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Speaker 1: Hey, hey, Hey, we're back. We're black, We're brown, Ambison, Heymandra.

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Speaker 2: Hey, hello from the end of the world. It feels

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Speaker 2: like the end of the world. This weather is so

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Speaker 2: twenty twenty.

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Speaker 1: I know. I'm like, uh so we're having a hurricane. Okay, gotcha, gotcha?

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Speaker 2: Fair enough, totally fine. My house has we had this

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Speaker 2: really beautiful old tree in front of my house, and

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Speaker 2: of course me and my anxiety, I'm just like, is

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Speaker 2: that tree gonna come down on us?

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Speaker 3: Like?

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Speaker 2: What's going on? It felt pretty biblical. Hope you guys

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Speaker 2: are safe if you're on the East coast. What is

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Speaker 2: this even called tropical storm Desiree or Denise?

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Speaker 1: I forget, I don't know, but she has attitude and

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Speaker 1: I don't.

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Speaker 2: What else is going on.

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Speaker 1: So this weekend was Funsi Superman and his super twin

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Speaker 1: turned forty.

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Speaker 2: Yeah, that's a big one. It is b What did

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Speaker 2: they How do you celebrate your fortieth birthday as at

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Speaker 2: twe I imagine you don't like we're matching outfits.

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Speaker 1: Now, but you do have a party ticket? But okay, yeah,

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Speaker 1: but it was honestly, it was really First of all,

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Speaker 1: it started the weekend started off hilarious because why did

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Speaker 1: a few people hit me up and say take that

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Speaker 1: door off superdoor, Supergirl's door, and we did. Oh, so

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Speaker 1: many people hit me yes, yeah, so many people hit

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Speaker 1: me up with the girl girl. So many people were like,

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Speaker 1: let me tell you something. You go in there, you

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Speaker 1: take that door off the hinges and I and I

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Speaker 1: sold Superman. I said, I don't think we have a choice.

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Speaker 1: I think I think Brian and Bish and listeners have spoken. No,

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Speaker 1: we were going to do that anyway. So she came home.

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Speaker 1: He was going to do it before she got home,

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Speaker 1: but she came on a little earlier, so she stood

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Speaker 1: and watched like that was a little drama. Like effective

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Speaker 1: was she APOLOGI she was, I like, you know, I

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Speaker 1: guess she realized like, yikes, this is bigger because everyone

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Speaker 1: spoke to her. So my twin, my my husband's twin

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Speaker 1: is like her favorite uncle. Like she's like, that's like

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Speaker 1: the love of her life. So when he spoke to her,

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Speaker 1: was like, you know, that was really disrespectful. I could

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Speaker 1: tell she was like, wait, what my fave on fave

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Speaker 1: Wait a minute, you know, yeah.

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Speaker 2: I've been thinking about I feel like at that age,

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Speaker 2: it's when they start to test and see how far

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Speaker 2: can I push and what can I get away with?

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Speaker 2: And I think it's like it's an even better opportunity

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Speaker 2: for you guys to set the tone now.

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Speaker 1: Exactly, so like honestly, like we had honestly, it was

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Speaker 1: a great weekend and we What I liked is that

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Speaker 1: we were able to do that but then also be

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Speaker 1: like fun time. You know, she came to the party,

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Speaker 1: had a good time.

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Speaker 2: So what y'all do do you have a big party?

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Speaker 1: No, not big. We just had like family. It was

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Speaker 1: probably around in total twenty people, but they you know,

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Speaker 1: it was in and out like so and people wore

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Speaker 1: their masks for the most part. Okay, my nerves were

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Speaker 1: like no, no, they wore their masks, and folks that

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Speaker 1: were especially like you know, like I had a friend

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Speaker 1: that just basically stayed inside. So we had like safe

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Speaker 1: zones for people who wanted to come and support but

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Speaker 1: really didn't want to because we had it in the backyard.

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Speaker 1: We transformed our little our backyard is not very big

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Speaker 1: at all, our little backyard into this really nice oasis.

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Speaker 1: And it almost looked like like you know how you

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Speaker 1: go to like a restaurant and they have like a

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Speaker 1: back like patio where it's like seating, and yeah, it was. Honestly,

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Speaker 1: it was really beautiful. And restaurants I remember those, yeah,

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Speaker 1: because that's how I was considering. I was like, maybe

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Speaker 1: we'll do an outdoor restaurant. But as we called some

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Speaker 1: of them just to see, you know, what it looked

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Speaker 1: like or how you would do it, most of them,

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Speaker 1: honestly weren't. They didn't know how. They were like, honestly,

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Speaker 1: we don't know how to navigate in these quarantine times.

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Speaker 1: So we were just like, you know, we were already

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Speaker 1: fixing up our backyard. So it was I had like

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Speaker 1: a week and a half and I just rushed ordered

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Speaker 1: all the things lighting and we had a gazebo already

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Speaker 1: but seating and you know, and then we had food catered. Honestly,

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Speaker 1: it just ended up being perfect. His family and their

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Speaker 1: family and myself, we all chipped in and got them

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Speaker 1: like really nice, like grown men watches. I think his

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Speaker 1: twin was especially surprised because I think he thought like, oh,

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Speaker 1: this is my brother's party. It's like, no, we're celebrating

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Speaker 1: both of you, and so there was some tears shed.

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Speaker 1: I'm telling on you. Super Twin.

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Speaker 2: Super Twin is he married, is he single? Does he

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Speaker 2: have family?

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Speaker 1: So he has a long term girlfriend since he was fourteen,

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Speaker 1: Like they've been together. They have a twenty nineteen or

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Speaker 1: twenty year old son. Oh wow mm hm, And so

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Speaker 1: so they were together. They've been together a very long time.

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Speaker 1: He is head over heels. And now you ask, how

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Speaker 1: come they not married? That's not his choice whatever. I'm

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Speaker 1: not telling his business.

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Speaker 2: But either way, listen, I wasn't gonna say, I wasn't

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Speaker 2: gonna ask anything.

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Speaker 1: No, that wasn't like if it was up to him,

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Speaker 1: they'd be married twenty thousand times. But yeah, no he

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Speaker 1: So it's funny because every year when I post their

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Speaker 1: picture to say, you know, happy birthday, twins, super twins,

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Speaker 1: the comments are filled with which one yours? So that's

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Speaker 1: the other one. And it was because there were a

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Speaker 1: couple of BA listeners. One girl said like one woman said, girl,

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Speaker 1: you know now seeing Superman like every time you know

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Speaker 1: how We're like, really, you're walking in again every time

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Speaker 1: I record, And so they're like it just makes it

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Speaker 1: even funnier.

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Speaker 2: I know what to do.

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Speaker 1: Yes, And someone was like, wait, that's the twin that

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Speaker 1: the next neighbor rolled up on. Girl is he crazy

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Speaker 1: because when you see super Twin, yes, yes, and you

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Speaker 1: see him, you're just like, uh, he's.

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Speaker 2: Six' five and it's, like that's what you want for

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Speaker 2: meeting him at your.

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Speaker 1: Reception, yeah so they're not small. Guys you, know my

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Speaker 1: husband's so slightly taller at sixty six and the twin

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Speaker 1: is six to, five a little bit. Stockier but, yeah,

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Speaker 1: honestly it just was just such a really great family fun.

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Speaker 1: Time everyone really enjoyed. Themselves AND i don't know if you,

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Speaker 1: remember But, saturday the weather was. Perfect it wasn't too

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Speaker 1: hot like the days we had, before it didn't, rain

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Speaker 1: it was just. Perfect so happy. Times they're happy to turn.

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Speaker 1: Forty i'm, like you, know you've, Grown you've grown grown,

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Speaker 1: Now so, yeah.

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Speaker 2: That's beautiful because it. Does, HONESTLY i think everyone just

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Speaker 2: wants something to. Celebrate. Yea so it's really nice that

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Speaker 2: you found a way to have an event because you,

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Speaker 2: know just giving people a reason to, gather as you,

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Speaker 2: know of, course like keeping safety in mind like you guys,

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Speaker 2: did but just giving people a reason to celebrate is.

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Speaker 2: Wonderful AND i think people's expectations are so. Low, yes,

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Speaker 2: anyway people.

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Speaker 1: Were so, excited, You, LIKE i haven't been out of

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Speaker 1: the house ince so. Long this is so. Nice now

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Speaker 1: that our backyard is all tricked, out we're going to

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Speaker 1: like host like a little mini grill and. Chills whe's

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Speaker 1: just like us like a friend or two because we

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Speaker 1: have a neighbor friend that lives around the corner Of

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Speaker 1: rihanna and her. Husband so we're, like we can host

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Speaker 1: grill and. Chills will you guys just come over and

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Speaker 1: we just grill and. Chill we're going to get a

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Speaker 1: PROJECTOR i already have a projector screen and have movie

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Speaker 1: nights with them around the, corner or buy my Friend,

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Speaker 1: linda so we have a little so.

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Speaker 2: Cute have you gotten closer to your neighbors In, quarantine

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Speaker 2: BECAUSE i definitely. HAVE i love my. Neighbors, yes they're

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Speaker 2: JUST i just feel LIKE i have such a nice

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Speaker 2: little support system here and it's been beautiful to build those.

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Speaker 2: Relationships and we've been having like one, couple you, know

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Speaker 2: because there's a few married, couples some, older some, younger

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Speaker 2: and we'll have them over once in a while just

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Speaker 2: TO i GUESS i didn't know what to call, it

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Speaker 2: BUT i guess we grilled Into.

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Speaker 1: Yeah i'm grilling, TOO i see. TRUE i feel like

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Speaker 1: people are getting closer to their friend, friends you, know

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Speaker 1: like so we'll have like one friend over or, too

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Speaker 1: and then just or like my, sister well my sister

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Speaker 1: and the kids always come, over but like even more so,

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Speaker 1: now like come. Eat so it's been nice to get

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Speaker 1: close to people who you normally would chill, with but

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Speaker 1: because you have ten thousand, options maybe you don't see

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Speaker 1: them as. Much so it was it's been it's been really.

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Speaker 1: Nice oh that's.

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Speaker 2: Lovely, yeah and this time of, year well you mentioned the.

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Speaker 2: Weather we were actually we took a little a, mini

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Speaker 2: a mini. Getaway we went to The, poconos which are

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Speaker 2: just a couple hours, away and we rented a little,

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Speaker 2: house like a little cabin and it was really. NICE

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Speaker 2: i mean it. Was it was nothing special at the.

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Speaker 2: TIME i THINK i booked this back In may When

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Speaker 2: airbnb was starting to take reservations, again AND i was,

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Speaker 2: LIKE i want somewhere isolated but, pretty where there's not

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Speaker 2: going to be a lot of activities because you, know

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Speaker 2: don't BELIEVE i figured nothing would be open. Anyway, yeah

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Speaker 2: and we rented this little cabin On airbnb and it

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Speaker 2: was really, cute very stylish and had like a nice

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Speaker 2: deck and outdoor grill and it was close to a

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Speaker 2: lake and we just we literally just hung out as a.

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Speaker 2: Family AND i didn't realize HOW i didn't realize how

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Speaker 2: LITTLE i see my husband and my baby at the same,

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Speaker 2: time because we spent so much time like passing him

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Speaker 2: from one to the other and being, like, babe is your, Turn, No,

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Speaker 2: babe is your? Turn, NO i did this, MORNING i

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Speaker 2: got the breakfast, note BUT i have this. Meeting you

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Speaker 2: need to take him right, now and just passing him

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Speaker 2: like a hot. Potato and then you, Know, husby whenever

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Speaker 2: he has a free, moment is constantly building something or

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Speaker 2: just there's power, tools or he's powerwashing, something or there's

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Speaker 2: just errands to be run and he's flying all over the.

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Speaker 2: Place SO i really like was kind of you, know

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Speaker 2: evil laughing and being, like got you right WHERE i want.

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Speaker 2: You nothing for you to, fix nothing for you to work.

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Speaker 2: On we're all just here trapped in this. Cabin and

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Speaker 2: we Took Mollie homeworld did not love the road. Trip

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Speaker 2: we had to drug her, heavily but, yeah she really

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Speaker 2: needed a. Vacation but it was really nice and we

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Speaker 2: talked about doing a trip in the fall, too trying

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Speaker 2: to go somewhere where we can see like the. Beautiful

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Speaker 2: we always talked about going to see going upstate when

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Speaker 2: the leaves, change like in Late september up, here and

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Speaker 2: so we talked about maybe Like vermont or The berkshire's

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Speaker 2: or something like, that just trying to do, something you,

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Speaker 2: know to get. Out and it was it was nice

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Speaker 2: and it wasn't too it wasn't too stressful of a.

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Speaker 2: TRIP i think that people are just crazy to think

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Speaker 2: that a year AGO i was In portugal on a

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Speaker 2: seventeen day baby moon.

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Speaker 1: FOR i, mean because it would have been went so far.

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Speaker 1: AWAY i feel like that's what we were going to.

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Speaker 1: PLAN i was, like, oh maybe they were going a,

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Speaker 1: trip but it was like, Obviously AND i feel like

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Speaker 1: to your, point like having these like, smaller like more

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Speaker 1: local lest. Trips people are really taking like road trips

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Speaker 1: now more than, ever and SO i just think, that,

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Speaker 1: yeah that's so that's my. Plan i'm trying to figure,

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Speaker 1: out Like i'll keep y'all for, Real and because where

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Speaker 1: can we? Go i'm, like, oh maybe we'll go To Rhode.

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Speaker 1: Island i'd love like historic. Homes or maybe you know

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Speaker 1: places that you can drive to in a day or.

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Speaker 1: So so definitely planning more of. Those and if you've

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Speaker 1: got little ones or just inter animals, Yourself uh, well

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Speaker 1: we're In, jersey but look to see if you have

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Speaker 1: a we have what is that called a May it's

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Speaker 1: that place Called Great. Adventures we have A Great Adventure

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Speaker 1: safari where you could drive through with your car and

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Speaker 1: see all the. Animals there's, like you, know lions and

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Speaker 1: tigers and, bears little oh, wait.

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Speaker 2: Really it's like it's like you're in your car and

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Speaker 2: you drive through the park and you see.

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Speaker 1: Animals, yeah and some of the animals are, like you,

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Speaker 1: know pretty. Close they used to let the monkeys get

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Speaker 1: on your car until the, monkeys you, know do what monkeys,

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Speaker 1: do which is destroy. Stuff so NOW i don't let

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Speaker 1: the monkeys. Do but it's really SO i can't. Wait

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Speaker 1: i'm gonna take a million roman to. SEE i was telling, them,

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Speaker 1: like you want to, see and so we were looking at.

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Speaker 1: PICTURES i always like the teacher and me always likes

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Speaker 1: to show kids ahead of time what we're goin to.

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Speaker 1: Sea so, yeah so that's something a friend of mine

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Speaker 1: did and she said her kids loved. It that was

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Speaker 1: really a lot of, fun, so you, know getting away and,

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Speaker 1: out but in the safe, space you, know so some

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Speaker 1: things that definitely feel like.

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Speaker 2: Wildlife sanctuaries if you have a LOCAL i feel like

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Speaker 2: every county has a wildlife sanctuary where they have like

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Speaker 2: goats or rabbits or, snakes like pet like kid friendly

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Speaker 2: animals that you can. See and Also i'm discovering like

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Speaker 2: random beaches along the because we're IN i don't know

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Speaker 2: where are We westchesterish and there's like little beaches In

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Speaker 2: connecticut and that aren't too far away or on The,

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Speaker 2: hudson like the river towns that we can go look.

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Speaker 2: AT i Think i'm Finally i'm In my head space is.

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Speaker 2: Right the places have always been, there but my head

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Speaker 2: space is, finally, like, okay one the baby is do

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Speaker 2: his hand LIKE i can handle him out and about

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Speaker 2: he's more. Predictable and ALSO i feel like mentally ready

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Speaker 2: to be, out BUT i. AM i still feel like

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Speaker 2: there's parts of the country where they're like way out

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Speaker 2: there and live in there lives and everything is, normal

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Speaker 2: AND i just it just, yeah it's very surreal to

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Speaker 2: me to see how different it is depending on excuse,

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Speaker 2: me depending on where you.

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Speaker 1: Live, yeah, huh this is going to be a very

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Speaker 1: interesting rest of the, Year i'll tell you that. Much.

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Speaker 2: Yeah, well we have a really special show for you guys.

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Speaker 2: Today we wanted to just shake things. Up shake things,

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Speaker 2: up y'all. Know when we have a guest, on it's

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Speaker 2: because they have a really compelling. Story we're very excited about,

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Speaker 2: them and we never disappoint. Y'ALL i like to think

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Speaker 2: we don't disappoint y'all when we have guests. On we

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Speaker 2: are really excited about today's. Guest we mentioned on a

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Speaker 2: couple of shows. Ago their names Are christina And aman

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Speaker 2: and they are. Everything if you do not follow them,

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Speaker 2: yet you must check out their YouTube channel first and.

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Speaker 2: Foremost it's Called Our Rich. Journey and while you're at,

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Speaker 2: it follow them On. Instagram they're also At Our Rich.

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Speaker 2: Journey So christina And, aman BECAUSE i have literally been

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Speaker 2: YouTube stocking them ever since they reached out AND i

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Speaker 2: discovered their YouTube, Channel i've watched dozens of their. Videos

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Speaker 2: how CAN i Describe christina And. Ammon they are from

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Speaker 2: The Bay. Area they are college. Sweethearts they managed to retire,

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Speaker 2: early quit their, jobs saved jillions of, DOLLARS i. Imagine

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Speaker 2: and they retired early and not did they just, Retire

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00:13:19,000 --> 00:13:21,440
Speaker 2: they didn't just retire early in THE. Us they retired

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Speaker 2: early and moved their entire. Family they have two tween,

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Speaker 2: girls moved To, portugal of all, places and they had

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00:13:27,720 --> 00:13:31,400
Speaker 2: been living there for about a, year and they they did.

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Speaker 2: It they are the fire couple of my. Dreams they're

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Speaker 2: the fire couple THAT i actually don't want to roll

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Speaker 2: my eyes at because it's they actually because you, know

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Speaker 2: tif we've talked about. Fire, yeah what is? Fired like

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Speaker 2: the and for those of you who don't, know fire

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Speaker 2: is the financial independence retire? Early can we call it

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Speaker 2: a movement? Track?

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Speaker 4: Yes?

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Speaker 2: Yeah what it IS i mean for Me and the

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Speaker 2: REASON i was a little Bit i've been a little

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Speaker 2: bit cynical about fire is it's usually a lot of

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Speaker 2: white guys used to, eat or they have like really

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00:14:01,400 --> 00:14:06,559
Speaker 2: crazy extreme methods of saving so that they can retire,

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00:14:06,600 --> 00:14:10,120
Speaker 2: early or they had, like you, know pretty cushy jobs

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00:14:10,160 --> 00:14:14,480
Speaker 2: before and were able to quote unquote save because they

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00:14:14,480 --> 00:14:17,319
Speaker 2: had pretty high, incomes and you, know you really didn't

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00:14:17,360 --> 00:14:19,480
Speaker 2: see very many people of. COLOR i think The New

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00:14:19,560 --> 00:14:21,520
Speaker 2: York times even ron an article that was the last

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00:14:21,520 --> 00:14:22,640
Speaker 2: time you AND i talked about, it there was an

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00:14:22,680 --> 00:14:24,960
Speaker 2: article in The times about how there's just a dearth

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Speaker 2: of black, families black, uh black voices in The fire.

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00:14:29,280 --> 00:14:32,520
Speaker 2: Movement so WHEN i when When christina reached out to,

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Speaker 2: US i was, like what are you just like this?

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Speaker 2: Unicorn what is? Happening?

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Speaker 1: Yes, Right and you, know it's so crazy goals because

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00:14:40,000 --> 00:14:42,080
Speaker 1: there's so many people LIKE i, told like folks on

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00:14:42,120 --> 00:14:44,720
Speaker 1: my team, like, oh they were like you should you

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00:14:44,720 --> 00:14:46,480
Speaker 1: should talk to our Rich Journey AND i was, like,

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00:14:46,480 --> 00:14:48,440
Speaker 1: wait they're gonna be on our podcast and my team was.

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00:14:48,640 --> 00:14:52,680
Speaker 1: Geeked so just know that they're out here making wyte

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00:14:52,720 --> 00:14:55,280
Speaker 1: because to your, point there's not much representation in that,

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Speaker 1: movement and people will, say, oh well if you were

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00:14:58,320 --> 00:14:59,720
Speaker 1: only it's, like, oh that would be nice if there

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00:14:59,760 --> 00:15:02,560
Speaker 1: was a wealth gap or a race, gap you, know

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00:15:02,800 --> 00:15:06,280
Speaker 1: or like a you, know it's just it's easier when

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00:15:06,640 --> 00:15:08,560
Speaker 1: we do the same job and you make twice as

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00:15:08,640 --> 00:15:10,480
Speaker 1: much as. Me so how cute is that that you're

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00:15:10,560 --> 00:15:13,000
Speaker 1: able to then save? More of course you. Are so

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00:15:13,360 --> 00:15:16,320
Speaker 1: it's you, know it's just a movement that sometimes is

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Speaker 1: a little tone death that not everyone is. Able it's

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Speaker 1: not that everyone's buying uber eats or getting uber eats every,

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Speaker 1: week why you, Know And i'm not saying there's people

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Speaker 1: shouldn't you, know follow the fire, movement but just sometimes

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00:15:29,280 --> 00:15:31,320
Speaker 1: there was there was a tone to the fire movement

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00:15:31,320 --> 00:15:34,680
Speaker 1: that people found offensive that as if if you want

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00:15:34,720 --> 00:15:37,080
Speaker 1: to do, it you, would it's it's you who doesn't

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00:15:37,080 --> 00:15:40,760
Speaker 1: want to do it without acknowledging there are literally obstacles

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00:15:40,800 --> 00:15:43,600
Speaker 1: in the way that make it ten times harder for certain.

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00:15:43,640 --> 00:15:45,520
Speaker 1: People and so that's why there was a little bit

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00:15:45,520 --> 00:15:48,680
Speaker 1: of like. Disgust there's like lean, fire though there's fat,

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Speaker 1: Fire so there's different types of like fire, movements but,

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Speaker 1: ULTIMATELY i, mean who doesn't not heard of? This so

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Speaker 1: there are people who are like they like to do fire.

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Speaker 1: Movement know they they'll eat, like you, know noodles their

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00:16:00,640 --> 00:16:03,360
Speaker 1: whole for ten years only to go be able to

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00:16:03,400 --> 00:16:05,920
Speaker 1: eat romen noodles for the next seventy, Years like don't

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00:16:05,920 --> 00:16:08,160
Speaker 1: nobody want in that? Life and then there's fat fire

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Speaker 1: where it's, like, Oh i'm not going to be super

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Speaker 1: super lean AND i want to actually enjoy a little.

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Speaker 1: Life so we can certainly ask them with like what

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00:16:15,040 --> 00:16:17,840
Speaker 1: do they consider themselves like, Fire Lean, Fire Fat fire

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00:16:18,760 --> 00:16:21,960
Speaker 1: has the movement embraced, them So i'm excited to talk.

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Speaker 1: Too It's aman correct And, Christina christina And.

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Speaker 2: Aman, yeah and WHAT i love most about them and

355
00:16:27,640 --> 00:16:29,640
Speaker 2: you guys will come back in a minute and have

356
00:16:29,720 --> 00:16:31,480
Speaker 2: our interview With christina and a. Mom BUT i have to,

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00:16:31,520 --> 00:16:34,800
Speaker 2: say for, me they're like the realistic fire. STORY i

358
00:16:34,840 --> 00:16:36,760
Speaker 2: don't know where that falls in between lean and, fat

359
00:16:36,840 --> 00:16:41,120
Speaker 2: but they they both had, decent you, know government. Jobs

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00:16:41,240 --> 00:16:43,520
Speaker 2: christina went to law. School she had her law. Degree

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00:16:43,560 --> 00:16:45,800
Speaker 2: they have two. GIRLS i think they're ten and, twelve

362
00:16:45,920 --> 00:16:48,560
Speaker 2: or maybe eleven and, THIRTEEN i, forget but they have.

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Speaker 2: KIDS i feel like they have proven that you can

364
00:16:51,760 --> 00:16:54,680
Speaker 2: retire early if you're willing. To not just WHAT i

365
00:16:54,720 --> 00:16:56,960
Speaker 2: love about, them they haven't just, sacrificed so they Haven't

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00:16:57,120 --> 00:16:59,280
Speaker 2: they of course they. SAVED i think they saved seventy

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00:16:59,280 --> 00:17:02,440
Speaker 2: percent of their, income but, well we'll ask them that

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00:17:02,480 --> 00:17:05,080
Speaker 2: when we talk to them. Later but they also found

369
00:17:05,080 --> 00:17:07,800
Speaker 2: ways to grow their. Money they didn't just focus on

370
00:17:07,880 --> 00:17:10,120
Speaker 2: scrimping and. Saving and we do get this question from

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00:17:10,119 --> 00:17:11,800
Speaker 2: OUR i feel like every once in a, While listener

372
00:17:11,840 --> 00:17:13,880
Speaker 2: will reach out to us and be, like, Listen i'm

373
00:17:13,880 --> 00:17:16,000
Speaker 2: paycheck to, Paycheck how CAN i start an? Investing how

374
00:17:16,000 --> 00:17:18,600
Speaker 2: CAN i start? Saving and it's really difficult to answer

375
00:17:18,600 --> 00:17:21,720
Speaker 2: that right to because often the response, is you need

376
00:17:21,760 --> 00:17:24,439
Speaker 2: to focus on building. Wealth you, know how can you

377
00:17:24,480 --> 00:17:27,440
Speaker 2: invest in yourself so that you can, achieve you, know

378
00:17:27,920 --> 00:17:30,480
Speaker 2: whether it's you, know getting a higher paying job or

379
00:17:30,520 --> 00:17:34,720
Speaker 2: finding additional sources of. Income christina And mon were, Scrappy

380
00:17:34,840 --> 00:17:38,560
Speaker 2: Like christina used to sell tooth fairy dust On etsy

381
00:17:38,720 --> 00:17:42,639
Speaker 2: to make extra. Money aman they used to also go

382
00:17:42,720 --> 00:17:45,679
Speaker 2: To ikea and get the reduced, price like kind of

383
00:17:45,680 --> 00:17:48,480
Speaker 2: slightly damaged furniture and they would fix it up and sell.

384
00:17:48,520 --> 00:17:51,520
Speaker 2: It they found all these wine crates in like a,

385
00:17:51,560 --> 00:17:54,399
Speaker 2: warehouse just hundreds of wine crates that someone was just

386
00:17:54,440 --> 00:17:56,159
Speaker 2: going to get rid, of and they took it and

387
00:17:56,200 --> 00:17:58,160
Speaker 2: they turned it into furniture and they sold it On

388
00:17:58,280 --> 00:18:01,720
Speaker 2: craigslist for mad money Or facebook. MARKETPLACE i. Forget, like

389
00:18:01,800 --> 00:18:05,399
Speaker 2: they are, scrappy and they were always looking for great

390
00:18:05,400 --> 00:18:09,639
Speaker 2: ways to make additional income and feed their. Investments and

391
00:18:10,080 --> 00:18:13,280
Speaker 2: they also are so knowledgeable and they are they are

392
00:18:13,400 --> 00:18:16,840
Speaker 2: proof that you do not need to Be you do

393
00:18:16,880 --> 00:18:18,600
Speaker 2: not need to be a financial, Whiz you do not

394
00:18:18,760 --> 00:18:21,000
Speaker 2: need to be you know you don't need to come

395
00:18:21,000 --> 00:18:25,920
Speaker 2: from a family of hedge fund managers or investment. Advisors literally,

396
00:18:26,200 --> 00:18:30,800
Speaker 2: books teaching yourself, online, learning doing it like getting in the.

397
00:18:30,800 --> 00:18:33,239
Speaker 2: Trenches that is how you know you can learn how

398
00:18:33,280 --> 00:18:35,919
Speaker 2: to build. Wealth and they are they're, really really. Inspiring

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00:18:36,400 --> 00:18:38,879
Speaker 2: So i'm very excited to introduce. Y'all if you're not

400
00:18:39,240 --> 00:18:42,119
Speaker 2: familiar with them, yet maybe you are To christina and

401
00:18:42,119 --> 00:19:23,560
Speaker 2: im on from Our Rich. Journey, Wow, wow the crowds all,

402
00:19:23,680 --> 00:19:26,400
Speaker 2: right ba, fan we are back as. Promised we are

403
00:19:26,480 --> 00:19:30,800
Speaker 2: joined today by the fabulous Our Rich, journey the brains

404
00:19:30,840 --> 00:19:34,600
Speaker 2: behind Our Rich, Journey christina And Amman. Browning welcome to the.

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00:19:34,640 --> 00:19:36,920
Speaker 3: Show, hey thanks for having.

406
00:19:37,000 --> 00:19:37,720
Speaker 1: Us, yeah thank.

407
00:19:37,760 --> 00:19:39,959
Speaker 4: You we have been looking forward to. This we were

408
00:19:40,000 --> 00:19:42,399
Speaker 4: so excited about this. Call so we are so glad

409
00:19:42,440 --> 00:19:43,240
Speaker 4: to be speaking with you.

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00:19:43,280 --> 00:19:46,159
Speaker 1: Guys now we're Geekd i'm, like, UGH i just know

411
00:19:46,240 --> 00:19:48,600
Speaker 1: our audience is going to love. You, Oh monty.

412
00:19:48,680 --> 00:19:50,760
Speaker 2: Too let me brag on y'all for a little bit

413
00:19:50,800 --> 00:19:54,000
Speaker 2: because your story is so inspirational AND i know that

414
00:19:54,080 --> 00:19:56,760
Speaker 2: our audience will love. You but as we, mentioned The

415
00:19:56,760 --> 00:19:59,720
Speaker 2: brownings come from The San Francisco bay. Area you, guys

416
00:19:59,800 --> 00:20:03,600
Speaker 2: bo worked for the federal government until your late. Thirties you,

417
00:20:03,640 --> 00:20:06,320
Speaker 2: decided let's just quit our. Jobs let's just. Retire. Now

418
00:20:06,359 --> 00:20:08,359
Speaker 2: how about? That with what a ten and a twelve

419
00:20:08,400 --> 00:20:08,879
Speaker 2: year old at the.

420
00:20:08,880 --> 00:20:12,639
Speaker 4: Time, yes, yeah, right so they're eleven and thirteen, now so,

421
00:20:12,760 --> 00:20:14,480
Speaker 4: yeah they were about ten and twelve at the.

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00:20:14,520 --> 00:20:16,719
Speaker 3: Time what better not only quit your?

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00:20:16,800 --> 00:20:17,000
Speaker 5: Job?

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00:20:17,880 --> 00:20:20,920
Speaker 2: Yeah very? Casually, well, NO i Mean i'm kind of

425
00:20:20,960 --> 00:20:23,080
Speaker 2: making it seem easier than it. Was you guys plan for.

426
00:20:23,160 --> 00:20:26,920
Speaker 2: This you joined The fire movement before you even knew

427
00:20:26,920 --> 00:20:28,080
Speaker 2: there was A fire? Movement is that?

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00:20:28,200 --> 00:20:28,360
Speaker 1: Right?

429
00:20:29,119 --> 00:20:30,879
Speaker 6: Oh that is totally. RIGHT i love how you said that.

430
00:20:30,920 --> 00:20:33,439
Speaker 4: Too it's like we didn't even really know what we

431
00:20:33,440 --> 00:20:35,520
Speaker 4: were doing as we were doing it in terms of

432
00:20:35,920 --> 00:20:39,159
Speaker 4: classifying it as a fire, movement because when we, started

433
00:20:39,200 --> 00:20:42,640
Speaker 4: it wasn't like this huge. Thing it's not a huge thing,

434
00:20:42,720 --> 00:20:45,680
Speaker 4: NOW i would, say but it's much bigger than when we.

435
00:20:45,760 --> 00:20:49,960
Speaker 4: Started so fire is really financial independence retiring. Early and

436
00:20:50,040 --> 00:20:53,320
Speaker 4: the concept is really that you save as much money

437
00:20:53,359 --> 00:20:55,240
Speaker 4: as you, can you make as much money as you,

438
00:20:55,280 --> 00:20:58,400
Speaker 4: can and then you invest that, money and then that

439
00:20:58,480 --> 00:21:01,480
Speaker 4: money will grow enough a point where you have enough

440
00:21:01,520 --> 00:21:05,159
Speaker 4: money that you can reach financial independence and retire and

441
00:21:05,200 --> 00:21:08,760
Speaker 4: never have to work. Again so that whole sort of

442
00:21:08,920 --> 00:21:12,280
Speaker 4: introduction to fire was we were sort of working on

443
00:21:12,359 --> 00:21:15,720
Speaker 4: it and doing all these things towards, fire but there

444
00:21:15,800 --> 00:21:18,119
Speaker 4: wasn't really we didn't know the name of it at

445
00:21:18,119 --> 00:21:18,760
Speaker 4: the time when we.

446
00:21:18,840 --> 00:21:22,360
Speaker 2: Started we'll talk ABOUT i, mean so take us back

447
00:21:22,359 --> 00:21:24,160
Speaker 2: to eight years. Ago was it eight or nine years

448
00:21:24,200 --> 00:21:26,800
Speaker 2: ago when y'all decided as a couple was? It was

449
00:21:26,800 --> 00:21:29,639
Speaker 2: it one big conversation where y'all where you were both, like,

450
00:21:29,680 --> 00:21:32,920
Speaker 2: hey we should retire? Early how? Soon eight? Years how's eight?

451
00:21:32,960 --> 00:21:34,720
Speaker 2: Years and then you put it, like how did? That

452
00:21:34,880 --> 00:21:36,480
Speaker 2: how does it work as a? Couple how do you

453
00:21:36,520 --> 00:21:40,160
Speaker 2: decide we are going to both strive for this? Goal

454
00:21:40,240 --> 00:21:42,639
Speaker 2: get on the same page and talk about the steps

455
00:21:42,680 --> 00:21:45,120
Speaker 2: that y'all took in your early thirties to be able

456
00:21:45,119 --> 00:21:48,920
Speaker 2: to retire before Forty, well you, know it.

457
00:21:48,920 --> 00:21:51,240
Speaker 3: Was a aha moment for me at. WORK i was

458
00:21:51,280 --> 00:21:54,719
Speaker 3: at work working for the federal, government AND i WAS

459
00:21:54,840 --> 00:21:57,080
Speaker 3: i was going through the motions every day in the rat,

460
00:21:57,160 --> 00:21:59,239
Speaker 3: race AND i was at work one day AND i

461
00:21:59,280 --> 00:22:01,679
Speaker 3: received an award for my length of service with the

462
00:22:01,680 --> 00:22:05,240
Speaker 3: federal government for ten. Years and at this awards, assembly

463
00:22:05,240 --> 00:22:08,080
Speaker 3: there was another federal employee that had gotten an award

464
00:22:08,160 --> 00:22:11,320
Speaker 3: for thirty years of. Service AND i just remember at this,

465
00:22:11,480 --> 00:22:16,080
Speaker 3: assembly my ten years was just. Insignificant they hurried me

466
00:22:16,119 --> 00:22:19,760
Speaker 3: off the. Stage it was. Nothing and at that, MOMENT

467
00:22:20,240 --> 00:22:22,879
Speaker 3: i realized THAT i didn't want to be here thirty

468
00:22:22,960 --> 00:22:26,080
Speaker 3: years just to get another piece of. Paper and SO

469
00:22:26,160 --> 00:22:29,199
Speaker 3: i went. HOME i had this conversation With, christina and you,

470
00:22:29,240 --> 00:22:32,080
Speaker 3: know there were so many things that we wanted to

471
00:22:32,119 --> 00:22:35,680
Speaker 3: do besides just spend the rest of our lives in our.

472
00:22:35,760 --> 00:22:38,680
Speaker 3: Cubicle and so we had this conversation and we didn't

473
00:22:38,720 --> 00:22:40,720
Speaker 3: really know how we were going to do. It you,

474
00:22:40,760 --> 00:22:43,680
Speaker 3: know we had it was just a. GOAL a goal

475
00:22:43,760 --> 00:22:46,280
Speaker 3: was to be able to develop enough passive, income either

476
00:22:46,320 --> 00:22:49,040
Speaker 3: with real estate or with the stock, market to be

477
00:22:49,040 --> 00:22:51,239
Speaker 3: able to quit our jobs and live off of. That

478
00:22:51,680 --> 00:22:53,880
Speaker 3: and so WHEN i went home and me And christina

479
00:22:53,920 --> 00:22:57,439
Speaker 3: had this, conversation What christina did is what she always.

480
00:22:57,520 --> 00:23:00,399
Speaker 3: Does she was like all in for she, said let's do.

481
00:23:00,440 --> 00:23:01,639
Speaker 3: It let's figure out a way to get it.

482
00:23:01,640 --> 00:23:04,000
Speaker 2: Done, well it's your. HEART i, mean my husband AND

483
00:23:04,040 --> 00:23:05,920
Speaker 2: i can't even ingred what to order on door. DASH

484
00:23:06,480 --> 00:23:10,439
Speaker 2: i mean that's like a two hour. Conversation, well NOW

485
00:23:10,640 --> 00:23:13,280
Speaker 2: i think y'all's, RELATIONSHIP i, mean it has to be so,

486
00:23:13,400 --> 00:23:16,199
Speaker 2: strong such a foundation of, trust AND i just and

487
00:23:16,280 --> 00:23:18,600
Speaker 2: it comes across for. Me in your YouTube channel and your,

488
00:23:18,680 --> 00:23:20,520
Speaker 2: videos you can really tell that y'all are all in

489
00:23:20,560 --> 00:23:23,560
Speaker 2: with each, other and that's that's beautiful to. SEE Tif

490
00:23:23,560 --> 00:23:24,399
Speaker 2: what do you want to ask?

491
00:23:24,760 --> 00:23:27,280
Speaker 1: NOW i just want to, know like what in YOUR i,

492
00:23:27,280 --> 00:23:30,120
Speaker 1: know so you have that initial, excitement but what were

493
00:23:30,160 --> 00:23:33,719
Speaker 1: there things that made you nervous about about this journey

494
00:23:33,760 --> 00:23:35,479
Speaker 1: that you were, like how were we going to handle these?

495
00:23:35,480 --> 00:23:37,199
Speaker 1: Things some Because i'm sure there are certain people who

496
00:23:37,240 --> 00:23:39,120
Speaker 1: are listening and they're, Like i'd love to retire, early

497
00:23:39,200 --> 00:23:42,560
Speaker 1: But i'm nervous about dot dot, Dot and how did

498
00:23:42,560 --> 00:23:43,200
Speaker 1: you handle those?

499
00:23:43,200 --> 00:23:45,399
Speaker 2: Things there was.

500
00:23:45,400 --> 00:23:47,679
Speaker 3: A, LIST i. THINK i think the biggest thing on

501
00:23:47,720 --> 00:23:49,800
Speaker 3: our list was the amount of money that it would

502
00:23:49,840 --> 00:23:52,520
Speaker 3: take to retire to do. It you, know we have

503
00:23:52,640 --> 00:23:55,160
Speaker 3: this thing called a fire, number and it's a number

504
00:23:55,160 --> 00:23:57,600
Speaker 3: that you calculate and it's based off of the amount

505
00:23:57,640 --> 00:24:00,639
Speaker 3: of money that you would need in an investment portfolio

506
00:24:00,680 --> 00:24:05,440
Speaker 3: in order to call yourself financially. Independent and just calculating

507
00:24:05,480 --> 00:24:08,280
Speaker 3: that number and seeing that number on, paper that was very,

508
00:24:08,359 --> 00:24:10,040
Speaker 3: Intimidating so that was one thing for.

509
00:24:10,119 --> 00:24:13,240
Speaker 6: Sure, yeah AND i think you know it's for, us

510
00:24:13,040 --> 00:24:14,240
Speaker 6: it's really.

511
00:24:13,960 --> 00:24:17,639
Speaker 4: Like when we have maybe these, challenges are we, Thinking,

512
00:24:17,720 --> 00:24:19,840
Speaker 4: okay how much is it going to take in order to?

513
00:24:19,880 --> 00:24:21,399
Speaker 4: Retire BECAUSE i think one of the things that man

514
00:24:21,480 --> 00:24:23,320
Speaker 4: forgot to say is when he came home and we

515
00:24:23,320 --> 00:24:25,760
Speaker 4: were talking about, it he, SAID i want to retire

516
00:24:25,800 --> 00:24:29,040
Speaker 4: Before i'm, Forty and so for, us it was, like,

517
00:24:29,119 --> 00:24:33,439
Speaker 4: wow that's not a huge amount of. Time so what

518
00:24:33,560 --> 00:24:35,760
Speaker 4: are the things that we need to do in order

519
00:24:35,840 --> 00:24:37,879
Speaker 4: to make that. Happen SO i think the challenge for

520
00:24:38,000 --> 00:24:39,560
Speaker 4: us too was at the, time LIKE i, said there

521
00:24:39,600 --> 00:24:43,080
Speaker 4: wasn't a lot of information out, there there wasn't a

522
00:24:43,359 --> 00:24:47,640
Speaker 4: lot of information in general in terms of how to pursue.

523
00:24:47,680 --> 00:24:52,040
Speaker 4: Fire And aman AND i also both came from backgrounds

524
00:24:52,080 --> 00:24:56,760
Speaker 4: where we didn't learn about investing or even saving, money

525
00:24:57,080 --> 00:24:59,919
Speaker 4: really making money extra? Money how do you go about doing?

526
00:25:00,119 --> 00:25:04,320
Speaker 4: That so we didn't have that type of background in

527
00:25:04,400 --> 00:25:07,400
Speaker 4: terms of learning how to really deal with our. Finances

528
00:25:07,400 --> 00:25:09,720
Speaker 4: so that was definitely a. STRUGGLE i, MEAN i think

529
00:25:09,760 --> 00:25:13,600
Speaker 4: part of it is really becoming comfortable in how do

530
00:25:13,640 --> 00:25:16,359
Speaker 4: you make these real estate? Transactions how do you make

531
00:25:16,400 --> 00:25:20,760
Speaker 4: these stock market investments and really becoming financially literate and

532
00:25:20,920 --> 00:25:23,359
Speaker 4: understanding how to try and grow our. Money SO i

533
00:25:23,400 --> 00:25:26,240
Speaker 4: think a lot of people when they're on The fire

534
00:25:26,440 --> 00:25:30,119
Speaker 4: journey that can be a struggle because it can seem

535
00:25:30,240 --> 00:25:32,320
Speaker 4: sort of. Overwhelming you have to make all this, money

536
00:25:32,359 --> 00:25:34,040
Speaker 4: and then you have to figure out how do you

537
00:25:34,080 --> 00:25:36,080
Speaker 4: grow your money because you can't just allow it to

538
00:25:36,119 --> 00:25:38,280
Speaker 4: sit in a savings. Account it's not going to. Happen

539
00:25:38,560 --> 00:25:40,840
Speaker 4: you're not going to get that type of money to retire.

540
00:25:40,880 --> 00:25:44,119
Speaker 4: Early so those were some of the challenges THAT i

541
00:25:44,119 --> 00:25:46,920
Speaker 4: guess the biggest challenges that we had when we were Pursuing.

542
00:25:46,960 --> 00:25:50,560
Speaker 2: Fire and you had so you're in your early. Thirties

543
00:25:50,600 --> 00:25:52,800
Speaker 2: you have two girls at the. Time they're, young, right.

544
00:25:53,480 --> 00:25:57,840
Speaker 4: Yes so they WERE i think around three and, five Probably.

545
00:25:58,119 --> 00:25:59,680
Speaker 2: Christie how didn't you just completed law?

546
00:25:59,680 --> 00:26:00,960
Speaker 1: School? YEAH i.

547
00:26:01,040 --> 00:26:02,800
Speaker 6: WAS i actually started law.

548
00:26:02,840 --> 00:26:05,800
Speaker 4: SCHOOL i went to law school AT, ucla and the

549
00:26:05,840 --> 00:26:09,199
Speaker 4: girls were down In la with, me And aman was

550
00:26:09,280 --> 00:26:11,680
Speaker 4: actually working at the, time but he was working In San,

551
00:26:11,680 --> 00:26:15,480
Speaker 4: francisco and so he was coming back and forth every.

552
00:26:15,520 --> 00:26:18,840
Speaker 4: WEEKEND i, MEAN i cannot even, imagine you, KNOW i

553
00:26:18,960 --> 00:26:21,359
Speaker 4: was there with the girls at law, school but every

554
00:26:21,400 --> 00:26:24,920
Speaker 4: single weekend a mon was driving down or flying down

555
00:26:25,000 --> 00:26:29,240
Speaker 4: From San francisco To la to be with us and support.

556
00:26:29,280 --> 00:26:31,280
Speaker 4: Us it's like he didn't even skip a. Beat and

557
00:26:31,359 --> 00:26:34,000
Speaker 4: so for, us, yeah that was part of the, journey

558
00:26:34,160 --> 00:26:37,159
Speaker 4: was really trying to manage to get in like two separate,

559
00:26:37,160 --> 00:26:41,679
Speaker 4: households managing little kids on this journey of, fire and

560
00:26:41,800 --> 00:26:44,320
Speaker 4: really trying to make everything work because at the same

561
00:26:44,359 --> 00:26:46,919
Speaker 4: time we're supposed to be saving money and making.

562
00:26:46,960 --> 00:26:48,960
Speaker 6: Money so, yeah that was another.

563
00:26:49,080 --> 00:26:52,119
Speaker 2: Challenge your thirties are like that, decade And i'm right

564
00:26:52,160 --> 00:26:53,679
Speaker 2: where you guys were eight years. Ago SO i am

565
00:26:53,720 --> 00:26:56,280
Speaker 2: listening with these big old. Years tell me what to,

566
00:26:56,359 --> 00:26:58,240
Speaker 2: do because this is a time in your life for

567
00:26:58,280 --> 00:27:00,920
Speaker 2: a year of responsibilities get. Bigger you have the, baby

568
00:27:01,000 --> 00:27:03,520
Speaker 2: you get the, house maybe you get a, dog you

569
00:27:03,560 --> 00:27:05,720
Speaker 2: get a you, know you move to the burbs or,

570
00:27:05,760 --> 00:27:08,760
Speaker 2: whatnot and you start TO i feel the pressure of it,

571
00:27:08,800 --> 00:27:12,360
Speaker 2: all you, know the pressure of providing for my, child creating.

572
00:27:12,400 --> 00:27:16,000
Speaker 2: Stability and WHAT i love about you guys is that you, said,

573
00:27:16,080 --> 00:27:18,520
Speaker 2: yeah we have. It i'm sure you guys had a decent,

574
00:27:18,560 --> 00:27:21,119
Speaker 2: LIFE i mean comfortable. Life you both had great. Careers

575
00:27:21,200 --> 00:27:23,600
Speaker 2: christina you went to law. School you also worked for

576
00:27:23,600 --> 00:27:26,680
Speaker 2: the federal, government but you chose to like even aim

577
00:27:26,760 --> 00:27:29,639
Speaker 2: higher at the time when you started to think about

578
00:27:29,640 --> 00:27:32,520
Speaker 2: retiring before, forty where were you at? Financially were you

579
00:27:32,680 --> 00:27:35,479
Speaker 2: just basic four WHEN k? Investors had you guys already

580
00:27:35,520 --> 00:27:38,280
Speaker 2: bought your, Properties had you had experience in the real

581
00:27:38,400 --> 00:27:41,520
Speaker 2: estate or did y'all start From, okay let's start getting

582
00:27:41,520 --> 00:27:43,480
Speaker 2: into real, estate BECAUSE i know that was a cornerstone

583
00:27:43,520 --> 00:27:46,640
Speaker 2: of your investing, strategy, Right, Yeah so you.

584
00:27:46,560 --> 00:27:49,919
Speaker 3: Know we were doing what most, people WELL i don't want

585
00:27:49,920 --> 00:27:52,399
Speaker 3: to see most. People we Were we had the fundamentals in,

586
00:27:52,440 --> 00:27:54,719
Speaker 3: place so we had an emergency fund and we were

587
00:27:54,720 --> 00:27:57,399
Speaker 3: putting away about ten to fifteen percent of our income

588
00:27:57,560 --> 00:28:01,720
Speaker 3: into our retirement. Accounts but a lot of the pressures

589
00:28:01,720 --> 00:28:05,199
Speaker 3: that you talked, About if we were, TO i guess

590
00:28:06,240 --> 00:28:09,120
Speaker 3: get deeper into some of those, pressures we would have,

591
00:28:09,160 --> 00:28:12,320
Speaker 3: failed victim to lifestyle. Creep and so what started to

592
00:28:12,359 --> 00:28:15,320
Speaker 3: happen to us in our thirties was that we had

593
00:28:15,359 --> 00:28:18,000
Speaker 3: to make a serious. Shift and it was good that

594
00:28:18,040 --> 00:28:20,639
Speaker 3: we had this, shift AND i had this moment at

595
00:28:20,680 --> 00:28:23,720
Speaker 3: work WHEN i, did because we were at that point

596
00:28:23,760 --> 00:28:25,280
Speaker 3: where we were going to be starting to make more.

597
00:28:25,359 --> 00:28:29,280
Speaker 3: MONEY a lot of these pressures we're going to start

598
00:28:29,280 --> 00:28:31,919
Speaker 3: to pop up with the kids and with our, friends

599
00:28:32,560 --> 00:28:34,919
Speaker 3: and you can really fall victim to those, things like

600
00:28:34,960 --> 00:28:37,919
Speaker 3: getting a bigger, house like driving a nicer. Car and

601
00:28:38,000 --> 00:28:42,280
Speaker 3: so for us at that, moment breaking loose of this

602
00:28:43,440 --> 00:28:46,640
Speaker 3: consumer culture and deciding to live in a smaller, house

603
00:28:46,920 --> 00:28:50,000
Speaker 3: to drive an older, car and then take whatever extra

604
00:28:50,040 --> 00:28:52,960
Speaker 3: money that we started to make and instead prioritize that

605
00:28:53,000 --> 00:28:57,200
Speaker 3: money into our. Investments it was definitely a crossroads for

606
00:28:57,320 --> 00:29:01,000
Speaker 3: us and we can definitely attribute our sixth to making that.

607
00:29:01,080 --> 00:29:03,800
Speaker 4: Shift, yeah AND i love how you, Say, mandy that

608
00:29:03,840 --> 00:29:05,600
Speaker 4: you know you're sort of at the stage that we

609
00:29:05,600 --> 00:29:08,840
Speaker 4: were eight years, ago, Right because if you're when you're

610
00:29:08,840 --> 00:29:12,480
Speaker 4: in your, thirties you start to notice that you're you're

611
00:29:13,200 --> 00:29:15,880
Speaker 4: maybe potentially making more, money. Right you may have more

612
00:29:15,920 --> 00:29:19,760
Speaker 4: responsibilities at your, job you may be starting a, family

613
00:29:19,840 --> 00:29:22,120
Speaker 4: you may be buying a. House all of these things

614
00:29:22,600 --> 00:29:24,800
Speaker 4: are sort of coming to. Fruition things that you may

615
00:29:24,800 --> 00:29:27,400
Speaker 4: have wanted in your, twenties you're starting to get more

616
00:29:27,400 --> 00:29:30,360
Speaker 4: and more of them in your. Thirties and so that

617
00:29:30,520 --> 00:29:33,200
Speaker 4: is one of the big THINGS i think for people

618
00:29:33,280 --> 00:29:38,720
Speaker 4: pursuing fire is really not getting attached to or not

619
00:29:38,920 --> 00:29:42,160
Speaker 4: falling down that whole of lifestyle creep as you start

620
00:29:42,160 --> 00:29:44,680
Speaker 4: to get more. Money it's not this concept, that, oh

621
00:29:44,680 --> 00:29:46,680
Speaker 4: you have more money so that you can spend more.

622
00:29:46,720 --> 00:29:48,800
Speaker 6: Money it's this idea that when.

623
00:29:48,680 --> 00:29:52,040
Speaker 4: You're making this more, money you were able to live

624
00:29:52,280 --> 00:29:54,880
Speaker 4: off of less money. Before when you make more, money

625
00:29:54,880 --> 00:29:56,560
Speaker 4: it doesn't mean that you have to spend more. Money

626
00:29:56,640 --> 00:29:59,080
Speaker 4: the idea is that you can save that money and

627
00:29:59,080 --> 00:30:01,920
Speaker 4: then invest that, money and then that is starting to

628
00:30:02,000 --> 00:30:04,959
Speaker 4: grow during your fire. Journey and you don't even have

629
00:30:05,040 --> 00:30:07,040
Speaker 4: to have the goal of retiring. Early it could just

630
00:30:07,080 --> 00:30:09,680
Speaker 4: be that you want to be financially independent so that

631
00:30:09,760 --> 00:30:11,720
Speaker 4: when you get older money is not.

632
00:30:11,680 --> 00:30:12,520
Speaker 6: Going to be an issue for.

633
00:30:12,560 --> 00:30:15,080
Speaker 4: You you can do whatever type of job makes you,

634
00:30:15,160 --> 00:30:17,080
Speaker 4: happy and you don't have to, THINK i can't have

635
00:30:17,120 --> 00:30:19,000
Speaker 4: this job Because i'm not going to make enough money

636
00:30:19,080 --> 00:30:22,640
Speaker 4: to you, know pay all the bills for my family

637
00:30:22,760 --> 00:30:25,040
Speaker 4: and things like. That so if you have this idea

638
00:30:25,080 --> 00:30:28,400
Speaker 4: when you're in the thirties of not falling down that

639
00:30:28,520 --> 00:30:32,360
Speaker 4: path of lifestyle, creep then you're way ahead of the

640
00:30:32,360 --> 00:30:33,880
Speaker 4: game in terms of where other people.

641
00:30:33,920 --> 00:30:36,000
Speaker 2: Are, YEAH i just got to get my husband on

642
00:30:36,000 --> 00:30:36,320
Speaker 2: board with.

643
00:30:36,360 --> 00:30:38,840
Speaker 1: That so there's An african proverb that my dad would

644
00:30:38,840 --> 00:30:41,720
Speaker 1: say that you cut your coat according to your. Size you,

645
00:30:41,760 --> 00:30:44,320
Speaker 1: know that's so many people they're, like, Oh i'm, bigger

646
00:30:44,320 --> 00:30:46,560
Speaker 1: NOW i need a bigger, coat or Like i'm or

647
00:30:46,720 --> 00:30:48,960
Speaker 1: they you know WHAT i. Mean you keep increasing and

648
00:30:49,000 --> 00:30:51,760
Speaker 1: so it just you're keeping the pace of the, increase

649
00:30:51,880 --> 00:30:54,880
Speaker 1: not realizing like DO i really need to continue to?

650
00:30:55,240 --> 00:30:57,680
Speaker 1: INCREASE i, Mean i'm a, cheapo SO i was like

651
00:30:57,800 --> 00:31:02,200
Speaker 1: living my cheapest life WHEN i was. THIRTY i lost

652
00:31:02,200 --> 00:31:04,840
Speaker 1: my job. Then but one THING i really want to,

653
00:31:04,840 --> 00:31:07,200
Speaker 1: know because this is something THAT i struggled with WHEN

654
00:31:07,240 --> 00:31:09,360
Speaker 1: i was in my early thirties AND i was starting my,

655
00:31:09,440 --> 00:31:12,560
Speaker 1: business is, like what do you do for? Insurance because,

656
00:31:12,560 --> 00:31:16,400
Speaker 1: honestly back then my insurance was, yoga water and. Prayer

657
00:31:16,760 --> 00:31:18,920
Speaker 1: so what do you do for? Insurance what do you

658
00:31:18,960 --> 00:31:21,200
Speaker 1: do for? Insurance was it in that?

659
00:31:21,320 --> 00:31:25,960
Speaker 6: Order Tiffany? FIRST i think you know that is one

660
00:31:25,960 --> 00:31:26,640
Speaker 6: of the big things.

661
00:31:26,680 --> 00:31:31,360
Speaker 4: Too you, know when you are accumulating more, things you

662
00:31:31,480 --> 00:31:34,680
Speaker 4: have to understand that you need insurance in place to

663
00:31:34,720 --> 00:31:38,720
Speaker 4: protect those. Things you know that you do not want

664
00:31:38,720 --> 00:31:41,840
Speaker 4: to be in a worst case scenario where something happens

665
00:31:41,840 --> 00:31:43,680
Speaker 4: and you're not. Insurance it could be your, house it

666
00:31:43,680 --> 00:31:46,120
Speaker 4: could be health, insurance it could be car, insurance it

667
00:31:46,120 --> 00:31:48,800
Speaker 4: could be any of. These you, know for, You, tiffany

668
00:31:48,800 --> 00:31:51,280
Speaker 4: if you're starting a business having business insurance when when

669
00:31:51,320 --> 00:31:51,760
Speaker 4: you were in your.

670
00:31:51,800 --> 00:31:55,920
Speaker 6: Thirties but the idea is that insurance is supposed.

671
00:31:55,480 --> 00:31:59,680
Speaker 4: To prevent you from losing all of your, assets because

672
00:32:00,280 --> 00:32:05,120
Speaker 4: how terrible would it be while you're gaining more, money

673
00:32:05,400 --> 00:32:09,560
Speaker 4: you have more, assets and something happens and you're not properly.

674
00:32:09,080 --> 00:32:10,960
Speaker 6: Insured and then you can lose.

675
00:32:11,120 --> 00:32:16,120
Speaker 4: Everything like right before we fired a, mon we were

676
00:32:16,120 --> 00:32:21,320
Speaker 4: in The states And amn got just this, horrible horrible food.

677
00:32:21,320 --> 00:32:23,200
Speaker 4: Poisoning And i'm not just saying like he was throwing,

678
00:32:23,280 --> 00:32:25,880
Speaker 4: up he didn't feel. Well he was hospitalized for a.

679
00:32:25,960 --> 00:32:29,320
Speaker 4: Week it Was it was. Awful it was really. BAD i,

680
00:32:29,320 --> 00:32:31,360
Speaker 4: MEAN i don't even want to go to how bad it.

681
00:32:31,480 --> 00:32:35,920
Speaker 4: Was but it was worst case. Scenario and thank god

682
00:32:36,000 --> 00:32:40,400
Speaker 4: we were insured because the hospital bill was. Insane it

683
00:32:40,400 --> 00:32:42,760
Speaker 4: was an insane amount of, money and then we still

684
00:32:42,760 --> 00:32:45,040
Speaker 4: had to pay our portion of. It but if we

685
00:32:45,120 --> 00:32:47,880
Speaker 4: had not been, insured and this was right before we

686
00:32:47,880 --> 00:32:50,320
Speaker 4: were firing, too if we would not have been, insured

687
00:32:51,400 --> 00:32:54,719
Speaker 4: there would have been a huge impact on our. Wealth

688
00:32:54,960 --> 00:32:57,360
Speaker 4: and SO i think you know a lot of people

689
00:32:57,840 --> 00:33:00,880
Speaker 4: when they're, younger they want to hope for the. Best

690
00:33:00,920 --> 00:33:03,040
Speaker 4: they think they're. Healthy you, know they don't need to

691
00:33:03,040 --> 00:33:05,880
Speaker 4: be insured because nothing's going to. Happen but even, HERE

692
00:33:05,960 --> 00:33:09,000
Speaker 4: covid is a great example of things that can happen

693
00:33:09,040 --> 00:33:11,640
Speaker 4: that are, unpredictable and so you have to make sure

694
00:33:11,640 --> 00:33:12,240
Speaker 4: you're properly.

695
00:33:12,280 --> 00:33:15,520
Speaker 2: Insured have we mentioned the fact that y'all live In portugal?

696
00:33:15,600 --> 00:33:18,200
Speaker 2: Yet can we just reiterate that at y'all didn't just

697
00:33:18,360 --> 00:33:21,160
Speaker 2: quit your jobs and you, know kick back in THE.

698
00:33:21,280 --> 00:33:24,160
Speaker 2: Us you were, like, no let's take on a whole new, Country.

699
00:33:24,200 --> 00:33:26,920
Speaker 2: Portugal talk to me about especially when it comes to.

700
00:33:26,960 --> 00:33:30,000
Speaker 2: Healthcare i've watched this video already on your YouTube. Channel

701
00:33:30,040 --> 00:33:31,920
Speaker 2: i've watched them, all So i'm just trying to pretend

702
00:33:31,920 --> 00:33:33,560
Speaker 2: LIKE i haven't been stocking y'all for the past three.

703
00:33:33,600 --> 00:33:36,080
Speaker 2: Weeks but, anyway talk about the cost of health care

704
00:33:36,080 --> 00:33:38,800
Speaker 2: In portugal and do you think that you could like

705
00:33:39,040 --> 00:33:42,160
Speaker 2: Was portugal the key element of why you were able

706
00:33:42,200 --> 00:33:44,400
Speaker 2: to retire early because of the lower cost of. LIVING

707
00:33:44,400 --> 00:33:45,960
Speaker 2: i don't even know if there is a lower cost of.

708
00:33:45,960 --> 00:33:48,200
Speaker 2: Living but do you think you would have been able

709
00:33:48,240 --> 00:33:50,280
Speaker 2: to retire early in THE us or do you decide

710
00:33:50,320 --> 00:33:53,640
Speaker 2: to go out of the country for those financial? Reasons and,

711
00:33:53,720 --> 00:33:56,680
Speaker 2: yeah To tiffany's question about health care, costs how are

712
00:33:56,720 --> 00:33:58,480
Speaker 2: you guys covering your health care while In?

713
00:33:59,080 --> 00:34:02,240
Speaker 3: Lisbon, yeah So i'll go back to kind of when

714
00:34:02,280 --> 00:34:06,120
Speaker 3: we were first calculating our financial independence, number we based

715
00:34:06,120 --> 00:34:09,440
Speaker 3: it off of the location that we planned on retiring.

716
00:34:09,440 --> 00:34:13,319
Speaker 3: In and when we did that, calculation we had identified

717
00:34:13,400 --> 00:34:16,560
Speaker 3: a couple of different numbers based off of different areas

718
00:34:16,600 --> 00:34:18,799
Speaker 3: in the world that we were interested, in but we

719
00:34:18,880 --> 00:34:21,320
Speaker 3: had one big number that was based off of retiring

720
00:34:21,360 --> 00:34:24,160
Speaker 3: in The San Francisco bay area because that's our hometown

721
00:34:24,640 --> 00:34:26,840
Speaker 3: and we know that our children may eventually want to

722
00:34:26,880 --> 00:34:29,360
Speaker 3: go back to THE, us and so we wanted to

723
00:34:29,360 --> 00:34:32,319
Speaker 3: base our number off of the highest, number and as

724
00:34:32,360 --> 00:34:35,239
Speaker 3: a part of that number definitely included. Healthcare AND i

725
00:34:35,320 --> 00:34:38,600
Speaker 3: remember looking at healthcare, plans and that's one of the

726
00:34:38,600 --> 00:34:42,000
Speaker 3: things THAT i think holds people back from leaving their,

727
00:34:42,920 --> 00:34:47,759
Speaker 3: jobs especially government, employees is the good. Healthcare and so for,

728
00:34:47,920 --> 00:34:51,480
Speaker 3: us we had to break from those golden handcuffs by

729
00:34:52,080 --> 00:34:56,600
Speaker 3: including the cost of healthcare in THE us and our fire,

730
00:34:56,719 --> 00:35:01,719
Speaker 3: number and so we did. That but while we were

731
00:35:01,760 --> 00:35:04,520
Speaker 3: on our, journey we stayed the, course even though we

732
00:35:04,560 --> 00:35:06,319
Speaker 3: could have left a lot earlier and moved to a

733
00:35:06,360 --> 00:35:08,920
Speaker 3: lower cost of living. Area we met Our San Francisco

734
00:35:09,000 --> 00:35:12,000
Speaker 3: Bay area. Number but in the, end we, Chose we Chose.

735
00:35:12,080 --> 00:35:14,879
Speaker 3: Lisbon and it has been a pleasant surprise as far

736
00:35:14,880 --> 00:35:18,640
Speaker 3: as the cost of healthcare because for our family of

737
00:35:18,680 --> 00:35:22,080
Speaker 3: four hour health care is less than two thousand dollars a.

738
00:35:22,160 --> 00:35:27,000
Speaker 3: YEAR a, year, yes isn't that? Crazy In california it

739
00:35:27,000 --> 00:35:30,040
Speaker 3: would have been a, month, right like.

740
00:35:30,239 --> 00:35:32,120
Speaker 1: A you know.

741
00:35:32,200 --> 00:35:34,719
Speaker 6: Families, yeah, hey let me tell you this. Though it's

742
00:35:34,760 --> 00:35:37,560
Speaker 6: like we have been to the hospitals here already.

743
00:35:37,600 --> 00:35:40,920
Speaker 4: Too it's like we've gone for the girls have, asthma

744
00:35:41,000 --> 00:35:43,120
Speaker 4: so they've had the minor asthma things that we have

745
00:35:43,160 --> 00:35:46,440
Speaker 4: to go get treated at the. Hospital we've even had dental.

746
00:35:46,480 --> 00:35:48,120
Speaker 4: Work actually a mon was at the dentist.

747
00:35:48,160 --> 00:35:51,120
Speaker 6: Earlier. Today sanoah has, braces BUT i.

748
00:35:51,160 --> 00:35:52,279
Speaker 3: Might get me some braces just.

749
00:35:52,320 --> 00:35:59,480
Speaker 4: Because but you, know we have had such an incredible

750
00:35:59,520 --> 00:36:02,160
Speaker 4: experience with the healthcare. HERE i mean there's, nothing we

751
00:36:02,200 --> 00:36:04,719
Speaker 4: don't have any language barriers when we go to speak

752
00:36:04,800 --> 00:36:07,880
Speaker 4: to the, doctors to the, nurses to the. Staff everything

753
00:36:07,960 --> 00:36:10,120
Speaker 4: is so, smooth and we just show them our card

754
00:36:10,200 --> 00:36:14,160
Speaker 4: and sometimes we have a very small copay and other times.

755
00:36:13,880 --> 00:36:15,480
Speaker 6: It's, like, oh we don't have anything at. All it's

756
00:36:15,520 --> 00:36:18,000
Speaker 6: just you walk in and you walk. Out it is so.

757
00:36:18,360 --> 00:36:24,760
Speaker 5: Simple, yes, Wow i'm not gonna, like my husband works

758
00:36:24,760 --> 00:36:27,520
Speaker 5: for The, Mandy your husband works for the, city, right

759
00:36:27,560 --> 00:36:31,160
Speaker 5: and so does, mine and that insurance.

760
00:36:30,680 --> 00:36:32,040
Speaker 2: For the federal. Government.

761
00:36:32,120 --> 00:36:34,799
Speaker 1: Yeah, so and my husband works for the. State, well

762
00:36:35,200 --> 00:36:37,400
Speaker 1: he works for the, city but his pension and everything

763
00:36:37,440 --> 00:36:40,439
Speaker 1: is through his. State and that's been the thing that's

764
00:36:40,440 --> 00:36:44,239
Speaker 1: been like holding like a pensionssarily us because, yes well

765
00:36:44,239 --> 00:36:46,480
Speaker 1: it's not the pension, honestly BECAUSE i could get, like you,

766
00:36:46,520 --> 00:36:48,920
Speaker 1: know we make more than enough THAT i. Would i'm

767
00:36:48,960 --> 00:36:51,560
Speaker 1: not worried about that the pension. Payout it's more so

768
00:36:51,920 --> 00:36:55,439
Speaker 1: his insurance is so, amazing especially in The United, states

769
00:36:55,520 --> 00:36:58,120
Speaker 1: especially in The East, coast BECAUSE i live In jersey

770
00:36:58,239 --> 00:37:01,279
Speaker 1: and it's, like, eh he would love to leave any day,

771
00:37:01,280 --> 00:37:03,439
Speaker 1: now but he's got about five more. Years and it's

772
00:37:03,520 --> 00:37:06,759
Speaker 1: like the cost of health insurance The United, states it's

773
00:37:06,760 --> 00:37:09,080
Speaker 1: so much so that it's like, bruh when need to

774
00:37:09,080 --> 00:37:10,480
Speaker 1: take that with, us because you could take it with.

775
00:37:10,560 --> 00:37:13,480
Speaker 1: You SO i totally get. It and, yeah but you,

776
00:37:13,520 --> 00:37:15,400
Speaker 1: KNOW i DON'T i wouldn't mind moving To, portugal BUT

777
00:37:15,440 --> 00:37:16,400
Speaker 1: i know he wouldn't want to do.

778
00:37:16,440 --> 00:37:19,560
Speaker 4: That but, YEAH i know so many people have seen

779
00:37:19,600 --> 00:37:23,479
Speaker 4: our channel and we have videos On portugal now and.

780
00:37:23,400 --> 00:37:25,239
Speaker 6: Everyone's, LIKE i never even thought About.

781
00:37:25,239 --> 00:37:27,680
Speaker 4: Portugal Now portugal is at the top of my list

782
00:37:27,719 --> 00:37:31,000
Speaker 4: and we're, like, Man portugal is. Amazing it's like this

783
00:37:31,160 --> 00:37:34,160
Speaker 4: hidden secret and it's not so hidden. ANYMORE i think

784
00:37:34,200 --> 00:37:36,000
Speaker 4: more and more people are finding out about.

785
00:37:36,040 --> 00:37:41,480
Speaker 6: It but JUST i, mean the healthcare alone is something

786
00:37:41,520 --> 00:37:42,959
Speaker 6: to think about because.

787
00:37:43,120 --> 00:37:46,680
Speaker 4: Just moving here and having the lifestyle or the pace

788
00:37:46,760 --> 00:37:47,480
Speaker 4: that they have.

789
00:37:47,440 --> 00:37:49,600
Speaker 6: Here In, portugal it's just.

790
00:37:49,680 --> 00:37:52,960
Speaker 2: Amazing, well talk to me about the key for me

791
00:37:53,080 --> 00:37:56,000
Speaker 2: IS i mean. Healthcare and it's fascinating to hear what

792
00:37:56,080 --> 00:37:58,319
Speaker 2: you guys are spending on healthcare In portugal versus THE.

793
00:37:58,400 --> 00:38:01,080
Speaker 2: Us but let's go back again into the early. Days

794
00:38:01,200 --> 00:38:03,960
Speaker 2: what were some of the and so when you described

795
00:38:03,960 --> 00:38:05,759
Speaker 2: how y'all were saving back, THEN i think that really

796
00:38:05,760 --> 00:38:08,520
Speaker 2: resonates with me because that's WHAT i had been doing

797
00:38:08,560 --> 00:38:10,760
Speaker 2: since in my early, twenties saving that ten to fifteen

798
00:38:10,760 --> 00:38:12,680
Speaker 2: percent and my four oh one k and feeling very

799
00:38:12,680 --> 00:38:15,520
Speaker 2: smart about. It but what was the first step y'all

800
00:38:15,560 --> 00:38:18,120
Speaker 2: took to ratchet up your? Investments how did you start?

801
00:38:18,120 --> 00:38:21,080
Speaker 2: Investing did you just max out your four one? Ks

802
00:38:21,400 --> 00:38:23,399
Speaker 2: when you max them? Out where did you go from?

803
00:38:23,400 --> 00:38:25,879
Speaker 2: There can you walk us through like laddering up your

804
00:38:25,920 --> 00:38:29,000
Speaker 2: investments and build and really what it took to build

805
00:38:29,000 --> 00:38:30,520
Speaker 2: and grow your wealth in your? Thirties?

806
00:38:30,960 --> 00:38:36,080
Speaker 3: Oh? Certainly, so you, know it started with having our

807
00:38:36,160 --> 00:38:39,160
Speaker 3: fire number in, place and then so with that, number

808
00:38:39,280 --> 00:38:41,680
Speaker 3: we were able to kind of figure out what we

809
00:38:41,719 --> 00:38:46,000
Speaker 3: needed to get to as far as a savings rate

810
00:38:46,040 --> 00:38:47,840
Speaker 3: in order to retire in ten years based off of

811
00:38:47,840 --> 00:38:51,120
Speaker 3: the returns in the market or our returns in real.

812
00:38:51,239 --> 00:38:55,200
Speaker 3: Estate so with that number in, mind we just tried

813
00:38:55,239 --> 00:38:59,000
Speaker 3: to get our savings rate, up And i'll say that

814
00:38:59,080 --> 00:39:01,840
Speaker 3: our savings rate by the end was as high as seventy.

815
00:39:01,880 --> 00:39:05,560
Speaker 3: Percent so we went from saving ten to fifteen all

816
00:39:05,560 --> 00:39:08,040
Speaker 3: the way up to seventy. Percent but we didn't do it.

817
00:39:08,080 --> 00:39:11,839
Speaker 3: Overnight we just got one percent better as much as

818
00:39:11,840 --> 00:39:14,520
Speaker 3: we could and as soon as we. Could, so you,

819
00:39:14,560 --> 00:39:18,040
Speaker 3: know if we just were able to lower our bills

820
00:39:18,120 --> 00:39:22,080
Speaker 3: and increase our, salary and then that gap grew our savings.

821
00:39:22,160 --> 00:39:25,640
Speaker 3: Rate and so with that additional money that we were

822
00:39:25,840 --> 00:39:30,000
Speaker 3: saving and, making we were prioritizing our. Investments and we

823
00:39:30,480 --> 00:39:34,160
Speaker 3: have something called a pay yourself first, budget but it's

824
00:39:34,200 --> 00:39:38,319
Speaker 3: really heavy on paying yourself into your investment. Accounts and

825
00:39:38,400 --> 00:39:42,279
Speaker 3: so we started with our tax advantage accounts first and

826
00:39:42,360 --> 00:39:44,920
Speaker 3: putting as much money into those accounts because those are

827
00:39:44,960 --> 00:39:49,640
Speaker 3: the real accounts that you can really see wealth growth

828
00:39:49,640 --> 00:39:53,120
Speaker 3: in because of all the tax incentives and tax. Advantages

829
00:39:53,440 --> 00:39:55,960
Speaker 3: and so that was a big, priority was maxing out

830
00:39:56,000 --> 00:39:56,800
Speaker 3: our tax advantage.

831
00:39:56,800 --> 00:39:59,640
Speaker 2: Accounts you're talk saying about your four oh ONE. K

832
00:40:00,440 --> 00:40:03,760
Speaker 2: i know you guys use AN, hsa what a tax advantaged,

833
00:40:03,760 --> 00:40:05,880
Speaker 2: Accounts so we.

834
00:40:05,400 --> 00:40:09,880
Speaker 3: We talked about the basically the four accounts that we

835
00:40:09,960 --> 00:40:13,080
Speaker 3: called the four pillars of fire for us was the

836
00:40:13,120 --> 00:40:16,120
Speaker 3: four oh ONE, k THE, hsa and the ROTH. Ira

837
00:40:16,640 --> 00:40:20,440
Speaker 3: so maxing those out at a minimum was was really

838
00:40:20,480 --> 00:40:23,400
Speaker 3: big for. Us and then after that we moved to

839
00:40:24,960 --> 00:40:29,600
Speaker 3: basically a regular brokerage, account so just investing In vanguard

840
00:40:29,640 --> 00:40:34,160
Speaker 3: and investing in low cost ETFs and index. Funds at

841
00:40:34,200 --> 00:40:37,759
Speaker 3: the same time that we were also investing in the stock.

842
00:40:37,840 --> 00:40:40,719
Speaker 3: Market we had read all of these books on real

843
00:40:40,800 --> 00:40:43,440
Speaker 3: estate investing and really type people to read something and

844
00:40:43,480 --> 00:40:45,640
Speaker 3: then to take action with. It so we had gotten

845
00:40:45,680 --> 00:40:48,000
Speaker 3: all the real estate concepts down as much as we

846
00:40:48,000 --> 00:40:49,799
Speaker 3: were going to get them, down and then we went to.

847
00:40:49,920 --> 00:40:53,080
Speaker 3: Work so we took an fah a loan and we

848
00:40:53,160 --> 00:40:55,520
Speaker 3: bought our first house in The San fransco b area

849
00:40:55,560 --> 00:40:57,680
Speaker 3: with three percent down and it was it was a

850
00:40:57,719 --> 00:40:59,560
Speaker 3: it was a fixer, upper and we did something called

851
00:40:59,600 --> 00:41:02,279
Speaker 3: a live flip where we lived in the, house fixed it,

852
00:41:02,360 --> 00:41:04,600
Speaker 3: up got equity in that, home and then use that

853
00:41:04,680 --> 00:41:08,439
Speaker 3: equity to buy other. Properties and with AN faha, loan

854
00:41:09,080 --> 00:41:11,399
Speaker 3: that's the that's the best way for someone to get

855
00:41:11,400 --> 00:41:13,960
Speaker 3: started in real estate is doing something like a live

856
00:41:14,000 --> 00:41:16,200
Speaker 3: and flip because after you've lived in that home for three,

857
00:41:16,239 --> 00:41:19,880
Speaker 3: years you can sell that home and keep one hundred

858
00:41:19,920 --> 00:41:22,960
Speaker 3: percent of your profits up to a certain amount depending

859
00:41:22,960 --> 00:41:25,320
Speaker 3: on if you're married or. Single and so that was

860
00:41:25,520 --> 00:41:27,040
Speaker 3: that was a big game changer for us as.

861
00:41:27,080 --> 00:41:30,000
Speaker 4: Well SO i, think, really you, know there's there's different

862
00:41:30,040 --> 00:41:33,600
Speaker 4: ways that you can reach financial independence or financial independence

863
00:41:33,640 --> 00:41:36,839
Speaker 4: and retire. Early so you could do it through investing

864
00:41:37,040 --> 00:41:39,600
Speaker 4: in the stock. Market so in the stock, market you,

865
00:41:39,600 --> 00:41:43,680
Speaker 4: know if that is someone's, plan then they absolutely want

866
00:41:43,719 --> 00:41:46,880
Speaker 4: to make sure that they're maxing out their tax advantage accounts,

867
00:41:46,920 --> 00:41:49,719
Speaker 4: first because then you're protecting more of your money from

868
00:41:49,760 --> 00:41:52,400
Speaker 4: it being taken away by, taxes and by protecting it

869
00:41:52,440 --> 00:41:53,359
Speaker 4: more then you can.

870
00:41:53,280 --> 00:41:54,000
Speaker 6: Allow it to grow.

871
00:41:54,080 --> 00:41:56,279
Speaker 4: More so the idea, though is that you have to

872
00:41:56,320 --> 00:41:58,440
Speaker 4: max out that, account but you have to go beyond.

873
00:41:58,480 --> 00:42:01,080
Speaker 4: That so once you max out your teach advantage, accounts

874
00:42:01,280 --> 00:42:03,400
Speaker 4: then the idea is that you open up a traditional

875
00:42:03,440 --> 00:42:06,399
Speaker 4: brokerage account and you start throwing money that there as.

876
00:42:06,440 --> 00:42:09,640
Speaker 4: Well so there's one way to reach financial. Independence but

877
00:42:09,680 --> 00:42:12,120
Speaker 4: then the other way is also through real. Estate if

878
00:42:12,120 --> 00:42:15,920
Speaker 4: you want to start investing in real estate and putting

879
00:42:15,920 --> 00:42:21,840
Speaker 4: money into different real estate real estate properties and creating

880
00:42:21,880 --> 00:42:24,960
Speaker 4: rentals and creating rental, income that is another. Way or

881
00:42:25,000 --> 00:42:27,080
Speaker 4: you can just invest in real estate and do like

882
00:42:27,080 --> 00:42:29,880
Speaker 4: what a mon sat, is basically flipping the properties and

883
00:42:29,920 --> 00:42:32,960
Speaker 4: then eventually selling them and taking the profit from. That

884
00:42:33,360 --> 00:42:35,839
Speaker 4: or you can do a combination of real estate and

885
00:42:36,200 --> 00:42:39,239
Speaker 4: investing in the stock. Market but it all comes down

886
00:42:39,320 --> 00:42:43,120
Speaker 4: really to these fundamental. Pieces when you're pursuing, fire is

887
00:42:43,160 --> 00:42:45,440
Speaker 4: that the idea is that somehow you.

888
00:42:45,440 --> 00:42:47,879
Speaker 6: Have to find ways to try and make more.

889
00:42:47,920 --> 00:42:52,040
Speaker 4: Money and it can be through getting a more money

890
00:42:52,040 --> 00:42:54,120
Speaker 4: through your, salary or it can be doing different side,

891
00:42:54,160 --> 00:42:56,399
Speaker 4: hustles but then it's saving more money and then it's

892
00:42:56,440 --> 00:42:59,480
Speaker 4: focusing on that investment piece as, well y'all side.

893
00:42:59,560 --> 00:43:02,719
Speaker 2: Hustles, LITERALLY i get so many giggles out of hearing

894
00:43:02,760 --> 00:43:06,759
Speaker 2: about how you guys found creative ways to build. Wealth

895
00:43:06,800 --> 00:43:08,000
Speaker 2: first of, All i'm, like where do you get the

896
00:43:08,160 --> 00:43:11,120
Speaker 2: energy with two? Bait like two little? Girls and y'all

897
00:43:11,120 --> 00:43:14,440
Speaker 2: are like what building furniture out of wine crates and

898
00:43:14,560 --> 00:43:20,680
Speaker 2: digging through ikeas reduced like returns bins and like selling

899
00:43:20,760 --> 00:43:24,000
Speaker 2: flipping furniture? Online talk about how y'all brought in extra,

900
00:43:24,040 --> 00:43:26,560
Speaker 2: money and like what was the most meaningful source of

901
00:43:26,600 --> 00:43:29,480
Speaker 2: extra income y'all? Created you, know we.

902
00:43:29,440 --> 00:43:32,000
Speaker 3: Always talk about this because looking back on, it we

903
00:43:32,360 --> 00:43:35,040
Speaker 3: laugh about some of the things that we. Did but for,

904
00:43:35,200 --> 00:43:38,759
Speaker 3: us it's. Weird when you're on this, journey it's like

905
00:43:38,800 --> 00:43:43,719
Speaker 3: your mind like produces income out out of. Nowhere there's

906
00:43:43,719 --> 00:43:45,759
Speaker 3: literally money in the streets and you just have to

907
00:43:45,760 --> 00:43:48,400
Speaker 3: go pick it. Up, so, actually someone sent us a

908
00:43:48,440 --> 00:43:51,920
Speaker 3: message today because one of our side hustles was we

909
00:43:52,040 --> 00:43:56,520
Speaker 3: Had christina was writing tooth fairy letters On. Etsy she

910
00:43:56,719 --> 00:43:59,880
Speaker 3: created An etsy store and it was my. Favorite it

911
00:44:00,160 --> 00:44:02,560
Speaker 3: was like it was it was so. Funny and when

912
00:44:02,560 --> 00:44:04,440
Speaker 3: she when she came up with this, IDEA i was, like, people,

913
00:44:04,440 --> 00:44:07,440
Speaker 3: really people really buying letters like. That they're families that do.

914
00:44:07,480 --> 00:44:10,920
Speaker 4: That, Yeah but but someone actually reached out to reached

915
00:44:10,920 --> 00:44:13,799
Speaker 4: out to us, today which is so, funny asking us,

916
00:44:13,800 --> 00:44:15,040
Speaker 4: about you, know the details of.

917
00:44:15,040 --> 00:44:15,959
Speaker 6: It how do you do, It.

918
00:44:15,880 --> 00:44:17,759
Speaker 4: How are you sending it? Out are you sending it

919
00:44:17,800 --> 00:44:19,960
Speaker 4: out already pre? Packaged do you send it out to

920
00:44:19,960 --> 00:44:21,680
Speaker 4: the parent or to the? Child so it was so

921
00:44:21,719 --> 00:44:24,680
Speaker 4: interesting because you, know people are interested in finding these

922
00:44:24,719 --> 00:44:27,040
Speaker 4: new ways to make, money and SO i just, thought you,

923
00:44:27,080 --> 00:44:29,320
Speaker 4: know this is a creative. Thing but like you, said

924
00:44:29,360 --> 00:44:32,920
Speaker 4: we we, uh we're not too shy to go dumpster.

925
00:44:33,040 --> 00:44:35,480
Speaker 4: Diving we did that at one, point And i'll tell

926
00:44:35,480 --> 00:44:39,160
Speaker 4: you the specific specifics of. That we were driving around In,

927
00:44:39,200 --> 00:44:42,279
Speaker 4: oakland which is in The San Francisco bay, area and

928
00:44:42,400 --> 00:44:46,480
Speaker 4: we drove past this huge dumpster and it had all of,

929
00:44:46,520 --> 00:44:49,560
Speaker 4: THESE i don't, guess not brand new wine, crates but

930
00:44:49,600 --> 00:44:52,000
Speaker 4: it had all of these wine crates in them and

931
00:44:52,040 --> 00:44:52,640
Speaker 4: they were so.

932
00:44:52,680 --> 00:44:53,840
Speaker 6: Beautiful it's like these wine.

933
00:44:53,840 --> 00:44:57,879
Speaker 4: Boxes, Yes and there was a liquor store that had

934
00:44:57,960 --> 00:45:01,160
Speaker 4: dumped them all out into this garbage to this, dumpster

935
00:45:01,440 --> 00:45:03,560
Speaker 4: getting rid of. Them and we went into the to

936
00:45:03,680 --> 00:45:05,680
Speaker 4: the liquor store and we, said are you dumping? These

937
00:45:05,680 --> 00:45:06,719
Speaker 4: are you you don't want?

938
00:45:06,760 --> 00:45:09,200
Speaker 6: These can we have? Them and so they said. Yes

939
00:45:09,600 --> 00:45:11,280
Speaker 6: so we filled up.

940
00:45:11,160 --> 00:45:14,520
Speaker 4: Our car with so many wine boxes and then we

941
00:45:14,560 --> 00:45:17,200
Speaker 4: took them home and our garage was just piled full

942
00:45:17,320 --> 00:45:19,640
Speaker 4: of wine. Boxes and we ended up selling. Those we

943
00:45:19,719 --> 00:45:22,359
Speaker 4: got them for, free and we ended up selling them

944
00:45:22,360 --> 00:45:25,719
Speaker 4: on Like facebook And, craigslist and people were just it

945
00:45:25,760 --> 00:45:28,640
Speaker 4: was so easy to sell because people thought they were

946
00:45:28,719 --> 00:45:31,280
Speaker 4: really beautiful wine boxes and they couldn't find them, anywhere

947
00:45:31,320 --> 00:45:32,839
Speaker 4: and people were willing to pay us for.

948
00:45:32,880 --> 00:45:35,879
Speaker 2: That. YEAH i was like a bougie broke hipster ten years,

949
00:45:35,880 --> 00:45:38,600
Speaker 2: ago living In queens with my boyfriend at the, time my. Husband,

950
00:45:38,680 --> 00:45:41,320
Speaker 2: now we were the dumb. Dumbs not the dumb. Dumbs

951
00:45:41,360 --> 00:45:43,760
Speaker 2: we were the ones buying, wine trying to find wine

952
00:45:43,760 --> 00:45:47,080
Speaker 2: crates On craigslist and begging liquor stores to give them to.

953
00:45:47,200 --> 00:45:50,319
Speaker 2: Us y'all stumbled upon a little jackpot right THERE i was, like,

954
00:45:50,320 --> 00:45:52,279
Speaker 2: OH i would love. That, yeah we did.

955
00:45:52,320 --> 00:45:54,480
Speaker 6: THAT i mean we, also Like aman, said we had

956
00:45:54,480 --> 00:45:56,040
Speaker 6: flipped our. Properties so one of.

957
00:45:56,040 --> 00:45:59,439
Speaker 4: The things we found At, ikea which, IS i feel

958
00:45:59,480 --> 00:46:02,200
Speaker 4: Like ikea, EVERYWHERE i mean there's even An. Ikea there's

959
00:46:02,239 --> 00:46:05,520
Speaker 4: like Five ikeas In portugal, here but In ikea they

960
00:46:05,560 --> 00:46:08,399
Speaker 4: have this as is. Section so that is another one

961
00:46:08,400 --> 00:46:11,320
Speaker 4: of our side. Hustles we discovered. This i'm not saying

962
00:46:11,320 --> 00:46:13,319
Speaker 4: like we're the only ones who've discovered, it but we

963
00:46:13,400 --> 00:46:17,760
Speaker 4: discovered that you can buy these items in the as

964
00:46:17,880 --> 00:46:20,919
Speaker 4: is section and they're. ANYWHERE i, mean you can get

965
00:46:20,920 --> 00:46:24,120
Speaker 4: things for ninety percent, off, yes up to ninety percent,

966
00:46:24,120 --> 00:46:26,560
Speaker 4: off or if they're you, know if they're no longer

967
00:46:27,040 --> 00:46:31,040
Speaker 4: having a certain, product like an entire fridge or entire kitchen,

968
00:46:31,040 --> 00:46:33,879
Speaker 4: display you can get for up to ninety percent. Off

969
00:46:34,080 --> 00:46:37,840
Speaker 4: so we started buying these really nice items In ikea

970
00:46:37,960 --> 00:46:38,719
Speaker 4: and reselling.

971
00:46:38,760 --> 00:46:40,759
Speaker 3: Those, also y's what we had a. Niche how our

972
00:46:40,880 --> 00:46:45,040
Speaker 3: niche was. Kitchen it was basically like kitchen construction, material

973
00:46:45,160 --> 00:46:49,920
Speaker 3: so the, cabinets the, countertops, refrigerators, hoods all of these different.

974
00:46:49,920 --> 00:46:53,400
Speaker 3: Things When ikea changes out its kitchens in the, showroom

975
00:46:53,640 --> 00:46:56,759
Speaker 3: they would put their entire kitchen down into the as

976
00:46:56,760 --> 00:46:59,400
Speaker 3: this section and we'd be waiting for. It we just

977
00:47:00,160 --> 00:47:02,279
Speaker 3: picked it right. Up it was ninety percent off and

978
00:47:02,320 --> 00:47:05,640
Speaker 3: you can resell this stuff and make a lot of.

979
00:47:05,680 --> 00:47:08,440
Speaker 3: Money we Were my kids Hate ikea now BECAUSE i

980
00:47:08,480 --> 00:47:11,520
Speaker 3: was taking them in there all the. Time and this

981
00:47:11,280 --> 00:47:14,560
Speaker 3: is a side, thing but Every wednesday kids eat free At,

982
00:47:14,560 --> 00:47:16,319
Speaker 3: ikea so we were there Every.

983
00:47:16,360 --> 00:47:20,920
Speaker 2: Wednesday they're probably think of those, meatballs BUT i KNOW

984
00:47:21,000 --> 00:47:21,879
Speaker 2: i lived up that trod.

985
00:47:21,920 --> 00:47:24,480
Speaker 1: Furnished my whole first apartment was The ikea AS a.

986
00:47:24,520 --> 00:47:27,160
Speaker 1: SECTION i was, like oh, no we will have cute,

987
00:47:27,160 --> 00:47:29,120
Speaker 1: things but cute things on a. Budget SO i feel

988
00:47:29,160 --> 00:47:29,919
Speaker 1: YOU i never thought about.

989
00:47:29,960 --> 00:47:33,279
Speaker 2: This i'm a victim of lifestyle. Creep i'll fess up to.

990
00:47:33,320 --> 00:47:36,279
Speaker 2: It we bought our house and it Was West elm

991
00:47:36,320 --> 00:47:41,000
Speaker 2: all the way, y'all AND i feel, foolish but it's.

992
00:47:41,080 --> 00:47:43,480
Speaker 2: True we Did West, elm and Like Creighton, barrel you

993
00:47:43,520 --> 00:47:47,120
Speaker 2: want to have nice, stuff AND i always considered myself

994
00:47:47,200 --> 00:47:49,920
Speaker 2: to be you, KNOW i, Mean i've been doing personal

995
00:47:49,920 --> 00:47:51,759
Speaker 2: finance for over a decade and you KNOW i know.

996
00:47:51,840 --> 00:47:55,680
Speaker 2: Better but the allure of just being comfortable and having nice,

997
00:47:55,719 --> 00:47:59,280
Speaker 2: things especially for people who you, know for me, personally

998
00:47:59,360 --> 00:48:01,719
Speaker 2: coming from, family we weren't like super, poor but we

999
00:48:01,760 --> 00:48:04,279
Speaker 2: didn't have like really nice. Stuff and you, know you

1000
00:48:04,400 --> 00:48:07,279
Speaker 2: want to you want to like enjoy the fruits of

1001
00:48:07,400 --> 00:48:10,800
Speaker 2: your your hard, work and that felt like a way

1002
00:48:10,880 --> 00:48:14,520
Speaker 2: of acknowledging the hard work and about you, know investing

1003
00:48:14,560 --> 00:48:18,359
Speaker 2: in our own. Comfort But i'm a little, surprised you,

1004
00:48:18,360 --> 00:48:21,360
Speaker 2: know two years out from that renovation Where i'm, thinking you,

1005
00:48:21,360 --> 00:48:24,279
Speaker 2: know was that the best way to celebrate our you,

1006
00:48:24,280 --> 00:48:28,759
Speaker 2: know our, success like giving another company all this? Money you,

1007
00:48:28,800 --> 00:48:32,160
Speaker 2: know like there's probably other. Ways So I'm i'm thinking

1008
00:48:32,200 --> 00:48:34,000
Speaker 2: so much about some of the Choices i've made and

1009
00:48:34,040 --> 00:48:37,680
Speaker 2: how emotions play into, that you, know especially as you're

1010
00:48:37,800 --> 00:48:41,040
Speaker 2: starting to build and build a family and earn more

1011
00:48:41,080 --> 00:48:42,520
Speaker 2: in your. Thirties like y'all, said.

1012
00:48:42,880 --> 00:48:46,160
Speaker 4: YEAH i, KNOW i think definitely there's this idea that

1013
00:48:46,800 --> 00:48:49,040
Speaker 4: And aman AND i talk about it a. Lot, actually

1014
00:48:49,200 --> 00:48:53,680
Speaker 4: it's like you can make short term sacrifices for long term.

1015
00:48:53,719 --> 00:48:55,839
Speaker 6: Gains and that's really how we thought about.

1016
00:48:55,840 --> 00:48:58,319
Speaker 4: It when we're thinking about or even if you're thinking

1017
00:48:58,400 --> 00:49:00,759
Speaker 4: about how much it costs to DO, X y OR,

1018
00:49:00,880 --> 00:49:04,440
Speaker 4: z converting that into hours of, work, right it's like

1019
00:49:04,480 --> 00:49:06,600
Speaker 4: would you put that many hours of work so that

1020
00:49:06,640 --> 00:49:08,279
Speaker 4: you could have this or so that you could do

1021
00:49:08,320 --> 00:49:11,960
Speaker 4: something or do. That and so that's an interesting way

1022
00:49:12,000 --> 00:49:13,160
Speaker 4: to start to think about.

1023
00:49:13,160 --> 00:49:14,520
Speaker 6: It but also.

1024
00:49:14,320 --> 00:49:16,440
Speaker 4: Realizing you know what is in your, future what do

1025
00:49:16,480 --> 00:49:19,239
Speaker 4: you look, for what do you look forward to the

1026
00:49:19,239 --> 00:49:23,080
Speaker 4: most in the, future and really thinking about it at that,

1027
00:49:23,200 --> 00:49:25,880
Speaker 4: way thinking that you, know IF i IF i maybe

1028
00:49:25,920 --> 00:49:28,319
Speaker 4: don't spend my money in this area or IF i

1029
00:49:28,400 --> 00:49:31,560
Speaker 4: cut back in this. Area it may be a little hard,

1030
00:49:31,719 --> 00:49:35,360
Speaker 4: initially but if you're looking at the long term, results

1031
00:49:35,360 --> 00:49:38,240
Speaker 4: what you can get in return for maybe not buying

1032
00:49:38,280 --> 00:49:41,160
Speaker 4: the BIG tv or the new car or something like,

1033
00:49:41,239 --> 00:49:45,719
Speaker 4: that then you can start really pursuing fire in a

1034
00:49:45,800 --> 00:49:49,440
Speaker 4: meaningful way where you're really focused on cutting out, expenses

1035
00:49:49,520 --> 00:49:51,799
Speaker 4: not buying big, expenses and really trying to make more

1036
00:49:51,880 --> 00:49:52,920
Speaker 4: in funnel towards your.

1037
00:49:52,960 --> 00:49:57,320
Speaker 2: Investments y'all didn't just focus on cutting cutting cutting. Expenses

1038
00:49:57,400 --> 00:50:00,920
Speaker 2: y'all still took time and you invested in experiences that

1039
00:50:00,960 --> 00:50:03,120
Speaker 2: meant a lot to. Y'all can you talk about how

1040
00:50:03,160 --> 00:50:06,440
Speaker 2: you balanced experiences and things that you would continue to

1041
00:50:06,480 --> 00:50:09,520
Speaker 2: splurge on and then balance that with your mission to

1042
00:50:09,560 --> 00:50:10,600
Speaker 2: save as much as you could.

1043
00:50:11,200 --> 00:50:15,680
Speaker 4: YEAH i would say one of our biggest expenses in

1044
00:50:15,800 --> 00:50:17,799
Speaker 4: terms of what we cut that we really wanted to

1045
00:50:17,840 --> 00:50:20,200
Speaker 4: do that we're able to figure it, out was. Traveling

1046
00:50:20,440 --> 00:50:24,960
Speaker 4: like we lived In, spain we lived In, japan we

1047
00:50:25,080 --> 00:50:25,680
Speaker 4: now live In.

1048
00:50:25,800 --> 00:50:27,920
Speaker 6: Portugal we traveled To hawaii a.

1049
00:50:27,960 --> 00:50:31,520
Speaker 4: Lot among's brother lives In, hawaii so we were definitely

1050
00:50:31,600 --> 00:50:34,560
Speaker 4: a huge travel family and that was very important to,

1051
00:50:34,640 --> 00:50:36,480
Speaker 4: us and we really didn't want to give that. Up

1052
00:50:36,600 --> 00:50:39,160
Speaker 4: but it can be expensive for a family of four

1053
00:50:39,600 --> 00:50:43,120
Speaker 4: traveling abroad all the time Or hawaii and making these,

1054
00:50:43,160 --> 00:50:46,960
Speaker 4: trips and so we figured out travel hacking where we

1055
00:50:47,000 --> 00:50:51,000
Speaker 4: would take out credit cards and we would use the

1056
00:50:51,080 --> 00:50:53,919
Speaker 4: bonus points for the credit cards by taking them, out

1057
00:50:53,960 --> 00:50:57,359
Speaker 4: and we would use them for hotel stays and for,

1058
00:50:57,560 --> 00:51:00,880
Speaker 4: airfare and we were able to start travel for. Free

1059
00:51:01,080 --> 00:51:04,240
Speaker 4: NOW i would say though that this this travel hacking

1060
00:51:04,280 --> 00:51:07,719
Speaker 4: concept is absolutely not for. EVERYONE i, mean you have to

1061
00:51:07,800 --> 00:51:10,319
Speaker 4: understand how credit. Works you have to start off with

1062
00:51:10,360 --> 00:51:12,759
Speaker 4: good credit and maintain good, credit and don't go in

1063
00:51:12,800 --> 00:51:15,400
Speaker 4: this rabbit hole where you're just trying to spend money

1064
00:51:15,400 --> 00:51:17,440
Speaker 4: on your credit card so that you can get the.

1065
00:51:17,480 --> 00:51:20,040
Speaker 4: Points it doesn't work like. That there's a it's a

1066
00:51:20,080 --> 00:51:23,160
Speaker 4: bit more nuanced than. That so it's not for, everyone

1067
00:51:23,200 --> 00:51:26,000
Speaker 4: but for. Us For aman AND, i we had excellent.

1068
00:51:26,040 --> 00:51:29,200
Speaker 4: Credit we never had any debt on our credit. Cards

1069
00:51:29,239 --> 00:51:32,520
Speaker 4: we always paid our credit card off in full every single,

1070
00:51:32,560 --> 00:51:35,799
Speaker 4: month and so by figuring out travel, hacking we were

1071
00:51:35,840 --> 00:51:39,560
Speaker 4: able to continue to travel the world and still enjoy

1072
00:51:39,840 --> 00:51:41,719
Speaker 4: all of the different things we could by, traveling but

1073
00:51:41,760 --> 00:51:42,480
Speaker 4: we got to do it for.

1074
00:51:42,520 --> 00:51:44,960
Speaker 2: Free oh, yeah tip AND i love to talk about

1075
00:51:45,080 --> 00:51:48,480
Speaker 2: what how to not you, know fall into, that to

1076
00:51:48,560 --> 00:51:51,560
Speaker 2: that black hole of credit card spending just to get some. Points.

1077
00:51:51,840 --> 00:51:54,840
Speaker 1: Yeah, Absolutely SO i do have a question, though because

1078
00:51:55,080 --> 00:51:57,960
Speaker 1: the struggle THAT i have is not it's not the

1079
00:51:58,000 --> 00:52:02,439
Speaker 1: living frugally got that you. Know and, so but did

1080
00:52:02,480 --> 00:52:05,920
Speaker 1: you ever feel like are we over? Sacrificing because that

1081
00:52:06,120 --> 00:52:09,920
Speaker 1: is something THAT i struggle with THAT i sometimes struggle

1082
00:52:10,000 --> 00:52:13,640
Speaker 1: with the enjoying on the other. Side and so do

1083
00:52:13,680 --> 00:52:16,319
Speaker 1: you ever feel, like you, know you were over Sacrificing

1084
00:52:16,320 --> 00:52:19,600
Speaker 1: and if, so how did you manage that or if,

1085
00:52:19,640 --> 00:52:20,880
Speaker 1: not how did you avoid? That?

1086
00:52:21,760 --> 00:52:24,000
Speaker 4: YEAH i think that for, us we didn't feel like

1087
00:52:24,040 --> 00:52:27,520
Speaker 4: we were over sacrificing because we built in things on

1088
00:52:27,600 --> 00:52:29,640
Speaker 4: our journey so that we could enjoy Things, so LIKE i,

1089
00:52:29,680 --> 00:52:32,120
Speaker 4: said we did. Traveling we traveled quite a, lot and

1090
00:52:32,160 --> 00:52:34,560
Speaker 4: we also this is something that we didn't save any money,

1091
00:52:34,560 --> 00:52:37,399
Speaker 4: on but we still did. It we're from The we're From,

1092
00:52:37,400 --> 00:52:40,239
Speaker 4: oakland LIKE i, Said and we went to a lot

1093
00:52:40,280 --> 00:52:43,120
Speaker 4: of warrior games and we didn't get the nosebleed. Seats

1094
00:52:43,120 --> 00:52:45,160
Speaker 4: we were sitting you, KNOW i wouldn't say on the,

1095
00:52:45,200 --> 00:52:48,120
Speaker 4: floor but maybe five rows back off of the. Floor

1096
00:52:48,600 --> 00:52:50,480
Speaker 4: so that was one of the expenses that.

1097
00:52:50,440 --> 00:52:51,759
Speaker 6: We splurged on when we were In.

1098
00:52:51,840 --> 00:52:55,200
Speaker 4: Oakland BUT i like to tell people a lot that

1099
00:52:55,800 --> 00:53:00,160
Speaker 4: you should you should enjoy the. Journey you should enjoy

1100
00:53:00,360 --> 00:53:04,680
Speaker 4: your journey towards, fire because sometimes it's not all just

1101
00:53:04,719 --> 00:53:07,480
Speaker 4: about that destination of being able to. Retire Right if

1102
00:53:07,480 --> 00:53:11,160
Speaker 4: you're miserable on your, journey you're not spending a single

1103
00:53:11,200 --> 00:53:16,239
Speaker 4: dime doing anything you are are you, know not going

1104
00:53:16,239 --> 00:53:18,640
Speaker 4: out with your, friends or you're not doing anything with

1105
00:53:18,680 --> 00:53:21,960
Speaker 4: anyone your family. Members it's a miserable journey and it's not.

1106
00:53:22,200 --> 00:53:25,760
Speaker 4: Sustainable so you have to you have to figure out

1107
00:53:25,920 --> 00:53:28,120
Speaker 4: what the right balance is for. You so we're NOT

1108
00:53:28,520 --> 00:53:32,160
Speaker 4: i wouldn't encourage everyone to just you, know count every

1109
00:53:32,200 --> 00:53:36,719
Speaker 4: single penny and live in a way where they're just

1110
00:53:37,040 --> 00:53:38,120
Speaker 4: not able to enjoy.

1111
00:53:38,239 --> 00:53:40,040
Speaker 6: Anything, yeah AND i think.

1112
00:53:39,880 --> 00:53:42,759
Speaker 3: This is a this is a misconception about The Fire,

1113
00:53:42,880 --> 00:53:45,360
Speaker 3: movement is that the people that are on this journey

1114
00:53:45,680 --> 00:53:49,160
Speaker 3: are eating beans and sacrifice and they don't have cable Or,

1115
00:53:49,200 --> 00:53:53,319
Speaker 3: netflix you, know they don't go. Anywhere that's that's absolutely not.

1116
00:53:53,360 --> 00:53:56,960
Speaker 3: True to do, this you have to just find creative

1117
00:53:57,000 --> 00:54:01,359
Speaker 3: ways to enjoy yourself and you have to figure out

1118
00:54:01,400 --> 00:54:03,879
Speaker 3: a way to make more. Money that's the other side

1119
00:54:03,880 --> 00:54:05,279
Speaker 3: of the. Equation preach on.

1120
00:54:05,400 --> 00:54:07,840
Speaker 2: It say it again THAT i wish.

1121
00:54:07,760 --> 00:54:09,799
Speaker 3: The Fire movement talk more about is you have to

1122
00:54:09,800 --> 00:54:12,280
Speaker 3: get out there and if you're in your, thirties, twenties

1123
00:54:12,280 --> 00:54:14,640
Speaker 3: if you're, forties, fifties you have to get on the.

1124
00:54:14,680 --> 00:54:18,600
Speaker 3: Grind like would people would say to, us how do

1125
00:54:18,680 --> 00:54:21,040
Speaker 3: you how are you able to do this with? Kids

1126
00:54:21,160 --> 00:54:23,600
Speaker 3: you're in law. School it's, like we don't know anything

1127
00:54:23,600 --> 00:54:26,319
Speaker 3: else but. This so we didn't set a low. Bar

1128
00:54:26,480 --> 00:54:29,880
Speaker 3: we set a high bar and that's all we. Knew

1129
00:54:30,280 --> 00:54:35,080
Speaker 3: so for, us we don't, define you, know our journey

1130
00:54:35,080 --> 00:54:37,719
Speaker 3: in any particular. Way it's just it is what it.

1131
00:54:37,800 --> 00:54:40,759
Speaker 3: Is that's why we called our YouTube channel Our Rich

1132
00:54:40,880 --> 00:54:44,640
Speaker 3: journey because this is this is how we live our.

1133
00:54:44,680 --> 00:54:47,600
Speaker 3: Life when people find out what our budget is here In,

1134
00:54:47,640 --> 00:54:52,080
Speaker 3: portugal we live pretty. Luxuriously you. Know we spend four

1135
00:54:52,120 --> 00:54:56,279
Speaker 3: thousand dollars a month here In. Portugal and you, know

1136
00:54:56,520 --> 00:54:58,200
Speaker 3: for some people they, say oh my, god that's too,

1137
00:54:58,280 --> 00:55:00,640
Speaker 3: much or some people, say oh that it's not. Enough

1138
00:55:00,840 --> 00:55:03,920
Speaker 3: but it's. Relative AND i think anyone that's on this

1139
00:55:04,000 --> 00:55:06,319
Speaker 3: journey they have to figure out a way to do

1140
00:55:06,360 --> 00:55:11,479
Speaker 3: it relatively well so that they enjoy. Themselves someone reached

1141
00:55:11,480 --> 00:55:13,920
Speaker 3: out to me today and they, said you, know we're

1142
00:55:14,000 --> 00:55:16,480
Speaker 3: on this journey and we're wondering whether or not we

1143
00:55:16,600 --> 00:55:20,560
Speaker 3: should start to cut some of the activities for our.

1144
00:55:20,640 --> 00:55:25,080
Speaker 3: Children AND i immediately, thought, no why would. You, no

1145
00:55:25,400 --> 00:55:29,120
Speaker 3: don't do. That don't sacrifice your child's. Childhood you, know

1146
00:55:29,200 --> 00:55:32,759
Speaker 3: for this, journey figure out different ways to approach the,

1147
00:55:32,800 --> 00:55:36,759
Speaker 3: problem you. Know so that's what we did on our.

1148
00:55:36,840 --> 00:55:41,520
Speaker 3: Journey we would encounter a problem like, childcare like, travel

1149
00:55:42,120 --> 00:55:44,319
Speaker 3: like owning a, home and we would just figure out

1150
00:55:44,440 --> 00:55:47,720
Speaker 3: a way to get through the challenge or over or around.

1151
00:55:47,719 --> 00:55:49,480
Speaker 3: It but we never we never let it stop.

1152
00:55:49,560 --> 00:55:52,200
Speaker 2: Us, YEAH i mean your girls were in. Basketball you,

1153
00:55:52,239 --> 00:55:55,640
Speaker 2: said they do swimming like you you've always encouraged those.

1154
00:55:55,680 --> 00:55:58,120
Speaker 2: HOBBIES i, mean now they're YouTube, stars so it's not

1155
00:55:58,160 --> 00:56:01,399
Speaker 2: going to be their new. Hobby but before we let y'all,

1156
00:56:01,400 --> 00:56:03,359
Speaker 2: go we HAVE i really want to talk to y'all

1157
00:56:03,360 --> 00:56:06,919
Speaker 2: about your investing philosopy and how you are weathering because

1158
00:56:06,920 --> 00:56:09,760
Speaker 2: your investments are mostly still in THE, us right, yes

1159
00:56:10,080 --> 00:56:12,239
Speaker 2: so talk to us about BECAUSE i know people listening right.

1160
00:56:12,239 --> 00:56:15,360
Speaker 2: NOW i, mean let's not let's let's not mince words

1161
00:56:15,400 --> 00:56:18,120
Speaker 2: here like we. Are we're THE us is being crippled

1162
00:56:18,120 --> 00:56:20,680
Speaker 2: by this current pandemic and economic. CRISIS i, mean we

1163
00:56:20,760 --> 00:56:24,000
Speaker 2: have what tens of millions Of americans out of. Work

1164
00:56:24,080 --> 00:56:27,400
Speaker 2: my own father was has is still laid. Off congress

1165
00:56:27,440 --> 00:56:30,680
Speaker 2: can't get their act together with these stimulus checks and

1166
00:56:30,920 --> 00:56:34,440
Speaker 2: federal uh you, know unemployment benefits are in limbo right.

1167
00:56:34,440 --> 00:56:36,600
Speaker 2: Now so there's people out there who are, truly truly,

1168
00:56:36,680 --> 00:56:40,040
Speaker 2: hurting and even infant people who have been doing it

1169
00:56:40,120 --> 00:56:42,239
Speaker 2: quote unquote the right way and investing in their four

1170
00:56:42,320 --> 00:56:44,600
Speaker 2: one k have seen their four one ks you, know

1171
00:56:45,160 --> 00:56:49,040
Speaker 2: take dips this. Year so y'all y'all have. Retired what

1172
00:56:49,040 --> 00:56:51,319
Speaker 2: what do you say to people who are feeling, like oh,

1173
00:56:51,360 --> 00:56:53,160
Speaker 2: shit like is this the right time to be putting

1174
00:56:53,200 --> 00:56:55,680
Speaker 2: money in the, market and how, like how can we

1175
00:56:55,719 --> 00:56:59,319
Speaker 2: trust that things will work? Out talk to us about

1176
00:56:59,320 --> 00:57:02,279
Speaker 2: your approach to investing right now in this, moment you,

1177
00:57:02,320 --> 00:57:04,640
Speaker 2: know how you're weathering what's happening in THE, us even

1178
00:57:04,640 --> 00:57:07,040
Speaker 2: though you're In portugal. Now and what do you say

1179
00:57:07,040 --> 00:57:11,200
Speaker 2: to people who are feeling a little gunshy about getting

1180
00:57:11,239 --> 00:57:11,719
Speaker 2: into the market?

1181
00:57:11,800 --> 00:57:14,799
Speaker 3: Now, yeah, well you, know that's a great. Question AND

1182
00:57:15,080 --> 00:57:19,360
Speaker 3: i always tell people. This don't invest money that you

1183
00:57:20,240 --> 00:57:22,840
Speaker 3: need to live off of every. Day so before you

1184
00:57:22,960 --> 00:57:27,040
Speaker 3: even buy your first, investment you should have the fundamentals in.

1185
00:57:27,080 --> 00:57:30,240
Speaker 3: Place you should have your credit paid down and emergency

1186
00:57:30,280 --> 00:57:33,160
Speaker 3: fund in, place and then you can start investing in

1187
00:57:33,200 --> 00:57:36,520
Speaker 3: the stock. Market because when you invest in the stock,

1188
00:57:36,560 --> 00:57:39,720
Speaker 3: market you shouldn't need that money in the next five

1189
00:57:39,760 --> 00:57:43,080
Speaker 3: to ten. Years this is long term. Money you shouldn't

1190
00:57:43,080 --> 00:57:47,480
Speaker 3: want this money for. Decades so what's happening right? Now it.

1191
00:57:47,680 --> 00:57:51,400
Speaker 3: Is it is completely, awful you, know but if you

1192
00:57:51,440 --> 00:57:55,000
Speaker 3: have a plan in, place this should not distract. You

1193
00:57:55,360 --> 00:57:57,720
Speaker 3: if it's not taking away from your, Income if you

1194
00:57:57,760 --> 00:58:00,080
Speaker 3: still have your income and you still have the ability to,

1195
00:58:00,120 --> 00:58:03,280
Speaker 3: invest you should be investing that. Money don't get don't

1196
00:58:03,280 --> 00:58:05,959
Speaker 3: get consumed by what's going on in the. World, yes

1197
00:58:06,520 --> 00:58:11,320
Speaker 3: you should should you should definitely be involved in it

1198
00:58:11,400 --> 00:58:15,040
Speaker 3: socially and. Politically but if you have your investments on cruise,

1199
00:58:15,040 --> 00:58:18,200
Speaker 3: control then money should be the least of your worries right.

1200
00:58:18,240 --> 00:58:20,840
Speaker 3: Now you should just let that money. Ride SO i

1201
00:58:20,880 --> 00:58:23,280
Speaker 3: always say, that you, know once you have those fundamental

1202
00:58:23,280 --> 00:58:25,520
Speaker 3: things in, place and you have your investments on cruise,

1203
00:58:25,520 --> 00:58:28,520
Speaker 3: control then you can focus on everyday.

1204
00:58:28,560 --> 00:58:32,000
Speaker 4: Life, Yeah AND i would also, say you, know when

1205
00:58:32,200 --> 00:58:35,160
Speaker 4: when you think about the stock, market it seems so

1206
00:58:35,400 --> 00:58:39,560
Speaker 4: backwards because when the stock market, plummets a lot of

1207
00:58:39,680 --> 00:58:44,160
Speaker 4: people are pulling their investments out because they're afraid that

1208
00:58:44,200 --> 00:58:46,680
Speaker 4: they're going to lose all of their. Money so it's,

1209
00:58:46,680 --> 00:58:48,960
Speaker 4: like let me get let me get my investments. Out

1210
00:58:49,160 --> 00:58:51,040
Speaker 4: i'm going to take the, loss but it's better than

1211
00:58:51,760 --> 00:58:55,240
Speaker 4: not having any money at, all and then then the

1212
00:58:55,280 --> 00:58:57,880
Speaker 4: stock market ultimately goes back, up and then if they

1213
00:58:57,880 --> 00:58:59,880
Speaker 4: would have just left their money, in they would have

1214
00:59:00,200 --> 00:59:02,800
Speaker 4: been better off in the long. Run it's almost like

1215
00:59:02,840 --> 00:59:05,880
Speaker 4: you sort of have to go against the herd mentality

1216
00:59:05,920 --> 00:59:09,360
Speaker 4: when it comes to the stock, market because once you

1217
00:59:10,680 --> 00:59:14,200
Speaker 4: learn more about the stock market and understand the history

1218
00:59:14,240 --> 00:59:16,240
Speaker 4: of the stock. Market and this is not to stay

1219
00:59:16,320 --> 00:59:18,720
Speaker 4: that the history of the stock market will predict the

1220
00:59:18,760 --> 00:59:23,080
Speaker 4: future of the stock. Market but, historically since, forever the

1221
00:59:23,120 --> 00:59:26,720
Speaker 4: stock market has always ultimately gone. Up and so when

1222
00:59:26,760 --> 00:59:29,240
Speaker 4: people are, THINKING i don't know IF i should invest

1223
00:59:29,320 --> 00:59:32,320
Speaker 4: right now because the stock market just dropped something like,

1224
00:59:32,360 --> 00:59:34,160
Speaker 4: that or MAYBE i should pull my money out Because

1225
00:59:34,160 --> 00:59:35,920
Speaker 4: i'm losing money AND i don't want to lose, it,

1226
00:59:35,960 --> 00:59:39,680
Speaker 4: all the idea should really, be if the stock market

1227
00:59:40,120 --> 00:59:45,320
Speaker 4: has historically always gone, up then when the stock market

1228
00:59:45,360 --> 00:59:49,280
Speaker 4: goes down is an excellent time to. Invest is an

1229
00:59:49,320 --> 00:59:52,240
Speaker 4: excellent time if you have any, money to throw your

1230
00:59:52,280 --> 00:59:55,440
Speaker 4: money into the stock market when it's, down because when

1231
00:59:55,480 --> 01:00:00,400
Speaker 4: it ultimately goes, up then you Are then you're making

1232
01:00:00,440 --> 01:00:01,680
Speaker 4: money and you're getting a return on.

1233
01:00:01,720 --> 01:00:02,400
Speaker 6: That and the same.

1234
01:00:02,400 --> 01:00:04,000
Speaker 4: Thing if your money is in there and you keep

1235
01:00:04,040 --> 01:00:06,680
Speaker 4: it in there rather than sell it and it ultimately goes,

1236
01:00:06,760 --> 01:00:09,080
Speaker 4: up then stock, market your portfolio is worth.

1237
01:00:09,120 --> 01:00:12,400
Speaker 3: More BUT i, Think, mandy you want to know what

1238
01:00:12,520 --> 01:00:14,680
Speaker 3: we're doing. Right you want to know how we're weathering

1239
01:00:15,120 --> 01:00:19,480
Speaker 3: this this, storm AND i THINK i think a lot

1240
01:00:19,480 --> 01:00:25,160
Speaker 3: of people have that. Question but when we first started our,

1241
01:00:25,280 --> 01:00:30,200
Speaker 3: plan we devised a plan that involved front loading our

1242
01:00:30,760 --> 01:00:36,600
Speaker 3: investments into very aggressive index, funds so technology and total

1243
01:00:36,640 --> 01:00:39,400
Speaker 3: stock market index. Funds and then as we got towards

1244
01:00:39,440 --> 01:00:42,320
Speaker 3: the latter half of our, journey we started to build

1245
01:00:42,360 --> 01:00:45,560
Speaker 3: up what's called the stock market emergency fund for dips like.

1246
01:00:45,600 --> 01:00:50,320
Speaker 3: This that was over two years worth of living expenses

1247
01:00:50,640 --> 01:00:52,640
Speaker 3: in case the stock market were to drop and we

1248
01:00:52,680 --> 01:00:55,160
Speaker 3: would have to make that switch from not pulling from

1249
01:00:55,200 --> 01:00:57,280
Speaker 3: the stock market because you don't want to pull from

1250
01:00:57,320 --> 01:00:59,960
Speaker 3: the stock market when it, drops and instead pull from

1251
01:01:00,200 --> 01:01:04,000
Speaker 3: our stock market emergency. Fund and so When march hit

1252
01:01:04,440 --> 01:01:08,760
Speaker 3: and the stock market, crashed we, thought, okay are we

1253
01:01:08,800 --> 01:01:12,160
Speaker 3: going to have to make that? Switch but two three months,

1254
01:01:12,240 --> 01:01:16,440
Speaker 3: later the stock market has fully. Recovered so this is

1255
01:01:16,680 --> 01:01:21,080
Speaker 3: this is the THE i, mean this is the thing about.

1256
01:01:21,120 --> 01:01:23,600
Speaker 3: Investing when you have a plan in, place you already

1257
01:01:23,680 --> 01:01:27,960
Speaker 3: know what to do before it. Happens but what we've

1258
01:01:27,960 --> 01:01:31,160
Speaker 3: found is that we haven't had to even rely on

1259
01:01:31,200 --> 01:01:35,880
Speaker 3: some of those contingencies because the stock market has always.

1260
01:01:35,920 --> 01:01:40,600
Speaker 3: Recovered AND i always say this on our YouTube. Channel you,

1261
01:01:40,640 --> 01:01:42,800
Speaker 3: know the stock market's going to go up and, down

1262
01:01:42,840 --> 01:01:46,040
Speaker 3: but in the, end it's going to go. Up it always, has.

1263
01:01:46,320 --> 01:01:48,560
Speaker 4: AND i will say, also you, know just to piggyback

1264
01:01:48,560 --> 01:01:50,800
Speaker 4: off of What aman. Said with that crash In march

1265
01:01:50,840 --> 01:01:54,240
Speaker 4: Twenty march twenty, twenty there were a lot of people

1266
01:01:54,360 --> 01:01:57,479
Speaker 4: at that time they were selling out their portfolios because

1267
01:01:57,480 --> 01:01:59,680
Speaker 4: they didn't want to take any more of a. Loss

1268
01:02:00,000 --> 01:02:03,680
Speaker 4: and on our, channel we actually created a new, portfolio

1269
01:02:04,200 --> 01:02:07,040
Speaker 4: just sort of a very many portfolio to show, people,

1270
01:02:07,560 --> 01:02:11,400
Speaker 4: listen if you invest, now it's a good it's a good.

1271
01:02:11,400 --> 01:02:14,440
Speaker 4: Thing you can start growing your money by investing. Now

1272
01:02:14,440 --> 01:02:17,120
Speaker 4: it doesn't matter that there was a huge. Crash you

1273
01:02:17,120 --> 01:02:20,560
Speaker 4: can start investing. Now and so many people were, like

1274
01:02:20,600 --> 01:02:22,600
Speaker 4: why would you invest, now it's a, crash it's the

1275
01:02:22,640 --> 01:02:24,560
Speaker 4: worst time to invest. In we're, like, no that's the

1276
01:02:24,720 --> 01:02:26,920
Speaker 4: very opposite of how you should be. Thinking you, know

1277
01:02:27,160 --> 01:02:30,560
Speaker 4: you should continuously be investing whether it's a good whether

1278
01:02:30,600 --> 01:02:32,920
Speaker 4: the market's doing well or whether it's doing. Bad you

1279
01:02:32,920 --> 01:02:35,520
Speaker 4: should just be dollar cost averaging into the. Market but

1280
01:02:35,680 --> 01:02:38,520
Speaker 4: when the market is doing, bad it is an excellent

1281
01:02:38,600 --> 01:02:41,600
Speaker 4: opportunity to grow your. Wealth and so that's what we're

1282
01:02:41,640 --> 01:02:44,880
Speaker 4: really demonstrating with this portfolio to our followers is, like,

1283
01:02:45,160 --> 01:02:48,200
Speaker 4: listen when people are running and trying to cash out

1284
01:02:48,240 --> 01:02:51,480
Speaker 4: their portfolios when there's a big, crash don't.

1285
01:02:51,240 --> 01:02:54,520
Speaker 6: Do, that do the. Opposite do the opposite and start

1286
01:02:54,520 --> 01:02:55,040
Speaker 6: building your.

1287
01:02:55,040 --> 01:02:58,440
Speaker 2: WEALTH i think y'all really illustrate beautifully the power of

1288
01:02:58,480 --> 01:03:01,560
Speaker 2: the mindset when it comes to building, Wealth like you've

1289
01:03:01,600 --> 01:03:04,400
Speaker 2: got to really you've got to look at your, emotions

1290
01:03:04,480 --> 01:03:07,200
Speaker 2: as my lovely therapist always, says look at the thought

1291
01:03:07,320 --> 01:03:09,960
Speaker 2: or the feeling and just acknowledge that it exists and

1292
01:03:10,000 --> 01:03:13,920
Speaker 2: then just attack it with reason and. Logic AND i love, that.

1293
01:03:14,040 --> 01:03:16,440
Speaker 2: Y'all i've been following that series at y'all where you

1294
01:03:16,480 --> 01:03:18,640
Speaker 2: share your portfolio and how you invest at the bomb

1295
01:03:18,680 --> 01:03:20,520
Speaker 2: of the, market or at least you, know you never

1296
01:03:20,560 --> 01:03:22,440
Speaker 2: know when it's the, bottom but how you guys invested

1297
01:03:22,480 --> 01:03:24,680
Speaker 2: in the spring AND i AND i love that. LESSON

1298
01:03:24,680 --> 01:03:26,280
Speaker 2: i just think people have to be ready for it

1299
01:03:26,720 --> 01:03:28,720
Speaker 2: and really want. TO i want to home in on

1300
01:03:28,760 --> 01:03:30,800
Speaker 2: the point that y'all made too about that emergency. Fund

1301
01:03:30,880 --> 01:03:32,160
Speaker 2: and just to be, clear when you say it's a

1302
01:03:32,160 --> 01:03:35,200
Speaker 2: stock market emergency, fund you don't have the money in

1303
01:03:35,240 --> 01:03:37,840
Speaker 2: the stock. Market it's your emergency, fund so that you

1304
01:03:37,840 --> 01:03:41,320
Speaker 2: don't touch your, money, yes just cash right REGULAR. O,

1305
01:03:41,560 --> 01:03:44,520
Speaker 2: Yeah so that's key because you know people think that,

1306
01:03:44,840 --> 01:03:47,120
Speaker 2: like if you're if you're worried about losing everything when

1307
01:03:47,120 --> 01:03:49,800
Speaker 2: a market goes, down that you're probably not investing money

1308
01:03:49,800 --> 01:03:52,520
Speaker 2: that you're willing to put away for the long, term

1309
01:03:52,600 --> 01:03:54,600
Speaker 2: like your money that you want to hold with your

1310
01:03:54,840 --> 01:03:56,720
Speaker 2: money that you want to be able to access if

1311
01:03:56,720 --> 01:03:59,280
Speaker 2: an emergency. Happens that should be, really it should be,

1312
01:03:59,360 --> 01:04:02,240
Speaker 2: Liquid it be available to. You it should be enough

1313
01:04:02,880 --> 01:04:05,240
Speaker 2: for the you, know for whatever a period of time

1314
01:04:05,280 --> 01:04:07,920
Speaker 2: you feel comfortable with you, guys two years seems reasonable

1315
01:04:07,920 --> 01:04:12,880
Speaker 2: because y'all are you, know you're you're entirely without you, know,

1316
01:04:13,040 --> 01:04:15,800
Speaker 2: well you have your passive, income but you've left your

1317
01:04:16,000 --> 01:04:18,840
Speaker 2: you've left your, jobs and you're living your fire. Lifestyle

1318
01:04:18,880 --> 01:04:20,840
Speaker 2: but for other people maybe at six months or year's

1319
01:04:20,840 --> 01:04:23,160
Speaker 2: worth of. Expenses AND i love that y'all have that

1320
01:04:23,160 --> 01:04:27,000
Speaker 2: cushion because it helps you kind of like stamp down

1321
01:04:27,080 --> 01:04:29,920
Speaker 2: those emotional fears around when the market, dips, like oh,

1322
01:04:29,920 --> 01:04:32,320
Speaker 2: No i've got to take my money out BECAUSE i

1323
01:04:32,800 --> 01:04:34,280
Speaker 2: don't want to lose it because we need to have

1324
01:04:34,320 --> 01:04:37,640
Speaker 2: food on the table with that emergency. Fund, y'all you

1325
01:04:38,040 --> 01:04:40,520
Speaker 2: provide a cushion for, yourself and you provide the security

1326
01:04:40,520 --> 01:04:44,080
Speaker 2: that you can continue with your investing, strategy continue building your,

1327
01:04:44,120 --> 01:04:46,720
Speaker 2: wealth and you don't need to sacrifice that when your

1328
01:04:46,720 --> 01:04:49,600
Speaker 2: emotions start to take. OVER i think that's a really

1329
01:04:49,600 --> 01:04:51,680
Speaker 2: important point for, people and that's why we're always, like

1330
01:04:52,480 --> 01:04:54,800
Speaker 2: before y'all start asking that, Investing i'm talking to my

1331
01:04:54,880 --> 01:04:57,280
Speaker 2: dad and my Uncle. Mark you will call me all the.

1332
01:04:57,280 --> 01:05:00,360
Speaker 2: Time what About? Hurts should we invest in? Hurting you, know?

1333
01:05:00,920 --> 01:05:02,520
Speaker 1: Bankrupt oh, yeah, sure?

1334
01:05:02,640 --> 01:05:04,760
Speaker 2: Jumping oh my. God i'm, like, listen if my Uncle

1335
01:05:04,760 --> 01:05:07,680
Speaker 2: mark is talking about, it do not just don't go To.

1336
01:05:07,760 --> 01:05:11,280
Speaker 2: Hurts but my, dad he still saves money in his coat.

1337
01:05:11,360 --> 01:05:13,600
Speaker 2: Closet i'm, like you're trying to talk about investing in.

1338
01:05:13,680 --> 01:05:15,320
Speaker 2: Hurts CAN i get you to like put some money

1339
01:05:15,320 --> 01:05:18,120
Speaker 2: in the bank, first like this so, backwards go.

1340
01:05:18,160 --> 01:05:21,160
Speaker 1: Ahead, no and no shade to the people who. Listen

1341
01:05:21,240 --> 01:05:23,760
Speaker 1: but if you're willing to do the blessing, loom that's

1342
01:05:23,800 --> 01:05:27,520
Speaker 1: not a. BLESSING i think you can try. This that's

1343
01:05:27,520 --> 01:05:29,560
Speaker 1: a little shady because so many of my dream catchers are, like,

1344
01:05:29,600 --> 01:05:31,040
Speaker 1: GIRL i want to do a blessing. Loom it's not

1345
01:05:31,040 --> 01:05:33,960
Speaker 1: a blessing. Loom, No i've never heard enough.

1346
01:05:34,000 --> 01:05:36,640
Speaker 2: Before you never heard of the Blessing loom quits quick,

1347
01:05:36,680 --> 01:05:37,680
Speaker 2: sidebar what has Done.

1348
01:05:38,120 --> 01:05:40,640
Speaker 1: No we talked about it on the. Podcast REMEMBER i,

1349
01:05:40,680 --> 01:05:44,240
Speaker 1: said it's basically the pyramid, scheme but they keep renaming

1350
01:05:44,280 --> 01:05:46,760
Speaker 1: It Blessing loom pyramid scheme when you bring more people

1351
01:05:46,840 --> 01:05:48,680
Speaker 1: in and they bring, money and then you move to

1352
01:05:48,720 --> 01:05:51,480
Speaker 1: the center or to the top and they see, yeah

1353
01:05:51,600 --> 01:05:53,520
Speaker 1: but they just keep calling in new. Things BUT i

1354
01:05:53,560 --> 01:05:55,360
Speaker 1: did want to, ask like what BECAUSE i want to

1355
01:05:55,360 --> 01:05:57,960
Speaker 1: get just a little nitty, gritty like what percentage are

1356
01:05:58,000 --> 01:06:00,800
Speaker 1: you living off? Of are you doing it where you're

1357
01:06:00,800 --> 01:06:03,320
Speaker 1: anticipating like on average is seven to eight percent return

1358
01:06:03,360 --> 01:06:06,720
Speaker 1: and you're living off four percent of your of what

1359
01:06:06,760 --> 01:06:10,200
Speaker 1: your investments yield or is it more so you're living

1360
01:06:10,240 --> 01:06:14,080
Speaker 1: off you if you have rental properties or is? It

1361
01:06:14,600 --> 01:06:17,760
Speaker 1: and then two like what was your fire? Number BECAUSE i,

1362
01:06:17,800 --> 01:06:21,160
Speaker 1: know like my financial, advisor my financial, planner you, KNOW i,

1363
01:06:21,160 --> 01:06:24,160
Speaker 1: MEAN i guess TECHNICALLY i don't have to work, NOW i.

1364
01:06:24,200 --> 01:06:26,520
Speaker 1: GUESS i, MEAN i just LIKE i like doing Budget,

1365
01:06:26,600 --> 01:06:29,800
Speaker 1: nista BUT i my husband AND i help out a

1366
01:06:29,840 --> 01:06:33,640
Speaker 1: lot of. People so what we spend a month is

1367
01:06:33,920 --> 01:06:36,680
Speaker 1: like half of what we spend actually goes to us

1368
01:06:36,680 --> 01:06:38,800
Speaker 1: and just the rest goes to helping family and. Friends

1369
01:06:38,960 --> 01:06:41,640
Speaker 1: but so, like what's? That what was that number for? You,

1370
01:06:41,720 --> 01:06:44,080
Speaker 1: like if we set aside this amount plus with the

1371
01:06:44,120 --> 01:06:46,840
Speaker 1: real estate coming, in we should be. Good i'm curious about.

1372
01:06:46,880 --> 01:06:49,680
Speaker 6: That, yeah so we don't have the real estate.

1373
01:06:49,680 --> 01:06:52,000
Speaker 4: Anymore, okay we sold our real estate and then we

1374
01:06:52,040 --> 01:06:55,520
Speaker 4: put that in the stock. Market but our fire number

1375
01:06:55,640 --> 01:06:58,240
Speaker 4: was based off of living in The San Francisco bay,

1376
01:06:58,240 --> 01:07:01,680
Speaker 4: Area So i'll caveat with that that that our number

1377
01:07:01,840 --> 01:07:04,120
Speaker 4: was over two, million close to two and a half.

1378
01:07:04,160 --> 01:07:07,720
Speaker 4: Million but again this is because we live in the Sand.

1379
01:07:08,080 --> 01:07:11,280
Speaker 4: Or our fire number was based off of living in

1380
01:07:11,320 --> 01:07:14,160
Speaker 4: The San Francisco bay. Area so some people will probably

1381
01:07:14,200 --> 01:07:16,720
Speaker 4: think that that can be very, high or some people

1382
01:07:16,880 --> 01:07:20,120
Speaker 4: actually think, like maybe that's. Low so it's really relative

1383
01:07:20,160 --> 01:07:23,240
Speaker 4: to where you plan on, retiring where you, live what

1384
01:07:23,280 --> 01:07:26,440
Speaker 4: your family size, is and what type of stuff you

1385
01:07:26,480 --> 01:07:28,720
Speaker 4: plan on doing in, retirement and.

1386
01:07:28,680 --> 01:07:29,880
Speaker 6: How much is that stuff going to.

1387
01:07:29,960 --> 01:07:32,560
Speaker 4: Cost so ours was close to two and a half million,

1388
01:07:32,600 --> 01:07:36,640
Speaker 4: dollars BUT i will say because we moved To portugal

1389
01:07:37,120 --> 01:07:41,120
Speaker 4: we are living off of obviously not close to. That

1390
01:07:41,280 --> 01:07:44,560
Speaker 4: because when you calculate your fire, number your the ideas

1391
01:07:44,600 --> 01:07:46,760
Speaker 4: that you can live off of four percent of your

1392
01:07:46,800 --> 01:07:51,240
Speaker 4: portfolio in order to cover your monthly expenses and then

1393
01:07:51,280 --> 01:07:54,200
Speaker 4: in turn your annual. Expenses so the idea is that

1394
01:07:54,240 --> 01:07:57,320
Speaker 4: you can pull four percent from your portfolio and then

1395
01:07:57,400 --> 01:08:01,040
Speaker 4: your portfolio could continue to. Grow, oh so that you're

1396
01:08:01,120 --> 01:08:04,240
Speaker 4: only pulling from the gains in your. Portfolio you're not

1397
01:08:04,280 --> 01:08:07,600
Speaker 4: actually pulling from the principal, balance so it continues to

1398
01:08:07,640 --> 01:08:10,280
Speaker 4: grow and you're able to continuously pull out four. Percent

1399
01:08:10,600 --> 01:08:13,360
Speaker 4: and that's based off of there's a study called The

1400
01:08:13,360 --> 01:08:17,320
Speaker 4: Trinity study that really explains this concept of the four percent,

1401
01:08:17,439 --> 01:08:20,520
Speaker 4: rule how you can live off of your portfolio and

1402
01:08:20,640 --> 01:08:23,840
Speaker 4: the portfolio allocation that you, have whether it's stocks and

1403
01:08:24,000 --> 01:08:26,599
Speaker 4: bonds or one hundred percent stocks one hundred percent. Bonds

1404
01:08:26,760 --> 01:08:29,559
Speaker 4: but the concept, is once you get your fire, number

1405
01:08:29,760 --> 01:08:31,760
Speaker 4: you're supposed to be able to live off of four

1406
01:08:31,800 --> 01:08:35,120
Speaker 4: percent of that and pull money from your, portfolio and

1407
01:08:35,160 --> 01:08:37,840
Speaker 4: that pays for all of your. Expenses but we are

1408
01:08:37,880 --> 01:08:40,720
Speaker 4: here In portugal and our expenses are much much. Lower

1409
01:08:40,840 --> 01:08:42,360
Speaker 4: like we, SAID i, mean we gave you the example

1410
01:08:42,439 --> 01:08:46,439
Speaker 4: of the healthcare how much cheaper it, is or i'd

1411
01:08:46,479 --> 01:08:49,679
Speaker 4: say how much more affordable it is here In. Portugal

1412
01:08:49,760 --> 01:08:52,080
Speaker 4: so for, us we don't have to pull a full four.

1413
01:08:52,120 --> 01:08:55,559
Speaker 4: Percent we pull under four. Percent and if you ever

1414
01:08:55,640 --> 01:08:57,880
Speaker 4: are in a situation where you're pulling less than four,

1415
01:08:57,920 --> 01:09:02,160
Speaker 4: percent then it's even better because then your portfolio.

1416
01:09:01,439 --> 01:09:03,639
Speaker 6: Can continue to grow even.

1417
01:09:03,760 --> 01:09:05,639
Speaker 4: More so the idea is if you're able to pull

1418
01:09:05,760 --> 01:09:07,920
Speaker 4: less than four, percent it can grow even.

1419
01:09:08,000 --> 01:09:09,240
Speaker 6: More and so that's a perfect.

1420
01:09:09,280 --> 01:09:13,639
Speaker 4: Situation BUT i would say for people that have different

1421
01:09:14,080 --> 01:09:17,240
Speaker 4: locations in, mind like for, example like we, said we

1422
01:09:17,240 --> 01:09:19,559
Speaker 4: were thinking about The San Francisco Bay area and we

1423
01:09:19,560 --> 01:09:20,200
Speaker 4: were thinking About.

1424
01:09:20,240 --> 01:09:23,680
Speaker 6: Portugal for, us it was really important to not.

1425
01:09:23,840 --> 01:09:27,200
Speaker 4: Retire until we hit the mark for the higher cost of,

1426
01:09:27,240 --> 01:09:29,519
Speaker 4: living which is The San Francisco Bay. Area and again

1427
01:09:29,680 --> 01:09:33,280
Speaker 4: that's because if we come here To portugal and we,

1428
01:09:33,439 --> 01:09:35,880
Speaker 4: decide you, know four or five years down the, road

1429
01:09:36,200 --> 01:09:38,960
Speaker 4: we want to return to The Bay, area or you,

1430
01:09:38,960 --> 01:09:41,040
Speaker 4: know our girls will be going away to school, soon

1431
01:09:41,360 --> 01:09:44,559
Speaker 4: not soon soon to, me but you know in another

1432
01:09:44,640 --> 01:09:47,160
Speaker 4: four and six years if they returned to The, states

1433
01:09:47,200 --> 01:09:49,720
Speaker 4: maybe at that time we'll, think, oh we should return with,

1434
01:09:49,800 --> 01:09:51,120
Speaker 4: them or maybe we want to live back in The.

1435
01:09:51,160 --> 01:09:54,600
Speaker 4: States if we would have picked a fire number associated

1436
01:09:54,640 --> 01:09:57,840
Speaker 4: with living In, portugal then we would be. Stuck we

1437
01:09:57,840 --> 01:09:59,880
Speaker 4: would be limited in terms of where we can go after.

1438
01:10:00,160 --> 01:10:03,719
Speaker 4: That so for people that have multiple areas in, MIND

1439
01:10:03,800 --> 01:10:06,880
Speaker 4: i WOULD i would recommend picking the higher cost of

1440
01:10:06,960 --> 01:10:09,600
Speaker 4: living area and then when you go live in a

1441
01:10:09,600 --> 01:10:12,200
Speaker 4: lower cost of, area you're pulling less than that four

1442
01:10:12,240 --> 01:10:14,519
Speaker 4: percent and your portfolio is able to grow even more

1443
01:10:14,560 --> 01:10:14,960
Speaker 4: because of.

1444
01:10:15,000 --> 01:10:17,920
Speaker 2: It and when you're in. Retire did that answer your? QUESTION?

1445
01:10:18,000 --> 01:10:20,280
Speaker 1: Tif, no it. DID i just said that was awesome, Here,

1446
01:10:21,280 --> 01:10:22,639
Speaker 1: Okay SO.

1447
01:10:22,640 --> 01:10:25,040
Speaker 2: I just have so many questions. NOW i wanted to

1448
01:10:25,080 --> 01:10:27,080
Speaker 2: know because you guys have your YouTube. CHANNEL i know

1449
01:10:27,120 --> 01:10:29,559
Speaker 2: you have a course now in stock. Investing when y'all were,

1450
01:10:29,560 --> 01:10:33,600
Speaker 2: planning you, know sources of income or planning your portfolio

1451
01:10:33,680 --> 01:10:37,120
Speaker 2: and hitting your fire, number did y'all, think, okay we'll

1452
01:10:37,200 --> 01:10:39,840
Speaker 2: also bring in income from our YouTube and maybe we

1453
01:10:39,880 --> 01:10:41,720
Speaker 2: can teach people and have a. Course was that part

1454
01:10:41,760 --> 01:10:45,560
Speaker 2: of your plan or was this just like a, Happenstance

1455
01:10:45,560 --> 01:10:47,360
Speaker 2: because it doesn't strike me that you guys set out

1456
01:10:47,400 --> 01:10:49,519
Speaker 2: because that's honestly one of the things that kind of

1457
01:10:49,560 --> 01:10:51,759
Speaker 2: annoys me about some. Fire i'll just be totally, frank

1458
01:10:51,800 --> 01:10:54,920
Speaker 2: As christina KNOWS i can, be but, like, YEAH i

1459
01:10:54,920 --> 01:10:56,840
Speaker 2: MEAN i kind of roll my eyes sometimes because people

1460
01:10:56,880 --> 01:10:58,439
Speaker 2: are Like, oh, Yeah i'm going to retire. Early Then

1461
01:10:58,439 --> 01:10:59,760
Speaker 2: i'm going to teach people how to do. It and

1462
01:10:59,800 --> 01:11:01,800
Speaker 2: that's How i'm going to retire early by making money

1463
01:11:01,800 --> 01:11:04,559
Speaker 2: off of the. Courses but y'all strike me as totally,

1464
01:11:04,600 --> 01:11:06,960
Speaker 2: different whereas it's kind of a you, know you did

1465
01:11:06,960 --> 01:11:09,000
Speaker 2: your fire thing and then people were asking you to

1466
01:11:09,040 --> 01:11:10,560
Speaker 2: start a, channel and you did, it and now you

1467
01:11:10,760 --> 01:11:11,960
Speaker 2: just happened to be YouTube.

1468
01:11:11,960 --> 01:11:13,760
Speaker 6: Stars, YEAH i.

1469
01:11:13,720 --> 01:11:16,400
Speaker 4: Love that you asked, that because you, know right now

1470
01:11:16,439 --> 01:11:20,479
Speaker 4: we have we have almost three hundred thousand subscribers on our,

1471
01:11:20,560 --> 01:11:24,519
Speaker 4: channel but when we, started we started a little over

1472
01:11:24,560 --> 01:11:25,320
Speaker 4: two years.

1473
01:11:25,120 --> 01:11:28,160
Speaker 6: Ago and it was the lowest start.

1474
01:11:28,240 --> 01:11:32,000
Speaker 4: Ever and when we actually, RETIRED i don't think we

1475
01:11:32,080 --> 01:11:36,640
Speaker 4: had even hit fifty thousand subscribers at that. Point and

1476
01:11:36,720 --> 01:11:39,360
Speaker 4: so for, us when we started the, channel it was

1477
01:11:39,400 --> 01:11:41,599
Speaker 4: more like a friend had mentioned it to us because

1478
01:11:41,600 --> 01:11:44,759
Speaker 4: we were. Talking we were always talking to family members

1479
01:11:44,760 --> 01:11:45,840
Speaker 4: and friends about.

1480
01:11:45,640 --> 01:11:47,880
Speaker 6: Listen you guys should be doing, this you should save this.

1481
01:11:47,960 --> 01:11:49,840
Speaker 4: MONEY i, mean we were sort of getting a little

1482
01:11:49,880 --> 01:11:52,640
Speaker 4: extra into people's, business, saying, hey why don't you invest in?

1483
01:11:52,680 --> 01:11:53,320
Speaker 6: This you should save?

1484
01:11:53,360 --> 01:11:53,680
Speaker 1: This are you?

1485
01:11:53,760 --> 01:11:57,719
Speaker 4: Doing but it just became something that we talked about

1486
01:11:57,760 --> 01:11:59,280
Speaker 4: so much that one of our friends, said, hey you

1487
01:11:59,280 --> 01:12:01,519
Speaker 4: should start this, channel and we, thought, well that is

1488
01:12:01,560 --> 01:12:04,160
Speaker 4: pretty cool because then we could tell people about, fire

1489
01:12:04,439 --> 01:12:07,040
Speaker 4: like like when we didn't know what fire was when we.

1490
01:12:07,080 --> 01:12:09,120
Speaker 4: Started if someone was sort of guiding us and telling

1491
01:12:09,240 --> 01:12:11,880
Speaker 4: us about all these, concepts that would be really. Cool

1492
01:12:12,479 --> 01:12:16,200
Speaker 4: so we started the, channel and we we absolutely did

1493
01:12:16,280 --> 01:12:18,760
Speaker 4: not think that our channel would grow like it. Was

1494
01:12:18,840 --> 01:12:21,200
Speaker 4: so it was definitely not something where we're, like oh,

1495
01:12:21,280 --> 01:12:25,680
Speaker 4: yeah we can we can rely on YouTube and just

1496
01:12:25,760 --> 01:12:28,439
Speaker 4: retire early and live off of YouTube or something like.

1497
01:12:28,479 --> 01:12:30,479
Speaker 4: That that was definitely not the.

1498
01:12:30,560 --> 01:12:33,960
Speaker 3: Case oh, yeah and it became it became kind of

1499
01:12:34,000 --> 01:12:37,320
Speaker 3: like a gift that we couldn't give. Up and WHEN

1500
01:12:37,320 --> 01:12:39,960
Speaker 3: i say a gift is we have this ability to

1501
01:12:40,040 --> 01:12:44,400
Speaker 3: be able to really share and inspire people with our YouTube.

1502
01:12:44,439 --> 01:12:47,200
Speaker 3: Channel so when we start our YouTube, channel we were

1503
01:12:47,200 --> 01:12:48,960
Speaker 3: doing it like two or three times a, week but

1504
01:12:49,000 --> 01:12:52,160
Speaker 3: since we, retired really do it once a. Week but

1505
01:12:52,200 --> 01:12:54,360
Speaker 3: it's something that we want to keep doing because so

1506
01:12:54,479 --> 01:12:57,720
Speaker 3: many people are getting getting value out of. It but

1507
01:12:58,120 --> 01:13:01,800
Speaker 3: what happened was because we made so many, videos people

1508
01:13:01,840 --> 01:13:05,519
Speaker 3: were asking us like questions that were there were very

1509
01:13:05,600 --> 01:13:07,600
Speaker 3: linear questions like how to get to a TO z

1510
01:13:08,439 --> 01:13:09,960
Speaker 3: and we would, say, oh you got to go back

1511
01:13:09,960 --> 01:13:14,080
Speaker 3: to video one hundred or video fifty. Five and so

1512
01:13:14,120 --> 01:13:16,479
Speaker 3: we were, like, okay we need to do like a

1513
01:13:16,560 --> 01:13:19,640
Speaker 3: course they walk someone FROM a TO. Z and so

1514
01:13:19,680 --> 01:13:21,360
Speaker 3: that's when we came up with the idea for the.

1515
01:13:21,400 --> 01:13:24,720
Speaker 3: Course but it, was you, know all of this was

1516
01:13:24,800 --> 01:13:28,040
Speaker 3: just it just it just kind of started to happen

1517
01:13:28,520 --> 01:13:30,599
Speaker 3: because we were being asked to do these.

1518
01:13:30,640 --> 01:13:33,000
Speaker 4: Things, yeah BUT i will also say, that you, know

1519
01:13:33,000 --> 01:13:34,960
Speaker 4: people have been asking us for a while to do

1520
01:13:35,000 --> 01:13:37,080
Speaker 4: the course and we're, like, yeah you, know maybe maybe

1521
01:13:37,120 --> 01:13:39,800
Speaker 4: we'll get around to. It but what really prompted us

1522
01:13:39,840 --> 01:13:42,960
Speaker 4: to do the course WAS. Covid, yes because we were

1523
01:13:43,000 --> 01:13:46,800
Speaker 4: stuck in the house for over over and over a.

1524
01:13:46,840 --> 01:13:49,120
Speaker 3: Month oh, yes if you see that, course my hair

1525
01:13:49,200 --> 01:13:50,960
Speaker 3: was looking raggedy the whole.

1526
01:13:51,040 --> 01:13:56,120
Speaker 4: COURSE i know it's not as bad compared to people

1527
01:13:56,200 --> 01:13:58,360
Speaker 4: some people in The, states, right but, yeah we were

1528
01:13:58,400 --> 01:14:01,080
Speaker 4: just getting, fidgety, like oh my, gosh we cannot just

1529
01:14:01,120 --> 01:14:03,559
Speaker 4: sit in this house and do. Nothing and we were

1530
01:14:03,760 --> 01:14:05,960
Speaker 4: we were telling, people you, know go out and, exercise

1531
01:14:06,240 --> 01:14:08,679
Speaker 4: go out and read or exercise in your, home, read,

1532
01:14:08,800 --> 01:14:11,880
Speaker 4: write do what you can to stay. Productive don't try

1533
01:14:11,920 --> 01:14:14,519
Speaker 4: and be, busy because busy is just sort of taking up.

1534
01:14:14,560 --> 01:14:16,880
Speaker 4: Time what can you do to be? Productive and then we,

1535
01:14:16,920 --> 01:14:19,000
Speaker 4: thought you know, what why don't we just sit down

1536
01:14:19,080 --> 01:14:20,680
Speaker 4: and really focus on creating this?

1537
01:14:20,800 --> 01:14:22,559
Speaker 6: Course AND i, think you, know.

1538
01:14:24,120 --> 01:14:26,479
Speaker 4: Because we had that extra, time it was it was

1539
01:14:26,520 --> 01:14:28,519
Speaker 4: really a fun project to be able to.

1540
01:14:28,560 --> 01:14:33,120
Speaker 2: DO i, mean y'all are so, young you're clearly incredibly.

1541
01:14:33,160 --> 01:14:39,120
Speaker 2: Intelligent you guys have so, much so much. Energy, like,

1542
01:14:39,400 --> 01:14:41,280
Speaker 2: so what does retirement look like for? Y'all can you

1543
01:14:41,320 --> 01:14:43,719
Speaker 2: kind of paint the? Picture you, know do you see

1544
01:14:43,760 --> 01:14:47,519
Speaker 2: yourselves kicking back on? Beaches, like what does your retirement look?

1545
01:14:47,600 --> 01:14:52,759
Speaker 2: Like do you think you'll be, satisfied you know with kicking,

1546
01:14:52,920 --> 01:14:55,200
Speaker 2: obviously you you, know sitting back in the house is

1547
01:14:55,520 --> 01:14:58,080
Speaker 2: not what you're excited. ABOUT i think those of us

1548
01:14:58,080 --> 01:14:59,920
Speaker 2: in quarantine are all just, like get us out of.

1549
01:15:00,080 --> 01:15:02,840
Speaker 2: Here but talk about how do y'all plan on spending

1550
01:15:02,880 --> 01:15:05,640
Speaker 2: your retirement with the next fifty years ahead of.

1551
01:15:05,640 --> 01:15:08,080
Speaker 3: You, oh we spend a lot of time at the,

1552
01:15:08,080 --> 01:15:12,360
Speaker 3: beach don't don't don't knock. That that's really. Nice so,

1553
01:15:12,720 --> 01:15:15,000
Speaker 3: uh and that's one of the nice things about living

1554
01:15:15,040 --> 01:15:17,080
Speaker 3: here In portugal is that we're near the. Water the

1555
01:15:17,160 --> 01:15:21,000
Speaker 3: outdoors are really, amazing so we do spend a lot

1556
01:15:21,040 --> 01:15:24,800
Speaker 3: of time in the. Outdoors we wanted to retire. EARLY

1557
01:15:24,840 --> 01:15:27,120
Speaker 3: a big reason was so that we could spend more

1558
01:15:27,120 --> 01:15:30,680
Speaker 3: time with our. Girls you, know after your children leave your,

1559
01:15:30,720 --> 01:15:34,720
Speaker 3: house you have already spent ninety percent of the time

1560
01:15:34,760 --> 01:15:36,479
Speaker 3: you're going to spend with them while they're in your.

1561
01:15:36,520 --> 01:15:39,280
Speaker 3: House after, that they're gone and they're you, know they're

1562
01:15:39,280 --> 01:15:41,800
Speaker 3: going to live their. Lives so that's a gift that

1563
01:15:41,840 --> 01:15:43,400
Speaker 3: we also, have is that we get to spend more

1564
01:15:43,439 --> 01:15:45,840
Speaker 3: time with our. Kids we get to coach our daughters in.

1565
01:15:45,920 --> 01:15:49,839
Speaker 3: Sports christina swims With, MALIA i play basketball With. Sona

1566
01:15:50,240 --> 01:15:55,400
Speaker 3: we volunteer a. Lot, recently we've been doing calls with

1567
01:15:55,880 --> 01:16:00,280
Speaker 3: underserved kids talking about financial, independence talking about talking about

1568
01:16:00,280 --> 01:16:04,240
Speaker 3: money and financial, literacy and so what's really great is

1569
01:16:04,240 --> 01:16:06,160
Speaker 3: that we get to do whatever we want to do

1570
01:16:06,200 --> 01:16:09,720
Speaker 3: whenever we want. To On sunday. Nights we don't have

1571
01:16:09,760 --> 01:16:13,200
Speaker 3: that anxiety That monday morning is rolling. Around so it's

1572
01:16:13,320 --> 01:16:16,640
Speaker 3: just it's really an unexplainable feeling to be able to

1573
01:16:16,720 --> 01:16:18,960
Speaker 3: have this. Freedom and it goes back to what we

1574
01:16:19,000 --> 01:16:22,680
Speaker 3: talked about, earlier making that short term sacrifice for the

1575
01:16:22,720 --> 01:16:26,040
Speaker 3: long term. Gain and, yes we're we're young and we

1576
01:16:26,120 --> 01:16:28,240
Speaker 3: have you, know we have a lot of things that

1577
01:16:28,320 --> 01:16:30,960
Speaker 3: we're that we're working, on but they're all things that

1578
01:16:30,960 --> 01:16:33,240
Speaker 3: we're passionate. About and that's what we didn't have the

1579
01:16:33,280 --> 01:16:36,320
Speaker 3: ability to do before when we were working forty hours a.

1580
01:16:36,360 --> 01:16:38,680
Speaker 3: Week you, know now we have those forty hours back

1581
01:16:38,720 --> 01:16:41,400
Speaker 3: to do whatever we want to do with. Them AND i.

1582
01:16:41,320 --> 01:16:43,759
Speaker 4: Really love that you asked that question, Too, mandy BECAUSE

1583
01:16:43,800 --> 01:16:48,960
Speaker 4: i think when people are thinking about financial independence and retiring,

1584
01:16:49,000 --> 01:16:50,559
Speaker 4: early you, know there's this. Split you could just do

1585
01:16:50,600 --> 01:16:53,720
Speaker 4: financial independence and you continue to do the job that you,

1586
01:16:53,800 --> 01:16:57,120
Speaker 4: love or you can actually retire. Early and SO i

1587
01:16:57,120 --> 01:17:00,720
Speaker 4: think when people are on that retire, early if they

1588
01:17:00,800 --> 01:17:04,520
Speaker 4: ultimately want to retire, early they really need to envision

1589
01:17:05,200 --> 01:17:07,320
Speaker 4: what they think their life is going to be like

1590
01:17:07,439 --> 01:17:07,840
Speaker 4: when they.

1591
01:17:07,880 --> 01:17:11,880
Speaker 6: Retire Because i'll tell, you if you're just sort of.

1592
01:17:11,880 --> 01:17:14,800
Speaker 4: Running from, something if you're running from your job because

1593
01:17:14,840 --> 01:17:17,439
Speaker 4: you don't like your, job and so that's the reason

1594
01:17:17,479 --> 01:17:21,320
Speaker 4: you want to, retire your retirement may not feel very

1595
01:17:21,360 --> 01:17:23,840
Speaker 4: fulfilling because then you're in retirement and it's sort of, like,

1596
01:17:23,880 --> 01:17:26,080
Speaker 4: well what DO i do? Now but if you really

1597
01:17:26,280 --> 01:17:28,120
Speaker 4: envision what your life.

1598
01:17:28,000 --> 01:17:28,800
Speaker 6: Can be like in.

1599
01:17:28,840 --> 01:17:31,439
Speaker 4: Retirement if you love to, travel if you love to,

1600
01:17:31,520 --> 01:17:33,840
Speaker 4: cook if you love to spend time with your kids

1601
01:17:33,920 --> 01:17:36,360
Speaker 4: and your, family if you love to work, out if

1602
01:17:36,400 --> 01:17:39,120
Speaker 4: you like to build. Things those are all things that

1603
01:17:39,160 --> 01:17:42,920
Speaker 4: people can run towards versus running away from, Something so

1604
01:17:42,960 --> 01:17:45,160
Speaker 4: they really have to think about if they want to pursue,

1605
01:17:45,240 --> 01:17:46,960
Speaker 4: fire what's the purpose behind.

1606
01:17:46,960 --> 01:17:52,000
Speaker 2: THAT i love that you guys have inspired me to

1607
01:17:53,040 --> 01:17:57,519
Speaker 2: expand my own possibilities for what the next decade and

1608
01:17:57,560 --> 01:17:59,920
Speaker 2: beyond can look. Like AND i love that you guys

1609
01:18:00,680 --> 01:18:04,439
Speaker 2: have you've proven TO i think so many people like

1610
01:18:04,520 --> 01:18:06,439
Speaker 2: don't even know how to imagine a world where they

1611
01:18:06,439 --> 01:18:09,840
Speaker 2: don't work for someone, else you, know like or and

1612
01:18:09,880 --> 01:18:11,800
Speaker 2: if they don't work for someone then it's like owning

1613
01:18:11,800 --> 01:18:14,960
Speaker 2: their own business or. Whatever but what about a world

1614
01:18:15,080 --> 01:18:19,639
Speaker 2: where you're just free, to you, know work on what

1615
01:18:19,720 --> 01:18:24,240
Speaker 2: you find, fulfilling be with your, family like it's really

1616
01:18:24,280 --> 01:18:26,320
Speaker 2: it's it's a little sad to me that this is

1617
01:18:26,400 --> 01:18:30,439
Speaker 2: such like an extraordinary mindset to, Have but you guys

1618
01:18:30,479 --> 01:18:34,120
Speaker 2: truly are extraordinary because you have you've seen, it and

1619
01:18:34,160 --> 01:18:36,519
Speaker 2: you said this should be the, Normal like this should

1620
01:18:36,520 --> 01:18:38,680
Speaker 2: be the, Norm this will be our. Normal we are

1621
01:18:38,680 --> 01:18:40,360
Speaker 2: going to create the life that we. Want AND i

1622
01:18:41,000 --> 01:18:44,799
Speaker 2: it really resonates with, me if you can't, tell BECAUSE

1623
01:18:44,840 --> 01:18:48,160
Speaker 2: i feel LIKE i am on this path toward this

1624
01:18:50,240 --> 01:18:53,840
Speaker 2: a good, life but a good life according to the you,

1625
01:18:53,880 --> 01:18:57,559
Speaker 2: know what's what's considered the norm In america and what's

1626
01:18:57,600 --> 01:19:00,600
Speaker 2: considered a good life according TO i don't know what

1627
01:19:00,680 --> 01:19:04,799
Speaker 2: the mainstream idea of a good life. Is And i'm

1628
01:19:05,000 --> 01:19:08,400
Speaker 2: starting to even challenge my own expectations and challenge some

1629
01:19:08,479 --> 01:19:10,639
Speaker 2: of the own some of my own ways of thinking

1630
01:19:10,720 --> 01:19:13,600
Speaker 2: about the next couple of decades in my. Life AND i,

1631
01:19:13,640 --> 01:19:15,799
Speaker 2: mean even just being stuck in quarantine with my. Baby

1632
01:19:15,920 --> 01:19:17,400
Speaker 2: you can probably hear me in the. Background he's a

1633
01:19:17,479 --> 01:19:19,439
Speaker 2: very vocal. Eater he gets really.

1634
01:19:19,200 --> 01:19:20,519
Speaker 1: Mad very.

1635
01:19:20,520 --> 01:19:25,200
Speaker 2: Angry he's my. Child but even just being in, Quarantine i'm, like,

1636
01:19:25,439 --> 01:19:27,360
Speaker 2: oh SO i could just work at home and be

1637
01:19:27,520 --> 01:19:29,320
Speaker 2: with the baby all the. Time this isn't that bad.

1638
01:19:30,320 --> 01:19:33,600
Speaker 2: ANYWAY i just want to thank y'all Because i'm so

1639
01:19:33,720 --> 01:19:38,599
Speaker 2: glad that you are sharing your story AND i know

1640
01:19:38,640 --> 01:19:41,760
Speaker 2: that forget about you, know we can forget about race

1641
01:19:41,840 --> 01:19:44,080
Speaker 2: for a. SECOND i, mean the show is Called Brown,

1642
01:19:44,120 --> 01:19:47,120
Speaker 2: ambition so it's always. There we acknowledge we are two

1643
01:19:47,160 --> 01:19:50,120
Speaker 2: black women speaking to an, audience and first and foremost

1644
01:19:50,200 --> 01:19:52,360
Speaker 2: we want to talk to other black women and how

1645
01:19:52,400 --> 01:19:54,800
Speaker 2: to build wealth because we understand, that you, know there's

1646
01:19:54,800 --> 01:19:56,479
Speaker 2: not a lot of people like us talking to. Them

1647
01:19:56,520 --> 01:20:00,240
Speaker 2: AND i am you guys are like, unicorns you know

1648
01:20:00,280 --> 01:20:03,639
Speaker 2: in The fire, movement a black couple with two daughters

1649
01:20:03,680 --> 01:20:06,479
Speaker 2: and your girls seeing. Them AND i even said this

1650
01:20:06,520 --> 01:20:08,760
Speaker 2: To christina in the. EMAIL i really meant. It if

1651
01:20:08,800 --> 01:20:11,960
Speaker 2: ONLY i had seen your two girls talking about financial

1652
01:20:13,080 --> 01:20:16,880
Speaker 2: Financial uh what AM i? Thinking? Like what are we

1653
01:20:16,920 --> 01:20:19,800
Speaker 2: talking about, investing investing in all building at a young

1654
01:20:19,840 --> 01:20:22,599
Speaker 2: age WHEN i, was you, know twelve or. Thirteen y'all

1655
01:20:22,600 --> 01:20:26,000
Speaker 2: are so important and your stories are so. Important AND

1656
01:20:26,040 --> 01:20:29,680
Speaker 2: i and thank y'all for using your time when you

1657
01:20:29,680 --> 01:20:33,840
Speaker 2: could be doing anything else to educate and pour back

1658
01:20:33,840 --> 01:20:36,640
Speaker 2: into communities who may not be getting this kind of.

1659
01:20:36,680 --> 01:20:39,760
Speaker 2: KNOWLEDGE i it just It's i'll shut up, now but

1660
01:20:39,800 --> 01:20:41,120
Speaker 2: it's just y'all are the.

1661
01:20:41,240 --> 01:20:43,720
Speaker 1: Best thank you so. Much it's so.

1662
01:20:43,880 --> 01:20:47,040
Speaker 6: Nice it's it's so. Nice so you, know we wanted

1663
01:20:47,040 --> 01:20:49,120
Speaker 6: to talk to you guys. Anyway so it was just, like.

1664
01:20:49,160 --> 01:20:52,000
Speaker 3: Oh it's your, baby this is it?

1665
01:20:52,080 --> 01:20:52,720
Speaker 2: Right like.

1666
01:20:54,840 --> 01:20:57,000
Speaker 1: E pitome of brown, ambition AND i think that it's

1667
01:20:57,040 --> 01:20:59,559
Speaker 1: just good for people to see that life can be lived,

1668
01:20:59,600 --> 01:21:00,760
Speaker 1: different you, know.

1669
01:21:03,120 --> 01:21:05,960
Speaker 2: Say and one hundred million less words than WHAT i.

1670
01:21:06,000 --> 01:21:11,920
Speaker 1: Used now just for, me just Because amandy AND i

1671
01:21:12,000 --> 01:21:14,880
Speaker 1: are the way we live is so, different so they

1672
01:21:14,880 --> 01:21:18,800
Speaker 1: get to see different sides of like from both of

1673
01:21:18,880 --> 01:21:21,240
Speaker 1: us being bosses in our own, right but via the

1674
01:21:21,240 --> 01:21:23,280
Speaker 1: corporate side or owning your own. Business so this is

1675
01:21:23,320 --> 01:21:26,880
Speaker 1: just a nice we're pre. From this is another way to,

1676
01:21:26,960 --> 01:21:29,760
Speaker 1: live and people can find themselves in your. Journey so

1677
01:21:29,800 --> 01:21:32,280
Speaker 1: we do really thank, you thank, you thank you.

1678
01:21:32,320 --> 01:21:34,880
Speaker 6: Guys, Yeah i'm so glad we able to talk to.

1679
01:21:34,920 --> 01:21:35,120
Speaker 4: You.

1680
01:21:35,760 --> 01:21:39,080
Speaker 2: Well thank, y'all and and go live your fabulous lives

1681
01:21:42,160 --> 01:21:44,720
Speaker 2: on folks where they can find. You your your Our

1682
01:21:44,840 --> 01:21:49,559
Speaker 2: Rich journey on, YouTube On, instagram anything else y'all want

1683
01:21:49,600 --> 01:21:50,600
Speaker 2: to anything you'll want to.

1684
01:21:50,640 --> 01:21:54,040
Speaker 4: Promote oh, no you know you mentioned our daughters. Too

1685
01:21:54,080 --> 01:21:56,519
Speaker 4: they have their channel out so it's Called Our Rich Journey.

1686
01:21:56,600 --> 01:22:00,439
Speaker 4: Junior So i'll show the kids some. Love, yeah check

1687
01:22:00,479 --> 01:22:01,120
Speaker 4: the girls out.

1688
01:22:01,160 --> 01:22:03,760
Speaker 3: Also, yeah but that's really where you can find us

1689
01:22:03,840 --> 01:22:08,240
Speaker 3: is on YouTube Or instagram At Rich journey and send

1690
01:22:08,320 --> 01:22:11,800
Speaker 3: us a. Message we eventually get to all of the.

1691
01:22:11,880 --> 01:22:14,040
Speaker 3: QUESTIONS i, mean we are, retired we have nothing else to.

1692
01:22:14,080 --> 01:22:18,599
Speaker 1: DO i love.

1693
01:22:18,640 --> 01:22:22,200
Speaker 2: It join the. Journey that's how you always end your YouTube.

1694
01:22:22,280 --> 01:22:26,960
Speaker 2: Videos go join the. Journey thank y'all for sharing your

1695
01:22:27,000 --> 01:22:28,880
Speaker 2: story with. US i would love to have y'all on

1696
01:22:28,880 --> 01:22:33,080
Speaker 2: the show again sometime in the. Future but be, well stay. Healthy,

1697
01:22:33,479 --> 01:22:35,720
Speaker 2: YES i, mean, honestly y'all should be wishing us. LUCK

1698
01:22:35,720 --> 01:22:37,880
Speaker 2: i feel like we're the ONE i feel like y'all

1699
01:22:37,880 --> 01:22:40,160
Speaker 2: are on the right track In. Portugal but, yeah be,

1700
01:22:40,280 --> 01:22:42,560
Speaker 2: well stay, healthy and thank y'all again for coming on the.

1701
01:22:42,600 --> 01:22:43,840
Speaker 1: Show, yes thanks so.

1702
01:22:43,960 --> 01:22:44,160
Speaker 3: Much.

1703
01:22:44,280 --> 01:22:48,720
Speaker 2: Guys Whoa, Okay so DID i embarrass? Myself was that

1704
01:22:48,760 --> 01:22:49,559
Speaker 2: too much of a fan?

1705
01:22:49,640 --> 01:22:49,840
Speaker 1: Girl?

1706
01:22:49,960 --> 01:22:51,640
Speaker 2: No they were For christina And.

1707
01:22:51,760 --> 01:22:55,840
Speaker 1: Ma, honestly they were, amazing and THEY i, mean as

1708
01:22:55,960 --> 01:22:58,120
Speaker 1: much AS i think that we're pretty, FRUGAL i, mean,

1709
01:22:58,160 --> 01:22:59,559
Speaker 1: YES i, know you, know we, splorers but you know

1710
01:22:59,600 --> 01:23:01,640
Speaker 1: you AND i are pretty like so go with our

1711
01:23:01,680 --> 01:23:04,680
Speaker 1: finances and savvy with our. Finances it just made me

1712
01:23:04,840 --> 01:23:08,240
Speaker 1: look at some of the choices that i'm you, know

1713
01:23:08,280 --> 01:23:10,400
Speaker 1: That i'm choosing for myself and my family a little bit.

1714
01:23:10,400 --> 01:23:14,000
Speaker 1: Differently so it was so. Amazing i'm totally gonna stock

1715
01:23:14,040 --> 01:23:15,639
Speaker 1: them on, YouTube so just so they know.

1716
01:23:15,800 --> 01:23:18,840
Speaker 2: Their channel is. GOOD i know, that and it's worth

1717
01:23:18,840 --> 01:23:20,760
Speaker 2: a time. TOO i THINK i just turned on their

1718
01:23:20,840 --> 01:23:22,559
Speaker 2: channel AND i just had it on for an entire.

1719
01:23:22,600 --> 01:23:26,479
Speaker 2: Weekend they're they're they're, truly really knowledgeable and if you

1720
01:23:26,520 --> 01:23:29,320
Speaker 2: hear things banging in the, background it's just the babies.

1721
01:23:29,320 --> 01:23:30,240
Speaker 2: Here hey, See hey.

1722
01:23:30,280 --> 01:23:31,040
Speaker 1: Everybody.

1723
01:23:32,280 --> 01:23:35,040
Speaker 2: YEAH i think it's great to hear different. Perspectives and

1724
01:23:35,479 --> 01:23:37,759
Speaker 2: they call it our rich. Journey because it's their journey

1725
01:23:37,800 --> 01:23:39,800
Speaker 2: doesn't mean that it's the right journey or the one

1726
01:23:39,840 --> 01:23:42,640
Speaker 2: that you need to. Take BUT i think in so

1727
01:23:42,720 --> 01:23:45,920
Speaker 2: many ways you need to see someone else living life

1728
01:23:45,960 --> 01:23:48,160
Speaker 2: by example so that you start to think about what's

1729
01:23:48,200 --> 01:23:52,160
Speaker 2: possible for. Yourself AND i think for you, Know i've

1730
01:23:52,160 --> 01:23:55,639
Speaker 2: been pretty cynical about the whole fire, movement and they

1731
01:23:55,680 --> 01:23:58,160
Speaker 2: have totally changed the WAY i think about. It and

1732
01:23:58,200 --> 01:24:00,880
Speaker 2: they have shown me that there's like IF i was

1733
01:24:00,920 --> 01:24:02,559
Speaker 2: going to do, fire this is the way to do.

1734
01:24:02,680 --> 01:24:07,280
Speaker 2: Yes and it's about. Freedom it's about. Freedom it's the

1735
01:24:07,320 --> 01:24:10,200
Speaker 2: freedom that people have who are lucky enough to come

1736
01:24:10,240 --> 01:24:14,080
Speaker 2: from wealthy family or you, know to have inheritances or you,

1737
01:24:14,080 --> 01:24:16,519
Speaker 2: know things like. That it's creating a space for yourself

1738
01:24:16,560 --> 01:24:18,400
Speaker 2: where you can do whatever the f you want and

1739
01:24:18,439 --> 01:24:21,320
Speaker 2: you're not trapped in this cycle of you, know someone

1740
01:24:21,320 --> 01:24:23,559
Speaker 2: else's version of success just so you can get.

1741
01:24:23,560 --> 01:24:25,439
Speaker 1: By. NO i love. THAT i just, yeah LIKE i,

1742
01:24:25,439 --> 01:24:28,280
Speaker 1: Said i'm going to totally stalk their, page rethink some

1743
01:24:28,320 --> 01:24:29,559
Speaker 1: of the things choices that we're.

1744
01:24:29,600 --> 01:24:34,559
Speaker 2: Making and do you Think supergirl will check out their

1745
01:24:34,600 --> 01:24:35,839
Speaker 2: junior the junior?

1746
01:24:35,960 --> 01:24:40,439
Speaker 1: Edition maybe She certainly she's working now and she's making some,

1747
01:24:40,520 --> 01:24:44,439
Speaker 1: money and so entrepreneurship is something that she has been

1748
01:24:44,520 --> 01:24:47,760
Speaker 1: really interested in and she's been doing. That like you,

1749
01:24:47,800 --> 01:24:49,439
Speaker 1: know she has her own lip gloss line that's On,

1750
01:24:49,520 --> 01:24:53,439
Speaker 1: etsy and WHAT i, know she don't. Know SO i

1751
01:24:53,439 --> 01:24:55,200
Speaker 1: don't know if remember that she, was you, know LIKE

1752
01:24:55,240 --> 01:24:56,760
Speaker 1: i told, you like a little while, ago she was

1753
01:24:56,760 --> 01:24:58,800
Speaker 1: hawking these rubber band bracelets that she made from a

1754
01:24:58,880 --> 01:25:01,840
Speaker 1: kid someone gave her for career because she REMEMBER i told,

1755
01:25:01,880 --> 01:25:04,880
Speaker 1: you she wanted My superman AND i to invest in her.

1756
01:25:04,880 --> 01:25:06,559
Speaker 1: Business and she's like for the low rate of four

1757
01:25:06,640 --> 01:25:08,880
Speaker 1: hundred and fifty. DOLLARS i was, like, oh you tried,

1758
01:25:08,920 --> 01:25:10,280
Speaker 1: It so we wait a.

1759
01:25:10,280 --> 01:25:12,639
Speaker 2: Second we have not talked about so.

1760
01:25:12,520 --> 01:25:15,600
Speaker 1: That's what she wanted because she wanted to start the lipgloss.

1761
01:25:15,640 --> 01:25:19,280
Speaker 1: Business so she did this whole presentation where she was,

1762
01:25:19,320 --> 01:25:20,880
Speaker 1: like this is how much it's going to cost me

1763
01:25:21,200 --> 01:25:23,840
Speaker 1: to get all the materials and THINGS i Need and

1764
01:25:23,880 --> 01:25:26,640
Speaker 1: we were, like, yeah, no the most you're getting is.

1765
01:25:26,640 --> 01:25:29,000
Speaker 1: Fifty and even if you get, fifty that's because you

1766
01:25:29,000 --> 01:25:31,120
Speaker 1: have to earn. Fifty that's the most you're squeezing out of.

1767
01:25:31,160 --> 01:25:34,880
Speaker 1: Us so need let's just say she wasn't. Happy but

1768
01:25:35,080 --> 01:25:38,280
Speaker 1: what she did do is somebody gave her this rubber

1769
01:25:38,280 --> 01:25:40,400
Speaker 1: band kit where you can make braceleton rings out of

1770
01:25:40,439 --> 01:25:43,400
Speaker 1: these like, cool like brightly colored rubber. Bands so she

1771
01:25:43,400 --> 01:25:45,559
Speaker 1: started making them and she started selling, them and she

1772
01:25:45,600 --> 01:25:48,200
Speaker 1: made a few hundred bucks on her. Own she didn't

1773
01:25:48,200 --> 01:25:51,000
Speaker 1: even need our, fifty thank you very. Much and then

1774
01:25:51,479 --> 01:25:54,160
Speaker 1: graduation money kicked in and she was able to fund

1775
01:25:54,200 --> 01:25:57,320
Speaker 1: her own business with graduation money and her rubber band.

1776
01:25:57,640 --> 01:26:00,120
Speaker 1: Business it was like the business to fund the. Business so,

1777
01:26:00,240 --> 01:26:02,679
Speaker 1: NOW i, mean she literally spends hours a day making

1778
01:26:02,680 --> 01:26:05,800
Speaker 1: her lip gloss kits and like putting them. Together And

1779
01:26:05,840 --> 01:26:07,840
Speaker 1: i'm honestly really proud of her Because i'm, like look a,

1780
01:26:07,960 --> 01:26:10,040
Speaker 1: supergirl you know who she's trying to be, like right

1781
01:26:10,080 --> 01:26:11,639
Speaker 1: as much as she tries to act like she don't

1782
01:26:11,640 --> 01:26:18,599
Speaker 1: want to be like, me but.

1783
01:26:15,920 --> 01:26:18,400
Speaker 2: That's how it goes, Though like she can't let you

1784
01:26:18,479 --> 01:26:20,360
Speaker 2: know that you inspire her and that she loves you

1785
01:26:20,400 --> 01:26:21,840
Speaker 2: and wants to be just like you when she grows.

1786
01:26:21,920 --> 01:26:23,120
Speaker 2: Up but she's WATCHING i.

1787
01:26:23,200 --> 01:26:25,599
Speaker 1: Know so like, no but honestly it's really dope to

1788
01:26:25,600 --> 01:26:29,160
Speaker 1: like watch her. Navigate, yeah, no AND i will say like.

1789
01:26:29,560 --> 01:26:32,280
Speaker 1: Will this is like a little. Aside SO i signed

1790
01:26:32,280 --> 01:26:35,320
Speaker 1: her up For Black Girls, lead like The summer The

1791
01:26:35,360 --> 01:26:37,759
Speaker 1: digital kind of Like Summer, CAMP i guess for girls

1792
01:26:38,120 --> 01:26:41,360
Speaker 1: that's hosted By Black Girls rock And Michelle obama did

1793
01:26:41,400 --> 01:26:44,880
Speaker 1: the opening speech and then Came Missy copeland and then somebody.

1794
01:26:44,880 --> 01:26:46,679
Speaker 1: Else SO i THINK i was, fourth like right After

1795
01:26:46,680 --> 01:26:49,400
Speaker 1: Michelle obama geeked and the next day she was, Like,

1796
01:26:49,600 --> 01:26:53,040
Speaker 1: tiffy do you know that your session was top rated for.

1797
01:26:53,160 --> 01:26:55,200
Speaker 1: Yesterday i'm, like what do you? Mean she was, like

1798
01:26:55,240 --> 01:26:57,040
Speaker 1: we had to vote who our favorite, was and you

1799
01:26:57,080 --> 01:26:59,479
Speaker 1: got twenty eight percent of the. VOTES i was, like not,

1800
01:26:59,560 --> 01:27:02,640
Speaker 1: over Miss. Michelle, YES i was like these.

1801
01:27:02,720 --> 01:27:04,640
Speaker 2: KIDS i mean not That i'm, surprised of, COURSE i

1802
01:27:04,760 --> 01:27:06,880
Speaker 2: know that you're, fabulous BUT i was.

1803
01:27:06,920 --> 01:27:08,600
Speaker 1: Like But, Honestly i'm, like these kids don't know no

1804
01:27:08,640 --> 01:27:10,920
Speaker 1: better because don't nobody Beat. Michelle BUT i take. It

1805
01:27:11,960 --> 01:27:14,280
Speaker 1: she was like Super, yeah she was super excited because

1806
01:27:14,280 --> 01:27:16,360
Speaker 1: she was like because in IT i had pre recorded.

1807
01:27:16,360 --> 01:27:18,559
Speaker 1: MINE i talked about her and used her as an

1808
01:27:18,560 --> 01:27:20,240
Speaker 1: example of how you can make money on your. Own

1809
01:27:20,640 --> 01:27:22,679
Speaker 1: so for the girls to listen and, WATCH i could

1810
01:27:22,680 --> 01:27:25,400
Speaker 1: tell she felt really, Special like it's, me she's talking about,

1811
01:27:25,439 --> 01:27:26,800
Speaker 1: Me so we're friends again for?

1812
01:27:26,960 --> 01:27:31,719
Speaker 2: Now right? Now amen to that. Listen oh that's. AMAZING

1813
01:27:31,800 --> 01:27:34,760
Speaker 2: i can't wait to see How rio grows. Up I'm

1814
01:27:35,160 --> 01:27:37,240
Speaker 2: i'm kind of obsessed with thinking about what he'll, be

1815
01:27:37,360 --> 01:27:41,519
Speaker 2: And i'm JUST i, think as a, Parent i'm afraid

1816
01:27:41,960 --> 01:27:43,600
Speaker 2: because you know how like your kids will do the

1817
01:27:43,600 --> 01:27:46,599
Speaker 2: opposite of what you want, sometimes LIKE i don't want,

1818
01:27:46,600 --> 01:27:48,519
Speaker 2: TO i don't like how much is too? Much and

1819
01:27:48,920 --> 01:27:51,439
Speaker 2: SHOULD i go like all in on teaching him? STUFF

1820
01:27:51,520 --> 01:27:53,080
Speaker 2: i let him find it on his. OWN i don't.

1821
01:27:53,080 --> 01:27:55,160
Speaker 2: Know that's Why i'm so fascinated By christina And i'm

1822
01:27:55,240 --> 01:27:57,360
Speaker 2: on because their girls seem to have such a healthy

1823
01:27:57,880 --> 01:28:01,280
Speaker 2: not just not only do they understand the different financial

1824
01:28:01,280 --> 01:28:03,760
Speaker 2: topics that their parents talk, about but they're all so

1825
01:28:03,960 --> 01:28:06,559
Speaker 2: curious and excited to do it, Themselves like how.

1826
01:28:06,439 --> 01:28:07,000
Speaker 4: Did they do?

1827
01:28:07,040 --> 01:28:09,559
Speaker 2: THAT i Know i'm going to be studying them FOR i,

1828
01:28:09,680 --> 01:28:14,280
Speaker 2: know in a really creepy, way just Sending i'm just

1829
01:28:14,320 --> 01:28:17,240
Speaker 2: going to slide into their dms all the. Time, WELL

1830
01:28:17,280 --> 01:28:19,880
Speaker 2: i loved having them on the. Show and if y'all,

1831
01:28:19,960 --> 01:28:21,840
Speaker 2: like who else are we? Missing who else are y'all,

1832
01:28:21,840 --> 01:28:24,240
Speaker 2: like who's on? YouTube who's out there that who have

1833
01:28:24,479 --> 01:28:26,519
Speaker 2: fabulous stories that are inspiring y'all that y'all want to

1834
01:28:26,520 --> 01:28:28,720
Speaker 2: hear more. From we'd love to get in touch with

1835
01:28:28,760 --> 01:28:29,880
Speaker 2: them and have more folks on the.

1836
01:28:29,920 --> 01:28:32,599
Speaker 1: Show we certainly, Would we certainly.

1837
01:28:32,680 --> 01:28:37,240
Speaker 2: Would All, Right, well thank y'all for another beautiful week

1838
01:28:37,240 --> 01:28:38,880
Speaker 2: Of Brown. Ambition we'll see y'all next.

1839
01:28:38,880 --> 01:28:45,320
Speaker 1: Week next. Week