Quit Now! You're Rich Enough to Retire in Vietnam.

Okay, welcome back to Saigon Vietnam. Okay, 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. Today we're talking about one of my Today we're talking about one of my Today we're talking about one of my favorite subjects, which is money. No, favorite subjects, which is money. No, favorite subjects, which is money. No, it's retiring early abroad and basically it's retiring early abroad and basically it's retiring early abroad and basically why so many people screw up the math, why so many people screw up the math, why so many people screw up the math, get the numbers wrong. Was reading a get the numbers wrong. Was reading a get the numbers wrong. Was reading a book recently called Die with Zero. The book recently called Die with Zero. The book recently called Die with Zero. The basic premise is that the vast majority basic premise is that the vast majority basic premise is that the vast majority of Americans, of retirees, of older of Americans, of retirees, of older of Americans, of retirees, of older people, they die with the highest net people, they die with the highest net people, they die with the highest net worth they ever have. You might think, worth they ever have. You might think, worth they ever have. You might think, "Oh, that's great. I don't want to die "Oh, that's great. I don't want to die "Oh, that's great. I don't want to die broke." No, it's actually terrible. It broke." No, it's actually terrible. It broke." No, it's actually terrible. It means you wasted years of your life and means you wasted years of your life and means you wasted years of your life and money, i.e. the energy that goes into money, i.e. the energy that goes into money, i.e. the energy that goes into earning your money, regardless of how earning your money, regardless of how earning your money, regardless of how you're doing that, what you're doing for you're doing that, what you're doing for you're doing that, what you're doing for work, goes wasted. You're going to say, work, goes wasted. You're going to say, work, goes wasted. You're going to say, "Ah, yeah, but I leave the money to my "Ah, yeah, but I leave the money to my "Ah, yeah, but I leave the money to my kids." No, [ __ ] that. Taxes, estate tax. kids." No, [ __ ] that. Taxes, estate tax. kids." No, [ __ ] that. Taxes, estate tax. If you really want to give your money to If you really want to give your money to If you really want to give your money to your kids, you can give it to them right your kids, you can give it to them right your kids, you can give it to them right now. You don't have to wait till they now. You don't have to wait till they now. You don't have to wait till they till you die to give them money when till you die to give them money when till you die to give them money when they're older. In fact, the younger you they're older. In fact, the younger you they're older. In fact, the younger you gift money to people, to children, to gift money to people, to children, to gift money to people, to children, to charities, the more effective it is. The charities, the more effective it is. The charities, the more effective it is. The basic premise is simple. You're probably basic premise is simple. You're probably basic premise is simple. You're probably richer than you think you are, and not richer than you think you are, and not richer than you think you are, and not in a motivational sense. in a real in a motivational sense. in a real in a motivational sense. in a real measurable look at the numbers, do the measurable look at the numbers, do the measurable look at the numbers, do the math sense, right? There's a very good math sense, right? There's a very good math sense, right? There's a very good chance that the amount you already have chance that the amount you already have chance that the amount you already have saved, the amount you told yourself saved, the amount you told yourself saved, the amount you told yourself you're not ready to retire on, you're you're not ready to retire on, you're you're not ready to retire on, you're afraid of is in fact already enough to afraid of is in fact already enough to afraid of is in fact already enough to retire on here in a city like this one, retire on here in a city like this one, retire on here in a city like this one, Ho Chi Min or in Daang or Quan or DAT or Ho Chi Min or in Daang or Quan or DAT or Ho Chi Min or in Daang or Quan or DAT or wherever it is you want to go, the

wherever it is you want to go, the wherever it is you want to go, the Philippines, Thailand. and your whole Philippines, Thailand. and your whole Philippines, Thailand. and your whole life you've been told you need to keep life you've been told you need to keep life you've been told you need to keep going, keep grinding, keep waiting for a going, keep grinding, keep waiting for a going, keep grinding, keep waiting for a number that in actual fact you may have number that in actual fact you may have number that in actual fact you may have passed years ago. Okay, that's the big passed years ago. Okay, that's the big passed years ago. Okay, that's the big claim. Let me be real about it. Um, claim. Let me be real about it. Um, claim. Let me be real about it. Um, before you know you rage quit or rage before you know you rage quit or rage before you know you rage quit or rage comment or whatever it is you're going comment or whatever it is you're going comment or whatever it is you're going to do. I'm not talking about being to do. I'm not talking about being to do. I'm not talking about being reckless. I don't want you to do that. reckless. I don't want you to do that. reckless. I don't want you to do that. What I'm saying, I'm not saying walk in What I'm saying, I'm not saying walk in What I'm saying, I'm not saying walk in your boss's office, freak out, you know, your boss's office, freak out, you know, your boss's office, freak out, you know, throw [ __ ] on the floor, go full office throw [ __ ] on the floor, go full office throw [ __ ] on the floor, go full office space. I'm not saying money doesn't space. I'm not saying money doesn't space. I'm not saying money doesn't matter and you should wing it. I'm not matter and you should wing it. I'm not matter and you should wing it. I'm not saying everybody watching it is a saying everybody watching it is a saying everybody watching it is a millionaire. I'm a data guy. I like millionaire. I'm a data guy. I like millionaire. I'm a data guy. I like numbers. I like the research. Yours are numbers. I like the research. Yours are numbers. I like the research. Yours are going to be different than mine. I going to be different than mine. I going to be different than mine. I definitely retired on a spreadsheet and definitely retired on a spreadsheet and definitely retired on a spreadsheet and on math, not in a vibe. What I'm saying on math, not in a vibe. What I'm saying on math, not in a vibe. What I'm saying is the number you think you need and you is the number you think you need and you is the number you think you need and you calculated is the wrong cost of living calculated is the wrong cost of living calculated is the wrong cost of living and it's the wrong peak. So what does and it's the wrong peak. So what does and it's the wrong peak. So what does that mean? It means your peak money that mean? It means your peak money that mean? It means your peak money should probably be depending on how old should probably be depending on how old should probably be depending on how old you are when you retire. You should not you are when you retire. You should not you are when you retire. You should not continue to accumulate money after you continue to accumulate money after you continue to accumulate money after you retire. Most of us don't need to do retire. Most of us don't need to do retire. Most of us don't need to do that. We can live comfortably in a place that. We can live comfortably in a place that. We can live comfortably in a place like Vietnam or Thailand or Cambodia or like Vietnam or Thailand or Cambodia or like Vietnam or Thailand or Cambodia or whatever a Panama or an Ecuador and it's whatever a Panama or an Ecuador and it's whatever a Panama or an Ecuador and it's okay if that number steadily shrinks for okay if that number steadily shrinks for okay if that number steadily shrinks for the rest of your life so long as you the rest of your life so long as you the rest of your life so long as you don't run out. And for a lot of you, don't run out. And for a lot of you, don't run out. And for a lot of you, even with a small portfolio, a 300K, a even with a small portfolio, a 300K, a even with a small portfolio, a 300K, a 600K, a whatever number, you know, you 600K, a whatever number, you know, you 600K, a whatever number, you know, you sell your house, you sell your condo, sell your house, you sell your condo, sell your house, you sell your condo, and that's it. You put that in the S&P

and that's it. You put that in the S&P and that's it. You put that in the S&P 500, and you're good to go for the rest 500, and you're good to go for the rest 500, and you're good to go for the rest of your life. Okay? I talk to people all of your life. Okay? I talk to people all of your life. Okay? I talk to people all the time who are worried about this. the time who are worried about this. the time who are worried about this. These are people who have savings and These are people who have savings and These are people who have savings and social security. Okay? Social security social security. Okay? Social security social security. Okay? Social security is enough. If you're 62, holy God, stop is enough. If you're 62, holy God, stop is enough. If you're 62, holy God, stop working. Please, for the love of God, working. Please, for the love of God, working. Please, for the love of God, for the love of your life, of yourself, for the love of your life, of yourself, for the love of your life, of yourself, okay? Cuz the number you actually need okay? Cuz the number you actually need okay? Cuz the number you actually need collapses when you move abroad and the collapses when you move abroad and the collapses when you move abroad and the geo arbitrage math changes. Wealth is geo arbitrage math changes. Wealth is geo arbitrage math changes. Wealth is always relative, right? And you've often always relative, right? And you've often always relative, right? And you've often been measuring it against the wrong yard been measuring it against the wrong yard been measuring it against the wrong yard stick. Think about what rich even means stick. Think about what rich even means stick. Think about what rich even means for a second. Rich isn't a number in an for a second. Rich isn't a number in an for a second. Rich isn't a number in an account. It's not a million dollars. account. It's not a million dollars. account. It's not a million dollars. Rich is having more than you need for Rich is having more than you need for Rich is having more than you need for the life you actually want to buy. A the life you actually want to buy. A the life you actually want to buy. A person with $300,000 who wants a life person with $300,000 who wants a life person with $300,000 who wants a life that costs $18,000 a year by any honest that costs $18,000 a year by any honest that costs $18,000 a year by any honest definition is richer than a person with definition is richer than a person with definition is richer than a person with a million dollars who wants a life that a million dollars who wants a life that a million dollars who wants a life that costs 80 or 100,000 a year because the costs 80 or 100,000 a year because the costs 80 or 100,000 a year because the first person is done and the second first person is done and the second first person is done and the second person is trapped. They still need to person is trapped. They still need to person is trapped. They still need to work, right? Wealth is the ratio between work, right? Wealth is the ratio between work, right? Wealth is the ratio between what you have and what your life costs. what you have and what your life costs. what you have and what your life costs. And you get to change the denominator by And you get to change the denominator by And you get to change the denominator by changing where you live. That's the changing where you live. That's the changing where you live. That's the whole trick.

whole trick. whole trick. That's the beauty of it, folks. Okay, so That's the beauty of it, folks. Okay, so That's the beauty of it, folks. Okay, so let's walk some more. Let me show you let's walk some more. Let me show you let's walk some more. Let me show you what I mean. Because I'm standing in the what I mean. Because I'm standing in the what I mean. Because I'm standing in the evidence right now in this neighborhood. evidence right now in this neighborhood. evidence right now in this neighborhood. I recently did an apartment tour. Took I recently did an apartment tour. Took I recently did an apartment tour. Took you to a bunch of apartments all over you to a bunch of apartments all over you to a bunch of apartments all over here. District 7, Fumihang, here. District 7, Fumihang, here. District 7, Fumihang, whatever. This is normal, pleasant, whatever. This is normal, pleasant, whatever. This is normal, pleasant, beautiful, functioning, green beautiful, functioning, green beautiful, functioning, green neighborhood in one of the biggest neighborhood in one of the biggest neighborhood in one of the biggest cities in Southeast Asia. You know, the cities in Southeast Asia. You know, the cities in Southeast Asia. You know, the apartment building that we started in apartment building that we started in apartment building that we started in front of, modern air conditioned front of, modern air conditioned front of, modern air conditioned security, a pool, tennis courts, a security, a pool, tennis courts, a security, a pool, tennis courts, a comfortable one-bedroom in that place, 6 comfortable one-bedroom in that place, 6 comfortable one-bedroom in that place, 6 or 700 US a month. We looked at two and or 700 US a month. We looked at two and or 700 US a month. We looked at two and three bedrooms in that exact building. three bedrooms in that exact building. three bedrooms in that exact building. That one right there. Uh, and they're That one right there. Uh, and they're That one right there. Uh, and they're running for 1,000, 1,200, 1,300. These running for 1,000, 1,200, 1,300. These running for 1,000, 1,200, 1,300. These are large places. We're talking about are large places. We're talking about are large places. We're talking about like 900 ft²,000t places. The coffee like 900 ft²,000t places. The coffee like 900 ft²,000t places. The coffee shop where I just left, people are shop where I just left, people are shop where I just left, people are working on laptops in the air working on laptops in the air working on laptops in the air conditioning. The coffee there is about conditioning. The coffee there is about conditioning. The coffee there is about a dollar. It's 35K, so about a $1.30. a dollar. It's 35K, so about a $1.30. a dollar. It's 35K, so about a $1.30. You know, when I was back home this You know, when I was back home this You know, when I was back home this summer, I was routinely playing $5 for summer, I was routinely playing $5 for summer, I was routinely playing $5 for an Americano, $8 for a cappuccino. You an Americano, $8 for a cappuccino. You an Americano, $8 for a cappuccino. You know, the place where I had lunch today, know, the place where I had lunch today, know, the place where I had lunch today, it was delicious. I literally ate uh it was delicious. I literally ate uh it was delicious. I literally ate uh scallops and crab omelette on top of scallops and crab omelette on top of scallops and crab omelette on top of rice. Okay, this is not like poverty rice. Okay, this is not like poverty rice. Okay, this is not like poverty living, folks. So, I'm eating [ __ ] living, folks. So, I'm eating [ __ ] living, folks. So, I'm eating [ __ ] scallops and crab for lunch. It was scallops and crab for lunch. It was scallops and crab for lunch. It was delicious. It cost $4. Uh, you know, delicious. It cost $4. Uh, you know, delicious. It cost $4. Uh, you know, these are beautiful, brand new EV cars these are beautiful, brand new EV cars these are beautiful, brand new EV cars made in Vietnam. FinFast. Uh, that's a made in Vietnam. FinFast. Uh, that's a made in Vietnam. FinFast. Uh, that's a Porsche from where I'm standing, right?

Porsche from where I'm standing, right? Porsche from where I'm standing, right? Yeah, Roger. That's a Porsche. This is Yeah, Roger. That's a Porsche. This is Yeah, Roger. That's a Porsche. This is not like people need to get it out of not like people need to get it out of not like people need to get it out of their heads that this is some sort of their heads that this is some sort of their heads that this is some sort of poverty lifestyle. It's just living in poverty lifestyle. It's just living in poverty lifestyle. It's just living in the Southern Hemisphere and living in the Southern Hemisphere and living in the Southern Hemisphere and living in Southeast Asia, right? None of this is Southeast Asia, right? None of this is Southeast Asia, right? None of this is deprivation. I want to be really clear deprivation. I want to be really clear deprivation. I want to be really clear about it because the assumption is baked about it because the assumption is baked about it because the assumption is baked into the idea that a cheap country means into the idea that a cheap country means into the idea that a cheap country means worse. It's not worse. Cheap isn't worse. It's not worse. Cheap isn't worse. It's not worse. Cheap isn't derogatory. Cheap to me means the price derogatory. Cheap to me means the price derogatory. Cheap to me means the price is less than the value. It's a deal, is less than the value. It's a deal, is less than the value. It's a deal, right? I eat better here than I did when right? I eat better here than I did when right? I eat better here than I did when I lived in San Francisco, Toronto. I I lived in San Francisco, Toronto. I I lived in San Francisco, Toronto. I have more space, more time, more have more space, more time, more have more space, more time, more freedom, better weather by a mile than freedom, better weather by a mile than freedom, better weather by a mile than Canada. Oh my god. Rent here is a Canada. Oh my god. Rent here is a Canada. Oh my god. Rent here is a fraction of what a worse apartment would fraction of what a worse apartment would fraction of what a worse apartment would cost in a place like Toronto, like cost in a place like Toronto, like cost in a place like Toronto, like Vancouver, you know, like Miami, even Vancouver, you know, like Miami, even Vancouver, you know, like Miami, even like Mexico City these days. A like Mexico City these days. A like Mexico City these days. A threebedroom in the building I live in threebedroom in the building I live in threebedroom in the building I live in runs for about 1,000 bucks, maybe 1,200 runs for about 1,000 bucks, maybe 1,200 runs for about 1,000 bucks, maybe 1,200 depending on how refurbished how nice it depending on how refurbished how nice it depending on how refurbished how nice it is. Either way, you're looking at a is. Either way, you're looking at a is. Either way, you're looking at a split of about 400 bucks per bedroom. split of about 400 bucks per bedroom. split of about 400 bucks per bedroom. I've never once in this city sat in a I've never once in this city sat in a I've never once in this city sat in a traffic logged car resenting my commute traffic logged car resenting my commute traffic logged car resenting my commute time and my work because I don't have time and my work because I don't have time and my work because I don't have to. Right? The math, simply put, is the to. Right? The math, simply put, is the to. Right? The math, simply put, is the only thing that's let me afford this only thing that's let me afford this only thing that's let me afford this lifestyle. It's handed me the ability to lifestyle. It's handed me the ability to lifestyle. It's handed me the ability to buy back the hours that the expensive buy back the hours that the expensive buy back the hours that the expensive version of my life back home used to version of my life back home used to version of my life back home used to eat. The life is not a downgrade that I eat. The life is not a downgrade that I eat. The life is not a downgrade that I tolerate to save money. It is by most of tolerate to save money. It is by most of tolerate to save money. It is by most of the measures I actually care about. A the measures I actually care about. A the measures I actually care about. A significant upgrade that happens to cost significant upgrade that happens to cost significant upgrade that happens to cost a quarter as much. I'm in fact very a quarter as much. I'm in fact very a quarter as much. I'm in fact very happy to be back here after spending a happy to be back here after spending a happy to be back here after spending a bunch of time in the hometown and in

bunch of time in the hometown and in bunch of time in the hometown and in North America visiting relatives this North America visiting relatives this North America visiting relatives this summer. The combination, the better summer. The combination, the better summer. The combination, the better life, the lower cost is the engine of life, the lower cost is the engine of life, the lower cost is the engine of this thing and ultimately why you should this thing and ultimately why you should this thing and ultimately why you should quit now, right? It feels almost quit now, right? It feels almost quit now, right? It feels almost illegal, almost ridiculous. It is a illegal, almost ridiculous. It is a illegal, almost ridiculous. It is a shock, cultural shock the first time you shock, cultural shock the first time you shock, cultural shock the first time you experienced it because everything in experienced it because everything in experienced it because everything in your upbringing taught you that better your upbringing taught you that better your upbringing taught you that better costs more. But things aren't garbage costs more. But things aren't garbage costs more. But things aren't garbage here, folks. These are brand new EV here, folks. These are brand new EV here, folks. These are brand new EV buses. All of them made in Vietnam. You buses. All of them made in Vietnam. You buses. All of them made in Vietnam. You know, the green revolution. Like this is know, the green revolution. Like this is know, the green revolution. Like this is literally Viet technology, Viet apps. literally Viet technology, Viet apps. literally Viet technology, Viet apps. The idea that like this place is living The idea that like this place is living The idea that like this place is living in the past is probably more in your in the past is probably more in your in the past is probably more in your head, right? The idea that cheaper means head, right? The idea that cheaper means head, right? The idea that cheaper means worse. You get what you pay for. That worse. You get what you pay for. That worse. You get what you pay for. That equation is deeply true back home where equation is deeply true back home where equation is deeply true back home where an extra thousand a month genuinely buys an extra thousand a month genuinely buys an extra thousand a month genuinely buys you a better apartment or a safer you a better apartment or a safer you a better apartment or a safer neighborhood. But it quietly stops being neighborhood. But it quietly stops being neighborhood. But it quietly stops being true when you cross into a different true when you cross into a different true when you cross into a different cost structure into a different cost structure into a different cost structure into a different currency. And the part of your brain currency. And the part of your brain currency. And the part of your brain that spent 40 years learning the old that spent 40 years learning the old that spent 40 years learning the old equation takes a long time to believe equation takes a long time to believe equation takes a long time to believe the new one. I debate endlessly the pros the new one. I debate endlessly the pros the new one. I debate endlessly the pros and cons of Thailand, Cambodia, Vietnam, and cons of Thailand, Cambodia, Vietnam, and cons of Thailand, Cambodia, Vietnam, Philippines. Well, [ __ ] folks. Here's Philippines. Well, [ __ ] folks. Here's Philippines. Well, [ __ ] folks. Here's the reality. They are all way cheaper the reality. They are all way cheaper the reality. They are all way cheaper than back home. Chances are you can than back home. Chances are you can than back home. Chances are you can retire a good 10 to 20 years earlier in retire a good 10 to 20 years earlier in retire a good 10 to 20 years earlier in any single one of these places relative any single one of these places relative any single one of these places relative to what it would cost to retire in to what it would cost to retire in to what it would cost to retire in Arizona.

Arizona. Arizona. Uh look, another old white fellow Uh look, another old white fellow Uh look, another old white fellow walking down the street. I swear I'm not walking down the street. I swear I'm not walking down the street. I swear I'm not the only one. Uh I've lived here for the only one. Uh I've lived here for the only one. Uh I've lived here for years. It still startles me. I still get years. It still startles me. I still get years. It still startles me. I still get the cultural shock value. But the real the cultural shock value. But the real the cultural shock value. But the real payoff, let me put the real number on payoff, let me put the real number on payoff, let me put the real number on it. A genuinely comfortable life here. it. A genuinely comfortable life here. it. A genuinely comfortable life here. The apartment, the food, the health The apartment, the food, the health The apartment, the food, the health care, a gym, a motorbike, your phone, care, a gym, a motorbike, your phone, care, a gym, a motorbike, your phone, your utilities, and money left over for your utilities, and money left over for your utilities, and money left over for travel, restaurants, and fun runs travel, restaurants, and fun runs travel, restaurants, and fun runs somewhere between 12 and $1,800 a month. somewhere between 12 and $1,800 a month. somewhere between 12 and $1,800 a month. We can call it 1,500 in the middle, but We can call it 1,500 in the middle, but We can call it 1,500 in the middle, but really what we're talking about is $40 really what we're talking about is $40 really what we're talking about is $40 to $60 a day for everything. Run that to $60 a day for everything. Run that to $60 a day for everything. Run that through your standard retirement math. through your standard retirement math. through your standard retirement math. The rule of thumb is you take your The rule of thumb is you take your The rule of thumb is you take your annual spending and you multiply it by annual spending and you multiply it by annual spending and you multiply it by 25 uh then.7. That is the portfolio that 25 uh then.7. That is the portfolio that 25 uh then.7. That is the portfolio that funds it indefinitely at a safe funds it indefinitely at a safe funds it indefinitely at a safe withdrawal rate. So you're looking at withdrawal rate. So you're looking at withdrawal rate. So you're looking at 1,500 a month is 18,000 a year times 25 1,500 a month is 18,000 a year times 25 1,500 a month is 18,000 a year times 25 is $450,000. is $450,000. is $450,000. And remember folks, And remember folks, And remember folks, peak, right? You want to be at your peak peak, right? You want to be at your peak peak, right? You want to be at your peak wealth when you retire, not when you wealth when you retire, not when you wealth when you retire, not when you die. Okay? $450,000 die. Okay? $450,000 die. Okay? $450,000 and you're done. Easy. Not surviving.

and you're done. Easy. Not surviving. and you're done. Easy. Not surviving. comfortable with a buffer in the life comfortable with a buffer in the life comfortable with a buffer in the life I'm literally walking through right now. I'm literally walking through right now. I'm literally walking through right now. And if you have any income coming along And if you have any income coming along And if you have any income coming along the side, a portfolio, social security, the side, a portfolio, social security, the side, a portfolio, social security, a pension, a bit of part-time work, the a pension, a bit of part-time work, the a pension, a bit of part-time work, the portfolio drummer drops. Well, below portfolio drummer drops. Well, below portfolio drummer drops. Well, below that, I've documented in other videos that, I've documented in other videos that, I've documented in other videos how I retired with a portfolio, half how I retired with a portfolio, half how I retired with a portfolio, half that. It just wasn't hard. It wasn't that. It just wasn't hard. It wasn't that. It just wasn't hard. It wasn't scary, folks. The difference I think scary, folks. The difference I think scary, folks. The difference I think between what I did and for a lot of you between what I did and for a lot of you between what I did and for a lot of you is that I'd already lived abroad for is that I'd already lived abroad for is that I'd already lived abroad for years and been here on the ground. So I years and been here on the ground. So I years and been here on the ground. So I knew it was going to work. I wasn't just knew it was going to work. I wasn't just knew it was going to work. I wasn't just questioning it as imaginary, right? questioning it as imaginary, right? questioning it as imaginary, right? Modest pension, social security in the Modest pension, social security in the Modest pension, social security in the mix. The portfolio you need can start mix. The portfolio you need can start mix. The portfolio you need can start with a two or a three maybe. Still six with a two or a three maybe. Still six with a two or a three maybe. Still six figures of course, but let me make it figures of course, but let me make it figures of course, but let me make it concrete because it's the single most concrete because it's the single most concrete because it's the single most important calculation in the entire important calculation in the entire important calculation in the entire video. It's also the thing that's video. It's also the thing that's video. It's also the thing that's holding so many of you back. So you have holding so many of you back. So you have holding so many of you back. So you have social security benefit or a pension social security benefit or a pension social security benefit or a pension that's going to kick in in five years. that's going to kick in in five years. that's going to kick in in five years. All you really need to do, and the All you really need to do, and the All you really need to do, and the reason I'm thinking about this, I was reason I'm thinking about this, I was reason I'm thinking about this, I was just talking with one of my members with just talking with one of my members with just talking with one of my members with it in a consult a couple weeks ago. You it in a consult a couple weeks ago. You it in a consult a couple weeks ago. You just need to bridge the five to just need to bridge the five to just need to bridge the five to sevenyear gap, right? Say if you're 55, sevenyear gap, right? Say if you're 55, sevenyear gap, right? Say if you're 55, you quit now. All you need to do is have you quit now. All you need to do is have you quit now. All you need to do is have a portfolio a portfolio a portfolio or whatever, a part-time income, a side or whatever, a part-time income, a side or whatever, a part-time income, a side hustle or something. Bridge the gap hustle or something. Bridge the gap hustle or something. Bridge the gap between now and 62. That's seven years, between now and 62. That's seven years, between now and 62. That's seven years, right? It's so simple. It's so simple. I right? It's so simple. It's so simple. I right? It's so simple. It's so simple. I would spend those seven years here and would spend those seven years here and would spend those seven years here and not back home at a desk. Example, say not back home at a desk. Example, say not back home at a desk. Example, say you have a social security benefit or a you have a social security benefit or a you have a social security benefit or a pension worth $800 a month, right?

pension worth $800 a month, right? pension worth $800 a month, right? That's 9,600 a year of income. You That's 9,600 a year of income. You That's 9,600 a year of income. You didn't have to save a dime to produce didn't have to save a dime to produce didn't have to save a dime to produce against $1,500 a month in life. That against $1,500 a month in life. That against $1,500 a month in life. That benefit is going to cover more than half benefit is going to cover more than half benefit is going to cover more than half your cost by itself, which means your your cost by itself, which means your your cost by itself, which means your portfolio only has to generate the portfolio only has to generate the portfolio only has to generate the remaining 700 a month. Uh there's a remaining 700 a month. Uh there's a remaining 700 a month. Uh there's a great example for someone like a great example for someone like a great example for someone like a Canadian on OAS. What is the old age Canadian on OAS. What is the old age Canadian on OAS. What is the old age security in Canada? 600, 700 bucks, security in Canada? 600, 700 bucks, security in Canada? 600, 700 bucks, something like that. So 700 a month is something like that. So 700 a month is something like that. So 700 a month is $8,400 a year time 25 is $210,000. $8,400 a year time 25 is $210,000. $8,400 a year time 25 is $210,000. That's all you need in portfolio. That's all you need in portfolio. That's all you need in portfolio. 210,000 plus a modest government check 210,000 plus a modest government check 210,000 plus a modest government check and you're living the life we're walking and you're living the life we're walking and you're living the life we're walking through right now. Just so you're clear, through right now. Just so you're clear, through right now. Just so you're clear, that's a Mercedes SUV, just for all of that's a Mercedes SUV, just for all of that's a Mercedes SUV, just for all of you who think Vietnam is poverty you who think Vietnam is poverty you who think Vietnam is poverty lifestyle. Uh, but let's read the number lifestyle. Uh, but let's read the number lifestyle. Uh, but let's read the number again. It's a fraction of what you've again. It's a fraction of what you've again. It's a fraction of what you've been told and it is real if you do some been told and it is real if you do some been told and it is real if you do some simple math. Compare that to the number simple math. Compare that to the number simple math. Compare that to the number you've probably been carrying around. you've probably been carrying around. you've probably been carrying around. The financial industry back home quotes The financial industry back home quotes The financial industry back home quotes you a million and a half, $2 million you a million and a half, $2 million you a million and a half, $2 million because they're quietly assuming you're because they're quietly assuming you're because they're quietly assuming you're going to spend your retirement in an going to spend your retirement in an going to spend your retirement in an expensive Western city. And ultimately, expensive Western city. And ultimately, expensive Western city. And ultimately, the other one you're not supposed to the other one you're not supposed to the other one you're not supposed to say. They're being super conservative say. They're being super conservative say. They're being super conservative cuz they don't want you to [ __ ] flip cuz they don't want you to [ __ ] flip cuz they don't want you to [ __ ] flip out on them. Okay? Most of those out on them. Okay? Most of those out on them. Okay? Most of those conservative numbers basically plan for conservative numbers basically plan for conservative numbers basically plan for you to actually die with a huge amount you to actually die with a huge amount you to actually die with a huge amount left over. Yeah. Cuz they would get in left over. Yeah. Cuz they would get in left over. Yeah. Cuz they would get in trouble if they didn't. If their whole trouble if they didn't. If their whole trouble if they didn't. If their whole industry banked on you running out at industry banked on you running out at industry banked on you running out at zero and then whatever life expectancy zero and then whatever life expectancy zero and then whatever life expectancy crept up a few years, they'd get crept up a few years, they'd get crept up a few years, they'd get screwed. Their industry would be screwed. Their industry would be screwed. Their industry would be revealed as a sham. All the actuaries

revealed as a sham. All the actuaries revealed as a sham. All the actuaries would get in trouble, etc., etc. You can would get in trouble, etc., etc. You can would get in trouble, etc., etc. You can use AI for this. You know, you can use AI for this. You know, you can use AI for this. You know, you can basically find out how money how many basically find out how money how many basically find out how money how many years you have left to live. Now, you years you have left to live. Now, you years you have left to live. Now, you don't have to ask the insurance company don't have to ask the insurance company don't have to ask the insurance company or an actuary. You can just type in some or an actuary. You can just type in some or an actuary. You can just type in some basic facts in a chat GPT or a claude basic facts in a chat GPT or a claude basic facts in a chat GPT or a claude and it'll tell you straight up. It's not and it'll tell you straight up. It's not and it'll tell you straight up. It's not going to hold back. It'll say, "Look, going to hold back. It'll say, "Look, going to hold back. It'll say, "Look, you got 12 years left, roughly 17 you got 12 years left, roughly 17 you got 12 years left, roughly 17 years." We're not even talking good years." We're not even talking good years." We're not even talking good years, folks. We're just talking years, years, folks. We're just talking years, years, folks. We're just talking years, period. Maybe you're younger. It'll say period. Maybe you're younger. It'll say period. Maybe you're younger. It'll say you got 32 years. I can tell you for a you got 32 years. I can tell you for a you got 32 years. I can tell you for a fact, I am way more than halfway there. fact, I am way more than halfway there. fact, I am way more than halfway there. Think about that. I know. I know roughly Think about that. I know. I know roughly Think about that. I know. I know roughly how many years I need left of money. how many years I need left of money. how many years I need left of money. Against that assumption, of course, Against that assumption, of course, Against that assumption, of course, you're going to feel poor, right? If you you're going to feel poor, right? If you you're going to feel poor, right? If you assume you need what they tell you, assume you need what they tell you, assume you need what they tell you, you're going to feel poor and you're you're going to feel poor and you're you're going to feel poor and you're going to feel bad about it and then going to feel bad about it and then going to feel bad about it and then you're going to lose your confidence and you're going to lose your confidence and you're going to lose your confidence and you're not going to pull the trigger on you're not going to pull the trigger on you're not going to pull the trigger on a big move. Of course, you're going to a big move. Of course, you're going to a big move. Of course, you're going to have to feel like you keep grinding. have to feel like you keep grinding. have to feel like you keep grinding. You've been measuring your savings You've been measuring your savings You've been measuring your savings against the target built for a cost of against the target built for a cost of against the target built for a cost of living you don't have to accept, right? living you don't have to accept, right? living you don't have to accept, right? Be flexible. change your location and Be flexible. change your location and Be flexible. change your location and your financial target is going to move your financial target is going to move your financial target is going to move by hundreds of thousands of dollars, by by hundreds of thousands of dollars, by by hundreds of thousands of dollars, by a million dollars, and suddenly the a million dollars, and suddenly the a million dollars, and suddenly the NASDAQ, the pile you've been calling not NASDAQ, the pile you've been calling not NASDAQ, the pile you've been calling not enough is going to work out for you.

enough is going to work out for you. enough is going to work out for you. This is the thing that makes people This is the thing that makes people This is the thing that makes people almost angry when they first work it out almost angry when they first work it out almost angry when they first work it out or angry at me when they're watching the or angry at me when they're watching the or angry at me when they're watching the video. I get it. I understand the anger video. I get it. I understand the anger video. I get it. I understand the anger because it basically means the treadmill because it basically means the treadmill because it basically means the treadmill you've been running on for years in a you've been running on for years in a you've been running on for years in a real sense was optional or was a waste real sense was optional or was a waste real sense was optional or was a waste of your time, right? Nobody sat you down of your time, right? Nobody sat you down of your time, right? Nobody sat you down and explained that the $2 million and explained that the $2 million and explained that the $2 million number, the million- dollar number had number, the million- dollar number had number, the million- dollar number had all these hidden assumptions baked into all these hidden assumptions baked into all these hidden assumptions baked into them about how you spend your them about how you spend your them about how you spend your retirement, how you spend your life, and retirement, how you spend your life, and retirement, how you spend your life, and most importantly, how you spend your most importantly, how you spend your most importantly, how you spend your money and the good years you have left. money and the good years you have left. money and the good years you have left. Right? remove the big assumptions and Right? remove the big assumptions and Right? remove the big assumptions and that whole idea, the whole tower of you that whole idea, the whole tower of you that whole idea, the whole tower of you don't have enough money comes down. Why? don't have enough money comes down. Why? don't have enough money comes down. Why? Also because culture is telling you to Also because culture is telling you to Also because culture is telling you to consume more. That's the deal, right? consume more. That's the deal, right? consume more. That's the deal, right? The whole point is to get you to keep The whole point is to get you to keep The whole point is to get you to keep spending, to keep fueling the economy, spending, to keep fueling the economy, spending, to keep fueling the economy, to keep fueling to keep fueling to keep fueling inevitable endless economic growth. You inevitable endless economic growth. You inevitable endless economic growth. You can just opt out. You can just say, can just opt out. You can just say, can just opt out. You can just say, "Nah, I'm good." It's not a law of "Nah, I'm good." It's not a law of "Nah, I'm good." It's not a law of physics, folks. It's a locationational physics, folks. It's a locationational physics, folks. It's a locationational choice disguised as a unbreakable rule, choice disguised as a unbreakable rule, choice disguised as a unbreakable rule, as a heruristic, as a rule of thumb. You as a heruristic, as a rule of thumb. You as a heruristic, as a rule of thumb. You can just change it, right? This is what can just change it, right? This is what can just change it, right? This is what I mean when I say you're probably richer I mean when I say you're probably richer I mean when I say you're probably richer than you think you are. Not because your than you think you are. Not because your than you think you are. Not because your number got bigger, because the number number got bigger, because the number number got bigger, because the number you actually need gets way, way smaller.

you actually need gets way, way smaller. you actually need gets way, way smaller. Nobody's ever told you that. I might be Nobody's ever told you that. I might be Nobody's ever told you that. I might be the first person to tell you you're the first person to tell you you're the first person to tell you you're basically allowed to change the math. basically allowed to change the math. basically allowed to change the math. So, if you want to run this on your own So, if you want to run this on your own So, if you want to run this on your own real numbers instead of my round real numbers instead of my round real numbers instead of my round figures, your actual savings, your figures, your actual savings, your figures, your actual savings, your actual income, your actual target city, actual income, your actual target city, actual income, your actual target city, um, that's exactly what I do in the um, that's exactly what I do in the um, that's exactly what I do in the membership where doing monthly live membership where doing monthly live membership where doing monthly live streams, doing one-on-one consults, etc. streams, doing one-on-one consults, etc. streams, doing one-on-one consults, etc. Uh, there's a couple different tiers, a Uh, there's a couple different tiers, a Uh, there's a couple different tiers, a DIY tier, a guided tier, a full service DIY tier, a guided tier, a full service DIY tier, a guided tier, a full service tier. That's linked in the description. tier. That's linked in the description. tier. That's linked in the description. Now, let me do the part that actually Now, let me do the part that actually Now, let me do the part that actually matters, which is telling you who this matters, which is telling you who this matters, which is telling you who this does not work for, cuz it's not for does not work for, cuz it's not for does not work for, cuz it's not for everyone, right? If the video is going everyone, right? If the video is going everyone, right? If the video is going to be a quit now video, I should spend to be a quit now video, I should spend to be a quit now video, I should spend equal or real time on who should equal or real time on who should equal or real time on who should absolutely not take this literally absolutely not take this literally absolutely not take this literally because there are some people this is because there are some people this is because there are some people this is not going to work for. If this section not going to work for. If this section not going to work for. If this section feels like me undercutting myself, my feels like me undercutting myself, my feels like me undercutting myself, my own argument, my headline, fine, that's own argument, my headline, fine, that's own argument, my headline, fine, that's the point. We got to be honest. Cut the point. We got to be honest. Cut the point. We got to be honest. Cut through the [ __ ] Don't quit if your through the [ __ ] Don't quit if your through the [ __ ] Don't quit if your number's not actually there. Close is number's not actually there. Close is number's not actually there. Close is not there, right? If you have zero not there, right? If you have zero not there, right? If you have zero dollars saved, you don't own a home or dollars saved, you don't own a home or dollars saved, you don't own a home or some kind of equity you convert into some kind of equity you convert into some kind of equity you convert into liquid cash, and you're still five years liquid cash, and you're still five years liquid cash, and you're still five years away from social security, I don't know away from social security, I don't know away from social security, I don't know what to do or what to tell you folks.

what to do or what to tell you folks. what to do or what to tell you folks. You can't make money magically appear on You can't make money magically appear on You can't make money magically appear on trees. Unfortunately, if you have trees. Unfortunately, if you have trees. Unfortunately, if you have 300,000 and no other income, it depends 300,000 and no other income, it depends 300,000 and no other income, it depends on your age. You might be close if on your age. You might be close if on your age. You might be close if you're 60. You might be there if you're you're 60. You might be there if you're you're 60. You might be there if you're 70. You might definitely need to wait if 70. You might definitely need to wait if 70. You might definitely need to wait if you're only 55. But close means keep you're only 55. But close means keep you're only 55. But close means keep building and make the plan, not building and make the plan, not building and make the plan, not necessarily leave tomorrow. It could necessarily leave tomorrow. It could necessarily leave tomorrow. It could also mean you can come over here, but also mean you can come over here, but also mean you can come over here, but you need to teach for four or five years you need to teach for four or five years you need to teach for four or five years to bridge the gap and earn actual income to bridge the gap and earn actual income to bridge the gap and earn actual income or have some sort of online income. or have some sort of online income. or have some sort of online income. Right? The point is to run the real Right? The point is to run the real Right? The point is to run the real personal math for you first. I'd rather personal math for you first. I'd rather personal math for you first. I'd rather you go 6 months later and you're solid you go 6 months later and you're solid you go 6 months later and you're solid than 6 month early and scared and than 6 month early and scared and than 6 month early and scared and screwing it up and going back. The whole screwing it up and going back. The whole screwing it up and going back. The whole point of the video is not about being point of the video is not about being point of the video is not about being reckless. It's about accuracy. Most reckless. It's about accuracy. Most reckless. It's about accuracy. Most people are wrong about their number in people are wrong about their number in people are wrong about their number in the direction of thinking and they're the direction of thinking and they're the direction of thinking and they're too high. But a few people are wrong in too high. But a few people are wrong in too high. But a few people are wrong in the other direction. And I do not want the other direction. And I do not want the other direction. And I do not want you to be the person who talked you to be the person who talked you to be the person who talked themselves into leaping on a number that themselves into leaping on a number that themselves into leaping on a number that genuinely was not there yet because a genuinely was not there yet because a genuinely was not there yet because a guy on YouTube said you were richer than guy on YouTube said you were richer than guy on YouTube said you were richer than you think. Be richer than you think and you think. Be richer than you think and you think. Be richer than you think and correct about it. Do the math. Run your correct about it. Do the math. Run your correct about it. Do the math. Run your finances. Run your numbers. Do not quit finances. Run your numbers. Do not quit finances. Run your numbers. Do not quit if you've not dealt with the boring if you've not dealt with the boring if you've not dealt with the boring infrastructure part first. You know that infrastructure part first. You know that infrastructure part first. You know that includes the tax planning, the residency includes the tax planning, the residency includes the tax planning, the residency changes, the health care coverage, changes, the health care coverage, changes, the health care coverage, Medicare, the visa reality, which in Medicare, the visa reality, which in Medicare, the visa reality, which in Vietnam is genuinely something you have Vietnam is genuinely something you have Vietnam is genuinely something you have to manage and remmanage. Uh, and it's to manage and remmanage. Uh, and it's to manage and remmanage. Uh, and it's different if you choose Thailand, different if you choose Thailand, different if you choose Thailand, Philippines, Malaysia, wherever, right?

Philippines, Malaysia, wherever, right? Philippines, Malaysia, wherever, right? The number being right does not mean the The number being right does not mean the The number being right does not mean the logistics are handled for you. And the logistics are handled for you. And the logistics are handled for you. And the logistics can sink you if you ignore logistics can sink you if you ignore logistics can sink you if you ignore them or screw up the bureaucratic them or screw up the bureaucratic them or screw up the bureaucratic aspects of a move abroad. So, don't quit aspects of a move abroad. So, don't quit aspects of a move abroad. So, don't quit if the honest truth is that your money if the honest truth is that your money if the honest truth is that your money is fine, but your life plan is empty. I is fine, but your life plan is empty. I is fine, but your life plan is empty. I have bunch of videos on this. The have bunch of videos on this. The have bunch of videos on this. The hardest part of early retirement and hardest part of early retirement and hardest part of early retirement and moving abroad is not necessarily the moving abroad is not necessarily the moving abroad is not necessarily the money. It's the identity, the empty money. It's the identity, the empty money. It's the identity, the empty calendar, the question of who you are calendar, the question of who you are calendar, the question of who you are when you're not your job, you're not when you're not your job, you're not when you're not your job, you're not around your community. If you quit into around your community. If you quit into around your community. If you quit into a void with no idea what your days are a void with no idea what your days are a void with no idea what your days are for, the cheap cost of living will not for, the cheap cost of living will not for, the cheap cost of living will not save you from being miserable. So, you save you from being miserable. So, you save you from being miserable. So, you got to sort out what you're retiring to, got to sort out what you're retiring to, got to sort out what you're retiring to, not just what you're retiring from, not just what you're retiring from, not just what you're retiring from, right? What are you chasing after, not right? What are you chasing after, not right? What are you chasing after, not what are you running away from? I cannot what are you running away from? I cannot what are you running away from? I cannot say this part strongly enough because say this part strongly enough because say this part strongly enough because the mistake I very nearly made myself the mistake I very nearly made myself the mistake I very nearly made myself and I've seen so many other people say I and I've seen so many other people say I and I've seen so many other people say I had the money part handled to the had the money part handled to the had the money part handled to the decimals on top of that I didn't prepare decimals on top of that I didn't prepare decimals on top of that I didn't prepare myself for quitting my job leaving my myself for quitting my job leaving my myself for quitting my job leaving my community and my career and moving to a community and my career and moving to a community and my career and moving to a new city in Daang at the same time it new city in Daang at the same time it new city in Daang at the same time it was a lot bro it was overwhelming and was a lot bro it was overwhelming and was a lot bro it was overwhelming and I'd spent almost no time on the question I'd spent almost no time on the question I'd spent almost no time on the question of what my actual days and schedule of what my actual days and schedule of what my actual days and schedule would be for once my career as a teacher would be for once my career as a teacher would be for once my career as a teacher was over right so the freedom you're was over right so the freedom you're was over right so the freedom you're chasing is not just an absence of work.

chasing is not just an absence of work. chasing is not just an absence of work. It has to be the presence of something It has to be the presence of something It has to be the presence of something you actually want to fill your time you actually want to fill your time you actually want to fill your time with. Whether that's parenting or pickle with. Whether that's parenting or pickle with. Whether that's parenting or pickle ball is up to you. If you haven't ball is up to you. If you haven't ball is up to you. If you haven't actually figured out what that something actually figured out what that something actually figured out what that something is, the cheapest cost of living on Earth is, the cheapest cost of living on Earth is, the cheapest cost of living on Earth will not save you from waking up in will not save you from waking up in will not save you from waking up in paradise with nothing to do and no idea paradise with nothing to do and no idea paradise with nothing to do and no idea who you are and nobody to talk to. Money who you are and nobody to talk to. Money who you are and nobody to talk to. Money buys you the room, the time, the buys you the room, the time, the buys you the room, the time, the freedom. It doesn't furnish it. That's freedom. It doesn't furnish it. That's freedom. It doesn't furnish it. That's part of your job. Also, do not quit if part of your job. Also, do not quit if part of your job. Also, do not quit if your specific life genuinely requires your specific life genuinely requires your specific life genuinely requires you to stay. Okay, I get it. Aging you to stay. Okay, I get it. Aging you to stay. Okay, I get it. Aging parents who need you physically present. parents who need you physically present. parents who need you physically present. I just visited mine, a medical situation I just visited mine, a medical situation I just visited mine, a medical situation that needs a specialist you trust, a that needs a specialist you trust, a that needs a specialist you trust, a family you're not willing to be a day family you're not willing to be a day family you're not willing to be a day flight away from. Those aren't failures flight away from. Those aren't failures flight away from. Those aren't failures of nerve. It legit takes 30 hours to get of nerve. It legit takes 30 hours to get of nerve. It legit takes 30 hours to get here. It's [ __ ] brutal. It's a pain here. It's [ __ ] brutal. It's a pain here. It's [ __ ] brutal. It's a pain in the ass. I just did it through SFO in the ass. I just did it through SFO in the ass. I just did it through SFO with two kids in tow. These are real with two kids in tow. These are real with two kids in tow. These are real constraints and the geo arbitrage math constraints and the geo arbitrage math constraints and the geo arbitrage math does not erase them. It's just an input does not erase them. It's just an input does not erase them. It's just an input into your decision, right? A single into your decision, right? A single into your decision, right? A single variable, not a command. So, the honest variable, not a command. So, the honest variable, not a command. So, the honest version of quit now is this. Quit now. version of quit now is this. Quit now. version of quit now is this. Quit now. If the number is actually there, the If the number is actually there, the If the number is actually there, the logistics are actually handled, you have logistics are actually handled, you have logistics are actually handled, you have a real plan in place, and you have a real plan in place, and you have a real plan in place, and you have something you're looking forward to. For something you're looking forward to. For something you're looking forward to. For the person who meets those conditions, the person who meets those conditions, the person who meets those conditions, oh my goodness, and there are way more oh my goodness, and there are way more oh my goodness, and there are way more of you than they think there are. The of you than they think there are. The of you than they think there are. The thing standing between you and this life thing standing between you and this life thing standing between you and this life is not more money. It's just permission.

is not more money. It's just permission. is not more money. It's just permission. That is the part I actually want to talk That is the part I actually want to talk That is the part I actually want to talk about. Give yourself permission. Allow about. Give yourself permission. Allow about. Give yourself permission. Allow yourself to do it. Don't be afraid. This yourself to do it. Don't be afraid. This yourself to do it. Don't be afraid. This is seriously what I've learned in the is seriously what I've learned in the is seriously what I've learned in the last 5 years. It is the most expensive last 5 years. It is the most expensive last 5 years. It is the most expensive lesson of my life in time. The people lesson of my life in time. The people lesson of my life in time. The people who wait almost never wait because it's who wait almost never wait because it's who wait almost never wait because it's the math telling them not to do it. It's the math telling them not to do it. It's the math telling them not to do it. It's not the finances. It's the waiting about not the finances. It's the waiting about not the finances. It's the waiting about responsibility. It's the safe, mature, responsibility. It's the safe, mature, responsibility. It's the safe, mature, sensible thing, right? One more year, sensible thing, right? One more year, sensible thing, right? One more year, one more year. Having a number that's one more year. Having a number that's one more year. Having a number that's already big enough because stopping already big enough because stopping already big enough because stopping feels reckless even when the finances feels reckless even when the finances feels reckless even when the finances tell you otherwise. I know this cuz I tell you otherwise. I know this cuz I tell you otherwise. I know this cuz I did it to some extent. I had a moment did it to some extent. I had a moment did it to some extent. I had a moment years ago sitting on a beach taking a years ago sitting on a beach taking a years ago sitting on a beach taking a job interview for a sensible return back job interview for a sensible return back job interview for a sensible return back home to Calgary and Canada. I knew in my home to Calgary and Canada. I knew in my home to Calgary and Canada. I knew in my gut it was the wrong call, but I made it gut it was the wrong call, but I made it gut it was the wrong call, but I made it anyways cuz the responsible looking anyways cuz the responsible looking anyways cuz the responsible looking choice. It literally cost me years at a choice. It literally cost me years at a choice. It literally cost me years at a desk, not dollars. The one currency you desk, not dollars. The one currency you desk, not dollars. The one currency you cannot earn back is your good years, cannot earn back is your good years, cannot earn back is your good years, your health. I've met people here your health. I've met people here your health. I've met people here sitting on far more than they need, sitting on far more than they need, sitting on far more than they need, still anxious, still calculating, still still anxious, still calculating, still still anxious, still calculating, still telling themselves just a little more, telling themselves just a little more, telling themselves just a little more, who give anything to have back the who give anything to have back the who give anything to have back the decade they spent waiting for decade they spent waiting for decade they spent waiting for permission. uh that ultimately is never permission. uh that ultimately is never permission. uh that ultimately is never going to arrive. You just have to do it going to arrive. You just have to do it going to arrive. You just have to do it yourself. Nobody's ever going to tell yourself. Nobody's ever going to tell yourself. Nobody's ever going to tell you or make it okay for you, right? And you or make it okay for you, right? And you or make it okay for you, right? And that is the quiet cost that nobody puts that is the quiet cost that nobody puts that is the quiet cost that nobody puts on a balance sheet. Every extra year you on a balance sheet. Every extra year you on a balance sheet. Every extra year you spend grinding for a number you've spend grinding for a number you've spend grinding for a number you've already passed is a year of your already passed is a year of your already passed is a year of your healthiest, most adventurous life traded healthiest, most adventurous life traded healthiest, most adventurous life traded for security you already had. It is for security you already had. It is for security you already had. It is literally wasted energy. And the cruel literally wasted energy. And the cruel literally wasted energy. And the cruel part is that the years you're trading part is that the years you're trading part is that the years you're trading away aren't interchangeable, right? the away aren't interchangeable, right? the away aren't interchangeable, right? the energy you have at 45, at 50, at 55 to

energy you have at 45, at 50, at 55 to energy you have at 45, at 50, at 55 to learn a language, ride a motorbike, learn a language, ride a motorbike, learn a language, ride a motorbike, start dating again, get to a new city, start dating again, get to a new city, start dating again, get to a new city, hike, travel, rough, stay up late with hike, travel, rough, stay up late with hike, travel, rough, stay up late with new friends is not the same energy new friends is not the same energy new friends is not the same energy you're going to have at 65, at 70, at you're going to have at 65, at 70, at you're going to have at 65, at 70, at 75. You're spending your most capable 75. You're spending your most capable 75. You're spending your most capable years to buy security in your least years to buy security in your least years to buy security in your least capable ones. That is a bad tradeoff. capable ones. That is a bad tradeoff. capable ones. That is a bad tradeoff. Waiting is not free. It is in fact the Waiting is not free. It is in fact the Waiting is not free. It is in fact the most expensive thing you'll ever buy and most expensive thing you'll ever buy and most expensive thing you'll ever buy and you buy it in the only currency that you buy it in the only currency that you buy it in the only currency that doesn't come back at the exact time in doesn't come back at the exact time in doesn't come back at the exact time in your life when that currency is worth your life when that currency is worth your life when that currency is worth the most to you. I.e. do not die with the most to you. I.e. do not die with the most to you. I.e. do not die with your highest net worth. It is a bad your highest net worth. It is a bad your highest net worth. It is a bad freaking idea. The book by the way again freaking idea. The book by the way again freaking idea. The book by the way again is Die with zero. I loved it. So no, I'm is Die with zero. I loved it. So no, I'm is Die with zero. I loved it. So no, I'm not telling you to be reckless. I'm not telling you to be reckless. I'm not telling you to be reckless. I'm telling you to do the one thing almost telling you to do the one thing almost telling you to do the one thing almost nobody does, which is run your actual nobody does, which is run your actual nobody does, which is run your actual numbers against the actual cost of numbers against the actual cost of numbers against the actual cost of living in your dream life and your dream living in your dream life and your dream living in your dream life and your dream destination and then actually commit and destination and then actually commit and destination and then actually commit and believe the answer even when the answer believe the answer even when the answer believe the answer even when the answer is that you can stop sooner than you is that you can stop sooner than you is that you can stop sooner than you were told you could, maybe even years were told you could, maybe even years were told you could, maybe even years sooner. Ultimately, you're probably sooner. Ultimately, you're probably sooner. Ultimately, you're probably richer than you think if you're coming richer than you think if you're coming richer than you think if you're coming to Southeast Asia. Go find out if it's to Southeast Asia. Go find out if it's to Southeast Asia. Go find out if it's true. Run your numbers. If it turns out true. Run your numbers. If it turns out true. Run your numbers. If it turns out you're already there and the only thing you're already there and the only thing you're already there and the only thing left to overcome is the habit of waiting left to overcome is the habit of waiting left to overcome is the habit of waiting and procrastination, dive in. Enjoy your and procrastination, dive in. Enjoy your and procrastination, dive in. Enjoy your life. Enjoy the good years. If you've life. Enjoy the good years. If you've life. Enjoy the good years. If you've watched this whole thing and you're watched this whole thing and you're watched this whole thing and you're genuinely close, you've done the genuinely close, you've done the genuinely close, you've done the research and you want a real research and you want a real research and you want a real conversation about your specific conversation about your specific conversation about your specific situation and timeline and a strategy situation and timeline and a strategy situation and timeline and a strategy and a real plan to relocate in the next and a real plan to relocate in the next and a real plan to relocate in the next 12 months or so. There's a link in the 12 months or so. There's a link in the 12 months or so. There's a link in the description. I can definitely help you description. I can definitely help you description. I can definitely help you out if that's where you're at, but only

out if that's where you're at, but only out if that's where you're at, but only if. Otherwise, enjoy the videos. They're if. Otherwise, enjoy the videos. They're if. Otherwise, enjoy the videos. They're all free. You can comment news and I'll all free. You can comment news and I'll all free. You can comment news and I'll send you my newsletter. You can watch send you my newsletter. You can watch send you my newsletter. You can watch this one where I count down the five this one where I count down the five this one where I count down the five countries I tell my parents to retire countries I tell my parents to retire countries I tell my parents to retire abroad cuz they're too old to come here abroad cuz they're too old to come here abroad cuz they're too old to come here anymore. Or this one which is five anymore. Or this one which is five anymore. Or this one which is five countries where Americans can move in 24 countries where Americans can move in 24 countries where Americans can move in 24 hours, no visa or income required. hours, no visa or income required. hours, no visa or income required. Thanks so much.