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Practicing Yoga on the Road

Amanda Kingsmith is a podcast host, avid traveler, writer and yoga teacher who is passionate about people, movement, living boldly and exploring the world. To learn more about Amanda visit www.theworldwanderers.com or www.mbomyoga.com.

I don’t have time.

It’s too expensive.

There is no studio near me.

I don’t have an hour and a half in my day to practice.

When it comes to yoga, we’ve all made these excuses. Myself included.

So when we book a trip, or make the decision to long term travel, yoga is absolutely out of the question. If I didn’t have the time or money while I was at home, I definitely won’t be able to do it on the road.

Right? Wrong.

I’m here to tell you how you can maintain your yoga practice while on the road, without spending your whole day on your yoga mat and breaking the bank.

First, yoga is expensive. I teach and I practice, so I know. When you’re on the road, it can be challenging to fork out this kind of money.. But, what if I taught you how to practice at home? Or from your hotel room? Or from the rest stop that you stop at while on the road?

Do not let Fear make your decisions for you. Risk has a price and so does security.

You see, yoga doesn’t have to be expensive. The problem is that if you don’t know how to practice, you automatically think you need to go to a class.

Second, the idea that we have to spend an hour doing yoga is a complete fallacy. Although an hour is amazing, we don’t usually have that kind of time on the road. You can actually practice yoga in 5-10 minutes and have it be super effective for your body.

Don’t believe me? I’ll show you how!

Take 5 minutes, either sitting or standing, to close your eyes and do a mental check in. Mentally scan your body from head to toe and pinpoint places of tightness or tension in your body. Now, you have a playing field to work with.

Here are 6 basic poses to help you stretch those out, and feel amazing while on the road:

1.Neck rolls

Neck rolls

Neck rolls

Drop your right ear to your right shoulder, hold for a moment, and then begin to drop your chin to your chest. Hold for a moment and then bring your left ear to your left shoulder. Continue at your own pace doing 3-5 movements.

  1. Lateral side body stretch

    Lateral side body stretch

    Lateral side body stretch

Reach your arms towards the sky, grab your left wrist with your right hand. Inhale deeply and as you breathe out, begin to tip to the right, feeling a nice stretch through your left side body. Hold for 3 breaths, and then switch sides.

  1. Cat / cow pose

    Cow pose

    Cow pose

Come onto your hands and knees in a tabletop position. On your inhale, sink your belly and send your hips and head to the sky for cow. On your exhale, arch your spine drawing your shoulder blades away from one another for cat. Repeat 5-10 times.

If you don’t have somewhere where you can come onto your hands and knees, you can do this from standing, as shown in the photo below!

Cat pose

Cat pose

  1. Lungeyoga8

Ground down firmly into your front leg, bend your knee and lengthen through your back leg coming up onto your toes. Now, tuck your pelvis in and under and feel a nice long stretch through your hip flexor. Hold for 3-5 breaths and then switch legs.

  1. Hip circles

    Hip Circles

    Hip Circles

This is about as basic as it gets, and it feels AMAZING! Stand with your feet about shoulder width apart and begin to make circular motions with your hips. Move for 30 seconds in either direction. Make sure to use your hips, and NOT your knees. And remember, the motion doesn’t need to be dramatic.

  1. Forward fold

    Forward Fold

    Forward Fold

Bring your hips to hip width distance and fold forward, clasping opposite elbows and allowing yourself to gently sway from side to side, as pictured. Keep your back as long as possible, and allow your head to hang heavy. This should feel awesome, especially if you’ve been sitting, flying or driving for a while.

You can practice these poses in any order you want, at any time or day, and it should take you no longer than 10 minutes. Now, the next time you’re on the road, there’s no excuse to not get your daily yoga practice in!

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Mattress types

Jennifer McBride is a content copywriter and mattress expert at Mattress Insider. She’s keen on everything related to mattresses and loves writing tips that help you choose your mattress and keep it clean and hygienic.

If you are suffering from back issues, first thing that a doctor will tell you is that you need a good mattress. When we say a good mattress, we refer to a type that should support your particular body type allowing you to rest and relax. It is general knowledge that a new mattress can provide you much more support than the one which is worn out. Simply put, as time goes by, stuffing depletes, providing less support to your joints and other parts of the body. Even though doctor can suggest a particular mattress, it remains up to you whether a certain product fits your needs or not.

Nowadays, mattresses are made from various materials. Some of them focus on durability, others on anti-allergic properties, while some are meant to provide better support to your back. According to the experts, it is optimal to change mattress once every seven years. Here is a brief rundown that will help you recognize different types of mattresses.

Not sure you can retire? Get answers here

  • Foam mattress

As its name implies, this type of product is made out of foam. This foam can be from various substances such as polyurethane, latex or memory foam. Furthermore, foam mattresses can also have gel and some other materials within them. The good thing about this particular item is that it can be made in various shapes and densities (due to different materials which are used).

  • Gel mattress

A gel mattress uses a gel within the mattress. However, due to its structure, this type of mattress has to go with some other materials. It can be placed within the item’s support system, upholstery layer or both. Together with foam, it creates feeling of comfort.

  • Memory foam mattress

When it comes to this form, this is a product which uses high density polyurethane foam. Similar to a gel mattress, this substance can be placed in the support system, upholstery layer or both. If you need an easy to clean mattress, this is the one for you.

  • Latex mattress

If you wish to have an organic mattress, this is the best option for you. Latex mattresses can be organic, non-organic and a mixture of the two. While organic is made from the coconut plant (its milk to be precise), a non-organic mattress is made from petroleum material.

  • Mattress with springs

This is the oldest and still, most popular type of mattress. It has a spring within it as a support system for your back. Naturally, due to its long existence, there are various sub-types of this product. You can choose your mattress based on the spring system within it. There are those that are made with springs connected into a single unit as well as those that are individually wrapped pocketed coils. Springs are covered with different materials which are meant to provide protection and isolate the user from the springs themselves. When it comes to number of coils, it can vary. However, one thing holds true; the more springs there are, the better distribution of weight. Having this in mind, more coils will provide a better support to your back. These mattresses are very cheap and durable.

  • Hybrid mattress

As you can presume, this mattress combines different technologies. It is based on springs together with foam (can be made from various types of foam). Have in mind that even gel can be used for this particular item.

  • Waterbed

These beds are based on water. There are two main types available to consumers: a hard sided and a soft sided bed. Even though this kind of mattress has existed for quite some time, it has never attained the same popularity as other similar products. Even though they are very comfortable and good for your back, they are not very durable.

  • Pillow top mattress

This is a great option for people who need additional support or extra comfort. A pillow top mattress has another upholstery layer which is placed into the top of the mattress. It can be made out of fiber or foam.

  • Air bed

Similar to a water bed, this type of mattress is quite gimmicky. Their support system is based on air which is placed in a special chamber. This chamber is protected by padding or upholstery which is made out of fiber or foam. The good thing about these mattresses is that you can adjust different parts of it according to your own desires.

Although these products vary in term of price, durability and comfort, the most important thing to have in mind is hygiene. Even if you have the best mattress in the world, it can still present a health hazard if you do not maintain it properly. Of course, anti-allergic materials may solve a part of your problem but you still need to clean your mattress from time to time.

If you wish to learn more about mattress cleaning, read this detailed mattress cleaning guide.

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Can My Stomach Handle the Food in Mexico?

Q&A with a Reader

Greetings from Iowa!

Am rereading one of your books I have purchased and have a couple of questions.

1: Am thinking about buying your “4” pack of books an am wondering when you wrote those and if the information has changed much?

2: Regarding all the restaurants/local food places that you eat at, I wonder if the ole digestive system ever gets affected? I’m showing my wife all your pictures and she laughs and says, “Can your stomach handle that unboxed food”? haha

Many thanks

Craig and Lori

Life is an adventure, follow your dreams.

Quesadillas being made on the street in Mexico

Quesadillas being made on the street in Mexico

Hi Craig and Lori,

Thank you for taking the time to write. We enjoy your questions and appreciate your keeping in touch.

In regards to the books written on Mexico, those books were written when the Peso was 12 to the Dollar, and currently the Mexican Peso is 18 to the Dollar. Any inflation that might have happened since the books were written would be covered by the better exchange rate. Right now, it’s a great time to be visiting Mexico.

As for the food in Mexico, take a look at our piece, Is Eating Street Food Safe?

Beautiful beach of Zicatela, Mexico

Beautiful beach of Zicatela, Mexico

If you want to eat at a food stall and there is no one in line, pass it by. If there are people waiting to be served, chances are the food is good, and is turning over rapidly.

Not every dish in Mexico is spicy. There is a wide range of flavors and sauces including mole from Oaxaca and chicken Tinga from the coast. If you eat fresh food at all at home in Iowa, you should be fine in digesting the food in Mexico. Stay away from the fried stuff if that bothers you… but even then, you’ll have lots to choose from. The fruits are fabulous!

Monte Alban in Oaxaca, Mexico

Monte Alban in Oaxaca, Mexico

Learn a few survival phrases (those listed at the back of our books should help you get started) and you are on your way.

Be sure you have a debit card that works with the Plus or Cirrus systems and works overseas. In this way you are able to get local currency at the ATMs.

Let us know if you  have any other questions. We’d be happy to answer them.

Take care, the both of you.

Best regards,

Akaisha

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Greetings from a millennial :) – My finances!

Q&A with a Reader

Hello Billy and Akaisha!

I hope you two are doing well! I just listened to you guys on the World Wanderers podcast and loved your story! Retiring at 38 is so unheard of and I’m so happy for you guys, that you’re doing what you love, 25 years later! I was inspired by your story, especially in how you both prepared for such a huge undertaking.  The reason I’m emailing is because Billy said he wanted to share his financial knowledge with millennials so here I am 🙂

So my husband and I are both working good jobs in San Diego making good money and have been for the past 2 years, and will continue to do so for the next 3 years. After that, the plan is to travel for maybe 1-2 years, to have adventures and to both volunteer and work abroad. I’m not sure exactly how long I’d like to do that, ideally indefinitely, but as of right now the plan is to go back to the states and continue working and putting money into our 401k.

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I’m very glad I heard your podcast because I liked hearing that you actually planned for 2 years before you quit your jobs. I hear all of these stories about young people quitting their jobs and traveling, though most of them either return back to work or stop traveling because it isn’t sustainable. One of the biggest issues that no one talks about is retirement  or a long term savings plan.

I’m 30 now, so I’m not fresh out of college or anything and I don’t have that much saved in my retirement. (I never understood it and only put the minimum match of 5% into it-I’m still only putting 6% into my 401k). So I’ve decided to not quit my job right now, but instead, to give myself 3 years to get my finances in order, save as much as possible, and plan our big adventure.

Billy mentioned that millennials should save and invest into index ETFs. For someone like me, who doesn’t really know what that means, I was hoping you could elaborate. As in, what percentage of your income (or 401k) would you recommend putting into ETFs? Do you have any recommendations on what else to invest in, like the bonds?

Another huge concern I have is how much to put into my 401k. Do you have recommendations on that? Did you guys try to get to a certain amount before you quit (or assume you’d need a certain amount to live off of for the next 50 plus years)? I have some savings in the bank that I really don’t know what to do with. Just throw it all into my 401k? Use all of it to invest into index ETFs? Use it for the big trip?

Knowing that I’m going to be quitting my job in 3 years, I’d like to use my savings wisely, and get my 401k ready. But if I’ll only be 33 by then, so I definitely won’t have enough in my 401k to retire – not that I’m necessarily trying to do that, but I guess overall I’m just interested in whatever recommendations you have on planning for something huge like this. I am definitely curious about what you guys did during that 2 year period and what I might be able to learn about and look into during my planning period. Please let me know if you recommend any books, websites, or articles, anything that may help me prepare for the scariest and also most exciting part of my life.

I so appreciate you taking the time to read my little bio, fears, and concerns. After hearing a bit of your story, I knew I had to get in touch with you guys so thank you for sharing it on the podcast. I’ve already learned something from you both, which is that it’s possible!  Especially if you have the right plan.

I look forward to hearing back from you and thank you, thank you, thank you for your time.

Sincerely,

Alexa

Hi Alexa,

Thanks for taking the time to write and we applaud you for taking control of your finances at this time in your life.

One of the first things I want to say is that Time Is on Your Side.

I might mention that in the 2 years we took to prepare for our early leave from the working world, we figured out how much money per year and per day we were spending on ourselves, minus the cost of working. We knew that we would not have the house payment either, nor would we be driving our car all the time, so we subtracted those amounts out. Eventually, we became Car Free saving thousands of dollars a year on transport.

The categories of highest spending in any household are housing, transportation, taxes and food/entertainment. If you make adjustments in any of these categories, then you will “find” more money to save and invest.

We tracked our spending and found out how much we needed to have in investments to generate that kind of annual expense. Experts say to have invested 25 times the amount of annual spending and that should do it. If you take out the safe withdrawal rate of 4% per year (leaving 6% to reinvest and cover inflation) you would not run out of money.

We then created a “Money Machine” mainly investing in equities – A money machine that grows faster than our spending and inflation. At your age we had 100% in equities and your risk tolerance may vary but I believe the stock market using Index ETF’s is the way to do this. As we aged, now 63, we have backed off a bit from the heavy exposure to equities, and currently are at 50%.

We cannot specifically tell you how you should invest as everyone is different, but in my opinion, you should increase your stock market exposure using VTI, Vanguard Total Market ETF.

An ETF is like a mutual fund that trades in real time as compared to receiving the closing price of the trading day like mutual funds. And they are very low cost to own. We currently hold VTI, SPY and DVY.

As far as adding to your 401K, sure, and you can use the same VTI for this. Money that grows tax deferred is a plus. In fact try to invest as much as you can both inside and outside of your tax advantaged accounts. Time is your greatest asset….. Use it.

When we retired in 1991 the S&P 500 Index closed at 312.49 and as of this writing it is trading at 2100 which is roughly a 7.8% average gain per year plus a couple percent for dividends.

I hope this helps and you, too, can gain financial independence.

Let us hear from you if you have any further questions.

Regards,

Billy

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Millenial Wants to Create Financial Sustainability

Q&A with a Reader

Hi Billy and Akaisha ,

I just heard your interview on Nomadtopia radio. I was an interviewee a few interviews back 🙂

Great to hear your story; you inspire me!

I’m a 30 year old with a giant nest egg left to me by my grandparents when I was a baby.

I’d love to consider early retirement and look forward to reading your newsletter and learning more about your journey and resources.

Thank you so much for your inspiration!!!

Louise

Do not let Fear make your decisions for you. Risk has a price and so does security.

Hi Louise,

Wonderful to hear from you! Thanks for taking the time to write and to let us know you enjoyed the interview.

You have been given a tremendous gift from very thoughtful and forward thinking grandparents. I would certainly recommend the following articles from our site and a couple of our books to help you put your gift to work for you.

We think that becoming financially independent is one of the best things you can do for yourself and for the world.

When you are financially sustainable, you are no longer a wage slave, you no longer have to put up with a tyrannical boss, a bad personal relationship due to financial fear, or have to live in an area with unattractive weather just to keep your job. You become a free agent and can utilize your talents to the best of your ability anywhere in the world. You can invent a product or service to benefit humanity without the financial pressure of making your mortgage. You can volunteer your time and expertise to the many people all around the world whose needs are so great. Personal creativity can thrive.

We wish you the very best in your life!!

Here are some good articles for you to read – please feel free to write and ask any questions if you have them.

Best Regards,

Akaisha and Billy Kaderli

How to Create Financial Sustainability for Yourself

Imagine

Create a Money Machine

The Adventurer’s Guide to Early Retirement, A Common Sense Approach

Your Retirement Dream IS Possible

Annual Spending Update

Preferred Links Pages

 

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Easy strategies to apply in order to have a quieter and deeper sleep

By Charlie Brown

If you snore, you should be aware that this is not a strange condition; forty five percent of normal adults snore at least occasionally. If you have a spouse, there is a major likelihood that there have been some relationship issues arising because of your snoring. This condition even though it might seem small, has the potential of bringing up serious marriage issues. It can even  escalate  to a point  where you two can no longer sleep in the same room, so separate bedrooms seems like the most fair solution for both of you. Snoring is not only an annoying condition, but seventy five percent of people who snore also suffer from a condition called obstructive sleep apnea. This condition is where breathing gets interrupted as you sleep, for only short time periods. This is a serious experience and if it is not treated in its early stages it can result to a greater risk of developing heart disease. It is very crucial that you do not just treat yourself with any spray and pill that is available over the counter before you consult your doctor. You should take caution in this area because there are many stop snoring aids and devices that are brought to the market even before scientific experiments are performed to support what they claim. You can instead try some natural remedies and lifestyle changes that will help you overcome the snoring condition. Here are some of them;

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Change your sleeping position.

Your sleep position could make you more likely to snore. When you sleep lying on your back, the base of your tongue and soft palate will collapse to the back wall of your throat; this will cause a vibrating sound as you sleep. It will be more helpful for you if you consider sleeping on your side instead. If you acquire a body pillow, this is a full length pillow that is designed to support your entire body; you will have an easy solution on how you can comfortably sleep on your side. There are other methods to ensure you sleep on your side, which may seem absurd but are proved to work well. One you can do is taping tennis balls to the back of your night garment; this will cause you to feel immediate discomfort when you begin to roll over. You can also modify your bed by reclining it with the head up to open up your nasal passage.

Open nasal passages.

Just like a garden hose, the narrower the hose the faster water goes through it, your nasal passage works similarly. If your passage is clogged due to flu or another blockage, you are more likely to produce snoring, because air is moving fast in your nose and vibrating the tissues faster. There are very good devices that can be purchased to open up your nasal passage, you can visit websites like https://goodmorningsnoresolution.com/ to get aids that will help you to effectively overcome this condition.

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Preparing for Retirement; Overwhelmed by it all

Q&A with a Reader

Hello Billy and Akaisha,

You guys are no doubt inspiration that most people seek. My husband and I are no different. I was hoping you could help us with some advice on how to go about doing what you’ve done so successfully a long time ago.

Some insight into where we are right now. My husband just turned 68 years old and is still full time employed. I am 18 years younger and full time employed as well. Neither one of us makes great deal of money. Our current expenses are high (living in NYC area) and we’re forced to dip into our 401K pretty much continuously to maintain our lifestyle. I know this is not sustainable.

I also wish to be able to have my husband finally retire…

I obviously have no means to go and check every single retirement destination I might think will suit our needs, so how do I decide then?

Tropical food is scrumptious!

Tropical food is scrumptious!

The Caribbean is logical destination for many expats from this country for obvious reasons BUT for me not so much because food is great part of both of our lives and I need to be where I can get the kind of food I enjoy the most. Europe springs to mind but again, France or Italy would be a yeeeessss…food wise but I know due to the exchange rate and simply cost of living that we couldn’t get best bang for our buck there.

However, I might be looking at this whole thing wrong and not understanding the what’s and how’s that retirement entails.

Please help?

Regards,

Tanya

All of our books lead to adventure. Don’t miss out on yours!

Hi Tanya,

I would first recommend that you take a look at our article, How to Choose a Retirement Location.

It’s really important that you and your husband list what your priorities are for your future lifestyle. Being foodies ourselves, we understand the desire to have access to a variety of different cuisines, and fresh fruits, vegetables, seafood and meats. Make sure you agree on things like climate, social activities available to keep you engaged (even the ability to possibly volunteer) – garden clubs, bridge clubs, theater, animal rescue, golf, hiking, nature – whatever interests you.

Know what size of city, town or community that appeals to you. And very significantly, have you ever lived overseas before? It might sound fantastic on paper, but cultural differences can be a bone of contention to some people. Some cultures are efficient, and some are more lackadaisical when it comes to getting plumbing done, or getting paperwork processed and so on. No matter where you choose to live, it won’t be “just like home.”

Mexico architecture reflects the Spanish conquistadors

Mexico architecture reflects the Spanish conquistadors

Do you know another language, or are you willing to learn at least at a passable level?

You might consider other options besides moving – options such as snow birding, house swapping, house sitting or setting up a portion of your home to rent out with organizations such as Airbnb.

After you have your list of priorities you can begin to look for a location to fit those desires.

Gorgeous Lake Atitlan in Guatemala

Gorgeous Lake Atitlan in Guatemala

Take a look at our Relocation Page – there are lots of forums where you could have conversations with expats who are currently living in various foreign locations to give you an idea if this place or that place might work for you.

If you already have foreign experience, countries such as Mexico, Guatemala, Thailand, Panama and Ecuador have very good cost of living, and you might find that you can live very comfortably on $2,000 or $3,000 per month, or even less.

Take a look at our Annual Spending Update to give you an idea of how we manage. Just to be clear, we have chosen not to own a home in retirement, but rather rent apartments, or house sit, or rent a hotel suite for months at a time. We do not own a vehicle and prefer to use local transport or hire a driver. We also utilize local health care as well, saving us lots of money per year in health insurance premiums.

You have lots of options if you are open to them.

I hope the above information gets you started on your relocation journey. Please feel free to write back if you have more questions, or if you would like to discuss a topic more fully.

Wishing you and your husband all the best in your upcoming retirement.

Best Regards,

Akaisha

Ecuador native culture is fascinating

Ecuador native culture is fascinating

 

Posted in All Things Financial, Housing, Q & A From our Readers, Travel Tips and Insight | Tagged , , , , , , , | 1 Comment

Travel Sickness? Try Motioneaze

I have suffered from motion sickness since I was a child. Though loving to take adventures, traveling in a car, bus, boat or plane always produced that uncomfortable feeling of queasiness, until it was so predictable I simply took a seasickness pill before I ventured out.

For a world traveler, this is a particularly prickly nuisance, since our lifestyle is built on motion. Flying to far-flung countries, taking wooden-masted sailing cruises, riding through rolling mountainous roads, even white water rafting, boogie boarding or body surfing, I lived on those dang seasickness pills. Even with their noticeable side effects it was a better option than the alternative.

Then, for this reason and that, I could no longer take those pills. To say a mild panic took over is being polite. Fleetingly, I imagined my lifestyle changing from one of fairly continuous motion to staying put in one location. This was it. It finally happened; we would be settling down.

I tried to keep my mind open to the possibilities I could use instead, such as ginger candy, powdered ginger capsules, or seasickness acupressure bands. I was discouraged.

Then one evening, during a chance meeting in a restaurant, a friend and fellow world traveler, Lori Grant from Freetirement placed into my hand a small bottle of Motioneaze. She promised that it would work on my motion sickness and that I would be pleased with the results. I was 100% skeptical, and while I thanked her for her kindness and generosity, the rest of what I said was probably pretty whiny.

“No, really,” she said. “It works for me and I’m really bad.”

I whined some more but said I would try it out. I thanked her again and wondered how a little bit of this liquid of natural ingredients at the base of my ears could possibly work.

My first opportunity to give it a whirl was a few days later on a 10 minute chicken bus ride from Panajachel, Guatemala to Solola, the larger town up a very winding hill. One time previously I went pill-free up this hill, only to suffer the consequences, turning green and grasping around for an airsickness bag. Even after arriving, I was sick for 30 minutes until it subsided.

Since then, I have never taken this simple ride without nausea pills.

I want to tell you that this was a big deal for me.

In the interest of the experiment, I tried a little oil behind both of my ears, and with trepidation, boarded the bus. I found myself leaning into curve after curve and feeling… normal. How could this be? On the ride back it was the same feeling of freedom, of being able to enjoy the ride without fear of tossing my breakfast.

The next test was a 25 minute boat ride across Lake Atitlan to San Pedro. I’m telling you I would never, ever attempt this trip without the aid of my chemical pills. Again, drops at the base of my ears and not a hint of nausea.

I graduated to 3 hour shuttle trips to Guatemala City and 10 hour travel days on airplane after airplane and the same feeling of blessed balance was achieved.

Lori knows how grateful I am for this out-of-nowhere, right-into-the-palm-of-my-hand gift she gave me. It’s been life changing for someone like me.

I’m sharing my experience with you in case you also suffer from motion sickness, or have a child or loved one who does. If you would like to travel without chemical aid, try this product out.

You can purchase Motioneaze online at their own website, on Amazon, at your favorite pharmacy or in Wal*Mart. It’s completely natural, works within 5 minutes, even after symptoms have started, and there is no drowsiness. Can be used by both children and adults.

Prices range all over the map depending on the size of the bottle and how many you purchase, so shop wisely. And enjoy your motion-filled life symptom free!

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Financial Advice for a Reader

Q&A with a Reader

Hello Billy and Akaisha,

I just happened to listen to your interview on the World Wanderers podcast and really enjoyed hearing your perspective on early retirement and the travel lifestyle. My wife and I recently quit our jobs to test the concept ourselves. We are currently in Malaysia and are loving things so far.

Both my wife and I are in our early-mid 40’s. We both worked in software and have already had experience living abroad. We have lived/worked outside the US for over 7 years now and enjoy our nomadic lifestyle.

Even before I had heard the term Financial Independence (I only learned of Mr Money Mustache 4 months ago), I had always been careful with my finances. Never had debt. Purchased everything with cash. Saved as much as possible. However, I believe that my biggest failure was never really understanding the world of investment and, more to point, being downright afraid of it. We have our money in many different vehicles but we had never really optimized them so that we could live off them one day. So that we could dip into them while continuing to earn.

After listening to your plea on the podcast to learn how to invest, I was wondering if you would be interested in providing a financial review to help shape our savings into a portfolio that was similar to your approach. We already have some passive income from a condo that we rent, but I want to learn how to make our other investments cover our remaining expense needs while continuing to earn interest.

Have you ever conducted a paid consultation to help guide others in understanding your approaches to successful financial independence? Would you be willing to do so?

Thanks a lot,

Marc

You can retire in this economy – You do have options – Click here to learn how!

Hi Marc,

Thanks for taking the time to write and we are happy you enjoyed the podcast.

In a nut shell we explain our investment approach in our books, The Adventurer’s Guide to Early Retirement and The Possible Dream.

That said, you must be doing something right or you would not be where you are today financially. I commend you on your success.

We have always used the equity markets to create a money machine. Meaning that…rough numbers…our portfolio increases 10%…we live on 4% or less and reinvest the other 6% to cover inflation and added growth. We have been investors for many years including before we retired so we are not afraid of the markets. Sure there have been times when we have been tested, but cooler heads prevailed.

I suggest that if you want to go this route it doesn’t have to be all or nothing. Being 40 you have many years ahead of you and time is on your side. This is your greatest asset. Also at your age I would suggest something like a 60% stocks 40% fixed income…perhaps including your rental in that equation. But at the levels we are currently at in the market, I would suggest moving money into the markets over numerous months.

We have a lot of information on our site regarding our investment plan. Being 63 we are a little more conservative than I would suggest for you but only you know your risk tolerance.

I don’t really do consultations but am willing to help any way I can. If it works for you, that is my reward.

Feel free to write if you have more questions.

Regards,

Billy

 

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