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Our Rich Journey Podcast

Our Rich Journey Podcast

Our Rich Journey 110 Episodes Oct 1, 2025

Welcome to the Our Rich Journey Podcast! A question and answer based podcast, the Our Rich Journey Podcast takes a couple (Amon & Christina) who retired before the age of 40 and has them answer all of your early retirement, investing money, saving money, and making money questions. With over 600,000 followers on their Youtube channel, Amon & Christina are changing the way you think about money!

Episodes

Should You Invest While in Debt? The Shocking Truth 😳 Oct 1, 2025 00:00:43 Should you invest while you’re still in debt? The answer depends on the type of debt.👉🏾 High-interest debt — like credit cards charging 15–25% — is financial quicksand. It eats away wealth faster than the stock market’s long-term 10% returns can grow it.Paying off high-interest debt is like getting a guaranteed double-digit return, risk-free. Only after that debt is gone should you shift your focu
The Secret Retirement Account MILLIONAIRES Use (HSA Explained) Sep 30, 2025 00:00:41 Most people focus only on 401(k)s or IRAs… but they’re missing one of the best retirement accounts out there: the HSA.Here’s why it’s so powerful:👉🏾 Contributions are tax-deductible👉🏾 Growth is tax-free👉🏾 Withdrawals for qualified medical expenses are tax-free👉🏾 And after age 65, it works like a traditional IRA — so you can use it for any expense!Used correctly, an HSA can grow into a six-figure a
This Investing Rule Will Retire You Early Sep 29, 2025 00:00:58 Most people stick to the old 50/30/20 budgeting rule — 50% to needs, 30% to wants, and 20% to savings. But if your goal is financial independence and retiring early, that won’t cut it.Instead, flip the script:👉🏾 Focus on saving and investing the majority of your income👉🏾 Keep your lifestyle steady even as your income grows👉🏾 Build wealth faster by prioritizing what really mattersThis is how we ret
Want Real Estate Without Tenants? Try This Instead #realestate #shorts #investing Sep 28, 2025 00:00:50 Real estate is one of the best ways to build wealth — but here’s the thing: you don’t need tenants to do it.In this video, we break down 2 powerful real estate strategies for your FIRE plan:👉🏾 Rentals: More control, tax benefits, and cash flow — but also repairs, vacancies, and the stress of managing tenants.👉🏾 REITs: Shares in companies that own real estate (like malls, apartments, data centers)
Millionaires Say: Pay Off Your Mortgage Early… or Invest? 🤔 Sep 19, 2025 00:00:42 Should you pay off your mortgage early or invest the money instead? Let’s look at the math.👉🏾 A mortgage feels like a burden, but paying it off early usually isn’t the best financial move.👉🏾 If your interest rate is 7% or less, history shows you’ll likely come out ahead by investing.👉🏾 The stock market has averaged about 10% annually over the long term. That 10% growth beats the 7% you’d save by e
The TRUTH About Budgeting (It’s Not What You Think) Sep 18, 2025 00:00:42 Most people hear the word budget and think restriction. They picture saying no to coffee, no to fun, no to joy. But that’s not what budgeting really is.A budget is simply a plan for your money. It tells your dollars where to go instead of wondering where they went.👉🏾 For us, it meant setting aside money to invest for FIRE.👉🏾 But it also meant budgeting for travel, fun, and experiences.It’s not abo
Advice from a Millionaire: 3 Ways to Simplify Your Finances Sep 17, 2025 00:00:51 Money doesn’t have to be complicated. In fact, millionaires know that simplicity builds wealth.Here are 3 millionaire-approved ways to simplify your finances and reduce stress:1️⃣ Consolidate accounts — so tracking and rebalancing are easy.2️⃣ Automate bills + investments — so everything happens on time, in the background.3️⃣ Use one clear system to track spending — so you always know where your m
🚫 The Sale Trap: Why Discounts Keep You Broke! Sep 16, 2025 00:00:39 Think sales are saving you money? Here’s the truth:👉🏾 Sales are designed to get you buying things you never planned.👉🏾 That “30% off” deal feels like savings, but if it wasn’t on your list, it’s unnecessary spending.👉🏾 Discounts only help when they match something you already needed and budgeted for.The danger is mistaking impulse buys for savings just because they’re cheaper today.📌 Financial ind
Money Stress? 😩 Stop Delaying Your Future! Sep 16, 2025 00:00:44 Feeling stressed about money? You’re not alone. But the real cost of money stress isn’t just the anxiety — it’s the delay.👉🏾 Stress makes people avoid decisions.👉🏾 They put off investing.👉🏾 They avoid budgeting.👉🏾 They don’t check accounts because they’re afraid of what they’ll see.But delay has a cost. Compounding doesn’t wait. The market keeps moving whether you act or not.Even small, imperfect
Why Everyone Is Retiring in Portugal (And Why We Did Too) #portugal #shorts #retireearly Sep 14, 2025 00:00:45 Why Portugal Is a FIRE Hotspot.We’ve lived here six years and seen why it’s so popular.Portugal ranks as one of the safest countries in the world.Healthcare is affordable and high quality.Cost of living is lower than the U.S. and much of Europe.Beaches, culture, food, and community make life here rich.Portugal gave us the lifestyle that supports financial freedom.📌 Save this video - Financial Inde
Invest Now or Wait? The Surprising Truth About Lump Sum Investing #investing #shorts #millionaire Sep 13, 2025 00:00:46 Lump Sum Investing vs. Waiting.Got cash? History shows investing it now usually wins.Markets rise more often than they fall.Lump sum usually beats spreading investments over time.Cash on the sidelines misses growth.Time in the market beats timing the market.Don’t let comfort cost you wealth—get invested.📌 Save this video - Financial Independence Explained. #investing #financialfreedom▸▸▸Enroll in
Stop Wasting Money on Stuff — Buy THIS Instead Sep 11, 2025 00:00:40 Own Assets, Not Things.Stuff loses value fast, but assets keep working for you.Phones and cars drop in value instantly.Stocks, index funds, and real estate compound.Assets can pay dividends or rent while you sleep.Every dollar into assets plants a seed of freedom.Buy what grows, not what fades.📌 Save this video - Financial Independence Explained. #investing #financialfreedom▸▸▸Enroll in our 365 Da

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