me about investing and finding ways to cut costs. They have the YOLO attitude, but can't seem to figure out why they're broke and have little in savings.

[@Snacc741]

im 20 with only 6k invested in S&P500, not 2 much for now but i promised myself that ill be stubborn on my way to financial independence, and im gonna reach it before 30. If i wouldn't have find your channel i would propably still work without any passion, will and perspective but you guys opened my eyes, gave me joy from even little money. Too early to say thanks for changing my life, cuz you know, i might fail on it but for now your channel has the biggest impact on me. Love from Poland

[@OurRichJourney]

You got this Gabrielo!!! Keep that stubbornness on your way to financial independence! You can thank us later!!! ;)

[@staciamj1]

Yup. I used a community program to purchase my home. Got 100% financing, no money down, and received a check at closing also. Now Im researching how to do a HSA at my job.

[@morrishooks7536]

I am 68 and am debt free and retired now. I am able to save over half of my monthly pensions. Invest and savings account. never will i be in debt again

[@emilyquinlan7126]

I’ve never heard of individual development accounts! 😱 I’m definitely going to look into this because I have a feeling I qualify... It’d be awesome to see a video about these accounts more in depth!

[@OurRichJourney]

That's awesome Emily!!! So glad we introduced something new for you that could help!!!

[@LashusJourney]

Thank you guys for all you do in educating us on FI. I’ve been following you guys for years and I have implemented a lot of your principles in my life now I’m at the stage where I can retire from my day job. Just want to say a big thank you for sharing your story with the world 🌎.

[@OurRichJourney]

CONGRATULATIONS for being at the stage where you can retire from your day job! That is FANTASTIC!!! So very, very, VERY exciting!!!

[@danelledautrievesanford]

I suggested your channel to one of my former coworkers who needed information about IRA direct rollover. She is trying to decide between Vanguard or Fidelity.

[@OurRichJourney]

Aww, thank you so much Danelle! That is how our channel grows - from sharing our channel/word of mouth from our awesome followers! Thank you, thank you, thank you!!!!!❤️❤️❤️

[@joaquimferreira5326]

I am from Portugal, now living in Lisbon for 10 years. I just wish I had found your channel sooner! Thank you for all the content that will be useful for sure. I am thinking in getting a job in europe where the income is higher.

[@OurRichJourney]

Hi there Joaquim! Welcome to our channel! So glad you found us!!! :)

[@lafandenuel5605]

on a low income, in order to achieve FI, you absolutely need to raise your income. Extra shifts, second job, side hustles. Higher income, lower expenses. It's the only way

[@kareent2235]

Thank you, this is perfect timing

[@OurRichJourney]

So glad to hear that! Thanks for watching Kareen!

[@ShondaD_]

Thanks for speaking on the tax returns, I’m just learning that getting a big tax return means something is wrong.

[@VaneezyTV]

I'm always impressed by the knowledge that y'all bring. I've been subscribed to y'all & following y'all since 2019 & every video that y'all crate has new information. Thank you!

[@OurRichJourney]

Awesome! Thank you! We really appreciate it!!!

[@kashfortheking]

This is going to be difficult for a person making minimum wage. In that case, a person would have to get a better paying job to improve their likelihood of success. Great video to get people thinking.

[@OurRichJourney]

Saving more and making more (like by side hustles) is a great combination! Check out our side hustles playlist. Lots of side hustle ideas!!!

[@denorrisd]

Great video as usual. I think the convenience aspect really is a big point, so many people don't realize the cost of fast Amazon delivery, a few dollars for Door Dash delivery or even having the grocery store pick out their food, a couple of dollars here and there every week for a month make a huge difference.

[@musingsofahoneybee9956]

This is the best video y’all have produced. I actually felt discouraged from seeing y’all videos because it made me feel like I could never improve. This is excellent! It made me feel like it’s possible for an everyday person to reach FIRE.

[@OurRichJourney]

Wow! Thank you so much! We're so happy to hear you know it's possible!!!

[@jenellgordy1071]

I agree. I'd think, woe they are Big time, I need some beginner friendly help and tips. So this speed was perfect. Thank you.

[@mastajabuname]

Thanks for talking or teaching about low-income earners .

[@OurRichJourney]

Yes! Thank you for watching Jabu!!!

[@mastajabuname]

@@OurRichJourney You're welcome.

[@OurRichJourney]

Thanks YOU for watching!!!!

[@acela30th]

You are making a greater impact than anyone else because you have a lived experience and you offer practical advice…and you are just plain an amazing family!

[@afasdjfsdjf]

Love your content and especially your positivity! You are living the dream, so well deserved. Best wishes from Germany

[@OurRichJourney]

Aww, thank you so much Tom (in Germany!!!). :) We really appreciate it!!!

[@vtheb1299]

Hey A+C great vid as always!!! I can't believe you didn't mention secondhand shops and libraries. Since I discovered them (a bit late in life I admit!) I never see buying books and clothes the same way!!! I used to think that a piece for $20 at Winners is a deal, now I think twice if it's over 5! (Bought epic brand new Patagonia rain jacket for $5, original tag was $200). I used to spend tons of $$$ on books and taking pride in it, as many do. Now I think buying books is to be viewed as a charity giving, which is why buying books by dead authors is out... I hope this helps others too.

[@Lucyaisha]

Aweeesome! It's possible. You guys have inspired a whole generation!

[@OurRichJourney]

That is so sweet of you to say! Thank you so much!!!❤️🙏🏾

[@caprinathomas2106]

This is definitely what I need thank you guys enjoy watching n taking Notes.👏💯

[@OurRichJourney]

That’s awesome Caprina! So glad you’re enjoying the videos!!!

[@mrplatink]

I mean, that question, and...how AMAZING are you guys!!!! (not really a question, but MAN! Your family is such an INSPIRATION!)

[@OurRichJourney]

Well, we can tell you, we definitely LOVE your type of "questions"! LOL! But, seriously, you're comment is so kind! Thank you so much for your positivity and kindness!

[@MBallz]

Great advice! I look to financial freedom sometime in my near future. I can do this! Please continue to make more videos, love the channel!

[@OurRichJourney]

Thank you so much Manny!!! We love that you’re on the financial freedom journey with us!!!

[@Sun_shyne]

As always you guys are an inspiration for sure. Love your family values and what you represent. Sending you all blessings and good vibes!

[@OurRichJourney]

Hi there Sunshine! So good to see you!!! Sending good blessings and vibes to you, too!!!

[@QeZZarB99]

Saving 34% of my current income as a student living in Denmark. Living in a shared appartment with a friend, Using 140USD on food á month and in generel just trying to spend as little as possible! My biggest spending habit is buying books, which I dont find to be a problem :D

[@jellybellyfun3288]

Hi 🌈😀Amon and Christina!😀Thank you for this video!! We watched a video you did previously about how Christina finished law school. How did you pay for law school WHILE raising 2 children and being married? How did you become debt free so soon AND accumulate enough money to even buy real estate after law school? Can you please do a video on that? Thank you so much in advance!😀🌈

[@ChristysDiscountLife]

I also love to make homemade gifts for holidays and birthdays. It's cheap and unique to give a handmade gift---my brother still has the potholders I made for him 20 years ago. Can't beat that handmade quality!

[@OurRichJourney]

I LOVE that! I love handmade gifts, too (to give AND to receive)!!! :)

[@johnl6838]

Basically I am new to your video. I had previously seen you guys pop up on my KZbin watch list about living in Portugal, but I didn’t watch because I not interested in Portugal. I wasn’t aware you guys are in finances. Now I am paying attention, I am into becoming financially independent and getting out of the rat race. I love it, I am joining the journey One love from NYC.

[@OurRichJourney]

Very cool John! So glad KZbin was persistent and you clicked! :) Thanks for joining the journey!!!

[@johnl6838]

@@OurRichJourney you’re welcome, i will subscribe. One love from NYC.

[@johnl6838]

@@johanlorenzo thanks Johan for your feedback. Yes NYC is super expensive, and yes I am leaving this wonderful city with its high expenses.

[@user-ex4eo7ok9z]

Honestly, an excellent professionalism with great humor on the video..

[@charity0009]

Ive never heard of an IDA before. I appreciate learning this. Thanks!

[@charity0009]

To follow up to this: I have since researched and gone down the rabbit hole here in FL. looking into IDA and have learned much more. Funding is not there for home savings...but it is if yr trying to buy a car. LOVE LEARNING! thanks again! You've sparked me. 🙌💞

[@Rivetingtools]

Thank you for your videos … they’re very helpful! I work for the FedGov and I’m ready to walk away but I may not be financially ready!

[@venuskirby8243]

Thank you for the boost of confidence!

[@OurRichJourney]

Any time!!!❤️ We're here for that boost whenever you need it Venus!!!

[@razzertazzer]

Never heard of IDA, I will pass that info on!

[@OurRichJourney]

Awesome! Please share! :)

[@freeatlast3752]

Me and my husband keep the money together and made it simple to him : We will spend his highest salary for everything we need and will save my salary .In 7 years in US we had three kids and bought our first home for cash .I worked hard as seamstress from home and took care of the kids myself , never had an babysitter . If everyone spends less than they earn everyone will be fine . You know why you can't buy happiness because is free !

[@curtisdavis8594]

Yes!! Excellent Topic!! Many people avoid the savings rate talk in F.I.R.E journey... The long people play Consumer game vs Investor game harder to over come "Inflation" and cost of living norms... Thanks!😊

[@OurRichJourney]

Yes Curtis! Let's talk savings rates!!! :) Thanks for watching!!!

[@lostjunglist8704]

I would LOVE to spend the rest of my life with someone who is genuinely invested in living life with me.... As Long As We Are Making Life Better For Others & Ourselves, What else could you ask for??? I love your partnership!

[@taylorwilson27]

I really love your contents and the way the two couples put up heads together to deliberate and give useful information to the society.Much love😍 to you guys.

[@larrykenneth1361]

Saving despite the low income has been my priority as it has save me and my family from being b r o k e.

[@popovlerusse1443]

Cool post guys as always. I will go a little bit further with the credit card. i will have the cash, use the credit card and pay it straight away. Building up my credit score. If i don't havee the cash, I will not use my credit card.

[@AaA-fb9th]

It is so great to see your family in the states, and to hear such a fair comparison. Thank you for sharing your lovely family with us. AA

[@ericaleverson9430]

Never heard of the (IDA) program until now, thanks for sharing!

[@mayacote4368]

Warren Buffett once said *if you don't find a way to make money while you sleep, you will work until you die*

[@minvjat7018]

You two are so inspirational! can you do a video on how to stay motivated! examples of how you stayed focused, things you did to stay inspired

[@nisaabdullah2050]

Very helpful thank you for sharing.

[@pearlenecooper6013]

Thank you.

[@KENTUCKY-MAMA]

Gr8 information. Thanks for that tax info bcuz some ppl R not aware.

[@Pluminha]

Christina you have the cutest smile ever! I love seeing you smile on each of your videos!

[@OurRichJourney]

You are so sweet Sara! Thank you so much!!! ❤️

[@adreamgirl08]

Thank you guys for this video. I found your channel summer of last year. You guys are changing lives. 🙌

[@OurRichJourney]

Wow! Thank you so much! We're so happy you found our channel!!!

[@onthelocjourney09]

The is the first time I’ve heard someone talk about paying down on your primary residence as adding to the savings rate. That’s exciting as it IS adding to overall net worth real estate assets gain equity. Thanks for adding to my knowledge

[@amyflip]

Not gonna lie, was a bit disappointed this was only 14mins long lol i need more haha

[@OurRichJourney]

Haha! You are too sweet! :) Not gonna lie, the video we're posting this Sunday is even shorter . . . BUT, it's a video unlike we've ever done. We're SUPER excited to share it!!!! Make sure to check back in with us again this Sunday Amy!!!❤️

[@annettewess1572]

This is such a fantastic video. Just my opinion but this is for everyone no matter the income. I save in so many ways. Like you suggested diy even laundry detergent. Use cash and save the change in a jar. Just a couple of examples

[@tyrecarmon20]

Came just in time for me, thank you👏🏽👏🏽👏🏽

[@OurRichJourney]

So happy to hear that Tyre!!! Thank you for watching!

[@timothybrady1174]

The 1% goal is great advice.

[@OurRichJourney]

Thanks Timothy!!!

[@myrahj1482]

You too are amazing and how I wish I had this type of information, ideas and encouragement 20 years ago. My life would surely be different. Thanks for all you share 💕

[@OurRichJourney]

Thanks so much Myrah! And even though you didn't have this information 20 years ago, we're glad you're on the journey with us today!!! 💕

[@myrahj1482]

@@OurRichJourney Yes I am. Late start and starting over but I'm still here🙏🏼Thank you! *Two 😊

[@justmyopinion9883]

Thank you, Amon and Christina. This video contained wonderful advice. I need to save on food and transportation.

[@dawnateervlogs1112]

I've only just realised from this video i'm only saving 6% of my income 🥲 Going to try and save 8% with my next pay! Baby steps haha 🙌

[@haekang4545]

Best.!! Miss your family advise^^

[@VijayKumar-vi5qs]

How to invest when market is at all time high..?

[@nargesalove228]

I plan to work until the day I die, I don’t need to but I believe It’s my passion

[@YadaNcam]

Thank you sooooo much for ALL your videos please keep inspiring us…. It gives us a chance for change ❤️❤️❤️

[@DrJessicaLouie]

Great tips Christina and Amon! I had no idea this program existed! I also love calculating Savings Rate and a little step forward each month adds up quickly over time!

[@OurRichJourney]

Thank you Dr. Louie!!! And, YES - those little steps add up to BIG steps over time!!! :)

[@studentberry3131]

Thank you two so much.💚

[@claudiamccoy8942]

I love you guys, Thank You so much! Subscribed

[@OurRichJourney]

Thank you so much Claudia!!!

[@nathalienurse3336]

You guys are so smart and right. Obrigata for your helpful tips! Your girls are lucky to have parents like you………🇨🇦

[@ignaciocorona7567]

Great video perfect timing thanks Stay safe

[@OurRichJourney]

That's fantastic! Thanks Ignacio 👍

[@jamesspitzercashout]

Good Morning, or evening for some. Always enjoy watching you both, as you share the path to succeed. Enjoy your Lattè, share your awesome smiles, be safe, be happy and be healthy ! Love ya! James

[@OurRichJourney]

Good evening James (I think I say "Good evening" since it's 6pm here now)! :) We so enjoy hearing from you each week! :) Stay safe, happy, and healthy as well! ❤️

[@jamesspitzercashout]

@@OurRichJourney 😀👍

[@lashawn369]

Checking in from the DMV

[@OurRichJourney]

Hi there LaShawn! We love when you check in! Thanks for watching!!!

[@domie3901]

Woow,am new and I just like this information

[@dizhang3978]

You guys are amazing.

[@malice41414]

Thanks for sharing! I teach online and when someone asks about investing, I recommend your channel. :D

[@kumarisakshi8421]

Thank you guys for sharing this wonderful tips and planning with us

[@stormb28]

Not sure if this was mentioned, credit card rewards in the form of cash back. Take that and invest it.

[@OurRichJourney]

Thanks for sharing another hack! :)

[@chrisfox9779]

KZbin is my best friend too.

[@OurRichJourney]

A best friend with all sorts of advice! :)

[@stargazer5073]

Smart advice 👌

[@seshta]

I will use these techniques more & more

[@OurRichJourney]

Awesome! Thanks for watching!!!

[@dwalker6868]

Thank you have a wonderful day

[@patriciafilipeguerreiro6099]

Thank you for all you teach us!

[@OurRichJourney]

Aww, thank YOU Patricia for you kind words!!!

[@kalyanparhi3]

How do you calculate the 70% savings rate? Is it pre-tax or post-tax or a combination of both?

[@OurRichJourney]

It depends on your situation. If you're contributing pre and post dollars, you can do a combination. You just have to be consistent each time with how you do your calculation so rate isn't skewed inaccurately.

[@anadossantos1429]

U guys are the sweetest couple ever 💚 always learn something new 🙂 Thanks ☺️

[@MalluStyleMultiMedia]

Excellent video.. as always

[@frapi5018]

And, once again, I learned something new from you, guys. Thank you.

[@llouvakates]

this is the most important video out there!

[@backdayz]

Thank you for this particular video. This is applicable and helpful to many of us.

[@bacacombdebida]

I've never thought to calculate my savings rate... If I add the money I am putting aside each month plus the cash flow from my real estate portfolio plus the pricipla paydown from all by mortgages, I'm saving about 50% 😯

[@paulmichaelalpha9916]

Fantastic, im so happy to learn more on this channel