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I agree with your perspective of reversing the 4% rule as an estimate of pension value. It is fortunate to have a three legged stool instead of just two legs! Less likely to fall over so to speak.... I will be making that video, thanks for watching and taking the time to comment.

Sorry to hear you were laid off and happy to hear you were able to make things work out. Seems like practicing one paycheck life is a good path. Cheers to cushioning your emergency fund, I'm cheering you on! Thanks for watching and taking the time to comment, it is very much appreciated!

it is striking how much eating out costs these days! Good luck on your goal. Thank you for sharing that sweet memory of you and your grandpa! Motivating. Hopefully we will have the boat upgrade before our grandchild can bait a hook!

Sorry to hear you are miserable, miserable with the female version of RSV. Sounds terrible. You have my empathy and glad you can see a bright side! Cheers to paying off debt in 2025 and speedy healing!

OH my goodness, no the clear folding packages that produce come in. Although my brother visited somewhere, I forget where, that had bins on the street for recycling actual clam shells! Forget where it was....

Congratulations! I love to hear of all the success stories. Cheers to frugal living and thanks for watching and commenting!

That is the truth!

Thank you for taking the time to let me know and thank you for subscribing! I am glad you are finding the videos helpful and inspiring. If you ever have suggestions for videos I would love to hear them!

Wonderful! I love debt trackers so much and it is fun to make them colorful. I saved all my old ones to remind me how far we have come. Good luck on meeting your goals!

Indeed. It was a little tense there for for a bit, trying to trust it would be fixed and so glad it was. Thanks for watching and commenting.

Oh interesting, that must have been frustrating. "Butt Dial" suspension!!😂

Oh, I am so glad to hear the video was helpful. Yes, even with the best of intentions it is nice to have external forces reminding us of our goals to keep ourselves accountable.

Cheers to you for making that brave move, it is hard to start over and I haven't had to do it for a few decades I have only been to Nashville in TN but I really enjoyed visiting. Small towns are becoming more attractive to me as I plan for retirement!

Wonderful, cheers to you. Cleaning is a great addition to the list, beyond just cluttering taking care of what we have is a great positive enforcement. Cheers to you and good luck!

@@JuliesRichLifethank you for the encouragement. It feels great to have a community of like minded people. ❤

@@sagenozko9317 Amen to that!

I am impressed by your current grocery budget and your goal, amazing! In January (actually starting today) my goal is to see how long I can go without going grocery shopping since my childcare children don't return until January 6. Cheers to using what we already have!

I am going to try and do a low buy for January/February/March. This will involve only buying things I need to make what I already have to make a meal. No additional toiletries or cleaning products. I intend to try making my own cleaning products as things run out. Apart from the cost and the chemicals in cleaning products there is also the issue of storing all these products. As far as cloths shoes and household items these are all No buy.

@@patmartin9727 A low buy quarter, wonderful! Making cleaning products is a great idea. I just use dawn dish soap mixed with water for most cleaning and vinegar and water for windows. Bleach for sanitizing. There are some really fun recipes for cleaning products, as I'm sure you know. Wishing you the best of luck!

Well earlier than many, anyway! Cheers to big goals!

Oh good luck to you! Hope you found some helpful tips in meeting that goal and please share any other tips you may have!

@@JuliesRichLife well I totally can not buy pants

@@kimkirksey562 LOL. Just say no to pants!

Oh yes and Boxing Day is the busiest shopping day of the year so cheers to you staying out of the stores, too many temptations!

YES! When c8v9d hit, my bank account grew like crazy. I looked back and it was because the stores were all closed.

@@RuthWomick indeed!

Oh wow, that is incredible. A no spend year is somewhere in my future but not sure when! My no spend month was just for myself but I do have the same habit of wanting to say "yes go ahead and spend that" when I probably should say, let's wait until next month. Good luck and I hope you report back with what you learn!

Doing a low spend year for 2025. My house needs a new roof, and I am determined to pay for it in cash. Decluttering, organizing and deep cleaning the house will remind me that I already have everything I need. I mark the days I don't spend any money on my paper calendar - looking at it motivates me to keep going.

@@kell1408 I'm cheering you on! We had to replace our roof two years ago, incredible how much it costs! Having paper trackers are very motivating to me as well, helps to have that motivation in plain sight and so rewarding to cross off those days! And your decluttered extra clean house will match your shiny new roof!😀

Ah thanks so much and thanks for watching and taking the time to comment! It is appreciated!

I'm hear cheering you on, inspiring goal!

I don’t see the point in net worth. It’s just for people who need confirmation.

@@niki9638 I have such mixed feelings about net worth calculation goals. I do feel it is a component of confirming when I'll retire and what that might look like.

@@JuliesRichLife we fell in love with slow southern living and will never leave. The money we say it will help our family out generationally we are so grateful.

Welcome,! I'm so glad you found me. The retiring to question seems to be weighing heavily for me lately! Thanks for taking the time to comment, it is really appreciated!

Ah good, car shopping just seems like it would get less and less fun with age, but then I am not really a car person...

Thanks Des, your positivity is always appreciated! Ooh, vloging it is a great idea, hopefully sooner than later!

MMM, depends on the definition of crazy I guess. Part of the process for me is that I know what I will retire into, which I am still working out. Indeed I don't want to waste the strength I still have left. Thanks for watching!

There is a couple that retired at 39 and 40 called Our Rich Journey...whether it's a waste of time depends on your perspective! That couple is living their best life

@@Maiseymax696 I love them! They are a great source of inspiration. The definition of retirement affects perspective of whether time is wasted indeed.

Exactly My point! The 9 to 5 grind is just not worth it the stress and low payoff. What specific steps did you take to break free?

Working with Lorrie Greta Hillard , a financial advisor, was a game changer. She helped me refine my savings strategy, including retirement planning, and provided expert guidance on investments and budgeting to maximize my savings.

Got it! Thanks for the tip! I was curious, so I looked up Lorrie

I have 5 more years and I can’t wait!

Congratulations and cheers to financial freedom!

How did you manage to save up so much so quickly?

The strategy was all thanks to Lorrie Greta Hillard, a brilliant financial advisor. She helped me create a personalized budgeting plan, track my expenses, and prioritize savings effectively. Her expertise made all the difference in reaching my financial goals!

Thanks for the tips! I was curious, so I did a little research and looked up the name.

So done with 9-5, its Depressing!

Sorry to hear you were laid off, sounds like you have certainly rebounded well. Congratulations! Cheers to precise and committed detailed conscious spending plan/budgeting and to investing in your future!

Wonderful! It is incredible how many great pet shelters and wildlife rehabilitators there are in need of volunteers and $$$. Thanks for taking the time to share!

@niki9638 Mine too! I especially love donating to rehabilitators who take in the senior animals.😸

Yep, I volunteer and donate regularly

@@YodpilotID Wonderful, bless you!

Thanks for your continuing kind comments and support of my little channel. Being teachers definitely adds to our rich life though maybe not in the pocketbook, so to speak, but there are lots of perks!

I hang measuring cups within it . When those are in the dishwasher I take out the little hooks because I think it just looks better without the hooks on camera. Someday maybe I'll get really good with overlays and my text will fit right within the frame - editing goals! Or maybe just make sure the measuring cups are washed before filming...🤣

Thanks for saying so, it is one of my favorite childhood memories and I hope I can create similar memories with my granddaughter! We overpaid $300 for her mother's birth and that was a huge chunk of change for us at the time! Unfortunately I had no money rules yet and the money just went into the budget which I am sure we really needed!

Cheers to five more for you! Sometimes I have to pinch myself to see how much bigger my budget is than it was just a few years ago when I was in debt and supporting three teenagers. This toddler teacher has a public school teacher sugar daddy... 🤣 A lot of my planning I do with paper and pen but as life got a little busier it was harder to keep up and keep track of other people's receipts. I still do my yearly planning in my paper journal. There is something about the physical act of writing things out that helps it stick in my brain and feel committed to it. Thanks for watching and commenting. It is nice building community in this little corner of the internet.