▸▸▸ www.365daystofire.com/ Enrollment is now open for our 365 Days to F.I.R.E. Program for 2025 Sign up and get: ◼ Completed F.I.R.E. Plan, Stock Investing Plan, Real Estate Investing Plan, etc. by the end of program ◼ Daily F.I.R.E. Actions ◼ Monthly Live Q&As ◼ Small Accountability Groups ◼ Quarterly Book Club ◼ 3 Meet-ups in Portugal, including a 2-Day Conference with us in Porto! ◼ Private Facebook group ◼ Lifetime access to daily tasks, recorded live Q&As, recorded book club meetings, Facebook group, and resources ◼ Discounted future meetups as 365 Days to F.I.R.E. program alumni ◼ And more! To learn more and enroll NOW, go to: www.365daystofire.com/
I achieved multi- millionaire status by: 1- going to the gym (stay healthy - cannot be productive if you are always sick) 2- only debt is mortgage 3- buy Toyota (in my case a Prius) and drive it as long as you can 4- invest, invest, 5- stay away from the Jones I don't budget, I spend on food and things that I really need.
What type of investments did you makd? I have heard of Dividends, index funds, crypto-currency, trading, real estate, online or traditional businesses and etc. ... there are so many ways to invest. I think crypto-currency is the future.
6 more years. My goal is 40 and I’ll never step into another semi truck again. Damn I wish I didn’t waste my early twenties but I sure had fun lol. Congratulations you two!
After spending years developing(together) wants and needs to get out of debt(mostly student loans). We got out of debt, but that's not the end of the story. We agreed to clamp down and get out of it. Today, my wife now tells me about when people ask her where she got something and she tells them "Walmart", and she loves their reactions. We are both reformed people.
Just reached financial freedom this month, and finally on the road of learning how to invest. Currently in my 20s', but have this mindset of achieving passive income, and developing good financial habits that will hopefully pay off in the future. :) Thank you for this, it's very inspiring!
'Lifestyle inflation'! What a key point. I feel that people nowadays love the APPEARANCE OF WEALTH. It's so key not to get caught up in that web. And the importance of Asking Questions! Great video. Brilliant edit!
Exactly how my boyfriend and I are living, and we still in our 20s, below our means and people that is key. One must live as if they broke and poor if you want financial independence. Why you think most millionaires have one pair of everything! cause they wise with they money.
Eyes Wide Open they put time and effort into this video and revenue and algorithms go off video play time. By you posting this it is effectively stopping their videos showing up on the home page, it’s quite understandable why they did it to be honest.
Nice, I really loved these... being confident and figuring out a way, creating a plan, managing your debt/budget, investing, negotiating.... All gems. I never would have thought of using a pallet, tho, lol. Thanks
So much money to be made from a free pallet! :) Another tip - if you don't have tools to work on the pallet, call your local library and see if they have a tool lending section. Our library in Oakland had one and we saved so much money on tools! :)
This couple’s channel should have 1M sub due to the great investment and financial knowledge that they convey, it is sorely, especially within needed within the African American community. Congrats.
Great tips on saving👍🏽 Love all of them. Also, meal prep and eating at home not only saves us a ton of money but is also beneficial for our health! Thank you for the awesome video!
desire less and you will spend less. if you make a million and spend a million, you made no money at all. you just bought junk because most stuff is just that - junk in the home.
I’ve met many people that make 20 thousand a month and they all have something in accounting or finance. If you want to grow I recommend reading books on investing in stocks real estate and bonds and business anything that can grow your wealth overtime and learn how to do taxes and how the banking system works such as loans,credit and many other things I’m 16 right now so I’ve never done it myself but I’ve read countless books on wealth building and what I’ve learned is that if you play the system money should never be a problem
These are really simple examples of how normal people can achieve FIRE. I always feel pumped and motivated to achieve my own goals after watching your videos!
"These are really simple examples of how normal people can achieve FIRE" Too true. Even if one doesn't achieve FIRE just think about how far ahead you will be when it comes time to have a traditional retirement.
So I binge watch all a majority of your videos. I feel like I've have a better understanding about my finances. So much so that. I actually just change so much about my 401k and HSA. That I now feel that I'm on the right path to financial independence. Thank guys. Keep doing what your doing. Ps I just turn 26. I'm soooo glad I'm making the change now. I'm ready for all that compounding interest lol. 2020 shmood!!!
CONGRATULATIONS - so cool that you are gaining a better understanding of your finances!!! AND thank you for binge watching!!! :) Let that compound interest do its work!!! :)
How did you avoid debt yet bought houses using mortgages? Or is it that you are referring to consumer debt only like car loans or credit card use for day to day things ? In short, do you exclude mortgages when you talk about debt ?
Great video! I assume you talked about avoiding ‘bad debt’ instead of debt in any form. When you choose to use debt as leverage on an investment it’s a good thing, right? What are your thoughts on that?
Yes - avoid BAD debt!!! We used our first Bay Area real estate investment as leverage for our next rental property and then the one after that! :) You can check it out on our video page! :)
Senshudan - there are benefits to renting. it’s not always “throwing money away” like people say it is. for example, you avoid debt being a renter and you’re never really on the hook for most repairs. and you’re not tied to one place for 15+ years.
I love that you are talking about habits. Success is not a one-off action or a lucky break. It’s like the quote, “show me your habits and I’ll show you your future.” (I don’t know who originally said it. 😆)
@@MsPerfume25 Yes, we work together. Because if we never helped each other out, we would've never got anywhere. He always thanks me for buying his first bike for work. To me, it was a no brainer, but without that, he could've never helped me pay off that debt. We constantly motivate one another to stay strong & know that it will all be worth it in the end. To survive in this world you need money, unfortunately, so there's no escaping the fact that debts need to be paid off first. After years of not taking a holiday, I can't help but be proud of our achievement. It's funny, but we even lied about going on holiday at one point, in fear of our jobs!
@@MsPerfume25 11.5 yrs since graduating. But I'm lucky my student debt was not as much as some other people! I'm glad for the experience, but the course itself was not worth it in my opinion. We had to learn most things on our own & I learnt more from being on the job.. I'm just lucky my husband didn't go to uni!
I actually wrote down your idea's on my computer. I agree and am already doing the plan, tracking, the budget and asking questions. Though I need to work on my plan more. I sat down with another millionaire at a Starbucks in China and did exactly what your said. I asked him questions about his process and mindset and wow, he was scary candid and totally real. Thanks for your vids and your book!!!!!
Love, love, LOVE that you are already taking action!!! - Writing things down, working on your plan, talking to millionaires - getting ready for an amazing 2020!!!
You guys made such a great point about lifestyle inflation! You guys always make me inspired to keep pushing! I’m avoiding debt by saving up the money I need to pay my tuition for grad school ❤️
YES! - So glad you're inspired to keep pushing!!! We have a video on getting college tuition paid for in full (or drastically reduced). You can check it out on our video page! :)
Thank you so much for sharing! Did you two have a high yearly income at any point of this journey? Beginning?middle? In order to reach your financial independence at y’all age?
📈Looking to learn how to invest? Enroll in our Stock Market Investing Course: www.ourrichjourney.com/investingforfire 🔥Learn more about financial independence and retiring early: Enroll in our F.I.R.E. Master Class: www.ourrichjourney.com/firemasterclass ✈Want to move to Portugal? Enroll in our Moving to Portugal Course: www.ourrichjourney.com/movingtoportugal
Your channel has been a huge inspiration to me. 💛 I just outlined my 2020 goals, including side hustles and savings goals. Thanks for the amazing content, I'm always so excited when y'all post a new video. 🙏🏽
Habits are HUGE!!! Brian Tracy has one of the best books on habits. "Bad habits are easy to form but hard to live with. Good habits are hard to form but AWESOME to love with!"
One of the challenge as one pursue the journey to financial Independent, is as your wealth grows how to maintain the balance of giving or not, to does less fortunate, especially close family and friends.
@@alineblacklaw2175 I feel like if your in the business of giving money advice you should disclose what your making and how your budgeting it. The viewers then can see how they are really are budgeting. That's why I like pennies into pearls she shows real numbers.
This is amazing! Hubby and I have a 5 year strategy to become millionaires and we're well on our way! Started a channel to share our journey new subbie!!
Sir, Love from India!! We, Indians have habits of savings in built in our gene ! We believe in "Save first and then spend" unlike others "Spend first then save"
I just found your channel and I have to agree with everything you said. We will be retiring in 6 years. We are debt free, a couple of things we are doing addition to what you guys spoke on was we are both doing our 9-5 and have 7 addition sources of income coming in, residual income is key. Much love to you both! 🙌🏼❤️
I think this is the most important video I have watched from TH-cam. You too are so inspiring to me.. I literary got up from my bed at 3am to take notes. I needed to see this and it’s not an accident I somehow come across your videos. I am a definitely joining the club 🙏🏽🙏🏽
I love your videos and your story! We are late bloomers (seeking FI in our mid 40s). It amazing how different the FI mindset is to my natural bent. Your videos are helping shape a new mindset! Thanks!
Could you please make a video about finding a life partner who is financially responsible. Warren Buffett said it was the most important decision. You guys are in sync. Perfect couple.
I love see you guys’ smiles and the interaction between each other. Such an intelligent and lovely couple. Thanks so much for continuing to make videos that benefit others ♥️
Oh man! I look up to you both as inspiration! I’m JUST STARTING my financial journey and I’m hoping to use these habits and maybe in 10 years I can be where u both are!!!
True golden nuggets: 1. Negotiate everything... good idea! 2. Creative value & monetize! & some common sense advice, which folks just don't put into action: Basically, be a conscious consumer (good for both you & for the environment) to live below your means & automate investing your savings!
So glad to hear that! We were constantly side hustling to increase our income - we've got lots of side hustle videos that you can check out on our channel! Thanks for watching and don't forget to subscribe! :)
Do you guys choose to rent so as to not have a mortgage or invest your wealth in where you live and instead in places that money can work for you? Very curious as to why you rent!
5 ปีที่แล้ว +6
Very inspirational! Thanks for sharing your strategies with all of us! :)
best thing i did this year financially ? finding this channel side note: tried getting your budgeting spreadsheet from your website, but didn't get it.
Best thing?! - So awesome!!! :) About the budget, try requesting it again. Sometimes if you enter your email wrong, the link goes to the wrong email. If it still doesn't work, send us an email and we can just send it to you! :)
Happy New Year! One of the things I’m grateful for in 2019 is coming across your channel. Thanks for continuing to inspire and encourage us to be financially savvy and work towards earlier retirement and independence. Your many ideas and info, have certainly helped many. I know this because, my improved financial situation is in part because of the many ideas from your videos and so I thank you very much and wish you and yours, good health, continuous prosperity and joy in the new year. Regards.
Wow - thank you for your kind comment! I LOVE that you are improving your financial situation - CONGRATULATIONS!!! AND I LOVE that you're inspired and feeling encouraged - 2020 will be an amazing year!!!
Hi there! Liz from Las Vegas, NV. You two and your family are the cutest!! And, I love the content you are producing. Thank you so much for that! May I ask, where do we get the financial workbooks? Is that thru your classes? I'd love to learn more.
Thank you guys for sharing your experiences. Would really like to see a video on how to get started in stocks as a COMPLETE beginner - and I mean COMPLETE beginner. How much do you need/recommend as a bare minimum? Which platforms to use? Brokerage accounts etc. Would be super helpful if you guys made a step by step explainer for us!
You guys are so kind to teach us this info because alot of us have never had the chance to learn or be around this info or people that are money stable
Great advice. I love the topic and more importantly the enthusiasm you both. Many of my clients have embraced these habits and thought processes. AWESOME!
Always enjoy your TH-cam posts and share it with friends and my 2 adult kids ❤️👍😊 very good advice 😎🌎🎶🎥 I did it and it works 😊 thanks for sharing and safe travels
I love this video. Great great great advice. That's what I love about the FIRE community--all of these tips and tricks will improve anyone's money situation even if they can't feasibly FIRE.
Hi. FYI. - someone created a spam/fake account, called it Our Rich Journey, and used our photo to respond to your post. IT IS NOT US. If you ever need to know if it is truly us commenting, check to confirm the check mark next to our name (which means the true Our Rich Journey verified by TH-cam). Do NOT call the number the fake account provided. It is a spammer trying to take your money. We reported the account and removed the comments. Please report the fake channel also.
▸▸▸ www.365daystofire.com/
Enrollment is now open for our 365 Days to F.I.R.E. Program for 2025
Sign up and get:
◼ Completed F.I.R.E. Plan, Stock Investing Plan, Real Estate Investing Plan, etc. by the end of program
◼ Daily F.I.R.E. Actions
◼ Monthly Live Q&As
◼ Small Accountability Groups
◼ Quarterly Book Club
◼ 3 Meet-ups in Portugal, including a 2-Day Conference with us in Porto!
◼ Private Facebook group
◼ Lifetime access to daily tasks, recorded live Q&As, recorded book club meetings, Facebook group, and resources
◼ Discounted future meetups as 365 Days to F.I.R.E. program alumni
◼ And more!
To learn more and enroll NOW, go to: www.365daystofire.com/
I love how much you guys use the words “we” and “our”. Teamwork is so crucial.
Hi Miranda! Definitely agree - teamwork is so crucial!
Family! This will instill lifelong confidence and habits into your children and their children.
@youngonce - Yes! BUilding up the next generation! :)
Yes very!
Yep! I read the book "the millionaire nextdoor", the author was saying that couple whose stay together are more likely to be millionaires.
You have a great channel. Practical and useful information with little to no fluff. Congrats and keep up the good work :)
@Marko - WhiteBoard Finance - Thank you so much Marko!!!
@Prince London - Yes! :) Please watch and spread the word!!! :)
My favorite Millionaires on TH-cam dropping knowledge again! Just ordinary people who didn't inherit wealth. I love it! Thank u for sharing!
You are too kind! Thank you so much Renee!!!
Nothing wrong with inheriting it, I did and just want to keep building on it
I have a question. Do they pay for Healthcare?
I achieved multi- millionaire status by:
1- going to the gym (stay healthy - cannot be productive if you are always sick)
2- only debt is mortgage
3- buy Toyota (in my case a Prius) and drive it as long as you can
4- invest, invest,
5- stay away from the Jones
I don't budget, I spend on food and things that I really need.
LOVE your list!!! Like your #3, we bought an $800 used mini-van!!! :)
What type of investments did you makd? I have heard of Dividends, index funds, crypto-currency, trading, real estate, online or traditional businesses and etc. ... there are so many ways to invest. I think crypto-currency is the future.
Don Bsweet I like #3. Just bought a new 2014 Toyota only because family member needed my 2005 Toyota.
@@Penelope416 I have a combination of index funds and stocks. I keep them long term.
@@donbsweet5001 i didnt understand #5..sorry english isnt my 1st language
6 more years. My goal is 40 and I’ll never step into another semi truck again. Damn I wish I didn’t waste my early twenties but I sure had fun lol. Congratulations you two!
People need to "act their wage".
Haha! LOVE it!!! :)
That is the best.
@ johnny t - Haha! The very best! 39 thumbs up and counting!!! :)
I love that!
@Tyson Spiller - New update: Comment posted less than 24 hours ago - 107 thumbs up!!! :)
This woman is worth her weight in gold. You just don’t understand how difficult FIRE is with a partner that doesn’t think the same way.
Aww, you are too kind! Thank you so much!
Oh its easy! Use loa trust me!!! Hes a reflection of u remember that
I feel your pain
After spending years developing(together) wants and needs to get out of debt(mostly student loans). We got out of debt, but that's not the end of the story. We agreed to clamp down and get out of it. Today, my wife now tells me about when people ask her where she got something and she tells them "Walmart", and she loves their reactions. We are both reformed people.
Oh yeah. some of us do understand, trust me
Just reached financial freedom this month, and finally on the road of learning how to invest. Currently in my 20s', but have this mindset of achieving passive income, and developing good financial habits that will hopefully pay off in the future. :) Thank you for this, it's very inspiring!
Start investing in Vanguard Global Stock indexed fund and keep learning from there
hi, would u want an argentinian bf? haha
These tips are so simple and most are just common sense. It’s shocking how so many of us fail to follow them.
'Lifestyle inflation'! What a key point. I feel that people nowadays love the APPEARANCE OF WEALTH. It's so key not to get caught up in that web.
And the importance of Asking Questions!
Great video. Brilliant edit!
You are so right - people are caught up in the appearance of wealth! :(
Exactly how my boyfriend and I are living, and we still in our 20s, below our means and people that is key. One must live as if they broke and poor if you want financial independence. Why you think most millionaires have one pair of everything! cause they wise with they money.
FINALLY found the channel what i m looking for !! my aim to retire before 35 ! bec i am already at 30 : ) already completed my progress 35%
So glad you found our channel!!! And congrats on 35% completion!!! Keep it up!
whats your entier progress?
Loved all of the habits. And the tip about asking questions to know their mindset. That is GOLD. Thank you
We live like this and most people think we are poor. Lol But we’re not.
Haha! Stealth wealth! LOL!
Eyes Wide Open they put time and effort into this video and revenue and algorithms go off video play time. By you posting this it is effectively stopping their videos showing up on the home page, it’s quite understandable why they did it to be honest.
Did you read the "millionaire next door?" It sounds like you meet the description :)
Are you "The Millionaire Next Door" ?
I hope me and my partner will learn to do this but sad things im the only one willing to change
Nice, I really loved these... being confident and figuring out a way, creating a plan, managing your debt/budget, investing, negotiating.... All gems. I never would have thought of using a pallet, tho, lol. Thanks
So much money to be made from a free pallet! :) Another tip - if you don't have tools to work on the pallet, call your local library and see if they have a tool lending section. Our library in Oakland had one and we saved so much money on tools! :)
That's why I bought a rental property at 22.
Already taking steps for financial independence - sooooo great!!! :)
@@OurRichJourney that's how I was taught to use inflation as leverage. I had great mentors
Sounds like you found some great mentors! :)
I'm doing the rental game too. I have 1 duplex, 3 single family homes now. Trying to grow my inventory!
@@caroleehubbard8380 that's awesome
This couple’s channel should have 1M sub due to the great investment and financial knowledge that they convey, it is sorely, especially within needed within the African American community. Congrats.
Aww, that is so kind of you to say! Thank you Keith!!!
Great tips on saving👍🏽
Love all of them.
Also, meal prep and eating at home not only saves us a ton of money but is also beneficial for our health!
Thank you for the awesome video!
desire less and you will spend less. if you make a million and spend a million, you made no money at all. you just bought junk because most stuff is just that - junk in the home.
Desire less and spend less - right on! :)
Soooo true!!!!
Best comment!
I’ve met many people that make 20 thousand a month and they all have something in accounting or finance. If you want to grow I recommend reading books on investing in stocks real estate and bonds and business anything that can grow your wealth overtime and learn how to do taxes and how the banking system works such as loans,credit and many other things I’m 16 right now so I’ve never done it myself but I’ve read countless books on wealth building and what I’ve learned is that if you play the system money should never be a problem
Good to start early
Well said
These are really simple examples of how normal people can achieve FIRE. I always feel pumped and motivated to achieve my own goals after watching your videos!
Aww - you are so awesome! So happy you're feeling pumped and motivated!!!
Me too!!!
"These are really simple examples of how normal people can achieve FIRE"
Too true.
Even if one doesn't achieve FIRE just think about how far ahead you will be when it comes time to have a traditional retirement.
@Arun71150 - Yaaaayyy! Thanks for watching! :)
@ mjs28s - So, so, sooooo true!!!
So I binge watch all a majority of your videos. I feel like I've have a better understanding about my finances. So much so that. I actually just change so much about my 401k and HSA. That I now feel that I'm on the right path to financial independence. Thank guys. Keep doing what your doing.
Ps I just turn 26.
I'm soooo glad I'm making the change now.
I'm ready for all that compounding interest lol. 2020 shmood!!!
CONGRATULATIONS - so cool that you are gaining a better understanding of your finances!!! AND thank you for binge watching!!! :) Let that compound interest do its work!!! :)
i would look into roth ira as well.
@@williamlewis3582 Who is she/he? :)
Hello family. Thank you for the consistency and keeping us motivated. No excuses 🙏🏾🙏🏾 btw first year of HSA. 👌🏾
Hay Fam! :) LOVE that you are motivated with no excuses!!!! :) Also, yaaaaaaayyyyy HSA!!!!
Our Rich Journey I learned from the best (you guys)
You are too kind - always supportive - YOU are the best!!! :)
So. What does saving 70% of your income mean? Does that include 529 plans, investments into IRAs, and whole life insurance?
How did you avoid debt yet bought houses using mortgages? Or is it that you are referring to consumer debt only like car loans or credit card use for day to day things ?
In short, do you exclude mortgages when you talk about debt ?
The two most intelligent people on TH-cam. I just had to say that.
Well, I just LOVE that you just had to say that! Hehe! Too kind!!! :)
Great video!
I assume you talked about avoiding ‘bad debt’ instead of debt in any form. When you choose to use debt as leverage on an investment it’s a good thing, right? What are your thoughts on that?
Yes - avoid BAD debt!!! We used our first Bay Area real estate investment as leverage for our next rental property and then the one after that! :) You can check it out on our video page! :)
You mentioned that you rent still. Can you explain why you are doing that instead of buying your own place? What are the benefits long term?? Thanks!
Thanks for watching. We're going to be doing a video on rent v. buy in the future.
I was scratching my head about the same thing.
@Esther Innocent Real Estate is an investment, and usually a good one. Rent is money down the drain. If you can buy for cash, that's not a loser.
Senshudan - there are benefits to renting. it’s not always “throwing money away” like people say it is. for example, you avoid debt being a renter and you’re never really on the hook for most repairs. and you’re not tied to one place for 15+ years.
There's 1 thing about being debt-free & another thing about retiring early. I'm curious about how you have budgeted for this while still renting.
I love that you are talking about habits. Success is not a one-off action or a lucky break. It’s like the quote, “show me your habits and I’ll show you your future.” (I don’t know who originally said it. 😆)
Believe in yourself, create a positive mindset, and create a plan of action. The foundation to achieving an life you desire.
That's right! That's right! :)
My husband & I recently paid off my student loan just a few months ago & it feels so freeing! To be debt free 🥳
Did ur husband help you???
@@MsPerfume25 Yes, we work together. Because if we never helped each other out, we would've never got anywhere. He always thanks me for buying his first bike for work. To me, it was a no brainer, but without that, he could've never helped me pay off that debt. We constantly motivate one another to stay strong & know that it will all be worth it in the end. To survive in this world you need money, unfortunately, so there's no escaping the fact that debts need to be paid off first. After years of not taking a holiday, I can't help but be proud of our achievement. It's funny, but we even lied about going on holiday at one point, in fear of our jobs!
How long did it take to,pay off all student debts
@@MsPerfume25 11.5 yrs since graduating. But I'm lucky my student debt was not as much as some other people! I'm glad for the experience, but the course itself was not worth it in my opinion. We had to learn most things on our own & I learnt more from being on the job.. I'm just lucky my husband didn't go to uni!
I actually wrote down your idea's on my computer. I agree and am already doing the plan, tracking, the budget and asking questions. Though I need to work on my plan more. I sat down with another millionaire at a Starbucks in China and did exactly what your said. I asked him questions about his process and mindset and wow, he was scary candid and totally real. Thanks for your vids and your book!!!!!
Love, love, LOVE that you are already taking action!!! - Writing things down, working on your plan, talking to millionaires - getting ready for an amazing 2020!!!
You guys made such a great point about lifestyle inflation! You guys always make me inspired to keep pushing! I’m avoiding debt by saving up the money I need to pay my tuition for grad school ❤️
YES! - So glad you're inspired to keep pushing!!! We have a video on getting college tuition paid for in full (or drastically reduced). You can check it out on our video page! :)
Hey Bianca!
Can we be friends?🙏
Our Rich Journey thank you! I had no idea you guys had a video on that! 🤯 going to go watch it now ❤️
I'd never known that millionaire could be... this humble 💕 I subscribed
Millionnaires are humble. Not the people who spend to give the impression that they are rich when they are not...
Millionnaires are frugals...
Thank you so much for sharing! Did you two have a high yearly income at any point of this journey? Beginning?middle? In order to reach your financial independence at y’all age?
📈Looking to learn how to invest? Enroll in our Stock Market Investing Course: www.ourrichjourney.com/investingforfire
🔥Learn more about financial independence and retiring early: Enroll in our F.I.R.E. Master Class: www.ourrichjourney.com/firemasterclass
✈Want to move to Portugal? Enroll in our Moving to Portugal Course: www.ourrichjourney.com/movingtoportugal
Your channel has been a huge inspiration to me. 💛
I just outlined my 2020 goals, including side hustles and savings goals.
Thanks for the amazing content, I'm always so excited when y'all post a new video. 🙏🏽
Same here!! My goals for 2020 is to work on my children's mindset!!
@Lucy Sour - Thank you so much - so happy to hear you're feeling inspired! LOVE the excitement!!!
@Edmar Costa- LOVE the goal! - Creating generational wealth!!!
Straight to the point and very solid points. Happy New Year to you and the family!
Thank you so much Mike! So happy you liked the video! Happy New Year!!!
Habits are HUGE!!! Brian Tracy has one of the best books on habits. "Bad habits are easy to form but hard to live with. Good habits are hard to form but AWESOME to love with!"
One of the challenge as one pursue the journey to financial Independent, is as your wealth grows how to maintain the balance of giving or not, to does less fortunate, especially close family and friends.
What was your income ranges throughout the 10 years if you dont mind me asking?
They won't DISCLOSE. it's sensitive.
They probably had significant income
@@alineblacklaw2175 I feel like if your in the business of giving money advice you should disclose what your making and how your budgeting it. The viewers then can see how they are really are budgeting. That's why I like pennies into pearls she shows real numbers.
This is amazing! Hubby and I have a 5 year strategy to become millionaires and we're well on our way! Started a channel to share our journey new subbie!!
What's your approach top paying off debt? Do you recommend the debt snowball or something else?
This is a very helpful video. It'll be great if things like this were shown and talked about in schools.
*Great habits often leads to great results* 💪🌚
YES, YES, YES - so true!!!
This is awesome info. Thank you!
Did you get out of debt before you auto investment savings. And also pay yourself before you for out of debt?
Sir, Love from India!! We, Indians have habits of savings in built in our gene !
We believe in "Save first and then spend" unlike others "Spend first then save"
Save first and then spend rather than spend first and then save - LOVE it!!!
Then why are most Indians poor ?
@@sarahann530 Who say poor? Come and visit India. They are rich both from heart and by bank balance.
You two are the best! Thanks for the consistent wisdom.
You are too sweet! Thanks for watching Dannie!
I just found your channel and I have to agree with everything you said. We will be retiring in 6 years. We are debt free, a couple of things we are doing addition to what you guys spoke on was we are both doing our 9-5 and have 7 addition sources of income coming in, residual income is key. Much love to you both! 🙌🏼❤️
Thank you Gloria! And congratulations on being only 6 years from retirement!!! Thanks for watching and don't forget to subscribe! :)
What other 7 streams of income?
I think this is the most important video I have watched from TH-cam. You too are so inspiring to me.. I literary got up from my bed at 3am to take notes. I needed to see this and it’s not an accident I somehow come across your videos. I am a definitely joining the club 🙏🏽🙏🏽
Wow! That is so cool! Thank you so much for your kind comment! :) Now, time to get some sleep! :) Hehe!
I love your videos and your story! We are late bloomers (seeking FI in our mid 40s). It amazing how different the FI mindset is to my natural bent. Your videos are helping shape a new mindset! Thanks!
Peter - LOVE that you are shaping a new mindset! CONGRATULATIONS! :)
On one of your videos you spoke of groups that focuses on financial freedom located in Atlanta. Would you happen to know the names of the groups?
Could you please make a video about finding a life partner who is financially responsible. Warren Buffett said it was the most important decision. You guys are in sync. Perfect couple.
Negotiate rent prices how would you do that ? Didn’t realize that was a thing
Why are you renting when you can buy? You are paying off someone else's mortgage.
I have to rent before I can buy ...that’s the goal but I’m not there yet thanks 👋🏽
You can ask for one month free if you pay three months in advance...etc.
Thank you for sharing. I struggle with adhd & sticking to things. Your channel has been vital to me changing my life for the better.
I love see you guys’ smiles and the interaction between each other. Such an intelligent and lovely couple. Thanks so much for continuing to make videos that benefit others ♥️
Thank you!!! So glad you're enjoying the videos!!!
The missing item in your LIST is the fact that BOTH of you are bought into the LIST. Not an easy thing to do in most relationships.
Oh man! I look up to you both as inspiration! I’m JUST STARTING my financial journey and I’m hoping to use these habits and maybe in 10 years I can be where u both are!!!
Yes - positive mindset!!! You WILL be here!!! :)
Couple Goals. Financial Goals. Just all the goals all of them.
True golden nuggets: 1. Negotiate everything... good idea! 2. Creative value & monetize!
& some common sense advice, which folks just don't put into action: Basically, be a conscious consumer (good for both you & for the environment) to live below your means & automate investing your savings!
Thank you for constantly supplying us with great content. Great channel to subscribe to 🙏🏿
You are too kind! Thank you so much Omar!!!
They are gems!
@
Travis Williams - Thank you!
How do I get a copy of your workbook?
You guys are wonderful. I'm practicing quite a few of these principles. The one thing I'm working on now is my income.
So glad to hear that! We were constantly side hustling to increase our income - we've got lots of side hustle videos that you can check out on our channel! Thanks for watching and don't forget to subscribe! :)
That's great but how do you pay for it handle health insurance for your family when you retire early?
This was great y’all! Thanks!!!✊🏾🦉💯
Thank you so much! :)
Do you guys choose to rent so as to not have a mortgage or invest your wealth in where you live and instead in places that money can work for you? Very curious as to why you rent!
Very inspirational! Thanks for sharing your strategies with all of us! :)
Aww, thanks for watching!
Wow I just listen to 7 minutes of life changing ideas 🙌🏾 thank you guys so much for sharing all that knowledge.. my goal is to retire in 5 years 🙏🏾
best thing i did this year financially ? finding this channel
side note: tried getting your budgeting spreadsheet from your website, but didn't get it.
Best thing?! - So awesome!!! :) About the budget, try requesting it again. Sometimes if you enter your email wrong, the link goes to the wrong email. If it still doesn't work, send us an email and we can just send it to you! :)
Happy New Year! One of the things I’m grateful for in 2019 is coming across your channel. Thanks for continuing to inspire and encourage us to be financially savvy and work towards earlier retirement and independence. Your many ideas and info, have certainly helped many. I know this because, my improved financial situation is in part because of the many ideas from your videos and so I thank you very much and wish you and yours, good health, continuous prosperity and joy in the new year. Regards.
Wow - thank you for your kind comment! I LOVE that you are improving your financial situation - CONGRATULATIONS!!! AND I LOVE that you're inspired and feeling encouraged - 2020 will be an amazing year!!!
Love this video! We’re currently on our journey as a couple! We just shared a video on how we budget for vacations as a couple ✨
Can you say something about sectoral mutual funds.
Hi there! Liz from Las Vegas, NV. You two and your family are the cutest!! And, I love the content you are producing. Thank you so much for that! May I ask, where do we get the financial workbooks? Is that thru your classes? I'd love to learn more.
Thank you guys for sharing your experiences. Would really like to see a video on how to get started in stocks as a COMPLETE beginner - and I mean COMPLETE beginner. How much do you need/recommend as a bare minimum? Which platforms to use? Brokerage accounts etc. Would be super helpful if you guys made a step by step explainer for us!
Great idea - thanks for the recommendation!!!
Our Rich Journey I look forward to it❤️
Love your channel. Inspiring! I'm on my way passed stage 5...Keep it up and Happy New Year to you!
CONGRATULATIONS in passing stage 5! Happy New Year!
You guys are so kind to teach us this info because alot of us have never had the chance to learn or be around this info or people that are money stable
Great advice. I love the topic and more importantly the enthusiasm you both. Many of my clients have embraced these habits and thought processes. AWESOME!
Thanks for the video. Great practical advice!
I felt your guys are very generous. I also want to be millionaire next day. Thank you for adding so much value to my family.
That is such a kind comment. Thank you so much! I'm so happy to hear that we're adding value to your family! :)
Cant see the link to your booklet
Just found your channel! Wonderful advice! :) Congrats on your success!
Y’all are the best! I love the tips 🙏🏻
Yaaaaayyyy! Thank you so much Violet! So happy you like the tips! :)
Thanks guys, another great vlog. I need to purchase your book. Happy holidays. 👍🏾👍🏾👍🏾👍🏾
Natalie - thank you so much - so happy you liked the video. Happy holidays! :)
Wonderful video!! Happy New year!!!!!
Great video as always guys makes me me motivated to achieve financial freedom 😁
Thank you - so happy that you're feeling motivated to achieve financial freedom!!!
Nice couple. And I like the collaboration. One speaks the other continues. Thanks
Quite informative! Happy 2020! 🎇🎆✨
Thank you! Happy 2020!!!
Another great video.
Glad you enjoyed it! Thank you!!!
If you have extra $, would you buy more shares of the stock that you already have or would you purchase a new one? Need your help.
It depends - we have a lot of different investments! We recommend developing an investment plan and assessing your level of risk!
Always enjoy your TH-cam posts and share it with friends and my 2 adult kids ❤️👍😊 very good advice 😎🌎🎶🎥 I did it and it works 😊 thanks for sharing and safe travels
Thank you Tom! SO excited to hear that you're sharing our videos with your kids!!!
Just curious, were you saving over 70% before or after taxes?
I love this video. Great great great advice. That's what I love about the FIRE community--all of these tips and tricks will improve anyone's money situation even if they can't feasibly FIRE.
Thank you! And I love your point - the habits can help even if someone doesn't reach FIRE!
Pay Yourself First. This is so important in the whole scheme of things. Very nicely put. Thanks for all the videos that you guys put up...
Hi. FYI. - someone created a spam/fake account, called it Our Rich Journey, and used our photo to respond to your post. IT IS NOT US. If you ever need to know if it is truly us commenting, check to confirm the check mark next to our name (which means the true Our Rich Journey verified by TH-cam). Do NOT call the number the fake account provided. It is a spammer trying to take your money. We reported the account and removed the comments. Please report the fake channel also.
Great advice, thanks! How can someone ask you questions?
Do you use the app that rounds up and invests your change? I think it's called Acorn??? What ways do you automatically invest? Great video.
We don't use Acorn. We set up our brokerage accounts so that we were automatically investing money into them!
Where's the link?
*Great habits and thanks for sharing this!* 👍
Thanks so much! Glad you liked them!
Just found your channel...thank you so much!
What inspiration!
Best advice ever...PAY YOURSELF FIRST!! Was out of town for a bit. Catching up with you two. Great to see you again!😀