I think your real secret is enjoying the simple things in life: love of a partner, rejection of materialism, joys of travel...appreciation of wine and beer!! If only more people could be like you what a wonderful world it would be...there's a song in that somewhere. More videos on finance and lifestyle please!!
What a great comment thank you 🙏 we will leave the song writing to you we are no good at that LOL 😂😂. While we are not travelling we have been thinking about doing more on Finance and Lifestyle we are treading cautiously to see if our viewers like it . Have a great week Cheers 🍷👍🍺
I can contribute with a few tips. Most travelagents are way over the limit on prices for living on the Algarve. I was earlier before my private renting, using a Travel agent stationed in England and Ireland. Alpharooms.com Their are two great benifits. You can either pay in british pounds or Euro. You can book by the week, month or longer periods. Cheaper prices as the summerseason is passed. When it comes to payments etc. living abroad there is always a hazzle with exchange rates etc. Here is an Early Christmas tip that will revolutionize your expensis for ever. Get the Visa Cashcard from REVOLUT. With this card you can exchange money to an from any currancy - with almost Bank rates. You have an app in your phone were you do all settings live. Currency to use, transactions to other Revolut card holders. With the highest Revolut card Metal you have access to all lounges at airports. Delays etc. no problem! Enjoy!
@@ThisIsOurRetirement Believe it or not, yesterday I went to the stationary and bought a little notebook just for your ideas (jotting down my already saving ideas/comparing, as I live in Europe). Here I am on my balcony with my coffee and my Yorkshire Terrier (British 😉) repeatedly listening to your videos. I am thankful and let the commercials run.
@@MA-cy7su There is nothing wrong with good old fashioned note books, in fact Our travel journal we keep is a small notebook 📒 too. We appreciate your support and hope you have a great week Cheers 🍷🇬🇧🍺🇨🇦
I to retired early at 58. Also sold my house and move to a condo they cut my expenses so low. I to I didn't know I was on fire now that I heard you guys talk about it you just younger ones. And I did retired in 2020 in the middle of all this covid-19 mess. I do do some side Hustle but three days a week part-time 12 to 15 hours to have some extra cash and like I really need it. I think more people should do that it's more relaxing less stressful I also think they'll probably expand lifespan and live a healthier life.
Hi Joanna TFW and congrats on your retirement 🥂🥳isn’t it a wonderful feeling to be able to do what you want when you want , your part time job sounds great and also means you are meeting people too which is nice. Glad you have joined the FIRE 🔥 club , not sure which country you live in but soon there will be pension money too to add to your wealth. Hope you are well and have a great weekend Cheers 🍷👍🍺
I love watching your channel. I started watching last year, because of your trips to Portugal. I was born in Portugal and came to Massachusetts when I was 2 years old, with my family. I returned to Portugal when I was 23 and not again till last July, with one of my sons and daughter-in-law. I'm hoping to return again, maybe next year, if it's safe to travel. My son and daughter-in-law enjoyed seeing were I was born and loved the sites and culture. I didn't realize how attached I became to Portugal and that I missed so much in not traveling, to see my homeland, more often. My brother has been several times. Anyway, your trips have given me my Portugal fix. I also enjoyed your other excursions and your talks during the quarantine period. Very informative and entertaining. Thank you
We are so happy that you enjoyed our Portugal videos and that they gave you your Portugal fix lol We have enjoyed all our trips there and regret not being able to make plans for this coming winter as everything is so uncertain with the virus. Hopefully you will get to go soon, there is so much to enjoy in Portugal from the history, nature, food, wine and of course the people of Portugal. Thank you for telling us about your trip.
I'm really enjoying your videos, Tina & Norm, which are thought provoking and calming. No car and no mobile phone - good for you! I lived in China for 6 years without a car. I'm now in Thailand with another 6 years under my belt. My girlfriend, lived with me in Bangkok for a year and sold her car. She travelled to/from work by BTS Skytrain. In early 2021 we moved to her apartment in a different part of Bangkok and so she bought a car - for convenience. 12 years without a car was my humble attempt to re-balance all the miles I drove, in the UK, as a Sales Manager. I prefer to walk. Best wishes, from Bangkok.
Hi David , since this video we have now bought a car 🚙 just before Covid , so glad we did because public transportation, renting cars etc is all a big mess. Plus we can drive up to our trailer which is a couple of hours away , we wish you a wonderful weekend in Bangkok 🇹🇭 Cheers 🍷🌺🍺
I am loving your videos. I have been home sick binge watching them all day. I am 50 and my husband is 62. I have known that I wanted to retire at 55 but ended up getting divorced at 40 with four teenagers to raise, which made it a challenge and my now husband didn’t know much about retirement planning when we met. We have gotten ourselves on track and built up quite a net worth in nine years following FIRE principals. We’re a few years away from retirement for him and partial for me. Your videos make me feel encouraged and more secure about it. Thank you so much.
Thanks for watching our videos and we are glad they give you encouragement, it’s sounds like you have a great plan in place. We wish you both a great retirement we hope you have a great week and hope you feel better soon 💐ATB 🍷🌺🍺
You make me smile. I am in my last two years of working and am looking forward to retiring with the love of my life. May I smile with him as you two smile together.
WE also as the Portuguese thank you for making all of us intrerested in this BEAUTIFUL country with its just as beautiful and friendly people. For me your videos gave me totally new perspectives on life as retired. In my youth before settling for parenthood I travelled to US and worked with custom combining for 2 years from mid USA all the way to Canada. So after all that I thought I had have with travelling. But then you two came on my path. I fell like a tree for your Portugal videos. I emediately booked a trip and visited Portugal for 2 weeks in May last year and made up my mind. Here is were I want to spend the rest of my years to come. Moved to Portugal in October 2019. Now living in Alvor. I was lucky to find a brand new apartment to rent after renting at a hotel in a Pria da Rocha. Where prices tend to rise reaching enormuos heights during summer season. Alvor is perfect. Calm during winter, spring and fall. THANK YOU!! Norm and Tina!
That is a nice story to share thank you Bo, Alvor is a very nice place, our friends have been going there for two years in the winter. We have been there twice and had a good walk each time. The winters must be a lot better for you than in Sweden. It's looking doubtful to us for a trip this winter to Portugal, the U.S. Canada land border is still closed and will be up to the end of August, but they keep extending it. We don't wish to sit in a plane on a seven hour flight wearing face masks 😷. We are both glad you have a nice new apartment in Alvor. We are working on a new Portugal video. Keep well and safe. 🇸🇪 🇵🇹 🇨🇦 🇵🇹
@@ThisIsOurRetirement Hope to see you in Alvor. Watched the last video from Alvor when you drank beer and wine behind InterMarche. Thoose bars are also my favorites. We might meet one day.😎👍
It's so nice that your retirement life was influenced in a positive way by Tina and Norm! I hope you're still enjoying your apartment in Alvor. If not, where are you now? I've seen photographs of Portugal and it's absolutely stunning!
We are on fire too 🤣🤣 I retired last September just before my 58th birthday and Sue finished two months ago in May and she is a little younger than me 😉 So we have to make our saving last until the UK pensions pay us aged 67 here. It’s a lifestyle that we have worked for over the last 40 years and we have been together since 1978. I think it’s time for change 👍🏻😉🚐 Enjoyed your story, as it gives us confidence that we are not alone. Have fun and keep those Vlogs coming 🥰 Trev & Sue
We are lucky that Canada and the U.S. can draw the state pension early if you want to at 60, so we both did that. I’m due to get a UK pension to if I get to 67, Tina will be the last age group in Canada to get the other Canadian pension at 65, they raised it to 67. In total there are three state pensions in Canada. Great to hear you are burning away on Fire, congratulations. Both of you keep well and safe.
Thanks for doing this video. Very nice to get another Canadian's perspective. We didn't hear about F.I.R.E until a few years ago. We have always paid into our pension and bought RRSPs, we just called it saving for retirement :-) F.I.R.E is a lot more catchy. We are 5 years away from our planned retirement date. We aren't planning to sell our house. Instead we had a contractor build a legal apartment in our basement. Now the income from the apartment more than covers our taxes,utilities and insurance (no mortgage anymore). We built the apartment with the thought that we will probably live in it someday and rent out the main part of the house. This would provide more income and we could feel free to leave the apartment for longer periods, to travel, while someone else is living in the main part of the house. Of course we have also thought about selling everything and moving down east, Ontario is so expensive!
Thanks for dropping by we also have RRSPs, sounds like you have a great plan to look forward to in 5 years. For us when we looked at early retirement we considered our health as we wanted to travel rather than waiting as you never know what might happen. Yes Ontario is expensive and we hear lots of people sell up and go out East , for us the Winters ⛄️❄️there would be too hard . There are a lot of smaller towns where the cost of living is a lot Lower as we have found . Hope you have a great weekend Cheers 🍷🍺😎
I love the Portugal videos and still watch them every so often. They are always thoughtfully done and show those visiting all the interesting places in the Algarve. Good to see you both well 🇵🇹🇵🇹🇵🇹
Hi Mark, Thanks for your kind comment, we miss being in Portugal and may not get back this winter as our borders are still closed. We are both glad you enjoy the Portugal 🇵🇹 videos, we watch them too they bring back our fond memories. Thanks for you Twitter support we do appreciate that.
We talk about Financial Independence Retire Early F.I.R.E and our journey of retiring in our fifties and having side hustles to pay our monthly outgoings, we hope you enjoy the video.
Nice talk, my husband will going to retire maybe next year already and we love to travel also like you guys, and live a simple life and be content what we have and be happy, Nice sharing and continue the fire.
I love, love, love your videos. It is so awesome that you've discovered you were on "FIRE" all along. You both are very inspiring and relatable. Keep up the great content. I'm sure you both won't become "indentured" to your TH-cam channel. Continue to share what's on your heart when you want to.
Thanks for watching and we are glad you enjoy our videos as much as we enjoy making them and sharing our story, either on retirement or travelling.We feel great now we are on FIRE🔥LOL 😂😂 We hope you are staying safe and keeping well have an awesome week Cheers 🍷👍🍺😎
Well said Norm and Tina , My wife and I planned along similar lines myself I retired at 48 and her soon she loves working and social interaction. So happy to see you both happy , healthy and making things work well for you both. Big like 81 hope more people follow your advice. 👍😎
F.I.R.E. has been the cornerstone of personal finance for so many years, and it's refreshing to hear y'all talk about it. Interesting perspective, especially when you interrelate F.I.R.E. to retirement and investments. Great wisdom here. Thanks. - ✨ *Your Awesome Friends at The S'witty Kiwi Show* 🤎
Thank you for a nice comment, we hadn’t heard of the acronym before but are very familiar with the concept. We are going to follow up with another video related to this topic. Thanks for stopping by we appreciate it and stay awesome!
Outstanding quality of video and contents will ensure the popularity of your channel, Thanks you for sharing your knowledge and well edited production.
You two are on FIRE and you didn't even realize it! Norm and Tina, you two are a great example of what people can do if they set their minds to something and go for it. You retired early and are enjoying life in a great apartment and taking fantastic trips. And you take us all along with you! Cheers to you both! 🍾🍷🍸🍹🍺🍾
Hi Sue thanks for dropping by we are glad that you like coming along with us on our travels .Hope you are both well and have a great weekend Cheers 🍷👍🍺
Congrats on your retirement and thanks for sharing! Having the fixed costs down to 25k yr is key! Sorry Tina, Norm is correct, a little wine and beer are Necessities!!!!
Your videos always put a smile on my face. The biggest thing holding my wife and I back from retiring "early" is the cost of health insurance in the U. S. Until we are both eligible for Medicare (age 65), retiring doesn't seem feasible. Thanks for the upbeat videos! Keep up the good work.
Unfortunately, the affordable care act is anything but affordable. It is more like bankruptcy protection. I was on it for years. It cost me over $1000 per month (unsubsidized) and didn't cover virtually anything. The only individuals that it truly helps are those that qualify for expanded Medicade and live in a state that has accepted those benefits from the federal government. Mine hasn't. Thanks for the suggestion though.
Hey Tina and Norm!! So great to see you both, and Tina your hair looks too adorable! We get it girl.. when it comes to not getting your hair done for a year.. it feels amazing when you finally do! Loved hearing your topic on F.I.R.E. and being able to retire early. Too cool that you were both able to retire before 60.. that's pretty much unheard of here in the USA, funny enough Butters parents both retired before 60 as well (they're Canadian). Here a lot of people are working into their late 70s before they can even retire. $2100/month is not bad for your life expenses. Ours is over double that, but then again.. living in Los Angeles, and our rent alone is $2500/month. Plus utilities and everything else that's included with a household.. cars, insurance, food and etc. Interesting to hear you both don't have cell phones, but you enjoy the magic jack. We have heard of it, but haven't used it before. We were wondering, what if you are flying to another part of the world and your kids want to get ahold of you and you don't have a cell phone? They have to wait til you log into the computer and email them? We can imagine if we got rid of our cell phones, our families would flip out that they couldn't get a hold of us LOLOLOL. That is amazing to hear that Norm became a professional photographer and now you guys can live off that income and not have to work regular 9-5 jobs. We hope we are like you guys someday in the way you get to travel and truly enjoy your life, and still have a nice view of the lake!! We hope Norm gets out and goes fishing! Great video and love you guys to the moon!!
Hi Bears and Butters , TFW wow 🤩your expenses are really high in Los Angeles you need to move to Canada 🇨🇦 LOL 😂 🤣. Sounds like Butters parents were on FIRE 🔥 too. When we are travelling and arrive at an airport the first thing we do is contact our grown up Kids as airports always have WiFi, so it’s never been a problem. All places we stay have Internet, we FaceTime and call back home to Canada 🇨🇦 free on Majic Jack. Yes we have heard in The USA people still working in their 70s that’s very 😢 sad as by then a lot have health issues and don’t get to enjoy their retirement. Hope you are both staying safe as we see the Coronavirus numbers really high with you 😱keep well and enjoy life Hugs Norm and Tina 🤗 Thanks for liking my hair I love the highlights 😍Cheers 👍🍷🍺
Congrats on being F.I.R.E. It's awesome to hear that you have a side hustle that pays all your expenses. Most people on F.I.R.E rely on their million dollar stock portfolio for income. They use the infamous 4% rule (withdrawing 4% of their portfolio to live on). With recent extreme market volatility, it would be gut wrenching to see it drop 30% in March, only to see it come roaring back. Having to sell securities for income in a down market(s) is detrimental.
We always felt our house would provide our income in retirement by selling it but the royalties from photography built up over the years and being a little more frugal makes ends meet. The stock market gives and takes, the opportunity for us was buying quality stocks cheaper as we had cash available. We love being able to find new ideas on the Internet and F.I.R.E has been interesting to read about. Thanks for watching we appreciate it.
Love how you both communicate together. My husband and I are 'on fire' too finally both retired. I was first 😂! No big dark hole for me. I am still active and the days just melt away quicker than I'd like. Actually not working saved me money too. Less clothing, visits to the hairdresser etc. Fuel you name it. The important thing is to have hobbies and things that one can be passionate about in lieu of work. I started my channel to share my special time I have with my Australian grandson when he visited two years ago. Now I try to up my game, produce better videos and share the things I do, places we go and new adventures we experience. We too loved Portugal and hope to revisit once the world has healed from this sad and confusing time for many. Stay safe and keep smiling. ❤️🎥🌷👋
Thanks for a lovely comment and great way to communicate with your Grandson, we are glad you have Hobbies we are so busy don’t know we managed to work LOL 😂😂 With travel on hold actually not sure when that will come back with all the Coronavirus doesn’t seem to be improving very fast . Take Care and enjoy your week Cheers 👍🍷🌺
@@ThisIsOurRetirement I know what you mean about not knowing how one balanced one's life with work before retirement. I'm optimistically positive we will travel again but maybe with more forethought, respect for the environment and needs for a healthier world in mind. 👍🌷🙋♀️
Thank you for a great comment, we hope we will be back in Portugal 🇵🇹 soon, this winter ☃️ is looking doubtful for us though. Stay safe and well too.😎😎
Lol. I just watched the video about not needing a car yesterday. I've had a side hustle for at least a decade. I would love to get into photography, too. I do freelance writing as my side gig and have been since about 2006. When I get my debt paid off, I'm going to write only, unless I do get into photography. I am enjoying your channel.
LOL...I'm on F.I.R.E. too! Thanks for informing me! LOL...We retired at 55! We have a Magic Jack for our Arizona home...they work great. It's nice living the Canadian dream isn't it? 👍
Indeed living the dream in Canada 🇨🇦 The whole fire thing was a surprise to us too. Hope your coping with the virus situation, it doesn’t look good for our trip to Alabama in October. Thanks for watching have a great week 😀😀
@@ThisIsOurRetirement I'm not sure we will get to Arizona...we are coping well. As well as can be that is. This virus is something to be wary of for sure. Being in Manitoba, we have only had 300 and some cases and no new cases in the past 12 days so we are pretty safe here. Alabama might not happen. I don't think I want to head down there until the US gets the virus under control. Then there is the health insurance issue as well. Take care, be safe and stay in touch.
TFW guys hope our story helps you too , hope you are keeping well it looks like a great weekend here weather wise a heat wave 🥵 hope you get it too.Cheers 🍷👍🍺
for sure you have to prepare for retirement seems you made all the right decisions so you could retire early for some of us we love our work and dont want to give it up everyone to their own thing *full viewed👍Au👍left our like for you*
Thanks so much we do try to be as honest as we can , and that we are just having a conversation with everyone about our story but we are loving being retired. Enjoy your weekend Cheers 🍷👍🍺
Well done Tina and Norm. Yes the Corona virus is helping people make changes in their lives. Love your Portugal travel videos. Have a great weekend Norm and Tina.
Hi Peter and JoJo thanks for dropping by, glad you like our Portugal 🇵🇹 series we are missing not being able to go there but that will change . Hope your Winter weather isn’t too cold we are having a heatwave here 🥵🥵 Stay safe and enjoy your weekend Cheers 🍷🍺👍
@@CowboyJojosAdventures Sorry to hear that you are back in Lockdown just when You think things are getting better. In the USA 🇺🇸 things are really bad going completely in the wrong direction , it’s not over yet take care 🙂👍
Its amazing how a few key decisions can lead to a better life, there is no right way just the way you chose. Ya know whats funny, I was a photographer from my 20's till my late 40's, how things have changed with that technology , I enjoyed the conversation , All The Best
Thanks for watching Norm and I met at a photo club and his passion has always been Photography, yes we all have choices along the way. Hope you are well have a great week Cheers 🍷👍🍺
Love how you are making these videos and sharing your best practices. It is the way of living, finding the best on the little things that life gives us. Good for you guys! Great pricing for sure. We also use photography and video as a source of income. You guys are awesome 😊
Thanks for dropping by glad you enjoyed our story , that’s great that you also have other sources of income . Sometimes hearing what others has done might inspire others to think that there are choices in life and what decisions you make can change things. Hope you are both well and enjoying your Air B and B take care cheers 🍷👍🍺😎
Hello my dear friends. So glad to see you are still doing so well. I have been out of action for a while and will probably only start catching up with all my friends in the next few weeks. Great info and advice as always.
Hi Violet lovely to hear from you don’t worry we had also been out of action for a while although I kept looking in on you. With us mainly doing travel which we can’t do we are testing out Finance and Lifestyle and Retirement topics. Hope you are staying safe and keeping well Cheers 🍷👍🌺Tina and Norm🙂
Never heard of FIRE until few years back on youtube, facebook etc. Knew I didn't like working in a corporate jungle (actually hated it), but chose the slow property investing path, got a bit of result but tied me more to the job as I needed the paychecks to keeping the properties, it was the superannuation (share) that freed me having to work early 50s, & the shares cost my lifestyle very little with zero stress.
Yes unfortunately our age group were stuck on the hamster wheel of work paying off mortgages and university fees for our kids. No regrets it all worked out in the end lol.
Hi Yes with the cost of utilities keep rising it’s great that ours is locked in , we actually have cell phones but no Sim Card just use for photos 📸 enjoy your day and thanks for dropping by Cheers 🍷👍🍺📸
Great videos. What about losing half your income when you lose your partner. Government surprises so many at their worst time in their life. Not many people know this happens. How to plan for that. Also how much travel insurance goes up at 75..big jump. thanks…love your channel
Thanks for watching Carol , we have no idea of the impact when you loose a partner and yes our travel insurance stops at 75 so we will probably be paying a lot more .Have a nice weekend Cheers 🍷🙂🌺
We have a cellphone without a SIM card we use for photography and we have MagicJack a voip at home and they also have an app for your phone, so with wifi we can call on the cellphone for no cost.
@@ThisIsOurRetirement How do you get GPS traveling in foreign country without a cellphone? I love my iPhone, iPad and high tech gadgets, guess I will have to save extra funds, so I can still afford that I’m retirement. Almost there though.
I loved your videos in Portugal, I hope you can return there to enjoy that wonderful land! I am planning on retiring there. I love canada , but I am tired of the weather... :-)
Thanks for watching we hear you the weather is tough in Winter , but Canada 🇨🇦 is beautiful the rest of the time .We like to visit Portugal 🇵🇹 in Winter , although this year doesn’t look possible with all the travel restrictions, the health care , pensions etc means we wouldn’t give up living in Canada 🇨🇦. Have a wonderful week Cheers 🍷👍🍺
Great video.... we woke up about 4 years ago and I want to retire at 60 and like you step off the wheel. We have a small camper van and want to travel occasionally in the year. I think like many in the Uk here we may put into pensions and just assume it will work out. Reality was it wasn’t working hard enough and I needed more to be put away. So with some adjustment we can make the 60 real. I know in your later video you mention putting money at source away and that is the golden egg I would gift young ppl. Also one question selling the house concept is interesting one - do you have any concerns in not having an inheritance legacy but understand your live for today
Thanks for your comment, the inheritance legacy is interesting, it could almost be the same concept as buying a house or renting a house. We were sure our family home if left to our children would be a burden to them to prepare for sale and they have their own homes and wouldn’t want to live in our house that we sold. We are sure there will be cash left as our inheritance gift. Don’t underestimate as you age the desire to buy stuff has diminished for us, we prefer the experience instead. Also government pensions and assistance add up remarkably, more than we thought. At 65 we will only pay $100 in total per year for all prescriptions, drugs and dispensing fees.
Some of our Portugal 🇵🇹 videos do touch on that and we have two of the places we have stayed in both one bedroom apartments. The average cost is around 1200-1500 Euros 💶 a month , our last one worked out to be $1800 Canadian but included Internet , heat and AC .TFW have a great week Cheers 🍷🇵🇹🍺🇨🇦
We have shown two apartments we have stayed in take a look at our first video 2 years ago called “This is what our retirement looks like “ and one year ago “Cold/Warm “ Winter in Albufeira why we travel from Canada 🇨🇦 shows the last place we stayed in then Covid and Travel restrictions came and we are at home in Canada till things change. Hope you find them helpful and enjoy 😉🌺
Thank you for sharing your story. We will be retiring in five years and your videos have given us another perspective. Love your Portugal videos. We are planning to retire either in Portugal or Spain. Hope you can share more about the monthly cost of your stay in Portugal. Stay safe!
Thanks for watching and we wish you a happy retirement in 5 years both Portugal or Spain are great places , thanks for the idea for a video on where we stay In Portugal. Have a great day 🍷👍🍺🌺
Hi Matt nice to see you I think we are all getting Cabin fever 🤒 we treated ourselves out to a day in Kincardine and one in Goderich and it felt like a major vacation LOL😂😂hope you are keeping well Cheers 🍷👍🍺
Congrats Norm and Tina, very well done, we're kind of in the same boat, good to have a car at the moment can get away intra-state for short breaks, cheers :)
If Norm wants more side income, he might start an offshoot channel on photography/videography ... seems like he and Tina are already fairly booked up though! :)
Being on FIRE sounds good ....it can be amazing how much you can save if you search the internet for cheaper prices for Gas /Elec/Water etc.....then decide what you...need ..not what you want ..
Hi Terry, The Internet has been great to research and find good deals, we also buy a lot less impulse items these days. Thanks for watching and have a nice day.
I found this video so interesting to watch, and a lot of what you said i could relate to myself.. i think the budget you have to live on monthly is quite a large one, a lot larger than the one i allow myself in the Philippines, but i would say to live in the Philippines it is so much more cheaper than where you live, but the comparisons are there for sure.. I am too young to retire myself, but i earn my money in the UK from renting out rooms, which keeps me and my little family in the Philippines, but one day i may sell up and then live a much better quality of life in the Philippines than i currently do, eg better location and home, and i guess i am in quite a good position really to do that as i am already mortgage free and own my property/business outright, but it's still a big risk to take.. You are so right in what you say, if one wants a better quality of life no matter where you are it will cost that bit more.. Anyway keep up the good work here, a really good video... Carl
Thanks Carl great comment hoping that you and your family are all well, yes there are differences between UK , Canada and Philippines but choices can be similar in all three places ie moving to a cheaper place to save money or get a nicer place for the same money . Selling our home worked for us and retiring to our appartment is awesome and we have not looked back. Stay safe and well Cheers 😎🍷🌺
Nice story from both of you😍😍 amazing experience and glad to know you both. Greeting from new friend here in austria, small family. We joined you and wish we could be connected 🙏🙏
@@ThisIsOurRetirement I hope you can do a video on what steps you took to be able to retire at 55. Freedom 55 is my goal as well and I have 4 more years to go.
So good to see you both doing well. Wishing you a really lovely day. Looking forward to getting to the hairdresser!! 💇♀️ Glad you had a pamper. Stay safe 🙏 See you soon i hope. Much appreciated 🍷🍺🔥
Hi Carol it was great going to the Hairdressers everyone is wearing masks , no coffee tea or magazines I took bottle of water 💧But you feel so good after .🌺 Hope you are keeping well have a great Sunday Cheers 👍🍺😎
It is funny, isn't it - some people for decades / centuries have been living within their means to have choices later in life. Charles Dickens had Mr Macawber advise David Copperfield to do so. His views probably formed by seeing his own father in a debtors prison. I was interested to hear that you rent your home. I decided to retire with a home I own, so had less to invest. I felt more secure. Could you have managed buying an apartment, eliminating rent, but with a reduced income from smaller investments?
Just found you and love your content! We are a bit younger than u guys (51 and 47) and are older parents to a daughter who is just 10. I worked in banking for 30 years and left 3 years ago as it was getting too stressful. Work part time now just 16 hours pw. Although we feel still quite young, we are planning - as much as you can - for our retirement. We recently sold our large house and downsized to a 3 bed bungalow. Best decision ever! For Biden ideas I would love to hear about your life story, how u met etc? You sound English? Did u emigrate to Canada? X
We married when we were very young and at that age we for some reason thought we would have life after children, while other friends were single into their twenties were married with a mortgage. We left our jobs because they stopped being “fun”, maybe because we were getting older or the economy was getting meaner lol. Yes we are from the U.K. and emigrated to Canada in 1992. That gave us a great motivation to start over and live debt free and pay our house off quickly. Thanks so much for watching and participating in our video with a great comment. We hope to produce more content like this.
Isn’t that the beauty of TH-cam learning new things every day , we had no idea what FIRE 🔥🔥was ,hope you and Izzy are keeping well and those ice creams 🍦🍨look great Cheers 🍷👍😎🌺
I was on 🔥 for two years! Then I just fizzled out. Now, at 68 I’m sputtering.😭 Norm, video idea for you that comes from this content. You mentioned that you are making an income from photography. How about a video on how you do that?
Good Morning Arnie, Good to know you had two years early retirement, thanks for the suggestion about our photography business, we are in need of ideas during this virus time which has been hard for all us travel vloggers. Have a great day and thanks for watching. 😎😎
If you want to get an less expensive cell phone, without the contracts and big bills, you can get a Tracfone with a $15.00 month plan for unlimited minutes, 1GB of data, which I have and I'm retired. They cost $35.99 to $39.99 for one of their smartphones at Target or Walmart stores. It's great, although I'm not a huge cell phone user myself, but its good to have in case of an emergency, especially since you have a car now. Ms. L. Churchill (USA)
So cool when I saw your FIRE video pop up on my feed today! I've been following you guys and have watched many of your videos, my wife and I are looking at Portugal as maybe a place to move to. We've been following the FI movement for many years now. Check out the podcast ChooseFI. They do a great job explaining and talking FI. Keep up the good work on your videos!
Awesome! Thank you! Portugal is a great place and the most economical country to live in Europe. The government is very welcome self sufficient retirees. Thanks for the podcast information.
Recently discovered your videos and am enjoying the back catalogue. Hope you don't mind me asking a question - when you said you were looking to budget at $2000 a month, was that each or as a couple? Also, US or Canadian dollars? Currently doing my own calculations (I'm in UK). Many thanks
@@ThisIsOurRetirement Yes he is behaving. More work to do on him but that is maintenance not repairs. LOL I keep telling her to retire but she seems to enjoy working.
Thanks for another enjoyable video. Would love to see a video of how you saved up and invested for retirement and also about how you make some money on the side with your photography. Hopefully your TH-cam channel will also become a reliable side hustle for you both. Do you put your photos that you sell up on a website, work for someone or how does this work?
Thank you for your nice comment, that’s a good suggestion you make for another video about finances. The photos and video clips, we have photo agencies that represent and licence them for us, they send the royalties to us monthly. Thanks for watching, have a great week.
@@shaneadams5965 Hi we hear you on that , we used to live in Ottawa which was very expensive for everything. We then took the decision to move to a small town in South West Ontario sold our house and now rent a great two bedroom appartment overlooking a lake , everything is way cheaper even my hairdressing a third of the cost LOL 😂😂. There are lots of places within an hour of Burlington where your cost would be way lower should you decide to turn the page and have a new chapter in your life .We wish you well and have a great week Cheers 🍷👍🍺🌺
@@ThisIsOurRetirement I heard Ottawa is a nice place to live. I have a friend who lives in Gatineau and i think its less expensive in QC. We are also looking at selling our house in a few years and renting, have to get the kids through university first but after that will look at renting somewhere cheaper but near Burlington.
I am semi retired at 62 with health issues and dealing with the CORONA difficulties and restrictions. I am not complaining just putting out things we deal with. Any suggestions from F.I.R.E. is appreciated.
The thing we were aware from being in our fifties was retirement health, we had older friends who had waited too long to retire and travel and health problems prevented this. That’s why we retired early. We are sorry to hear about your health problems. The coronavirus has been a huge problem, we wish you every good fortune. Thanks for watching, here’s to a world without Covid-19
Hi Norm & Tina! I so enjoy your videos. I started watching the ones you had in Portugal as my husband & I are wanting to retire there. Your videos are so informative and so fun to watch! We are trying to sell our house now but with the covid 19 virus it has put things on hold. So do you all split your time between traveling and your home base in Canada? I'm thinking until I know what it is like to stay in Portugal, I would do the same ...split our time. I hope you both stay safe! Keep the videos coming!!! :)
Hi Ruth, thank for such a wonderful comment and thank you for watching our videos. Yes we have a permanent home in Ontario Canada an apartment we rent and this is home for us. We travel a lot, we will go to Portugal for a month or two months in winter depending on other trips we have planned. As we age we are concerned about health and maintaining our eligibility for the Ontario Health Plan it is important to us so we do at least spend five months of the year in Ontario. It must be difficult selling a home at the moment but we do see houses selling consistently in our town if they are priced accurately for the market. We wish you every success in what you dream to do. Have a great weekend.
@@ThisIsOurRetirement Thanks for your great reply. My husband & I are wanting to do the same, renting an apartment after selling our house. We are ready to travel as you both do. I understand about the health insurance issues. We are concerned with the same issues, and we are really considering moving to Portugal, if all goes as planned. I do have 2 sons here, but they are grown and no grand kids yet. So I feel like until that happens, we need to do what is best for our situation. We want to make the most of our retirement, and unfortunately, the US is not the best answer. Keep making those videos!!! Have a great day!! Ruth
I think your real secret is enjoying the simple things in life: love of a partner, rejection of materialism, joys of travel...appreciation of wine and beer!! If only more people could be like you what a wonderful world it would be...there's a song in that somewhere.
More videos on finance and lifestyle please!!
What a great comment thank you 🙏 we will leave the song writing to you we are no good at that LOL 😂😂. While we are not travelling we have been thinking about doing more on Finance and Lifestyle we are treading cautiously to see if our viewers like it . Have a great week Cheers 🍷👍🍺
I can contribute with a few tips. Most travelagents are way over the limit on prices for living on the Algarve.
I was earlier before my private renting, using a Travel agent stationed in England and Ireland. Alpharooms.com
Their are two great benifits. You can either pay in british pounds or Euro.
You can book by the week, month or longer periods. Cheaper prices as the summerseason is passed.
When it comes to payments etc. living abroad there is always a hazzle with exchange rates etc.
Here is an Early Christmas tip that will revolutionize your expensis for ever.
Get the Visa Cashcard from REVOLUT. With this card you can exchange money to an from any currancy - with almost Bank rates. You have an app in your phone were you do all settings live. Currency to use, transactions to other Revolut card holders.
With the highest Revolut card Metal you have access to all lounges at airports. Delays etc. no problem!
Enjoy!
@@ThisIsOurRetirement Believe it or not, yesterday I went to the stationary and bought a little notebook just for your ideas (jotting down my already saving ideas/comparing, as I live in Europe). Here I am on my balcony with my coffee and my Yorkshire Terrier (British 😉) repeatedly listening to your videos. I am thankful and let the commercials run.
@@MA-cy7su There is nothing wrong with good old fashioned note books, in fact Our travel journal we keep is a small notebook 📒 too.
We appreciate your support and hope you have a great week Cheers 🍷🇬🇧🍺🇨🇦
I to retired early at 58. Also sold my house and move to a condo they cut my expenses so low. I to I didn't know I was on fire now that I heard you guys talk about it you just younger ones. And I did retired in 2020 in the middle of all this covid-19 mess. I do do some side Hustle but three days a week part-time 12 to 15 hours to have some extra cash and like I really need it. I think more people should do that it's more relaxing less stressful I also think they'll probably expand lifespan and live a healthier life.
Hi Joanna TFW and congrats on your retirement 🥂🥳isn’t it a wonderful feeling to be able to do what you want when you want , your part time job sounds great and also means you are meeting people too which is nice. Glad you have joined the FIRE 🔥 club , not sure which country you live in but soon there will be pension money too to add to your wealth. Hope you are well and have a great weekend Cheers 🍷👍🍺
I love watching your channel. I started watching last year, because of your trips to Portugal. I was born in Portugal and came to Massachusetts when I was 2 years old, with my family. I returned to Portugal when I was 23 and not again till last July, with one of my sons and daughter-in-law. I'm hoping to return again, maybe next year, if it's safe to travel. My son and daughter-in-law enjoyed seeing were I was born and loved the sites and culture. I didn't realize how attached I became to Portugal and that I missed so much in not traveling, to see my homeland, more often. My brother has been several times. Anyway, your trips have given me my Portugal fix. I also enjoyed your other excursions and your talks during the quarantine period. Very informative and entertaining. Thank you
We are so happy that you enjoyed our Portugal videos and that they gave you your Portugal fix lol We have enjoyed all our trips there and regret not being able to make plans for this coming winter as everything is so uncertain with the virus. Hopefully you will get to go soon, there is so much to enjoy in Portugal from the history, nature, food, wine and of course the people of Portugal. Thank you for telling us about your trip.
I'm really enjoying your videos, Tina & Norm, which are thought provoking and calming. No car and no mobile phone - good for you! I lived in China for 6 years without a car. I'm now in Thailand with another 6 years under my belt. My girlfriend, lived with me in Bangkok for a year and sold her car.
She travelled to/from work by BTS Skytrain. In early 2021 we moved to her apartment in a different part of Bangkok and so she bought a car - for convenience. 12 years without a car was my humble attempt to re-balance all the miles I drove, in the UK, as a Sales Manager. I prefer to walk.
Best wishes, from Bangkok.
Hi David , since this video we have now bought a car 🚙 just before Covid , so glad we did because public transportation, renting cars etc is all a big mess. Plus we can drive up to our trailer which is a couple of hours away , we wish you a wonderful weekend in Bangkok 🇹🇭 Cheers 🍷🌺🍺
I am loving your videos. I have been home sick binge watching them all day. I am 50 and my husband is 62. I have known that I wanted to retire at 55 but ended up getting divorced at 40 with four teenagers to raise, which made it a challenge and my now husband didn’t know much about retirement planning when we met. We have gotten ourselves on track and built up quite a net worth in nine years following FIRE principals. We’re a few years away from retirement for him and partial for me. Your videos make me feel encouraged and more secure about it. Thank you so much.
Thanks for watching our videos and we are glad they give you encouragement, it’s sounds like you have a great plan in place.
We wish you both a great retirement we hope you have a great week and hope you feel better soon 💐ATB 🍷🌺🍺
You make me smile. I am in my last two years of working and am looking forward to retiring with the love of my life. May I smile with him as you two smile together.
That’s wonderful we wish you all the best , we are loving 🥰 being retired a fabulous new chapter in your lives , enjoy your weekend Cheers 🍷🌺
WE also as the Portuguese thank you for making all of us intrerested in this BEAUTIFUL country with its just as beautiful and friendly people.
For me your videos gave me totally new perspectives on life as retired. In my youth before settling for parenthood I travelled to US and worked with custom combining for 2 years from mid USA all the way to Canada. So after all that I thought I had have with travelling. But then you two came on my path. I fell like a tree for your Portugal videos. I emediately booked a trip and visited Portugal for 2 weeks in May last year and made up my mind. Here is were I want to spend the rest of my years to come. Moved to Portugal in October 2019.
Now living in Alvor. I was lucky to find a brand new apartment to rent after renting at a hotel in a Pria da Rocha. Where prices tend to rise reaching enormuos heights during summer season.
Alvor is perfect. Calm during winter, spring and fall. THANK YOU!! Norm and Tina!
That is a nice story to share thank you Bo, Alvor is a very nice place, our friends have been going there for two years in the winter. We have been there twice and had a good walk each time. The winters must be a lot better for you than in Sweden. It's looking doubtful to us for a trip this winter to Portugal, the U.S. Canada land border is still closed and will be up to the end of August, but they keep extending it. We don't wish to sit in a plane on a seven hour flight wearing face masks 😷. We are both glad you have a nice new apartment in Alvor. We are working on a new Portugal video. Keep well and safe. 🇸🇪 🇵🇹 🇨🇦 🇵🇹
@@ThisIsOurRetirement Hope to see you in Alvor. Watched the last video from Alvor when you drank beer and wine behind InterMarche.
Thoose bars are also my favorites. We might meet one day.😎👍
It's so nice that your retirement life was influenced in a positive way by Tina and Norm! I hope you're still enjoying your apartment in Alvor. If not, where are you now? I've seen photographs of Portugal and it's absolutely stunning!
We are on fire too 🤣🤣 I retired last September just before my 58th birthday and Sue finished two months ago in May and she is a little younger than me 😉 So we have to make our saving last until the UK pensions pay us aged 67 here. It’s a lifestyle that we have worked for over the last 40 years and we have been together since 1978. I think it’s time for change 👍🏻😉🚐 Enjoyed your story, as it gives us confidence that we are not alone. Have fun and keep those Vlogs coming 🥰 Trev & Sue
We are lucky that Canada and the U.S. can draw the state pension early if you want to at 60, so we both did that. I’m due to get a UK pension to if I get to 67, Tina will be the last age group in Canada to get the other Canadian pension at 65, they raised it to 67. In total there are three state pensions in Canada. Great to hear you are burning away on Fire, congratulations. Both of you keep well and safe.
Thanks for doing this video. Very nice to get another Canadian's perspective.
We didn't hear about F.I.R.E until a few years ago. We have always paid into our pension and bought RRSPs, we just called it saving for retirement :-) F.I.R.E is a lot more catchy. We are 5 years away from our planned retirement date.
We aren't planning to sell our house. Instead we had a contractor build a legal apartment in our basement. Now the income from the apartment more than covers our taxes,utilities and insurance (no mortgage anymore). We built the apartment with the thought that we will probably live in it someday and rent out the main part of the house. This would provide more income and we could feel free to leave the apartment for longer periods, to travel, while someone else is living in the main part of the house. Of course we have also thought about selling everything and moving down east, Ontario is so expensive!
Thanks for dropping by we also have RRSPs, sounds like you have a great plan to look forward to in 5 years. For us when we looked at early retirement we considered our health as we wanted to travel rather than waiting as you never know what might happen. Yes Ontario is expensive and we hear lots of people sell up and go out East , for us the Winters ⛄️❄️there would be too hard .
There are a lot of smaller towns where the cost of living is a lot Lower as we have found . Hope you have a great weekend Cheers 🍷🍺😎
I love the Portugal videos and still watch them every so often. They are always thoughtfully done and show those visiting all the interesting places in the Algarve. Good to see you both well 🇵🇹🇵🇹🇵🇹
Hi Mark, Thanks for your kind comment, we miss being in Portugal and may not get back this winter as our borders are still closed. We are both glad you enjoy the Portugal 🇵🇹 videos, we watch them too they bring back our fond memories. Thanks for you Twitter support we do appreciate that.
Being on FIRE, great concept, well my wife and I have been on fire for about 6 months now. I enjoyed your video, Thanks!!
Congratulations gone from kindling to Fire! Have a great Sunday, it's going to be hot here today ☀️🥵🥵 Thanks for watching.
We talk about Financial Independence Retire Early F.I.R.E and our journey of retiring in our fifties and having side hustles to pay our monthly outgoings, we hope you enjoy the video.
Nice you are on FIRE ! Watching your video, I learned that my wife and I are also on FIRE - Lol. Thanks for sharing 😀👍
It’s great to know you are part of something and never knew lol Keep the fire 🔥 alight. Thanks for watching.
Nice talk, my husband will going to retire maybe next year already and we love to travel also like you guys, and live a simple life and be content what we have and be happy, Nice sharing and continue the fire.
TFW we wish you a great retirement and lots of great travelling have a great week Cheers 🍷👍🍺
I love, love, love your videos. It is so awesome that you've discovered you were on "FIRE" all along. You both are very inspiring and relatable. Keep up the great content. I'm sure you both won't become "indentured" to your TH-cam channel. Continue to share what's on your heart when you want to.
Thanks for watching and we are glad you enjoy our videos as much as we enjoy making them and sharing our story, either on retirement or travelling.We feel great now we are on FIRE🔥LOL 😂😂
We hope you are staying safe and keeping well have an awesome week Cheers 🍷👍🍺😎
Well said Norm and Tina , My wife and I planned along similar lines myself I retired at 48 and her soon she loves working and social interaction. So happy to see you both happy , healthy and making things work well for you both. Big like 81 hope more people follow your advice. 👍😎
Hi Chas TFW we are really enjoying retirement and hope your wife joins you soon too, hope you are staying safe and keeping well Cheers 🍷👍🍺
F.I.R.E. has been the cornerstone of personal finance for so many years, and it's refreshing to hear y'all talk about it. Interesting perspective, especially when you interrelate F.I.R.E. to retirement and investments. Great wisdom here. Thanks. - ✨ *Your Awesome Friends at The S'witty Kiwi Show* 🤎
Thank you for a nice comment, we hadn’t heard of the acronym before but are very familiar with the concept. We are going to follow up with another video related to this topic. Thanks for stopping by we appreciate it and stay awesome!
Love watching your video. I too am planning Retirement. Your conversation helps me with ideas of what I can do.
Wonderful! we are pleased you are finding them helpful, we wish you a great retirement and a very Happy New Year Cheers 🥳🥂🐅🍾
Outstanding quality of video and contents will ensure the popularity of your channel, Thanks you for sharing your knowledge and well edited production.
Thank you George for your very kind words they are very much appreciated.
You two are on FIRE and you didn't even realize it! Norm and Tina, you two are a great example of what people can do if they set their minds to something and go for it. You retired early and are enjoying life in a great apartment and taking fantastic trips. And you take us all along with you! Cheers to you both! 🍾🍷🍸🍹🍺🍾
Hi Sue thanks for dropping by we are glad that you like coming along with us on our travels .Hope you are both well and have a great weekend Cheers 🍷👍🍺
Congrats on your retirement and thanks for sharing! Having the fixed costs down to 25k yr is key! Sorry Tina, Norm is correct, a little wine and beer are Necessities!!!!
TFW John and have to agree with you during this Covid stay at home and not travelling wine 🍷 and Beer🍺are definitely Neccessities LOL 😂😂😂🙂
Your videos always put a smile on my face. The biggest thing holding my wife and I back from retiring "early" is the cost of health insurance in the U. S. Until we are both eligible for Medicare (age 65), retiring doesn't seem feasible.
Thanks for the upbeat videos! Keep up the good work.
Thanks Scott hmm we haven’t worked out an answer for this yet , it seems so wrong to have to wait till 65 Cheers 🍷🇺🇸🇨🇦🍺
What about the Affordable Care Act 🤔 could that help you have a great Sunday 🌺
Unfortunately, the affordable care act is anything but affordable. It is more like bankruptcy protection. I was on it for years. It cost me over $1000 per month (unsubsidized) and didn't cover virtually anything. The only individuals that it truly helps are those that qualify for expanded Medicade and live in a state that has accepted those benefits from the federal government. Mine hasn't.
Thanks for the suggestion though.
@@scott.h.zucker Have a great Sunday Cheers 🍷🇺🇸🍺🇨🇦
Hey Tina and Norm!! So great to see you both, and Tina your hair looks too adorable! We get it girl.. when it comes to not getting your hair done for a year.. it feels amazing when you finally do! Loved hearing your topic on F.I.R.E. and being able to retire early. Too cool that you were both able to retire before 60.. that's pretty much unheard of here in the USA, funny enough Butters parents both retired before 60 as well (they're Canadian). Here a lot of people are working into their late 70s before they can even retire. $2100/month is not bad for your life expenses. Ours is over double that, but then again.. living in Los Angeles, and our rent alone is $2500/month. Plus utilities and everything else that's included with a household.. cars, insurance, food and etc. Interesting to hear you both don't have cell phones, but you enjoy the magic jack. We have heard of it, but haven't used it before. We were wondering, what if you are flying to another part of the world and your kids want to get ahold of you and you don't have a cell phone? They have to wait til you log into the computer and email them? We can imagine if we got rid of our cell phones, our families would flip out that they couldn't get a hold of us LOLOLOL. That is amazing to hear that Norm became a professional photographer and now you guys can live off that income and not have to work regular 9-5 jobs. We hope we are like you guys someday in the way you get to travel and truly enjoy your life, and still have a nice view of the lake!! We hope Norm gets out and goes fishing! Great video and love you guys to the moon!!
Hi Bears and Butters , TFW wow 🤩your expenses are really high in Los Angeles you need to move to Canada 🇨🇦 LOL 😂 🤣. Sounds like Butters parents were on FIRE 🔥 too. When we are travelling and arrive at an airport the first thing we do is contact our grown up Kids as airports always have WiFi, so it’s never been a problem. All places we stay have Internet, we FaceTime and call back home to Canada 🇨🇦 free on Majic Jack.
Yes we have heard in The USA people still working in their 70s that’s very 😢 sad as by then a lot have health issues and don’t get to enjoy their retirement.
Hope you are both staying safe as we see the Coronavirus numbers really high with you 😱keep well and enjoy life Hugs Norm and Tina 🤗 Thanks for liking my hair I love the highlights 😍Cheers 👍🍷🍺
Congrats on being F.I.R.E. It's awesome to hear that you have a side hustle that pays all your expenses. Most people on F.I.R.E rely on their million dollar stock portfolio for income. They use the infamous 4% rule (withdrawing 4% of their portfolio to live on). With recent extreme market volatility, it would be gut wrenching to see it drop 30% in March, only to see it come roaring back. Having to sell securities for income in a down market(s) is detrimental.
We always felt our house would provide our income in retirement by selling it but the royalties from photography built up over the years and being a little more frugal makes ends meet. The stock market gives and takes, the opportunity for us was buying quality stocks cheaper as we had cash available. We love being able to find new ideas on the Internet and F.I.R.E has been interesting to read about. Thanks for watching we appreciate it.
Great video. We are retiring early at 45 and becoming expats in Nicaragua. Thanks for the videos, we look forward to watching your future Adventures.
Thank you, best of luck with your plans.
Love how you both communicate together. My husband and I are 'on fire' too finally both retired. I was first 😂! No big dark hole for me. I am still active and the days just melt away quicker than I'd like. Actually not working saved me money too. Less clothing, visits to the hairdresser etc. Fuel you name it. The important thing is to have hobbies and things that one can be passionate about in lieu of work. I started my channel to share my special time I have with my Australian grandson when he visited two years ago. Now I try to up my game, produce better videos and share the things I do, places we go and new adventures we experience. We too loved Portugal and hope to revisit once the world has healed from this sad and confusing time for many. Stay safe and keep smiling. ❤️🎥🌷👋
Thanks for a lovely comment and great way to communicate with your Grandson, we are glad you have Hobbies we are so busy don’t know we managed to work LOL 😂😂 With travel on hold actually not sure when that will come back with all the Coronavirus doesn’t seem to be improving very fast .
Take Care and enjoy your week Cheers 👍🍷🌺
@@ThisIsOurRetirement I know what you mean about not knowing how one balanced one's life with work before retirement. I'm optimistically positive we will travel again but maybe with more forethought, respect for the environment and needs for a healthier world in mind. 👍🌷🙋♀️
I always knew you were on 🔥 🤣🤣🤣! Thanks for sharing and I look forward to watching your future adventures in Portugal and beyond. Stay safe and well!
Thank you for a great comment, we hope we will be back in Portugal 🇵🇹 soon, this winter ☃️ is looking doubtful for us though. Stay safe and well too.😎😎
Lol. I just watched the video about not needing a car yesterday. I've had a side hustle for at least a decade. I would love to get into photography, too. I do freelance writing as my side gig and have been since about 2006. When I get my debt paid off, I'm going to write only, unless I do get into photography. I am enjoying your channel.
Thank you great plan have a wonderful day Cheers 🌺🍷🍺
You don't need to be perfect together but you just need to be happy together...Keep the fire lovely couple...friend here watching...
Great comment and thanks for watching have a great weekend Cheers 🍻👍
LOL...I'm on F.I.R.E. too! Thanks for informing me! LOL...We retired at 55! We have a Magic Jack for our Arizona home...they work great. It's nice living the Canadian dream isn't it? 👍
Indeed living the dream in Canada 🇨🇦 The whole fire thing was a surprise to us too. Hope your coping with the virus situation, it doesn’t look good for our trip to Alabama in October. Thanks for watching have a great week 😀😀
@@ThisIsOurRetirement I'm not sure we will get to Arizona...we are coping well. As well as can be that is. This virus is something to be wary of for sure. Being in Manitoba, we have only had 300 and some cases and no new cases in the past 12 days so we are pretty safe here. Alabama might not happen. I don't think I want to head down there until the US gets the virus under control. Then there is the health insurance issue as well. Take care, be safe and stay in touch.
Love your hair cuts, and lack of. FIRE,....I need to understand this...so thanks for this
TFW guys hope our story helps you too , hope you are keeping well it looks like a great weekend here weather wise a heat wave 🥵 hope you get it too.Cheers 🍷👍🍺
for sure you have to prepare for retirement seems you made all the right decisions so you could retire early for some of us we love our work and dont want to give it up everyone to their own thing
*full viewed👍Au👍left our like for you*
Good morning Billy that’s so true we are all different and that’s what makes life interesting, hope you are keeping well and stay safe cheers 🍷👍🍺
FI is not about giving up work. It's about building a life that gives you more control.
Thanks for posting. You guys are too cute. Your videos are great because your advice is credible, practical and doable.
Thanks so much we do try to be as honest as we can , and that we are just having a conversation with everyone about our story but we are loving being retired. Enjoy your weekend Cheers 🍷👍🍺
Well done Tina and Norm. Yes the Corona virus is helping people make changes in their lives. Love your Portugal travel videos. Have a great weekend Norm and Tina.
Hi Peter and JoJo thanks for dropping by, glad you like our Portugal 🇵🇹 series we are missing not being able to go there but that will change . Hope your Winter weather isn’t too cold we are having a heatwave here 🥵🥵 Stay safe and enjoy your weekend Cheers 🍷🍺👍
This Is Our Retirement we have been so lucky to have a mild winter. We will see the winter out in another lockdown. Take care. 🤗🇦🇺
@@CowboyJojosAdventures Sorry to hear that you are back in Lockdown just when You think things are getting better. In the USA 🇺🇸 things are really bad going completely in the wrong direction , it’s not over yet take care 🙂👍
This Is Our Retirement we get much of the US information here and it is out of control there. I just hope we can find a vaccine 💉 soon.
I just love both of you and your vlogs! Thank you!
Thanks so much Pamela 💕🌺
Big like my friend. You both are so cute. Watching your video makes me feel happier. Thanks for sharing. Happy Monday my friends😍😍👍👍
Happy Monday to you too 🙂we are glad you enjoyed our video hope you have a great day ATB 👍🍷🍺🙂
Great video, very interesting- thanks for sharing your story!
Your welcome Marsha Glad you enjoyed it! Cheers 🍷🌺🍺
A job well done.
I liked it 👍.
Thanks for sharing.
TAKE CARE OF YOUR HEALTH.
Greetings and happy week.
TFW glad you enjoyed it hope you are safe and well Cheers 🍷👍🍺🙂
Enjoyed hearing your financial and daily expenses and how yinz plan very informative sledgehammered that like button stay safe awesome and blessed
TFW glad you liked it have a wonderful weekend Cheers 🍷🍺👍
Its amazing how a few key decisions can lead to a better life, there is no right way just the way you chose. Ya know whats funny, I was a photographer from my 20's till my late 40's, how things have changed with that technology , I enjoyed the conversation , All The Best
Thanks for watching Norm and I met at a photo club and his passion has always been Photography, yes we all have choices along the way. Hope you are well have a great week Cheers 🍷👍🍺
Love how you are making these videos and sharing your best practices.
It is the way of living, finding the best on the little things that life gives us.
Good for you guys!
Great pricing for sure.
We also use photography and video as a source of income.
You guys are awesome 😊
Thanks for dropping by glad you enjoyed our story , that’s great that you also have other sources of income . Sometimes hearing what others has done might inspire others to think that there are choices in life and what decisions you make can change things. Hope you are both well and enjoying your Air B and B take care cheers 🍷👍🍺😎
Doing the FIRE seems like a good move . Thx for sharing this info .
TFW and welcome to our channel hope you are staying safe and enjoy your week a Cheers 🍷👍🍺
Hello my dear friends. So glad to see you are still doing so well. I have been out of action for a while and will probably only start catching up with all my friends in the next few weeks. Great info and advice as always.
Hi Violet lovely to hear from you don’t worry we had also been out of action for a while although I kept looking in on you. With us mainly doing travel which we can’t do we are testing out Finance and Lifestyle and Retirement topics.
Hope you are staying safe and keeping well Cheers 🍷👍🌺Tina and Norm🙂
Never heard of FIRE until few years back on youtube, facebook etc. Knew I didn't like working in a corporate jungle (actually hated it), but chose the slow property investing path, got a bit of result but tied me more to the job as I needed the paychecks to keeping the properties, it was the superannuation (share) that freed me having to work early 50s, & the shares cost my lifestyle very little with zero stress.
Yes unfortunately our age group were stuck on the hamster wheel of work paying off mortgages and university fees for our kids. No regrets it all worked out in the end lol.
Just subbed to your channel. Looking forward to hearing more about your journey!
Welcome aboard! Thank you
Nice having your utilities included and not having a cell phone is a huge savings!
Hi Yes with the cost of utilities keep rising it’s great that ours is locked in , we actually have cell phones but no Sim Card just use for photos 📸 enjoy your day and thanks for dropping by Cheers 🍷👍🍺📸
Excelente vídeo sigue así saludos desde Venezuela!!
Muchas gracias
Great video my friends! Enjoy your Sunday!!
TFW glad you enjoyed it have a great Sunday we are having a heatwave here 🥵Cheers 👍🍺🍷
@@ThisIsOurRetirement Rather hot here as well! Cheers!
You both are so great. Love watching you guys. Love how you adore each other, and that you share a slice of your life.
You are so kind, we appreciate you’re wonderful comment, thanks for watching.
Enjoined!!!
Like 3👍
Welcome back dear friend
Nice sharing
Stay safe stay home 🙏
Thank you! Good to see you again 🙏👍😀😀
Tea enjoyed watching 🥰🥰🥰
Thanks for watching have a great weekend 🍷🌺
Great videos. What about losing half your income when you lose your partner. Government surprises so many at their worst time in their life. Not many people know this happens. How to plan for that.
Also how much travel insurance goes up at 75..big jump. thanks…love your channel
Thanks for watching Carol , we have no idea of the impact when you loose a partner and yes our travel insurance stops at 75 so we will probably be paying a lot more .Have a nice weekend Cheers 🍷🙂🌺
Congrats you are on fire! I am happy for you. I enjoyed watching it. Thanks for sharing.Huge like fr: Auslike 💕👍
Thanks for dropping by we are now just like our heatwave 🔥🥵enjoy your day Cheers 🍺👍🍷
Thank you so much, we appreciate your support. 👍👍😀😀
How do you survive without cell phones?! When traveling?? I do so much of my TH-cam on my phone as well... can’t imagine being without a phone 😳
We have a cellphone without a SIM card we use for photography and we have MagicJack a voip at home and they also have an app for your phone, so with wifi we can call on the cellphone for no cost.
@@ThisIsOurRetirement I applaud your creativity and resourcefulness!👍
@@MagentaOtterTravels Thanks 👍
@@ThisIsOurRetirement How do you get GPS traveling in foreign country without a cellphone? I love my iPhone, iPad and high tech gadgets, guess I will have to save extra funds, so I can still afford that I’m retirement. Almost there though.
I loved your videos in Portugal, I hope you can return there to enjoy that wonderful land! I am planning on retiring there. I love canada , but I am tired of the weather... :-)
Thanks for watching we hear you the weather is tough in Winter , but Canada 🇨🇦 is beautiful the rest of the time .We like to visit Portugal 🇵🇹 in Winter , although this year doesn’t look possible with all the travel restrictions, the health care , pensions etc means we wouldn’t give up living in Canada 🇨🇦. Have a wonderful week Cheers 🍷👍🍺
Great video.... we woke up about 4 years ago and I want to retire at 60 and like you step off the wheel. We have a small camper van and want to travel occasionally in the year. I think like many in the Uk here we may put into pensions and just assume it will work out. Reality was it wasn’t working hard enough and I needed more to be put away. So with some adjustment we can make the 60 real. I know in your later video you mention putting money at source away and that is the golden egg I would gift young ppl. Also one question selling the house concept is interesting one - do you have any concerns in not having an inheritance legacy but understand your live for today
Thanks for your comment, the inheritance legacy is interesting, it could almost be the same concept as buying a house or renting a house. We were sure our family home if left to our children would be a burden to them to prepare for sale and they have their own homes and wouldn’t want to live in our house that we sold. We are sure there will be cash left as our inheritance gift. Don’t underestimate as you age the desire to buy stuff has diminished for us, we prefer the experience instead. Also government pensions and assistance add up remarkably, more than we thought. At 65 we will only pay $100 in total per year for all prescriptions, drugs and dispensing fees.
Would you have a video about renting and other costs for part time living in Portugal? ...Thank you for your lovely videos and great energy.
Some of our Portugal 🇵🇹 videos do touch on that and we have two of the places we have stayed in both one bedroom apartments. The average cost is around 1200-1500 Euros 💶 a month , our last one worked out to be $1800 Canadian but included Internet , heat and AC .TFW have a great week Cheers 🍷🇵🇹🍺🇨🇦
We have shown two apartments we have stayed in take a look at our first video 2 years ago called “This is what our retirement looks like “ and one year ago “Cold/Warm “ Winter in Albufeira why we travel from Canada 🇨🇦 shows the last place we stayed in then Covid and Travel restrictions came and we are at home in Canada till things change. Hope you find them helpful and enjoy 😉🌺
@@ThisIsOurRetirement Thank you!
Thank you for sharing your story. We will be retiring in five years and your videos have given us another perspective. Love your Portugal videos. We are planning to retire either in Portugal or Spain. Hope you can share more about the monthly cost of your stay in Portugal. Stay safe!
Thanks for watching and we wish you a happy retirement in 5 years both Portugal or Spain are great places , thanks for the idea for a video on where we stay In Portugal. Have a great day 🍷👍🍺🌺
Thanks for sharing my best friend I like you stay connected very good
Thanks so much enjoy your day 🙂🤠🍺
nice video and info for the F.I.R.E
Thanks for watching hope you are staying safe and keeping well Cheers 🍷👍🍺
Love your channel..
Thanks so much have a great weekend Cheers 🍷👍🍺
Congratulations You have a very good channel My friend 👍
Thank you so much 👍
We have a car "But we don't drive anywhere"hahaha I feel that
Hi Matt nice to see you I think we are all getting Cabin fever 🤒 we treated ourselves out to a day in Kincardine and one in Goderich and it felt like a major vacation LOL😂😂hope you are keeping well Cheers 🍷👍🍺
Congrats Norm and Tina, very well done, we're kind of in the same boat, good to have a car at the moment can get away intra-state for short breaks, cheers :)
Hi Steve, It is good to have a car as like you travel is limited to our Province. Hope you enjoy your breaks. Thanks for visiting with us.
If Norm wants more side income, he might start an offshoot channel on photography/videography ... seems like he and Tina are already fairly booked up though! :)
It takes so much time to run this channel that we don’t have any more time left to do another one Cheers 🍷🌺🍺
Being on FIRE sounds good ....it can be amazing how much you can save if you search the internet for cheaper prices for Gas /Elec/Water etc.....then decide what you...need ..not what you want ..
Hi Terry, The Internet has been great to research and find good deals, we also buy a lot less impulse items these days. Thanks for watching and have a nice day.
Love watching your channel it gives us hope. #relationshipgoals #lifegoals
Thanks for a lovely comment, we all need hope at the moment and glad you enjoy our videos have a great weekend Cheers 🍷🍺🌺
Very interesting video, thank you my friend👍❤🌻 🍀❤
Thanks so much for watching stay safe keep well have a great week Cheers 🍷🌺
I found this video so interesting to watch, and a lot of what you said i could relate to myself.. i think the budget you have to live on monthly is quite a large one, a lot larger than the one i allow myself in the Philippines, but i would say to live in the Philippines it is so much more cheaper than where you live, but the comparisons are there for sure.. I am too young to retire myself, but i earn my money in the UK from renting out rooms, which keeps me and my little family in the Philippines, but one day i may sell up and then live a much better quality of life in the Philippines than i currently do, eg better location and home, and i guess i am in quite a good position really to do that as i am already mortgage free and own my property/business outright, but it's still a big risk to take.. You are so right in what you say, if one wants a better quality of life no matter where you are it will cost that bit more.. Anyway keep up the good work here, a really good video... Carl
Thanks Carl great comment hoping that you and your family are all well, yes there are differences between UK , Canada and Philippines but choices can be similar in all three places ie moving to a cheaper place to save money or get a nicer place for the same money .
Selling our home worked for us and retiring to our appartment is awesome and we have not looked back. Stay safe and well Cheers 😎🍷🌺
Nice story from both of you😍😍 amazing experience and glad to know you both. Greeting from new friend here in austria, small family. We joined you and wish we could be connected 🙏🙏
TFW and welcome to our channel let’s stay connected have a great day Cheers 🍷🍺👍
This Is Our Retirement cheers 💝
I love the easy style of your channel
How much do you allow in your budget for travel every year
Thank you good job
We don’t have a budget since Covid thanks for watching 🌺
I just found your channel and I'm a new subscriber. I really enjoy your videos.
Thanks for watching and welcome to our channel hope you are staying safe and keeping well Cheers 🍷👍🍺
@@ThisIsOurRetirement I hope you can do a video on what steps you took to be able to retire at 55. Freedom 55 is my goal as well and I have 4 more years to go.
Hello, Are you costing in Canadian dollars? So many talk in USD! That equates to £1200 in English money...well done!
Yes we are talking Canadian dollars 💵 have a great Sunday Cheers 🍺🍷🌺
LOVE you guys.
Thank you, that makes us happy!
So good to see you both doing well. Wishing you a really lovely day. Looking forward to getting to the hairdresser!! 💇♀️ Glad you had a pamper. Stay safe 🙏 See you soon i hope. Much appreciated 🍷🍺🔥
Hi Carol it was great going to the Hairdressers everyone is wearing masks , no coffee tea or magazines I took bottle of water 💧But you feel so good after .🌺
Hope you are keeping well have a great Sunday Cheers 👍🍺😎
Great video and information well done yous take care and stay safe 👍
Thanks so much and be careful as the UK starts to reopen. 😀😀
This Is Our Retirement opening slowly here Northern Ireland compared to the rest of the uk
@@RODPIKERDRONESUK Best to go slowly, we are far from reopening in Ontario stay safe.
It is funny, isn't it - some people for decades / centuries have been living within their means to have choices later in life. Charles Dickens had Mr Macawber advise David Copperfield to do so. His views probably formed by seeing his own father in a debtors prison. I was interested to hear that you rent your home. I decided to retire with a home I own, so had less to invest. I felt more secure. Could you have managed buying an apartment, eliminating rent, but with a reduced income from smaller investments?
Possibly but we wanted to remove the unpredictable expenses of home ownership as we travel ( usually 🦠💉) a lot . Cheers 🍺🌺
Like 13 😱😫🤓😁💕👍, cheers my dears friends, happy life 💪
Thank you so much 👍
good job you two!
Thank you have a great day 😀😀
Just found you and love your content! We are a bit younger than u guys (51 and 47) and are older parents to a daughter who is just 10. I worked in banking for 30 years and left 3 years ago as it was getting too stressful. Work part time now just 16 hours pw. Although we feel still quite young, we are planning - as much as you can - for our retirement. We recently sold our large house and downsized to a 3 bed bungalow. Best decision ever! For Biden ideas I would love to hear about your life story, how u met etc? You sound English? Did u emigrate to Canada? X
We married when we were very young and at that age we for some reason thought we would have life after children, while other friends were single into their twenties were married with a mortgage. We left our jobs because they stopped being “fun”, maybe because we were getting older or the economy was getting meaner lol. Yes we are from the U.K. and emigrated to Canada in 1992. That gave us a great motivation to start over and live debt free and pay our house off quickly. Thanks so much for watching and participating in our video with a great comment. We hope to produce more content like this.
I did not know what FIRE was either!
Isn’t that the beauty of TH-cam learning new things every day , we had no idea what FIRE 🔥🔥was ,hope you and Izzy are keeping well and those ice creams 🍦🍨look great Cheers 🍷👍😎🌺
I was on 🔥 for two years! Then I just fizzled out. Now, at 68 I’m sputtering.😭 Norm, video idea for you that comes from this content. You mentioned that you are making an income from photography. How about a video on how you do that?
Good Morning Arnie, Good to know you had two years early retirement, thanks for the suggestion about our photography business, we are in need of ideas during this virus time which has been hard for all us travel vloggers. Have a great day and thanks for watching. 😎😎
What a lovely couple 🤗
You are so kind 💕
Can you do a video on how you make money with stock photography? How does that work? Thank you.
Great suggestion!
F.I.R.E is a great moviment! We can have a comfort life with savings for sure! I am on 🔥.
Hi Gabriella nice to see you looks like we are on FIRE 🔥 together isn’t it a great feeling . Hope you have a great weekend Cheers 👍🍷🍺🌺
@@ThisIsOurRetirement , yes, we are!!
Do you have an email? I would like to chat with you.
We hiked yesterday, the weather was fabulous in the Rockys.
@@gabriellarosa5015 You can click on our email address on our about page and we will reply to you 🌺🍷Cheers Tina
@@ThisIsOurRetirement , awesome!
@@ThisIsOurRetirement , I didn't find your email address.
If you want to get an less expensive cell phone, without the contracts and big bills, you can get a Tracfone with a $15.00 month plan for unlimited minutes, 1GB of data, which I have and I'm retired. They cost $35.99 to $39.99 for one of their smartphones at Target or Walmart stores. It's great, although I'm not a huge cell phone user myself, but its good to have in case of an emergency, especially since you have a car now.
Ms. L. Churchill (USA)
Thanks for the very helpful information, hoping you have a great weekend Cheers 🍷🍺🙂
great video
Glad you enjoyed it
So cool when I saw your FIRE video pop up on my feed today! I've been following you guys and have watched many of your videos, my wife and I are looking at Portugal as maybe a place to move to. We've been following the FI movement for many years now. Check out the podcast ChooseFI. They do a great job explaining and talking FI. Keep up the good work on your videos!
Awesome! Thank you! Portugal is a great place and the most economical country to live in Europe. The government is very welcome self sufficient retirees. Thanks for the podcast information.
Do you still use Magic Jack? I have considered trying it.
No, we bought cellphones and have cheap plans. We no longer have relatives in England so don’t need MagicJacks low cost long distance service.
Stay safe nice video
TFW have a wonderful weekend Cheers 👍🍺🍷
Recently discovered your videos and am enjoying the back catalogue. Hope you don't mind me asking a question - when you said you were looking to budget at $2000 a month, was that each or as a couple? Also, US or Canadian dollars? Currently doing my own calculations (I'm in UK). Many thanks
It is $2300 Canadian dollars for us as a couple thanks for watching and welcome to our channel Cheers 🍷🇬🇧🍺🇨🇦
Catching up we have been on a donder. Well I am on FIRE I just wish Lindsay was.
You need to light a fire under Lindsay lol Hope the donder was good and that Desmond is behaving 😀😀
@@ThisIsOurRetirement Yes he is behaving. More work to do on him but that is maintenance not repairs. LOL I keep telling her to retire but she seems to enjoy working.
@@DesmondsDonders I (Tina) thought that too when I worked but having retired have never looked back it’s awesome 😎
Thanks for another enjoyable video. Would love to see a video of how you saved up and invested for retirement and also about how you make some money on the side with your photography. Hopefully your TH-cam channel will also become a reliable side hustle for you both. Do you put your photos that you sell up on a website, work for someone or how does this work?
Thank you for your nice comment, that’s a good suggestion you make for another video about finances. The photos and video clips, we have photo agencies that represent and licence them for us, they send the royalties to us monthly. Thanks for watching, have a great week.
@@ThisIsOurRetirement Thanks, you too :-)
Nice sharing. Stay connected.
Stay connected
The Portuguese are generally lovely.
Yes they are and we are missing not being able to visit Portugal 🇵🇹, hope you have a wonderful weekend Cheers 🍷🍺😎
That's why I married one :)
Happy together for 22 years now.
Thanks for the great video. Where are you guys living in Canada?
Southwest Ontario
@@ThisIsOurRetirement Thanks we are in Burlington and find it expensive
@@shaneadams5965 Hi we hear you on that , we used to live in Ottawa which was very expensive for everything. We then took the decision to move to a small town in South West Ontario sold our house and now rent a great two bedroom appartment overlooking a lake , everything is way cheaper even my hairdressing a third of the cost LOL 😂😂.
There are lots of places within an hour of Burlington where your cost would be way lower should you decide to turn the page and have a new chapter in your life .We wish you well and have a great week Cheers 🍷👍🍺🌺
@@ThisIsOurRetirement I heard Ottawa is a nice place to live. I have a friend who lives in Gatineau and i think its less expensive in QC. We are also looking at selling our house in a few years and renting, have to get the kids through university first but after that will look at renting somewhere cheaper but near Burlington.
@@shaneadams5965 Sounds like a great plan 🙂
One day I hope to be on fire too! Lol! 👍👍👍
Hi Anthony thanks for dropping by hope you are staying safe and keeping well Cheers 👍🍷🍺
I am semi retired at 62 with health issues and dealing with the CORONA difficulties and restrictions. I am not complaining just putting out things we deal with. Any suggestions from F.I.R.E. is appreciated.
The thing we were aware from being in our fifties was retirement health, we had older friends who had waited too long to retire and travel and health problems prevented this. That’s why we retired early. We are sorry to hear about your health problems. The coronavirus has been a huge problem, we wish you every good fortune. Thanks for watching, here’s to a world without Covid-19
Hi Norm & Tina! I so enjoy your videos. I started watching the ones you had in Portugal as my husband & I are wanting to retire there. Your videos are so informative and so fun to watch! We are trying to sell our house now but with the covid 19 virus it has put things on hold. So do you all split your time between traveling and your home base in Canada?
I'm thinking until I know what it is like to stay in Portugal, I would do the same ...split our time.
I hope you both stay safe! Keep the videos coming!!! :)
Hi Ruth, thank for such a wonderful comment and thank you for watching our videos. Yes we have a permanent home in Ontario Canada an apartment we rent and this is home for us. We travel a lot, we will go to Portugal for a month or two months in winter depending on other trips we have planned. As we age we are concerned about health and maintaining our eligibility for the Ontario Health Plan it is important to us so we do at least spend five months of the year in Ontario. It must be difficult selling a home at the moment but we do see houses selling consistently in our town if they are priced accurately for the market. We wish you every success in what you dream to do. Have a great weekend.
@@ThisIsOurRetirement Thanks for your great reply. My husband & I are wanting to do the same, renting an apartment after selling our house. We are ready to travel as you both do. I understand about the health insurance issues. We are concerned with the same issues, and we are really considering moving to Portugal, if all goes as planned. I do have 2 sons here, but they are grown and no grand kids yet. So I feel like until that happens, we need to do what is best for our situation. We want to make the most of our retirement, and unfortunately, the US is not the best answer.
Keep making those videos!!! Have a great day!! Ruth