Retire Early ~ Don't waste your time

[@aurielsmith8753]

Like what you mention about 'working for free'...never thought of it that way....thank you

[@TheRetirementality]

Yea, I like that idea too. I try to get people to think of things in a different way. So I'm glad to hear tat it go you thinking. Thanks for the comment.

[@galenperry4606]

Good video and I agree. We all have too much crap and just keep buying what we don’t need.

[@TheRetirementality]

Thank you. I was always a stuff person when I was younger (I got it from my Mom) but my wife is an experience person... and she has shown me the light. 😆

[@tonylevine2716]

New subscriber. Great video and info! I retired this past Oct at 55. Blessed to have a military pension and VA disability. I also have two retirement accounts. The Rule of 55 applies to me but no plans to use it as I have Bridge accounts. Plan to take SS at 62. It’s all about cutting debt and spending before you retire and during retirement. The more $$ you make the more you will spend. Time is the greatest asset in retirement. Time to do whatever you want and when you want. I lost my father on Mother’s Day and I spent a lot of time with him and my mother before he died and after he died to help my mother take care of his affairs. I would have not been able to do this if I was still working. Retiring early is the greatest feeling in the world and pray that more people will retire early because life is short! At some point, you have to stop chasing the money and enjoy life! 🙏🏾❤️

[@TheRetirementality]

Well said. I really love comments like this. So thanks for taking the time. Sorry about your Dad, but that's great you got spend extra time with him. It sounds like you've got your finance side of the retirement thing set up really well. Congratulations on retiring early. I wish KZbin was around when I was younger and I had resources like this. I thought I was the only one on this path when I was in my thirty's. Turns out there are a lot of us.

[@FinancialFreedomLifestyle]

Great advice man!

[@TheRetirementality]

Thank you !!!!

[@DionTalkFinancialFreedom]

Great stuff.

[@TheRetirementality]

Thanks Dion! I appreciate that.

[@Mr.freedom_]

Great great video keep them coming 👏🏿

[@TheRetirementality]

Thanks Mr. Freedom! I will keep them coming if y'all keep watching. 😎🇺🇲

[@dcallahan2074]

"Work the right amount & get out of the game."

[@mohamedhasan6264]

If it comes to me, I don't like stuff, I would be retired very early. However, I have to plan for my family, they like stuff.

[@TheRetirementality]

Ha, well teach them work for their own stuff. Then they may not want as much. 😀

[@TheRetirementality]

That is how you know when you won the game. 😎

[@martywilliard]

@@mohamedhasan6264. You are a good man. You focus on your family and your future generations. You see the long game. Peace

[@maritsa6575]

Thank you for your video. These are great insight! My husband and I have that mentality since soon we will be empty nester. I totally agree.. consume less..

[@TheRetirementality]

That will be a big change. I bet your looking forward to a little no found freedom.

[@Semiretirementanddowhatyoulove]

Great daily reminder 👍🏻 Thx, great content

[@TheRetirementality]

Thank you!

[@domingolopez6394]

Great stuff. Thank for sharing

[@TheRetirementality]

Thank you for watching. I appreciate the support.

[@wildfoodietours]

Such a great idea to consume less. Just compare anyone living today to someone living just 50 years ago. We have enough.

[@TheRetirementality]

I know. I've been meaning to make a video about this comparison. When the youngsters today say they can't afford to buy a house, but they aren't looking at the little 850 sq. foot house like our parents first house.

[@iczemi]

I'm 62, living frugally me and wife. 0 debt. I have all the sht I need. Bye bye work. ❤

[@TheRetirementality]

That is how you do it! Awesome.

[@OurRetireEarlyJourney]

We are semi guilty of what you said. We have numbers but those numbers are modeled after what we want our retirement to look like. An example is we have 800$ month build in for travel in retirement. We plan on saving enough to stop working and spend time on passions and volunteering.

[@TheRetirementality]

That seems like a pretty healthy travel budget. Mine is about the same. As soon these YT channels hit we won't have to worry about it. 🤣😁

[@OurRetireEarlyJourney]

@@TheRetirementality 😅 We aren’t counting on it. We are on here to hopefully help people younger than us get on track. Your messages are fantastic and you are on here doing the same thing. Trying to course correct things were aren’t taught. 🙌🏼

[@TheRetirementality]

@@OurRetireEarlyJourney Yea, when I started out I was doing videos about how to buy one house every year like I did. But then I felt like I said it all, so my content keeps changing. I feel like some of the people who just make the same video everyday are the ones who actually get big. But, that's not what I'm trying to do.

[@salsaez3330]

I feel exactly what your saying my way of living is exactly how you just described it living on less but not sacrificing the things you really want. My wife are trying to get our first house out there so we can do the abnb and let that pay off the house till we are finally ready to leave and live permanently out in PR. Our plan is to have 2 houses one for airbnb and the other to live in so we can generate income and still have our saving for regular daily living

[@TheRetirementality]

I just filmed my next video. It will be called "How much it costs to run a vacation rental in PR". I probably won't post it for about a week. But stay tuned for that.

[@lilibethvilella]

PR is my home. I’m 52 divorced starting over. Published a book on healing from divorce called THE SUN ALWAYS PIERCES THROUGH as part of my retirement pivot

[@TheRetirementality]

Ugg. Sorry... and congrats... I'm working on a book too. It seems very daunting. I just want to get it written and then figure out what to do with it.

[@javierlugo259]

This video is right on with today's real world scenario......You have set goals and do not let the system keep you in debt......My wife and I live and work in Houston, TX but will retire in June of 2025 in Quebradillas and live a free and happy life, not serving the wrong master "Corporate America".....I think we all need to be more humble and gratetful, remember you can't buy freedom and this this world wants to sell you everything else, so make your freedom.

[@TheRetirementality]

That's awesome. Congrats on getting to the last leg before you retire. And having a plan. When you know what you want you realize what you don't need.

[@rogeliofernandez6266]

Living the dream! Enjoy PR

[@TheRetirementality]

Ha, whenever my friends say "what's going on?" My standard answer is "living the dream". Thanks Amigo!

[@rriqueno]

Im Puerto Rican and i plan to retire next year at 51 yrs but i have a number 1.2 mil because i want to live comfortably travel etc. if nothing catastrophic happens early next year im out! 😂

[@TheRetirementality]

That is awesome. Congrats on being able to retire early. I'm hopefully going to be doing more travel soon too. So I will hopefully have more traveling content coming up.

[@itchyasian4592]

It seems like we all just work a 9-5 job for a paycheck and retirement savings. Live alittle here and there. I wish I can retire early.😊

[@TheRetirementality]

Yep, like I said... you have to have fun along the way too. I think that is one thing the people in the FIRE movement forget about.

[@OurRetireEarlyJourney]

@@TheRetirementality this is why we don’t consider us in FIRE. We budget FUN as our intentional spending but not much else. We still have a save first mentality.

[@FIRE_DrNinjaTurtle]

Love it. I have to quote you on Facebook. Buy less stuff

[@TheRetirementality]

Please do... you heard it here first. Thanks Darrell.

[@Adnanhasb1]

Is it to possible to retire with the inflation ? How do we account for that ?

[@TheRetirementality]

That is one thing I like about rental properties. The income goes up with inflation. You can can't just raise rents when ever you want... but you can every year or so. So you don't get too far off kilter when inflation goes crazy.

[@debrahuynh261]

What city do you recommend buying a rental in Puerto Rico?

[@TheRetirementality]

It really depends on what you're looking for. Do you want to use the property? If so, you need to be in a place you like to hang out. If you just want to make money you can be in any of the tourist areas. You just need to spend some time checking out the island and seeing what you like.

[@robertchandler3914]

Too much stuff - have a garage sell.

[@TheRetirementality]

I used to love going garage saleing. My car still wants to stop at all of them but I force it to drive on by. My wife will make throw something away every time I come home with something new. 😎

[@davidhuffman625]

I’m sorry but you sound like every other (including me) privileged person who was lucky enough to obtain everything they hoped for. It’s so easy to talk about how “things” don’t matter when you’re sitting in your poolside backyard in Puerto Rico, almost being able to see Saint Thomas were you used to live. Get serious for a moment, what percentage of the population do you really think you’re talking to? I think retirement sucks, it’s almost impossible to replace the sense of purpose and your coworkers that made up a large part of your social life on a daily basis, and it is impossible to replace the income. Sorry to go off on a rant here, but I couldn’t disagree more with everything you just said. Unless you think you’re only talking to little kids.

[@TheRetirementality]

That's your opinion and you're entitled to it. You should go and watch the video I made about going broke and how the sheriff came and knocked on my door and told me to leave when they were foreclosing on my house back in 2008. I'm very proud of what I've accomplished in my life. If you want to call me privileged, that's fine. You want to tell me I'm lucky. You have no idea. Truth is I worked my ass to get this house in Puerto Rico and everything else I have. I do this KZbin channel to try to help other people do what I've done and offer advice. Maybe you should find a way to help people in your retirement and then you can find some fulfillment you in you own life, instead trying to say negative things online to people you know nothing about.

[@rriqueno]

@@TheRetirementality Well Said. Granted there are some percent of people who are really unlucky but the vast majority make bad decisions after bad decisions in their life and feel they are underprivileged. Bah! If you spend less in crap and invest your money eventually you can retire early but if you dont. You will be working for ever.

[@TheRetirementality]

@@rriqueno Thanks. That is a great point. I think people don't want to take responsibility for their bad decisions either. They come up with excuses of why they can't do it and limit their potential because they don't think they can do it.

[@josephwalsh6722]

I love the quote “The harder I work the luckier I seem to get!” Love the channel!