Thanks for all of the great feedback on this video. I had planned on doing a monthly breakdown of our budget in Hawaii, but held off on making it because certain sponsorship opportunities fell through. (Eh, no worries. All good.) Despite that, I do plan on making that video at some point, which I think will be really helpful for those wondering what kind of budgeting it could take to make it in Hawaii. 🤙
We’ve lived a very similar life in CA. Budgeting and paying with cash have been key to our success. We have old cars, old phones, old clothes, and don’t go on vacations. But we have each other, put a kid through college, and own a home. We even have a decent retirement fund. People aren’t wrong for living differently than we do. We all just have different goals.
I was a stay at home mom with my four kids for many years. I was blessed to have a husband that was able and willing to support us. When I finally went back to work I was not getting the help at home that I thought I would receive. I was doing the same work at home on top of the work I was doing outside the home. I would encourage you to make the effort to help out at home with the kids and housework as much as possible. Taking care of kids and the household is the hardest job I ever had. If my husband had to pay someone to do all the things I did while staying home, he would not be able to afford it. Just a different perspective from an older stay at home mom. Great video! Keep up the good work. I enjoy all your videos.
@@veronicacord ahhhh I came from old school (old lady now hahahah) but I remember that as well and at work, I would eat my meal at break time and sleep in my car on my lunch break. I even fed my babies at night sitting on futon and I slept there with the baby because I was afraid of dropping the baby if I fell asleep. Ended up all three of my kids would sleep with me there and eventually our living room became the camping grounds (including my husband) 🤣 It was rough and idk if it also took a toll on my health later on but today it’s the opposite where my husband does so much more now that we’re retired. My kids loved the way we slept together back then but they didn’t know why I did that. You’re right …to have kids and want a second income requires dual at home because it’s tough.
Mahalo for sharing your experience. I've thought about that a lot recently. It's a lot to ask someone to jump back into the workforce and still keep up with household chores. So we're still transitioning into this new season and we'll be making adjustments, including what I can do to help her.
I agree with you. I'm divorced with two kids and no child support. Working mom and doing everything at home even to the fixing of house. The stress it gives is no joke.
Mahalo for making this video. We are moving back next year but this time with 2 more keiki and no house. We had to sell during the pandemic because I lost my job & our tenants moved out. I’m praying that everything works in our favor, as long as we work hard and do our part with all of the things you mentioned. It’s not going to be easy, but your message was encouraging!
I'm glad the video was encouraging. It's a different housing market from pre-2020, but there are still housing opportunities out there. Hope the move back is smooth for you and your family. 🤙
Living a minimalist lifestyle and being a conscientious consumer has transformed my life. I never considered moving to Hawaii,but this has my wheels turning now. Great post.
Moving will definitely help minimize the stuff you have, but eventually you'll start accumulating things as you settle in, at least from what I've experienced. But it's nice to reduce the things we have. For every new thing we get, I try to throw out two things.
I would have been much better off financially, had I decided to stay on the mainland after college. But I made a conscious decision to return to Hilo and scrimp-save-budget in order to live in what I feel is paradise on earth. I love the people here. I love waving at policemen and having them wave back. I love the smile on people's faces at the Target Customer Service (yes, they really seem to be enjoying their jobs as opposed to on the mainland, where they seem to be just going through the motions). I love the fact that I almost always run into someone I know at the local Long's or KTA stores. I love the different moods of Mauna Kea in the morning, in the afternoon and in the evening. Ua mau ke ea o ka 'āina i ka pono, nowhere else do these words carry such import. I'm 70 now, retired for seven years. I haven't done a whole lot since retiring, mainly just catching up on the honey-do-list. But you know what, I don't think I've missed a thing. Living in Hawaii has been like one long dreamlike vacation for me. If I had to do it over again, I wouldn't change a thing.
From 10:05 it really hit home for me (also from being from Hawaii). Your thoughts and experiences were what I also went through including the culmination of the feeling of the appreciation that your spouse became another contributor. Fortunately we were blessed to get past rougher times and thrive now.
I have to say…I am so proud of you as a person and as a couple (you and your wife )…I learned in my life that it’s not just how much you earn but how you budget and I was so happy to hear someone young as yourself say that. I used to go over budgets with people needing financial help and it was hard to explain to someone to cut their cable tv so they could meet rent etc…I mean if your electricity gets cut off …no TV anyway but you’d be surprised how many will not take that as sound reasoning and it’s sad bc I knew it spelled doom 😢. I hope you plan on teaching the kids about this early on 😊 I feel so happy I saw your vlog today! Please tell your wife omedetoo on her new job! 🎉
Thank you for the encouraging comment. I wish that budgeting and financial literacy was incorporated more into the public school education. It's more than just math (spend less than you earn). It's about figuring out how to prioritize things and learning to cut things when one can't afford it. Hopefully the DOE incorporates more of that, especially if these kids plan on staying in Hawaii in the future.
@@HelloFromHawaii in Hawaii we are def unique in our needs and that includes education because our way of life is diff from other places and especially our cost of living and oh there’s so many factors that weigh in. Culturally we have diff thoughts of importance in what is paid and what can be ignored …it was a learning experience for me to hear from diff cultures.
I agree that budgeting is key. I have lived in Hawaii over 30 years and when my wife and I retired we were able to stay here. Without strong budgeting which included a 10% rule meaning 10% of our net income went for retirement (that's above what went into our 401k plans) we would have had to leave this beautiful state.
Yes, budgeting is key. Putting aside money is important, as I'm learning as I get older. I'm sure there are a lot of people who are house-rich, but not a lot in the savings account and then it can be challenging to live here.
That was a very honest, sincere and powerful discussion! We need to be mindful and diligent when our finances, especially today! Great video, thank you and Good bless you and your beautiful family! ❤😊
Budgeting is key. Saving up and paying cash for purchases. Don't forget to save for your kids college while they are young. We started when baby then stopped for awhile, then started again, but just starting allowed those funds to keep compounding interest. We had $36k saved for each of our children by the time they needed it. Also, tell kids to go to their local, public Uni. Save for retirement the same way. The sooner you start, the longer your savings will have to grow through compounding interest and earnings. Good luck. I wish we could have stayed in HI. But, we didn't know these things until after leaving and now we're looking at retiring at 55 and can do so because we don't live in HI. We do visit every other year to see family.
Modeling an enriching work ethic, resilience, and collaboration through realistically challenging times. Our parents' behavior and attitudes are intergenerational gifts that can firmly ground a legacy of secure attachment. Good on you both!
Good for you bud. My wife and I pulled this off in SF Bay Area and now ready to buy home in Hawaii. Seems like lot of haters out there hating on mainlanders buying homes in Hawaii and making things difficult for locals. Well guess what same thing happening all over the world! It’s called competition. Those that hustle the hardest get ahead. Those that whine will whine loud.
I was sole earner with a large family for the first 17 years. Then we went into business together. Retired YOUNG and just went to Hawaii! Thanks for the videos.
Wise words indeed 🙏, wonderful plan towards obtaining " Peace of Mind " 😊, in the end , it's all about family ❤, wishing your wife all the best in the new job 🙏, Peace
We sold our home and moved to Washington two years ago because of the lack of quality of our life in Hawaii. We made decent money, but it still wasn't enough. We sold our 40-year-old, ordinary 3-bedroom home in Aiea and were able to buy a brand-new home in South Washington that is much bigger and paid off all of our bills. We were on a road trip yesterday and it occurred to me that a lot of people stay in Hawaii when they could have a better life somewhere else is because they don't know what it's like living somewhere else. They just don't know what they're missing. It's natural to have a fear of change, but we've never had any regrets, and life is much more fulfilling now. Someone asked me why we left Hawaii, and I compared it to being on a merry-go-round where the view never changes, and every day is the same or being stuck in a black hole where nothing can escape its gravity. Nothing changes or gets better in Hawaii. State government is mismanaged and corrupt and it's impossible to buy a home there for first time buyers. Consequently, people become lifetime renters, and the landlords are the ones living their dream. If you are lucky enough to own, it's because of the income from three generations forced to live under the same roof in cramped spaces. The state in in decline and we saw the writing on the wall. And I also told this person that Hawaii is an illusion created by Hollywood and shows like Hawaii Five-0 and magnum PI, and the reality of living there and being part of that daily grind (literally the worst traffic in the nation) is very disheartening. There are things that I miss, but our overall happiness is more important. I would urge local people to do some soul searching and ask yourselves if you ever considered living in another state and if not, why not?
Mahalo for the comment. You bring up great points. I think many have never lived on the mainland so they don't get to experience what life could be like elsewhere. Some just never travel or move to places temporarily, like for college. But many people stay because of family. It's the reason I moved back after being on the mainland for almost ten years. And for me, I believe the sacrifice is worth it. Sure, I'd love to be able to sell and have a nice home in a Midwest state, but I don't want to miss those moments with my parents and brother and other relatives. But happy things worked out for you and your family 🤙
I’m in limbo deciding if we want to leave for a better quality of life and to be near my family (my hubby’s family is here in HI). It’s just so expensive and it’s getting more stressful. We are one incoming as I’m a stay-at-home/homeschooling family, but I’m needing to get a night job now.
Two incomes are always better than one, but it does mean that both need to do stuff around the house for the family, too. I mean you budget time as well as money, right? Thanks for another thoughtful podcast.
Great insight about budgeting time. It's something I've had to really think about for my wife. I know she needs her quiet time and so we're working on a way for her to recharge. 🤙
I live on the west side, braddah. My phone is 7 years old. I have a luxury, a motorcycle, that I bought used that was also 7 years old at the time. My lady is 7 years--no no, bad joke. And I try to do work on those vehicles myself, along with house repairs, as long as I'm able. Just gotta do what you can.
You can tell the dude lives a budget life by looking at his watch. The color, the style, probably got it on sale because it's an unpopular color. Hopefully I am not wrong otherwise I would get call out, "how can you tell of someone by 10 seconds into the video" Cudos to you man, simple life is the best life!
Lol. I bought this watch retail. The reason I got it was because I wanted to wear it for Breast Cancer Awareness Month. Also, the traditional Casioak was a little too big and this size fits just right. 🤙
I think that it is almost impossible to try to save for a down payment for a home in Hawaii. How can you save 20 percent of $600,000 way- 900,000? It seems like you and your wife have a great plan to have your financial goal. Hopefully other young couples read this and takes away some idea of how to manage their funds. I was not in your situation and my husband and I both had to work. We owned our first home in our early twenties. Back in the 1970’s things were cheaper but incomes were not as they are now. We had no children for 7 years into our marriage because we knew how we wanted to provide for them. FYI I am 72 years old so things were different and yet similar. You and your wife are very fortunate that you both agree on how your money is spent. With your plan I know you will attain your goals in life💖💖
It's really tough to save while paying rent. It would require a high household income and lots of saving leading up to purchase. On top of that, you have to get lucky on the mortgage rates and the available housing stock.
Everything sounds pretty good. Planning is not something all young couples can agree upon. It's fortunate that both wife and husband managing the money is something easily achieved, especially after children. The children and unexpected emergencies are two factors that sometimes, pops up and throw young couples awry in what the communications, plans and desires were before and after it occurs. Young couples with children, family, throw wrenches about retirement plans. Retirement seems long way off, but it'll come soon enough along with the economic upheavals that can't be planned like natural disasters, economic changes. Keep planning, taking it with thought and communications with the wife, family and good luck.
All great advice. Yeah, there are more unexpected expenses with kids. Cavities, medical bills, and miscellaneous expenses add up. But we've been pretty good at communication so it helps when these challenges arise. 🤙
Oh interesting✨✨I know that living in Hawaii is really expensive my friend who lives there with his wife they both work at the Polynesian cultural center and they explained to me that it was tough at the beginning but now they are stable✨✨even my friend wanted me to go to Hawaii to live and work at the Polynesian cultural center to share my knowledge but I refused it's too expensive and that's not the goal I foxed to myself😁😁😁that was interesting to hear your thoughts and opinion at least now we have a precise point of view about it✨✨ iaorana from French Polynesia 🇵🇫👏❤️
That's great to hear that your friend and his wife were able to get financially stable. I know it can be tough at first, but it gets better with time and budgeting.
Chris, Thanks for these points. I live a frugal lifestyle here in Hawaii. I make all my meals for work and make my own matcha green tea. I also have a passive income on the side besides by main incomes.
It’s sad that we often need two incomes to stay afloat. It’s so good for children to have mom around and there is so much to do at home. Thanks for your advice.
Mahalo for sharing. I'm glad my wife was able to spend time with our boys for a little while. The extra money might have been nice, but the extra time with the boys was priceless.
What a fantastic video! If you’re open to it, I’d love to see a budget breakdown on how you managed to live on one income. As a young guy myself, it would greatly help me see how realistic a budget can be with kids. It’s such an inspiring journey!
Glad you enjoyed the video. I do plan on making a budget breakdown in the future. I have been planning it for a while, but our budget continues to change as our family costs change. It's coming. Not sure when, but at some point 🤙
My dream is to live in Kona. But It would be just me. I’m a medical assistant here in California and don’t think I would make enough money to afford a living in Hawaii. Still staying hopeful that one day my dream will come true 🙏🏼 🏝️
All good points. We aren’t as diligent as you in terms tracking budget but I always did a deep dive into spending whenever we were on the verge of a major purchase like a house or car just for my own validation that we could do it without stretching the budget. As far as home ownership, I’m not sure if anything really prepares you for the cost of that even if you’ve rented because maintenance costs are real on top of the actual mortgage. When our offer for our house was finally accepted then it all hit me like OMG what did we just get ourselves into and it took a little while to get into the groove of all the costs associated with that. I’m similar to you in that my income typically pays all the bills and my wife’s income contributes more to disposable income but it still does take the pressure off to know that I’m not the only one pulling the weight.
Mahalo for sharing. Homeownership can sometimes be overwhelming. I wish they'd teach you about what it really means to own a home in high school or college. I think a lot of people want to own, but not a lot of people know about all of the responsibilities of owning a home. 🤙
Youre very inspiring man. We just had our first kid in California. Very expensive here too. Well be budgeting more closely even though were dual income.
Budgeting is important. It doesn't have to be restricting either. To me, it's just keeping track of where the money goes and making adjustments along the way.
It's definitely possible for sure if you budget the right way. I actually had someone ask if I was rich because I travel so much, but that is what I love to do. I dont subscribe to cable as I do not watch TV, I like you drive an older car and have no desire to buy a new one unless it is completely dead. Cars are the worst things to invest in as they depreciate in value. Who are you impessing? As long as it gets you from A to B. You dont need a huge house as long as you have shelter to sleep and eat in. You dont need to buy unnecessary "things" like stupid purses and clothes. As long as the t shirt has no holes, you're good. Recycle cans and do side jobs on your day off for play money. Budget your groceries and cook dinner at home. Eat the leftovers for home lunch at work or the next day for dinner. Treat yourself to eat out once a week if you'd like. But if you buy a plate lunch for lunch at work with a Starbucks coffee every day at work, that adds up to around $600 a month. Not to mention some people I know eat lunch and dinner every day at a restaurant. All that money could go to your savings or a vacation...
Definitely true. It's great that you prioritize what's important to you so you can do those things. I think so many people want to do everything and so everything is prioritized as "first place", but it just doesn't work that way unless you make a lot of money. And as long as the car works, I'm okay. When it doesn't, we go out and get another one, hopefully used. 🤙
@@HelloFromHawaii Its interesting that both of you make the assumption that people buy cars to project a personal image but that's not always the case. People buy cars because they need a certain function out of it. Some people buy more expensive cars because if they spend hours in traffic everyday they value the time in the car and want it to be something the can be comfortable in an enjoy. Its not always about projecting an image which has negative connotations to it. Believe or not some people do need it to project an image not for their own self worth but maybe its because their job requires it either for a means of advertising or just projecting an image to suit the needs of the company. There are lots of factors that could come into choosing a car.
Like a lot what you say about "the car". In the end, all it really is and serves duty as, is a transport machine on 4 wheels. I have an experiment for anyone who'd try it: try not spending a penny on anything (but the minimum basic required bills) and just stay home after work (don't go out at all; just hang out at home only, don't drive anywhere, don't use any gasoline, no eating anything outside cooking at home, don't order anything, don't buy something online or anything at all- just be at home, staying at home) for 12 straight days. 12 days. You'd be surprised at what your bank account now reads as opposed to how it looks compared to last month!!
When we didn't eat out for a month, I was surprised by how much we saved if we had eaten out every time we wanted to. That 12-Day challenge is a great idea. 🤙
Congratulations on you and your family’s new stage! Your way of budgeting sounds very Japanese. My Japanese parents always told me the only ok debt is mortgage (although student loan is very much understandable). I was keeping it up until recently…went with a 2-year no-interest loan for much needed AC…and putting $ in CD with decent interest made more sense. Okozukai (allowance) is a good way to budget. I think you said fun money in your video. Need/want/would be nice list also helps.
Mahalo for the comment. Yes, we have fun money for each of us to spend on whatever. It gives us freedom to buy within certain boundaries. Spend some, save some. 🤙
Excellent mindset. Don’t let lifestyle inflation eat your raise every year. I live on 70k even though I make 10x more. I kept my spend in check through my 20 year career and all the promotions. The peace of mind knowing I will be ok even if I lose my job is priceless. For everything else there is Mastercard ;)
Mahalo for the comment. The older I get, the more I think that learning to curb spending is a skill. It's a discipline that's hard, especially with all of the ads we're shown each day.
Thanks. I picked the M series to limit myself from ever buying another camera again. Just traded some gear for the Pocket 3. Still have a hard time shaking that GAS. 😆
No shame living at home and catching the bus to work because it’s a huge wealth saver and builder to do so from personal experience! I also have the same habit of replacing smart phones when they go bad. My last phone was the iPhone X and that lasted a little over 5 years. I got the iPhone 14 Pro Max last year because it was cheaper to buy the previous year model and I don’t plan to buy a new phone as long as this one is still functioning.
No car payments here either (one car was paid off 20+ yrs ago, another was paid off about 8 yrs ago) - used any saved money on travel and other enjoyments in life. For phones, we normally make the $0-$10/mo (through trade-in credit/upgrade promotions from the carriers). Hey, with your wife working, it also starts in building her own Social Security which helps your guys in the long term Are you guys planning on upgrading to a larger place since your family has grown?
@@HelloFromHawaii best of luck, I know how challenging it is with affordability right now. The good thing, if you don't upgrade, in a few short years the kids ideally will be out of the house anyways so the place will be perfect for just the two of you, again 😁... Time will fly by
Sounds like you guys listen to Dave Ramsey podcast. If not still cool vid. I cant believe people can go 1 day without a budget. I lost my mind when I lost the budget excel sheet. Lucky I got it back and was able to keep the budget info. We also live on Oahu and live off 1 income family of 4 and 1 kid is special needs. Been doing this for 9 years now with my fiancé as stay at home mom while I work and support the family. Keep up the good vids.
I'm familiar with Dave Ramsey and read his book. Interesting and practical stuff. For me, I realized that I don't make enough to not afford to not budget (triple negative?). 😆
That's why we should think about the responsibilities of having children. It's IRRESPONSIBLE to have children IF you can't take care of their needs. The wife is good to be at home taking care of her whole family at home and cleaning etc. Wife who works at home and outside is very stressful for her too. That's why we need to pray, help each other and support each other and try our best and good behavior to speak out if you need help with household chores too. We need to pray pray pray for strength and health and provision and be thankful always. God bless you MARANATHA
In the 50s, a family was able to live off one income. In the modern era, most Middle Class families need a dual income. The middle class is shrinking. I had to work double time or even triple time to afford to live off a single income for 22 years of marriage. But, it's taken a toll on my health. Fortunately, I'm worth a little over 5 million now and we are moving to O'ahu in 3 years so I can be semi retired at age 52. Transplants have the reputation to be rich mainlanders but locals don't understand some Transplants like myself worked absurd 80 hour weeks for years to get there. I'm only a high school graduate that graduated from a continuing education high school and I got kicked out of a cal state university for having a gpa below 2.0. 1.86 to be exact. Lol. But, I did it. My kids will be attending the the top universities in the nation now. Almost there. My eldest is ranked #1 in her school. It's all about being focused. Anything is possible. Even the impossible is possible. There's no excuses in life. The cards we get dealt with in life can be changed for other cards if you don't quit. No one is a victim in life. It doesn't matter if the government stole the land. What matters is how can one better yourself and provide for one's family. I understand the history of Indians, Kanakas, and multiple other cultures in the world. It's been a constant issue since the beginning of time. The world is constantly changing and getting harder to survive. The game is about the survival of the fittest. Make do with what you got in life and double down on it. If you don't have any skills, find one. Then perfect the craft. Fyi. I'm a 2nd generation korean American. Not some rich white person. And, I have dyslexia. It's all possible. There are no victims in life.
Mahalo for sharing your story. I'm glad you were able to find success after working hard for so many years. Good luck with the move in the future and congratulations on your children's success. 🤙
Is hard for a woman to work because kids have a lot school breaks, at least 2 weekdays a month, some last a whole week or two, and then summer break which is two months, plus kids get randomly sick too, and there’s some days where school ends earlier. Almost not jobs out there let you have such of flexibility schedule and so many days off and cover for last minute sick days. Working moms have to deal so much finding after school care, and those fill up so fast and are pricey. Is hard. And on top of that still have to do the regular errands at home, be slim and fit, look good, and never be tired.
God bless you MARANATHA. The LORD Jesus Christ is coming soon. We see the signs of the Last Days happening more and more and faster and faster now. Get saved. Don't get left behind with all the things coming to this earth.
Is there a fund for people to donate money to allow Hawaiian people to stay in Hawaii? It’s not right that the people the land really belongs to can’t afford to live there. Do people not understand that the Hawaiian people ARE Hawaii? This has been troubling me greatly. There needs to be a fund.
@@HelloFromHawaii I am looking very hard for one. I will report back if I find one. We must do this. It makes my heart ache. Jewish people know first hand every awful thing about diaspora. We mustn’t allow this to happen, it’s monstrous. If you know of someone who can do this, please respond here, I will see it. It must be run by Hawaiians for Hawaiians, I don’t trust us. But we can donate. I can not imagine anyone lucky enough to have visited Hawaii who could resist donating. Maui is especially bruised right now, and not just because of the fire. We can’t wait. For all my fellow Gen Xers? Imagine what Uncle Walt, what Mr. Rogers, what our kids would say if we let this happen. The shame of it! It’s horrifying! There is no Hawaii without the Hawaiian people, for the love of God, can’t we all see that?
It depends on if you get free rooms in Vegas. I know people who get free rooms at the Cal whenever they go. Flights are cheap and you're really just spending gambling money.
Your proud of your wife starting to work ? ....A "Stay at home mom works 24/7 ", she's a cook, cleaner, care taker etc. She just doesn't get paid for it.
Have you been able to invest; Stocks, Crypto-Currencies, etc? Hope so. I've been retired here in NY since April 2019 And been wanting to return to Honolulu, BUT..., You know? I just looked at a 2 Bed 2 Bath condo there and it was over $1,000,000! I can't believe how expensive things are there.
Thanks for all of the great feedback on this video. I had planned on doing a monthly breakdown of our budget in Hawaii, but held off on making it because certain sponsorship opportunities fell through. (Eh, no worries. All good.) Despite that, I do plan on making that video at some point, which I think will be really helpful for those wondering what kind of budgeting it could take to make it in Hawaii. 🤙
We’ve lived a very similar life in CA. Budgeting and paying with cash have been key to our success. We have old cars, old phones, old clothes, and don’t go on vacations. But we have each other, put a kid through college, and own a home. We even have a decent retirement fund. People aren’t wrong for living differently than we do. We all just have different goals.
It’s all about the priorities and what you value the most. 🤙
I was a stay at home mom with my four kids for many years. I was blessed to have a husband that was able and willing to support us. When I finally went back to work I was not getting the help at home that I thought I would receive. I was doing the same work at home on top of the work I was doing outside the home. I would encourage you to make the effort to help out at home with the kids and housework as much as possible. Taking care of kids and the household is the hardest job I ever had. If my husband had to pay someone to do all the things I did while staying home, he would not be able to afford it. Just a different perspective from an older stay at home mom. Great video! Keep up the good work. I enjoy all your videos.
@@veronicacord ahhhh I came from old school (old lady now hahahah) but I remember that as well and at work, I would eat my meal at break time and sleep in my car on my lunch break. I even fed my babies at night sitting on futon and I slept there with the baby because I was afraid of dropping the baby if I fell asleep. Ended up all three of my kids would sleep with me there and eventually our living room became the camping grounds (including my husband) 🤣 It was rough and idk if it also took a toll on my health later on but today it’s the opposite where my husband does so much more now that we’re retired. My kids loved the way we slept together back then but they didn’t know why I did that. You’re right …to have kids and want a second income requires dual at home because it’s tough.
Mahalo for sharing your experience. I've thought about that a lot recently. It's a lot to ask someone to jump back into the workforce and still keep up with household chores. So we're still transitioning into this new season and we'll be making adjustments, including what I can do to help her.
@@HelloFromHawaii I think just to do what you can and never forget to say thank you and I love you (I have to force myself bc I’m Japanese lol)
I agree with you. I'm divorced with two kids and no child support. Working mom and doing everything at home even to the fixing of house. The stress it gives is no joke.
Mahalo for making this video. We are moving back next year but this time with 2 more keiki and no house. We had to sell during the pandemic because I lost my job & our tenants moved out. I’m praying that everything works in our favor, as long as we work hard and do our part with all of the things you mentioned. It’s not going to be easy, but your message was encouraging!
I'm glad the video was encouraging. It's a different housing market from pre-2020, but there are still housing opportunities out there. Hope the move back is smooth for you and your family. 🤙
I hope that you are able to make your dreams a reality!
@@lillileong5108 mahalo nui!
Living a minimalist lifestyle and being a conscientious consumer has transformed my life. I never considered moving to Hawaii,but this has my wheels turning now. Great post.
Moving will definitely help minimize the stuff you have, but eventually you'll start accumulating things as you settle in, at least from what I've experienced. But it's nice to reduce the things we have. For every new thing we get, I try to throw out two things.
I would have been much better off financially, had I decided to stay on the mainland after college. But I made a conscious decision to return to Hilo and scrimp-save-budget in order to live in what I feel is paradise on earth.
I love the people here. I love waving at policemen and having them wave back. I love the smile on people's faces at the Target Customer Service (yes, they really seem to be enjoying their jobs as opposed to on the mainland, where they seem to be just going through the motions). I love the fact that I almost always run into someone I know at the local Long's or KTA stores. I love the different moods of Mauna Kea in the morning, in the afternoon and in the evening. Ua mau ke ea o ka 'āina i ka pono, nowhere else do these words carry such import.
I'm 70 now, retired for seven years. I haven't done a whole lot since retiring, mainly just catching up on the honey-do-list. But you know what, I don't think I've missed a thing. Living in Hawaii has been like one long dreamlike vacation for me. If I had to do it over again, I wouldn't change a thing.
For many like yourself, the sacrifices are worth it. Those experiences in Hilo are so common in many of the smaller communities in Hawaii.
I love Hilo! It's such a lovely little town.
From 10:05 it really hit home for me (also from being from Hawaii). Your thoughts and experiences were what I also went through including the culmination of the feeling of the appreciation that your spouse became another contributor. Fortunately we were blessed to get past rougher times and thrive now.
Glad you were able to relate. It's a lot of pressure to be the only one working. It's encouraging that my wife is working. 🤙
I have to say…I am so proud of you as a person and as a couple (you and your wife )…I learned in my life that it’s not just how much you earn but how you budget and I was so happy to hear someone young as yourself say that. I used to go over budgets with people needing financial help and it was hard to explain to someone to cut their cable tv so they could meet rent etc…I mean if your electricity gets cut off …no TV anyway but you’d be surprised how many will not take that as sound reasoning and it’s sad bc I knew it spelled doom 😢. I hope you plan on teaching the kids about this early on 😊 I feel so happy I saw your vlog today! Please tell your wife omedetoo on her new job! 🎉
Thank you for the encouraging comment. I wish that budgeting and financial literacy was incorporated more into the public school education. It's more than just math (spend less than you earn). It's about figuring out how to prioritize things and learning to cut things when one can't afford it. Hopefully the DOE incorporates more of that, especially if these kids plan on staying in Hawaii in the future.
@@HelloFromHawaii in Hawaii we are def unique in our needs and that includes education because our way of life is diff from other places and especially our cost of living and oh there’s so many factors that weigh in. Culturally we have diff thoughts of importance in what is paid and what can be ignored …it was a learning experience for me to hear from diff cultures.
I agree that budgeting is key. I have lived in Hawaii over 30 years and when my wife and I retired we were able to stay here. Without strong budgeting which included a 10% rule meaning 10% of our net income went for retirement (that's above what went into our 401k plans) we would have had to leave this beautiful state.
Yes, budgeting is key. Putting aside money is important, as I'm learning as I get older. I'm sure there are a lot of people who are house-rich, but not a lot in the savings account and then it can be challenging to live here.
That was a very honest, sincere and powerful discussion! We need to be mindful and diligent when our finances, especially today! Great video, thank you and Good bless you and your beautiful family! ❤😊
Great info. Young people need to hear all of this. Especially high school seniors and college freshman, and in any part of this country.
Mahalo. It's stuff I wish I had learned earlier. I wasted so much money over the years 😅
@@HelloFromHawaii Same here. I learned the hard way, over time.
Budgeting is key. Saving up and paying cash for purchases. Don't forget to save for your kids college while they are young. We started when baby then stopped for awhile, then started again, but just starting allowed those funds to keep compounding interest. We had $36k saved for each of our children by the time they needed it. Also, tell kids to go to their local, public Uni. Save for retirement the same way. The sooner you start, the longer your savings will have to grow through compounding interest and earnings. Good luck. I wish we could have stayed in HI. But, we didn't know these things until after leaving and now we're looking at retiring at 55 and can do so because we don't live in HI. We do visit every other year to see family.
Mahalo for sharing. I think that's great that you were able to save so much for your kids' college tuition. 🤙
Modeling an enriching work ethic, resilience, and collaboration through realistically challenging times. Our parents' behavior and attitudes are intergenerational gifts that can firmly ground a legacy of secure attachment. Good on you both!
Mahalo 🤙
Good for you bud. My wife and I pulled this off in SF Bay Area and now ready to buy home in Hawaii. Seems like lot of haters out there hating on mainlanders buying homes in Hawaii and making things difficult for locals. Well guess what same thing happening all over the world! It’s called competition. Those that hustle the hardest get ahead. Those that whine will whine loud.
Good luck with the move. We'll see how interest rates react to the election next month. Could be rocky for a while. 😄
I was sole earner with a large family for the first 17 years.
Then we went into business together.
Retired YOUNG and just went to Hawaii!
Thanks for the videos.
Glad you enjoy the videos 🤙
Wise words indeed 🙏, wonderful plan towards obtaining " Peace of Mind " 😊, in the end , it's all about family ❤, wishing your wife all the best in the new job 🙏, Peace
Mahalo for the kind words 🤙
We sold our home and moved to Washington two years ago because of the lack of quality of our life in Hawaii. We made decent money, but it still wasn't enough. We sold our 40-year-old, ordinary 3-bedroom home in Aiea and were able to buy a brand-new home in South Washington that is much bigger and paid off all of our bills. We were on a road trip yesterday and it occurred to me that a lot of people stay in Hawaii when they could have a better life somewhere else is because they don't know what it's like living somewhere else. They just don't know what they're missing. It's natural to have a fear of change, but we've never had any regrets, and life is much more fulfilling now. Someone asked me why we left Hawaii, and I compared it to being on a merry-go-round where the view never changes, and every day is the same or being stuck in a black hole where nothing can escape its gravity. Nothing changes or gets better in Hawaii. State government is mismanaged and corrupt and it's impossible to buy a home there for first time buyers. Consequently, people become lifetime renters, and the landlords are the ones living their dream. If you are lucky enough to own, it's because of the income from three generations forced to live under the same roof in cramped spaces. The state in in decline and we saw the writing on the wall. And I also told this person that Hawaii is an illusion created by Hollywood and shows like Hawaii Five-0 and magnum PI, and the reality of living there and being part of that daily grind (literally the worst traffic in the nation) is very disheartening. There are things that I miss, but our overall happiness is more important. I would urge local people to do some soul searching and ask yourselves if you ever considered living in another state and if not, why not?
Mahalo for the comment. You bring up great points. I think many have never lived on the mainland so they don't get to experience what life could be like elsewhere. Some just never travel or move to places temporarily, like for college. But many people stay because of family. It's the reason I moved back after being on the mainland for almost ten years. And for me, I believe the sacrifice is worth it. Sure, I'd love to be able to sell and have a nice home in a Midwest state, but I don't want to miss those moments with my parents and brother and other relatives. But happy things worked out for you and your family 🤙
I’m in limbo deciding if we want to leave for a better quality of life and to be near my family (my hubby’s family is here in HI). It’s just so expensive and it’s getting more stressful. We are one incoming as I’m a stay-at-home/homeschooling family, but I’m needing to get a night job now.
Two incomes are always better than one, but it does mean that both need to do stuff around the house for the family, too. I mean you budget time as well as money, right? Thanks for another thoughtful podcast.
Great insight about budgeting time. It's something I've had to really think about for my wife. I know she needs her quiet time and so we're working on a way for her to recharge. 🤙
Smart man; you may not be financially rich but you have 2 kids a wife and a family. Thats worth it.
Thank you. Definitely worth it 🤙
Living in Hawaii sounds nice. The culture seems nice as well.
I live on the west side, braddah. My phone is 7 years old. I have a luxury, a motorcycle, that I bought used that was also 7 years old at the time. My lady is 7 years--no no, bad joke. And I try to do work on those vehicles myself, along with house repairs, as long as I'm able. Just gotta do what you can.
Lol. Had to scratch my head at that joke at first. 😆
You can tell the dude lives a budget life by looking at his watch. The color, the style, probably got it on sale because it's an unpopular color. Hopefully I am not wrong otherwise I would get call out, "how can you tell of someone by 10 seconds into the video" Cudos to you man, simple life is the best life!
Lol. I bought this watch retail. The reason I got it was because I wanted to wear it for Breast Cancer Awareness Month. Also, the traditional Casioak was a little too big and this size fits just right. 🤙
I think that it is almost impossible to try to save for a down payment for a home in Hawaii. How can you save 20 percent of $600,000 way- 900,000? It seems like you and your wife have a great plan to have your financial goal. Hopefully other young couples read this and takes away some idea of how to manage their funds. I was not in your situation and my husband and I both had to work. We owned our first home in our early twenties. Back in the 1970’s things were cheaper but incomes were not as they are now. We had no children for 7 years into our marriage because we knew how we wanted to provide for them. FYI I am 72 years old so things were different and yet similar. You and your wife are very fortunate that you both agree on how your money is spent. With your plan I know you will attain your goals in life💖💖
It's really tough to save while paying rent. It would require a high household income and lots of saving leading up to purchase. On top of that, you have to get lucky on the mortgage rates and the available housing stock.
So glad you are going to have dual income! 🎉🎉🎉🎉🎉👍
Mahalo! We're excited too. 😁
Everything sounds pretty good. Planning is not something all young couples can agree upon. It's fortunate that both wife and husband managing the money is something easily achieved, especially after children. The children and unexpected emergencies are two factors that sometimes, pops up and throw young couples awry in what the communications, plans and desires were before and after it occurs. Young couples with children, family, throw wrenches about retirement plans. Retirement seems long way off, but it'll come soon enough along with the economic upheavals that can't be planned like natural disasters, economic changes. Keep planning, taking it with thought and communications with the wife, family and good luck.
All great advice. Yeah, there are more unexpected expenses with kids. Cavities, medical bills, and miscellaneous expenses add up. But we've been pretty good at communication so it helps when these challenges arise. 🤙
Oh interesting✨✨I know that living in Hawaii is really expensive my friend who lives there with his wife they both work at the Polynesian cultural center and they explained to me that it was tough at the beginning but now they are stable✨✨even my friend wanted me to go to Hawaii to live and work at the Polynesian cultural center to share my knowledge but I refused it's too expensive and that's not the goal I foxed to myself😁😁😁that was interesting to hear your thoughts and opinion at least now we have a precise point of view about it✨✨ iaorana from French Polynesia 🇵🇫👏❤️
That's great to hear that your friend and his wife were able to get financially stable. I know it can be tough at first, but it gets better with time and budgeting.
Chris, Thanks for these points. I live a frugal lifestyle here in Hawaii. I make all my meals for work and make my own matcha green tea. I also have a passive income on the side besides by main incomes.
That's great to hear that you do those things, especially making your own meals and matcha tea. Helps to save money for other things. 🤙
It’s sad that we often need two incomes to stay afloat. It’s so good for children to have mom around and there is so much to do at home. Thanks for your advice.
Mahalo for sharing. I'm glad my wife was able to spend time with our boys for a little while. The extra money might have been nice, but the extra time with the boys was priceless.
06:20 Toyota or a Honda? I have a 2004 Honda. Paint is faded but it runs like a champ!
Ford 😄
What a fantastic video! If you’re open to it, I’d love to see a budget breakdown on how you managed to live on one income. As a young guy myself, it would greatly help me see how realistic a budget can be with kids. It’s such an inspiring journey!
Glad you enjoyed the video. I do plan on making a budget breakdown in the future. I have been planning it for a while, but our budget continues to change as our family costs change. It's coming. Not sure when, but at some point 🤙
My dream is to live in Kona. But It would be just me. I’m a medical assistant here in California and don’t think I would make enough money to afford a living in Hawaii. Still staying hopeful that one day my dream will come true 🙏🏼 🏝️
I’ve seen many affordable condos and homes on big island just maybe not Kona - be flexible
It might be tough in Kona, but I'm sure there are other places on the Big Island that are more affordable.
All good points. We aren’t as diligent as you in terms tracking budget but I always did a deep dive into spending whenever we were on the verge of a major purchase like a house or car just for my own validation that we could do it without stretching the budget. As far as home ownership, I’m not sure if anything really prepares you for the cost of that even if you’ve rented because maintenance costs are real on top of the actual mortgage. When our offer for our house was finally accepted then it all hit me like OMG what did we just get ourselves into and it took a little while to get into the groove of all the costs associated with that. I’m similar to you in that my income typically pays all the bills and my wife’s income contributes more to disposable income but it still does take the pressure off to know that I’m not the only one pulling the weight.
Mahalo for sharing. Homeownership can sometimes be overwhelming. I wish they'd teach you about what it really means to own a home in high school or college. I think a lot of people want to own, but not a lot of people know about all of the responsibilities of owning a home. 🤙
I have a house on the big island but scare to move there right now. I’m working in Texas and saving up before I move there
Youre very inspiring man. We just had our first kid in California. Very expensive here too. Well be budgeting more closely even though were dual income.
Budgeting is important. It doesn't have to be restricting either. To me, it's just keeping track of where the money goes and making adjustments along the way.
Totally agree 100%. 💖
🤙
08:50 I recently heard that our HOA is raising maintenance fees by 30 % next year.
The fees are going up because of the changes in the insurance laws. Lots of people will be affected.
It's definitely possible for sure if you budget the right way. I actually had someone ask if I was rich because I travel so much, but that is what I love to do. I dont subscribe to cable as I do not watch TV, I like you drive an older car and have no desire to buy a new one unless it is completely dead. Cars are the worst things to invest in as they depreciate in value. Who are you impessing? As long as it gets you from A to B. You dont need a huge house as long as you have shelter to sleep and eat in. You dont need to buy unnecessary "things" like stupid purses and clothes. As long as the t shirt has no holes, you're good. Recycle cans and do side jobs on your day off for play money. Budget your groceries and cook dinner at home. Eat the leftovers for home lunch at work or the next day for dinner. Treat yourself to eat out once a week if you'd like. But if you buy a plate lunch for lunch at work with a Starbucks coffee every day at work, that adds up to around $600 a month. Not to mention some people I know eat lunch and dinner every day at a restaurant. All that money could go to your savings or a vacation...
Definitely true. It's great that you prioritize what's important to you so you can do those things. I think so many people want to do everything and so everything is prioritized as "first place", but it just doesn't work that way unless you make a lot of money. And as long as the car works, I'm okay. When it doesn't, we go out and get another one, hopefully used. 🤙
@@HelloFromHawaii Its interesting that both of you make the assumption that people buy cars to project a personal image but that's not always the case. People buy cars because they need a certain function out of it. Some people buy more expensive cars because if they spend hours in traffic everyday they value the time in the car and want it to be something the can be comfortable in an enjoy. Its not always about projecting an image which has negative connotations to it. Believe or not some people do need it to project an image not for their own self worth but maybe its because their job requires it either for a means of advertising or just projecting an image to suit the needs of the company. There are lots of factors that could come into choosing a car.
Like a lot what you say about "the car". In the end, all it really is and serves duty as, is a transport machine on 4 wheels.
I have an experiment for anyone who'd try it: try not spending a penny on anything (but the minimum basic required bills) and just stay home after work (don't go out at all; just hang out at home only, don't drive anywhere, don't use any gasoline, no eating anything outside cooking at home, don't order anything, don't buy something online or anything at all- just be at home, staying at home)
for 12 straight days.
12 days.
You'd be surprised at what your bank account now reads as opposed to how it looks compared to last month!!
When we didn't eat out for a month, I was surprised by how much we saved if we had eaten out every time we wanted to. That 12-Day challenge is a great idea. 🤙
Congratulations on you and your family’s new stage!
Your way of budgeting sounds very Japanese. My Japanese parents always told me the only ok debt is mortgage (although student loan is very much understandable). I was keeping it up until recently…went with a 2-year no-interest loan for much needed AC…and putting $ in CD with decent interest made more sense.
Okozukai (allowance) is a good way to budget. I think you said fun money in your video. Need/want/would be nice list also helps.
Mahalo for the comment. Yes, we have fun money for each of us to spend on whatever. It gives us freedom to buy within certain boundaries. Spend some, save some. 🤙
Excellent mindset. Don’t let lifestyle inflation eat your raise every year. I live on 70k even though I make 10x more. I kept my spend in check through my 20 year career and all the promotions. The peace of mind knowing I will be ok even if I lose my job is priceless. For everything else there is Mastercard ;)
Mahalo for the comment. The older I get, the more I think that learning to curb spending is a skill. It's a discipline that's hard, especially with all of the ads we're shown each day.
Do you still get the yearly increase based on escrow changes?
We're not immune to property taxes increasing, but it's small. I'm more concerned with HOAs at the moment
Shooting on a 5 year old camera helps too. I respect that you still rock the m6 ii. 🤙🏽
Thanks. I picked the M series to limit myself from ever buying another camera again. Just traded some gear for the Pocket 3. Still have a hard time shaking that GAS. 😆
@@HelloFromHawaii the pocket 3 is great.
Living in Hawaii means not needing a vacation away. You are already in paradise.
Well, locals still need a vacation (see Las Vegas and Japan) 😆
Great video… good responsible planning 👍
Live within your means
Mahalo! It's the only way to stay financially sane in this market.
“I make plenty money “🤣💰
That’s how I feel now - my kds are grown up and out of the house.
🎉🙌
Lol. Once we're done with preschool tuition, it will feel like I got a huge raise 😆
I love your watch 😊
Thanks. Wearing it for Breast Cancer Awareness Month 🤙
No shame living at home and catching the bus to work because it’s a huge wealth saver and builder to do so from personal experience! I also have the same habit of replacing smart phones when they go bad. My last phone was the iPhone X and that lasted a little over 5 years. I got the iPhone 14 Pro Max last year because it was cheaper to buy the previous year model and I don’t plan to buy a new phone as long as this one is still functioning.
Agreed. No shame in living at home and catching bus. 🤙
No car payments here either (one car was paid off 20+ yrs ago, another was paid off about 8 yrs ago) - used any saved money on travel and other enjoyments in life.
For phones, we normally make the $0-$10/mo (through trade-in credit/upgrade promotions from the carriers).
Hey, with your wife working, it also starts in building her own Social Security which helps your guys in the long term
Are you guys planning on upgrading to a larger place since your family has grown?
Mahalo for sharing. We do plan on upgrading at some point. A one-bedroom is a little tight for a family of four. At least the kids are small for now 😅
@@HelloFromHawaii best of luck, I know how challenging it is with affordability right now. The good thing, if you don't upgrade, in a few short years the kids ideally will be out of the house anyways so the place will be perfect for just the two of you, again 😁... Time will fly by
Please talk more about budgeting!
Possibly in a future video. 🤙
Best way to malama kala in Hawai'i: A'ohe a maua keiki !! (No kids!) Always live beneath your means.
It's definitely cheaper to live here without kids, but we decided we wanted kids so we had to plan for that.
Sounds like you guys listen to Dave Ramsey podcast. If not still cool vid. I cant believe people can go 1 day without a budget. I lost my mind when I lost the budget excel sheet. Lucky I got it back and was able to keep the budget info. We also live on Oahu and live off 1 income family of 4 and 1 kid is special needs. Been doing this for 9 years now with my fiancé as stay at home mom while I work and support the family. Keep up the good vids.
I'm familiar with Dave Ramsey and read his book. Interesting and practical stuff. For me, I realized that I don't make enough to not afford to not budget (triple negative?). 😆
well said. humility
Mahalo 🤙
First off, no more late night Korean Bar visits.
If you don't buy a Pfluegar Honda Car my friends will suffer lol, lol.
😆
Great video
Mahalo 🤙
switch your kids to oatmeal or grits or cream of wheat. Also diversified income.
We're in the process of switching to low sugar cereal and cutting sugary snacks. Already seeing positive outcome.
That's why we should think about the responsibilities of having children. It's IRRESPONSIBLE to have children IF you can't take care of their needs. The wife is good to be at home taking care of her whole family at home and cleaning etc. Wife who works at home and outside is very stressful for her too. That's why we need to pray, help each other and support each other and try our best and good behavior to speak out if you need help with household chores too. We need to pray pray pray for strength and health and provision and be thankful always. God bless you MARANATHA
In the 50s, a family was able to live off one income. In the modern era, most Middle Class families need a dual income. The middle class is shrinking.
I had to work double time or even triple time to afford to live off a single income for 22 years of marriage. But, it's taken a toll on my health. Fortunately, I'm worth a little over 5 million now and we are moving to O'ahu in 3 years so I can be semi retired at age 52. Transplants have the reputation to be rich mainlanders but locals don't understand some Transplants like myself worked absurd 80 hour weeks for years to get there.
I'm only a high school graduate that graduated from a continuing education high school and I got kicked out of a cal state university for having a gpa below 2.0. 1.86 to be exact. Lol. But, I did it. My kids will be attending the the top universities in the nation now. Almost there. My eldest is ranked #1 in her school. It's all about being focused. Anything is possible. Even the impossible is possible.
There's no excuses in life. The cards we get dealt with in life can be changed for other cards if you don't quit. No one is a victim in life. It doesn't matter if the government stole the land. What matters is how can one better yourself and provide for one's family.
I understand the history of Indians, Kanakas, and multiple other cultures in the world. It's been a constant issue since the beginning of time. The world is constantly changing and getting harder to survive. The game is about the survival of the fittest. Make do with what you got in life and double down on it. If you don't have any skills, find one. Then perfect the craft.
Fyi. I'm a 2nd generation korean American. Not some rich white person. And, I have dyslexia. It's all possible. There are no victims in life.
Mahalo for sharing your story. I'm glad you were able to find success after working hard for so many years. Good luck with the move in the future and congratulations on your children's success. 🤙
Is hard for a woman to work because kids have a lot school breaks, at least 2 weekdays a month, some last a whole week or two, and then summer break which is two months, plus kids get randomly sick too, and there’s some days where school ends earlier. Almost not jobs out there let you have such of flexibility schedule and so many days off and cover for last minute sick days.
Working moms have to deal so much finding after school care, and those fill up so fast and are pricey. Is hard. And on top of that still have to do the regular errands at home, be slim and fit, look good, and never be tired.
Fortunately, my work schedule is pretty flexible and I'm able to take off when the boys get sick.
God bless you MARANATHA. The LORD Jesus Christ is coming soon. We see the signs of the Last Days happening more and more and faster and faster now. Get saved. Don't get left behind with all the things coming to this earth.
🤙
❤❤
Is there a fund for people to donate money to allow Hawaiian people to stay in Hawaii? It’s not right that the people the land really belongs to can’t afford to live there. Do people not understand that the Hawaiian people ARE Hawaii? This has been troubling me greatly. There needs to be a fund.
I don't think there is a specific fund for that.
@@HelloFromHawaii I am looking very hard for one. I will report back if I find one. We must do this. It makes my heart ache. Jewish people know first hand every awful thing about diaspora. We mustn’t allow this to happen, it’s monstrous. If you know of someone who can do this, please respond here, I will see it. It must be run by Hawaiians for Hawaiians, I don’t trust us. But we can donate. I can not imagine anyone lucky enough to have visited Hawaii who could resist donating.
Maui is especially bruised right now, and not just because of the fire. We can’t wait.
For all my fellow Gen Xers? Imagine what Uncle Walt, what Mr. Rogers, what our kids would say if we let this happen. The shame of it! It’s horrifying! There is no Hawaii without the Hawaiian people, for the love of God, can’t we all see that?
Thank you Lord Jesus for the gift of life and blessings to me and my family $14,120.47 weekly profit Our lord Jesus have lifted up my Life!!!🙏❤️❤️
I'm 37 and have been looking for ways to be successful, please how??
Sure, the investment-advisor that guides me is..
Mrs Kathy lien
Her services is the best, I got a brand new Lambo last week and paid off my mortgage loan thanks to her wonderful services!
😱Sounds familiar, I have heard her name on several occasions.. and both her success stories in the wall Street journal!
Staycations in Hawaii are way more expensive than flying to Vegas or the mainland.
It depends on if you get free rooms in Vegas. I know people who get free rooms at the Cal whenever they go. Flights are cheap and you're really just spending gambling money.
I thought your wife worked.
I mean I thought she had always had a job, too, apart from looking after the kids.
She stayed at home with the boys until they could go to preschool. It made more sense financially. So proud of her for working now.
@@HelloFromHawaii Good for your wife!
Your proud of your wife starting to work ? ....A "Stay at home mom works 24/7 ", she's a cook, cleaner, care taker etc. She just doesn't get paid for it.
True. It's tough to stay at home with the kids, which is why I'm proud of her for working on top of the normal parental responsibilities.
Have you been able to invest; Stocks, Crypto-Currencies, etc? Hope so. I've been retired here in NY since April 2019 And been wanting to return to Honolulu, BUT..., You know? I just looked at a 2 Bed 2 Bath condo there and it was over $1,000,000! I can't believe how expensive things are there.