How I retired at 36, and spent 20 years sailing (FIRE, Minimalism, and when "Enough" is Enough)
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- เผยแพร่เมื่อ 8 มิ.ย. 2024
- I retired young to live a life of travel and adventure. I think people looking into early retirement or f.i.r.e (financial independence retire early) might like to hear from someone who has been living this way for 30 years.
Since this question gets asked a lot in the comments: I drive a 2001 Mercedes s500 (w220), the last really great model made. Emily drives a 1985.5 Porsche 944, a car older then her. Both are currently for sale in Florida since we are out of the country most of the time sailing.
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There seems to be a balance of naysayers and “agree-ers” (if that’s even a word) here.
To ones that agree with this guy or at least agree with most of what he’s saying, you will be very successful at one point or another in your lives. You take what you hear and try to see how to make it work for your situation.
To the naysayers, my advice - stop assuming anything, accept your don’t know anything, take what you hear and do your research. There is no more excuse for not reaching your dreams. Take responsibility for your own future. Stop blaming others, society, the government, your bad job, etc. I’ve heard all those excuses. Nothing irks me more than hearing people blame everything and everyone around them but fail to take responsibility for themselves. Educate yourself. Almost everyone on this planet have internet access. Use it wisely. LEARN, LEARN and LEARN some more. I don’t mean “degree” type learning. Learn practical things. Learn about money. There are millions of blogs, podcasts, TH-cam videos, websites, books, audiobooks talking about money. Just LEARN.
What this guy is saying is so simple but you have to find your own way. Get help if you need it. Ask people. Comment on here. Just do something.
This can be done in just a few years, no matter your income level. We all have choices to make. Choose yourself and you will be very successful.
You said it all with just two words. Choose yourself. Everything will flow from that.
Choose yourself, how beautiful. I wonder since long time, but never managed to understand money, can you help?
Also about, what kind of job to get, or what to study... .
Please watch the other videos in this playlist. We go into detail on how to invest. We plan on some more of these soon including a similar one from Emily so I suggest you subscribe and click the bell button.
This is one of the best comments I've read on TH-cam. Thanks for taking the time to help others.
It's true, by choosing yourself over others you can profit in a capitalist system. Selfishness is rewarded as a virtue.
The problem with most people is, They Work Really Hard to Build Other People Dreams, and They Don't Work to Build Theirs.
work-work-work doesn't means success.
I learned that at 38 and ran from it
Exactly, I'm betting this guy didn't have wife or children that hindered him from his dream. Most marriages one understands money& one doesn't sucking the other one dry.
@@awesomeone465 Sounds like a marriage that should have never happened in the first place, cause that's NOT a partnership you're describing. There are literally thousands of YT channels WITH FAMILIES making it in this exact same way- sailing, rv'ing, tiny housing, downsizing to live their dream lives. A true partnership with shared goals means you can smash those goals better, stronger, faster, harder. Just don't marry someone "because you're supposed to get married"- that's a foolish mistake that people will have to pay for, and not just monetarily.
K. Marquez
You didn’t do some aspect correctly, period. If you are saving an appropriate amount, then one day boom..... you are there. Save as much as possible. Cook at home. Drink & socialize cheap. Cheap housing young. Old vehicles. (Really old). Get your investment strategies happening early & often. I started investing at age 22. I also did not have kids or a wife. I have always dated. Just not married. Working on that in retirement. I was a hard working man. I retired younger than most. Today I live perpetually on twice my working salary. It will never decline. (I could live on roughly 3x my working salary, but just see no earthly reason to do so.) One day, I will gift some foundation or organization a nice pile of cash. I never had a crystal ball showing me the magic pathway. My parents mantra was save for a rainy day! I guess that I personally took that to heart along the way.
As for yourself, one can always improve your lot in life. But the age and manner in which you start is the most key factor IMHO. Time provides the opportunity for geometric growth in the overall investment strategy. I suggest more effective efforts and start by cutting back in the lifestyle department. Best of luck!
I'm starting to realize it when I'm already 32. Wish someone had told me that when I was younger.
My Dad says "If you think you're successful - you are" (he's 93)
doing what you like is being successsful
What a brilliant idea!
It’s all about your own mind. Possession is not key at all.
FIRE, i prefer FINE; Financially Independent Not Entangled. So when someone asks, "how are you?" , i get to reply "FINE", with a secret grin !
im gonna use this from now on lol. That's pretty good
Perfect SoloSailer.!!! Love it!! I'm FINE as well.👍
No kids no prenuptial single bed purrfect
I absolutely love this. Thanks for the smile! :)
I live on a 28 foot sailboat in in California. My slip rent is only $420 a month all included. I save so much and I'm within minutes from all the beach towns. Life is great.
Please tell me the town
"If you make more than you spend, you're rich. If you spend more than you're make, you're poor."
"If you don't have a definition of "enough", you'll be cursed to always chase "more".
Man, I've seen a lot of these type of videos, and there are some real great lines in this one. Thank you for this.
You're very welcome. Would you please share a link? We would appreciate more views from your friends.
I didnt have the definition of enough so I chased more and lost all of my money.
I'm 59. Have worked like a dog my whole life. I have what I think most people would consider a " nice " amount of money. Great home and lots of "nice stuff". However, I don't have a lot of great experiences to look back on. Just a lifetime of work, and stress. Don't get me wrong I like my money and "stuff". However, if I had to do it over I would choose great experiences and memories and adventures over money and "stuff". At the same time, I would still try to have some sort of financial security. Sounds like you have found a good balance.
Not too late, mate! I'm 37, almost in the opposite situation. I have a good job, but don't have a nice amount at all, ha ha... but 5 years ago I went in a different direction and went for experiences rather than safety and comfort. I ended up living more in the last 5 years than I have in the last 20.
I've done things I never dreamed of, and it has to be said - doing things I never planned - just walking through the open doors in front of me. Crazy, insane adventures all around the world. The best part is the relationships that never would've happened without getting out of my comfort zone, and my little world.
Life gives you opportunities, you can either choose to risk, or choose not to. That's really what it comes down. Either way, the one choice we can't make is that life will pass you by regardless of the choice we make. All the best for your future!
Omaspen - my life sound a lot like yours and we are similar in age. Agree with your assessment. I would also re-live life of experiences vs. Stuff. Now with retirement approaching, plan on doing just that and am preparing for the remaindering life of experiences. Hope we both succeed with the transition.
Thanks for waking me up in time,
sincerely a 26 y/o Swede
Awesome words of advice especially for young people.
In my 20-30's, I was into the expensive car thing. in my 40's I started collecting expensive luxury watches. Now in my 50's, I don't think there is one more thing I could buy that I really need or don't already have. I think as you get older, you realize stuff is just..stuff. Can't take it with you. And accumulation doesn't make happiness.
Lots of good advice here but dear god, don’t listen to the “choose wisely, you only get to make this choice once; you won’t have time to restart” nonsense. Plenty of people make dramatic changes in their lives, creating entirely new paths, often more than once. What you want at 20 may not be what you want at 50. The notion of “it’s too late” is a lie that will eat your life. There are countless paths on this journey, and you can change course at virtually any time.
Well said!
100% Agree! Never too late too prepare for your own future
Omg. Yes. I’ve built a fortune twice in my life, but the second time, at 50, I was mature enough to make it stick.
I disagree. We can only try to change the course, until some "pandamic" or "meteorite" hit us hard. The year 2020 proves that well.
@@eugenet7473 Yet countless people are making a change now because of the pandemic. We can use any excuse to remain stagnant. There will always be seemingly insurmountable obstacles. Change is often very hard, and powerlessness is a helluva drug.
I retired at 35 and moved my family to Mexico to run my own small business. Life is so much better.
well done
@Jason Scott TizzanoWe love in a small town called Ixtlahuaca which is about 50 miles from Mexico City.
@@mrxtful What I’ve found in my travels and using crime stats for the countries I’ve lived in the closer you are to the seat of government the less violent crime you have. So we live very close to Mexico City the country capital which is also large international financial district so crime is kept under control.
@Jason Scott Tizzano Yes it’s pretty safe. We live in a gated community with security. We spend most of our time at home and don’t go much after dark. It’s a small farming town with very little to do so it’s really quiet or what most people consider boring. The larger cities tend to have more crime but here it’s nothing to worry about.
if you are running a business it means you are not retired.....what the fuck
I immigrated to USA when I was 24. I grew up in a 3rd world country and money was tight. When I came here and my first paycheck hit, I felt like a millionaire. I spent most of it on a brand new sports car, video games etc… years later I felt the pressure of living paycheck to paycheck. So I did a soul searching and read about minimalism, stoicism, and the fire movement. Since 2018, I traded my car for a used prius, became debt free after a year and able to build a net worth of almost 200g and we just bought our house. Minimalism+fire+stoicism can liberate you from being paycheck to paycheck.
A friend of mine said, "You spend the first forty years of your life acquiring stuff, and the last forty years trying to get rid of all the stuff." I wish I would have done these things thirty years ago. Instead I did what is considered "normal." I did turn things around in my mid twenties, and now I am planning to retire at fifty-two.
"Normal" doesn't really make sense, now does it? With the state retirement ages climbing up i could retire at ~70. To do what exactly. To be hardly able to move around? Waiting that long makes no sense what so ever. Especially since i'm a man and the average life expectancy of men isn't really that great. The current model of "work work work and retire when you are old" is just sugar coated slavery, even if you get paid well for it.
Pass this video around. Save your young friends!
I'd really appreciate the new viewers.
"Be a welder, not a waiter."
Well said.
My old roommate made 400 a night waiting tables. Just up your waiter game.
@@justincruz8352 yup waiters can make a lot of cash,
I retired at 48, I’m also Hispanic everyone just assumes I’m on Social Security.💪🏼
This is the funniest comment I've ever seen in my life! 😂😂
hahahah nice one man i retired at 22 man and i honestly did not tell anyone that i retired besides family im living a good life style that i wanted and it makes me happy because im free to do what i want
edit: i onestly dont know what people think about me but my gaming buds think im a drug seller which im not hahahah idk why they asume that maybe bcuz im pretty young
@@sebano8418 may I ask how you were able to retire? I would love to learn something and apply it to my life
That is really freaking rude just to assume that someone is receiving handouts. Can't understand those people.
@@verapamil07 Jealousy brings out the absolute worst in people.
I studied hard, got an engineering degree, worked really hard for a couple of years and paid off my student loan and bought a solid used car which I'll probably be able to use for at least another ten years. With the experience I gained within my first years of working within engineering projects at a stable long-term company I can now save roughly 50% of my monthly income after tax (either in cash, stocks, bullion or other long-term investments) and keep working (albeit at a much more smooth and sustainable pace) with what I love - intellectually stimulating engineering problems.
I have no "end game" other than being able to enjoy life and keep feeding my intellectual curiosity - the biggest obstacle and hurdle are other people within society - family members and coworkers who do not fully understand what it really means to be 'rich' and 'free'.
Ferraris and mansions are glorified cages.
Hej,,Chris,,Don't forget come to visit Finland
Very true, society will want you to conform to what rest of the people are doing. It takes lot of guts to say "wrong is wrong, even if everyone is doing. Right is right, even if only one is doing".
This was excellent and common sense to some of us.
The "American Dream" is:
Buying stuff you don't need
With money you don't have (debt)
To impress people you don't like
I like this. Might steal it.
Welcome to it; pass the phrase on.
Great quote! It's from George Carlin
I know a lot of people that are very happy with their stuff.
Thank you for telling us where it came from, I actually did wonder where it originated from being from the UK.
I'm 60 years old and past my financial independence goal over 10 years ago. I still work because 1) I have no family except one sibling so staying home / traveling alone was not palatable; 2) I enjoy my work and am paid very well with great benefits to do it; 3) I have daily interactions with co-workers, most of whom I like so there's constant stimulation; and 4) I still have a lot of time for travel and hobbies. I live frugally, have no debt, and no kids. I will be retiring in 2 years and start collecting SS - until then, I'll just keep working. FIRE is not for everyone, but the ideas / reasoning behind the movement are good.
Just means you have life figured out. Good on you.
I loved working as well. Just couldn't do it and voyage by sailboat. But I could have also been happy working throughout my life I think.
well done
No contradiction here. I don't have to work, but really enjoy it. Not everyone needs to leave it all behind and sail the 7 seas. You're living your best life and Clark and Emily are living theirs. All good!
Just a suggestion. You might want to research visiting the Philippines. So many retired people have found a loving partner over there to settle down with. It's a tropical cheap paradise!
The biggest financial tips are simple.
1. Reduce your spending.
2. Increase investment, but realize how long returns will take.
3. Develop in demand skills, you can only reduce expenses so much. At some point you need greatly increase income.
4. Take time off and realize not working gets boring, find something you don't mind doing.
Agree w you Chris Phillip. Do what you love.....
Retirement is boring if you have no interests.
How long do returns take?
Quite a while. It's a function of how much you invest per month. Basically just get yourself to enjoy the investing until you get there.
Here's something to add from my experience - Don't smoke too much weed otherwise it will be the only thing that excites you.
@T *sigh* You don't even know me.
I started working at age 14 on a farm. Learned to hunt, life skills. My friends always told me I was cheap!! retired at age 37.
Now 43 and still living a better lifestyle then most of my buddies. Live on cash not flash!!
It's funny that we need to pay through the nose in order to be self-sufficient these days. If you want to fish, then you need to pay for a license and can only fish in designated areas. Hunting, building your own home, etc. Nope, you need to pay for regulations and the "privilege" of doing that.
I am going to use that line I like, live on cash not flash
Are u married because my husband lives on flash. His moto is yolo. I’m frugal but I find that when it’s time to go somewhere I don’t have nice clothes or shoes. How can we find balance?
I LOVE this!! I am also 36 and now retired. Just left the last corporate job a week ago and it’s over!!! The software job was so soul sucking and completely out of alignment with my happiness. And now the fun has begun. Even in one week I’ve become so relaxed. I see all the people around me- family, friends, neighbors, all on the daily grind and here I am floating above it now with Hawaiian music playing in the background :)
This is my goal. It’s about reducing stress and worry.
I’m a simple person. I definitely am a minimalist at heart with hobbies that don’t require tons of money. I also like having a smaller, cozy space.
I’m turning 30 this year. I hope to be able to hit fire by 40/45 through getting a higher paying job and building several streams of income on the side.
All extra side cash will be shoved into stocks and I’ll keep working my regular job while reducing costs and maintaining a LC of living.
I’ll work on what I want, but I just want the security of knowing I don’t have to work and I’ll be fine.
🎉🎉🎉
What did you invest in?
I suggest you watch the other "enough is enough" videos on our channel. There is a playlist.
It's all there and how to do it for yourself.
ENOUGH IS ENOUGH Series: th-cam.com/play/PLsT7_jPsZM5qJLYMI4fKYgZDJ2Huq8e90.html
I wish I'd had this mindset back when I was in my early twenties, 32 now. Time flies. I'm working on it now and trying to remain patient whilst also making up for those lost years. Go get it! :)
It feels like nothing is happening at first but as you get more principle your assets start growing faster and faster.
Stick with it! -C
Oh my, 32 is so young. I didn't finish school until I was 32. That's when I started earning a "real" paycheck. You have time, start now.
Same I wish I knew when I was younger.
I had a good chunk of money I could’ve stashed away completely into my investments while continuing to work a job that covered my living expenses.
So many missed opportunities because I just didn’t know.
I like the marshmallow analogy. I see many people my age "eating the first marshmallow" by spending money on temporary pleasures, and I just can't bring myself to do that. I believe growing up in poverty taught me how to be frugal with money at an early age. There was a time in fourth grade when my shoes were falling apart, and I knew my mom, who was single with four kids, couldn't afford to buy me a new pair. We lived in a shelter and she had just recently totaled our car, but 10-year-old me wasn't going to let that get in the way. After days of begging, she finally agreed to walk us and our "hobo cart" a few miles to the nearest dollar store to purchase $5 worth of candy. Although I could have eaten the candy myself, I sold every last sucker at school and ended up returning my mom's initial investment, as well as being able to walk to school in my brand new pair of shoes. Seven years later, I have a job of my own, but I still find myself saving the first marshmallow so I will be better off in the future.
Great story. Sometimes it is going without that makes us realize how to work hard and be successful. Thanks for sharing!
@@EmilyAndClark right!! No problem. You have a new subscriber :)
We appreciate that Elizabeth. Would you do us another favor? If you think your friends might like this video would you share it on social media? We want to get this thought out there.
Awesome story.
Your story is olmost like my, but in another place! But I can,see your a pretty good looking now then does day's,can we write each other? Or you have a partner to write to,keep up the good looking looks
I believe the concept of "enough" comes down to contentment. Nothing is better. Life is so much more relaxed when you are content.
Maybe that's why the Spanish word for "happy" is "contento"!
7th time watching this video. I come back every month or so, reminding myself of my motivation and goals. This has been THE pillar video, the turning point, that has pushed myself in the right financial direction. Words cannot describe how important your content has been to helping me towards financial independence. Thank you so very much.
Thank you Justin. That was so nice to hear. We'd like to get the idea out there. "Enough" just isn't pushed by marketers for obvious reasons. Please consider sharing the playlist on social media.
@@EmilyAndClark I agree completely. If only people realized that they CAN STOP. I.e. Some friends of mine just added another approx. $50,000 to their $500,000 mortgage debt, to build a wall outside their house, and they are 55yrs old. Like, when will they hope to pay off their mortgage, let alone another $50,000??? To me 'enough' just seems obvious but to others, I guess they are still heavily influenced by the earn & spend culture we live in.
I share this video with my friends a lot! Love it!
Thanks, Justin
How have things been going?
@@EmilyAndClark Great! 8th time watching your video haha! ;)
Paid off all debt, doubled safety savings, and on track with our investments.
Also, got a couple of corporate clients now, so was able to invest more.
Lastly, our dream is not a yacht but an off-grid cabin. We're actually buying the land (cash) in 1-2 weeks! Crazy stuff.
It's all falling into place. Again, your video was the turning point. Thanks again!
I'm 50 been retired 8 years ago. I thought I was young retiring at 42 but you beat me. Enjoy every day. I do.
Hi Drew. How are you finding retirement? I’m 42 years old and worry I might get bored. How do you fill your time?
I am a minimalist for almost 30 years...we live on my teacher's salary...put away hubby's salary and it's not a lot but it's enough ..live simple...I do drive a Jeep but saved for it...work side hustles as needed..1 child...don't get sucked into expensive lifestyle... be happy...we eat 80% vegan, homemade. Tell the Jones family to screw off ;)
I retired at 48, bought a 43ft sailboat fixed it up for cruising and sailed around the world for 10 years. Best thing I ever did. Used the same philosophy as you all my life - be a saver! I live ashore now in a smallish house and am still saving money. Many other cruisers we met on our travels have the same way of life and are very happy.
Very inspiring story ! Just like Clark's story..I am 49 .will retire by mid next year having achieved my financial goals..plan to tour wonderful Europe for next 25 years...the problem is system of the society is very mundane ..we are the only ones thinking differently ..nevertheless I think making the decision is important and a first step as like you guys...all the best
Thank you, I have sent this to my daughter as an assignment to be discussed at dinner this evening (she is 17). Great way to open a dialog with points and suggestions. Thank you again for sharing!!
Your very welcome Leonard. It's always the best compliment when people tell me they suggested my video to their kids.
Thanks
If you have any other friends who you think might also like our stuff please consider sharing our playlists on social media. We'd really appreciate the new subscribers.
How did she take the idea?
This is very refreshing to hear someone who’s done what i’ve done and i must say very very good
advice to anybody starting out or looking for change in there life.
Work towards goals, stay away from all forms of credit, don’t keep up with your piers and most of
all don’t be greedy and know when to stop.
My experience is the ones out to prove them selves being the biggest xxxx on the block are the most
miserable and loose everything...
I worked part-time and raised 2 daughters without child support. We lived on less than $15,000 per year - after taxes and health insurance. We just learned to live without. I saved every extra penny and am comfortably retired.
I tried working full-time, but I quickly got burnt out. So, cutting expenses was the next best thing. I've never regretted it. Freedom from work is everything.
You get it, you lived it. I hope this video felt right, it was my first try at something like this. If you think friends might benefit please share the message.
@@EmilyAndClark Yes, I share this same message throughout the TH-cam universe. The rat race is nuts!
I call BS. I work minimum wage at 17k a year. Im struggling on my own. Single male at 28
It actually can cost alot more to live alone. If you have girlfriend or roomate to split the rent its a lot cheaper. Also split the bills.
I was 28 when I bought my house and now it's paid off, raised 3 kids at the same time with no support and made $13/hr. I'm now 37 and have two decent paid off cars and we're going to be remodeling soon with cash, cash is King!
You are 100% accurate on finding the right partner. Being with someone who constantly likes to shop and spend is stressful and relationship is doomed! Speaking from experience sadly .😕😔
I feel you. I'm in the same boat at 35, wondering if I could ever retire staying married.
Right. Do NOT hook up with a squanderer! Bad news!
Both my brothers earn more than $100,000 per year. They're both deep in debt due to expensive colleges for their kids as well as shopaholic - drug addict - alcoholic wives. They will never be able to retire. As Power of Attorneys for my Mom, they also wiped out most of her retirement money as well - under the guise of multiple cash gifts.
I have always lived on less than $15,000 per year - after taxes and health insurance. I saved every penny and am comfortably retired. I'll never inherit, because my Mom has very little left. Exploitation of the elderly is difficult to prove.
It's best to count on yourself and to find your own way. Life and people are unpredictable.
@@dianer8881 Unpredictable? "Predictable leeches" are more the operative words..haha.
Its extremely hard. In my 20's i saved up for my kids college fund, only to see it all gone plus another 50k in credit card debt on nothing but crap. I worked hard for my kids future just to see to it go to nothing was the hardest thing. Still married, I'm 30 now but still extremely bitter. And still dealing with it. Wondering when enough is enough.
I love your video, the concept of enough! I started learning minimalism from my wife then I started living frugally on-and-off. Then I loved to be content, eventually free from debt, being less greedy and less worried of what comes tomorrow. It's been 20 years since I've started reducing my hoard/greed character. And have been debt-free since 2014, it's a healthy feeling to be alive :)
Yep, you got it aldin.
If you think your friends might either enjoy our videos or better understand your life choices if they watched it, how about sharing our playlists on social media? We would really appreciate the new viewers.
Thank you for the video. Your candor and willingness to share your personal journey are greatly appreciated it. Happy sailing.
You're welcome Ryan. If you think your social media friends would also like the video, how about sharing the playlist? The new views would really help us grow our channel.
This video is getting crazy popular. Thanks.
I thought I might do another non sailing video. What would you like to hear about?
Where in North York?? I am in Old Forge, Adirondacks. Leaving soon though due to politics, taxes and cheaper land...
Do you mean putting into a 401k? I currently do 10% into the TSP. They match 5. I also max out my Roth. But I’m thinking I need to start a taxable if I want to retire early. I can’t touch my 401k until at least 55.
Clark there is a huge community around FIRE, minimalism and personal finance and investing here on TH-cam. Many millennials like me are interested in living a life where we place experiences over things. I think you have a special perspective and an interesting life to share with people as an alternate way to live. If you keep dishing out the advice on these topics people will keep coming back.
Definitely a video to understand your investment plan and thought process would be amazing
The elephant in the room... HEALTH INSURANCE!!!!!!!!!!!!!!! Duh.
Retired at 50. There was no stress for me during the transition as I had been dreaming about it and planning for it for many years. I've never been happier.
Any advice to scaredy cats like me? I'm 53 and losing my IT job July 1st. due to outsourcing. I have about 1.1 million. With my wife working, I can easily survive on $35,000 per year and look for a part time job.
You should be fine. You know 4% rule and all.
It's amazing how little you spend when you have time. Working costs money in that you have no time to work for yourself.
@@EmilyAndClark Thank you. I've been planning early retirement for a long time and I am aware of the FIRE rules and the 4% SWR but keep falling into the trap of self doubt. I've been working since 16 so close to 37 years, it will be a major adjustment which in my 20's-40's never thought i'd have an issue with.
You are right. It will be difficult. A lot of guys die from the stress of retirement. In your case, being forced out a bit early, it's likely going to be harder.
But, hopefully knowing those feelings are coming can prepare you for them. I've been through it. It's going to feel wired but that will pass. Remember nothing is wrong. You have prepared for this. You did the right thing, try to enjoy your free time without guilt. You deserve it.
This might not make sense now but it might later if you go through what I did. I wish I had someone tell me it was coming and will pass.
Hopefully you will take to your new life with no worries and this is just a waste of time.
@@EmilyAndClark Thanks for the words of wisdom. Much appreciated.
This video is inspiring! I recently downsized my apartment and we now only have one car, it sometimes feels weird to do the opposite when so many people are getting bigger and more expensive things but seeing people who are steps ahead of me in this journey achieving their goals is so great to see! It makes the sometimes alienating feelings of going against the grain feel so worth it.
How about sharing my playlist on social media. More viewers for me and your friends might have more understanding about how cool your choices are.
I love the sincerity and practicality of your story. Thank you for sharing.
You're on another level to the most of the other retire early gurus, who, bless them, are all about 20! You've lived this for years and therefore have real authority. Your story is excellent - it has everything. I guess more videos on this topic would be terrific!
On their way
😂 absolutely! Most “get rich” or “I’ve retired” videos are made by charlatans who haven’t actually retired and work freelance selling “systems” to get rich (even though they’re not actual rich themselves..). Good to see someone who’s actually done it.
@@Si1234321 Yes, and literally run from the pyramid scheme's.
I'm glad TH-cam suggested this video! I'm a 38 year old military veteran, and I reached my "enough!" Not that I have enough money, but I had enough of working in California just to pay bills, not following my dreams, joys and passions, and living a ordinary life when I know I'm meant for more. So I'm leaving in April to Spain to start traveling the world doing work exchanges through Workaway. I will also be making a TH-cam/Facebook show called ExChanging The World where I find people doing good things for others in their communities, tell their stories, and reward/surprise them anyway I can to help them! This is the best thing for me physically, mentally, emotionally, spiritually and financially. I hope to have some episodes ready in the Fall! Thank you for sharing your story, Clark!
@Jacob Crawford Wishing you all the Luck in your venture and may you find peace in all you do for others and most importantly..... YOU!
@@liongod1000 Thank you, Robert! That means a lot to me :)
Sounds like a wonderful adventure ahead of you.
@@EmilyAndClark Thank you! I hope to help people make changes in their lives, just like you are doing!
Jacob Crawford Enjoy your travels! I left the UK in 2004 and never went back due to the high taxes and poor infrastructure (just like California). You’ll never regret it. I wish you all the best.
Thanks for taking the time to make this video. It was very informative for me.
You're welcome Jim Bob.
If you think your friends might also like it how about sharing our playlist on social media? We would really appreciate the new viewers.
The best 25.59min I ever spend on youtube. Thank you so much! Love and respect from the netherlands
Thanks Yasmina. So nice of you to say. Please share the video with your social media friends.
Amazing! I've decided to retire in March at 43 - I have a similar story. Very inspirational! Thanks for sharing!
4th year in retirement. I turn 41 in May. Best decision to make enough.
@@jesusbalderas3449 I'm 41 and ready to be debt free. how did you know what your enough was? do you have investments? 401K? my problem is I can't figure out what enough really means and from what sources.
How have things been going for you?
Watched it right through, brilliant. Clark's message is more powerful than anything we can expect from Davos so please everyone share this, we did, and genuinely help folks find their own happiness through all the fog. Thank you for a wonderful presentation.
Thanks everyone for watching. Please subscribe and click the bell icon to help me grow this series of videos and help people become better at financial independence and intentional living! I really appreciate it. -Clark
I appreciate the perspective.
Don't count on 10%. Watch our other videos for our recommendations.
More are on the way
Exactly I love this vid
Hello Clark, This video is brilliant, I have re-watched it many times. Your explanation if the economy of "enough" really inspires me. Great video... :-)
Chris...
Thanks Chris.
Please consider sharing it, or it's playlist, on social media. We would really appreciate the exposure to new viewers.
It's a month since I first commented here, & people are saying 60's is old. No way. 😂 I'm 65, I had mitral valve heart surgery last May & now it's all good. I could literally last 30+ more years, seriously. It's all about diet (veggies, fruit, meat twice a week), exercise (cycling for me), & zero stress. It's a great time to be alive, what with the excellent life planning & motivation TH-cam videos. Watch sailing videos b/c it's endless repairs & maintenance, get ready for that (the bigger the more repairs, plus electronics). It's made me re-consider a bit. Right now I'm working on a new fiction series to finish next year. I dreamt before of a 37' Beneteau (30+ years), now I'm thinking 30' max with minimal electronics. Really, the adventure is the journey of life itself, whatever you do with your days. I've even thought of buying a very used Chinese junk with a deck cabin, or a 35'+ used Thai dragontail boat for < US$ 8,000 ... Western yachts are absurdly expensive. 😉
I read your comment with enthusiasm then I saw you are writing fiction. That's great! I am also writer. I would love to have writer friend 👍🏻.
Sounds good...except the part with meat 2 Times per week.... Not the healthiest choice.
@@leonari That is just your opinion, and there are many people who would disagree. Please keep in mind that it is *not a fact* and do not judge people on their choices on public forums (especially if they already said they feel so healthy that they can last another 30+ years) You keep doing you but not to the expense of others.
@@bronzemansadventures1508 yeah it is my opinion. Period. What is a comment Forum for if not to post ones opinion? Did I say that I am the biggest expert in the field of nutrition? That people absolutely must listen to me if they want to live a long and healthy life? No I did not. So do me and everybody a favor: Look for someone else to school and take your entitled ways of comunicating and shove them. I am entitled to my personal opinion -so are you. We can agree to disagree. But that seems a foreign concept for folks like you.
@@leonari You are the one schooling people and pushing your judgement and unsolicited advice on others and I am inviting you to be mindful of that but that nuance seems to be lost on you. And when I make you aware of this, I get the response "shove it" - *super respectful* Jeez, you really are a joy to interact with...
I retired at 42, traveled around in a motor home. Had to go back to work - chose real estate. Going well but back to work is nice. When I was retired I had a 5 hr stretch during the day when I needed to feel productive. Finding the balance while working and playing works for me. I will probably work the rest of my life as ling as I can walk and talk, but only 5 hrs a day.
Thanks for the boat information. I will look at the videos. They look very informative. Safe travels !
"Life is about the experiences you have, not your performance. No matter how hard you work and how successful you are you will inevitably be forgotten. Success is a transient treasure and it will never completely satisfy you because there will always be another goal to reach." I pieced that together from some forums posts I seen online around 15 years ago. I printed it and framed it on my wall and it's been hanging there ever since.
Chris Crabtree Some people need the goals. Some love their work and need it. There’s no “right way”, I would never give up my job and colleagues that I enjoy and give me meaning. My vacations need to be filled with activities and I can’t be still, it gives me anxiety and depression. You learn what you need to be happy:)
That’s deep
Well said. Same. Thanks for sharing. Just found you guys.
Met Emily a few years ago in the tiny house she built.
Happy to see you guys enjoying and living your best life.
I retired when I was 48, but I was not happy till I bought a Vancouver 27, and sailed of to Mexico
and got divorced. I single handed for about ten years and found a new love that enjoyed the sailing and the solitude as much as I did. still sailing but now on a Wildcat 35.
Thank you for your great video, oh by the way I did buy a porsche which I get to drive about every two years.
Liked and subscribed. Thanks a lot to you Clark! Wise, smart and honest advices. Love it. Warm greetings from a retired engineer in Germany.
Wonderful reflection on Your life, Clark and I am sure some people will take what they need to shape their's. Others won't but as you said and life is just that, it's everyone's own choice. So I took from your story something at great value to me and re-shape my life, now at almost 63 which, makes you my little brother :). Thank you for reinforcing my believes, Clark and who knows, we may catch up sometime - who knows where! Keep yonks sailing but most of all, stay healthy, young we are and stay anyway.
I have my own ideas about "enough" but I certainly share the sentiment, and I'm glad I'm not alone. Thanks for the video!
I'm your age and retired a month ago. I'm loving it and I appreciate your comment about how hard it is to stop striving for more! Time to chill and find my goals for Life 2.0
I know right. I was amazed at how that was stressful. Thought it might have just been me but I meet a lot of retired early guys, happens a lot.
I've gotten so many comments on that.
Best if luck on Life 2.0
@@EmilyAndClark Turned 55 yesterday but it looks like I will have grind it out till 70 the way its going. If I was alone I probably would be able to retire. Was retrenched a few years back and had to dig into retirement funds to support the family. Still have to get them through varsity/collage ...
How have things been going for you?
My favorite video on TH-cam. I come back often to stay motivated. "Define enough or be cursed to chase more" has become my new motto. Thank you for sharing.
You're very welcome Randy
Would you consider sharing the link?
Really needed that talk . Thank you Clark you've been a real inspiration !
Thanks Thomas.
Would you do me a favor and share this with friends who might like it?
24:21 "achieving is addictive" Wow, i have never thought of it that way. Great point to bring out and get my mind thinking about slowing down!
Good, thoughtful advice! So succinct and persuasive, and so well-expressed. Thank you! We will be passing this along!
This is such an awesome video!! I have been watching these types of videos for years, and this is put together really well! Thank you for sharing!
Thanks mtheron. Maybe your friends might like as well, would you consider sharing our financial playlist on social media. We would appreciate the new viewers.
This is the first video I’ve seen from your channel, 100% subscribing. Inspiration at its finest! Thank you!
Thanks Tan, so nice of you to say.
If you think your friends might also like our videos how about sharing our playlists on social media? We'd really appreciate the new subscribers!
How have things been going for you?
Excellent advice for millennials!
At 48, recovered from a brain tumor, I’m no where near retirement. Made poor career choices. Currently work in the medical device industry and do not make much money & cant stand my work. Struggling to find a way to make up for lost time in order to retire. The idea of feeling trapped in life is at times overwhelming.
I work in Medical Device Reprocessing and I can't stand it anymore either. Researching Mexico, Costa Rica and Panama to retire. Not gonna happen if I stay in Canada
Would you all consider sharing our playlist on social media? We'd really appreciate the new viewers and your friends might benefit from the ideas we put out. Maybe save them from a job they don't like.
Thanks for the video and the inspiration! Been on a similar path of working/saving/investing towards FIRE. About 3-5 year away, depending on some choices. Avoided college debt by choosing skilled trades. Bought properties as soon as I could, and had house mates to help pay down the mortgages early. Spent most of my free time running, biking and hiking as well as eating quality food....taking care of my body and spirit. Chose not to be married, have children or pets. Always owned used cars (minimum of 80K miles @ purchase), paid for with cash. Currently drive a 1991 Honda and a 2000 Toyota (truck for work). Honestly I spent my 20's doing many things "right" but also spent more of my earnings than I could have. The last 6-7 years I have become more meticulous in my tracking of my spending, which has helped both in correcting "bad habits" and in inspiring myself to stick with it.....
Q
Thank you for sharing this. Enough is definitely on the fast track to peace.
Saving this to watch with my three kids. Very well said. Thank you.
THIS is by far the best advice on personal finance that I have ever heard and it is exactly what I need 1 year before I walk away from the 9 to 5 to travel full time in my RV. I hit the subscribe button and look forward to following you and Emily. Thank you and safe travels!
How have things been going for you?
This is a fantastic video with great information. Thank you for posting and happy sailing!
Your Wisdom is spot-on! This is the BEST video on life goal- creation I have watched! Excellent advice!! Thanks 😊 so much!! 🥰😎
Thanks. How about sharing a link to it around??
Thanks Clark for sharing your views and experiences! It really responds to what I seek. I am glad, you had the courage, to spread your thoughts on the web. Best wishes!
You're very welcome Gabriel. Thanks for writing.
Do you think your friends might also like this video? Would you consider sharing it on social media? I'd really appreciate the new viewers.
Holy sh... this guy should be teaching finance to everybody. Please do more videos like this.
Thank you Luis.
I think I will. Please subscribe so you can see them when they come out, and if you liked this please share the video over your social media. We are just getting started and could use the viewers.
Also, you might like our other "sailing life" type videos. I suggest you start with our "Adventure Logs" they include a budget section.
This guy gets is paid by all these companies that appear on the screen while you watch his videos ...
@@constanzza777 So?
@@luisrolonluna2881 , this is his most valuable teaching...
@Connie. As does every other creator on TH-cam. It's like 1/2 to 1/4 cents for a commercial. Usually doesn't pay for the batteries in the sound recorder.
This is golden advice! I need to make my own definition of "enough"!! Thank you for sharing :)
clark man! I am in the middle of practicing guitar while watching this, and I positively love the chord diagram you have on the back wall!
There is so much wisdom in this video. Thanks for sharing with us.
You're welcome Keith. If you think your friends might also like it how about sharing our playlist on social media? We'd appreciate the new viewers!
This is real good stuff. Went about this the same but different. By opening up, you and your Wife are really helping people Who will listen. Thank you for sharing! Thanks for Excellent content!
Thanks Randy.
Thanks so much for this Clark! I've seen so many people in the 20s starting, 30s kind of into it, and 40s preaching the concept but to hear someone who is at retirement age and having done this for years (and thus went through not one, but two recessions), it's great to see that you were able to power through it all and still continue living that life.
Thank you Addison, this is exactly the response I had hoped to get when I started writing this. You made me feel good today.
This video is so underrated. Thank you, thank you!
Thanks. Feel free to share it with your friends. I'd appreciate the views!
Great story - debt keeps people from living their dreams, pure and simple. Unless it's for something (real estate investment) that is going to make you money, then "debt is the devil". Live well and enjoy life. Safe travels!
You got it. I'll do a video on that someday. Debt for one reason only... To invest in making money. Not to borrow for marshmallows!
I'm 31 and this has been my goal for the last 11 years, I'm so glad to see that you succeeded, hope to do so my self in 9-10 years :).
Keep living well :D
How have things been going for you?
I retired at the same age (got tired of hunting for jobs, dealing with idiots at work, etc) but didn't go on any adventures. Did become a full time stay at home dad however.
Perhaps being a dad is your adventure :)
Stay at home dad.... That's my dream
@@missionhappiness5883 It's not all that its cracked up to be. I probably wouldn't do it again. Can't go back after twenty three years of it. Not awful but miss the opportunities would have had otherwise. Also, no respect from anyone for doing it.
@@hagbard72 , being an active parent in a child's life day in and day out is challenging; being a stay at home parent...the struggle is real. the Plantation is always welcoming back worker drone bees. ;)
@@bocadelcieloplaya3852 Not when you're 61.
Wow what a powerful video. Thank you so much for sharing! I retired early in April 2021 at the age of 28 and now I am living my best life.
Thanks. And congratulations on your young escape.
Would you consider sharing this with your friends on social media? They might better understand you and I'd really appreciate the new viewers.
@@EmilyAndClark Yes :) I ended up creating a TH-cam channel as well to show people that retirement doesn't have to be in your 60's
This is such great information! I first saw this video I think about two years ago. This is the third time I just watched it all the way through. Very inspiring!
Thanks Lauren. So nice of you to say.
If you think your friends might also like it how about sharing a link on social media?
Thank you for this, this is just the kind of talk I needed to get started this path. I've been wanting to buy a boat, sail the world and live life on my own terms as you do. I've faultered off that path and I understand now what I need to do to get back on a path that leads to my financial and personal freedom.
How have things been going?
This is the first video that I see about financial freedom who says enough of that programmed life but also enough money to live frugally. And I adhere so much about what you just said, actually doing it every day as much as I can. Thanks for charing Clark! ENOUGH
your life looks awesome man happy for you, thanks for the informative video!
"I saw money as freedom chips." Great quote, will use that as a way to make decisions when I'm considering buying something!
The TH-cam algorithm is getting great - it recommended me this wonderful video! I enjoyed every single second of it, thanks for sharing :) Achieving is indeed addictive to me, and I have no idea if it will ever stop... but just like you, I don't care about money per se. It's just a mean to live and experience things. We won't take that money to the grave anyway!
This was so eye opening!! Awesome tips!!
Hello Clark
You're a great speaker and I enjoy seing yr videos because you're sincere. This one I will recommend to my kids aged 22 and 23, as it is so reliving to listen to the logics of "enough". You embrace a huge amount of very important choices and situations, and you align so well with my own teachings. But as you surely know, hearing it from someone else, completes the circle of accepting and then adopting.
Best, Claus
Thank you! Showed this to my young boys.
This is the first video I've seen of Emily & Clark's Adventure, and I subscribed. Great comments below, too! My love is music. I don't know what I want out of it, I just feel so compelled to play.
Thanks for taking to time to "give back" to us all trying to balance this evolving world, it's conditioning and machinations :)
I have this poem up on my wall and it is fitting here now:
I have studied many times
The marble which was chiseled for me--
A boat with a furled sail at rest in a harbor.
In truth it pictures not my destination
But my life.
For love was offered me and I shrank from its disillusionment;
Sorrow knocked at my door, but I was afraid;
Ambition called to me, but I dreaded the chances.
Yet all the while I hungered for meaning in my life.
And now I know that we must lift the sail
And catch the winds of destiny
Wherever they drive the boat.
To put meaning in one's life may end in madness,
But life without meaning is the torture
Of restlessness and vague desire--
It is a boat longing for the sea and yet afraid.
-Edgar Lee Masters
Clark, thanks for sharing your story & philosophy. It's really a wonderful "gift" to hear from people like you, who have achieved financial freedom early in life.
Subscribed.
Thanks Glenn,
Would you consider sharing this with friends? I'd really appreciate the new viewers.
@@EmilyAndClark I'll be happy to. I really enjoyed the laid-back, common-sense way that you explained life, work, saving, and freedom.
Personally, I'm retired and looking forward to hearing your advice about cruising and boat living. We're living on a lake & the water has been speaking to me. I'd love to see more of the world and follow the weather to wherever it leads us.
Thanks again,
What a great outlook and life plan! You have boiled down your philosophy so simply and clearly. Know your "enough", save richly and spend frugally, activate your retirement plan and stop striving to accumulate (money, power, prestige, stuff). EXCELLENT video.
Thanks
The first video I've watched about retiring early that breaks it down to a possibility not some pie in the sky dream
How have things been going for you?
What a great video! By far the best I’ve found on the topic 👍
Great philosophy and one that I thoroughly enjoy living. The emphasis on defining enough here was very helpful and as I'm nearing that point, is something that I'll start thinking through more deeply. Thanks!
Thanks Albert.
If you think your friends might also like it how about sharing our playlist on social media. We would really appreciate the new viewers.
Awesome story and I love Emily's braids so unique and carefree. Minimalism is so interesting to me, so I'm glad I clicked on this video. Thank you!
Thank you. That was such a nice thing to say.
Great video I am 55 and have been retired for the past 16 years . It has been a great choice for me.
This is crazy inspiring! One of the best motivational videos I’ve watched! Thanks!
Glad you like it mothballjim.
How about sharing our playlists on social media? We'd really appreciate the new subscribers.
How have things been going for you?
We found you guys on youtube last night and spent the evening enjoying your wonderful videos. So elequant and helpful. Thanks so much and hope to meet you this Winter in the bays. Wayne and Danielle x
You're welcome.
If you see Temptress stop on by.