hey everybody it looks like I'm live I apologize for the few minute delay um still working out the Kinks on how to go live but uh yeah great to see you feel free to drop any questions that you
have in the chat I'm thrilled that I've been getting this much support than I'm over a thousand Subs been taking a couple of days to just kind of chill I shot some but the wind noise has gotten the
wind noise has posed A new challenge for me to try to work around and so that's one thing that I'm trying to figure out how to sort through uh but yeah I've got something pretty close to done and
hopefully I get that out for Sunday I need to make a few Corrections or edits to that video tomorrow to make sure it has what I want to have in it but uh yeah feel free to throw any
questions or thoughts down below I know last time I did a stream there was some connection issues so I'm kind of concerned that may be the case again here but uh hopefully not let me just check on my
phone just to see well that's not gonna be hey what's up we got one viewer good to see you welcome to the live stream just uh hang out out here on a Friday evening in hot y the sun
is almost all the way down and it's been uh definitly been a warm week here it's getting hotter for sure as we get deeper into March April's coming up right around the corner I can't believe so close feel
free to throw any questions or comments in the chat below I'll throw a note in there too thanks so much for all of your support it's shocking to me that I hit the 1,000 sub Mark and it's h
great to have a a growing audience and I can't thank all of you enough for your support it really means a lot to me and it's definitely encouraging in these early days of the channel I am thinking about
a Rebrand uh let me know in the comments if you're watching this afterwards as well what you think about a Rebrand there's another Channel named living abroad really big Channel and his name also happens to be Alex so
I'm thinking about changing up the name and just kind of doing a Rebrand to drill down on what I want to cover um certainly being an xat is part of the channel Focus but I think there's also some
focus on finance some focus on reasons and yeah just kind of taking on the logic of living overseas and different tips or tricks or patterns I've noticed reasons why we like this lifestyle or we're hoping to eventually pursue
this lifestyle so yeah um feel free to jump in the chat at anytime that you have a thought come to mind we've got a couple of viewers here now how's everybody doing today what time is it in your
part of the world it's about it's a little after 6: PM right now and I thought I'd stream for maybe half hour hour depending on engagement and then um yeah if if this is something that everyone wants to
see more of let me know as well if it's helpful for you um hey Ray how's it going how are you doing today just hearing hot Y Thailand in the south of Thailand near the border of Malaysia oh
hen oh very that's excellent how how is it up there that's one of the few places in Thailand that I really want to go that I haven't been yet I'm try i' would like to swing it before mid
July when I when my education Visa expires I'm not sure if I'll make it on this trip so it may be one of those things that I need to make time for uh in my next trip to Thailand
I think in July I'm unless something comes up I'm looking going to Vietnam in July it would be a new country for me I'm really excited about that it's one of the last ones in South East Asia that
I think most of us would consider for living that I haven't yet been to the other being Indonesia for La it doesn't seem to come up as much on a lot of people's Radars and same with Mayanmar and
I I think brunai as well but oh you're you're retired well congratulations how long have you been there in uh hen I've heard it's uh Rose to popularity because it had the vacation home for the royal family wow
so you are a vet you are a veteran of of Thailand and that really speaks to the that really speaks to the popularity of H I have a buddy I think his name's Rob um from the states and
he actually lived down there for a while he's back in Bangkok now I think just for his job but he really enjoyed it he said it's very peaceful and very relaxing and I think I'll really like it when
I make it there because it that's exactly what I'm looking for it's a chill and relaxing place um I noticed they have a decent variety of gyms there as well that's something that would be appealing to me is
having some places to work out of course you got the beach as well there um yeah it seems like a really nice nice city and it's um it definitely seems like the crowd there is maybe a little less
oriented toward partying than say Paia which I think is appealing to a lot of people I'm not much of a part of here Sam Roy yacht not not Park I'll look it up Sam Roy oh wow this looks
beautiful wow that is gorgeous I did not realize uh there were such like there's such a variety of terrain I knew about the beach but I didn't know about these mountains this is really gorgeous me see if I
can do a screen share here yeah this is absolutely beautiful W okay I I need to go back check that one out that looks gorgeous I did not I did not know that was inim now can you visit
these islands um oh I see I see it's a half hour from um wow beautiful it looks like uh there's kind of a Buddhist uh um I don't know if you call it a temple some kind of special
site here look like a kind of a boardwalk yeah that's just stunning looks like you can get a boat as well maybe a boat rental yeah this looks gorgeous thank you so much Ray for telling me about that
that's that's so beautiful um what kind of activities do you like to to do there what does your day-to-day look like welcome welcome feel free to chime in any questions or thoughts that you have comments the temple inside
the Caldera is cool that's great to hear I I'm a fan of looking at volcanoes I think that's something that is really cool about this part of the world is just the visual of the volcanoes the last time
I flew through the Philippines um I think Mount tall was uh erupting I think I just made it out in time before it erupted hey mad hold TV hey from the UK well welcome to the stream it's great
to see you thanks so much I appreciate it yeah it's it's been a grind and crypto kiwi good to see all you welcome to the stream Ray says just hanging by the seaside here yeah that sounds like the
perfect activity Ray just relaxing and enjoying the beautiful Thai weather and yeah if you were tired you definitely worked really hard for it and earned it Krypto kiwi hey mate from New Zealand you and changmai so I was
in changmai up until a few weeks ago so um to get away from The Burning Season I actually came down here to hot y I'll I'll throw the spelling down there as well because it's uh spelling just you
think of the word hot is in heat but uh yeah I'm down here just getting away from The Burning Season and they quality is a lot better down here right now so I'm uh I'm enjoying the different um
different kind of location I've also been to s claw I'll actually I should throw a yeah I'll I'll show that next because that's a really cool cool area so there are all these monkeys in saclaw this is one
of the things that I came down here for well I didn't come here for the monkeys but I ran into the monkeys they there's a beach in s claw it's kind of like Northwest from here um Northeast I
should say from here and there are all these monkeys that they'll like come up and take your stuff and then they expect you to give them fruit to trade for your stuff back and they can be kind of
aggressive always wanted to go to New Zealand such a beautiful country um it just obviously just very very beautiful country the first time I met somebody from New Zealand was actually in Peru I met this guy from New
Zealand I think he had a new I think his mother's from the um from the Philipp and but he was from New Zealand but he was living outside of New Zealand just traveling the world I think a lot
of people from New Zealand are really open-minded and really and World Travel and um yeah I think you have to be adventurous to move to somewhere like New Zealand in terms of just your ancestors and stuff so it's
a really interesting country and then mad hold TV says I listen to you while walking in the evening well thanks so much Madill TV I really appreciate that that's very kind of you to say and I need to
get back on the uploads I just I did like 10 days in a row and um I do spend a lot of time out in the heat to make my videos I think it does make for more interesting
content but it certainly can take a lot out of me but uh really appreciate that you enjoy my videos Ray says my girlfriend son is a soldier in narat wat I need to look that up I've never heard
of that narat wat oh not very far so this is uh this is even close to the closer to the Border well it actually is right on the border U versus hot y the provin Is On The Border
but hot city is further north but we do get a ton of Malaysian tourists here and that's so interesting what you said about your girlfriend's son he must have a lot of interesting stories it's must be such a
beautiful uh a beautiful Area News uh next comment C crypto kiwi says New Zealand is beautiful mate but it's like Canada housing is incredibly expensive and things are declining quickly yeah that's that's a major issue I actually need
to do uh well the video I'm working on right now kind of tackles that subject but you have in the west a lot of nimm so you have a lot of people that are um basically have legislated away
new housing construction which makes no sense in a country of immigrants like Canada or New Zealand most of the people like in New Zealand unless you are mayori or partially mayori then you're not indigenous there right so it
kind of makes sense if you're uh you know if you're trying to invite lots of people to come and live in New Zealand which I know Peter teal for example American billionaire he's got his doomsday bunker in New
Zealand then that you would construct a lot of housing because you want people to have a place to live and not be living on the fringes of society but yeah it is similar in America America has a ton
of people that are struggling with housing I've struggled a lot with housing in America and it's it's just a really stressful situation I could see why you want to move to a country like Thailand or the Philippines or
you didn't mention so feel free to keep crypto QE to chime in down below and let me know where you're thinking about going from New Zealand because I know it's just really stressful for a lot of people in
the west I think okay I'm I'm going to struggle a little bit here I think you're Georgian or from Georgia to toac feel free to to share pronunciation I don't want to to butcher your name it looks like
a a very lovely name good evening my guy uh madle TV says one thing I haven't come across you mentioning is your background in crypto how have you been able to retire over there so early in life so
this is kind of a a misconception I should clarify I'm not uh totally financially independent I got a fair amount of the way there but I got laid off last summer from my West Coast Silicon Valley Tech job
and the tech industry is going through a recession right now due to the heightened interest rates it makes borrowing money more difficult and a lot of tech companies they heavily rely on borrowed money so I thought well I've
got nowhere to stay in America I do I did technically was in a financial position to go and like rent a room or rent a small apartment or maintain my apartment but it's just it's a lonely life like
even if you have money in the west I think it can be a really lonely life and so I've been to Thailand in 2018 and in 2020 and I thought well if I'm laid off I've got this Severance
because I got a decent Severance from my uh from getting laid off such that I thought well why don't I just go to Thailand for a while it's going to take a while for the interest rate hikes to
stop and to even start reversing that's going to Mark the shift in the job Mark Market but yeah I have beened in crypto for a while I actually had some that I sold to fund my trips in South
America several years ago and I've gotten some more um but I'm able to live here really cheap so even though I'm not totally financially independent I actually have a decent amount more as far as the dollar value of
my assets than I did when I got here last summer because I I'm able to live here cheaply and not spend all my money then my assets have continued to grow in value it's still not at the point
where I'm totally financially independent but I would say so I'm 31 now I expect to probably end up going back to us within a year and it taking maybe another three or four years to get to that Financial
Independence Point I was able to at my last role save about 70% of my income um and that really really pushed me forward and I'm able to maintain that just as a single guy because I'm fine with living
really cheap and not spending money investing every possible Penny I can and I've learned a lot about investing I wish I'd gotten in on crypto early I knew about it but a family member called it a scam I
knew about Bitcoin actually in uh 20 see 2012 or 2011 I knew about Bitcoin in 2011 I was told it was a scam and I believed it which was really dumb on my part it was a really big
missed opportunity I try not to feel too bad about it because I follow this uh this Tech billionaire Nal rakan I'll throw his name down in the description because I think he's just has so much insight and he
talked about how the first two opportunities he had to get really wealthy he actually got ripped off so the first time his co-founders stole a bunch of his money or soole like his equity and he had to sue
them he didn't get paid and the second time something else happened maybe the company flopped the third time is when he got wealthy so I try not to be too salty about because I think it could be really
easy to mope about and not try to focus on the future um if I had bought Bitcoin back then then absolutely I would be totally financially independent and I would never be going back to the United States but
uh yeah uh well I I shouldn't say never I would be going back to see people I care about rather than going back to to uh you know to make money essentially but I'm not in a bad position
either I'm not position where I'm gonna run out of money and be um you know be asking for money on here or something if it if this channel makes money awesome if it doesn't I've got a great uh
great set of sales skills back in the US and if you have sales skills you'll never go hungry in my opinion um so yeah I think that's that's kind of the career path but still able to like I
said live really cheap and the crypto I do have um I'm not going to specify how much but I will say I'm I'm interested in algorand it hasn't performed as well as I thought it was going to hopefully
that changes I think the technology is great but technology in and of itself doesn't always win Ray says it's safer by you thanks so much Ray yeah I definitely appreciate you mentioning that that it's it's uh it's safer
in hot y I did an assessment and I felt that hot ya city is good but I've also heard you know you want to be careful and not just go wandering and I'm more of a city guy a
lot of times anyway even with the challenges of living in an urban area then I still really like hot y it's really surprised me it's definitely off the tourist Trail I don't often see Western tourists maybe a few
per week maybe like maybe every other day or every third day I'll see one or two but it's really inre really infrequent toak says congratulations on reaching 1K subs or worthy of several K subs and then some well
thank you so much I I really appreciate that I was really surprised that that video took off because a lot of people uh that are sub to me they mentioned that they felt like it wasn't going to happen
and I I think it will just because I think it's going to take some time to roll out but I was having this conversation several years ago when I got back to my hometown from South America um I
was talking to a friend's mom and she said it's really common among the people in that Community to be discussing like a lot of the Gen X people not so much the Baby Boomers most of the Baby Bo
all the Baby Boomers in that Community are fairly affluent but the genets and younger definitely have suffered from the economic growth at any costs policy of America and they're thinking wow like I don't like the weather here it's
too expensive for me to do the things that I enjoy and uh yeah I just and I'm concerned about the rising cost of Health Care I'm cons like I know a lot of people that used to live pretty
good that basically they just like hang out at their house and watch TV now because that's what they can afford to do gas prices are high and there's some crime issues in my home City that have gotten out
of hand and so a lot of people just like hunker down in their house and they're they're trying to make the best of their situation even like even people that you wouldn't call likeor or for lack of a
better term they are uncertain about the future because even somebody that felt like they were doing well well now they're getting hit with like a $2,000 Plumbing bill so it's like okay yeah I can go out to the
bar and spend $100 but like if I need Plumbing at my house if I want to have a running toilet and the toilet breaks now all of a sudden I may not have the money for that and in
my generation too A lot of people were discouraged from the trade so a lot of people don't have a close family member that's got these trade skills combined with the shrinking family sizes they don't know somebody that can
come really quick and do it for some pizza or or do it for a couple hundred bucks it's like no they're going to a private company and they're paying market rate and that goes for everything I mean this
was several years ago but uh I was living you know renting a room for my friend's mom at the time and she had to pay like 60 bucks for two pizzas and it's like wow that's that's really um
really expensive Jay Shar says what's good Alex hey it's good to see you Jay Welcome to the live stream thank you so much for joining I appreciate all of uh my Subs both long time and new can't believe
we've got 11 people on here I remember I did a few streams years back and sometimes we get two or three but it's it's great to see everybody and I can't thank you enough it just it means a
lot to me that I'm providing enough value for everyone to uh yeah to subscribe G JS says did you already share about the financial strategy you're using there to be there in Thailand so I'm in this weird spot
jinsa so I'm not at zero but I'm also not at my fi number my financially independent number I would say my fi number is going to be around 500k USD in assets 5 to 600k um with the yield
being somewhere in the 1500 per 1500 us to 2,000 per month amount now that wouldn't be spending 1,500 to 2,000 per month that would be spending that would be aiming to spend like say 1,200 us per month in
a city like changai I happen to love changmai um and it's just I loved it when I went there six years ago I was like oh I could live here forever it's my favorite city in the world so
some people might say oh you're not really living it up in Bangkok or in the islands but I really like the laid-back nature of changmai it reminds me of my home city in the United States it's really my
home city is more of like a country Town Nashville Tennessee it's not near the beach it's not near the ocean and not anymore but back when I grew up people were laidback you had these country people and they're
easygoing and they're they talk a little bit slower and walk a little bit slower but they really um they're not so stressed like big city people right if you're in any big city around the world you're typically dealing
with high real estate costs High food everything is expensive basically so you're working a lot and you're kind of stressed out from that so that's what I like about Chang my is it's developed and it's modern and it's
a a large enough City it's the second largest city in Thailand but it still has that laid-back atmosphere that you have you you want when you want to kind of slow down and and enjoy your your life so
I'm not financially independent here in Thailand but I am in a position where I got laid off last summer got a substantial Severance always also managed to save like 70% of the income I made in that job so
I've got time I feel that I could live over here for probably another two or three years without even thinking about it uh and still go back with plenty of money to get restarted start another start another job
but uh yeah it's it's just kind of this weird holding pattern you could say yeah um so let's see uh I hope that answer your question jensa that I'm you know I I got the severance also had a
lot of savings in a position where it cost me a lot to live in America because I don't have any family to live with like my parents passed when I was quite young and um I'm kind of in
the position where it's like okay I could rent a room for $1,000 doll a month and scrape by or I could take not much more than that come over here to Thailand have a nice apartment have whatever food
I want to have um travel around the country and really enjoy life um so it's like going to be spending a certain amount of money either way but I can be in a place where I like the weather
I like the culture I like the food a lot the food here is worth it alone for me like Thai food alone sold me on Thailand that's how much I enjoy it but also just the friendliness of the
people I find a lot of taii people are just really warmhearted people and like coming from Bay Area Tech Where It's a Grind and people are stressed out and people are Cutthroat and they're sizing you up constantly to
see what can you do for me to come here to Thailand where I don't get that near to the same extent sure if I go to Patia or some touristic parts of Bangkok yeah the people that work in
tourism they got to be on it that's their job but outside of those places even in changai outside of the touristic areas and even there it's just a much more laid-back less Cutthroat attitude my blood pressure has come
down being here I feel a lot happier I'm not so on edge or stressed out being overworked um crypto kiwi says have you ever at all felt unsafe in Thailand at any point so I'm going to be fully
transparent crypto kiwi sometimes the driving does feel a little bit unsafe here in Thailand I would recommend you doing more research on that on your own and not so much because of any one unique issue it's more so
you have a lot of foreign tourists myself included that were not experienced on riding motorbikes so I witnessed an accident when I was in changmai the guy was not hurt fortunately like not should say the guy was not
ended fortunately he was hurt and I'm just not good at it I didn't grow up doing it it's not something that I'm really accustomed to and I prefer not to ride but you do have a lot of people
with no experience riding here and I think that that contributes to some of the safety concerns I know that may not be exactly what you're thinking about you're probably thinking about like general safety um and I do feel
Mo U I do feel most say occasionally you'll run into an aggressive soy dog I know Bangkok Pat mentioned in a video he released maybe four or five months ago he was actually bitten by a soy dog so
those are the two main things is one traffic can be a little bit iffy and two soy dogs could be kind of sketchy if we took those out I've never felt in danger from a tie person I've never
had a tie person make me feel unsafe I've never had somebody coming up to me upset at me never had somebody get angry even the security guards are polite like I've been in several situations where I thought a
security guard was like looking at me like hey you don't need to come into this area for whatever reason and I engage them STI catti cop and then they smile and way back at me so I think it's
this you get this sense when you're coming from the West especially United States I can't speak so much for your country New Zealand but that it's a low trust society and then you come over here and people are
more trusting and more warm and uh so no I don't ever feel safe from the people at all um and there are a few like you know like the traing of the soy dogs but those are somewhat avoidable
so I don't travel around the time I'm more of a person where I like to to kind of be in a city and live in that City and I'm a fan of walking I love walking and so it's
something I avoid and then also with the soy dogs they're not everywhere um especially like in the city center of changai I never felt unsafe from a from a soy dog you do see some in Bangkok that are
sketch and I'll admit some here in hot that are kind of sketch but you pick up a rock and they get scared you don't have to necessarily toss it at the dog but they're used to you know people
shooing them away and I think some for some of them they're not fixed and so they just don't know any better and so some of them do do get injured they they Unfortunately they run out into traffic and
people are unable to stop without causing a much more serious incident um so some of them you will see with the limp it is really sad but that's just the way it is uh let's see do uh congrats
from Indonesia thanks so much Christopher and oh and crypto kiwi says average house in Auckland is over a million average income after tax is about 55k yeah it's insane I mean that's just that's got to be so difficult
for kiwi people who are working hard they're living in what's considered a develop or a Western Country where the presumption is you're going to get ahead if you just work hard but there's no amount of working hard at
55k a year that's going to put set you up to buy a million dollar house I think the only way to get into housing is to inherit it and that's really antithetical I think to the philosophy of life
in the west right that people are getting ahead not based on their merits necessarily but based on their luck of being born in my case I don't have parents so I'm not going to inherit a single family home
there's never going to be a point at which somebody gives me a single family home and I don't expect that to be a reality for me and when I get to the point where I can afford one I'd
rather just take that money and go to a cheaper country where I'm not working to pay for the maintenance because a lot of people think I'll just get a house it's fine but the cost to maintain a home
a million dollar home is not cheap either your plumber is expensive your Carpenter is expensive your maintenance is expensive your property tax tax is expensive the roof is expensive so it's not just the base cost as I'm sure
you're aware of it's also all the additional costs that are stacked on top of that and I I I hear that New Zealand and Canada and Australia are the worst and America and UK is the worst America is
not quite so bad but certainly in all the desirable American cities I would say it's it's getting up there if you're looking at a San Francisco or a Boston an LA then the uh the housing prices are far
exceeded the wages and you have to really just get there through Equity like starting a tech company and then selling it or getting into a SE suite rooll at a tech company which most people aren't getting into until
later on in life 40s 50s and it's really dis discouraging uh you schedule these streams and set them as the preview video for Subs you'll get more people on I'll start doing that thank you for the suggestion I
need to start doing that scheduled this one but it's the first one I've done in a long time probably several months I I did one back in early February but I had a connection issue and I don't think
it got distributed but I'll definitely uh schedule these in the future lucky says hi are you able to speak Japanese unfortunately not lucky I don't speak Japanese I have some Japanese mannerisms because I was raced by my grandmother
from Japan and I felt like growing up with her I had one foot in America and then one foot in Asia so to speak so I do have some mannerisms and pacing and politeness that comes from Japanese culture
and I'd love to learn the language part of me wants to do a year of Japanese study because you can actually study Japanese here in Thailand there's over 100,000 Japanese expats here in Thailand and I think that uh
for a fair amount of them they're going to be teaching Japanese at a school and that's actually one way you can get Ed says not just a city tie but you also have mandarin and also Japanese at some
schools so definitely a goal of mine Stefan Dorian says you look really good you look good but you really need a haircut Alex yes that's true it's coming up there isn't it I'll I'll definitely get one soon because
I yeah I don't even notice it sometimes I think working in Tech where you see all kinds of wild haircuts it's uh it's easy to lose track of time when it comes that but thank you for the tip
Mark eger says enjoy your ideas share it on YouTube thank you you're from Alaska that's so cool I think Alaska has to be such a cool place my grandparents used to love going up there especially when my grandfather
was alive they would go up there every summer to do a fishing trip he was from Idaho and so he was a fan of the LLB llbean brand out of Seattle and that whole Northwestern kind of vibe I
think it's one of the coolest parts of the country you really have to be a rugged person to live in Alaska you really have to be a tough person and I think I think the stories out of there
are so interesting I mean I even grew up reading the Hatchet series by Gary Paulson which if I'm not mistaken was set up there as well so I think I think Alaska's beautiful I hope to visit there someday
it's definitely uh one of it's one of the few States I want to go to in America that I haven't been to so Alaska Hawaii Maine are and uh and Vermont are like the four main ones that I
haven't been to and Montana so those are like the five states I have I haven't been to that I really want to go to at some point but I've been to the entire West Coast Midwest Mountain West Southeast
and the rest are like I haven't been to the dtas or Iowa or Nebraska these are not as high up on my list in priority but certainly Alaska's up there jinsa says thanks so much for sharing about your
financial strategy I'm looking into cm2 70% nice looking into dividend investing recently I will say jinsa that I'm heavy on the growth stocks right now just at my age 31 I think I've got a lot of time in
the market but I am going to be pivoting more to dividends probably with my next role just because the goal is to get to a certain amount of growth and then sell and transfer to dividends that I feel
at least some are going to be more stable in terms of income generation so I'm not as much of a fan of selling growth stock to to um I'm not as much of a fan of selling the underlying
asset I think it's just a little bit more in line with my tolerance for risk to collect the dividends and live off those I do have some dividends there's a a portion of my portfolio that is in dividend
stocks but it's not enough to make a big difference as far as um income goes at this point jinsa says you're thinking about cost of living is and what we get here is spot on yeah I mean it's
you know a lot of people they don't understand this stuff and I just kind of put two and two together on it and was like man a lot of this information would be helpful for people because we see
the standard of living declining the west but we can't articulate why we don't know why we don't know why things are artificially priced so high why things cost so much more like a pad tie here in Thailand I
can have for a140 equivalent 60 bot Maybe I think that'd be like $2 in um Australian currency maybe a little bit more in New Zealand currency whereas in the US then that same pad tie is going to be
$15 and it's not going to be a better pad tie I think it's going to be comparable to the pad tie we have here and so that's really that was really my the start of my questioning a lot
of stuff about life in the west because my buddy convinced me to go to Thailand six years ago and I couldn't believe how nice it is and yet it was also much cheaper and so that was really a
shock to me Thailand Masters foreign Cuisines Krypto kiwi says Thailand Masters foreign Cuisines too not just Thai food yeah the western food here there's a good amount of good Western food here you also have international chains like McDonald's
um Pizza Hut KFC and like I had a pork steak the other night it was delicious really really good it was like $550 equivalent compared to the same would be probably $12 $15 in my home City and the
service was great they served it with mashed potatoes and a salad yeah really really tasty it makes me hungry just thinking about it I after this stream I'm gonna go out and have some dinner I have crypto kiwi
says I've ridden mopeds and changmai even on the motorway enjoy the experience but yes risk for sure yeah I'm just uh I'm nervous about it I'm not the most coordinated person but certainly for some foreigners and expats and
it's it's just fine my buddy Jesse who commits me to come here to Thailand he rode just fine he had no issues at all and so I think for some they're not gonna have problems they're going to be
very careful and it'll be fine for them what's your dreams and Ambitions moving forward my main dream is to hit that 5 to 600k Mark in terms of value of my assets and then come to uh probably Thailand
or the Philippines I'm still kind of working it out could be Vietnam it's the Visas are a concern they're my top priority any country I'm thinking about living in I want to know for a fact I can sort
out my longterm Visa such that it's it's not going to just come to an end at some point I like to really think longterm and uh from there when I hit that fi number just totally Focus all on
YouTube perhaps writing some books I have a bunch of ideas that I want to share with people back in the west like hey you can leave if you're frustrated by your declining standard of living and you don't see
it changing in your lifetime and you have some unique circumstances maybe you're an only child maybe you're not super close to your family uh then I think there's a lot of great options in the world not just southeast
Asia I spent time about six months in Latin America and I loved it down there as well I'd like to go back if I go back for a job America then my next trip after that will probably be
somewhere in South America I want to see Chile or Brazil Argentina is up there and exploring these places and doing research and really just trying to share information a lot of people are worried about this and actually I'm
working on a video about this right now aren't you worried about the costs going up well certain costs will go up certain costs won't I paid less this year for my apartment in changai than I paid six years
ago why is that well in shangai they build plenty of housing so housing is at least in part something for people to live in not just an asset for people to make money on so there's not this lack
of housing like the lack of housing in the west is an artificial construct whereas in changai there's tons of variety if I want a studio I can have that if I want a single family home I can have
that you can get Condos for as low as like 10,000 Us in changma you can get houses for as low as 50k now of course you're not going to be the owner of that if get a single family
home only ties are allowed to own single family homes but the point still stands there's no house you can touch in New Zealand or Canada or the United States my home country for 50k unless in the US you're
in the middle of nowhere and the house is falling down where you're going to just like live in a tent and on the property or something it's just not possible DH Kim says what do you think of Korea
you know I haven't been to Korea DH Kim um I have heard of course it's more similar to Japan in terms of cost of living I think that might scare away some people they associate Korea as being a
they think of Korea as being a highly developed country that isn't so affordable just because you do have a very high standard of living in Korea you have great public transit you have amazing Korean food you have a
very clean country with a lot of gorgeous nature I'm not to say that developing countries don't have this as well but a lot of people I I think a lot of people in the west really admire Korea so
I'm I'm Pro Korea if you're from there and you understand the language I think for people who don't understand the language that it's going to be a very difficult language to learn and that they may struggle with that
but everything else I've heard about is great I'm a be a big fan of the best ever Food review show and he lived in Korea for about eight years a guy named Sunny he's he was uh he's one
of the largest if not the largest travel food bloggers out there and I love his content and especially his content about Korea you can tell he has a real deep passion for the country and the culture and the
people he's living in Vietnam these days I think he married a Vietnamese woman but certainly definitely want to check out Korea I may hit up Korea on my way back in the States if I get a job in
California then Korea is like a perfect Midway Point fly there from Thailand spend like a week in Soul or buson or maybe a few days in each and then fly back to the States just so I can better
speak to it because I always always struggle to speak about countries I haven't spent at least a month in because I feel like or at least a short visit if not a month in because I feel like I'm
sharing information that other people can access and I always want to do something with my channel that other people aren't doing something that's unique and kind of sets me apart where I feel like you're only getting this here
at least in terms of my analysis will says hi Alex many congrats on the thousand Mark thanks so much will that's really kind of you I really appreciate that jinsa says oh and thank you as well DH Kim
for the congrats on the thousand Subs I really appreciate that uh jinsa says how's your experience making genuine connections friends with Tha folks it's great assuming they have English um it's harder if they don't have English I have
I would say probably five or six TI friends that have English ranging from basic to I would say not I would say fluent not native level English but fluent I have two of my Ty female friends they both
worked in America as op Paris for about a year and so their English is strong and both also use some English at work they both work for international companies and so I would say if you're you're looking for
um making connections with Thai folks especially in terms of english comprehension your best bet is spending time in Bangkok I think also the tourist hotpots have more of that as well it's going to be a little harder in
a place here like here in hot I don't encounter English as much um and then you you do get it some in changmai as well one of my buddies Matt is a a TI man he's from Bangkok but
he lives in changmai and he's actually an English teacher I think that surprises a lot of people they think only Western people or native speakers are teaching English but he teaches English very well and I think that he
he told me he grew up on a lot lot of Western media in Bangkok so he's always had this affinity for the West even though he is a time man and he's such an interesting character I did an
interview with him but I didn't have the mics that I have now so the audio is not so good I have it on my hard drive I want to go back and reinv him because he's just such a
warm person I I find that you know I talked to some of my Thai friends about this and I was like there's this perception Thai people are cold which I disagree with and she said well Thai people want
to talk to you but they're nervous about their English they're shy about it they feel like what if they can't understand me what if I sound a bit silly so you can make connections with high people understand that
it may be a little bit more difficult if you're not talking to somebody that works with tourists or like here in haot I need to take back what I said I think English is actually decent because they do
deal with a lot of Malaysian tourists and the people that have worked a lot with Malaysian tourists they are better at English um but yeah that that's I hope that answers your your question pay me in dividend will
says I'm G to go out of lim here in gu your k um well pay me in dividend 500k sounds like a solid fi number throw that into a nice yielding dividend portfolio and you can live well in
most Southeast and Southeast Asian or Eastern European countries yeah I I think so thanks so much by the way for the congrats pay me of dividends yeah I mean a lot of people ere exaggerate what you need to
live in this part of the world a lot of people will come on and say oh you need $4,000 a month to live in Thailand my opinion at that point why don't you just say you need $10,000 a
month why don't you just exclude probably 80 90% of people in the world uh from the Western world because most western people don't have that kind of income also you don't necessarily have to go out and start a
big family with five kids yeah if you want to get married and have five children then you may need three fourk a month you also want to send them to some private schools that might not be enough so
for the single guy or for the the Dual income no kid situation or the retiree that who children have grown up and are out on their own I think you can do fine with 1500 you're probably I would
say you're not GNA want to go to like a Bangkok I think it's gonna be a little bit more challenging in a Bangkok because not even necessarily only because Bangkok is more expensive the up upm Market districts are
but you can live on the outskirts of Bangkok and pay 100 200 a month for rent I've looked at apartments in banapi which recently got its first MRT station and so if you don't have to be in the
city center of Bangkok you can find affordable rents it's more so that you're going to have a lot of Temptation to spend money in Bangkok it is such a convenient place to live with so many opportunities to spend
money that you may feel a little bit stifled if you're trying to keep it to 1,500 you're going to hear about a cool restaurant or a some kind kind of entertainment interesting entertainment or maybe you want to purchase
a certain nice thing then you're going to feel like man I'm a little bit tight here but you look at a changai you look at a paa Ain you look at a hot where I am now and I
I'm really enjoying hot been pleasantly surprised here you're going to be fine on that amount of course you're going to want to look at health insurance just to help with emergencies and things like that you're going to want
to look at what are the local districts that you want to enjoy just to um just to not be eating Western food every day but to me it's not this major adjustment like I ate Tha food a lot
in America I just paid a lot more for it so the fact that I get to eat Thai food here and pay a lot less for it doesn't really feel like a sacrifice I love Korea I live in
Hong Kong for 30 years M Korea to do times Korea has changed a lot in 30 years soft power has increased immensely yeah I would agree with that will I think Korea is really uh grown a lot in
terms of popularity people love kpop I love the Korean food Korean barbecue Korean food is very popular here in Thailand all the major Thai cities have Korean restaurants and I would see Korean people a lot in changai and
some in Bangkok as well but I think they stick out more in changai just because changai is not quite such a big city and the popular district is Nan whereas in Bangkok you see tourists in all kinds of
neighborhoods like AI my of course the city center cm and uh yeah really really lovely city so you're Japanese and what if you don't mind me asking oh Jay so the other half the rest is so my dad
was from India uh I say Indian but a lot of uh United States people think Native American but from India India uh from the south of India and then on my so my mother was English Irish half English
Irish so and then uh half Japanese so I'm technically half Indian a quarter Japanese and then a quarter English Irish Korea is widely seen as super cool I absolutely agree I'm a huge fan of squid game and parasite
and black pink and I haven't listened to BTS as much but yeah tons of soft power and the consumer electronics are definitely a big thing I've had several Samsung phones over the year uh will says my parents in
Glasgow both have Samsung mobiles their washer dryer is LG that's funny yeah I mean the the it's the industrial might is there I think people really trust Korean products they associate Korean products with both economic utility but also
good value for money I feel the same way I think they really punch far above their weight in terms of production crypto kwi says appreciate the Chatman we binge watch more of your videos thank you well thank you
so much for chiming in I really appreciate your comments I hope you have a good night as well Jin says getting curious about dividend yeah div pay me in dividends feel free to chime in okay great so you
did you did start posting that's wonderful I'm gonna have to check out your channel after the stream because I I think it's just such a good idea and uh yeah I mean I I wouldn't be here without Jason
um Jason lives in changai actually if you're not familiar he was who got me inspired to pursue the dividend Journey I'll throw his site uh down in the description grab the charger yeah he does a website called or
a Blog called Mr free at 33 and Jason's been living in changai for I think seven or eight years I think he came here in 2016 and his story is incredible I relate to it a lot he actually
uh grew up in Detroit which is a probably the worst city in America as far as crime and lack of opportunity and danger it's kind of the ground zero for the collapse of the automotive industry in 2008 and
he racked up some college debt but then eventually he was like okay I need to get out of here because there's no jobs he lost his job in Detroit so he ended up moving into Florida and working in
the Auto industry down there I think he got in for into to um was it Nissan he got into one dealership and he worked his way up into Audi and he pinched every penny ended up selling his car
moving to a smaller apartment about a half hour from his job taking the bus to work and then uh started building his portfolio and then part of what it got him there is that he sold his blog he
had a Blog called dividend Mantra that he sold I heard for reported now don't quote me on this but if it's accurate 300K and he already had 100 K dividend portfolio so he took that 300K bought dividend stocks
got him up to $1,000 a month in dividend income so this was um this well I should say $1,000 month budget so if this at 400k at 4% that's 16,000 per year and that works out to like 1,200
a month and so spending a th000 a month would give him a $200 a month buffer for any emergency expenses like healthare and so he's lived in changmai for like or eight years he's built up his blog and
and increased his dividend income dramatically to where he's got like a 7K a month income or something like that he's actually moving back to the state so he's married a tioman and I think she's a nurse based on
his blog what he said there and so they're looking at moving back to the States for personal reasons and I wish him the best of luck I think it's his journey is inspiring just coming from a a broke
background in a disadvantaged city and being raised by I think he was raised by an aunt his his mom uh took herself out and I can relate to that a lot um so yeah I think he could be
inspiring for a lot of average people that want to become financially independent because a lot of people when you start talking about financial Independence they assume you're coming from a well-to-do background they assume you have a IV educ
IV League education and that the average person can't attain it but I disagree with that sentiment it does take a lot of sacrifice a lot of discipl plan a lot of focus but I think it's going to be
really wonderful when I get to that point and I'm able to fully commit to living overseas long term and this is a discovery trip part of this and this is what I think a lot of people should really
think about is before you commit to fi overseas Financial Independence overseas plan in your working years this is going to set you back TimeWise but do at least one or two Discovery trips if you're thinking about living in
a certain country maybe come over for a month or if you're in between jobs or like two weeks I should say two weeks I know most Americans don't get a month off but if you get two weeks take
your two weeks and come to changai for a week and then come to Bangkok for a week and get a sense of what it's like to live there because the worst thing I think could happen is you spend
years and years working toward your goal of financial Independence and then you go somewhere and you find Mexico for example well I like Financial Independence but Mexico isn't for me so really take the time to do that um
I think it will just help save you a lot of time and stress and figure out what you like in that time too are you a beach person I'm not really a beach person so the appeal of living
uh long term in an island I just get kind of like Island fever the best way for me to put it I like feel like oh I'm just I'm limited in where I can go and so I don't
know that I commit to living on an island long term even though they are very beautiful here in Thailand I think that I'm more of kind of a a city guy and also more of an inland guy a
mountain guy and that's why changai is so appealing to me it is a bonus that changai is Affordable even by Thai standards but it's just such a cool City it just got has this cool mysterious Vibe it never
loses this feeling of mystery for me even after six months in changai it just has this like I don't know you just feel like you're on another planet not just from the language difference not just from the food
difference but the the nature nature is so beautiful do suap um it has this like other worldly kind of feeling and Thailand still has magic and charm for me if anything it has more for me because I'm getting
B little bits of basic words and tie and I starting to understand what people are saying more and so if I had to commit to Thailand for the rest of my life if you told me right now planes
aren't working you're in Thailand RB and money wasn't part of the equation I'd be fine with it it's um it's such a beautiful country it's safe it's fun the food is amazing the people are warm there's I'm the
only thing I miss about back home is my friends that's really the main thing I miss from back in the US will says do you have any plans to permanently base yourself in one particular City in Thailand having
tried various ones and if so which are you leaning towards so far so will I I do want to try a year in the Philippines um that's one of the other countries I would consider living in because the
Visa situation is so easy for Americans in Thailand the Visa situation is a little bit more tricky yes there is the elite visa do I want to spend that amount of money I'm not sure that it's it makes
sense for me it's an individual it may make make sense for other expats there are the language visas which I'm on right now but I've heard you're really limited to like two years on a language Visa so what
I have to transfer to studying Muay Tha I'm not sure if I want to commit to multiple Muay Thai classes per week for a year um I'm I'm getting up there I'm not at retirement age but I don't
want to get hurt in Muay Thai so that's certainly in the back of my mind if I had to pick one I'd pick changai changai minus the burning season is one of my favorite cities in the world it's
just got everything that I want and I don't find myself missing much from a day-to-day perspective I enjoy Bangkok and I love the excitement of Bangkok but sometimes Bangkok can be a bit overwhelming for me I grew up
in a city of about 1.5 million people it's now around 2.2 million people and changmai in terms of population and size just reminds me so much of my hometown that it fit it fits like a glove like I
was really disappointed when I had to leave six years ago because changmai is just it's just everything I want I don't think it's perfect for everybody but for me I can't think of very many other cities that can
compete um some of the Philippine cities can for me because the English there is so wonderful that's something that I love about the Philippines is that you have that ease of communication with people that it's going to take
me a while to get there I think if I studied Tha consistently for several more years I would get there but it's also a significant time investment it would also probably invol involve private tutoring which would be a
financial investment alongside the time investment and so I'm not sure if I'm ready to make that commitment um but I think that I'll have a better sense of it after a year in the Philippines and after a visit
in Vietnam I'm looking at Vietnam for several months Vietnam is definitely a high priority for me as far as visiting goes and I think after a year in the Philippines I'll have a better sense of it I think
a lot of people they they're asking which is better and I I feel like I don't know I don't know yet uh which I think is better I think it's an individual choice to me it's an apples to
oranges comparison um for Thailand a lot of people are familiar with Thailand from a tourism perspective for the Philippines English makes it so easy so once I spend invest that time in the Philippines I'll have a better sense
of it there are some things that are challenging in the Philippines just like any other country I found when I was there four or five years ago that the internet was iffy I have heard that's changing and I
have heard starlink is becoming a bigger thing there so with Starling that could be that's probably a game Cher for the Philippines um what else what else I know I said I'm not as much of a fan of
islands but the islands in the Philippines are so big that it doesn't always feel like Island life in SIU I felt like hey I'm in a metropolitan City yeah you cross the bridge and yes you do land and
mtan which is part of an island but it's so I don't know how to explain it it just maybe it's the urban Vibe it doesn't you don't feel so remote like when I'm in the Philippines I didn't really
feel remote I felt like I was like in another part of America I haven't been to Hawaii but I imagine it's what some people feel like living in Honolulu at least in the terms of the big cities and
then in the mediumsized cities there's a lot to offer there I had great Italian food in kagay and deoro um what else did I the dating was fine like the dating was was great in Kagan deor even though
it wasn't a large city like SAU you still have I think 200,000 no 700,000 people in the metro area so I would say as well there taking a look at different Siz cities and finding like do I have
to be in the biggest city in the country or am I going to be happier in a smaller city am I okay with Province life personally I'm not as much of a fan of Province life for xats especially
people that are approaching retirement age where Health Care is a concern for them I think when you're too far away from hospitals that it poses some level of health risk and also um I just like certain conveniences that
come with a larger population I like being able to go and get a tie massage I like being able to go to a large shopping mall and just kind of walk around have some munchies some good food maybe
do some shopping for electronics uh so that's where I kind of push the urban areas but certainly the provinces do make a lot of people happy I I think especially for people that grew up in a rural area
maybe the countryside in America or the UK Australia New Zealand then the provinces are going to be more in line with what they're accustomed to Kyle said P says love your channel would love to hang out when you're
in Bangkok absolutely P I definitely down I'll be in Bangkok in five weeks maybe three weeks probably three to five weeks because I've got to do my new I've got to do my next education visa extension I've got
got to go to Bangkok uh immigration and do my visa extension and that will be my last visa extension that will get me from beginning of May until mid July and then around mid July early to mid July
I'll be probably flying to Vietnam it's it's looking very much unless a job offer comes up that I'll go to Vietnam Next but happy to hang out definitely comment down below or if you see my email in the
description I shoot me an email I'd be happy to meet up will says oh I cover that one D Kim says I think southeast Asia is great for the public safety Factor alone I've been to Thailand less than
seven times but to the Philippines over 100 times the people in the Philippines rule yeah Filipinos are awesome I don't think it's a contest because I love Tha people as well um but to focus on the Filipinos for
a bit just in in terms of conversation the people will give you the shirts off their back there they will help you out they're very kind and warm and I was very suspicious when I went to the Philippines
because of how nice the people were I was like why are these people being so nice I come from the US where people are not pray friendly and uh I was just shocked I like why are these people
talking to me why are they asking me how I'm doing why are they asking me where I'm from why are they so warm and kind and friendly and then I got it after a couple of weeks I'm like
okay I get it I get why the people here are nice because they treat each other well they're kind to each other they're sweet to each other and um yeah I I I fell in love with the Philippines
as far as people I found a very strong connection to the Filipino people I just found it so easy to connect with them there's this kind of bond it may just be the English but I think it's more
than the English I think it's just like I have this respect for them because I think that they have a lot of character and I think that they see that I respect them and I don't uh I don't
see them as people there to serve me which I think is unfortunate part of some expats or Western tourists is they look at the locals as their servants and I don't see it that way at all I see
the local people is helping me to navigate an unfamiliar World an unfamiliar country an unfamiliar culture unfamiliar food like half the time I'm asking the locals what should I eat I have no idea what you guys eat here
so please let me know because when I did my four Monon trip to Southeast Asia at the end of 2019 I didn't know anything I really didn't know much about the countries I was going to I typically had
a friend there like I met online that was going to help show me around but I was naive and new I knew they I knew they work in the Philippines I didn't know much beyond that but pork is
huge in the southern us so that was something where like coming from the southern us I'm like I already love pork so that's going to be a no-brainer will says I totally agree on the Visa issues that's what
ultimately led me to choose Malaysia over my for my retirement over Thailand K has changed so much since I've been going it's like a cheap Singapore everyone speaks English in Malaysia of course I find Malaysia to be the
most underrated country that I've been to um so many people don't know about Malaysia because they're thinking in terms of like partying for example and Malaysia is not really your biggest party country your party place but I'm not
a big partyer myself I can't really handle alcohol I get the the Asian flush right so for a fair amount of East Asian people they can't consume alcohol they actually have an allergy to alcohol and I have that
allergy and so for me Malaysia was perfect it's like okay I love Malaysian food I love Middle Eastern food you have a ton of like I met a guy serving kebabs he was from Iran and moved to Malaysia
his food was amazing oh man like I could talk just about the conveniences of Malaysia alone I love the shopping malls they have modern shopping malls everywhere you can have get whatever you want from the shopping malls um
I liked the English the prevalence of English made it very very easy to be in Malaysia um it's great for living it's not I wouldn't necessarily say it should be on I wouldn't say it necessarily caters to everybody's
preferences for a party vacation but if you want a place where things are orderly where if you're coming from an English-speaking country or a former British colony you know Malaysia is a former British colony so you you have
you're going to be more familiar with certain aspects of life in Malaysia that just seem to come more naturally to somebody who's grown up in a similar style I also like the public transit in koal lur I was
blown away by it I'm like how can this be so good and yet so cheap I was shocked by that I I really hesitate to use the word cheap anytime I'm talking about things but this is one of
those occasions I've reserved the word cheap for the transit in colur I just found it to be so convenient I'm like ah this makes it so easy to Jet around the city DH Kim says I've been to Malaysia
twice not that interesting but could be a good city to live and work in the hot weather is a turn off plus it's considerably pricier than other Southeast Asian countries yeah the cost is definitely higher in Malaysia I
definitely noticed I was paying more in colore for rent um I think I was paying like 150 us equivalent about at the time 600 but now it' be 750 ring it per week for an apartment rental but I
did find it to be very convenient I did find it to be very clean very safe certainly you'll pay more than some other places so for people that um that you know they they want something a little bit
different it it may not be ideal but I like Malaysia a lot i' happily go back at some point in the future but yeah I think we're winding down we've been chatting for a little over an hour now
and uh I'm uh I'm getting pretty hungry for dinner to be totally honest but um Will Smith says I'd have to disagree on pricing the age I luxury condos about 20 to 25% less than Bangkok that's interesting um
yeah that could and it I think it depends too like in in Bangkok it seemed like more people wanted to live in this want to live in the city center um in K I felt like it was you
had more I felt like I saw more I don't know it's it seems to be more spread out than Bangkok maybe it's just my perception but um yeah definitely cheaper than Philippines for most things yeah I found the
Philippines to be surprisingly expensive actually in some areas I I think the rent is cheap in the Philippines but if you're talking about imported goods I paid like 10 bucks for a pizza on pigan island five years ago
and 10 bucks is like even more than what I could get get a comparable pizza for in the US I go to Domino's but um yeah wrapping up thanks so much everybody for joining I really appreciate the help
on getting to over a thousand subscribers thank you so much for the support and the encouragement that you're enjoy my videos and I definitely pushes me to keep making more I hope everybody has a wonderful weekend and has
a safe weekend wherever you are in the world um I think short uh yeah short-term is definitely more expensive than long term rebirth no I haven't eaten dinner yet so I'm GNA go out I'm here in hot y
I'm gonna go out and have some food I haven't decide exactly what I want yet but there's so many great food options here but uh yeah I I uh great talking to everyone and I'll talk to you soon
