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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

3 жыл бұрын

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

@opnspa55

3 жыл бұрын

That is the most important thing that we mostly overlook

@CoolnesXcore

3 жыл бұрын

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

@vtheb1299

3 жыл бұрын

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

3 жыл бұрын

BINGO

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

3 жыл бұрын

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

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

3 жыл бұрын

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

@sherman3465

3 жыл бұрын

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

2 жыл бұрын

Way2go

@Divalady62308

2 жыл бұрын

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

@anna-lenameijer9942

2 жыл бұрын

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.

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

3 жыл бұрын

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

@PhoenixRain01010

3 жыл бұрын

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

@smann7236

3 жыл бұрын

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

@LalzJeNeSuis

3 жыл бұрын

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

3 жыл бұрын

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

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

@OurRichJourney

3 жыл бұрын

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

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

3 жыл бұрын

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

Your channel will always be my best on KZread , 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..

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

@OurRichJourney

3 жыл бұрын

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

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!

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!

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

3 жыл бұрын

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

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

3 жыл бұрын

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

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.

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

3 жыл бұрын

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

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.

Thank you, this is perfect timing

@OurRichJourney

3 жыл бұрын

So glad to hear that! Thanks for watching Kareen!

Like the positivity as always

@OurRichJourney

3 жыл бұрын

Aww, thank you so much Holy!!!!

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.

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

3 жыл бұрын

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

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

@OurRichJourney

3 жыл бұрын

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

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

3 жыл бұрын

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

Thank you for the boost of confidence!

@OurRichJourney

3 жыл бұрын

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

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

3 жыл бұрын

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

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

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!

Very helpful thank you for sharing.

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

@OurRichJourney

3 жыл бұрын

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

Thank you guys so much. ❤️

Needed this!! Thank you

@OurRichJourney

3 жыл бұрын

Glad it was helpful Raymond!!! Thank you so much!!!

Thanks for another one, you two❤️

Thank you two so much.💚

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

3 жыл бұрын

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

@jenellgordy1071

3 жыл бұрын

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.

Great advice!! Enjoy your videos!

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

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

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

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

3 жыл бұрын

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

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

@OurRichJourney

3 жыл бұрын

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

I would honestly say KZread 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...KZread is it! And now it is helping me (through your channel) get my finances truly in order. :) I love it!

@OurRichJourney

3 жыл бұрын

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

@wordsofcheer

3 жыл бұрын

Yeeees! I go to KZread 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

3 жыл бұрын

#youtubeuniversity I don't want to graduate

@calmman32

3 жыл бұрын

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

This was very helpful! Thanks so much for this video!

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

@OurRichJourney

3 жыл бұрын

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

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

Thank you for all you teach us!

@OurRichJourney

3 жыл бұрын

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

Great video perfect timing thanks Stay safe

@OurRichJourney

3 жыл бұрын

That's fantastic! Thanks Ignacio 👍

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

3 жыл бұрын

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

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

3 жыл бұрын

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!!!!!❤️❤️❤️

Keep up the great work with informative videos.

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

This was a very informative video. Thanks for sharing it.

Another great video and topic, thanks so much!

Excellent video.. as always

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

3 жыл бұрын

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

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

Appreciated, very helpful

Fantastic, im so happy to learn more on this channel

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

@OurRichJourney

3 жыл бұрын

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

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!

Another amazing video!!!!

You guys are amazing.

Thank you have a wonderful day

You guys give great advice🥰

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.

As always really useful insights

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

3 жыл бұрын

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

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

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

I love you guys, Thank You so much! Subscribed

@OurRichJourney

2 жыл бұрын

Thank you so much Claudia!!!

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

3 жыл бұрын

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

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

@OurRichJourney

3 жыл бұрын

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!

I appreciate y’all

📈Looking to learn how to invest? Enroll in our Stock Market Investing Course: www.ourrichjourney.com/investingforfire 🔥Learn more about financial independence and retiring early: Enroll in our F.I.R.E. Master Class: www.ourrichjourney.com/firemasterclass ✈Want to move to Portugal? Enroll in our Moving to Portugal Course: www.ourrichjourney.com/movingtoportugal

@evaj3259

2 жыл бұрын

Dear Rich Journey is this course only for USA Citizens ?

@coollikedat

2 жыл бұрын

Thanks for the tips guys..just wondering how you pay for Healthcare in 🇵🇹

@LoveLife11115

2 жыл бұрын

ASA- Thank you for having your courses extremely reasonable for EVERY pay scale. May Allah continue to bless you!

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

Insightful, thanks

Great content!

Great info on financial assistance programs!

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

Thank you.

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

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

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

3 жыл бұрын

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

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

I like this vid. Good insight.

this is the most important video out there!

So many gems in this video!!!

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

2 жыл бұрын

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

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

@charity0009

2 жыл бұрын

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. 🙌💞

Smart advice 👌

Wonderful, so impactfull

@OurRichJourney

3 жыл бұрын

Thank you so much @DottyGirl!

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.

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

You guys are something else.

Great content

Thanks for the information. 👍👍💯💯

@OurRichJourney

3 жыл бұрын

Thank YOU for watching and commenting!!! 👍

Good video 🇬🇧

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

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!😀🌈

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

3 жыл бұрын

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

3 жыл бұрын

@@OurRichJourney 😀👍

This is extremely valuable 🤗👏👏👏

@OurRichJourney

3 жыл бұрын

Thank you M J!!!!

♥️♥️love you guys..Great as usual 🥰

@OurRichJourney

3 жыл бұрын

Thanks so much Marwa!🥰