
Hindi: 
हाय मैं क्लार्क हूँ और आज मैं बात करना चाहते हैं
आप करने के लिए पैसे लक्ष्य और थोड़ा के बारे में
हर रोज विकल्प है कि आप नेतृत्व में मदद कर सकते
एक सफल जीवन
[संगीत]
आप में से उन लोगों के लिए मैं से परिचित हूँ कि
हमारे चैनल पर हम आम तौर पर कैसे वीडियो करते हैं
पाल और अद्भुत स्थानों है कि हम जाने के लिए
मैं और मेरी पत्नी के लिए एक 50 वर्षीय पाल
सेलबोट और हम सब पर यात्रा
दुनिया इस वीडियो को एक छोटे से होने जा रहा है
अलग यह एक छोटे से अधिक व्यक्तिगत है
यह मेरे एक तरह से तुम मेरी कहानी बताने है
कैसे मैं जवान रिटायर करने में सक्षम था की और
इस जीवन मैं यह हो सकता है उम्मीद है कि नेतृत्व
एक बहुत से भी आप के लिए प्रेरणादायक
कम उम्र मैं एक जीने के लिए चाहते थे
जानबूझकर जीवन मैं जरूरी नहीं था
इसके लिए नाम वापस तो है, लेकिन मैं
रहना चाहते थे सम्मानपूर्वक मैं करना चाहता था
अपने ही शर्तों पर जीना मैं में रहना चाहते थे

French: 
salut je suis Clark et aujourd'hui, je voudrais parler
vous sur les objectifs d'argent et peu
choix quotidiens qui peuvent vous aider à mener
une vie réussie
[La musique]
pour ceux d'entre vous que je connais
nous faisons normalement notre chaîne vidéos sur la façon dont
à la voile et des endroits merveilleux que nous allons
à ma femme et moi un voile de 50 ans
voilier et nous voyageons partout dans le
monde cette vidéo va être un peu
cela est différent un peu plus personnelle
cela me est une sorte de vous raconter mon histoire
de la façon dont j'ai pu prendre sa retraite jeune et
mener cette vie, je l'espère, il pourrait être
une source d'inspiration pour vous, même d'une très
jeune âge, je voulais vivre une
la vie intentionnelle je ne l'ai pas nécessairement
ont le nom pour lui à l'époque mais je
voulait vivre honorablement que je voulais
vivre sur mes propres termes que je voulais vivre dans

Spanish: 
Hola soy Clark y hoy me gustaría hablar
con usted acerca de las metas de dinero y poco
decisiones diarias que pueden ayudar a llevar
una vida de éxito
[Música]
para aquellos de ustedes que estoy familiarizado con
nuestro canal que normalmente hacemos vídeos sobre cómo
para navegar y lugares maravillosos que pasamos
a mi esposa y yo navegar un 50 años
velero y viajamos por todo el
mundo este video va a ser un poco
diferente este es un poco más personal
esto es mi tipo de que contar mi historia
de cómo yo era capaz de retirarse joven y
llevar esta vida espero que podría ser
de inspiración para que incluso desde una muy
edad temprana he querido vivir una
la vida intencional que no necesariamente
tener el nombre para él en ese entonces, pero me
querido vivir con honor que quería
vivir en mis propios términos que quería vivir en

German: 
hallo ich bin Clark und heute würde Ich mag reden
Sie über Geld Ziele und wenig
alltägliche Entscheidungen, die Ihnen helfen führen
ein erfolgreiches Leben
[Musik]
für diejenigen von Ihnen, dass ich kenne
unser Kanal wir normalerweise tun Videos auf, wie
zu segeln und wunderbare Orte, die wir gehen
meine Frau und ich eine 50 Jahre alt segeln
Segelboot und wir reisen in der ganzen
Welt Dieses Video wird ein wenig sein,
anders ist dies ein wenig persönliche
das ist mir Art von sage Ihnen meine Geschichte
wie konnte ich jung in den Ruhestand und
führen Sie dieses Leben, das ich hoffe, es könnte sein,
inspirierend Sie auch von einem sehr
junges Alter Ich wollte ein leben
vorsätzliche Leben habe ich nicht unbedingt
haben den Namen für sie damals aber ich
leben wollte ich wollte ehrlich zu
leben zu meinen eigenen Bedingungen wollte ich leben in

Hindi: 
एक तरीका है कि सही लेकिन एक तरह से नहीं था
where I was following the herd not in
the way that I was doing what other
people wanted me to do lately there
seems to be a trend for people to live a
little more frugally a little lighter on
the world you see that with tiny house
people my wife used to do that you see
that with us cruisers we live out here
of quite lightly it's and I see that
with a group that's referring to their
idea as fire fi re stands for financial
independence and retire early it's kind
of all the same thing make some money
don't spend everything you make don't
live paycheck to paycheck so that you
can be free and not live a life where
you're just accumulating stuff to to
impress others or impress yourself the
minimalists are kind of doing the same
thing though maybe they're not working

German: 
ein Weg, der in einer Art und Weise richtig, aber nicht war
where I was following the herd not in
the way that I was doing what other
people wanted me to do lately there
seems to be a trend for people to live a
little more frugally a little lighter on
the world you see that with tiny house
people my wife used to do that you see
that with us cruisers we live out here
of quite lightly it's and I see that
with a group that's referring to their
idea as fire fi re stands for financial
independence and retire early it's kind
of all the same thing make some money
don't spend everything you make don't
live paycheck to paycheck so that you
can be free and not live a life where
you're just accumulating stuff to to
impress others or impress yourself the
minimalists are kind of doing the same
thing though maybe they're not working

French: 
d'une manière qui était juste, mais pas d'une manière
where I was following the herd not in
the way that I was doing what other
people wanted me to do lately there
seems to be a trend for people to live a
little more frugally a little lighter on
the world you see that with tiny house
people my wife used to do that you see
that with us cruisers we live out here
of quite lightly it's and I see that
with a group that's referring to their
idea as fire fi re stands for financial
independence and retire early it's kind
of all the same thing make some money
don't spend everything you make don't
live paycheck to paycheck so that you
can be free and not live a life where
you're just accumulating stuff to to
impress others or impress yourself the
minimalists are kind of doing the same
thing though maybe they're not working

Spanish: 
una forma que era correcto, pero no de una manera
where I was following the herd not in
the way that I was doing what other
people wanted me to do lately there
seems to be a trend for people to live a
little more frugally a little lighter on
the world you see that with tiny house
people my wife used to do that you see
that with us cruisers we live out here
of quite lightly it's and I see that
with a group that's referring to their
idea as fire fi re stands for financial
independence and retire early it's kind
of all the same thing make some money
don't spend everything you make don't
live paycheck to paycheck so that you
can be free and not live a life where
you're just accumulating stuff to to
impress others or impress yourself the
minimalists are kind of doing the same
thing though maybe they're not working

Spanish: 
so hard to retire young but they're
still kind of trying to spend less and
not accumulate stuff as their personal
badge I've been living this way for a
very long time
if you're contemplating a lifestyle
change in this direction I thought it
might be helpful to see what happens
when you've done this for like thirty
years
let's start out with my story I grew up
in a farming town in northern New York
State my dad was a barber my mom was a
secretary when I was first born and
became a stay-at-home mom
later on she got a degree and became a
school nurse we didn't have a huge
amount of money we had enough though we
always had food we always had shelter we
never had worries but we just didn't
have enough to have that new fancy car
and trendy clothes and it just wasn't
our thing to try to keep up with the
Joneses I'm really glad I was raised
that way after I finished college I
found a job locally he in northern New

German: 
so hard to retire young but they're
still kind of trying to spend less and
not accumulate stuff as their personal
badge I've been living this way for a
very long time
if you're contemplating a lifestyle
change in this direction I thought it
might be helpful to see what happens
when you've done this for like thirty
years
let's start out with my story I grew up
in a farming town in northern New York
State my dad was a barber my mom was a
secretary when I was first born and
became a stay-at-home mom
later on she got a degree and became a
school nurse we didn't have a huge
amount of money we had enough though we
always had food we always had shelter we
never had worries but we just didn't
have enough to have that new fancy car
and trendy clothes and it just wasn't
our thing to try to keep up with the
Joneses I'm really glad I was raised
that way after I finished college I
found a job locally he in northern New

French: 
so hard to retire young but they're
still kind of trying to spend less and
not accumulate stuff as their personal
badge I've been living this way for a
very long time
if you're contemplating a lifestyle
change in this direction I thought it
might be helpful to see what happens
when you've done this for like thirty
years
let's start out with my story I grew up
in a farming town in northern New York
State my dad was a barber my mom was a
secretary when I was first born and
became a stay-at-home mom
later on she got a degree and became a
school nurse we didn't have a huge
amount of money we had enough though we
always had food we always had shelter we
never had worries but we just didn't
have enough to have that new fancy car
and trendy clothes and it just wasn't
our thing to try to keep up with the
Joneses I'm really glad I was raised
that way after I finished college I
found a job locally he in northern New

Hindi: 
so hard to retire young but they're
still kind of trying to spend less and
not accumulate stuff as their personal
badge I've been living this way for a
very long time
if you're contemplating a lifestyle
change in this direction I thought it
might be helpful to see what happens
when you've done this for like thirty
years
let's start out with my story I grew up
in a farming town in northern New York
State my dad was a barber my mom was a
secretary when I was first born and
became a stay-at-home mom
later on she got a degree and became a
school nurse we didn't have a huge
amount of money we had enough though we
always had food we always had shelter we
never had worries but we just didn't
have enough to have that new fancy car
and trendy clothes and it just wasn't
our thing to try to keep up with the
Joneses I'm really glad I was raised
that way after I finished college I
found a job locally he in northern New

German: 
York it wasn't a great job it's not a
really industrial or technological part
of the world and I do tech and also it
was the middle of the recession in the
80s this recession was bad the
unemployment numbers were worse than the
2007 recession that well wiki calls the
Great Recession so it was the job I
could find I was a little bored with the
job and it didn't pay very well because
that job was so boring I started
consulting during the day I started
meeting with local businesses and
showing them how to use a PC PCs had
just come out I mean they were the first
ones but right along with the first pcs
were the first clones so I would show
them they could save a lot of money by
buying a clone I'll help him buy them I
would write custom software for them
sometimes sometimes I would just show
them how to use word processors but
anyway um it taught me that I could be a

Hindi: 
York it wasn't a great job it's not a
really industrial or technological part
of the world and I do tech and also it
was the middle of the recession in the
80s this recession was bad the
unemployment numbers were worse than the
2007 recession that well wiki calls the
Great Recession so it was the job I
could find I was a little bored with the
job and it didn't pay very well because
that job was so boring I started
consulting during the day I started
meeting with local businesses and
showing them how to use a PC PCs had
just come out I mean they were the first
ones but right along with the first pcs
were the first clones so I would show
them they could save a lot of money by
buying a clone I'll help him buy them I
would write custom software for them
sometimes sometimes I would just show
them how to use word processors but
anyway um it taught me that I could be a

Spanish: 
York it wasn't a great job it's not a
really industrial or technological part
of the world and I do tech and also it
was the middle of the recession in the
80s this recession was bad the
unemployment numbers were worse than the
2007 recession that well wiki calls the
Great Recession so it was the job I
could find I was a little bored with the
job and it didn't pay very well because
that job was so boring I started
consulting during the day I started
meeting with local businesses and
showing them how to use a PC PCs had
just come out I mean they were the first
ones but right along with the first pcs
were the first clones so I would show
them they could save a lot of money by
buying a clone I'll help him buy them I
would write custom software for them
sometimes sometimes I would just show
them how to use word processors but
anyway um it taught me that I could be a

French: 
York it wasn't a great job it's not a
really industrial or technological part
of the world and I do tech and also it
was the middle of the recession in the
80s this recession was bad the
unemployment numbers were worse than the
2007 recession that well wiki calls the
Great Recession so it was the job I
could find I was a little bored with the
job and it didn't pay very well because
that job was so boring I started
consulting during the day I started
meeting with local businesses and
showing them how to use a PC PCs had
just come out I mean they were the first
ones but right along with the first pcs
were the first clones so I would show
them they could save a lot of money by
buying a clone I'll help him buy them I
would write custom software for them
sometimes sometimes I would just show
them how to use word processors but
anyway um it taught me that I could be a

Hindi: 
consultant basically I didn't have to
necessarily work for a company with a
paycheck I did a little better I bought
a sailboat
I bought a 25 foot sailboat and I had
never owned a sailboat before I had only
been sailing like twice in my life at
that point I worked at a kid's camp and
found some sailboats and ended up
teaching sailing that was the first time
I ever did it but sailing really
intrigued me so I bought this boat and
I'm sailing it around Lake Ontario
and one day I found myself out at some
little island on Lake Ontario alone no
friends came that day and I'm reading a
magazine
cruising world I think it was and it had
an article on the economics of well
living the lifestyle I have now and I
realized it's achievable it you know
it's it's a big deal but it's not
something that can't be done I knew I
was gonna have to work hard I knew I was

French: 
consultant basically I didn't have to
necessarily work for a company with a
paycheck I did a little better I bought
a sailboat
I bought a 25 foot sailboat and I had
never owned a sailboat before I had only
been sailing like twice in my life at
that point I worked at a kid's camp and
found some sailboats and ended up
teaching sailing that was the first time
I ever did it but sailing really
intrigued me so I bought this boat and
I'm sailing it around Lake Ontario
and one day I found myself out at some
little island on Lake Ontario alone no
friends came that day and I'm reading a
magazine
cruising world I think it was and it had
an article on the economics of well
living the lifestyle I have now and I
realized it's achievable it you know
it's it's a big deal but it's not
something that can't be done I knew I
was gonna have to work hard I knew I was

Spanish: 
consultant basically I didn't have to
necessarily work for a company with a
paycheck I did a little better I bought
a sailboat
I bought a 25 foot sailboat and I had
never owned a sailboat before I had only
been sailing like twice in my life at
that point I worked at a kid's camp and
found some sailboats and ended up
teaching sailing that was the first time
I ever did it but sailing really
intrigued me so I bought this boat and
I'm sailing it around Lake Ontario
and one day I found myself out at some
little island on Lake Ontario alone no
friends came that day and I'm reading a
magazine
cruising world I think it was and it had
an article on the economics of well
living the lifestyle I have now and I
realized it's achievable it you know
it's it's a big deal but it's not
something that can't be done I knew I
was gonna have to work hard I knew I was

German: 
consultant basically I didn't have to
necessarily work for a company with a
paycheck I did a little better I bought
a sailboat
I bought a 25 foot sailboat and I had
never owned a sailboat before I had only
been sailing like twice in my life at
that point I worked at a kid's camp and
found some sailboats and ended up
teaching sailing that was the first time
I ever did it but sailing really
intrigued me so I bought this boat and
I'm sailing it around Lake Ontario
and one day I found myself out at some
little island on Lake Ontario alone no
friends came that day and I'm reading a
magazine
cruising world I think it was and it had
an article on the economics of well
living the lifestyle I have now and I
realized it's achievable it you know
it's it's a big deal but it's not
something that can't be done I knew I
was gonna have to work hard I knew I was

Hindi: 
gonna have to take some risks but I
became kind of a goal for me to try to
retire young and get out and see the
world on these terms it was it was
really important that article changed my
life so pretty short order after that I
found a contracting gig in Austin Texas
I helped IBM develop os/2 I quit my day
job big risk there because I was just
hired to come and do if they didn't like
me they would kick me out but there was
more money and it was a much more
interesting project that one went well
um I started doing some other projects
and next thing you know my client list
was IBM Boeing Starbucks AT&T a bunch of
other ones you haven't heard of but
doing interesting things I was
successful by basically anybody standard
and I didn't quite live like other

German: 
gonna have to take some risks but I
became kind of a goal for me to try to
retire young and get out and see the
world on these terms it was it was
really important that article changed my
life so pretty short order after that I
found a contracting gig in Austin Texas
I helped IBM develop os/2 I quit my day
job big risk there because I was just
hired to come and do if they didn't like
me they would kick me out but there was
more money and it was a much more
interesting project that one went well
um I started doing some other projects
and next thing you know my client list
was IBM Boeing Starbucks AT&T a bunch of
other ones you haven't heard of but
doing interesting things I was
successful by basically anybody standard
and I didn't quite live like other

Spanish: 
gonna have to take some risks but I
became kind of a goal for me to try to
retire young and get out and see the
world on these terms it was it was
really important that article changed my
life so pretty short order after that I
found a contracting gig in Austin Texas
I helped IBM develop os/2 I quit my day
job big risk there because I was just
hired to come and do if they didn't like
me they would kick me out but there was
more money and it was a much more
interesting project that one went well
um I started doing some other projects
and next thing you know my client list
was IBM Boeing Starbucks AT&T a bunch of
other ones you haven't heard of but
doing interesting things I was
successful by basically anybody standard
and I didn't quite live like other

French: 
gonna have to take some risks but I
became kind of a goal for me to try to
retire young and get out and see the
world on these terms it was it was
really important that article changed my
life so pretty short order after that I
found a contracting gig in Austin Texas
I helped IBM develop os/2 I quit my day
job big risk there because I was just
hired to come and do if they didn't like
me they would kick me out but there was
more money and it was a much more
interesting project that one went well
um I started doing some other projects
and next thing you know my client list
was IBM Boeing Starbucks AT&T a bunch of
other ones you haven't heard of but
doing interesting things I was
successful by basically anybody standard
and I didn't quite live like other

Hindi: 
people who were doing what I was doing I
was still a barber son I really didn't
have this concept that money was
happiness that stuff was happiness for
me money was freedom chips a way to not
have to work later I had this saying
that if you make more than you spend
you're rich and if you spend more than
you make you're poor and the scale of it
doesn't matter this is before Donald
Trump was president or anything like
that he was like my poster child of how
not to live to be in bankruptcy every
five years you know it didn't matter if
he was doing it at a million dollar
level as far as I was concerned he was
poor I tried to be rich so I lived on
the rich side of that I put money away
and I invested it and
I set myself up to be able to retire
young but not to say I didn't spend
anything when I was 27 I sold my 25-foot
boat and I bought a larger one I bought
the one that I'm well sitting in right
now

French: 
people who were doing what I was doing I
was still a barber son I really didn't
have this concept that money was
happiness that stuff was happiness for
me money was freedom chips a way to not
have to work later I had this saying
that if you make more than you spend
you're rich and if you spend more than
you make you're poor and the scale of it
doesn't matter this is before Donald
Trump was president or anything like
that he was like my poster child of how
not to live to be in bankruptcy every
five years you know it didn't matter if
he was doing it at a million dollar
level as far as I was concerned he was
poor I tried to be rich so I lived on
the rich side of that I put money away
and I invested it and
I set myself up to be able to retire
young but not to say I didn't spend
anything when I was 27 I sold my 25-foot
boat and I bought a larger one I bought
the one that I'm well sitting in right
now

German: 
people who were doing what I was doing I
was still a barber son I really didn't
have this concept that money was
happiness that stuff was happiness for
me money was freedom chips a way to not
have to work later I had this saying
that if you make more than you spend
you're rich and if you spend more than
you make you're poor and the scale of it
doesn't matter this is before Donald
Trump was president or anything like
that he was like my poster child of how
not to live to be in bankruptcy every
five years you know it didn't matter if
he was doing it at a million dollar
level as far as I was concerned he was
poor I tried to be rich so I lived on
the rich side of that I put money away
and I invested it and
I set myself up to be able to retire
young but not to say I didn't spend
anything when I was 27 I sold my 25-foot
boat and I bought a larger one I bought
the one that I'm well sitting in right
now

Spanish: 
people who were doing what I was doing I
was still a barber son I really didn't
have this concept that money was
happiness that stuff was happiness for
me money was freedom chips a way to not
have to work later I had this saying
that if you make more than you spend
you're rich and if you spend more than
you make you're poor and the scale of it
doesn't matter this is before Donald
Trump was president or anything like
that he was like my poster child of how
not to live to be in bankruptcy every
five years you know it didn't matter if
he was doing it at a million dollar
level as far as I was concerned he was
poor I tried to be rich so I lived on
the rich side of that I put money away
and I invested it and
I set myself up to be able to retire
young but not to say I didn't spend
anything when I was 27 I sold my 25-foot
boat and I bought a larger one I bought
the one that I'm well sitting in right
now

French: 
I spent fifty five thousand dollars on
her she's um she can cross oceans she is
a very sound halt but she was in bad
shape so I had to tear down and build
her back up
it took about eight or ten years of work
while I was working and during those
eight or ten years I did a lot of work
on myself - I prepared myself for this
long voyage one advantage of buying a
boat as you're well obsession or hobby
is it can be home so I did save some
money by not having an apartment anymore
I just moved right aboard the boat of
course the boat and it slipped cost what
much more than the apartment but I was
gonna have the boat anyway so I tried to
save money any way I could in 2000 I was
36 years old and I realized I had enough
not enough in frustration I loved my job
but I had enough money put away I had
enough to achieve my dreams and I wasn't
going to just keep chasing something so
the right thing for me to do at the time

Hindi: 
I spent fifty five thousand dollars on
her she's um she can cross oceans she is
a very sound halt but she was in bad
shape so I had to tear down and build
her back up
it took about eight or ten years of work
while I was working and during those
eight or ten years I did a lot of work
on myself - I prepared myself for this
long voyage one advantage of buying a
boat as you're well obsession or hobby
is it can be home so I did save some
money by not having an apartment anymore
I just moved right aboard the boat of
course the boat and it slipped cost what
much more than the apartment but I was
gonna have the boat anyway so I tried to
save money any way I could in 2000 I was
36 years old and I realized I had enough
not enough in frustration I loved my job
but I had enough money put away I had
enough to achieve my dreams and I wasn't
going to just keep chasing something so
the right thing for me to do at the time

Spanish: 
I spent fifty five thousand dollars on
her she's um she can cross oceans she is
a very sound halt but she was in bad
shape so I had to tear down and build
her back up
it took about eight or ten years of work
while I was working and during those
eight or ten years I did a lot of work
on myself - I prepared myself for this
long voyage one advantage of buying a
boat as you're well obsession or hobby
is it can be home so I did save some
money by not having an apartment anymore
I just moved right aboard the boat of
course the boat and it slipped cost what
much more than the apartment but I was
gonna have the boat anyway so I tried to
save money any way I could in 2000 I was
36 years old and I realized I had enough
not enough in frustration I loved my job
but I had enough money put away I had
enough to achieve my dreams and I wasn't
going to just keep chasing something so
the right thing for me to do at the time

German: 
I spent fifty five thousand dollars on
her she's um she can cross oceans she is
a very sound halt but she was in bad
shape so I had to tear down and build
her back up
it took about eight or ten years of work
while I was working and during those
eight or ten years I did a lot of work
on myself - I prepared myself for this
long voyage one advantage of buying a
boat as you're well obsession or hobby
is it can be home so I did save some
money by not having an apartment anymore
I just moved right aboard the boat of
course the boat and it slipped cost what
much more than the apartment but I was
gonna have the boat anyway so I tried to
save money any way I could in 2000 I was
36 years old and I realized I had enough
not enough in frustration I loved my job
but I had enough money put away I had
enough to achieve my dreams and I wasn't
going to just keep chasing something so
the right thing for me to do at the time

Hindi: 
was to close down my corporation right
at the height of my income and take off
sailing it was a wonderful time to be be
an engineer there was the tech boom
going on it was really great
closed it all down got in my boat and
went south literally within months the
tech boom bubble crashed the market tove
I lost so much money in the market but
since I had this minimalist mindset and
since I really was living on very little
money before when I was saving I just
tightened my belt stayed at this lower
income level as it were and rode it
through since I didn't spend spend my
principal it came back it took a while
but it came back the point is I was able
to live on very little and actually on
sailing was easier because there weren't
commercials in my face saying buy this
be happy by this be happy I had a
beautiful dive to go down and look at
fish that cost nothing over the next
twenty

German: 
was to close down my corporation right
at the height of my income and take off
sailing it was a wonderful time to be be
an engineer there was the tech boom
going on it was really great
closed it all down got in my boat and
went south literally within months the
tech boom bubble crashed the market tove
I lost so much money in the market but
since I had this minimalist mindset and
since I really was living on very little
money before when I was saving I just
tightened my belt stayed at this lower
income level as it were and rode it
through since I didn't spend spend my
principal it came back it took a while
but it came back the point is I was able
to live on very little and actually on
sailing was easier because there weren't
commercials in my face saying buy this
be happy by this be happy I had a
beautiful dive to go down and look at
fish that cost nothing over the next
twenty

French: 
was to close down my corporation right
at the height of my income and take off
sailing it was a wonderful time to be be
an engineer there was the tech boom
going on it was really great
closed it all down got in my boat and
went south literally within months the
tech boom bubble crashed the market tove
I lost so much money in the market but
since I had this minimalist mindset and
since I really was living on very little
money before when I was saving I just
tightened my belt stayed at this lower
income level as it were and rode it
through since I didn't spend spend my
principal it came back it took a while
but it came back the point is I was able
to live on very little and actually on
sailing was easier because there weren't
commercials in my face saying buy this
be happy by this be happy I had a
beautiful dive to go down and look at
fish that cost nothing over the next
twenty

Spanish: 
was to close down my corporation right
at the height of my income and take off
sailing it was a wonderful time to be be
an engineer there was the tech boom
going on it was really great
closed it all down got in my boat and
went south literally within months the
tech boom bubble crashed the market tove
I lost so much money in the market but
since I had this minimalist mindset and
since I really was living on very little
money before when I was saving I just
tightened my belt stayed at this lower
income level as it were and rode it
through since I didn't spend spend my
principal it came back it took a while
but it came back the point is I was able
to live on very little and actually on
sailing was easier because there weren't
commercials in my face saying buy this
be happy by this be happy I had a
beautiful dive to go down and look at
fish that cost nothing over the next
twenty

Spanish: 
years I sailed this boat 20,000 ocean
miles I visited 14% of the world's
countries I had some amazing adventures
all because of the decisions I made in
my 20s I have been able to live a life
sailing I've been able to visit the warm
parts of the world get close and
personal and meet other cultures hang
out with some really cool people now in
55 um I've got friends who are still
working and hoping to retire I have got
friends that didn't make it to retire
they're dead they're never gonna have
these adventures I'm so glad that I made
those decisions in my 20s and I stuck
with them in my 30s and 40s and it's
given me such such a wonderful life I
want to encourage you regardless of your
age to live your best life come up with
a plan and stick with the plan I can
tell you that little every day choices

Hindi: 
years I sailed this boat 20,000 ocean
miles I visited 14% of the world's
countries I had some amazing adventures
all because of the decisions I made in
my 20s I have been able to live a life
sailing I've been able to visit the warm
parts of the world get close and
personal and meet other cultures hang
out with some really cool people now in
55 um I've got friends who are still
working and hoping to retire I have got
friends that didn't make it to retire
they're dead they're never gonna have
these adventures I'm so glad that I made
those decisions in my 20s and I stuck
with them in my 30s and 40s and it's
given me such such a wonderful life I
want to encourage you regardless of your
age to live your best life come up with
a plan and stick with the plan I can
tell you that little every day choices

French: 
years I sailed this boat 20,000 ocean
miles I visited 14% of the world's
countries I had some amazing adventures
all because of the decisions I made in
my 20s I have been able to live a life
sailing I've been able to visit the warm
parts of the world get close and
personal and meet other cultures hang
out with some really cool people now in
55 um I've got friends who are still
working and hoping to retire I have got
friends that didn't make it to retire
they're dead they're never gonna have
these adventures I'm so glad that I made
those decisions in my 20s and I stuck
with them in my 30s and 40s and it's
given me such such a wonderful life I
want to encourage you regardless of your
age to live your best life come up with
a plan and stick with the plan I can
tell you that little every day choices

German: 
years I sailed this boat 20,000 ocean
miles I visited 14% of the world's
countries I had some amazing adventures
all because of the decisions I made in
my 20s I have been able to live a life
sailing I've been able to visit the warm
parts of the world get close and
personal and meet other cultures hang
out with some really cool people now in
55 um I've got friends who are still
working and hoping to retire I have got
friends that didn't make it to retire
they're dead they're never gonna have
these adventures I'm so glad that I made
those decisions in my 20s and I stuck
with them in my 30s and 40s and it's
given me such such a wonderful life I
want to encourage you regardless of your
age to live your best life come up with
a plan and stick with the plan I can
tell you that little every day choices

Spanish: 
can make a huge difference in adding up
to a wonderful life how do you do this
where do you start I started with
something that I call the economy of
enough the economy of enough boils down
to two things number one understand your
goals what makes you happy what will
make you happy
you're thinking about your whole life
here for me it was having financial
independence and having the freedom to
go off sailing for you it's going to be
something else but decide what that is
you have to choose something that's
actually achievable if it's not
achievable you're never gonna get there
and you have to find it exciting if it
doesn't excite you there's no sense
living a life without passion choose
wisely you only get to make this choice
once it's just not gonna be time to
restart once you have an achievable
exciting goal that's your definition of
enough it's enough to make you happy

French: 
can make a huge difference in adding up
to a wonderful life how do you do this
where do you start I started with
something that I call the economy of
enough the economy of enough boils down
to two things number one understand your
goals what makes you happy what will
make you happy
you're thinking about your whole life
here for me it was having financial
independence and having the freedom to
go off sailing for you it's going to be
something else but decide what that is
you have to choose something that's
actually achievable if it's not
achievable you're never gonna get there
and you have to find it exciting if it
doesn't excite you there's no sense
living a life without passion choose
wisely you only get to make this choice
once it's just not gonna be time to
restart once you have an achievable
exciting goal that's your definition of
enough it's enough to make you happy

Hindi: 
can make a huge difference in adding up
to a wonderful life how do you do this
where do you start I started with
something that I call the economy of
enough the economy of enough boils down
to two things number one understand your
goals what makes you happy what will
make you happy
you're thinking about your whole life
here for me it was having financial
independence and having the freedom to
go off sailing for you it's going to be
something else but decide what that is
you have to choose something that's
actually achievable if it's not
achievable you're never gonna get there
and you have to find it exciting if it
doesn't excite you there's no sense
living a life without passion choose
wisely you only get to make this choice
once it's just not gonna be time to
restart once you have an achievable
exciting goal that's your definition of
enough it's enough to make you happy

German: 
can make a huge difference in adding up
to a wonderful life how do you do this
where do you start I started with
something that I call the economy of
enough the economy of enough boils down
to two things number one understand your
goals what makes you happy what will
make you happy
you're thinking about your whole life
here for me it was having financial
independence and having the freedom to
go off sailing for you it's going to be
something else but decide what that is
you have to choose something that's
actually achievable if it's not
achievable you're never gonna get there
and you have to find it exciting if it
doesn't excite you there's no sense
living a life without passion choose
wisely you only get to make this choice
once it's just not gonna be time to
restart once you have an achievable
exciting goal that's your definition of
enough it's enough to make you happy

Spanish: 
it's enough to give your life meaning
and it's enough to keep you going most
importantly it's a point that you can
reach if you don't have a definition of
enough you're cursed to chase more and
more is just never
without that definition of enough
knowing and knowing that you've
succeeded to get to it a million isn't
enough 10 million isn't enough the whole
world wouldn't be enough you need to
have your own definition of enough to
find happiness number two commit to
making daily choices that will let you
get to your goal this is how you're
going to use a little of that chasing
more to get to you're enough if your
life goal requires any money at all and
let's face it they all do you're gonna
need some money
achieving my goal of retiring young and
finding financial independence had a lot
to do with my saving and spending habits
most of what I'm going to talk about now

Hindi: 
it's enough to give your life meaning
and it's enough to keep you going most
importantly it's a point that you can
reach if you don't have a definition of
enough you're cursed to chase more and
more is just never
without that definition of enough
knowing and knowing that you've
succeeded to get to it a million isn't
enough 10 million isn't enough the whole
world wouldn't be enough you need to
have your own definition of enough to
find happiness number two commit to
making daily choices that will let you
get to your goal this is how you're
going to use a little of that chasing
more to get to you're enough if your
life goal requires any money at all and
let's face it they all do you're gonna
need some money
achieving my goal of retiring young and
finding financial independence had a lot
to do with my saving and spending habits
most of what I'm going to talk about now

French: 
it's enough to give your life meaning
and it's enough to keep you going most
importantly it's a point that you can
reach if you don't have a definition of
enough you're cursed to chase more and
more is just never
without that definition of enough
knowing and knowing that you've
succeeded to get to it a million isn't
enough 10 million isn't enough the whole
world wouldn't be enough you need to
have your own definition of enough to
find happiness number two commit to
making daily choices that will let you
get to your goal this is how you're
going to use a little of that chasing
more to get to you're enough if your
life goal requires any money at all and
let's face it they all do you're gonna
need some money
achieving my goal of retiring young and
finding financial independence had a lot
to do with my saving and spending habits
most of what I'm going to talk about now

German: 
it's enough to give your life meaning
and it's enough to keep you going most
importantly it's a point that you can
reach if you don't have a definition of
enough you're cursed to chase more and
more is just never
without that definition of enough
knowing and knowing that you've
succeeded to get to it a million isn't
enough 10 million isn't enough the whole
world wouldn't be enough you need to
have your own definition of enough to
find happiness number two commit to
making daily choices that will let you
get to your goal this is how you're
going to use a little of that chasing
more to get to you're enough if your
life goal requires any money at all and
let's face it they all do you're gonna
need some money
achieving my goal of retiring young and
finding financial independence had a lot
to do with my saving and spending habits
most of what I'm going to talk about now

Spanish: 
is about saving money how to build
wealth through delayed gratification
what do I mean by that let me first tell
you about marshmallows there's a really
well-known and simple psychological test
that's given to kids and it's like the
best indicator of how well they'll do in
later life it's called the marshmallow
test and how it works is the the
researcher gives this little kid a
marshmallow and he says you know like
this is your marshmallow you can eat it
you do whatever you want but if you
don't eat it and we leave the room for a
bit and if you don't eat it when I come
back if you still have the marshmallow
I'm gonna give you another marshmallow
now is a really cool test you can just
google it look it up on YouTube and it's
fun to watch because this little kids
trying not to eat marshmallows the point
is though that the kids that can delay
gratification the kids that don't eat
their marshmallow are the kids that
later on in life can like not have that
$5 Starbucks coffee because they can no

German: 
is about saving money how to build
wealth through delayed gratification
what do I mean by that let me first tell
you about marshmallows there's a really
well-known and simple psychological test
that's given to kids and it's like the
best indicator of how well they'll do in
later life it's called the marshmallow
test and how it works is the the
researcher gives this little kid a
marshmallow and he says you know like
this is your marshmallow you can eat it
you do whatever you want but if you
don't eat it and we leave the room for a
bit and if you don't eat it when I come
back if you still have the marshmallow
I'm gonna give you another marshmallow
now is a really cool test you can just
google it look it up on YouTube and it's
fun to watch because this little kids
trying not to eat marshmallows the point
is though that the kids that can delay
gratification the kids that don't eat
their marshmallow are the kids that
later on in life can like not have that
$5 Starbucks coffee because they can no

Hindi: 
is about saving money how to build
wealth through delayed gratification
what do I mean by that let me first tell
you about marshmallows there's a really
well-known and simple psychological test
that's given to kids and it's like the
best indicator of how well they'll do in
later life it's called the marshmallow
test and how it works is the the
researcher gives this little kid a
marshmallow and he says you know like
this is your marshmallow you can eat it
you do whatever you want but if you
don't eat it and we leave the room for a
bit and if you don't eat it when I come
back if you still have the marshmallow
I'm gonna give you another marshmallow
now is a really cool test you can just
google it look it up on YouTube and it's
fun to watch because this little kids
trying not to eat marshmallows the point
is though that the kids that can delay
gratification the kids that don't eat
their marshmallow are the kids that
later on in life can like not have that
$5 Starbucks coffee because they can no

French: 
is about saving money how to build
wealth through delayed gratification
what do I mean by that let me first tell
you about marshmallows there's a really
well-known and simple psychological test
that's given to kids and it's like the
best indicator of how well they'll do in
later life it's called the marshmallow
test and how it works is the the
researcher gives this little kid a
marshmallow and he says you know like
this is your marshmallow you can eat it
you do whatever you want but if you
don't eat it and we leave the room for a
bit and if you don't eat it when I come
back if you still have the marshmallow
I'm gonna give you another marshmallow
now is a really cool test you can just
google it look it up on YouTube and it's
fun to watch because this little kids
trying not to eat marshmallows the point
is though that the kids that can delay
gratification the kids that don't eat
their marshmallow are the kids that
later on in life can like not have that
$5 Starbucks coffee because they can no

Hindi: 
five extra bucks in my Schwab account
it's gonna mean like ten thousand
dollars when I need it it's just the way
you should live life it's so telling of
a test if I had kids I'd give the kids
the test and I'd use it as a training
thing I just give them the test
occasionally until they got it until
they realized hey if I don't eat the
marshmallow I get two marshmallows I
think it would train a kid later in life
I think in our society most people eat
their marshmallows right away and I'm
gonna teach you or tell you how I anyway
got to financial success by saving
marshmallows by putting off these
instant gratification purchases and
saving the money for when I can do
really cool stuff with it and have
freedom let's talk about the way to save
up some marshmallows number one we're
gonna talk about work when it comes to
work choose a profession that you're
good at but choose a profession that is
something people want and choose

Spanish: 
five extra bucks in my Schwab account
it's gonna mean like ten thousand
dollars when I need it it's just the way
you should live life it's so telling of
a test if I had kids I'd give the kids
the test and I'd use it as a training
thing I just give them the test
occasionally until they got it until
they realized hey if I don't eat the
marshmallow I get two marshmallows I
think it would train a kid later in life
I think in our society most people eat
their marshmallows right away and I'm
gonna teach you or tell you how I anyway
got to financial success by saving
marshmallows by putting off these
instant gratification purchases and
saving the money for when I can do
really cool stuff with it and have
freedom let's talk about the way to save
up some marshmallows number one we're
gonna talk about work when it comes to
work choose a profession that you're
good at but choose a profession that is
something people want and choose

French: 
five extra bucks in my Schwab account
it's gonna mean like ten thousand
dollars when I need it it's just the way
you should live life it's so telling of
a test if I had kids I'd give the kids
the test and I'd use it as a training
thing I just give them the test
occasionally until they got it until
they realized hey if I don't eat the
marshmallow I get two marshmallows I
think it would train a kid later in life
I think in our society most people eat
their marshmallows right away and I'm
gonna teach you or tell you how I anyway
got to financial success by saving
marshmallows by putting off these
instant gratification purchases and
saving the money for when I can do
really cool stuff with it and have
freedom let's talk about the way to save
up some marshmallows number one we're
gonna talk about work when it comes to
work choose a profession that you're
good at but choose a profession that is
something people want and choose

German: 
five extra bucks in my Schwab account
it's gonna mean like ten thousand
dollars when I need it it's just the way
you should live life it's so telling of
a test if I had kids I'd give the kids
the test and I'd use it as a training
thing I just give them the test
occasionally until they got it until
they realized hey if I don't eat the
marshmallow I get two marshmallows I
think it would train a kid later in life
I think in our society most people eat
their marshmallows right away and I'm
gonna teach you or tell you how I anyway
got to financial success by saving
marshmallows by putting off these
instant gratification purchases and
saving the money for when I can do
really cool stuff with it and have
freedom let's talk about the way to save
up some marshmallows number one we're
gonna talk about work when it comes to
work choose a profession that you're
good at but choose a profession that is
something people want and choose

Spanish: 
something that pays well
any minimalists think that money just
doesn't matter
and they go into jobs that just don't
pay well it's important to actually make
money if you're gonna follow this model
while you're young in a small amount of
time or you're not gonna be able to
retire young so again find something
that people need do it really well and
demand a fair payment for your efforts
the world basically doesn't need another
waiter what we need is a welder there's
always a demand for welders you put six
months into learning to weld and you're
gonna get paid well
bottom line understand the economy of
what's valued out there and pursue a
career that will let you maximize your
income early the next topic is savings
you need a long term savings account for
your retirement and you need a short
term working savings account just to
live off of

Hindi: 
something that pays well
any minimalists think that money just
doesn't matter
and they go into jobs that just don't
pay well it's important to actually make
money if you're gonna follow this model
while you're young in a small amount of
time or you're not gonna be able to
retire young so again find something
that people need do it really well and
demand a fair payment for your efforts
the world basically doesn't need another
waiter what we need is a welder there's
always a demand for welders you put six
months into learning to weld and you're
gonna get paid well
bottom line understand the economy of
what's valued out there and pursue a
career that will let you maximize your
income early the next topic is savings
you need a long term savings account for
your retirement and you need a short
term working savings account just to
live off of

German: 
something that pays well
any minimalists think that money just
doesn't matter
and they go into jobs that just don't
pay well it's important to actually make
money if you're gonna follow this model
while you're young in a small amount of
time or you're not gonna be able to
retire young so again find something
that people need do it really well and
demand a fair payment for your efforts
the world basically doesn't need another
waiter what we need is a welder there's
always a demand for welders you put six
months into learning to weld and you're
gonna get paid well
bottom line understand the economy of
what's valued out there and pursue a
career that will let you maximize your
income early the next topic is savings
you need a long term savings account for
your retirement and you need a short
term working savings account just to
live off of

French: 
something that pays well
any minimalists think that money just
doesn't matter
and they go into jobs that just don't
pay well it's important to actually make
money if you're gonna follow this model
while you're young in a small amount of
time or you're not gonna be able to
retire young so again find something
that people need do it really well and
demand a fair payment for your efforts
the world basically doesn't need another
waiter what we need is a welder there's
always a demand for welders you put six
months into learning to weld and you're
gonna get paid well
bottom line understand the economy of
what's valued out there and pursue a
career that will let you maximize your
income early the next topic is savings
you need a long term savings account for
your retirement and you need a short
term working savings account just to
live off of

Spanish: 
whenever money comes in pay yourself
take some of that money and put it in
that long term savings once it's in
there its invested it never comes out
again until you are retired you don't
say there's a big expensive toy I want
it I'll use that nope that money is is
just blocked your short-term account is
what you need to live on you shouldn't
be going paycheck to paycheck you
actually should be moving using money in
that account that's a little bit old if
you're spending everything in that
account you're doing it wrong you you
should have a
enough left over in this account to
actually slip some more into that
investment account when you do write
that check to yourself because you saved
some money on not buying a latte or
whatever you should feel really good the
brain chemistry you make in this is
important part of it you should
celebrate when you're able to put more

Hindi: 
whenever money comes in pay yourself
take some of that money and put it in
that long term savings once it's in
there its invested it never comes out
again until you are retired you don't
say there's a big expensive toy I want
it I'll use that nope that money is is
just blocked your short-term account is
what you need to live on you shouldn't
be going paycheck to paycheck you
actually should be moving using money in
that account that's a little bit old if
you're spending everything in that
account you're doing it wrong you you
should have a
enough left over in this account to
actually slip some more into that
investment account when you do write
that check to yourself because you saved
some money on not buying a latte or
whatever you should feel really good the
brain chemistry you make in this is
important part of it you should
celebrate when you're able to put more

German: 
whenever money comes in pay yourself
take some of that money and put it in
that long term savings once it's in
there its invested it never comes out
again until you are retired you don't
say there's a big expensive toy I want
it I'll use that nope that money is is
just blocked your short-term account is
what you need to live on you shouldn't
be going paycheck to paycheck you
actually should be moving using money in
that account that's a little bit old if
you're spending everything in that
account you're doing it wrong you you
should have a
enough left over in this account to
actually slip some more into that
investment account when you do write
that check to yourself because you saved
some money on not buying a latte or
whatever you should feel really good the
brain chemistry you make in this is
important part of it you should
celebrate when you're able to put more

French: 
whenever money comes in pay yourself
take some of that money and put it in
that long term savings once it's in
there its invested it never comes out
again until you are retired you don't
say there's a big expensive toy I want
it I'll use that nope that money is is
just blocked your short-term account is
what you need to live on you shouldn't
be going paycheck to paycheck you
actually should be moving using money in
that account that's a little bit old if
you're spending everything in that
account you're doing it wrong you you
should have a
enough left over in this account to
actually slip some more into that
investment account when you do write
that check to yourself because you saved
some money on not buying a latte or
whatever you should feel really good the
brain chemistry you make in this is
important part of it you should
celebrate when you're able to put more

German: 
money in that long-term retirement
account let's talk about spending you
should decide what you can spend based
on what you need not based on how much
money is in your account you want to
avoid lifestyle inflation especially
when you're in 20s and your 30s your
peers are gonna start spending a lot of
money around you you're not keeping up
with them you're living a different life
avoid the temptation to spend that extra
money to show your success live below
your means you've got a longer goal in
mind let's talk about skills our society
spends a lot of money on convenience
basically paying for other people's time
artists saving money is learning how to
do stuff for yourself for example your
car needs an oil change you can pay
someone to do it but you can do it
yourself and once you've done it you now
know how to do it trust me
it's trivial brake pads same thing
really really easy job you can do it in
a driveway someplace once you've learned
to do that

French: 
money in that long-term retirement
account let's talk about spending you
should decide what you can spend based
on what you need not based on how much
money is in your account you want to
avoid lifestyle inflation especially
when you're in 20s and your 30s your
peers are gonna start spending a lot of
money around you you're not keeping up
with them you're living a different life
avoid the temptation to spend that extra
money to show your success live below
your means you've got a longer goal in
mind let's talk about skills our society
spends a lot of money on convenience
basically paying for other people's time
artists saving money is learning how to
do stuff for yourself for example your
car needs an oil change you can pay
someone to do it but you can do it
yourself and once you've done it you now
know how to do it trust me
it's trivial brake pads same thing
really really easy job you can do it in
a driveway someplace once you've learned
to do that

Spanish: 
money in that long-term retirement
account let's talk about spending you
should decide what you can spend based
on what you need not based on how much
money is in your account you want to
avoid lifestyle inflation especially
when you're in 20s and your 30s your
peers are gonna start spending a lot of
money around you you're not keeping up
with them you're living a different life
avoid the temptation to spend that extra
money to show your success live below
your means you've got a longer goal in
mind let's talk about skills our society
spends a lot of money on convenience
basically paying for other people's time
artists saving money is learning how to
do stuff for yourself for example your
car needs an oil change you can pay
someone to do it but you can do it
yourself and once you've done it you now
know how to do it trust me
it's trivial brake pads same thing
really really easy job you can do it in
a driveway someplace once you've learned
to do that

Hindi: 
money in that long-term retirement
account let's talk about spending you
should decide what you can spend based
on what you need not based on how much
money is in your account you want to
avoid lifestyle inflation especially
when you're in 20s and your 30s your
peers are gonna start spending a lot of
money around you you're not keeping up
with them you're living a different life
avoid the temptation to spend that extra
money to show your success live below
your means you've got a longer goal in
mind let's talk about skills our society
spends a lot of money on convenience
basically paying for other people's time
artists saving money is learning how to
do stuff for yourself for example your
car needs an oil change you can pay
someone to do it but you can do it
yourself and once you've done it you now
know how to do it trust me
it's trivial brake pads same thing
really really easy job you can do it in
a driveway someplace once you've learned
to do that

French: 
you kind of get the confidence to start
learning to new to do other things the
more things like this you put in your
belt the more things you know how to do
yourself the more you can save keep this
up and eventually your collection of
skills become vast you can take better
care of yourself with less money let's
talk about food you can save a lot of
money by eating cheaply I've done it to
get through bad times but it's no way to
live life what I'm suggesting here is
just don't blow money on food you can
save a lot of money by learning to cook
yourself it's another skill just like
your car and it'll save there's a lot of
other ways to save money pack your lunch
don't order coffee on the way to work
don't go to restaurants as much bias
taken
home learn to cook it well when you do
go out to a restaurant order water
instead of some crazy drink and whatever

Spanish: 
you kind of get the confidence to start
learning to new to do other things the
more things like this you put in your
belt the more things you know how to do
yourself the more you can save keep this
up and eventually your collection of
skills become vast you can take better
care of yourself with less money let's
talk about food you can save a lot of
money by eating cheaply I've done it to
get through bad times but it's no way to
live life what I'm suggesting here is
just don't blow money on food you can
save a lot of money by learning to cook
yourself it's another skill just like
your car and it'll save there's a lot of
other ways to save money pack your lunch
don't order coffee on the way to work
don't go to restaurants as much bias
taken
home learn to cook it well when you do
go out to a restaurant order water
instead of some crazy drink and whatever

German: 
you kind of get the confidence to start
learning to new to do other things the
more things like this you put in your
belt the more things you know how to do
yourself the more you can save keep this
up and eventually your collection of
skills become vast you can take better
care of yourself with less money let's
talk about food you can save a lot of
money by eating cheaply I've done it to
get through bad times but it's no way to
live life what I'm suggesting here is
just don't blow money on food you can
save a lot of money by learning to cook
yourself it's another skill just like
your car and it'll save there's a lot of
other ways to save money pack your lunch
don't order coffee on the way to work
don't go to restaurants as much bias
taken
home learn to cook it well when you do
go out to a restaurant order water
instead of some crazy drink and whatever

Hindi: 
you kind of get the confidence to start
learning to new to do other things the
more things like this you put in your
belt the more things you know how to do
yourself the more you can save keep this
up and eventually your collection of
skills become vast you can take better
care of yourself with less money let's
talk about food you can save a lot of
money by eating cheaply I've done it to
get through bad times but it's no way to
live life what I'm suggesting here is
just don't blow money on food you can
save a lot of money by learning to cook
yourself it's another skill just like
your car and it'll save there's a lot of
other ways to save money pack your lunch
don't order coffee on the way to work
don't go to restaurants as much bias
taken
home learn to cook it well when you do
go out to a restaurant order water
instead of some crazy drink and whatever

French: 
you do don't buy bottled water
it's the restaurants water isn't good
enough to drink why are you eating their
food it was made with that water Emily
and I love to throw dinner parties and
that's kind of how we get that food
being better feeling now going out to a
restaurant and paying someone to carry
food to our table but making food for
friends and sharing it with them and
then they reciprocate and we have much
more intimate wonderful evenings that
way bottom line is you eat three times a
day it's a really big opportunity for
savings even saving a dollar a meal adds
up a lot over the long haul let's talk
about housing housing is a really major
expense is probably your largest expense
and because of that it's an opportunity
to save a lot of money there's a lot of
people out there that kind of organized
their whole life around owning some big
crazy expensive house they spend 30

German: 
you do don't buy bottled water
it's the restaurants water isn't good
enough to drink why are you eating their
food it was made with that water Emily
and I love to throw dinner parties and
that's kind of how we get that food
being better feeling now going out to a
restaurant and paying someone to carry
food to our table but making food for
friends and sharing it with them and
then they reciprocate and we have much
more intimate wonderful evenings that
way bottom line is you eat three times a
day it's a really big opportunity for
savings even saving a dollar a meal adds
up a lot over the long haul let's talk
about housing housing is a really major
expense is probably your largest expense
and because of that it's an opportunity
to save a lot of money there's a lot of
people out there that kind of organized
their whole life around owning some big
crazy expensive house they spend 30

Spanish: 
you do don't buy bottled water
it's the restaurants water isn't good
enough to drink why are you eating their
food it was made with that water Emily
and I love to throw dinner parties and
that's kind of how we get that food
being better feeling now going out to a
restaurant and paying someone to carry
food to our table but making food for
friends and sharing it with them and
then they reciprocate and we have much
more intimate wonderful evenings that
way bottom line is you eat three times a
day it's a really big opportunity for
savings even saving a dollar a meal adds
up a lot over the long haul let's talk
about housing housing is a really major
expense is probably your largest expense
and because of that it's an opportunity
to save a lot of money there's a lot of
people out there that kind of organized
their whole life around owning some big
crazy expensive house they spend 30

Hindi: 
you do don't buy bottled water
it's the restaurants water isn't good
enough to drink why are you eating their
food it was made with that water Emily
and I love to throw dinner parties and
that's kind of how we get that food
being better feeling now going out to a
restaurant and paying someone to carry
food to our table but making food for
friends and sharing it with them and
then they reciprocate and we have much
more intimate wonderful evenings that
way bottom line is you eat three times a
day it's a really big opportunity for
savings even saving a dollar a meal adds
up a lot over the long haul let's talk
about housing housing is a really major
expense is probably your largest expense
and because of that it's an opportunity
to save a lot of money there's a lot of
people out there that kind of organized
their whole life around owning some big
crazy expensive house they spend 30

German: 
years paying for it and it owns them
because housing is such a big expense
it's your biggest opportunity for
savings I saved a lot of money by living
on my boat I was going to own this boat
anyway it was my obsession if I had this
boat and tried to keep a house or an
apartment yes that's a lot of money so I
lived on the boat Emily my wife she did
it a different way she's a tiny house
person so she lived in well tiny houses
you probably know what those things are
if not look him up it's pretty cool she
minimized her housing expenses by like
literally minimizing her house and she
had the advantage of just not having a
lot of room to collect stuff much like
on the boat it's liberating probably
those two approaches aren't right for
you but there's going to be something
that's right for you some way of savings
living a little bit outside of the city
can save a lot of money or even living

French: 
years paying for it and it owns them
because housing is such a big expense
it's your biggest opportunity for
savings I saved a lot of money by living
on my boat I was going to own this boat
anyway it was my obsession if I had this
boat and tried to keep a house or an
apartment yes that's a lot of money so I
lived on the boat Emily my wife she did
it a different way she's a tiny house
person so she lived in well tiny houses
you probably know what those things are
if not look him up it's pretty cool she
minimized her housing expenses by like
literally minimizing her house and she
had the advantage of just not having a
lot of room to collect stuff much like
on the boat it's liberating probably
those two approaches aren't right for
you but there's going to be something
that's right for you some way of savings
living a little bit outside of the city
can save a lot of money or even living

Hindi: 
years paying for it and it owns them
because housing is such a big expense
it's your biggest opportunity for
savings I saved a lot of money by living
on my boat I was going to own this boat
anyway it was my obsession if I had this
boat and tried to keep a house or an
apartment yes that's a lot of money so I
lived on the boat Emily my wife she did
it a different way she's a tiny house
person so she lived in well tiny houses
you probably know what those things are
if not look him up it's pretty cool she
minimized her housing expenses by like
literally minimizing her house and she
had the advantage of just not having a
lot of room to collect stuff much like
on the boat it's liberating probably
those two approaches aren't right for
you but there's going to be something
that's right for you some way of savings
living a little bit outside of the city
can save a lot of money or even living

Spanish: 
years paying for it and it owns them
because housing is such a big expense
it's your biggest opportunity for
savings I saved a lot of money by living
on my boat I was going to own this boat
anyway it was my obsession if I had this
boat and tried to keep a house or an
apartment yes that's a lot of money so I
lived on the boat Emily my wife she did
it a different way she's a tiny house
person so she lived in well tiny houses
you probably know what those things are
if not look him up it's pretty cool she
minimized her housing expenses by like
literally minimizing her house and she
had the advantage of just not having a
lot of room to collect stuff much like
on the boat it's liberating probably
those two approaches aren't right for
you but there's going to be something
that's right for you some way of savings
living a little bit outside of the city
can save a lot of money or even living

French: 
in a in the city but in a less expensive
neighborhood without HOA fees or a bunch
of Jones's to keep up with
you can save a lot of money in your
housing and if you live outside of the
city you avoid the temptation of
spending money on nightlife there just
won't be as much out there Emily and I
live on a boat anchored in a beautiful
natural Bay and that decision has turned
our living expense at least the housing
part of it to zero bottom line rethink
the size location and format of your
housing you might be able to save let's
talk about cars cars are like the most
rapidly depreciating item you'll ever
buy it's a big opportunity to save money
buy an older car and learn to maintain
it yourself buying a brand-new car is
just throwing money down the drain
that doesn't mean you can't drive a nice
car I Drive what is probably one of the
best luxury cars ever made and I bought
it at sixty-five thousand miles for
four-and-a-half thousand dollars emily

German: 
in a in the city but in a less expensive
neighborhood without HOA fees or a bunch
of Jones's to keep up with
you can save a lot of money in your
housing and if you live outside of the
city you avoid the temptation of
spending money on nightlife there just
won't be as much out there Emily and I
live on a boat anchored in a beautiful
natural Bay and that decision has turned
our living expense at least the housing
part of it to zero bottom line rethink
the size location and format of your
housing you might be able to save let's
talk about cars cars are like the most
rapidly depreciating item you'll ever
buy it's a big opportunity to save money
buy an older car and learn to maintain
it yourself buying a brand-new car is
just throwing money down the drain
that doesn't mean you can't drive a nice
car I Drive what is probably one of the
best luxury cars ever made and I bought
it at sixty-five thousand miles for
four-and-a-half thousand dollars emily

Hindi: 
in a in the city but in a less expensive
neighborhood without HOA fees or a bunch
of Jones's to keep up with
you can save a lot of money in your
housing and if you live outside of the
city you avoid the temptation of
spending money on nightlife there just
won't be as much out there Emily and I
live on a boat anchored in a beautiful
natural Bay and that decision has turned
our living expense at least the housing
part of it to zero bottom line rethink
the size location and format of your
housing you might be able to save let's
talk about cars cars are like the most
rapidly depreciating item you'll ever
buy it's a big opportunity to save money
buy an older car and learn to maintain
it yourself buying a brand-new car is
just throwing money down the drain
that doesn't mean you can't drive a nice
car I Drive what is probably one of the
best luxury cars ever made and I bought
it at sixty-five thousand miles for
four-and-a-half thousand dollars emily

Spanish: 
in a in the city but in a less expensive
neighborhood without HOA fees or a bunch
of Jones's to keep up with
you can save a lot of money in your
housing and if you live outside of the
city you avoid the temptation of
spending money on nightlife there just
won't be as much out there Emily and I
live on a boat anchored in a beautiful
natural Bay and that decision has turned
our living expense at least the housing
part of it to zero bottom line rethink
the size location and format of your
housing you might be able to save let's
talk about cars cars are like the most
rapidly depreciating item you'll ever
buy it's a big opportunity to save money
buy an older car and learn to maintain
it yourself buying a brand-new car is
just throwing money down the drain
that doesn't mean you can't drive a nice
car I Drive what is probably one of the
best luxury cars ever made and I bought
it at sixty-five thousand miles for
four-and-a-half thousand dollars emily

German: 
has a car that's older than her but it's
a really cool car and it's it's fun to
drive if you want to know more ask in
the comments but I won't get into the
details on the cars here bottom line
don't buy a new car buy something that's
like five years old
but make sure it's a really good quality
car nobody wants a five or ten year old
Kia but an old Mercedes or a Porsche
that's still a really good car and
there's a lot of good choices in the
middle also learn to maintain your own
car we talked about that the skill
section there's a lot of opportunities
to save money taking care of your own
car if you stick with an older
inexpensive car you really don't need to
carry collision insurance I mean you can
literally just buy another one for what
the collision would cost in like two or
three years just stick with the minimum
liability that your local government
requires and you're gonna save a lot
this list could just go on and on but
there's one more thing I want to talk
about that's relationships it's very
important that your long-term

French: 
has a car that's older than her but it's
a really cool car and it's it's fun to
drive if you want to know more ask in
the comments but I won't get into the
details on the cars here bottom line
don't buy a new car buy something that's
like five years old
but make sure it's a really good quality
car nobody wants a five or ten year old
Kia but an old Mercedes or a Porsche
that's still a really good car and
there's a lot of good choices in the
middle also learn to maintain your own
car we talked about that the skill
section there's a lot of opportunities
to save money taking care of your own
car if you stick with an older
inexpensive car you really don't need to
carry collision insurance I mean you can
literally just buy another one for what
the collision would cost in like two or
three years just stick with the minimum
liability that your local government
requires and you're gonna save a lot
this list could just go on and on but
there's one more thing I want to talk
about that's relationships it's very
important that your long-term

Spanish: 
has a car that's older than her but it's
a really cool car and it's it's fun to
drive if you want to know more ask in
the comments but I won't get into the
details on the cars here bottom line
don't buy a new car buy something that's
like five years old
but make sure it's a really good quality
car nobody wants a five or ten year old
Kia but an old Mercedes or a Porsche
that's still a really good car and
there's a lot of good choices in the
middle also learn to maintain your own
car we talked about that the skill
section there's a lot of opportunities
to save money taking care of your own
car if you stick with an older
inexpensive car you really don't need to
carry collision insurance I mean you can
literally just buy another one for what
the collision would cost in like two or
three years just stick with the minimum
liability that your local government
requires and you're gonna save a lot
this list could just go on and on but
there's one more thing I want to talk
about that's relationships it's very
important that your long-term

Hindi: 
has a car that's older than her but it's
a really cool car and it's it's fun to
drive if you want to know more ask in
the comments but I won't get into the
details on the cars here bottom line
don't buy a new car buy something that's
like five years old
but make sure it's a really good quality
car nobody wants a five or ten year old
Kia but an old Mercedes or a Porsche
that's still a really good car and
there's a lot of good choices in the
middle also learn to maintain your own
car we talked about that the skill
section there's a lot of opportunities
to save money taking care of your own
car if you stick with an older
inexpensive car you really don't need to
carry collision insurance I mean you can
literally just buy another one for what
the collision would cost in like two or
three years just stick with the minimum
liability that your local government
requires and you're gonna save a lot
this list could just go on and on but
there's one more thing I want to talk
about that's relationships it's very
important that your long-term

Spanish: 
relationships are compatible with your
goals if you live with roommates or have
a lot of friends that don't share these
goals it's gonna be difficult to keep
frugal likewise if you're in a
relationship with someone that finds joy
by spending and chasing more it's gonna
be doomed to failure either you're just
not gonna make your goal or
the relationships gonna suffer Emily and
I were both married before and probably
the biggest problem with both of our
relationships where our partners didn't
understand enough they were still
chasing something they didn't understand
when at least we felt we had found
enough so bottom line
try to find someone to share your life
with that understands and agrees with
your idea of living frugally it can make
life a lot better and of course when you
get to the point of deciding whether you
want to start a family that makes a huge
difference financially you can live
frugally with kids but understand
whatever you do your costs are going to

German: 
relationships are compatible with your
goals if you live with roommates or have
a lot of friends that don't share these
goals it's gonna be difficult to keep
frugal likewise if you're in a
relationship with someone that finds joy
by spending and chasing more it's gonna
be doomed to failure either you're just
not gonna make your goal or
the relationships gonna suffer Emily and
I were both married before and probably
the biggest problem with both of our
relationships where our partners didn't
understand enough they were still
chasing something they didn't understand
when at least we felt we had found
enough so bottom line
try to find someone to share your life
with that understands and agrees with
your idea of living frugally it can make
life a lot better and of course when you
get to the point of deciding whether you
want to start a family that makes a huge
difference financially you can live
frugally with kids but understand
whatever you do your costs are going to

French: 
relationships are compatible with your
goals if you live with roommates or have
a lot of friends that don't share these
goals it's gonna be difficult to keep
frugal likewise if you're in a
relationship with someone that finds joy
by spending and chasing more it's gonna
be doomed to failure either you're just
not gonna make your goal or
the relationships gonna suffer Emily and
I were both married before and probably
the biggest problem with both of our
relationships where our partners didn't
understand enough they were still
chasing something they didn't understand
when at least we felt we had found
enough so bottom line
try to find someone to share your life
with that understands and agrees with
your idea of living frugally it can make
life a lot better and of course when you
get to the point of deciding whether you
want to start a family that makes a huge
difference financially you can live
frugally with kids but understand
whatever you do your costs are going to

Hindi: 
relationships are compatible with your
goals if you live with roommates or have
a lot of friends that don't share these
goals it's gonna be difficult to keep
frugal likewise if you're in a
relationship with someone that finds joy
by spending and chasing more it's gonna
be doomed to failure either you're just
not gonna make your goal or
the relationships gonna suffer Emily and
I were both married before and probably
the biggest problem with both of our
relationships where our partners didn't
understand enough they were still
chasing something they didn't understand
when at least we felt we had found
enough so bottom line
try to find someone to share your life
with that understands and agrees with
your idea of living frugally it can make
life a lot better and of course when you
get to the point of deciding whether you
want to start a family that makes a huge
difference financially you can live
frugally with kids but understand
whatever you do your costs are going to

German: 
grow and you're gonna lose a lot of
control over your life in the u.s. it
cost a quarter million dollars to raise
a kid to adult age and our population is
booming the planet is full take that
into consideration if you do decide to
have children have a small family and by
all means give those kids the gift of
letting them understand enough and find
joy in enough
the biggest thing about the concept of
enough is this one day if you do
everything right and you meet your goal
you'll be there realize when you're
there
stop just don't keep striving for things
and position when you've got enough
you've got enough now it's time to live
for yourself this sounds trivial this
sounds like duh you know but it isn't oh
I know the stress I went through when I
retired I couldn't identify because it
seems like everything was perfect but

Spanish: 
grow and you're gonna lose a lot of
control over your life in the u.s. it
cost a quarter million dollars to raise
a kid to adult age and our population is
booming the planet is full take that
into consideration if you do decide to
have children have a small family and by
all means give those kids the gift of
letting them understand enough and find
joy in enough
the biggest thing about the concept of
enough is this one day if you do
everything right and you meet your goal
you'll be there realize when you're
there
stop just don't keep striving for things
and position when you've got enough
you've got enough now it's time to live
for yourself this sounds trivial this
sounds like duh you know but it isn't oh
I know the stress I went through when I
retired I couldn't identify because it
seems like everything was perfect but

French: 
grow and you're gonna lose a lot of
control over your life in the u.s. it
cost a quarter million dollars to raise
a kid to adult age and our population is
booming the planet is full take that
into consideration if you do decide to
have children have a small family and by
all means give those kids the gift of
letting them understand enough and find
joy in enough
the biggest thing about the concept of
enough is this one day if you do
everything right and you meet your goal
you'll be there realize when you're
there
stop just don't keep striving for things
and position when you've got enough
you've got enough now it's time to live
for yourself this sounds trivial this
sounds like duh you know but it isn't oh
I know the stress I went through when I
retired I couldn't identify because it
seems like everything was perfect but

Hindi: 
grow and you're gonna lose a lot of
control over your life in the u.s. it
cost a quarter million dollars to raise
a kid to adult age and our population is
booming the planet is full take that
into consideration if you do decide to
have children have a small family and by
all means give those kids the gift of
letting them understand enough and find
joy in enough
the biggest thing about the concept of
enough is this one day if you do
everything right and you meet your goal
you'll be there realize when you're
there
stop just don't keep striving for things
and position when you've got enough
you've got enough now it's time to live
for yourself this sounds trivial this
sounds like duh you know but it isn't oh
I know the stress I went through when I
retired I couldn't identify because it
seems like everything was perfect but

Hindi: 
Society had raised me to keep wanting to
keep striving I stopped and it took a
couple years to feel good my wife Emily
is running a corporation right now she
does management consulting she's not
gonna be doing that forever
and she's starting to think about
shutting it down and she knows and she
also knows because I've told her it's
going to be stressful prepare for that
achieving is addictive you're going to
want to continue to try for more it's
like natural probably the human
condition but when you're there take
some time to to live for yourself and
you can always go back to work
you just really deserve to try the other
way for a while once you've achieved it
let it feel good
everyone should have their own

Spanish: 
Society had raised me to keep wanting to
keep striving I stopped and it took a
couple years to feel good my wife Emily
is running a corporation right now she
does management consulting she's not
gonna be doing that forever
and she's starting to think about
shutting it down and she knows and she
also knows because I've told her it's
going to be stressful prepare for that
achieving is addictive you're going to
want to continue to try for more it's
like natural probably the human
condition but when you're there take
some time to to live for yourself and
you can always go back to work
you just really deserve to try the other
way for a while once you've achieved it
let it feel good
everyone should have their own

German: 
Society had raised me to keep wanting to
keep striving I stopped and it took a
couple years to feel good my wife Emily
is running a corporation right now she
does management consulting she's not
gonna be doing that forever
and she's starting to think about
shutting it down and she knows and she
also knows because I've told her it's
going to be stressful prepare for that
achieving is addictive you're going to
want to continue to try for more it's
like natural probably the human
condition but when you're there take
some time to to live for yourself and
you can always go back to work
you just really deserve to try the other
way for a while once you've achieved it
let it feel good
everyone should have their own

French: 
Society had raised me to keep wanting to
keep striving I stopped and it took a
couple years to feel good my wife Emily
is running a corporation right now she
does management consulting she's not
gonna be doing that forever
and she's starting to think about
shutting it down and she knows and she
also knows because I've told her it's
going to be stressful prepare for that
achieving is addictive you're going to
want to continue to try for more it's
like natural probably the human
condition but when you're there take
some time to to live for yourself and
you can always go back to work
you just really deserve to try the other
way for a while once you've achieved it
let it feel good
everyone should have their own

Spanish: 
philosophy if my concept of enough rings
true with you use it it's yours if not
try to find something else but leave
that leave that intentional life have
intention and how you want to live
I hope sharing my experience has allowed
you to feel maybe a little less alone
and more inspired to lead your own
better life thanks so much for watching
if you enjoyed this video please hit the
like button share it with a friend I
really want to thank you guys for
watching the guys that subscribed things
a lot and really special thanks for
those of you who've decided to be our
patrons on patreon we never really
thought that would happen it's quite
exciting to see the support come in
thanks again bye
[Music]

French: 
philosophy if my concept of enough rings
true with you use it it's yours if not
try to find something else but leave
that leave that intentional life have
intention and how you want to live
I hope sharing my experience has allowed
you to feel maybe a little less alone
and more inspired to lead your own
better life thanks so much for watching
if you enjoyed this video please hit the
like button share it with a friend I
really want to thank you guys for
watching the guys that subscribed things
a lot and really special thanks for
those of you who've decided to be our
patrons on patreon we never really
thought that would happen it's quite
exciting to see the support come in
thanks again bye
[Music]

Hindi: 
philosophy if my concept of enough rings
true with you use it it's yours if not
try to find something else but leave
that leave that intentional life have
intention and how you want to live
I hope sharing my experience has allowed
you to feel maybe a little less alone
and more inspired to lead your own
better life thanks so much for watching
if you enjoyed this video please hit the
like button share it with a friend I
really want to thank you guys for
watching the guys that subscribed things
a lot and really special thanks for
those of you who've decided to be our
patrons on patreon we never really
thought that would happen it's quite
exciting to see the support come in
thanks again bye
[Music]

German: 
philosophy if my concept of enough rings
true with you use it it's yours if not
try to find something else but leave
that leave that intentional life have
intention and how you want to live
I hope sharing my experience has allowed
you to feel maybe a little less alone
and more inspired to lead your own
better life thanks so much for watching
if you enjoyed this video please hit the
like button share it with a friend I
really want to thank you guys for
watching the guys that subscribed things
a lot and really special thanks for
those of you who've decided to be our
patrons on patreon we never really
thought that would happen it's quite
exciting to see the support come in
thanks again bye
[Music]

Spanish: 
you
[Music]

German: 
you
[Music]

French: 
you
[Music]

Hindi: 
you
[Music]
