The Last Year Before I Retired in Vietnam I Did Wrong — Here's Why

All right, welcome back to Saigon, All right, welcome back to Saigon, Vietnam. I'm Evan A, retired early in Vietnam. I'm Evan A, retired early in Vietnam. I'm Evan A, retired early in Vietnam, and today I want to talk about Vietnam, and today I want to talk about Vietnam, and today I want to talk about a very precise and particular moment or a very precise and particular moment or a very precise and particular moment or period in time. So, everyone when you're period in time. So, everyone when you're period in time. So, everyone when you're talking about retirement tends to ask talking about retirement tends to ask talking about retirement tends to ask about the actual, like, the day, the day about the actual, like, the day, the day about the actual, like, the day, the day when you quit, the day when you stop, when you quit, the day when you stop, when you quit, the day when you stop, the day when, you know, your career the day when, you know, your career the day when, you know, your career ended. But, nobody oddly asks about the ended. But, nobody oddly asks about the ended. But, nobody oddly asks about the last 12 months, the last year. And for last 12 months, the last year. And for last 12 months, the last year. And for me, that was actually the most important me, that was actually the most important me, that was actually the most important of time, like, the time when I finally of time, like, the time when I finally of time, like, the time when I finally committed, I made the decision, I pulled committed, I made the decision, I pulled committed, I made the decision, I pulled the trigger. What did I do for those 12 the trigger. What did I do for those 12 the trigger. What did I do for those 12 months out, right? The year before is months out, right? The year before is months out, right? The year before is where almost everything that matters where almost everything that matters where almost everything that matters actually happened, the preparation that actually happened, the preparation that actually happened, the preparation that makes the moment work, mistakes you only makes the moment work, mistakes you only makes the moment work, mistakes you only see in hindsight. So, today I'm going to see in hindsight. So, today I'm going to see in hindsight. So, today I'm going to take you inside the last year before I take you inside the last year before I take you inside the last year before I actually walked away from my career as a actually walked away from my career as a actually walked away from my career as a school teacher. The 12 months from school teacher. The 12 months from school teacher. The 12 months from roughly June 23 to June 24, what I did roughly June 23 to June 24, what I did roughly June 23 to June 24, what I did right, what surprised me, what I'd do right, what surprised me, what I'd do right, what surprised me, what I'd do differently if I could run it again. differently if I could run it again. differently if I could run it again. Because if you're somewhere in your own Because if you're somewhere in your own Because if you're somewhere in your own countdown, your own sort of last year or countdown, your own sort of last year or countdown, your own sort of last year or 2 years of planning to move abroad, to 2 years of planning to move abroad, to 2 years of planning to move abroad, to retire early, you know, you're 1 year retire early, you know, you're 1 year retire early, you know, you're 1 year out, 2 years out, or just a couple years out, 2 years out, or just a couple years out, 2 years out, or just a couple years out starting to imagine it, this is a out starting to imagine it, this is a out starting to imagine it, this is a video I wish um, are full of the things video I wish um, are full of the things video I wish um, are full of the things I wish someone had told me, right? Not I wish someone had told me, right? Not I wish someone had told me, right? Not highlight reel stuff, the actual sort of highlight reel stuff, the actual sort of highlight reel stuff, the actual sort of basic manual logistics of getting it basic manual logistics of getting it basic manual logistics of getting it right the first time around, the thing right the first time around, the thing right the first time around, the thing that tells you what to do in the final that tells you what to do in the final that tells you what to do in the final 12 months, and just as importantly, 12 months, and just as importantly, 12 months, and just as importantly, what's going to happen to you inside what's going to happen to you inside what's going to happen to you inside your head, uh, that you probably won't your head, uh, that you probably won't your head, uh, that you probably won't see coming, some of the psychological see coming, some of the psychological see coming, some of the psychological pitfalls. Heads-up before I start, some pitfalls. Heads-up before I start, some pitfalls. Heads-up before I start, some of what I got right was financial and

of what I got right was financial and of what I got right was financial and clean, some of what surprised me was clean, some of what surprised me was clean, some of what surprised me was emotional and messy. I'm going to give emotional and messy. I'm going to give emotional and messy. I'm going to give you both as best I can, because a video you both as best I can, because a video you both as best I can, because a video that only covers the the cash, the that only covers the the cash, the that only covers the the cash, the finances would be lying to you about finances would be lying to you about finances would be lying to you about what the last year is like internally, what the last year is like internally, what the last year is like internally, psychologically, mentally. And I think psychologically, mentally. And I think psychologically, mentally. And I think the second half, the messy, emotional the second half, the messy, emotional the second half, the messy, emotional half, is often, um, the more valuable half, is often, um, the more valuable half, is often, um, the more valuable one, because the financial preparation one, because the financial preparation one, because the financial preparation is the part you can easily read about is the part you can easily read about is the part you can easily read about anywhere, you can do with a calculator. anywhere, you can do with a calculator. anywhere, you can do with a calculator. And the emotional prep is the part And the emotional prep is the part And the emotional prep is the part nobody warns you about until you're in nobody warns you about until you're in nobody warns you about until you're in it, until you're deep in it, until it, until you're deep in it, until it, until you're deep in it, until you're committed. So, let me start with you're committed. So, let me start with you're committed. So, let me start with what I did right because there were real what I did right because there were real what I did right because there were real wins and I think you can copy some of wins and I think you can copy some of wins and I think you can copy some of these directly. So, the first I these directly. So, the first I these directly. So, the first I de-risked my portfolio for the de-risked my portfolio for the de-risked my portfolio for the transition. So, in the accumulation transition. So, in the accumulation transition. So, in the accumulation years, you can be aggressive, years, you can be aggressive, years, you can be aggressive, have a more growth-tilted portfolio, have a more growth-tilted portfolio, have a more growth-tilted portfolio, right? A downturn is just shares on right? A downturn is just shares on right? A downturn is just shares on sale. Right? You're going to be buying sale. Right? You're going to be buying sale. Right? You're going to be buying the dip. But, the year before you stop the dip. But, the year before you stop the dip. But, the year before you stop earning, I've now switched it away from earning, I've now switched it away from earning, I've now switched it away from this again, but your a major crash right this again, but your a major crash right this again, but your a major crash right at the start of your retirement is at the start of your retirement is at the start of your retirement is genuinely dangerous, right? If this is a genuinely dangerous, right? If this is a genuinely dangerous, right? If this is a real AI bubble and you're planning on real AI bubble and you're planning on real AI bubble and you're planning on retiring next year and you're all in on retiring next year and you're all in on retiring next year and you're all in on growth stocks, you could be growth stocks, you could be growth stocks, you could be you could be SOL, right? You'd be you could be SOL, right? You'd be you could be SOL, right? You'd be drawing down or relying on a portfolio drawing down or relying on a portfolio drawing down or relying on a portfolio that just took a huge hit, right? Say that just took a huge hit, right? Say that just took a huge hit, right? Say the big ones, which are whatever, 35% of the big ones, which are whatever, 35% of the big ones, which are whatever, 35% of most portfolios in the market right now, most portfolios in the market right now, most portfolios in the market right now, say they all tank tomorrow, say they all tank tomorrow, say they all tank tomorrow, what are you going to do? You just lost what are you going to do? You just lost what are you going to do? You just lost 30% of your retirement savings. So, I 30% of your retirement savings. So, I 30% of your retirement savings. So, I made sure my allocation, my cash buffer, made sure my allocation, my cash buffer, made sure my allocation, my cash buffer, my income streams were structured to my income streams were structured to my income streams were structured to survive a bad first couple years without

survive a bad first couple years without survive a bad first couple years without forcing me to sell anything at the forcing me to sell anything at the forcing me to sell anything at the bottom. That's the plan. So, I covered bottom. That's the plan. So, I covered bottom. That's the plan. So, I covered this structure more detailed, more this structure more detailed, more this structure more detailed, more accurately in a portfolio breakdown accurately in a portfolio breakdown accurately in a portfolio breakdown video, which I can link. But, the lesson video, which I can link. But, the lesson video, which I can link. But, the lesson for your last year is that shift your for your last year is that shift your for your last year is that shift your thinking from maximum growth to survive thinking from maximum growth to survive thinking from maximum growth to survive in the worst possible timing, the in the worst possible timing, the in the worst possible timing, the worst-case scenario. And this is the worst-case scenario. And this is the worst-case scenario. And this is the sequence of returns problems that I keep sequence of returns problems that I keep sequence of returns problems that I keep coming back to, right? For 10, 20 years, coming back to, right? For 10, 20 years, coming back to, right? For 10, 20 years, a market drop can be a gift. Your shares a market drop can be a gift. Your shares a market drop can be a gift. Your shares are on sale, you buy more, you keep are on sale, you buy more, you keep are on sale, you buy more, you keep going. But, in the 12 months before you going. But, in the 12 months before you going. But, in the 12 months before you stop earning an income, that same drop stop earning an income, that same drop stop earning an income, that same drop changes character completely because changes character completely because changes character completely because you're about to start relying on a you're about to start relying on a you're about to start relying on a portfolio instead of feeding it. 20%, portfolio instead of feeding it. 20%, portfolio instead of feeding it. 20%, 30%, 40% crash in year one with no 30%, 40% crash in year one with no 30%, 40% crash in year one with no salary incoming in is genuinely a salary incoming in is genuinely a salary incoming in is genuinely a different animal and it can be very, different animal and it can be very, different animal and it can be very, very scary and easily knock off on paper very scary and easily knock off on paper very scary and easily knock off on paper 10 years of savings in a day, right? So, 10 years of savings in a day, right? So, 10 years of savings in a day, right? So, in that last year, I deliberately made in that last year, I deliberately made in that last year, I deliberately made sure the cash buffer was full, the sure the cash buffer was full, the sure the cash buffer was full, the income streams were live, and I would income streams were live, and I would income streams were live, and I would never be forced to sell into a downturn never be forced to sell into a downturn never be forced to sell into a downturn in the early fragile part of retirement. in the early fragile part of retirement. in the early fragile part of retirement. Didn't try to maximize returns in my Didn't try to maximize returns in my Didn't try to maximize returns in my last year. So, we talked about this in last year. So, we talked about this in last year. So, we talked about this in other videos, but how you can buy like other videos, but how you can buy like other videos, but how you can buy like big high-returning funds that'll give big high-returning funds that'll give big high-returning funds that'll give you like basically max out dividend you like basically max out dividend you like basically max out dividend yields to 8, 10, 12%, but they're more yields to 8, 10, 12%, but they're more yields to 8, 10, 12%, but they're more risky. You don't want to do that in the risky. You don't want to do that in the risky. You don't want to do that in the first year. So, I tried to make sure no first year. So, I tried to make sure no first year. So, I tried to make sure no single bad year could break my plan uh single bad year could break my plan uh single bad year could break my plan uh cuz a broken plan in year one is the cuz a broken plan in year one is the cuz a broken plan in year one is the mistake that can mistake that can mistake that can genuinely you can't afford. And the genuinely you can't afford. And the genuinely you can't afford. And the second is I built the income streams second is I built the income streams second is I built the income streams before I needed them. The YouTube before I needed them. The YouTube before I needed them. The YouTube channel was already making several channel was already making several channel was already making several hundred dollars a month. It was a

hundred dollars a month. It was a hundred dollars a month. It was a different channel, like teaching different channel, like teaching different channel, like teaching channel. I was tutoring online a few channel. I was tutoring online a few channel. I was tutoring online a few hours a week bringing in nice extra hours a week bringing in nice extra hours a week bringing in nice extra income from that. The dividend layer, I income from that. The dividend layer, I income from that. The dividend layer, I broke it down in the portfolio video, broke it down in the portfolio video, broke it down in the portfolio video, but I think it was about I think I but I think it was about I think I but I think it was about I think I capped 40% in index funds. I don't know, capped 40% in index funds. I don't know, capped 40% in index funds. I don't know, I can't remember exactly. Watch the I can't remember exactly. Watch the I can't remember exactly. Watch the other video. I didn't wait until after I other video. I didn't wait until after I other video. I didn't wait until after I retired to figure out how I generate retired to figure out how I generate retired to figure out how I generate cash is the basic thing. By the time I cash is the basic thing. By the time I cash is the basic thing. By the time I walked away, I had multiple streams, walked away, I had multiple streams, walked away, I had multiple streams, multiple layers already running, already multiple layers already running, already multiple layers already running, already covering a good to entire portion of my covering a good to entire portion of my covering a good to entire portion of my burn rate, which was tiny. It was only burn rate, which was tiny. It was only burn rate, which was tiny. It was only $40 a day. This is the single best thing $40 a day. This is the single best thing $40 a day. This is the single best thing I did, the single most important thing. I did, the single most important thing. I did, the single most important thing. Retiring into multiple income streams Retiring into multiple income streams Retiring into multiple income streams that already work is a completely that already work is a completely that already work is a completely different experience from retiring FIRE different experience from retiring FIRE different experience from retiring FIRE style and hoping you can just live on style and hoping you can just live on style and hoping you can just live on that 4% forever. Build the multiple that 4% forever. Build the multiple that 4% forever. Build the multiple streams while you still have a salary as streams while you still have a salary as streams while you still have a salary as a backdrop, especially if they're a backdrop, especially if they're a backdrop, especially if they're online, especially if they're location online, especially if they're location online, especially if they're location independent. I cannot stress this independent. I cannot stress this independent. I cannot stress this enough. The version of me that quit my enough. The version of me that quit my enough. The version of me that quit my job and then tried to build a YouTube job and then tried to build a YouTube job and then tried to build a YouTube channel from zero with the clock ticking channel from zero with the clock ticking channel from zero with the clock ticking would have been stressed out and been would have been stressed out and been would have been stressed out and been making fear-based decisions, chasing making fear-based decisions, chasing making fear-based decisions, chasing views, taking bad sponsorships, views, taking bad sponsorships, views, taking bad sponsorships, panicking on every bad post, every bad panicking on every bad post, every bad panicking on every bad post, every bad video. You know, the version of me that video. You know, the version of me that video. You know, the version of me that built this channel and the membership built this channel and the membership built this channel and the membership and the digital products over the last 2 and the digital products over the last 2 and the digital products over the last 2 and 1/2 years or so was just making and 1/2 years or so was just making and 1/2 years or so was just making calm, long-term, steady Eddie type calm, long-term, steady Eddie type calm, long-term, steady Eddie type decisions because my rent was never decisions because my rent was never decisions because my rent was never riding on this. I was never worried riding on this. I was never worried riding on this. I was never worried about it. Build the boat before you step about it. Build the boat before you step about it. Build the boat before you step off the dock, folks. By the time my off the dock, folks. By the time my off the dock, folks. By the time my salaries dropped, my income streams salaries dropped, my income streams salaries dropped, my income streams weren't a hope or a dream, they were weren't a hope or a dream, they were weren't a hope or a dream, they were real and I would suggest you do the same

real and I would suggest you do the same real and I would suggest you do the same before you move abroad or retire early. before you move abroad or retire early. before you move abroad or retire early. Third, I got the infrastructure set up Third, I got the infrastructure set up Third, I got the infrastructure set up while I still had the energy and the while I still had the energy and the while I still had the energy and the paperwork access of being employed. You paperwork access of being employed. You paperwork access of being employed. You know, banking through Wise and the local know, banking through Wise and the local know, banking through Wise and the local accounts, the currency buffer and my accounts, the currency buffer and my accounts, the currency buffer and my emergency accounts, the address emergency accounts, the address emergency accounts, the address arrangements, the tax setup with proper arrangements, the tax setup with proper arrangements, the tax setup with proper expat accounting. Some of this is expat accounting. Some of this is expat accounting. Some of this is genuinely easier to do while you're genuinely easier to do while you're genuinely easier to do while you're still employed. Same with health still employed. Same with health still employed. Same with health insurance stuff, you know, you still insurance stuff, you know, you still insurance stuff, you know, you still have certain documents and proofs of have certain documents and proofs of have certain documents and proofs of incomes. I front-loaded all of that into incomes. I front-loaded all of that into incomes. I front-loaded all of that into the last year. Don't leave the boring the last year. Don't leave the boring the last year. Don't leave the boring infrastructure stuff for after you've infrastructure stuff for after you've infrastructure stuff for after you've left. Some doors are just much easier to left. Some doors are just much easier to left. Some doors are just much easier to walk through before you quit, not after. walk through before you quit, not after. walk through before you quit, not after. Changing your address, stuff like that. Changing your address, stuff like that. Changing your address, stuff like that. Concrete example, right? Opening certain Concrete example, right? Opening certain Concrete example, right? Opening certain accounts and getting certain approvals accounts and getting certain approvals accounts and getting certain approvals is dramatically easier when you can show is dramatically easier when you can show is dramatically easier when you can show an employment letter or a steady salary an employment letter or a steady salary an employment letter or a steady salary than when you're self-employed early than when you're self-employed early than when you're self-employed early retiree with weird small variable retiree with weird small variable retiree with weird small variable incomes on papers. Lenders, banks, incomes on papers. Lenders, banks, incomes on papers. Lenders, banks, health insurance, everything, they all health insurance, everything, they all health insurance, everything, they all love to see your pay slip, buddy, and love to see your pay slip, buddy, and love to see your pay slip, buddy, and they get nervous if you're a retired they get nervous if you're a retired they get nervous if you're a retired YouTuber. So, front-load everything, YouTuber. So, front-load everything, YouTuber. So, front-load everything, benefit from you looking like a benefit from you looking like a benefit from you looking like a conventional still employed person on conventional still employed person on conventional still employed person on paper and use that window to look paper and use that window to look paper and use that window to look conventional. Once you quit, you've conventional. Once you quit, you've conventional. Once you quit, you've quietly downgraded your own quietly downgraded your own quietly downgraded your own creditworthiness. It's real in the eyes creditworthiness. It's real in the eyes creditworthiness. It's real in the eyes of every single institution, even if of every single institution, even if of every single institution, even if you're actually more financially secure you're actually more financially secure you're actually more financially secure than you were before because you've than you were before because you've than you were before because you've moved abroad. Do the paperwork while you moved abroad. Do the paperwork while you moved abroad. Do the paperwork while you still look like what the forms expect.

still look like what the forms expect. still look like what the forms expect. This can be the same if you're planning This can be the same if you're planning This can be the same if you're planning a house or condo sale. There might be a house or condo sale. There might be a house or condo sale. There might be certain things you want to do before you certain things you want to do before you certain things you want to do before you sell the house or the condo when you sell the house or the condo when you sell the house or the condo when you still have that big asset which, you still have that big asset which, you still have that big asset which, you know, everyone is going to think is know, everyone is going to think is know, everyone is going to think is great on paper. Fourth, clarify your tax great on paper. Fourth, clarify your tax great on paper. Fourth, clarify your tax situation with a specialist before you situation with a specialist before you situation with a specialist before you change your working status. This is so change your working status. This is so change your working status. This is so important. It's getting probably its own important. It's getting probably its own important. It's getting probably its own full video eventually, but in the last full video eventually, but in the last full video eventually, but in the last year I made sure I understood exactly year I made sure I understood exactly year I made sure I understood exactly what my tax obligations would be here, what my tax obligations would be here, what my tax obligations would be here, back home, etc. Once I transition from a back home, etc. Once I transition from a back home, etc. Once I transition from a full-time employee paying full-time full-time employee paying full-time full-time employee paying full-time taxes to a portfolio and side hustle taxes to a portfolio and side hustle taxes to a portfolio and side hustle across borders person. The worst time to across borders person. The worst time to across borders person. The worst time to discover problem is after you've made an discover problem is after you've made an discover problem is after you've made an irreversible financial choice. I found irreversible financial choice. I found irreversible financial choice. I found out before while I could still plan out before while I could still plan out before while I could still plan around it. Basically, I hired an around it. Basically, I hired an around it. Basically, I hired an accountant here on the ground in accountant here on the ground in accountant here on the ground in Vietnam. They walked me through my Vietnam. They walked me through my Vietnam. They walked me through my status, what I'd owe when, which status, what I'd owe when, which status, what I'd owe when, which accounts need to restructuring, etc. accounts need to restructuring, etc. accounts need to restructuring, etc. etc. And what the timing implications etc. And what the timing implications etc. And what the timing implications were and a couple of those things were and a couple of those things were and a couple of those things genuinely changed decisions I'd genuinely changed decisions I'd genuinely changed decisions I'd otherwise have made wrong. And I otherwise have made wrong. And I otherwise have made wrong. And I actually got a return. I got money back actually got a return. I got money back actually got a return. I got money back when I quit my job here in Vietnam. So, when I quit my job here in Vietnam. So, when I quit my job here in Vietnam. So, that was great. And that conversation that was great. And that conversation that was great. And that conversation was only like literally a couple hundred was only like literally a couple hundred was only like literally a couple hundred bucks and some of the best money I've bucks and some of the best money I've bucks and some of the best money I've ever spent. Because the alternative is ever spent. Because the alternative is ever spent. Because the alternative is discovering like, you know, a five, six discovering like, you know, a five, six discovering like, you know, a five, six figure surprise figure surprise figure surprise when it's too late. Again, I'm not going when it's too late. Again, I'm not going when it's too late. Again, I'm not going to go deep on tax cont in this video, to go deep on tax cont in this video, to go deep on tax cont in this video, but it will get its own video but it will get its own video but it will get its own video eventually. For the last year checklist eventually. For the last year checklist eventually. For the last year checklist though, this entry is in bold and I though, this entry is in bold and I though, this entry is in bold and I underlined it. The tax conversation done underlined it. The tax conversation done underlined it. The tax conversation done before you change anything else is

before you change anything else is before you change anything else is irreversible. It must happen. The first irreversible. It must happen. The first irreversible. It must happen. The first big surprise, how freaking hard it is big surprise, how freaking hard it is big surprise, how freaking hard it is mentally. The psychological shift. Even mentally. The psychological shift. Even mentally. The psychological shift. Even though the math is solid, your numbers though the math is solid, your numbers though the math is solid, your numbers are all solid. I knew I had the numbers. are all solid. I knew I had the numbers. are all solid. I knew I had the numbers. I run them a hundred times. Whenever I I run them a hundred times. Whenever I I run them a hundred times. Whenever I told people they thought I was batshit told people they thought I was batshit told people they thought I was batshit crazy. Like when I was at the lunch crazy. Like when I was at the lunch crazy. Like when I was at the lunch table in my last year of work telling table in my last year of work telling table in my last year of work telling people I was quitting and not getting a people I was quitting and not getting a people I was quitting and not getting a job, they like were seriously concerned job, they like were seriously concerned job, they like were seriously concerned for me. They thought I had mental health for me. They thought I had mental health for me. They thought I had mental health issues. I'm not making this up at all. issues. I'm not making this up at all. issues. I'm not making this up at all. People looked at me like literally like People looked at me like literally like People looked at me like literally like I was crazy. I was crazy. I was crazy. Then they would be like ask if I had a Then they would be like ask if I had a Then they would be like ask if I had a million dollars or something or one of million dollars or something or one of million dollars or something or one of my parents died or I'd sold some house my parents died or I'd sold some house my parents died or I'd sold some house they didn't know about or what. I knew I they didn't know about or what. I knew I they didn't know about or what. I knew I could do it and I still found that could do it and I still found that could do it and I still found that transition from earning to not earning transition from earning to not earning transition from earning to not earning genuinely disorienting. You know, when genuinely disorienting. You know, when genuinely disorienting. You know, when for 20-plus years, 30 years, money for 20-plus years, 30 years, money for 20-plus years, 30 years, money arrives on the schedule, it can be the arrives on the schedule, it can be the arrives on the schedule, it can be the foundation of your sense of security, foundation of your sense of security, foundation of your sense of security, that water cooler moment, you know, that water cooler moment, you know, that water cooler moment, you know, where you have peers who are doing the where you have peers who are doing the where you have peers who are doing the same thing. Even though you have I had same thing. Even though you have I had same thing. Even though you have I had multiple income streams, I had a small multiple income streams, I had a small multiple income streams, I had a small portfolio, something in me had to be portfolio, something in me had to be portfolio, something in me had to be rewired. I not budgeted for how strange rewired. I not budgeted for how strange rewired. I not budgeted for how strange it would feel to watch everyone's it would feel to watch everyone's it would feel to watch everyone's reaction to the life choices you're reaction to the life choices you're reaction to the life choices you're making. I'm sure of you feel this way making. I'm sure of you feel this way making. I'm sure of you feel this way with friends, with family back home.

with friends, with family back home. with friends, with family back home. But for a couple decades, the But for a couple decades, the But for a couple decades, the relationship was simple, right? I work, relationship was simple, right? I work, relationship was simple, right? I work, money arrived, I identified based on my money arrived, I identified based on my money arrived, I identified based on my own career. The people I introduced own career. The people I introduced own career. The people I introduced myself to understood who I was and what myself to understood who I was and what myself to understood who I was and what I was about based on my job, my earning, I was about based on my job, my earning, I was about based on my job, my earning, basically my CV and resume. And it's all basically my CV and resume. And it's all basically my CV and resume. And it's all automatic and emotionally invisible. automatic and emotionally invisible. automatic and emotionally invisible. Once it stops, the absence of the Once it stops, the absence of the Once it stops, the absence of the automatic cash deposit, the absence of automatic cash deposit, the absence of automatic cash deposit, the absence of the automatic identification of who you the automatic identification of who you the automatic identification of who you are. Logically, my income streams that I are. Logically, my income streams that I are. Logically, my income streams that I made online were covering the burn rate, made online were covering the burn rate, made online were covering the burn rate, and the portfolio was sound, but and the portfolio was sound, but and the portfolio was sound, but emotionally, some deep animal part of my emotionally, some deep animal part of my emotionally, some deep animal part of my brain kept waiting brain kept waiting brain kept waiting for an income stream and an identity for an income stream and an identity for an income stream and an identity that was just gone, that I'd left that was just gone, that I'd left that was just gone, that I'd left behind. You know, I have my own behind. You know, I have my own behind. You know, I have my own structure, rather than the outside structure, rather than the outside structure, rather than the outside impetus of a schedule J O B job impetus of a schedule J O B job impetus of a schedule J O B job schedule. The rewiring took a long time, schedule. The rewiring took a long time, schedule. The rewiring took a long time, and no amount of math changed it, uh and no amount of math changed it, uh and no amount of math changed it, uh because it's not a money problem. It's because it's not a money problem. It's because it's not a money problem. It's like a nervous system psychosomatic like a nervous system psychosomatic like a nervous system psychosomatic problem. It's a psychosomatic problem. problem. It's a psychosomatic problem. problem. It's a psychosomatic problem. Second big surprise, again, it's this Second big surprise, again, it's this Second big surprise, again, it's this identity question. Who am I if I'm not a identity question. Who am I if I'm not a identity question. Who am I if I'm not a teacher? I've been a teacher for my teacher? I've been a teacher for my teacher? I've been a teacher for my entire adult life. The first time I entire adult life. The first time I entire adult life. The first time I taught, honestly, was as like a camp taught, honestly, was as like a camp taught, honestly, was as like a camp counselor as a teenager. So, I've been counselor as a teenager. So, I've been counselor as a teenager. So, I've been just used to being an educator, and just used to being an educator, and just used to being an educator, and that's probably why I'm still doing it that's probably why I'm still doing it that's probably why I'm still doing it now with you guys on YouTube, because I now with you guys on YouTube, because I now with you guys on YouTube, because I don't know how to do anything else. It's don't know how to do anything else. It's don't know how to do anything else. It's how I introduce myself, it's how I how I introduce myself, it's how I how I introduce myself, it's how I understood myself, it's how I I myself understood myself, it's how I I myself understood myself, it's how I I myself and think of myself as a useful person, and think of myself as a useful person, and think of myself as a useful person, and it's ultimately how I structure my and it's ultimately how I structure my and it's ultimately how I structure my days and my years. So, when I stopped days and my years. So, when I stopped days and my years. So, when I stopped when I stopped having that September to when I stopped having that September to when I stopped having that September to June schedule, I had to confront the

June schedule, I had to confront the June schedule, I had to confront the fact that a huge part of my identity had fact that a huge part of my identity had fact that a huge part of my identity had basically been outsourced to an basically been outsourced to an basically been outsourced to an industry. And now that that job's gone, industry. And now that that job's gone, industry. And now that that job's gone, I needed to rebuild and restructure my I needed to rebuild and restructure my I needed to rebuild and restructure my identity. Uh and it did catch me off identity. Uh and it did catch me off identity. Uh and it did catch me off guard, right? I still sometimes message guard, right? I still sometimes message guard, right? I still sometimes message my teacher buddies on like Friday my teacher buddies on like Friday my teacher buddies on like Friday afternoon being like, "Hey, you guys afternoon being like, "Hey, you guys afternoon being like, "Hey, you guys going for a beer? Huh? Huh?" Cuz I want going for a beer? Huh? Huh?" Cuz I want going for a beer? Huh? Huh?" Cuz I want to take part in it, right? I I still to take part in it, right? I I still to take part in it, right? I I still want to be one of the gang. So, I want to be one of the gang. So, I want to be one of the gang. So, I planned my money down to the dollar, planned my money down to the dollar, planned my money down to the dollar, man, but I hadn't really spent a minute man, but I hadn't really spent a minute man, but I hadn't really spent a minute planning psychologically on how to be planning psychologically on how to be planning psychologically on how to be prepared for the sort of aimlessnessness prepared for the sort of aimlessnessness prepared for the sort of aimlessnessness of free I I mean, maybe another way to of free I I mean, maybe another way to of free I I mean, maybe another way to say this is the unbearable lightness of say this is the unbearable lightness of say this is the unbearable lightness of being, right? It's an old novel, but being, right? It's an old novel, but being, right? It's an old novel, but this idea that once you have things that this idea that once you have things that this idea that once you have things that don't tether you down, you can basically don't tether you down, you can basically don't tether you down, you can basically float up away into nothingness, into the float up away into nothingness, into the float up away into nothingness, into the ether. Whatever, it doesn't matter how ether. Whatever, it doesn't matter how ether. Whatever, it doesn't matter how strange it is to say. I'd modeled strange it is to say. I'd modeled strange it is to say. I'd modeled withdrawal rates across 30-year withdrawal rates across 30-year withdrawal rates across 30-year scenarios. I'd stress tested portfolio scenarios. I'd stress tested portfolio scenarios. I'd stress tested portfolio against market crashes. I built these against market crashes. I built these against market crashes. I built these multiple income streams that were online multiple income streams that were online multiple income streams that were online and location independent, but truly I and location independent, but truly I and location independent, but truly I had done zero prep for the most had done zero prep for the most had done zero prep for the most predictable thing imaginable, right?

predictable thing imaginable, right? predictable thing imaginable, right? That being defined by my job and then That being defined by my job and then That being defined by my job and then waking up without it left me feeling waking up without it left me feeling waking up without it left me feeling unmoored. And that sense of self unmoored. And that sense of self unmoored. And that sense of self just was something I had to give up on just was something I had to give up on just was something I had to give up on it. I had to build a new self. So, the it. I had to build a new self. So, the it. I had to build a new self. So, the third prefer surprise now is that third prefer surprise now is that third prefer surprise now is that portfolio volatility portfolio volatility portfolio volatility feels completely different once it's feels completely different once it's feels completely different once it's retirement money and you're not, you retirement money and you're not, you retirement money and you're not, you know, dollar cost automatic investing know, dollar cost automatic investing know, dollar cost automatic investing average investing into the principal, average investing into the principal, average investing into the principal, right? The same market swings, the noise right? The same market swings, the noise right? The same market swings, the noise that I shrug off for years and don't that I shrug off for years and don't that I shrug off for years and don't look at cuz I'm just accumulating and look at cuz I'm just accumulating and look at cuz I'm just accumulating and going up into the right. Suddenly, they going up into the right. Suddenly, they going up into the right. Suddenly, they feel personal, threatening, scary cuz feel personal, threatening, scary cuz feel personal, threatening, scary cuz they're moving your your final line, they're moving your your final line, they're moving your your final line, your final life support. Your your life your final life support. Your your life your final life support. Your your life support is no longer your job. It's you. support is no longer your job. It's you. support is no longer your job. It's you. And for me, my backstop is a portfolio. And for me, my backstop is a portfolio. And for me, my backstop is a portfolio. So, I had to learn in real time to sit So, I had to learn in real time to sit So, I had to learn in real time to sit with volatility without panicking. Read with volatility without panicking. Read with volatility without panicking. Read a lot of Nassim Taleb, Taleb Nassim, a lot of Nassim Taleb, Taleb Nassim, a lot of Nassim Taleb, Taleb Nassim, whatever his name is. Uh that helped, whatever his name is. Uh that helped, whatever his name is. Uh that helped, you know, the barbell guy. The trick you know, the barbell guy. The trick you know, the barbell guy. The trick that eventually worked though wasn't a that eventually worked though wasn't a that eventually worked though wasn't a mindset hack. It was just watching the mindset hack. It was just watching the mindset hack. It was just watching the structure actually hold, right? The structure actually hold, right? The structure actually hold, right? The first time the market dropped and the first time the market dropped and the first time the market dropped and the dividend still landed, the income stream dividend still landed, the income stream dividend still landed, the income stream still covered the month's rent, and I still covered the month's rent, and I still covered the month's rent, and I didn't have to sell anything, the fear didn't have to sell anything, the fear didn't have to sell anything, the fear just starts to ease off. The second just starts to ease off. The second just starts to ease off. The second time, more, right? By the time I'd seen time, more, right? By the time I'd seen time, more, right? By the time I'd seen the machine absorb the wobbles without the machine absorb the wobbles without the machine absorb the wobbles without me touching the core, volatility stops me touching the core, volatility stops me touching the core, volatility stops feeling like a threat to survival and feeling like a threat to survival and feeling like a threat to survival and started just feeling like, you know, bad started just feeling like, you know, bad started just feeling like, you know, bad weather or whatever, seasonal changes.

weather or whatever, seasonal changes. weather or whatever, seasonal changes. It's something that happens. I built to It's something that happens. I built to It's something that happens. I built to withstand it, so I don't have to react withstand it, so I don't have to react withstand it, so I don't have to react to it, but it still took about a year to it, but it still took about a year to it, but it still took about a year for that to normalize, you know, for me for that to normalize, you know, for me for that to normalize, you know, for me to stop like to stop like to stop like clicking away on my phone and looking at clicking away on my phone and looking at clicking away on my phone and looking at how much is it up yesterday, how much is how much is it up yesterday, how much is how much is it up yesterday, how much is it down. I see some YouTubers do this, it down. I see some YouTubers do this, it down. I see some YouTubers do this, and I kind of want to, but I think it's and I kind of want to, but I think it's and I kind of want to, but I think it's a bit of a trap to just like, "Where are a bit of a trap to just like, "Where are a bit of a trap to just like, "Where are my portfolios at this week?" my portfolios at this week?" my portfolios at this week?" Don't judge me if I start doing it, but Don't judge me if I start doing it, but Don't judge me if I start doing it, but I don't think it's actually mentally I don't think it's actually mentally I don't think it's actually mentally healthy to just check your portfolio or healthy to just check your portfolio or healthy to just check your portfolio or your bank account every single day. Wait your bank account every single day. Wait your bank account every single day. Wait 6 months, right? Week by week. If you're 6 months, right? Week by week. If you're 6 months, right? Week by week. If you're planning your own exit, that one is planning your own exit, that one is planning your own exit, that one is probably the honest companion to this probably the honest companion to this probably the honest companion to this one. The video is the year before, the one. The video is the year before, the one. The video is the year before, the one is the month after, right? And one is the month after, right? And one is the month after, right? And together they're the whole transition. together they're the whole transition. together they're the whole transition. It's not just the year before, it It's not just the year before, it It's not just the year before, it actually transitions into the days, the actually transitions into the days, the actually transitions into the days, the weeks that after. So, what would I do weeks that after. So, what would I do weeks that after. So, what would I do differently? I prefer prepare myself for differently? I prefer prepare myself for differently? I prefer prepare myself for the identity shift a little more the identity shift a little more the identity shift a little more deliberately as I prepared for the deliberately as I prepared for the deliberately as I prepared for the money. If I could run that last year money. If I could run that last year money. If I could run that last year again, I'd spend real time before again, I'd spend real time before again, I'd spend real time before quitting figuring out what my days and quitting figuring out what my days and quitting figuring out what my days and my schedule would be built around after my schedule would be built around after my schedule would be built around after I retired, what would give me a sense of I retired, what would give me a sense of I retired, what would give me a sense of purpose and usefulness once the job was purpose and usefulness once the job was purpose and usefulness once the job was gone. Took me a long time to figure out gone. Took me a long time to figure out gone. Took me a long time to figure out that doing this, you know, blogging or that doing this, you know, blogging or that doing this, you know, blogging or vlogging or whatever you want to call vlogging or whatever you want to call vlogging or whatever you want to call it, Vlogs two or three times a week, uh it, Vlogs two or three times a week, uh it, Vlogs two or three times a week, uh really helped me create a structure and really helped me create a structure and really helped me create a structure and identity to step into rather than avoid.

identity to step into rather than avoid. identity to step into rather than avoid. I I think of YouTube as a job or a I I think of YouTube as a job or a I I think of YouTube as a job or a career, but it has become part of my career, but it has become part of my career, but it has become part of my identity, part of my daily life identity, part of my daily life identity, part of my daily life schedule, part of what I wake up, look schedule, part of what I wake up, look schedule, part of what I wake up, look forward to, and do is making these forward to, and do is making these forward to, and do is making these videos, is communicating with you guys. videos, is communicating with you guys. videos, is communicating with you guys. And it also helps that the the money And it also helps that the the money And it also helps that the the money plan is excellent, right? So, the life plan is excellent, right? So, the life plan is excellent, right? So, the life plan was an afterthought, and that was plan was an afterthought, and that was plan was an afterthought, and that was backwards. If I were coaching my past backwards. If I were coaching my past backwards. If I were coaching my past self through that last year, I'd have self through that last year, I'd have self through that last year, I'd have him spend at least as much time on the him spend at least as much time on the him spend at least as much time on the questions of identity, of psychology, of questions of identity, of psychology, of questions of identity, of psychology, of psychosomatic issues as I would have psychosomatic issues as I would have psychosomatic issues as I would have portfolio and financial things, right? portfolio and financial things, right? portfolio and financial things, right? What does a Tuesday look like when What does a Tuesday look like when What does a Tuesday look like when you're unaccountable to people? What are you're unaccountable to people? What are you're unaccountable to people? What are you building for whom? Whom are you you building for whom? Whom are you you building for whom? Whom are you serving? Do you have a mission, a serving? Do you have a mission, a serving? Do you have a mission, a purpose? Where does that sense of being purpose? Where does that sense of being purpose? Where does that sense of being useful come from once it's not coming useful come from once it's not coming useful come from once it's not coming from a job? Those questions sound sort from a job? Those questions sound sort from a job? Those questions sound sort of soft next to withdrawal rate models of soft next to withdrawal rate models of soft next to withdrawal rate models and savings, but they are probably more and savings, but they are probably more and savings, but they are probably more determinative of whether your early determinative of whether your early determinative of whether your early retirement is going to be joyful or retirement is going to be joyful or retirement is going to be joyful or hollow. The money buys you the freedom, hollow. The money buys you the freedom, hollow. The money buys you the freedom, it does not tell you what to do with it it does not tell you what to do with it it does not tell you what to do with it ultimately, and a surprising number of ultimately, and a surprising number of ultimately, and a surprising number of people get the money right and the people get the money right and the people get the money right and the freedom wrong. I'd also done a bit freedom wrong. I'd also done a bit freedom wrong. I'd also done a bit softer, I think, of a wind down rather softer, I think, of a wind down rather softer, I think, of a wind down rather than a hard stop if I could. So, going than a hard stop if I could. So, going than a hard stop if I could. So, going from full-time to nothing overnight just from full-time to nothing overnight just from full-time to nothing overnight just made the transition a little more made the transition a little more made the transition a little more jarring than it needed to be. I actually jarring than it needed to be. I actually jarring than it needed to be. I actually probably would have like if we hadn't probably would have like if we hadn't probably would have like if we hadn't just moved So, we like went all in and just moved So, we like went all in and just moved So, we like went all in and moved to a beach at Hoi An and like moved to a beach at Hoi An and like moved to a beach at Hoi An and like rented a villa with a pool and we're rented a villa with a pool and we're rented a villa with a pool and we're just like gone. And I think staying in just like gone. And I think staying in just like gone. And I think staying in the same city in Ho Chi Minh would have the same city in Ho Chi Minh would have the same city in Ho Chi Minh would have been a better decision, and I could have been a better decision, and I could have been a better decision, and I could have just like continued on as a substitute just like continued on as a substitute just like continued on as a substitute teacher, done some coaching, or like, teacher, done some coaching, or like, teacher, done some coaching, or like, right? One Friday I was a teacher with a

right? One Friday I was a teacher with a right? One Friday I was a teacher with a full schedule, the next Monday I was a full schedule, the next Monday I was a full schedule, the next Monday I was a nobody with an empty calendar. I think nobody with an empty calendar. I think nobody with an empty calendar. I think it would have been better if I'd stayed it would have been better if I'd stayed it would have been better if I'd stayed connected community-wise to some sort of connected community-wise to some sort of connected community-wise to some sort of teaching or coaching um teaching or coaching um teaching or coaching um you know, even just as like a a soccer you know, even just as like a a soccer you know, even just as like a a soccer coach or doing in-person tutoring, coach or doing in-person tutoring, coach or doing in-person tutoring, something to keep me a bit grounded cuz something to keep me a bit grounded cuz something to keep me a bit grounded cuz the change is such a lot to absorb, and the change is such a lot to absorb, and the change is such a lot to absorb, and I think a gradual reaction, if your I think a gradual reaction, if your I think a gradual reaction, if your situation allows it, gives your situation allows it, gives your situation allows it, gives your psychology time to adjust to the new psychology time to adjust to the new psychology time to adjust to the new you, the new step, the new life. Not you, the new step, the new life. Not you, the new step, the new life. Not everyone can do that. I get it. Some everyone can do that. I get it. Some everyone can do that. I get it. Some people just want to rip the band-aid people just want to rip the band-aid people just want to rip the band-aid off. Uh but if you can, I think it's off. Uh but if you can, I think it's off. Uh but if you can, I think it's gentler than the sort of stepping off gentler than the sort of stepping off gentler than the sort of stepping off the edge of the cliff, taking the big the edge of the cliff, taking the big the edge of the cliff, taking the big leap. I went from a full-time teaching leap. I went from a full-time teaching leap. I went from a full-time teaching load to a hard stop. And the suddenness load to a hard stop. And the suddenness load to a hard stop. And the suddenness of it really amplified everything along of it really amplified everything along of it really amplified everything along with the changing location, the identity with the changing location, the identity with the changing location, the identity vertigo, the strange empty mornings, the vertigo, the strange empty mornings, the vertigo, the strange empty mornings, the volatility nerves all arrived at once volatility nerves all arrived at once volatility nerves all arrived at once instead of one at a time. It was instead of one at a time. It was instead of one at a time. It was stressful for our family. If your stressful for our family. If your stressful for our family. If your situation allows you to drop part-time situation allows you to drop part-time situation allows you to drop part-time first or take a long leave before the first or take a long leave before the first or take a long leave before the final decision, or to keep consulting or final decision, or to keep consulting or final decision, or to keep consulting or keep doing what you do partially, keep doing what you do partially, keep doing what you do partially, part-time, online, I think that's a part-time, online, I think that's a part-time, online, I think that's a great idea to phase out over a term of a great idea to phase out over a term of a great idea to phase out over a term of a few years rather than ending it on a few years rather than ending it on a few years rather than ending it on a single day, I would do that. The gentler single day, I would do that. The gentler single day, I would do that. The gentler ease off path. The psychology adjust ease off path. The psychology adjust ease off path. The psychology adjust much better to a ramp than to a sudden much better to a ramp than to a sudden much better to a ramp than to a sudden cliff. So, where I just took the leap cliff. So, where I just took the leap cliff. So, where I just took the leap and survived and was fine, I would and survived and was fine, I would and survived and was fine, I would absolutely build myself a slow off-ramp absolutely build myself a slow off-ramp absolutely build myself a slow off-ramp staircase if I could run it again. I'd staircase if I could run it again. I'd staircase if I could run it again. I'd have talked to more people who'd already have talked to more people who'd already have talked to more people who'd already done it. Definitely watch more videos. I done it. Definitely watch more videos. I done it. Definitely watch more videos. I went into my last year with the numbers, went into my last year with the numbers, went into my last year with the numbers, but without enough conversation with but without enough conversation with but without enough conversation with real people who'd actually been through

real people who'd actually been through real people who'd actually been through the transition. It's one of the reason the transition. It's one of the reason the transition. It's one of the reason why I started doing the expat interviews why I started doing the expat interviews why I started doing the expat interviews on my other channel. I wanted to talk on my other channel. I wanted to talk on my other channel. I wanted to talk all this stuff out with more and more all this stuff out with more and more all this stuff out with more and more people. And the more people I've talked people. And the more people I've talked people. And the more people I've talked to and interviewed, the more comfortable to and interviewed, the more comfortable to and interviewed, the more comfortable I am with my decision cuz I now have I am with my decision cuz I now have I am with my decision cuz I now have social network and community and social network and community and social network and community and knowledge of other people who've also knowledge of other people who've also knowledge of other people who've also made this choice made this choice made this choice and nothing's happened. They're fine. and nothing's happened. They're fine. and nothing's happened. They're fine. They love their life. They haven't gone They love their life. They haven't gone They love their life. They haven't gone crazy, right? So, the emotional and crazy, right? So, the emotional and crazy, right? So, the emotional and identity stuff, I really needed to hear identity stuff, I really needed to hear identity stuff, I really needed to hear from other expats, other people who'd from other expats, other people who'd from other expats, other people who'd lived it, who retired abroad, who lived lived it, who retired abroad, who lived lived it, who retired abroad, who lived here. I underestimated how much that here. I underestimated how much that here. I underestimated how much that would help, how much harder I made it by would help, how much harder I made it by would help, how much harder I made it by trying to figure it out alone. I was trying to figure it out alone. I was trying to figure it out alone. I was basically planning this all like in basically planning this all like in basically planning this all like in secret, you know, by myself. So, there's secret, you know, by myself. So, there's secret, you know, by myself. So, there's a particular kind of loneliness to a particular kind of loneliness to a particular kind of loneliness to making a really unconventional decision, making a really unconventional decision, making a really unconventional decision, right? To deciding to be an outlier and right? To deciding to be an outlier and right? To deciding to be an outlier and different from all the people around different from all the people around different from all the people around you, and they're not going to fully you, and they're not going to fully you, and they're not going to fully understand it. Um luckily, my family, my understand it. Um luckily, my family, my understand it. Um luckily, my family, my wife was very supportive, but people wife was very supportive, but people wife was very supportive, but people back home were still just like baffled. back home were still just like baffled. back home were still just like baffled. They don't get it. My colleagues thought They don't get it. My colleagues thought They don't get it. My colleagues thought I was either brave or reckless or nuts I was either brave or reckless or nuts I was either brave or reckless or nuts or somewhere in between. And what I or somewhere in between. And what I or somewhere in between. And what I needed and didn't have was a handful of needed and didn't have was a handful of needed and didn't have was a handful of people who'd already walked through the people who'd already walked through the people who'd already walked through the exact door and could say calmly, "Yes, exact door and could say calmly, "Yes, exact door and could say calmly, "Yes, the vertigo is normal. The identity the vertigo is normal. The identity the vertigo is normal. The identity thing hits everyone. Yes, it passes thing hits everyone. Yes, it passes thing hits everyone. Yes, it passes around 6 months, 12 months. You know, around 6 months, 12 months. You know, around 6 months, 12 months. You know, here's what helped me." I had to here's what helped me." I had to here's what helped me." I had to discover all that by myself in real discover all that by myself in real discover all that by myself in real time, and it was stressful. It would time, and it was stressful. It would time, and it was stressful. It would have been much easier with a few guides have been much easier with a few guides have been much easier with a few guides who'd been there. So, that's the gap I who'd been there. So, that's the gap I who'd been there. So, that's the gap I most wish I could go back and close. And most wish I could go back and close. And most wish I could go back and close. And that last point is the one I want to sit that last point is the one I want to sit that last point is the one I want to sit on for a second because it's where the on for a second because it's where the on for a second because it's where the whole thing gets real. The financial whole thing gets real. The financial whole thing gets real. The financial side of retiring abroad early, you can side of retiring abroad early, you can side of retiring abroad early, you can largely learn from this kind of content.

largely learn from this kind of content. largely learn from this kind of content. The numbers are knowable. The frameworks The numbers are knowable. The frameworks The numbers are knowable. The frameworks are teachable. But the last year, the are teachable. But the last year, the are teachable. But the last year, the actual transition, the emotional actual transition, the emotional actual transition, the emotional identity timing decisions that are identity timing decisions that are identity timing decisions that are specific to your life, your family, your specific to your life, your family, your specific to your life, your family, your situation, situation, situation, that part's probably a lot harder to that part's probably a lot harder to that part's probably a lot harder to navigate from a YouTube video, even a navigate from a YouTube video, even a navigate from a YouTube video, even a good one like this. The frameworks are good one like this. The frameworks are good one like this. The frameworks are general by nature, right? So, your last general by nature, right? So, your last general by nature, right? So, your last year's specific to your family, your year's specific to your family, your year's specific to your family, your finances, your timeline, your location, finances, your timeline, your location, finances, your timeline, your location, your temperament. The part that benefits your temperament. The part that benefits your temperament. The part that benefits enormously from real conversation, from enormously from real conversation, from enormously from real conversation, from a real person who's really been through a real person who's really been through a real person who's really been through it and can look at your specific it and can look at your specific it and can look at your specific circumstances, tell of which of these circumstances, tell of which of these circumstances, tell of which of these surprises might hit you the hardest. I surprises might hit you the hardest. I surprises might hit you the hardest. I didn't have that, and I made it harder didn't have that, and I made it harder didn't have that, and I made it harder than I had to. So, if you're on your own than I had to. So, if you're on your own than I had to. So, if you're on your own and you want my help, of course, jump and you want my help, of course, jump and you want my help, of course, jump into the membership. So, of course, if into the membership. So, of course, if into the membership. So, of course, if you're trying to do this on your own, you're trying to do this on your own, you're trying to do this on your own, you feel like you need help, no worries. you feel like you need help, no worries. you feel like you need help, no worries. Jump in the membership costanabroad.com. Jump in the membership costanabroad.com. Jump in the membership costanabroad.com. You can watch all of my consults and You can watch all of my consults and You can watch all of my consults and streams and live streams with other streams and live streams with other streams and live streams with other people who've done the same thing as people who've done the same thing as people who've done the same thing as you. Trust me, there's plenty of you out you. Trust me, there's plenty of you out you. Trust me, there's plenty of you out there doing the same thing, trying to there doing the same thing, trying to there doing the same thing, trying to make it all happen, and I'm trying to make it all happen, and I'm trying to make it all happen, and I'm trying to help as many of you as I can. Of course, help as many of you as I can. Of course, help as many of you as I can. Of course, make sure to like, share, subscribe the make sure to like, share, subscribe the make sure to like, share, subscribe the video. I'm Ever Abroad Retiring in video. I'm Ever Abroad Retiring in video. I'm Ever Abroad Retiring in Vietnam. You watch this one on Vietnam. You watch this one on Vietnam. You watch this one on the real reasons I'm never going to go the real reasons I'm never going to go the real reasons I'm never going to go back or this one on some of the back or this one on some of the back or this one on some of the budgeting and financial side of retiring budgeting and financial side of retiring budgeting and financial side of retiring early abroad. Take care.