I agree with everything you said. I retired at 54. Not as young as you, but still young. I sold my big house and about 2/3 of my possessions, and moved to FL. l lease a very small condo and drive a 12 year old car. I've never been happier. I never set an alarm. I spend my days reading, swimming in the community pool and going to the beach. I too took a bunch of trips the first couple of years but have kind of gotten that out of my system and now am taking one or two trips a year. I live in a place people save up all year to vacation. I'm about to turn 61 and I have no regrets. That feeling of freedom you mentioned is just so awesome. I feel so blessed and sometimes have to pinch myself because I can't believe I'm living such a great life.
@@timmychanofficial I worked as a social worker in 4 different government jobs over a period of 31 years. I got a decent pension. I bought my first home at 19 and always owned until I retired. I made a lot of money rolling houses over. My kids are grown now and I don't see the point of having 4 bedrooms and 3 bathrooms. I like leasing because I can move whenever I want and I no longer have to do repairs. Just an air conditioner would cost me 6k at least.
desoz toppieter there are trad offs. Your healthcare is decent. Ask an American if they are afraid Of getting sick and completely derailing their retirement.
I completely get what you're saying. I traveled on the NYC subway to work for 21 years from Queens into Manhattan, and the last 7 from Long Island into Manhattan. The latter commute was 2 hours each way. What a waste of my life.
@@BeatTheBush Perhaps you can make your own equation for this. (putting up with a person) - (what do you get out of it?) = And if the net value of a person, is less than what you give, cut your loss, and move on pal.
Totally relate. Best thing is no stress having to show up to work and not getting sick around co- workers, naps anytime, avoiding traffic and enjoying parks almost all to myself :)
I would save more tho. If you have the energy and health. Save as much as possible. You never know what might happen to the economy. And remember that money is a fiat currency. Unless you have 90% in commodities and bonds you are vulnerable. Nice accomplishment nonetheless!
@@Bigboss-xe6lm Going back to work is always an option, especially with my skillset. I won't stay doing something I hate out of fear. I would rather take a chance and be free.
I'm glad you point out how regular work can suck the life out of a person without them really realizing it. My coworker died right before he retired which was terribly ironic.
Side note. There's this company in NorCal that 3d prints small cheap homes that seems like a topic you'd be interested to make a video about in the vein of minimalism. It's newly legal in California. Also would be interested in your opinion of people having children and or pets with how it relates to finance.
BeatTheBush they seem to be a newish company but are supposed to have a demo model soon in the Bay area. I've been emailing with them. www.crunchbase.com/organization/mighty-buildings-yc-w18
Retirement can also suck the life out of someone...a lot of people do poorly in retirement. Or maybe the life was already sucked out of them and their regular job was the only thing keeping their heart and legs moving. God that's depressing.
@NurturingTalents to me, retiring early does not mean sitting around doing nothing. Even if I don't have a job, I plan on being physically active. So , for people who stay active into their retirement, I think retiring early actually prolongs life.
I am an elder law paralegal. Unfortunately most people never get their retirement dream. One or the other gets sick and retirement is spent sick or as a caregiver. That is why my husband and I planned way ahead and I am now retired to spend time with my grandkids and play with my pups. My husband has his own business and now works mainly to add to our savings and takes off whenever he wants to rest or work on a home project which is what he finds fun. I supervise lol. So his advise is a good reminder to us all that our time is limited and we need to make the most of it but it requires planning and he has good advice.
Sounds awesome to see your grandkids in what seems like a big happy family. Keep on adding to savings is nice. Even better if you doing something you love anyway.
Yes he is !!!!! This entire video I watched I noticed for the past 20 minutes now I have not went to the mall and bought anyting! I didn't even go to the grocery store the entire time I watch the video!
Certainly havent retired, but 5 years ago my wife and I dumped all our debt by selling pretty much everything we have. Reset our lives my buying used vehicles, buying a smaller home, and getting rid of ALL our consumer debt or credit cards of any kind. Today we work 3 days per week and have a completely different lifestyle. So much more rewarding...life is more enjoyable...more fulfilling. The type of work we do does allow us to just leave within a few days of deciding to get out of town for a few day or longer if wanted. One week we just randomly decided to fly to las vegas...this was a tuesday evening...by Thursday morning we were on our way. So we do still work to earn money, but have greatly reduced our consumption. Why work yourself to death for a bunch of crap you dont need or even really want....most just hadnt stopped to realize it yet because marketing tells us otherwise.
I retired in 2000 at age 45. I like having time to learn new things even if its just a home floor refinish job. TH-cam is great for that. I hate being sleep deprived even by an hour. Tens to ruin my whole day. I avoid traffic on roads and the shopping. So no wasted time in traffic jams getting pissed. Or driving on wet salty roads in the winter. My car thanks me for that...lol Can't remember when I was sick. I see many sick people when shopping at Walmart with most cashiers coughing. I turn my head and hold my breath, keep hands off my face and wash when I get home... No longer being to busy earning a living to make any money. For a young person I say try to find a job you don't mind doing, are happy with, or even passionate about. Makes earning a living 10 times better than slogging thru a job you hate like doing the same thing over and over again in the middle of the night when you should be sleeping.
45 is my age limit to retire. Initially planned at 40, but I always got conned into interesting job. So I promised myself this will be my last job, and I'm gonna retire once my project is done. So looking forward to it!
I agree so much, the perception of how long a task will take changes when you work from home and have more energy because you are rested. Tasks like decluttering the basement used to take forever. Now I just do it when I feel like it.
I went on a once-in-a-lifetime vacation. They told me that my "vacation request is unauthorized." People and co-workers are so robotic these days. I got fired for going on vacation lol, I feel so much better.
This was so interesting, thanks for sharing! I'd love to "retire" but still work on the things I enjoy. You seem like you are really enjoying your early retirement lifestyle.
In semi retirement now. I live in west San Jose, so I definitely understand about avoiding the high traffic schedule. My health had improved so much since my accounts payable job ended with the demise of the non profit agency in 2016. I currently have steady income source from military spousal benefit, plus I am also a part time eBay reseller. I do not miss the time clock, dealing with difficult people, reduction of hours off when agency is having cash flow issues. Job stress is eliminated. I am looking forward to relocate out of the Bay Area this year.
Thank you so much for sharing about the to-do list. I am so in that place where my to-do list goes on and on and hardly ever gets accomplished. Now I know not to be so hard on myself due to being mentally spent. Thank you!
I can live with the glitching don't worry. I must say, I can't imagine you being blunt at work, you seem very easy going & that makes your videos great. Thanks for the content
I fully admire and endorse your early retirement! Good for you! Don't listen to the negative naysayers commenting on your videos. I agree with some other comment here, now that you have been on your own for some time now, you really do come across as much more relaxed. I'm retired too, stopped working at 53, almost 60 now, and so grateful to not be stuck in 9 to 5 work the last 6.5 years, especially after being in such a negative situation I had at my last 9 to 5 job.
21 and not even close to retire but it gives us young people an idea on how it feels to be semi retired/retired and why some peopel seek it more than others.
Having to go to work when you are sick is the worst! that is one of the things I am grateful to work from home. Also, by working from home, we get sick less and yes..., commute sucks! Thanks for sharing your insights!
dude you're a direct inspiration to me even making a TH-cam channel. I've commented on your stuff here and there under my personal accounts prior. our FIRE journey's actually relatively similar and we met at your SF meetup in 2018. Kudos to making me think that I too can try something creative. Maybe in another year or 5 we can collaborate, ha. Hope you're enjoying your early retirement-is period more these days. You beat me to FIRE by a year, but I think I had a bigger cushion. Cheers XP
You make a good point about the curative powers of sleep. If I feel a virus coming on and I try to get more rest,.it usually goes away or doesn't last as long, but if I'm sleep-deprived, I usually get very sick.
I work in an office, and we worked from home for a very short time between March 2020 to May 2020. Wearing these masks, I noticed I have not gotten sick. Before it would be easy for me to catch a sore throat or flu-like symptoms almost every flu season
So many good points in this video. At my pest control job, it was so dirty, I got sick from it somehow. I started throwing up and having diarrhea. I couldn’t even work. I hinted to my boss I wanted to quit and he came to my house and picked up my work truck and there were people waiting to replace me immediately. Internal work over vacation is an awesome point too. I would rather clean up my stuff and sell stuff instead of outwardly seeking happiness through vacation also. Never ending to do list outside of work was very relatable too. You can never do things for yourself even after you worked for someone else. It sucks bad!
from time to time i come back here listening to this lonely life. no wife. no child. sure it is easy. it is like a monk. fake retirement. ask yourself this. do you want to be like Francis or like Elon? don’t waste your youth people. i will never retire. i love what i do
Friend went into serious depression doing this for 5 years or so been semi retired as they were earning money from a online marketing website. Time went by faster than expected- planned getting a job after a year but the money coming in made them forget. You become in your own little bubble world and forget the real world going on. This can have serious later problems. Also, made him depressed more looking at friends facebook after 5 years (he was not checking for few years) to see all social and active fun people were having 'living' with their family and kids etc. What made it worst was looking at linkedin and seeing achievements people made in 5 years like been director at Morgan Stanley. Getting their PhD or MD or some leading role at a top venture capital company and all achievements they made. This actually caused him to see a shrink. Serious affects when you see progress others have made while you let time just run by.
I realize that this is the way to go for me. I've done a lot of mistakes over the last years, having gambling problems and building up a decent amount of debt because of it. My spendings apart from that have always been pretty low as I'm not craving any new technology/clothes/expensiv food/... This is my goal, to be financially free. Lately I'm feeling how much of a burden living paycheck to paycheck actually is, beeing at bank on payday waiting with hundreds of other people that struggle. I still want to keep working but I want to be able to actually choose what I do and when I want to do it, just like you!
@@BeatTheBush for sure I cut up my credit card a week ago. I can easily go days without gambling but having that card on me allowed me to gamble WAY too much on a day I got weak. Really enjoy your channel you got a new fan for sure
Preach! You explain the benefits in wonderful detail. I am semi retired but now I have to go back for a few years. But I love the mental freedom. I am solitary so look forward to retiring again some day.
i retired at 40...5 years ago...when my wife is permanent here in australia she will bring in some extra $ from work...perfect! liked the video...mitchell
I retired early ---toughest part for me was the less social interaction w/ peers since most of the time older folks are the only ones retired and socially active during the day when I'm able to do stuff....as a veteran of Afganistan and in health care, I worked 24/7/365 and felt I worked a lot longer than my peers who didn't enter the military as a career....now I'm benefiting from that work.
@@BeatTheBush yes, military you're on call, work 7 days a week, often 12-14 hr days.....so like you mentioned, it felt like I was working overtime/extra compared to peers
Hey BTB great video thanks and you're coming across really natural and much more relaxed (significant improvement as compared to that other video I commented on a few days ago). I'm guessing that making fewer cuts on your video is saving loads of time when it comes to editing? I'm kind of semi-retired too but not gotten to your level of efficiency/zen-likeness where you don't have much on your to-do list 😃 Also, come and visit your fans in London!!!
I saves a little bit more time but I still have to review everything. Oh wow, London? I know nothing about that city. Seems like I have another place to go!
@@BeatTheBush Yeah fair enough. Editing takes time eh. Yup, come to London you'd love it here. Summer in London is the best in the world (no exaggeration 😂😂) I actually have a friend who looks a quite a bit like you and talks quite a bit like you. When I first came across your channel I told him I'd found his online twin. You guys need to meet 😂😉
I dont plan to retire at all. My uncle is worth about $100 million and he's 78yrs old and still goes to work 9-5 and full of meetings. His life is more meaningful than some retirees life for sure.
Thank you! Well... I still make TH-cam videos so it depends if this is considered a job. Many people argue that I just changed jobs but I have this whole spew about that.
I retired at 57 kind of impulsively because I was offered a huge golden handshake.. My main reason was the freeway pollution was making people sick. I’m well off and plan to die with zero.
you know whats wild. all these ideas i have been living for the past 3 years yet im still kinda paycheck to paycheck or in debt at least.i have been working from home at a steady pace for a while doing small odd jobs....i moved OUT of California to avoid paying for a 4 br in SD after 12 years. honestly i dont feel too bad for my position (not that i ever did). just need to put some small amount of money into another actual money making project since I'm home all the time. i make all my money on the internet yet i make no money on the internet if that makes sense...smh
I think you made the right decision, if you waited until you get old you might be in too bad a condition to go do the things you want to go do. I am surprised that you have been able to retire/semi-retire so young,but I', glad for you, I only wish I could have done the same thing except I probably would have just gone into a retail business because I love making a sale and I like good people..
Man this is so true! I work from home myself as a Digital Marketer and I often forget what day it is or taking afternoon naps 😴 Congratulations on your "Retirement!"
I like how btb doesn't really consider himself fully retired, because the truth is, if you are lucky enough to live well into your 80s, at some point you will need an assisted living facility or care taker, which very expensive in the US. Even with insurance you are looking at $4-$5k/month for a shared room in a nursing home. If you want your own room, it could be like $8-$10k or more. I think a lot of FIRE people who say they're "retired" don't count this in their actual estimate. So your burn rate might be $1350 while you're in your prime, but when you get old, its going sky rocket exponentially, but it sounds this guy understands that, and isn't trying to stay complacement.
Btw, u sound melancholy in the video...don’t let comments affect u, personally or otherwise. ur videos keep me company when I inadvertently get up at 3 in the morning n I’m making something to eat..so remember ur childhood n get back to ur fun videos..🤗
mmmmm....maybe it was the content....? Talking about possibly getting disabled, sick n ur life etc...yea maybe it was the reflective tone...people usually do that when the end is near...? it can seem melancholy...well, I misread that one...I’m glad..🤨🤪☺️
Nice insight for retirement. I like the social aspect of work. Not every job ive had was positive. I have been getting much better financially, so I can decide to leave a job that is not fulfilling socially to me. If i am having fun it doesnt feel like work is a horrible place to be, more like working together with friends.
I find funny this kind of videos get a lot of comments saying it's impossible or boring if you don't work. People want different things in life, I'll be happy having a quiet life doing my hobbies at home once I get to my number.
There are always some people that looks at the world in view of impossibility. They will find every conceivable way that it will not work rather than find the ways that can make it work. That might be the reason I am able to do it.
I think some of it is also your mental health. I know some people who do not have the energy to do things even when retired. I know someone who picked up drinking habits while retired. For those people, early retirement was not a good thing for them.
My ideas: 1.Staying fit without a gym membership. 2. Avoiding loneliness/ making friends. 3. How to date without looking like a cheapskate.4. Home maintenance to save money.5. Landscaping on the cheap. 6. Things I still indulge on. 7. How to keep your work skills sharp on the cheap. Especially when not working. 8. Your summer bucket list.
It isn't until you have enough money to pay your expenses for the rest of your life that you finally get to see how you would live your life without a job getting in the way. Once you get to this point, you're free, free to spend your time however you choose. It's so nice to be on your own time and at your own pace. You feel so much less stress because you have "enough". You actually get to explore hobbies and other types of work that bring you happiness and are more fulfilling.
It's debatable at which financial status you can actually pursue these things that you enjoy rather than just a job to make money. I think once you feel financially secure enough, that your savings is large enough to not work for many years, then I think that is the minimal point at which you can start thinking about making less on things you enjoy.
Nice Video, good advises for my future retirement life. But I do feel like you quit your job a little too early for the following reasons: 1. If you work for another 1 or 2 years, you may not stuck in "half retirement" and live less frugal. 2. Should retire when you can sustain the burn rate of a typical Family(wife and children).
Many have said to stay a little longer. But how much is enough? Some may say stay 2-3 years longer. And when you reach that, someone else will say why not stay 1 more year. Here is a vid on that: th-cam.com/video/vSzq7VXVcFg/w-d-xo.html
BtB, you retired--quit the rat race--early enough to enjoy many years of an active lifestyle--as active as you want doing what you want. Many people retire only to die in a few years--very little enjoyment out of life. I think what you did is an example for many of us. I retired early to be my mom's caregiver when her health deteriorated. Where I worked provided a nice pension--more than my monthly burn-rate--for the rest of my life. I hope you continue these videos. Thanks, my friend. Take care.
Yo beats, that is nice that you are sharing this, I'm working in my 8 to 5 jobs right now and thinking about doing what you doing but don't know if it's possible because I have rent and bills to pay. I don't own a house yet
Owning a home in full is ideal to retiring but not absolutely necessary. If you don't, your burn rate can be significantly higher due to rent and it can increase with the market.
Hi I didn't really plan to eretire after 23 plus years as an OT in the schools. I got tired of dealing with the bureaucracy! Now I wisheI hadnt! Hubby still working and I feel like invisible. None asks me what I do but they didn't when I did work. Haha. Anyway at 57 I'm bored. I've tried some other jobs but didn't like them and don't think I can do retail. Any ideas? I have a BS in OT.
im almost 30 years old, and really really hate working full time. i have a corvette and 2 motorcycles, and 300,000 saved up... check out some of my videos. What do you think about my idea to switch from 40hr a week to about 3-5 hours a week?
Maybe this applies too. Asians work hard from childhood, studying, playing piano or something additional. By the time you have a full time job, you've been disciplined for 20 years (from 5 - 25). For *some* Americans, a full time job after college will be the first time they've had to be disciplined and accountable for outcomes.
Not all Asians work hard or are smart. Look at how many poor people there are in Asia and you'll quickly find out. What you see are immigrants. They have to work extra hard because they are at a disadvantage when they land in a new country
Is your camera flickering the vid? Maybe its my connection, but I don't think so. I retired early, make sure you and your sig other have the same ideas about retirement. I love travel and want to live abroad, she doesn't. So now half the time I travel alone for shorter periods...not as much fun without the wife, but if I stay at home too long I'm climbing the walls. Hello from Singapore & the Philippines!
It's TH-cam not error correctly in the upload or not able to handle it for some reason. I bet it will certainly be much more harmonious if you can travel together more.
@@taoist32 yes I've been working for 3 owners as a manager in nyc and my best friend opened a store in Sacramento the profit margins are really high and i haven't met a person who lost money from opening a liquor store in the last 10 years
ur right about dental...I find that the amount of moola I pay out for insurance is more than amt of out of pocket I used even the $1300 root canal procedure I had done last year..I’ve been retired almost 5 years now n it’s been soooo great..I’m only thinking bout putting my cat on utube recently...just for fun, don’t need moola...I sleep when I want, get up when I want, watch old tv series such as Perry Mason n so on. Only thing is all my friends n family r not retired so I’m by myself a lot...I don’t know if uve consider there r many people out there that r actually afraid of retiring...the older crowd mostly...perhaps u can do video to help those feel less afraid to retire...😳
I think it takes practice to get comfortable with more alone time. Also to muster some idea and actually realize it yourself. I hear it's just a skill to learn just like any other.
When I feel myself getting sick i workout out, Idk I think I like the grind and the push. Just for my own business though forreal not trying break my back for someone else's business
I'm early retired also, it was interesting to hear your experience. What are your thoughts on getting married and having children? I'm sure you get asked this a lot. That would obviously cause a big change in your perspective and how you spend your time.
I'm more interested on how you did with those vacations? Were they especially frugal, or very spendy? $100/day including travel/room/food? Was it just you? Was it mostly visiting places, or spending money for admission to places?
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I agree with everything you said. I retired at 54. Not as young as you, but still young. I sold my big house and about 2/3 of my possessions, and moved to FL. l lease a very small condo and drive a 12 year old car. I've never been happier. I never set an alarm. I spend my days reading, swimming in the community pool and going to the beach. I too took a bunch of trips the first couple of years but have kind of gotten that out of my system and now am taking one or two trips a year. I live in a place people save up all year to vacation. I'm about to turn 61 and I have no regrets. That feeling of freedom you mentioned is just so awesome. I feel so blessed and sometimes have to pinch myself because I can't believe I'm living such a great life.
That’s awesome. Do you prefer leasing? What was your occupation? What place are you speaking of?
@@timmychanofficial I worked as a social worker in 4 different government jobs over a period of 31 years. I got a decent pension. I bought my first home at 19 and always owned until I retired. I made a lot of money rolling houses over. My kids are grown now and I don't see the point of having 4 bedrooms and 3 bathrooms. I like leasing because I can move whenever I want and I no longer have to do repairs. Just an air conditioner would cost me 6k at least.
The place I'm referring to is Florida. I live on the east coast close to the beach.
You americans are so lucky to have warm places with reasonable housing to move too, we canadians are totally fcked on both counts
desoz toppieter there are trad offs. Your healthcare is decent. Ask an American if they are afraid Of getting sick and completely derailing their retirement.
im a loner and introvert love living the solitude life without seeing coworkers or people.
Apple Chai haha me too!!!!!
hard to meet people for dating, though. I've asked myself how much I like men, though, when I consider putting up with "office politics".
I completely get what you're saying. I traveled on the NYC subway to work for 21 years from Queens into Manhattan, and the last 7 from Long Island into Manhattan. The latter commute was 2 hours each way. What a waste of my life.
Living on your own terms, that's priceless
The cost to do it is high though.
Because you live in a high cost living area the San Francisco Bay Area...😂
Yeah, we all pay huge price to live in the Hotel California
Agreed.
@@BeatTheBush Perhaps you can make your own equation for this. (putting up with a person) - (what do you get out of it?) = And if the net value of a person, is less than what you give, cut your loss, and move on pal.
Totally relate. Best thing is no stress having to show up to work and not getting sick around co- workers, naps anytime, avoiding traffic and enjoying parks almost all to myself :)
Love how your stuffed family follows you around the house 🏠 💕
XD XD... they are great!
Mary does he have a family/kids?
Im an introvert too i can only handle so much socialization at a time lol
I started a new job and I’m feeling so sleepy and overwhelmed. I wish I could have 30 min of a power nap. Retire early and self-care are so important.
I hit my 4% number last week and hope to FIRE in August. Wish me luck.
EDIT: After watching this video, you and I have a LOT in common.
Nice! I hope it doesn't eat away at you too much knowing you don't really have to be at work.
so assuming annual burn rate of $30k, that would assume you have investments of close to $750k to generate that 4% return?
@@_Wai_Wai_ Correct.
I would save more tho. If you have the energy and health. Save as much as possible. You never know what might happen to the economy. And remember that money is a fiat currency. Unless you have 90% in commodities and bonds you are vulnerable. Nice accomplishment nonetheless!
@@Bigboss-xe6lm Going back to work is always an option, especially with my skillset. I won't stay doing something I hate out of fear. I would rather take a chance and be free.
I'm glad you point out how regular work can suck the life out of a person without them really realizing it. My coworker died right before he retired which was terribly ironic.
I got caught in the aging lazer beam for a short moment.
Side note. There's this company in NorCal that 3d prints small cheap homes that seems like a topic you'd be interested to make a video about in the vein of minimalism. It's newly legal in California.
Also would be interested in your opinion of people having children and or pets with how it relates to finance.
@@dyhppyx What's the name of it? Also, where can you buy one?
BeatTheBush they seem to be a newish company but are supposed to have a demo model soon in the Bay area. I've been emailing with them. www.crunchbase.com/organization/mighty-buildings-yc-w18
Retirement can also suck the life out of someone...a lot of people do poorly in retirement. Or maybe the life was already sucked out of them and their regular job was the only thing keeping their heart and legs moving. God that's depressing.
Never thought about the positive health aspects that come with early retirement. Thanks for sharing!
@NurturingTalents to me, retiring early does not mean sitting around doing nothing. Even if I don't have a job, I plan on being physically active. So , for people who stay active into their retirement, I think retiring early actually prolongs life.
You seemed very relaxed in this video. More at ease. Basking in your early retirement😊
And he has a higher backrest in this car seat vs the sofa
BTB, you're my daily dose of happiness, love you 😘
I am an elder law paralegal. Unfortunately most people never get their retirement dream. One or the other gets sick and retirement is spent sick or as a caregiver. That is why my husband and I planned way ahead and I am now retired to spend time with my grandkids and play with my pups. My husband has his own business and now works mainly to add to our savings and takes off whenever he wants to rest or work on a home project which is what he finds fun. I supervise lol. So his advise is a good reminder to us all that our time is limited and we need to make the most of it but it requires planning and he has good advice.
Sounds awesome to see your grandkids in what seems like a big happy family. Keep on adding to savings is nice. Even better if you doing something you love anyway.
He's putting in subliminal messages in the glitchy frames to brainwash us into saving money
No he is not, stupid
Yes he is !!!!! This entire video I watched I noticed for the past 20 minutes now I have not went to the mall and bought anyting! I didn't even go to the grocery store the entire time I watch the video!
I suppose that's just as good. =D
Vlad Gruin
Lmfao
I hope so
Certainly havent retired, but 5 years ago my wife and I dumped all our debt by selling pretty much everything we have. Reset our lives my buying used vehicles, buying a smaller home, and getting rid of ALL our consumer debt or credit cards of any kind. Today we work 3 days per week and have a completely different lifestyle. So much more rewarding...life is more enjoyable...more fulfilling. The type of work we do does allow us to just leave within a few days of deciding to get out of town for a few day or longer if wanted. One week we just randomly decided to fly to las vegas...this was a tuesday evening...by Thursday morning we were on our way. So we do still work to earn money, but have greatly reduced our consumption. Why work yourself to death for a bunch of crap you dont need or even really want....most just hadnt stopped to realize it yet because marketing tells us otherwise.
Completely agree. I retired from my Engineering job 19 months ago, well before my FRA, its the best thing I've ever done. Freedom!
It doesn't seem like those who actually retire early have much negative things to say. There are negatives but is much less than all the positives.
FRA?
It's not really freedom, if you still have to pay tax, mortgage etc...
Alex Colegate Full Retirement Age i.e. 65
@Pearl Perlita Venegas I think so. However if you live away from 'society' then you might live in freedom, as we should be.
Having left work 3 years ago, I can so relate to your thoughts and experiences with early retirement. It certainly beats working 9 to 5. :-)
It really does. I don't think many will say it doesn't. There are a few minor negatives though.
Good for you!!! Definitely more to life than grinding from 9 to 5
@@Juan_Hernandez_Jr. He wasnt a dancer he was an engineer.
@@franniefargo3536 not that there's anything wrong with grinding right?
I retired in 2000 at age 45.
I like having time to learn new things even if its just a home floor refinish job. TH-cam is great for that.
I hate being sleep deprived even by an hour. Tens to ruin my whole day.
I avoid traffic on roads and the shopping. So no wasted time in traffic jams getting pissed. Or driving on wet salty roads in the winter. My car thanks me for that...lol
Can't remember when I was sick. I see many sick people when shopping at Walmart with most cashiers coughing. I turn my head and hold my breath, keep hands off my face and wash when I get home...
No longer being to busy earning a living to make any money.
For a young person I say try to find a job you don't mind doing, are happy with, or even passionate about. Makes earning a living 10 times better than slogging thru a job you hate like doing the same thing over and over again in the middle of the night when you should be sleeping.
I think it's hard to be passionate about most corporate jobs. I would put it at 80%+ of people are not being engaged.
45 is my age limit to retire. Initially planned at 40, but I always got conned into interesting job. So I promised myself this will be my last job, and I'm gonna retire once my project is done. So looking forward to it!
I agree so much, the perception of how long a task will take changes when you work from home and have more energy because you are rested. Tasks like decluttering the basement used to take forever. Now I just do it when I feel like it.
I went on a once-in-a-lifetime vacation. They told me that my "vacation request is unauthorized." People and co-workers are so robotic these days. I got fired for going on vacation lol, I feel so much better.
solidcatink Love it!!Eff em!
who was your employer? if you don't mind.
@@_Wai_Wai_Just some obscure company. I won't elaborate.
This was so interesting, thanks for sharing! I'd love to "retire" but still work on the things I enjoy.
You seem like you are really enjoying your early retirement lifestyle.
In semi retirement now. I live in west San Jose, so I definitely understand about avoiding the high traffic schedule. My health had improved so much since my accounts payable job ended with the demise of the non profit agency in 2016. I currently have steady income source from military spousal benefit, plus I am also a part time eBay reseller. I do not miss the time clock, dealing with difficult people, reduction of hours off when agency is having cash flow issues. Job stress is eliminated. I am looking forward to relocate out of the Bay Area this year.
A typical day of Beat the bush would be interesting
I did a few of those already. Except it got too long and I ended it around lunch, lol.
@@BeatTheBush Maybe make a series of a few videos of a typical day, recording each video on a different day so it's more manageable?
Beating his bush, what else.
That's what I'd be doing if I didn't have to work.
BeatTheBush maybe another video in the future to update on what your typical day is like? But make sure it doesn't just end up at lunch lol
Thank you so much for sharing about the to-do list. I am so in that place where my to-do list goes on and on and hardly ever gets accomplished. Now I know not to be so hard on myself due to being mentally spent. Thank you!
On my way to get coffee I found a $20 bill on the ground but I was more excited to get a notification of this new video 😁 BTB videos are always gold 🤸
Oh, you are too generous with your compliments.
So glad to hear u are continuing w/decluttering....it’s amazing the clarity it brings.
Really like the music! I am living the same life - just in Ohio. FIREd and love living alone. Does make it easy when you are an introvert!
Thanks. Left the info in the video description.
I can live with the glitching don't worry. I must say, I can't imagine you being blunt at work, you seem very easy going & that makes your videos great. Thanks for the content
I tend to use fewer words and for those that do not know me well tend to take it in a wrong way. Ahhh oh well right?
What did you say XD
I fully admire and endorse your early retirement! Good for you! Don't listen to the negative naysayers commenting on your videos. I agree with some other comment here, now that you have been on your own for some time now, you really do come across as much more relaxed. I'm retired too, stopped working at 53, almost 60 now, and so grateful to not be stuck in 9 to 5 work the last 6.5 years, especially after being in such a negative situation I had at my last 9 to 5 job.
*I love selling things. Flipping designer bags. It gives me so much pleasure*
Flipping designer bags yes, flipping burgers no.
21 and not even close to retire but it gives us young people an idea on how it feels to be semi retired/retired and why some peopel seek it more than others.
I would love to retire early.
Good to hear about your experiences
Health Insurance? That's the only thing that stops me from retiring tomorrow...
I agree ☝️ with you. Health insurance is very important to me that why I’m afraid to quit my job.
Thuan Duong - Big biz & big pharma got us there....we need to fight back with an Early Retirees Insurance Association lobbying group.
Having to go to work when you are sick is the worst! that is one of the things I am grateful to work from home. Also, by working from home, we get sick less and yes..., commute sucks! Thanks for sharing your insights!
dude you're a direct inspiration to me even making a TH-cam channel. I've commented on your stuff here and there under my personal accounts prior. our FIRE journey's actually relatively similar and we met at your SF meetup in 2018. Kudos to making me think that I too can try something creative. Maybe in another year or 5 we can collaborate, ha. Hope you're enjoying your early retirement-is period more these days. You beat me to FIRE by a year, but I think I had a bigger cushion. Cheers XP
Excellent to hear! Oh yes... back when there is not social distancing I could have gatherings. I miss those now.
You make a good point about the curative powers of sleep. If I feel a virus coming on and I try to get more rest,.it usually goes away or doesn't last as long, but if I'm sleep-deprived, I usually get very sick.
Prolonged sickness might be bad for you? Hmmmm.
@@BeatTheBush prolonged sleep deprivation has been linked to heart attack, stroke, an increased chance of cancer, and sudden death.
I agree just from gut feeling.
Glitching in the video. Might need to put more RAM in your machine or drop the resolution to 1080p.
Lol. The source file is fine, it's the transfer not error correcting properly.
I work in an office, and we worked from home for a very short time between March 2020 to May 2020. Wearing these masks, I noticed I have not gotten sick. Before it would be easy for me to catch a sore throat or flu-like symptoms almost every flu season
Same here. I get sick a least once or twice a year when going into the office. Now, no flu for the past 2 years.
So many good points in this video. At my pest control job, it was so dirty, I got sick from it somehow. I started throwing up and having diarrhea. I couldn’t even work. I hinted to my boss I wanted to quit and he came to my house and picked up my work truck and there were people waiting to replace me immediately.
Internal work over vacation is an awesome point too. I would rather clean up my stuff and sell stuff instead of outwardly seeking happiness through vacation also.
Never ending to do list outside of work was very relatable too. You can never do things for yourself even after you worked for someone else. It sucks bad!
from time to time i come back here listening to this lonely life. no wife. no child. sure it is easy. it is like a monk. fake retirement. ask yourself this. do you want to be like Francis or like Elon? don’t waste your youth people. i will never retire. i love what i do
Friend went into serious depression doing this for 5 years or so been semi retired as they were earning money from a online marketing website. Time went by faster than expected- planned getting a job after a year but the money coming in made them forget. You become in your own little bubble world and forget the real world going on. This can have serious later problems. Also, made him depressed more looking at friends facebook after 5 years (he was not checking for few years) to see all social and active fun people were having 'living' with their family and kids etc. What made it worst was looking at linkedin and seeing achievements people made in 5 years like been director at Morgan Stanley. Getting their PhD or MD or some leading role at a top venture capital company and all achievements they made. This actually caused him to see a shrink. Serious affects when you see progress others have made while you let time just run by.
I realize that this is the way to go for me. I've done a lot of mistakes over the last years, having gambling problems and building up a decent amount of debt because of it.
My spendings apart from that have always been pretty low as I'm not craving any new technology/clothes/expensiv food/...
This is my goal, to be financially free.
Lately I'm feeling how much of a burden living paycheck to paycheck actually is, beeing at bank on payday waiting with hundreds of other people that struggle.
I still want to keep working but I want to be able to actually choose what I do and when I want to do it, just like you!
If you got rid of your gambling problem then knocking off the debt is next. You sound like you already know what to do.
@@BeatTheBush for sure I cut up my credit card a week ago. I can easily go days without gambling but having that card on me allowed me to gamble WAY too much on a day I got weak. Really enjoy your channel you got a new fan for sure
Preach! You explain the benefits in wonderful detail. I am semi retired but now I have to go back for a few years. But I love the mental freedom. I am solitary so look forward to retiring again some day.
It seems quite natural for you to be on camera. Nice job. Having recently retired it was an interesting video.
Took some getting used to. I still stutter.
i retired at 40...5 years ago...when my wife is permanent here in australia she will bring in some extra $ from work...perfect! liked the video...mitchell
I retired early ---toughest part for me was the less social interaction w/ peers since most of the time older folks are the only ones retired and socially active during the day when I'm able to do stuff....as a veteran of Afganistan and in health care, I worked 24/7/365 and felt I worked a lot longer than my peers who didn't enter the military as a career....now I'm benefiting from that work.
That sounds rough. How is it 24/7? You can be sleeping and get called on?
@@BeatTheBush yes, military you're on call, work 7 days a week, often 12-14 hr days.....so like you mentioned, it felt like I was working overtime/extra compared to peers
I hope you get compensated for wait time? Maybe not at 100% rate but I think a fraction of that is reasonable.
@@BeatTheBush lifetime pension, healthcare for life is the compensation for those who make the military a career 20 yrs and allows FIRE in many cases
Hey BTB great video thanks and you're coming across really natural and much more relaxed (significant improvement as compared to that other video I commented on a few days ago). I'm guessing that making fewer cuts on your video is saving loads of time when it comes to editing? I'm kind of semi-retired too but not gotten to your level of efficiency/zen-likeness where you don't have much on your to-do list 😃 Also, come and visit your fans in London!!!
I saves a little bit more time but I still have to review everything. Oh wow, London? I know nothing about that city. Seems like I have another place to go!
@@BeatTheBush Yeah fair enough. Editing takes time eh. Yup, come to London you'd love it here. Summer in London is the best in the world (no exaggeration 😂😂) I actually have a friend who looks a quite a bit like you and talks quite a bit like you. When I first came across your channel I told him I'd found his online twin. You guys need to meet 😂😉
I dont plan to retire at all. My uncle is worth about $100 million and he's 78yrs old and still goes to work 9-5 and full of meetings. His life is more meaningful than some retirees life for sure.
This video was not too long. I have to say I enjoy this chatty side of you. Very relaxed.👍
=D Seems like talking is all I do in a video no? XD
👍
I hadn't watched in a while and came back to see you made it. Congrats man it sounds wonderful.
Thank you! Well... I still make TH-cam videos so it depends if this is considered a job. Many people argue that I just changed jobs but I have this whole spew about that.
I retired at 35 just last yr and time just passes by so quickly
I retired at 57 kind of impulsively because I was offered a huge golden handshake.. My main reason was the freeway pollution was making people sick. I’m well off and plan to die with zero.
you know whats wild. all these ideas i have been living for the past 3 years yet im still kinda paycheck to paycheck or in debt at least.i have been working from home at a steady pace for a while doing small odd jobs....i moved OUT of California to avoid paying for a 4 br in SD after 12 years. honestly i dont feel too bad for my position (not that i ever did). just need to put some small amount of money into another actual money making project since I'm home all the time.
i make all my money on the internet yet i make no money on the internet if that makes sense...smh
I suppose you can live this way working from home just the same.
So true! Retired this year myself! Also noticed at midday is so quiet outside, streets and stores are empty, only some elderly people hehe.
Congratulations!!! What are you doing with your free time?
Responding to comments? Reading, watching shows I enjoy, decluttering.
@@Juan_Hernandez_Jr. Making TH-cam videos
I like the music at the end, it gets me in a good mood.
=D
Do you like gardening? I do a lot of gardening-building-on-the-cheap videos. Very fun to create something significant from trash!
I don't. I have a green onion growing from trimmings I bought.
I think you made the right decision, if you waited until you get old you might be in too bad a condition to go do the things you want to go do. I am surprised that you have been able to retire/semi-retire so young,but I', glad for you, I only wish I could have done the same thing except I probably would have just gone into a retail business because I love making a sale and I like good people..
It is indeed fun to make a sale if that is what you enjoy. Everybody's idea of a fun and interesting life is different. =D
Man this is so true! I work from home myself as a Digital Marketer and I often forget what day it is or taking afternoon naps 😴 Congratulations on your "Retirement!"
Isn't it great? It really beats fighting the commute 5 days a week day in day out.
If you don't commute, you are free! lol I live in southern California so traffic sucks.
=D I've been in that, it really does.
omg tell me about it... I drive 40+ miles per day
I like how btb doesn't really consider himself fully retired, because the truth is, if you are lucky enough to live well into your 80s, at some point you will need an assisted living facility or care taker, which very expensive in the US. Even with insurance you are looking at $4-$5k/month for a shared room in a nursing home. If you want your own room, it could be like $8-$10k or more. I think a lot of FIRE people who say they're "retired" don't count this in their actual estimate. So your burn rate might be $1350 while you're in your prime, but when you get old, its going sky rocket exponentially, but it sounds this guy understands that, and isn't trying to stay complacement.
Btw, u sound melancholy in the video...don’t let comments affect u, personally or otherwise. ur videos keep me company when I inadvertently get up at 3 in the morning n I’m making something to eat..so remember ur childhood n get back to ur fun videos..🤗
I do? I didn't think so. Interesting. This was more a slower pace relaxed video, perhaps that is why it sounds that way.
@@BeatTheBush It seem relaxed to me also. All you needed was a turtleneck and the fire going behind you.
mmmmm....maybe it was the content....? Talking about possibly getting disabled, sick n ur life etc...yea maybe it was the reflective tone...people usually do that when the end is near...? it can seem melancholy...well, I misread that one...I’m glad..🤨🤪☺️
great fireside chat. thanks!
Thank you!
Please fix the glitches. The audio is fine but the video has glitches regularly
Will pay more attention to this.
Again, you really young people are too fussy
I'm watching this on my mobile from the UK and it looks perfectly fine. Just a heads up
Thanks for sharing the insights to your retirement life!
=D
Nice insight for retirement. I like the social aspect of work. Not every job ive had was positive. I have been getting much better financially, so I can decide to leave a job that is not fulfilling socially to me. If i am having fun it doesnt feel like work is a horrible place to be, more like working together with friends.
Very true. The more you like it the better. Hopefully doing something you are passionate about while you're at it.
I really think if you got a cat your life would be much more fullfilling with a greater purpose.
I find funny this kind of videos get a lot of comments saying it's impossible or boring if you don't work. People want different things in life, I'll be happy having a quiet life doing my hobbies at home once I get to my number.
There are always some people that looks at the world in view of impossibility. They will find every conceivable way that it will not work rather than find the ways that can make it work. That might be the reason I am able to do it.
I always enjoy your videos.. youtube made your video worth more the money they pay you,, your experience sharing is priceless
I had a '87 MR2 back in the day.. white with blue interior
I think some of it is also your mental health. I know some people who do not have the energy to do things even when retired. I know someone who picked up drinking habits while retired. For those people, early retirement was not a good thing for them.
My ideas: 1.Staying fit without a gym membership. 2. Avoiding loneliness/ making friends. 3. How to date without looking like a cheapskate.4. Home maintenance to save money.5. Landscaping on the cheap. 6. Things I still indulge on. 7. How to keep your work skills sharp on the cheap. Especially when not working. 8. Your summer bucket list.
It isn't until you have enough money to pay your expenses for the rest of your life that you finally get to see how you would live your life without a job getting in the way. Once you get to this point, you're free, free to spend your time however you choose. It's so nice to be on your own time and at your own pace. You feel so much less stress because you have "enough". You actually get to explore hobbies and other types of work that bring you happiness and are more fulfilling.
It's debatable at which financial status you can actually pursue these things that you enjoy rather than just a job to make money. I think once you feel financially secure enough, that your savings is large enough to not work for many years, then I think that is the minimal point at which you can start thinking about making less on things you enjoy.
Lol The To Do list- story of My Life. I'm winding it down. Kids are grown I'm simplifying!
The same over here. SO many things going out the door right now.
Nice Video, good advises for my future retirement life. But I do feel like you quit your job a little too early for the following reasons:
1. If you work for another 1 or 2 years, you may not stuck in "half retirement" and live less frugal.
2. Should retire when you can sustain the burn rate of a typical Family(wife and children).
Many have said to stay a little longer. But how much is enough? Some may say stay 2-3 years longer. And when you reach that, someone else will say why not stay 1 more year. Here is a vid on that: th-cam.com/video/vSzq7VXVcFg/w-d-xo.html
Thank you for posting this!! I do hope you're going to fix the glitching!
I have a huge sign to tell me to recheck and triple check this now. Lol.
BtB, you retired--quit the rat race--early enough to enjoy many years of an active lifestyle--as active as you want doing what you want. Many people retire only to die in a few years--very little enjoyment out of life. I think what you did is an example for many of us. I retired early to be my mom's caregiver when her health deteriorated. Where I worked provided a nice pension--more than my monthly burn-rate--for the rest of my life. I hope you continue these videos. Thanks, my friend. Take care.
The thing I hated most is wasting time in traffic. It's not even working to provide value to someone else. Argh.
Yo beats, that is nice that you are sharing this, I'm working in my 8 to 5 jobs right now and thinking about doing what you doing but don't know if it's possible because I have rent and bills to pay. I don't own a house yet
Owning a home in full is ideal to retiring but not absolutely necessary. If you don't, your burn rate can be significantly higher due to rent and it can increase with the market.
So am I. I am allergic to work and coworkers
Hi I didn't really plan to eretire after 23 plus years as an OT in the schools. I got tired of dealing with the bureaucracy! Now I wisheI hadnt! Hubby still working and I feel like invisible. None asks me what I do but they didn't when I did work. Haha. Anyway at 57 I'm bored. I've tried some other jobs but didn't like them and don't think I can do retail. Any ideas? I have a BS in OT.
The thing is you still work for youtube which is a thing you do and the thing is your still working!!
But here I am, relaxing and doing my own thing most of the weekday.
im almost 30 years old, and really really hate working full time. i have a corvette and 2 motorcycles, and 300,000 saved up... check out some of my videos. What do you think about my idea to switch from 40hr a week to about 3-5 hours a week?
6 months til I join you and quit my full-time job!
Maybe this applies too. Asians work hard from childhood, studying, playing piano or something additional. By the time you have a full time job, you've been disciplined for 20 years (from 5 - 25). For *some* Americans, a full time job after college will be the first time they've had to be disciplined and accountable for outcomes.
Probably being good in math and sciences helped in getting a high paying job.
But the downside is they’re often nerdy and robotic.
Not all Asians work hard or are smart. Look at how many poor people there are in Asia and you'll quickly find out. What you see are immigrants. They have to work extra hard because they are at a disadvantage when they land in a new country
ya man. def agree. bay area traffic is no joke.
So early that the video is unavailable :))
Alexandru Pop Same, scrolling or notification bell?
This is interesting that they send out the notification before it is ready. It might take some time to percolate to your region?
happened to me too. I thought Francis took the video down lol
Is your camera flickering the vid? Maybe its my connection, but I don't think so.
I retired early, make sure you and your sig other have the same ideas about retirement. I love travel and want to live abroad, she doesn't. So now half the time I travel alone for shorter periods...not as much fun without the wife, but if I stay at home too long I'm climbing the walls. Hello from Singapore & the Philippines!
It's TH-cam not error correctly in the upload or not able to handle it for some reason. I bet it will certainly be much more harmonious if you can travel together more.
have you ever thought about opening a liquor store or something in the same line where you have a very low chance of failure?
Dumbfoundlanka You think running a liquor store is easy?
Good question.open a shop, run it for a few years, hire a crew and have them run it while your not there...just an idea
@@taoist32 yes I've been working for 3 owners as a manager in nyc and my best friend opened a store in Sacramento the profit margins are really high and i haven't met a person who lost money from opening a liquor store in the last 10 years
No, I will likely never open one because it doesn't sound like I will have fun doing it.
ur right about dental...I find that the amount of moola I pay out for insurance is more than amt of out of pocket I used even the $1300 root canal procedure I had done last year..I’ve been retired almost 5 years now n it’s been soooo great..I’m only thinking bout putting my cat on utube recently...just for fun, don’t need moola...I sleep when I want, get up when I want, watch old tv series such as Perry Mason n so on. Only thing is all my friends n family r not retired so I’m by myself a lot...I don’t know if uve consider there r many people out there that r actually afraid of retiring...the older crowd mostly...perhaps u can do video to help those feel less afraid to retire...😳
I think it takes practice to get comfortable with more alone time. Also to muster some idea and actually realize it yourself. I hear it's just a skill to learn just like any other.
I have a day off today and do all the activity that i like. Seems the day is so longgggg......
Isn't that good? More time to do what you like?
When I feel myself getting sick i workout out, Idk I think I like the grind and the push. Just for my own business though forreal not trying break my back for someone else's business
Hmmm. Sweat it out? But your body says slow down?
@@BeatTheBush exercise + good sleep , i heard increases Human growth hormones, which repairs cells.
Lactic acid from working out heals you in some respects. If you can bare working out when sick it’s worth a shot.
It has worked out pretty well for me so far... Pun intented🎭
I like the new setting
=D
So it sounds pretty much like being on a college summer break, but forever
I'm early retired also, it was interesting to hear your experience. What are your thoughts on getting married and having children? I'm sure you get asked this a lot. That would obviously cause a big change in your perspective and how you spend your time.
Thoughts on that hmmm. I think it is a worthy goal.
@@BeatTheBush Not a very personal answer, but I respect it.
Interesting viewpoint. What do you think about Andrew Yang UBI?
I like it. Not sure about getting enough traction to win though.
Hard to watch these videos with the glitch :(
Do a video on how to travel cheaply
@@lifesabeach5405 Not cheap, frugal.
It is TH-cam. This error happens within the first three hours a video is posted
Sorry, I forgot to check the glitch this time. I have written a huge note on my wall to check this next time.
You young people are way too fussy.
I tried early retirement. Wound up going back to work because I love money too much. :-P
Depends if you like money or you like time. =D
I'm more interested on how you did with those vacations? Were they especially frugal, or very spendy? $100/day including travel/room/food? Was it just you? Was it mostly visiting places, or spending money for admission to places?
Usually around there depending on where. 20-40% room, the rest is 90% food. The air tickets was generally paid for by credit card points.
Nice touch bringing the T. rex and friends with you by the fireplace.
you are inspirational