There seems to be a balance of naysayers and “agree-ers” (if that’s even a word) here. To ones that agree with this guy or at least agree with most of what he’s saying, you will be very successful at one point or another in your lives. You take what you hear and try to see how to make it work for your situation. To the naysayers, my advice - stop assuming anything, accept your don’t know anything, take what you hear and do your research. There is no more excuse for not reaching your dreams. Take responsibility for your own future. Stop blaming others, society, the government, your bad job, etc. I’ve heard all those excuses. Nothing irks me more than hearing people blame everything and everyone around them but fail to take responsibility for themselves. Educate yourself. Almost everyone on this planet have internet access. Use it wisely. LEARN, LEARN and LEARN some more. I don’t mean “degree” type learning. Learn practical things. Learn about money. There are millions of blogs, podcasts, KZread videos, websites, books, audiobooks talking about money. Just LEARN. What this guy is saying is so simple but you have to find your own way. Get help if you need it. Ask people. Comment on here. Just do something. This can be done in just a few years, no matter your income level. We all have choices to make. Choose yourself and you will be very successful.

@dickmillet

4 жыл бұрын

You said it all with just two words. Choose yourself. Everything will flow from that.

@kalboff1482

4 жыл бұрын

Choose yourself, how beautiful. I wonder since long time, but never managed to understand money, can you help? Also about, what kind of job to get, or what to study... .

@EmilyAndClark

4 жыл бұрын

Please watch the other videos in this playlist. We go into detail on how to invest. We plan on some more of these soon including a similar one from Emily so I suggest you subscribe and click the bell button.

@thestrangeryouknow

4 жыл бұрын

This is one of the best comments I've read on KZread. Thanks for taking the time to help others.

@Dualhammers

4 жыл бұрын

It's true, by choosing yourself over others you can profit in a capitalist system. Selfishness is rewarded as a virtue.

The problem with most people is, They Work Really Hard to Build Other People Dreams, and They Don't Work to Build Theirs. work-work-work doesn't means success.

@svetlanikolova7673

5 жыл бұрын

I learned that at 38 and ran from it

@awesomeone465

5 жыл бұрын

Exactly, I'm betting this guy didn't have wife or children that hindered him from his dream. Most marriages one understands money& one doesn't sucking the other one dry.

@Frindleeguy

5 жыл бұрын

@@awesomeone465 Sounds like a marriage that should have never happened in the first place, cause that's NOT a partnership you're describing. There are literally thousands of YT channels WITH FAMILIES making it in this exact same way- sailing, rv'ing, tiny housing, downsizing to live their dream lives. A true partnership with shared goals means you can smash those goals better, stronger, faster, harder. Just don't marry someone "because you're supposed to get married"- that's a foolish mistake that people will have to pay for, and not just monetarily.

@jonny0004

5 жыл бұрын

K. Marquez You didn’t do some aspect correctly, period. If you are saving an appropriate amount, then one day boom..... you are there. Save as much as possible. Cook at home. Drink & socialize cheap. Cheap housing young. Old vehicles. (Really old). Get your investment strategies happening early & often. I started investing at age 22. I also did not have kids or a wife. I have always dated. Just not married. Working on that in retirement. I was a hard working man. I retired younger than most. Today I live perpetually on twice my working salary. It will never decline. (I could live on roughly 3x my working salary, but just see no earthly reason to do so.) One day, I will gift some foundation or organization a nice pile of cash. I never had a crystal ball showing me the magic pathway. My parents mantra was save for a rainy day! I guess that I personally took that to heart along the way. As for yourself, one can always improve your lot in life. But the age and manner in which you start is the most key factor IMHO. Time provides the opportunity for geometric growth in the overall investment strategy. I suggest more effective efforts and start by cutting back in the lifestyle department. Best of luck!

@jklfds85

4 жыл бұрын

I'm starting to realize it when I'm already 32. Wish someone had told me that when I was younger.

I'm 59. Have worked like a dog my whole life. I have what I think most people would consider a " nice " amount of money. Great home and lots of "nice stuff". However, I don't have a lot of great experiences to look back on. Just a lifetime of work, and stress. Don't get me wrong I like my money and "stuff". However, if I had to do it over I would choose great experiences and memories and adventures over money and "stuff". At the same time, I would still try to have some sort of financial security. Sounds like you have found a good balance.

@bradenrodriguez5183

5 жыл бұрын

Not too late, mate! I'm 37, almost in the opposite situation. I have a good job, but don't have a nice amount at all, ha ha... but 5 years ago I went in a different direction and went for experiences rather than safety and comfort. I ended up living more in the last 5 years than I have in the last 20. I've done things I never dreamed of, and it has to be said - doing things I never planned - just walking through the open doors in front of me. Crazy, insane adventures all around the world. The best part is the relationships that never would've happened without getting out of my comfort zone, and my little world. Life gives you opportunities, you can either choose to risk, or choose not to. That's really what it comes down. Either way, the one choice we can't make is that life will pass you by regardless of the choice we make. All the best for your future!

@thomasdipaolo2349

5 жыл бұрын

Omaspen - my life sound a lot like yours and we are similar in age. Agree with your assessment. I would also re-live life of experiences vs. Stuff. Now with retirement approaching, plan on doing just that and am preparing for the remaindering life of experiences. Hope we both succeed with the transition.

@Staroy

5 жыл бұрын

Thanks for waking me up in time, sincerely a 26 y/o Swede

@theadvocate1925

5 жыл бұрын

Awesome words of advice especially for young people.

@theadvocate1925

5 жыл бұрын

In my 20-30's, I was into the expensive car thing. in my 40's I started collecting expensive luxury watches. Now in my 50's, I don't think there is one more thing I could buy that I really need or don't already have. I think as you get older, you realize stuff is just..stuff. Can't take it with you. And accumulation doesn't make happiness.

FIRE, i prefer FINE; Financially Independent Not Entangled. So when someone asks, "how are you?" , i get to reply "FINE", with a secret grin !

@Saphireaway

3 жыл бұрын

im gonna use this from now on lol. That's pretty good

@mariadasilva1341

3 жыл бұрын

Perfect SoloSailer.!!! Love it!! I'm FINE as well.👍

@jamilibrahim884

3 жыл бұрын

No kids no prenuptial single bed purrfect

@traveltomoney

2 жыл бұрын

I absolutely love this. Thanks for the smile! :)

Lots of good advice here but dear god, don’t listen to the “choose wisely, you only get to make this choice once; you won’t have time to restart” nonsense. Plenty of people make dramatic changes in their lives, creating entirely new paths, often more than once. What you want at 20 may not be what you want at 50. The notion of “it’s too late” is a lie that will eat your life. There are countless paths on this journey, and you can change course at virtually any time.

@miniphase

4 жыл бұрын

Well said!

@aapduenas123

4 жыл бұрын

100% Agree! Never too late too prepare for your own future

@Mexicobeanpole

4 жыл бұрын

Omg. Yes. I’ve built a fortune twice in my life, but the second time, at 50, I was mature enough to make it stick.

@eugenet7473

3 жыл бұрын

I disagree. We can only try to change the course, until some "pandamic" or "meteorite" hit us hard. The year 2020 proves that well.

@aldralee

3 жыл бұрын

@@eugenet7473 Yet countless people are making a change now because of the pandemic. We can use any excuse to remain stagnant. There will always be seemingly insurmountable obstacles. Change is often very hard, and powerlessness is a helluva drug.

My Dad says "If you think you're successful - you are" (he's 93)

@raulernesto9289

3 жыл бұрын

doing what you like is being successsful

@atamtaki9336

3 жыл бұрын

What a brilliant idea! It’s all about your own mind. Possession is not key at all.

"If you make more than you spend, you're rich. If you spend more than you're make, you're poor." "If you don't have a definition of "enough", you'll be cursed to always chase "more". Man, I've seen a lot of these type of videos, and there are some real great lines in this one. Thank you for this.

@EmilyAndClark

5 жыл бұрын

You're very welcome. Would you please share a link? We would appreciate more views from your friends.

@kennyhoang1181

4 жыл бұрын

I didnt have the definition of enough so I chased more and lost all of my money.

I live on a 28 foot sailboat in in California. My slip rent is only $420 a month all included. I save so much and I'm within minutes from all the beach towns. Life is great.

@zach4216

2 жыл бұрын

Please tell me the town

I retired at 35 and moved my family to Mexico to run my own small business. Life is so much better.

@hypnotechno

3 жыл бұрын

well done

@gordonsimon5784

3 жыл бұрын

@Jason Scott TizzanoWe love in a small town called Ixtlahuaca which is about 50 miles from Mexico City.

@gordonsimon5784

3 жыл бұрын

@@mrxtful What I’ve found in my travels and using crime stats for the countries I’ve lived in the closer you are to the seat of government the less violent crime you have. So we live very close to Mexico City the country capital which is also large international financial district so crime is kept under control.

@gordonsimon5784

3 жыл бұрын

@Jason Scott Tizzano Yes it’s pretty safe. We live in a gated community with security. We spend most of our time at home and don’t go much after dark. It’s a small farming town with very little to do so it’s really quiet or what most people consider boring. The larger cities tend to have more crime but here it’s nothing to worry about.

@Argail8137

3 жыл бұрын

if you are running a business it means you are not retired.....what the fuck

I studied hard, got an engineering degree, worked really hard for a couple of years and paid off my student loan and bought a solid used car which I'll probably be able to use for at least another ten years. With the experience I gained within my first years of working within engineering projects at a stable long-term company I can now save roughly 50% of my monthly income after tax (either in cash, stocks, bullion or other long-term investments) and keep working (albeit at a much more smooth and sustainable pace) with what I love - intellectually stimulating engineering problems. I have no "end game" other than being able to enjoy life and keep feeding my intellectual curiosity - the biggest obstacle and hurdle are other people within society - family members and coworkers who do not fully understand what it really means to be 'rich' and 'free'.

@peanutroolz8788

5 жыл бұрын

Ferraris and mansions are glorified cages.

@yaxizhang9455

4 жыл бұрын

Hej,,Chris,,Don't forget come to visit Finland

@chellappaveerasekaran8546

18 күн бұрын

Very true, society will want you to conform to what rest of the people are doing. It takes lot of guts to say "wrong is wrong, even if everyone is doing. Right is right, even if only one is doing".

I immigrated to USA when I was 24. I grew up in a 3rd world country and money was tight. When I came here and my first paycheck hit, I felt like a millionaire. I spent most of it on a brand new sports car, video games etc… years later I felt the pressure of living paycheck to paycheck. So I did a soul searching and read about minimalism, stoicism, and the fire movement. Since 2018, I traded my car for a used prius, became debt free after a year and able to build a net worth of almost 200g and we just bought our house. Minimalism+fire+stoicism can liberate you from being paycheck to paycheck.

I retired at 48, I’m also Hispanic everyone just assumes I’m on Social Security.💪🏼

@Fittassage-AlanaHernandez

3 жыл бұрын

This is the funniest comment I've ever seen in my life! 😂😂

@sebano8418

3 жыл бұрын

hahahah nice one man i retired at 22 man and i honestly did not tell anyone that i retired besides family im living a good life style that i wanted and it makes me happy because im free to do what i want edit: i onestly dont know what people think about me but my gaming buds think im a drug seller which im not hahahah idk why they asume that maybe bcuz im pretty young

@MsSugarlips21

3 жыл бұрын

@@sebano8418 may I ask how you were able to retire? I would love to learn something and apply it to my life

@verapamil07

3 жыл бұрын

That is really freaking rude just to assume that someone is receiving handouts. Can't understand those people.

@alexandracosso6706

3 жыл бұрын

@@verapamil07 Jealousy brings out the absolute worst in people.

I'm 60 years old and past my financial independence goal over 10 years ago. I still work because 1) I have no family except one sibling so staying home / traveling alone was not palatable; 2) I enjoy my work and am paid very well with great benefits to do it; 3) I have daily interactions with co-workers, most of whom I like so there's constant stimulation; and 4) I still have a lot of time for travel and hobbies. I live frugally, have no debt, and no kids. I will be retiring in 2 years and start collecting SS - until then, I'll just keep working. FIRE is not for everyone, but the ideas / reasoning behind the movement are good.

@EmilyAndClark

4 жыл бұрын

Just means you have life figured out. Good on you. I loved working as well. Just couldn't do it and voyage by sailboat. But I could have also been happy working throughout my life I think.

@hypnotechno

3 жыл бұрын

well done

@darrellstyner0001

2 жыл бұрын

No contradiction here. I don't have to work, but really enjoy it. Not everyone needs to leave it all behind and sail the 7 seas. You're living your best life and Clark and Emily are living theirs. All good!

@mylifethaidiy7045

Жыл бұрын

Just a suggestion. You might want to research visiting the Philippines. So many retired people have found a loving partner over there to settle down with. It's a tropical cheap paradise!

A friend of mine said, "You spend the first forty years of your life acquiring stuff, and the last forty years trying to get rid of all the stuff." I wish I would have done these things thirty years ago. Instead I did what is considered "normal." I did turn things around in my mid twenties, and now I am planning to retire at fifty-two.

@hurdurdur7rl696

2 жыл бұрын

"Normal" doesn't really make sense, now does it? With the state retirement ages climbing up i could retire at ~70. To do what exactly. To be hardly able to move around? Waiting that long makes no sense what so ever. Especially since i'm a man and the average life expectancy of men isn't really that great. The current model of "work work work and retire when you are old" is just sugar coated slavery, even if you get paid well for it.

@EmilyAndClark

2 жыл бұрын

Pass this video around. Save your young friends! I'd really appreciate the new viewers.

The biggest financial tips are simple. 1. Reduce your spending. 2. Increase investment, but realize how long returns will take. 3. Develop in demand skills, you can only reduce expenses so much. At some point you need greatly increase income. 4. Take time off and realize not working gets boring, find something you don't mind doing.

@mariadasilva1341

3 жыл бұрын

Agree w you Chris Phillip. Do what you love..... Retirement is boring if you have no interests.

@TowerofCrows

2 жыл бұрын

How long do returns take?

@EmilyAndClark

2 жыл бұрын

Quite a while. It's a function of how much you invest per month. Basically just get yourself to enjoy the investing until you get there.

"Be a welder, not a waiter." Well said.

@justincruz8352

3 жыл бұрын

My old roommate made 400 a night waiting tables. Just up your waiter game.

@vxnova1

3 жыл бұрын

@@justincruz8352 yup waiters can make a lot of cash,

I wish I'd had this mindset back when I was in my early twenties, 32 now. Time flies. I'm working on it now and trying to remain patient whilst also making up for those lost years. Go get it! :)

@EmilyAndClark

3 жыл бұрын

It feels like nothing is happening at first but as you get more principle your assets start growing faster and faster. Stick with it! -C

@kirenireves

2 жыл бұрын

Oh my, 32 is so young. I didn't finish school until I was 32. That's when I started earning a "real" paycheck. You have time, start now.

@fy4729

2 жыл бұрын

Same I wish I knew when I was younger. I had a good chunk of money I could’ve stashed away completely into my investments while continuing to work a job that covered my living expenses. So many missed opportunities because I just didn’t know.

Here's something to add from my experience - Don't smoke too much weed otherwise it will be the only thing that excites you.

@lullylew9083

2 жыл бұрын

@T *sigh* You don't even know me.

I started working at age 14 on a farm. Learned to hunt, life skills. My friends always told me I was cheap!! retired at age 37. Now 43 and still living a better lifestyle then most of my buddies. Live on cash not flash!!

@amadd5641

5 жыл бұрын

It's funny that we need to pay through the nose in order to be self-sufficient these days. If you want to fish, then you need to pay for a license and can only fish in designated areas. Hunting, building your own home, etc. Nope, you need to pay for regulations and the "privilege" of doing that.

@jackchristodoulou197

4 жыл бұрын

I am going to use that line I like, live on cash not flash

@mrsbrownsugarsweetz

4 жыл бұрын

Are u married because my husband lives on flash. His moto is yolo. I’m frugal but I find that when it’s time to go somewhere I don’t have nice clothes or shoes. How can we find balance?

7th time watching this video. I come back every month or so, reminding myself of my motivation and goals. This has been THE pillar video, the turning point, that has pushed myself in the right financial direction. Words cannot describe how important your content has been to helping me towards financial independence. Thank you so very much.

@EmilyAndClark

4 жыл бұрын

Thank you Justin. That was so nice to hear. We'd like to get the idea out there. "Enough" just isn't pushed by marketers for obvious reasons. Please consider sharing the playlist on social media.

@justinlight5964

4 жыл бұрын

​@@EmilyAndClark I agree completely. If only people realized that they CAN STOP. I.e. Some friends of mine just added another approx. $50,000 to their $500,000 mortgage debt, to build a wall outside their house, and they are 55yrs old. Like, when will they hope to pay off their mortgage, let alone another $50,000??? To me 'enough' just seems obvious but to others, I guess they are still heavily influenced by the earn & spend culture we live in. I share this video with my friends a lot! Love it!

@EmilyAndClark

4 жыл бұрын

Thanks, Justin

@EmilyAndClark

3 жыл бұрын

How have things been going?

@justinlight3899

3 жыл бұрын

@@EmilyAndClark Great! 8th time watching your video haha! ;) Paid off all debt, doubled safety savings, and on track with our investments. Also, got a couple of corporate clients now, so was able to invest more. Lastly, our dream is not a yacht but an off-grid cabin. We're actually buying the land (cash) in 1-2 weeks! Crazy stuff. It's all falling into place. Again, your video was the turning point. Thanks again!

I LOVE this!! I am also 36 and now retired. Just left the last corporate job a week ago and it’s over!!! The software job was so soul sucking and completely out of alignment with my happiness. And now the fun has begun. Even in one week I’ve become so relaxed. I see all the people around me- family, friends, neighbors, all on the daily grind and here I am floating above it now with Hawaiian music playing in the background :)

@fy4729

2 жыл бұрын

This is my goal. It’s about reducing stress and worry. I’m a simple person. I definitely am a minimalist at heart with hobbies that don’t require tons of money. I also like having a smaller, cozy space. I’m turning 30 this year. I hope to be able to hit fire by 40/45 through getting a higher paying job and building several streams of income on the side. All extra side cash will be shoved into stocks and I’ll keep working my regular job while reducing costs and maintaining a LC of living. I’ll work on what I want, but I just want the security of knowing I don’t have to work and I’ll be fine.

@Thepeoplereact

7 ай бұрын

🎉🎉🎉

@matthewcain2880

6 ай бұрын

What did you invest in?

@EmilyAndClark

6 ай бұрын

I suggest you watch the other "enough is enough" videos on our channel. There is a playlist. It's all there and how to do it for yourself.

@EmilyAndClark

6 ай бұрын

ENOUGH IS ENOUGH Series: kzread.info/head/PLsT7_jPsZM5qJLYMI4fKYgZDJ2Huq8e90

I like the marshmallow analogy. I see many people my age "eating the first marshmallow" by spending money on temporary pleasures, and I just can't bring myself to do that. I believe growing up in poverty taught me how to be frugal with money at an early age. There was a time in fourth grade when my shoes were falling apart, and I knew my mom, who was single with four kids, couldn't afford to buy me a new pair. We lived in a shelter and she had just recently totaled our car, but 10-year-old me wasn't going to let that get in the way. After days of begging, she finally agreed to walk us and our "hobo cart" a few miles to the nearest dollar store to purchase $5 worth of candy. Although I could have eaten the candy myself, I sold every last sucker at school and ended up returning my mom's initial investment, as well as being able to walk to school in my brand new pair of shoes. Seven years later, I have a job of my own, but I still find myself saving the first marshmallow so I will be better off in the future.

@EmilyAndClark

5 жыл бұрын

Great story. Sometimes it is going without that makes us realize how to work hard and be successful. Thanks for sharing!

@elizabethgielen7527

5 жыл бұрын

@@EmilyAndClark right!! No problem. You have a new subscriber :)

@EmilyAndClark

5 жыл бұрын

We appreciate that Elizabeth. Would you do us another favor? If you think your friends might like this video would you share it on social media? We want to get this thought out there.

@lostdragonfly5172

5 жыл бұрын

Awesome story.

@bobbywhitti9931

5 жыл бұрын

Your story is olmost like my, but in another place! But I can,see your a pretty good looking now then does day's,can we write each other? Or you have a partner to write to,keep up the good looking looks

This was excellent and common sense to some of us. The "American Dream" is: Buying stuff you don't need With money you don't have (debt) To impress people you don't like

@EmilyAndClark

5 жыл бұрын

I like this. Might steal it.

@johntheaccountant5594

5 жыл бұрын

Welcome to it; pass the phrase on.

@GuyVinmara

5 жыл бұрын

Great quote! It's from George Carlin

@user-td7xf3gz4l

5 жыл бұрын

I know a lot of people that are very happy with their stuff.

@johntheaccountant5594

5 жыл бұрын

Thank you for telling us where it came from, I actually did wonder where it originated from being from the UK.

I'm 50 been retired 8 years ago. I thought I was young retiring at 42 but you beat me. Enjoy every day. I do.

@carlyndolphin

2 жыл бұрын

Hi Drew. How are you finding retirement? I’m 42 years old and worry I might get bored. How do you fill your time?

I love the sincerity and practicality of your story. Thank you for sharing.

I retired at 48, bought a 43ft sailboat fixed it up for cruising and sailed around the world for 10 years. Best thing I ever did. Used the same philosophy as you all my life - be a saver! I live ashore now in a smallish house and am still saving money. Many other cruisers we met on our travels have the same way of life and are very happy.

@ajitdhavale4183

2 жыл бұрын

Very inspiring story ! Just like Clark's story..I am 49 .will retire by mid next year having achieved my financial goals..plan to tour wonderful Europe for next 25 years...the problem is system of the society is very mundane ..we are the only ones thinking differently ..nevertheless I think making the decision is important and a first step as like you guys...all the best

I am a minimalist for almost 30 years...we live on my teacher's salary...put away hubby's salary and it's not a lot but it's enough ..live simple...I do drive a Jeep but saved for it...work side hustles as needed..1 child...don't get sucked into expensive lifestyle... be happy...we eat 80% vegan, homemade. Tell the Jones family to screw off ;)

Thank you for sharing this. Enough is definitely on the fast track to peace.

Very inspiring video. Thanks for charing your story

This video is getting crazy popular. Thanks. I thought I might do another non sailing video. What would you like to hear about?

@tkayshakur2500

5 жыл бұрын

Where in North York?? I am in Old Forge, Adirondacks. Leaving soon though due to politics, taxes and cheaper land...

@Quincyq15

5 жыл бұрын

Do you mean putting into a 401k? I currently do 10% into the TSP. They match 5. I also max out my Roth. But I’m thinking I need to start a taxable if I want to retire early. I can’t touch my 401k until at least 55.

@MrElliottas193

5 жыл бұрын

Clark there is a huge community around FIRE, minimalism and personal finance and investing here on KZread. Many millennials like me are interested in living a life where we place experiences over things. I think you have a special perspective and an interesting life to share with people as an alternate way to live. If you keep dishing out the advice on these topics people will keep coming back.

@stevenponte6655

5 жыл бұрын

Definitely a video to understand your investment plan and thought process would be amazing

@cdb5662

5 жыл бұрын

The elephant in the room... HEALTH INSURANCE!!!!!!!!!!!!!!! Duh.

I believe the concept of "enough" comes down to contentment. Nothing is better. Life is so much more relaxed when you are content.

@buffalomitch7088

3 жыл бұрын

Maybe that's why the Spanish word for "happy" is "contento"!

Liked and subscribed. Thanks a lot to you Clark! Wise, smart and honest advices. Love it. Warm greetings from a retired engineer in Germany.

Saving this to watch with my three kids. Very well said. Thank you.

You are 100% accurate on finding the right partner. Being with someone who constantly likes to shop and spend is stressful and relationship is doomed! Speaking from experience sadly .😕😔

@icawn

5 жыл бұрын

I feel you. I'm in the same boat at 35, wondering if I could ever retire staying married.

@bobbiclinger7500

5 жыл бұрын

Right. Do NOT hook up with a squanderer! Bad news!

@dianer8881

5 жыл бұрын

Both my brothers earn more than $100,000 per year. They're both deep in debt due to expensive colleges for their kids as well as shopaholic - drug addict - alcoholic wives. They will never be able to retire. As Power of Attorneys for my Mom, they also wiped out most of her retirement money as well - under the guise of multiple cash gifts. I have always lived on less than $15,000 per year - after taxes and health insurance. I saved every penny and am comfortably retired. I'll never inherit, because my Mom has very little left. Exploitation of the elderly is difficult to prove. It's best to count on yourself and to find your own way. Life and people are unpredictable.

@amadd5641

5 жыл бұрын

@@dianer8881 Unpredictable? "Predictable leeches" are more the operative words..haha.

@calebolynick6685

5 жыл бұрын

Its extremely hard. In my 20's i saved up for my kids college fund, only to see it all gone plus another 50k in credit card debt on nothing but crap. I worked hard for my kids future just to see to it go to nothing was the hardest thing. Still married, I'm 30 now but still extremely bitter. And still dealing with it. Wondering when enough is enough.

You're on another level to the most of the other retire early gurus, who, bless them, are all about 20! You've lived this for years and therefore have real authority. Your story is excellent - it has everything. I guess more videos on this topic would be terrific!

@EmilyAndClark

5 жыл бұрын

On their way

@Si1234321

5 жыл бұрын

😂 absolutely! Most “get rich” or “I’ve retired” videos are made by charlatans who haven’t actually retired and work freelance selling “systems” to get rich (even though they’re not actual rich themselves..). Good to see someone who’s actually done it.

@LeeKobe1

2 жыл бұрын

@@Si1234321 Yes, and literally run from the pyramid scheme's.

your life looks awesome man happy for you, thanks for the informative video!

Thanks for the boat information. I will look at the videos. They look very informative. Safe travels !

Amazing! I've decided to retire in March at 43 - I have a similar story. Very inspirational! Thanks for sharing!

@jesusbalderas3449

5 жыл бұрын

4th year in retirement. I turn 41 in May. Best decision to make enough.

@freeourmind679

5 жыл бұрын

@@jesusbalderas3449 I'm 41 and ready to be debt free. how did you know what your enough was? do you have investments? 401K? my problem is I can't figure out what enough really means and from what sources.

@EmilyAndClark

3 жыл бұрын

How have things been going for you?

I'm glad KZread suggested this video! I'm a 38 year old military veteran, and I reached my "enough!" Not that I have enough money, but I had enough of working in California just to pay bills, not following my dreams, joys and passions, and living a ordinary life when I know I'm meant for more. So I'm leaving in April to Spain to start traveling the world doing work exchanges through Workaway. I will also be making a KZread/Facebook show called ExChanging The World where I find people doing good things for others in their communities, tell their stories, and reward/surprise them anyway I can to help them! This is the best thing for me physically, mentally, emotionally, spiritually and financially. I hope to have some episodes ready in the Fall! Thank you for sharing your story, Clark!

@liongod1000

5 жыл бұрын

@Jacob Crawford Wishing you all the Luck in your venture and may you find peace in all you do for others and most importantly..... YOU!

@crawfordjacoba

5 жыл бұрын

@@liongod1000 Thank you, Robert! That means a lot to me :)

@EmilyAndClark

5 жыл бұрын

Sounds like a wonderful adventure ahead of you.

@crawfordjacoba

5 жыл бұрын

@@EmilyAndClark Thank you! I hope to help people make changes in their lives, just like you are doing!

@thebritishindian1

5 жыл бұрын

Jacob Crawford Enjoy your travels! I left the UK in 2004 and never went back due to the high taxes and poor infrastructure (just like California). You’ll never regret it. I wish you all the best.

clark man! I am in the middle of practicing guitar while watching this, and I positively love the chord diagram you have on the back wall!

I worked part-time and raised 2 daughters without child support. We lived on less than $15,000 per year - after taxes and health insurance. We just learned to live without. I saved every extra penny and am comfortably retired. I tried working full-time, but I quickly got burnt out. So, cutting expenses was the next best thing. I've never regretted it. Freedom from work is everything.

@EmilyAndClark

5 жыл бұрын

You get it, you lived it. I hope this video felt right, it was my first try at something like this. If you think friends might benefit please share the message.

@dianer8881

5 жыл бұрын

@@EmilyAndClark Yes, I share this same message throughout the KZread universe. The rat race is nuts!

@JK20239

5 жыл бұрын

I call BS. I work minimum wage at 17k a year. Im struggling on my own. Single male at 28

@vapeking466

5 жыл бұрын

It actually can cost alot more to live alone. If you have girlfriend or roomate to split the rent its a lot cheaper. Also split the bills.

@brandynklosterbuer9351

5 жыл бұрын

I was 28 when I bought my house and now it's paid off, raised 3 kids at the same time with no support and made $13/hr. I'm now 37 and have two decent paid off cars and we're going to be remodeling soon with cash, cash is King!

Retired at 50. There was no stress for me during the transition as I had been dreaming about it and planning for it for many years. I've never been happier.

@theadvocate1925

5 жыл бұрын

Any advice to scaredy cats like me? I'm 53 and losing my IT job July 1st. due to outsourcing. I have about 1.1 million. With my wife working, I can easily survive on $35,000 per year and look for a part time job.

@EmilyAndClark

5 жыл бұрын

You should be fine. You know 4% rule and all. It's amazing how little you spend when you have time. Working costs money in that you have no time to work for yourself.

@theadvocate1925

5 жыл бұрын

@@EmilyAndClark Thank you. I've been planning early retirement for a long time and I am aware of the FIRE rules and the 4% SWR but keep falling into the trap of self doubt. I've been working since 16 so close to 37 years, it will be a major adjustment which in my 20's-40's never thought i'd have an issue with.

@EmilyAndClark

5 жыл бұрын

You are right. It will be difficult. A lot of guys die from the stress of retirement. In your case, being forced out a bit early, it's likely going to be harder. But, hopefully knowing those feelings are coming can prepare you for them. I've been through it. It's going to feel wired but that will pass. Remember nothing is wrong. You have prepared for this. You did the right thing, try to enjoy your free time without guilt. You deserve it. This might not make sense now but it might later if you go through what I did. I wish I had someone tell me it was coming and will pass. Hopefully you will take to your new life with no worries and this is just a waste of time.

@theadvocate1925

5 жыл бұрын

@@EmilyAndClark Thanks for the words of wisdom. Much appreciated.

Really needed that talk . Thank you Clark you've been a real inspiration !

@EmilyAndClark

2 жыл бұрын

Thanks Thomas. Would you do me a favor and share this with friends who might like it?

Wonderful reflection on Your life, Clark and I am sure some people will take what they need to shape their's. Others won't but as you said and life is just that, it's everyone's own choice. So I took from your story something at great value to me and re-shape my life, now at almost 63 which, makes you my little brother :). Thank you for reinforcing my believes, Clark and who knows, we may catch up sometime - who knows where! Keep yonks sailing but most of all, stay healthy, young we are and stay anyway.

Watched it right through, brilliant. Clark's message is more powerful than anything we can expect from Davos so please everyone share this, we did, and genuinely help folks find their own happiness through all the fog. Thank you for a wonderful presentation.

This was so eye opening!! Awesome tips!!

This is such an awesome video!! I have been watching these types of videos for years, and this is put together really well! Thank you for sharing!

@EmilyAndClark

4 жыл бұрын

Thanks mtheron. Maybe your friends might like as well, would you consider sharing our financial playlist on social media. We would appreciate the new viewers.

Thanks for taking the time to make this video. It was very informative for me.

@EmilyAndClark

4 жыл бұрын

You're welcome Jim Bob. If you think your friends might also like it how about sharing our playlist on social media? We would really appreciate the new viewers.

Well said. Same. Thanks for sharing. Just found you guys. Met Emily a few years ago in the tiny house she built. Happy to see you guys enjoying and living your best life.

This is a fantastic video with great information. Thank you for posting and happy sailing!

Thank you for the video. Your candor and willingness to share your personal journey are greatly appreciated it. Happy sailing.

@EmilyAndClark

4 жыл бұрын

You're welcome Ryan. If you think your social media friends would also like the video, how about sharing the playlist? The new views would really help us grow our channel.

This is such great information! I first saw this video I think about two years ago. This is the third time I just watched it all the way through. Very inspiring!

@EmilyAndClark

3 жыл бұрын

Thanks Lauren. So nice of you to say. If you think your friends might also like it how about sharing a link on social media?

I have my own ideas about "enough" but I certainly share the sentiment, and I'm glad I'm not alone. Thanks for the video!

Excellent advice for millennials! At 48, recovered from a brain tumor, I’m no where near retirement. Made poor career choices. Currently work in the medical device industry and do not make much money & cant stand my work. Struggling to find a way to make up for lost time in order to retire. The idea of feeling trapped in life is at times overwhelming.

@lucybeaulieu4597

4 жыл бұрын

I work in Medical Device Reprocessing and I can't stand it anymore either. Researching Mexico, Costa Rica and Panama to retire. Not gonna happen if I stay in Canada

@EmilyAndClark

4 жыл бұрын

Would you all consider sharing our playlist on social media? We'd really appreciate the new viewers and your friends might benefit from the ideas we put out. Maybe save them from a job they don't like.

Thank you! Showed this to my young boys.

Thanks Clark for sharing your views and experiences! It really responds to what I seek. I am glad, you had the courage, to spread your thoughts on the web. Best wishes!

@EmilyAndClark

3 жыл бұрын

You're very welcome Gabriel. Thanks for writing. Do you think your friends might also like this video? Would you consider sharing it on social media? I'd really appreciate the new viewers.

24:21 "achieving is addictive" Wow, i have never thought of it that way. Great point to bring out and get my mind thinking about slowing down!

Good, thoughtful advice! So succinct and persuasive, and so well-expressed. Thank you! We will be passing this along!

Lot of great points here - Thanks for the review.

This is very refreshing to hear someone who’s done what i’ve done and i must say very very good advice to anybody starting out or looking for change in there life. Work towards goals, stay away from all forms of credit, don’t keep up with your piers and most of all don’t be greedy and know when to stop. My experience is the ones out to prove them selves being the biggest xxxx on the block are the most miserable and loose everything...

Holy sh... this guy should be teaching finance to everybody. Please do more videos like this.

@EmilyAndClark

5 жыл бұрын

Thank you Luis. I think I will. Please subscribe so you can see them when they come out, and if you liked this please share the video over your social media. We are just getting started and could use the viewers. Also, you might like our other "sailing life" type videos. I suggest you start with our "Adventure Logs" they include a budget section.

@constanzza777

5 жыл бұрын

This guy gets is paid by all these companies that appear on the screen while you watch his videos ...

@luisrolonluna2881

5 жыл бұрын

@@constanzza777 So?

@constanzza777

5 жыл бұрын

@@luisrolonluna2881 , this is his most valuable teaching...

@EmilyAndClark

5 жыл бұрын

@Connie. As does every other creator on KZread. It's like 1/2 to 1/4 cents for a commercial. Usually doesn't pay for the batteries in the sound recorder.

Great video! I am the same way!

Great philosophy and one that I thoroughly enjoy living. The emphasis on defining enough here was very helpful and as I'm nearing that point, is something that I'll start thinking through more deeply. Thanks!

@EmilyAndClark

4 жыл бұрын

Thanks Albert. If you think your friends might also like it how about sharing our playlist on social media. We would really appreciate the new viewers.

Clark, congratulations and you are amazing. Your share came across as truly inspiring and from the heart. I suppose, I have been on this journey for a very long time but now I am getting more intentional about it but I am not 36..it is going to take me atleast another 10 years or so. But I am ok knowing that if I take action and stay true to my intention and commitment, I will get there. You have really sparked a real fire in me to get there sooner and then engage in a series of thing I want to do to bring joy to this world!! Again, thank you and wish you both the best in life.

@EmilyAndClark

3 жыл бұрын

How have things been going for you?

This is golden advice! I need to make my own definition of "enough"!! Thank you for sharing :)

It's a month since I first commented here, & people are saying 60's is old. No way. 😂 I'm 65, I had mitral valve heart surgery last May & now it's all good. I could literally last 30+ more years, seriously. It's all about diet (veggies, fruit, meat twice a week), exercise (cycling for me), & zero stress. It's a great time to be alive, what with the excellent life planning & motivation KZread videos. Watch sailing videos b/c it's endless repairs & maintenance, get ready for that (the bigger the more repairs, plus electronics). It's made me re-consider a bit. Right now I'm working on a new fiction series to finish next year. I dreamt before of a 37' Beneteau (30+ years), now I'm thinking 30' max with minimal electronics. Really, the adventure is the journey of life itself, whatever you do with your days. I've even thought of buying a very used Chinese junk with a deck cabin, or a 35'+ used Thai dragontail boat for < US$ 8,000 ... Western yachts are absurdly expensive. 😉

@hirrorstories

5 жыл бұрын

I read your comment with enthusiasm then I saw you are writing fiction. That's great! I am also writer. I would love to have writer friend 👍🏻.

@leonari

4 жыл бұрын

Sounds good...except the part with meat 2 Times per week.... Not the healthiest choice.

@bronzemansadventures1508

4 жыл бұрын

@@leonari That is just your opinion, and there are many people who would disagree. Please keep in mind that it is *not a fact* and do not judge people on their choices on public forums (especially if they already said they feel so healthy that they can last another 30+ years) You keep doing you but not to the expense of others.

@leonari

4 жыл бұрын

@@bronzemansadventures1508 yeah it is my opinion. Period. What is a comment Forum for if not to post ones opinion? Did I say that I am the biggest expert in the field of nutrition? That people absolutely must listen to me if they want to live a long and healthy life? No I did not. So do me and everybody a favor: Look for someone else to school and take your entitled ways of comunicating and shove them. I am entitled to my personal opinion -so are you. We can agree to disagree. But that seems a foreign concept for folks like you.

@bronzemansadventures1508

4 жыл бұрын

@@leonari You are the one schooling people and pushing your judgement and unsolicited advice on others and I am inviting you to be mindful of that but that nuance seems to be lost on you. And when I make you aware of this, I get the response "shove it" - *super respectful* Jeez, you really are a joy to interact with...

There is so much wisdom in this video. Thanks for sharing with us.

@EmilyAndClark

4 жыл бұрын

You're welcome Keith. If you think your friends might also like it how about sharing our playlist on social media? We'd appreciate the new viewers!

This video is so underrated. Thank you, thank you!

@EmilyAndClark

3 жыл бұрын

Thanks. Feel free to share it with your friends. I'd appreciate the views!

THIS is by far the best advice on personal finance that I have ever heard and it is exactly what I need 1 year before I walk away from the 9 to 5 to travel full time in my RV. I hit the subscribe button and look forward to following you and Emily. Thank you and safe travels!

@EmilyAndClark

3 жыл бұрын

How have things been going for you?

Thanks for taking to time to "give back" to us all trying to balance this evolving world, it's conditioning and machinations :)

What a great video! By far the best I’ve found on the topic 👍

One of most motivative videos i ever seen! Thank you for sharing!

@EmilyAndClark

Жыл бұрын

You're very welcome, Han. Please consider sharing the link.

I retired at 42, traveled around in a motor home. Had to go back to work - chose real estate. Going well but back to work is nice. When I was retired I had a 5 hr stretch during the day when I needed to feel productive. Finding the balance while working and playing works for me. I will probably work the rest of my life as ling as I can walk and talk, but only 5 hrs a day.

This is real good stuff. Went about this the same but different. By opening up, you and your Wife are really helping people Who will listen. Thank you for sharing! Thanks for Excellent content!

@EmilyAndClark

5 жыл бұрын

Thanks Randy.

Thanks for the advise, Leonidas!

Hello Clark You're a great speaker and I enjoy seing yr videos because you're sincere. This one I will recommend to my kids aged 22 and 23, as it is so reliving to listen to the logics of "enough". You embrace a huge amount of very important choices and situations, and you align so well with my own teachings. But as you surely know, hearing it from someone else, completes the circle of accepting and then adopting. Best, Claus

I retired at the same age (got tired of hunting for jobs, dealing with idiots at work, etc) but didn't go on any adventures. Did become a full time stay at home dad however.

@EmilyAndClark

5 жыл бұрын

Perhaps being a dad is your adventure :)

@missionhappiness5883

5 жыл бұрын

Stay at home dad.... That's my dream

@hagbard72

5 жыл бұрын

@@missionhappiness5883 It's not all that its cracked up to be. I probably wouldn't do it again. Can't go back after twenty three years of it. Not awful but miss the opportunities would have had otherwise. Also, no respect from anyone for doing it.

@bocadelcieloplaya3852

5 жыл бұрын

@@hagbard72 , being an active parent in a child's life day in and day out is challenging; being a stay at home parent...the struggle is real. the Plantation is always welcoming back worker drone bees. ;)

@hagbard72

5 жыл бұрын

@@bocadelcieloplaya3852 Not when you're 61.

Thank you for this, this is just the kind of talk I needed to get started this path. I've been wanting to buy a boat, sail the world and live life on my own terms as you do. I've faultered off that path and I understand now what I need to do to get back on a path that leads to my financial and personal freedom.

@EmilyAndClark

3 жыл бұрын

How have things been going?

We found you guys on youtube last night and spent the evening enjoying your wonderful videos. So elequant and helpful. Thanks so much and hope to meet you this Winter in the bays. Wayne and Danielle x

@EmilyAndClark

2 жыл бұрын

You're welcome. If you see Temptress stop on by.

Bloody brilliant, good on you guys. On the same path to enjoying life ourselves, value family and the time you have left with them.

@EmilyAndClark

3 жыл бұрын

Thanks Kane. Hope your path leads to a wonderful life as well. Would you consider sharing our playlists on social media? Your friends might also like our videos and we would really appreciate the new viewers.

I'm 31 and this has been my goal for the last 11 years, I'm so glad to see that you succeeded, hope to do so my self in 9-10 years :). Keep living well :D

@EmilyAndClark

3 жыл бұрын

How have things been going for you?

The KZread algorithm is getting great - it recommended me this wonderful video! I enjoyed every single second of it, thanks for sharing :) Achieving is indeed addictive to me, and I have no idea if it will ever stop... but just like you, I don't care about money per se. It's just a mean to live and experience things. We won't take that money to the grave anyway!

Thank you, I have sent this to my daughter as an assignment to be discussed at dinner this evening (she is 17). Great way to open a dialog with points and suggestions. Thank you again for sharing!!

@EmilyAndClark

3 жыл бұрын

Your very welcome Leonard. It's always the best compliment when people tell me they suggested my video to their kids. Thanks If you have any other friends who you think might also like our stuff please consider sharing our playlists on social media. We'd really appreciate the new subscribers.

@EmilyAndClark

3 жыл бұрын

How did she take the idea?

Thanks so much for this Clark! I've seen so many people in the 20s starting, 30s kind of into it, and 40s preaching the concept but to hear someone who is at retirement age and having done this for years (and thus went through not one, but two recessions), it's great to see that you were able to power through it all and still continue living that life.

@EmilyAndClark

5 жыл бұрын

Thank you Addison, this is exactly the response I had hoped to get when I started writing this. You made me feel good today.

Awesome video . Thank you for telling us your store. A lot of great tips 😁

@EmilyAndClark

5 жыл бұрын

You are very welcome David. Hope you subscribed so we can share more.

This is crazy inspiring! One of the best motivational videos I’ve watched! Thanks!

@EmilyAndClark

3 жыл бұрын

Glad you like it mothballjim. How about sharing our playlists on social media? We'd really appreciate the new subscribers.

@EmilyAndClark

3 жыл бұрын

How have things been going for you?

pretty great perspective thank you for sharing, Enjoy The Wave.

This is the first video I've seen of Emily & Clark's Adventure, and I subscribed. Great comments below, too! My love is music. I don't know what I want out of it, I just feel so compelled to play.

I retired when I was 48, but I was not happy till I bought a Vancouver 27, and sailed of to Mexico and got divorced. I single handed for about ten years and found a new love that enjoyed the sailing and the solitude as much as I did. still sailing but now on a Wildcat 35. Thank you for your great video, oh by the way I did buy a porsche which I get to drive about every two years.

Superb advice, and some I wish I knew earlier. Life has taught me regardless of the amount of control you think you may have, it's pretty much a fragile illusion. Just be ready for the ride, and Clark's super on point with his work/profession and savings message here.

@EmilyAndClark

3 жыл бұрын

Thanks Nuggets, glad you liked the video. If you'd like to get this message out to friends "earlier" how about sharing our playlists on social media? We'd really appreciate the new viewers. Clark and Emily

Excellent advice, watched it twice, will again ! Thanks !

@EmilyAndClark

3 жыл бұрын

Please consider sharing this video with your friends on social media. I'd appreciate the new viewers.

Clark, great video. I just shared it with my son.

Great video I am 55 and have been retired for the past 16 years . It has been a great choice for me.

Watched all - I didn't agree with some points, but overall it was a good vibe, with some sound points for setting achievable goals - and I even wrote a few things down to add to my own ongoing plan for early retirement. Like everything, if people take the time to listen to lots of advice, such as videos like this where real people take the time to share, there's always a few helpful nuggets that fit and can be usable - Don't expect one video or one book to have all the answers - So thanks for sharing - and happy sailing!!

I so appreciate this video! This is my lifestyle working to get better at it and become self sufficient!

@EmilyAndClark

Жыл бұрын

Thanks Carl, How about sharing a link? It would help my views and maybe your friends.

This video is inspiring! I recently downsized my apartment and we now only have one car, it sometimes feels weird to do the opposite when so many people are getting bigger and more expensive things but seeing people who are steps ahead of me in this journey achieving their goals is so great to see! It makes the sometimes alienating feelings of going against the grain feel so worth it.

@EmilyAndClark

4 жыл бұрын

How about sharing my playlist on social media. More viewers for me and your friends might have more understanding about how cool your choices are.

I'm your age and retired a month ago. I'm loving it and I appreciate your comment about how hard it is to stop striving for more! Time to chill and find my goals for Life 2.0

@EmilyAndClark

5 жыл бұрын

I know right. I was amazed at how that was stressful. Thought it might have just been me but I meet a lot of retired early guys, happens a lot. I've gotten so many comments on that. Best if luck on Life 2.0

@jacoblagendyk2979

5 жыл бұрын

@@EmilyAndClark Turned 55 yesterday but it looks like I will have grind it out till 70 the way its going. If I was alone I probably would be able to retire. Was retrenched a few years back and had to dig into retirement funds to support the family. Still have to get them through varsity/collage ...

@EmilyAndClark

3 жыл бұрын

How have things been going for you?

Great video! I retired at 35 from the military.. I'm 57 now. I've been sailing since I was 6. My background is electronic/electrical/mechanical, so your videos are very appealing to me. Currently refitting our 35ft colvin Tamarack steel schooner Blue Dragon. Keep going with the great content 😎

I really enjoyed what you had to say. I am 30 and slowly starting figuring out what I want. Its very hard to come to terms with it and even harder to take steps in that direction because then it becomes a reality. Hopefully I will make it and be FI by 35.

That's it, knowing how much is enough ! Great advice! I'm about to retire at 55 in a few months time. I know if I work to 60 I'll get much more money But time is now what I value the most and not having to be a wage slave anymore! Great video! Thanks