I'm a bit tired tonight but I thought I'd hop on here and do a live stream we'll just give a few minutes let people get on hey how's it going we got our first viewer here welcome welcome I
am just uh winding down my day here in dagate um man it's been a long day I uh Hey welcome Gerard good to see you yeah it's been a long day um it's been rainy and cold and windy
I finally got caught up on some sleep today but I'm still I'm still tired as you can tell I ended up roll P into into town around 400 p.m. uh because the rain and the wind stopped and um
ended up running into a friend uh at the mall and we just talked about how you know about his upcoming race he's doing some racing here in dumag uh bought more load for my phone uh went and had
dinner at s's Revol I'll throw the name of this because if you come to dumag you should try this I went had dinner at s Ral and I actually saw another friend there but didn't realize it until too
late I should have gone up to and said something because I actually have plans to have lunch with him tomorrow uh but it just slipped my mind I'll probably text I'll I'll let them know tomorrow we have plans
to meet for lunch tomorrow so and then sorry about the yawning guys I know it's probably making some of you yawn as well uh and then let's see yeah welcome to the new subscribers if you're watching this uh
whether you're live or watching on replay who are coming from my recent interview with Chad Foster that was great Chad's a great guy uh he and I have had a number of conversations and just a really uh really
hardworking content creator I mean he puts puts a lot of great content out there um what else oh I went on a date tonight yeah so I actually uh it's about 10:30 pm here Gerard um so yeah I
went on a a first date tonight and that went well um she and I met a few nights ago a friend of mine pushed me to introduce myself to where we saw uh when we were like out at
the Boulevard and um yeah I mean it went really well we went walking on the Boulevard and then we went and had we shared a mango Sago which is this mango tapioca pearl based dessert at this at my
favorite Cafe on the boulevard um Cafe fellom minina and um yeah it's a nice place it's attached to a hotel and it's just really nice to sit down and chat with her um and get to know her better
we'll see where it goes you know first dat can't really tell like where it's going to go if it's going to is allowed or might become something more serious uh I'm open to whatever possibility uh is in store
for for me and um yeah she's she's great uh we had a great time I think we're going to be hanging out tomorrow night as well uh because she's hey s Sky Stone I retire in January 6 62
years old looking forward to visiting the Philippines yeah I mean the Philippines is a fantastic country it's um it's beautiful it's tropical uh you know lots of friendly people here it's uh I'm not sure if you're from the
US guy uh but you'll encounter plenty of people from the US like as far as expats go I think it caters a lot to Americans um because of the English also just the shared culture and some of the
shared history it's really uh oh you're in Tennessee yeah so I'm a Tennessean as well very familiar I've been to Pigeon Forge several dozen times gorgeous area probably my favorite part of the state if I'm being honest I
grew up in Nashville but I think you're very very fortunate to be in Pigeon Forge um at the same time I think that you'll really enjoy your visit to the Philippines it's um you know it's got some of
that kind of vac field that you have in Pigeon Forge I know a lot of people come to your area for vacation certainly a lot of people come here to the Philippines for a vacation but uh yeah I'm
just uh hanging out I'll I'll try to go for about an hour and then um I'll probably do some editing I've got to edit the video I did with Chad so I turned the camera on Chad and I
got a great video with him I need to work start uh editing that uh I'd like to get it out tomorrow it may come out Sunday where are you Gerard uh because we had an earthquake Tuesday morning so
I woke up at around 2 am Tuesday morning here in dagate durn earthquake and was it Monday morning it might have been Monday morning uh yeah I think it was Monday morning actually time flies so fast here but
yeah Monday morning I woke up around 2 am and uh was like what's going on it was you know the room was kind of rolling a little bit and then I just rolled over and went back to sleep
um not as intense the most intense earthquake I've ever experienced was in Peru about three and a half years ago oh you're in Ben ni okay so you're in SoCal yeah California definitely is earthquake earthquake prone certainly there's
a lot of earthquakes oh yeah 3.0 is not bad the strongest one I ever went through was in Lima Peru was about a 6.4 and I thought the building was coming down I was up on the fourth floor
this was in MRA Flores uh District in Lima and why don't I pull that up actually that would be kind of interesting to look at how's everybody's week going I guess we're Thursday morning in um in California getting
close to lunchtime on the East Coast yeah so I was I was here in this neighborhood when that happened and I don't know I can't remember the address I I never remember the address but anyway yeah the furniture
started going up and down and like slamming up and down and it was uh yeah it was crazy I mean I I was laying down to go to sleep it was around 10:00 at night and all of a
sudden the furniture starts slamming up and down and the building starts rolling and I just thought oh I guess this is the end if this is it you know at least I went doing what I love traveling the
world uh and then it stopped and I was like ah whatever and went to sleep turns out a bunch of the people in the building went outside to chat and uh yeah it didn't bother me a bit for
whatever reason earthquake to me like I they I maybe I just hav't you know knock on metal knock on my laptop haven't been through one so serious that it really bothered me um yeah it just hasn't been that
major of an issue maybe in the future that'll change I hope not but never can uh fully predict those right GMM good to see you good evening from Bangkok soon Friday the 13th hope you did buy some Lottery
oh yeah tomorrow is Friday the 13th it's uh yeah I mean 13's an unlucky number a number of the buildings I've stayed in uh throughout Thailand did not have a 13th floor they had 12 and they had 12a
and then they had 14 so yeah 13 is definitely definitely regarded as an unlucky number I haven't really spent as much time in SIU Sabu or in Manila but I suspect they probably have some of the same things
going on uh 7 jard says 7:30 a.m. yeah it's early morning Gerard says 5.1 yeah 5.1 would you definitely feel it more than a 3.0 um Sky Stone did you try Christian Filipina for finding dates yeah so I
haven't yet uh sky but I am trying to set up an affiliate uh link with them so I need to actually link with some of my friends about it to troubleshoot it uh because I think it's a great
option especially if you're uh you're a guy and you're interested specifically in Filipinos who are Christian and to be fair most I would say most Filipinos are Christian whether they're Catholic the woman I went on a date with
tonight is Christian though not Catholic uh but yeah I think it could be a great option I've heard that they do a great job of filtering uh day candidates uh bachelorettes as far as just making sure they're you
know following the rules and that uh they're genuinely you know interested in a relationship um because there's a lot of challenges with any dating site in the world uh but I think they do a great job just as
far as what I've heard from friends I know I have a lot of friends who are working with them just because they feel like hey uh Christian Filipina is able to offer a uh you know a solid experience
for uh you know those who are looking to use it but no I haven't I haven't used it um I'm I'm trying uh approaching uh in person I've also had people recommend their cousin or their sister or their
niece um you know that kind of thing um but yeah I mean it's great you know even if you don't find uh the one on there it's great to learn about the culture uh it's great to have some
of those experiences where you're like hey you know this is what I'm looking for this is what I'm not looking for uh I think any tool that you could use as long as you're just being safe and careful
it's uh yeah I mean you know there's there's so much kind of stress in the world that I I support anybody that's you know looking for love in a good way uh GMM earthquakes really make you feel small
and realize Mother Nature's forces yeah that one in Lima GMM definitely made me uh somewhat humbled I mean I was kind of in a days right I was so tired it was 10 o'clock and when I was in
Peru I was in fantastic shape so I was like drifting off to sleep just kind of um you know halfway in between sleep and wakefulness and everything just started slamming up and down it was at first I thought
it was like loud music or I thought there was I thought the furniture just decided for whatever reason to fall down it didn't fall down fortunately there was like a bookshelf and the bed and all that uh but
I'd never been through an earthquake like that before I you know I I didn't think much of it the Airbnb host reached out to me the next day asking if I was okay and I told her yeah it's
I'm fine you know 4.6 magnitude centered in Malibu oh wow okay I see you know I never I don't think ever went through any that I felt when I was in NorCal the last big one I heard about
in NorCal or in California Gerard was Loma pra earthquake uh think that was 89 that was the last big one I heard about but I've heard that California is due for a big one so I'm not sure when
it'll happen I'm not sure when it's coming but um but yeah um and Sky I'm not I'm not opposed to using Christian Philippine in the in the uh in the future so you know for whatever reason the woman
I'm chatting now uh it doesn't pan out you know we just had our first date i' you know of course I'd be happy if it you know things progress but if not I understand you know unlikely that I'll
find love in just the first month that I'm here in the Philippines but uh yeah I would definitely not be opposed to using Christian philipina i' I've tried some other just unwind this I got to untangle my power
cord here I've tried some other dating sites like Tinder I've had friends suggest Bumble I haven't used Bumble myself I also have a profile on Facebook dating that I've used a bit but it's uh you know the interface
for Tinder is great of course I think Tinder is not necessarily what it used to be just my personal experience it's uh you know it first came out gosh getting close to 10 years ago I had great experiences
on Tinder but I think as it got more and more saturated then uh it definitely changed the landscape of dating and not necessarily in a positive way and so that's where I think websites like Christian Filipina come into
play where they're still trying to do more of that quality control uh still concerned deeply about I think anyway about user experience where I think Tinder is more I don't know I I don't know that they're always as
concerned about user experience just my personal opinion hey Chris good to see you welcome welcome it's uh always good to see Chris in here he's um very experienced as far as living overseas and I think he brings a
Nuance perspective to our conversations and discussions H Josh Rowley ha just woke up because of that earthquake yeah that uh that's interesting so yeah an earthquake woke me up the other night it was around like 2:00 in the
morning and um here in the Philippines and I everybody I ran into for the next couple days asked me hey did you feel that earthquake hey did you feel that earthquake and uh it was kind of funny I
was one of my friends slept through it over here so the one we had over here one of my friends slept right through it said I didn't even notice it but most of my friends woke up or they
were awake and they noticed it I think the one we had was not uh you know not too significant similar to uh that one what kind of loud music do you listen to yeah Gerard I'm not as much
of a music guy these days I do like to listen to hip-hop music sometimes uh I'll listen you know I listen to some of the music I grew up on Modest Mouse is something I've been playing a lot
lately I'll just throw that in the chat Modest Mouse um grew up on Modest Mouse one of the first uh bands I ever got into 20 years ago man I feel feeling my age a bit I started listening
to Modest Mouse after seeing their music video for float on on MTV aging myself again and then looking into their other music uh and yeah that really kicked off like my love for music but now I'm much more
into just watching like informational YouTube videos trying to learn as much as I can about the Philippines it's been a big one for me where with my limited time just trying to absorb as much as I can from
guys like uh Chad and Mike and Paul who have really great content and really in depth and they craft all of these narratives that help you to kind of understand the dynamic here that you wouldn't understand overnight you're
only really getting that Insight from these guys who are living here and have lived here for several years where they've seen what seems like every story in the book and they can articulate very well um so that's where
I find more value but I mean nothing wrong with music and I've certainly been hearing some loud music from uh you know different people around the city that they want to enjoy it they want you to enjoy it
too Karate Kid you did the right thing to move to the Philippines so did I it will change you for the better yeah Karate Kid I mean it's it's nice here I like it a lot I've definitely been
smiling and laughing a lot more than usual been laughing so much some days my stomach hurts uh but yeah I noticed my default back home is kind kind of frown and to be unhappy and here I'm catching myself
frowning sometimes unintentionally and I'll I'll break out into a smile and especially like you know going on a nice date like I did tonight I was definitely smiling from that and uh feeling a bit awkward it's the first
date I've been on in a very long time and uh you know felt a bit awkward about it and I think she could pick up on that and laughed a bit but it didn't bother her I think in
some ways they may find it in hearing that you're not uh you know this experienced kind of uh serial dat or for lack of a better term I think the phrase chick boy gets thrown around a lot if
you're a guy who's really you know trying to play the field and you get that reputation it could really harm you but I don't have that uh reputation I'm I'm much more laidback and and reserved compared to when
I was younger I mean when I was younger I dated around a ton in the US and do plan to do a video about that uh upon the pro prompting of some of my vlogger buddies they're like open
up about it chat about it talk about it uh because from like 18 well from like 17 16 17 to about 25 I dated a ton I mean I just dated woman after woman after woman after woman dated
dozens of women uh and then around 25 it just kind of fizzled out started to travel to Asia um enjoyed my dating experience again in Thailand uh and then also the Philippines um but then you know I I
went back and I was working in the US for a couple years didn't date at all in that time period I could have but just you know just wasn't just wasn't seeing what I was looking for and so
now that I'm starting to get back into it here in the Philippines there is kind of an awkwardness or a bit of a rustiness that comes with that but fortunately a lot of Filipinas you know they don't you
for that uh I think that they're not necess looking for that um in the same way that some you know the dating culture in the west I think it's more about fun it's more about entertainment it's not necessarily
a serious relationship oriented so uh not that you can't have fun there's definitely some women here who are looking for there who are not looking for something serious um by the way 14 viewers thank you so much everybody
please give us a thumbs up it really helps with the distribution of this video uh to and to share it out to more people who could benefit from this content um yeah I can't thank you enough everyone for
joining tonight I know it's late night in the Philippines it's early morning in parts of the US closer to midday and toward the east coast and then probably midday in Europe so watching GMM says watching uh oh I
wanted to tie in that uh you know hey Michael great to see you yeah Michael is uh a very kind supporter of the channel through membership um feel free to check out membership you'll get videos early eventually probably
here pretty soon Channel keeps growing the way it's been growing we'll do members only streams where we have a more private in-depth conversation I could definitely take more time to address questions or concerns or thoughts um I greatly
appreciate the support it's not required but it's greatly appreciated it definitely helps me to focus on content on making quality content on planning content out you know it's it's um some people say oh you know it should be
free and I think a lot of his content creators offer a whole lot for free but for those who want to get extra value then think it's also fair for us to be able to uh be able to
cut out the time necessary to provide that but yeah as far as dating goes uh very good experiences here in dumag um you know I'm I'm not in a committed relationship so I'm still you know willing to chat
uh different women but if I were to be in a committed relationship or to take it to the next level then that would be the cut off point I wouldn't be looking to chat new women I wouldn't be
approaching women on you know in the context of dating of course if you're in a committed relationship then you want to be respectful of that uh a lot of you know a lot of guys like they they're in
the west they're underestimating their value they think I can't get a date in the west where two-thirds of young men are single so it must be a me issue and I think it's like ah no it's just you
know you got to go where you're treated best you got you know famous words of nomad capitalist you really ought to look for places in the world where you're more appreciated um that may not be the Philippines I'm
not saying you won't be rather you may prefer to live somewhere else but there's a lot of different places around the world where the qualities that may not be appreciated in your home country may be more appreciated may
be more respected uh people may be less likely to take that for granted I think in the US we're always looking to upgrade we're always looking for the next best thing I think men and women are guilty of
this uh but you know if you're you're not looking for you know a famous actress if you're not looking for the you know America's top model then you know you just want somebody who uh is going to be
a quality partner you know there's eight billion people on Earth and presumably I think 80 or 90% of my audience is male there's four billion women on the planet and if you cut out all the ones that are
not appropriate you're still left with quite a large selection so I think there is uh I do believe there is someone for everyone out there uh I'm not so much sure I believe in like you know I I
don't believe that you're necessarily going to find that overnight I think it's going to be a time investment I think you're going to probably go you know through some people dating some people that aren't the right fit before
you find that right one but I think they're out there um I I think that people can find somebody that they're compatible compatible with not just from a looks perspective but also from a personality perspective and uh I've
had so many friends come to Southeast Asia as an example and find a quality partner and settle down and uh you know have a life that's more in line with what they want as opposed to life they have
to have back home due to you know just just some of the challenges back home um GMM says watching movies and TV series is still one of the best ways to understand culture and languages in Southeast Asia I
think that's a great Point GMM uh you know entertainment is a great way to get insight into the mindset of people in different countries um they're able to express some things maybe they can't say out loud right whether
it be uh about the Romantic scene or um you know whatever it may be they they're able to kind of show it in an Artful way I've definitely you know for example Tha horror films are awesome I've seen
some horror films in Thailand that are very different from Western horror films probably more similar to like Japanese horror films which I'm also into but uh don't watch as many these days but yeah worth the discussion skystone says
do you think Jeep tours for tourists would be popular in the Philippines absolutely um yeah I think that's a that's a great Point uh Sky I think there's some of that it's uh it's more often at least than
doag Getti from what I could tell sky that you're getting a trike tour like you could get a you could hire a trike driver for a day to drive you around uh but I think Jeeps would be the
next level up in terms of comfort right you could have the Aon running uh you're probably have a little bit comfier seats you're higher up off the ground so ideally not quite as bumpy of a ride and uh
yeah I think Jeep tours would well here Michael says howdy yeah yeah welcome welcome Michael thank you so much for joining us tonight um you know I think Michael is one of those guys that found love over here
in the Philippines and every time I see him on stream he just looks happier and happier I know that uh you know as far as I could tell he just is a happy guy and he's he's found happiness
that you know for some of us we struggle to find back home now just because he's happy here does that mean you'll be happy here not necessarily but I think that he's not the only guy that's going to
be happy here in the Philippines hey do you drive over avoid my rage hey do you drive over there do you have a driver's license I don't um so I do not have an international driver's license I do
not have a Filipino driver's license so I don't drive I take public transportation I take Jeep KN I take trikes uh if I were to stay here if I were to commit to a year what I would do
is I would buy a uh an electric three-wheeler um so they have these three-wheelers they got I think it's like one in the front two in the back or two in the front one in the back so it's
like a tripod shape and it's just much more stable um it's not it doesn't have the same risk of a motorbike I really am not interested in driving a motorbike I'm not very coordinated I just feel awkward on
them I didn't grow up riding them and so I just don't think they're right for me I've also seen a number of motorbike recks here already and I'm not envious of the people that go through that unfortunate circumstance
I just saw one today actually in front of Robinson's mall I saw a motorbike uh wreck now fortunately I think that was probably at a slow speed and it looked like nobody was seriously hurt but uh yeah I'm
very cautious about driving in Southeast Asia it may have been uh Chris it may have been one in the front two in the back so I still haven't seen it up close uh my friends have told me where
I can go find one they run about 1,200 us one of my buddies was talking about we should do a fundraiser for me to get one and uh yeah I mean it would be fun you know it'd be
a lot of fun but yeah they're more stable like they don't they're not as much like you know I don't think you have to have the same level of skill now with the one I'm looking at that's 1,00
or I want to go look at it doesn't do Hills well so you might be able to get up to like Valencia like the area west of the city but you're probably not going too much further up than
the plaza um so I would call it more of a Town Car you're driving it around town running errands not as much something I'd want to go take on some long adventure I think they're also electric powered so
I'd have to pay uh I don't know if I there's like a charging charging stations in ch in town I don't know that I could charge it here where I live um but yeah it seems cool GMM says
nowadays it's the hunt after a good lady that's exciting and fun not the play in relationship oh I've been in Asia too long yeah I mean hunting for the right one is so important not um you know not
getting ahead of yourself and we pull up dumag Getti here change the scenery staring at there we go so yeah this is this is Robinson's mall right here just south of downtown it's about a 20 minute walk from
here to the boulevard I half the time I'll have the Jeep KN driver drop me off here and I'll go into the mall I'll get an energy drink I like to start my day off with an energy drink
that caffeine helps me wake up and I'll walk around the mall maybe have lunch work on my laptop I like to work on my laptop in the food court or I'll work on my laptop in a restaurant am
in whether it be sansal or a Moon Cafe is another place I really like and then usually when it starts to cool off uh maybe even before it cools off I'll go down to the bouard and I'll step
into a cafe I'll work on my laptop until around yeah like 5:00 pm and then I'll go out on the boulevard I'll meet up with friends I'll be socializing and hanging out with people I do that until usually
around nine o'clock uh and then around 9:00 I'll hop on a trike and I'll come back home usually get home by 9:0 9:45 and I'm pretty worn out I'll usually watch YouTube until I fall asleep um Gerard and
shre both ask about the job interview so I had the last job interview I had was last Friday so almost a week ago I heard back from the hiring P hiring manager or hiring personnel Monday or Tuesday and
he said he needed to check in with a team in in chat uh so I lean toward that I didn't get it because it's been almost a week since that last round I haven't heard back from them but
they did tell me it was a little bit slower hiring process that they're not uh they're not rushing through the hiring process so it could be that I find out tonight or maybe even like technically my Saturday I
don't mind don't mind the extra time at all I'm loving my time here in the Philippines I'm not in an emergent emergency financial situation so I'm not in a situation where oh I've got to rush back because I
was I needed a job yesterday however to answer your question Josh uh I'm not I'm not financially independent I am interested in fire at the income that I made and my last job if I'm able to get back
into software sales I should be financially independent in a few years I estimate 3 to four it could be shorter than that depending on how my investments play out depending on uh if I get promotions depending on my
bonus checks depending on if I'm able to continue to moderate my cost of living uh my last job I was saving around 70% of my income uh so I was living on a fraction of what I was making
and banking everything I could possibly Bank uh because I knew Tech is volatile and I also knew after traveling in Southeast Asia um I wanted to live in Southeast Asia that uh United States fantastic country for making money
if you're somebody uh you know if you're somebody who um you know you want to to maximize your income I don't think there's much better that you could do than the United States once you've made some money once
you have some wealth I think there's some other places in the world that are better to enjoy it I'm also a fan of Latin America uh if I wasn't here in the Philippines I would consider Peru I like
Thailand a lot but I think that the that Spanish is just a much easier language for me to learn I already have basic Spanish I can pick it up pretty quickly I just like the sound of it it's
kind of musical and it's um it's very very uh very comfortable language to learn um so yeah I may not get that job I'm cool with it I I could easily live in the Philippines for another year at
my current expenses and not even think about it um anywhere [Music] I karate kid says anywhere I went outside the US I was a hot commodity it might be a Puritan mindset yeah Karate Kid I absolutely agree I
mean I think that in the US it's people look at it as something to be ashamed of uh they look at it as something to be embarrassed about um and a lot of the world doesn't function that way
some a lot of places do function that way but uh yeah I think it's just a hangover from the Puritan days and uh people are just kind of uptight about it they look at it as I don't know
it's just not a very healthy mentality in my personal opinion you see that with the declining birth rates in the United States I mean it's you know I I had in the past arguments with friends about it who
are more that pure to mindset and I'm like man you guys get any more uptight about this there aren't going to be any more Americans uh you know unfortunately that's just the consequences if you look at it as
something to be ashamed of if we look at our bodies as something to be Ash as shamed of apologetic about uh the consequence is you know fewer births and that's not sustainable um yeah it's just not sustainable um
karate kid says you can drive with your us license for about six months you can buy a multicab for around 4,000 they come with air automatic with power windows and doors just get it from a good dealer yeah
I've heard about multicabs I've had a few friends tell me about them you know I think think this option is a bit more economical but certainly you know if my my income grows uh then a multicab seems like
you know a good idea after GMM says after 15 years in Southeast Asia I stopped driving a scooter seen too many accidents and been in three myself I'm not under 30 and stupid anymore yeah I mean people get
in their heads like Oh I'm a good driver I'm a good driver I'm sure you are I'm sure you're a great driver I'm sure you're responsible I'm sure you do the speed limit I'm sure that you don't uh
embi embi beverages have any drinks before you go out but you can't say that for everybody right just like in the US I tell people all the time it's not about your driving skills it's about the driving skills
of the drivers around you and unfortunately not everybody is paying attention not everybody's in a good mood not everybody's focused some people are tired some people just broke up with their girlfriend some people uh I don't woke up
on the wrong side of the bed and so I don't trust everybody 247 to drive properly because I myself have been stressed out when driving drove a bit aggressively um you know maybe wasn't thinking straight for whatever reason
and I don't anticipate anybody else to be better than I am in that regard um so I lean toward having a more stable vehicle I think the ideal is a small car I have uh some friends that have
small cars and those seem to work out really well uh you know very stable very comfortable to ride in easy to park in the Philippines um reasonable on gas too I mean gasoline is expensive here so uh yeah
can you be transparent around them about the amount of money you make right now from YouTube and how do you plan to fire dividends yeah sure so my income has really taken off in the last since I got
to the Philippines it was starting to pick up in Thailand um I would say I'm making like a couple hundred bucks a month right now now not lifechanging money not uh certainly not comparable to my income potential in
the US but I think it'll grow I do plan to roll out Consulting much to the shrin of some people I will be rolling out a Consulting offer I've already put the framework I've already recorded the video I
just need to edit it but just talking about how I can help the goal of that would be to help you you know whoever is interested in that to save money and save time everybody you know there's a
lot of people out there that they don't need it right they're living over here they've spent plenty of time here it's just not going to be of value to them it's not going to be a who they're concerned
is they're going through this existential crisis in their home country where they're thinking man my life is not panning out the way that I thought it would I don't have the opportunities that I thought I would whether it
be relationships uh whether it be quality of life homeownership um all these issues are starting to become more and more of an issue in the west and so if I could help some of these guys save money save
time uh better understand what they're looking for help them narrow down their options then I'd be happy to do it and I think the amount that I charge would be very reasonable uh in comparison to the downside risk
right I mean some guys are going to come over here uh and they're not going to have planned it out very well they may have not thought it out very well uh and they're going to be unhappy and
they're going to go back home dejected so if I can prevent some of that provide some Alternatives share my insight about different countries hey you know what Philippines may not be the right fit for you it's not for
everybody you may prefer to be in Thailand you may prefer to be in uh Mexico you may prefer to be in Colombia these are all places that I've spent considerable amount of time in I lived in Colombia for
several months lived in Thailand for a year spent about a month in Mexico me love Mexico I think it's the easiest option for Americans honestly if people would ask me what's the easiest option coming from the US well
it's South of the Border you're still connected to the US you can get back to the US quickly uh very easy to convert US dollars to pesos plenty of English in the hot spots that you'd be considering living
in so even though the Philippines is fantastic for me there's a lot of great options out there but yeah I hope that answers your question um Trier you know a couple hundred bucks a month certainly not enough to
get rich not even enough to cover all my expenses but it could very well grow to a level that does cover my expenses I'm you know I'm doing this in part as a passion project I'm passionate about helping
guys who want to move to Southeast Asia um you know who want to live over here who uh you know they're not thinking necess about the psychology or maybe nobody's talking about the psychology of living over here also
doing the interviews I think the interviews are really helpful for people and then also the financial part right um the financial part is not something I've covered as much as I want to but it's something that I need
to get more into um the problem with the financial part and this is something I need to get over is anytime you throw out what you spend half the people are going to tell you you're not living you're
not spending enough and the other half are going to tell you you're spending too much doesn't matter what number you throw out there there's always going to be people that don't value from it don't get value from it
because it's very individual specific uh so I would have to be targeting Bachelor budgets right the guy who's coming over here to live as a bachelor maybe he wants a girlfriend but not necessarily supporting a family because I'm
not necessarily sure if I want to have a family uh you know I just am unsure about it right uh it could change it could change but where I'm at currently as far as just resources as far as
lifestyle preferences uh I could have you know I could start a family much later in life I've had plenty of friends here from 40 to 50 to 60 to 70s start a family or I start a relationship with
a woman from with children from a previous relationship there's nothing wrong with that I do think parenting tends to make people happy not necessarily having kids so the active parenting can actually bring a lot of joy to a
person's life that mentorship that guidance that uh that sense of fulfillment that you know not necessarily getting as a bachelor now we can be fulfilled in different ways but it's very unique sense of fulfillment that's been really Timeless
um and how do I plan to fire dividends yeah sure I I have a lot of growth stocks right now my plan is after a certain point I I have enough that I could pull in enough from dividends
buy you know Go full on on dividend stocks and just collect that cash flow and live off that cash flow and not touch the principal that's that's the rough goal I have Sher uh as far as like Financial
Independence and then build YouTube on top of that once I get say a th000 to 1500 I lean toward 1500 a month from dividends then um then I can go fully focused on YouTube I can put all of
my time and attention on YouTube won't worry about doing job interviews uh which do take a fair amount of my time and attention even if I don't get an offer it's still a significant time investment I'm staying up
late um you know know answering a lot of questions and all that it's it's a pain to get a job especially in this job market Josh says nice I've been saving around two-thirds of my income I'm far along
my fire journey in the US but could take a shortcut by moving abroad and be fire now yeah definitely worth considering Josh um it's uh you know there's a lot of different lifestyle options abroad that are harder to
pull off in the US whether it be economics whether it be Logistics whether it be uh the wrong culture fit um the most desirable places in the US in my opinion aren't necessarily the best places to make money
some of my favorite places to live have been in rural Colorado uh not a ton of job opportunities in rural Colorado right just very Spartan landscape kind of cold desolate very beautiful but not a place where you're necessarily
going to get you know a factory job or uh you're going to get a tech job unless it's remote um some other places I've been interested in or Hawaii also rural California not Urban California but places south of
the Bay Area Central California in particular is gorgeous and really nice but not you know not necess a place it's easy to get where it's easy to get a job Matteo says have you considered Panama Matteo so I
haven't yet haven't been to Panama I'd love to visit so as far as visiting goes I'd love to visit Panama I've heard a lot of Raving reviews about it including from yourself uh but also a number of expats
really like Panama they like the level of development they like the conveniences uh they like being able to fly back to the US whenever they want they like the international feeling I've heard a lot of good stuff about
bokete not just Panama City which is the obvious choice but I know Vagabond awake seemed to really enjoy B Josh says I don't know how much longer I can hold out in my job uh but just trying to
stick with it as long as I can I work in t two yeah is a grind Josh it's a lot of repetitive work it can be really a grind but you can Bank a lot of money you can
really set yourself up to have a a very comfortable life overseas for what it's worth I'm not as comfortable as I could be I didn't make all the great decisions careerwise that I could have um I got into
Tech relatively late uh and and haven't had the longest stint in it so there are days where I'm like man I wish I had some more money of course I'm sure we all feel that way but the other
side of it is like look I've known people with tons of money that still wish they had more money um so I think that you can't always you can't always wish you had more money I know everybody does
but like there's some level of balance of course balance what is balance right so you know I'm sure you won't regret it when you make that decision whether you want to stay in the US you want to go
abroad then uh you know having that extra money in your pocket you won't regret it you know you could treat yourself to maybe a nicer place and you would have had uh you can have some nicer meals than
you might have would have had planned for originally maybe do you know take some more vacations from your vacation I love that phrase by the way I need a vacation from my vacation um yeah and I'm I'm grateful
for the time over here and I mean even even on what I'm spending I would say I'm spending probably around a thousand a month the average family here uh making around $250 a month so this idea that oh
it's such a bad life I have a comfortable place I eat great food I can afford to go on dates uh I get around town just fine I have a vibrant social life um I'm also young so I'm
also in the position where I'm not at a major risk of some major health issue coming up uh I'm also comfortable with public transportation um I don't have the same need for Comforts that a more senior expat would
have Lex Vex welcome Lex I think this is the first time I'm seeing you just uh came from watching your interview on Chad Foster's Channel great stuff as usual thank you so much for joining Lex I really enjoyed
chatting with Chad he's a great guy I mean he has been so generous with his time as far as teaching me stuff um pulling stories out of me getting me to see angles that I never thought were possible
before I think that he's his channel is only going to continue to grow rapidly people really enjoy his content and for good reason he's original I mean he really does things from a different angle and I think he's
gonna see massive success on YouTube I wouldn't be surprised I won't be surprised when he hits 100K 200k uh and more because he's really I think building out a blueprint for younger guys he's not the typical xat reti
in dag Getti um you know he's a guy who's in his 40s to a very different demographic from your old dog new tricks from your Mike's Philippine retirement uh from these guys who are more what you call like
a classical retiree where they've got their social security check and that's what you know is is covering their basic expenses uh shreer about six s% of all YouTubers make over a thousand a month on Vlogs only that's why
they sell memberships get sponsors and even beg in live chat yeah you'll never catch me begging um I have heard and seen that I look at it like if I'm going to beg I'd rather just go get a
job in the US right because my income potential in the US is far more substantial than my income potential here and it's going to get me to my goal a lot faster and it's more intellectually stimulating and it's
not um what's the word I'm looking for it's not embarrassing like I I have sh I have shame right I you know I come from from uh Japanese culture that is top priority in Japanese culture is avoiding shame
so you'll never you'll never see me uh begging here you know I'm I'm happy to do offers I'm happy to provide additional value for compensation uh just as you would in your job right I mean anybody who works
a job uh if they're offered a promotion their expectation is I'm gonna have to offer more value to the company they're not just giving me more money uh for no reason right they're getting extra attention from me they're
getting a deeper skill set they're getting uh you know management responsibilities in some cases they're getting a lot more from me and so that's how I feel is I'll always have plenty to offer for free on the main
Channel but if you want to take it to the next level you can if not doesn't bother me it's uh for me I'm nowhere near even paying for all the Investments I've made in the channel right I mean
I bought camera equipment um I would say I've easily spent $5,000 on gear for the channel if not more than that and uh and this isn't once again I you know I do this because I enjoy it I
enjoy connecting with you I look at it like being able to meet so many different people that want to live this alternative lifestyle is worth way more than $5,000 um but that's roughly you know what I I've put
into it I I think at this point that may be a bit of a low estimate you could say all this time I've invested in Southeast Asia in living in Latin America is greater than that um but yeah
it's it's far more lucrative for me to work in the US and just sock away money but I risk you know I I risk the public embarrassment to um to make an impact Christopher says I see it as
just good risk management the juice isn't worth a squeeze not sure um not sure about what that's in reference to Chris please if you can't expand upon that uh Gerard says where do you not want to visit anytime
soon yeah that's a great question Gerard Morocco uh I had a difficult experience in Morocco um yeah that's a I would say that's a big one you know uh I'm not going to get into that story I've mentioned
it before but uh yeah I don't and I may do a video for my members only for for that one um part of the reason for members only is I could talk about spicy content that I wouldn't feel
comfortable sharing publicly and I assume those who would have a problem with that spicy content aren't going to pay money to get access to it um that the only people that are going to pay me are the people
that trust me to be honest and to be able to expand on some of those spicy topics but yeah Morocco is a country I don't anticipate visiting again anytime soon I may never visit Morocco again in my life
time um where else would I not go to yeah I mean I I would say Morocco is top of mind um it'll probably be a while before I go back to Vietnam as well um yeah it'll probably be
a while before I go back to Vietnam Sher says that's my goal as well 2,000 to 2500 in monthly dividends gone yeah I think that's a solid amount Sher I think you're going to be able to live comfortably
on that amount in uh in much of Southeast Asia uh Singapore not included but most of Southeast Asia that's a solid amount of money that you'll be able to cover your insurance renting a nice place eating uh healthy
meals getting around town taking an occasional vacation that's a solid amount for sure uh maau welcome welcome uh GMM it's so cheap to do full medical checkups in most of Southeast Asia so being young is into protection spend
less than 100 for a comprehensive medical checkup per year yeah I think that's a great Point GMM um certainly worthwhile to do a medical checkup I had one in Tha I had a couple in Thailand and uh I
may get one here and do meetti um around my birthday so my birthday is in three weeks actually three weeks from today and uh I should probably go and get one I'm turning 32 years old so uh yeah
it wouldn't be a bad idea for me to go get a comprehensive check just make sure there's nothing major wrong with me I do struggle a bit with autoimmune disease um but I don't know of anything else like
that thing feels weird I have my normal aches and pains but uh I I feel like I'm probably in Peak physical condition as far as my life goes probably downhill uh starting at about at 35 36 but now
whatever I've gotten a lot of mileage out of this meat sack Chris says Alex I was commenting that I don't drive in Southeast Asia public transport Gra Uber driving while being an xack come with some risks over here
yeah and Chris you know I think we're probably on the same page about this it's so cheap to hire a grab um and you know public transit it's just so cheap like why worry about it right why take
the risk you know it's uh there's a lot of risk that comes with it right I mean if you bump somebody um you don't know necessarily the rules of the road maybe you get stopped um it's it just
comes with a lot of hassle I also find the roads over here to be tighter whether I'm in Thailand uh or uh you know I'm in the Philippines the roads are just tighter you just don't have as much
wide room uh you have chickens running out in the road I mean when I was in in uh in another Southeast Asian country you had like regular bicycles you had motorbikes you had animals out in the road uh
it just gets to be a bit chaotic in some places and the risk isn't worth it I'd rather have somebody local Drive they know the rules of the road they know what to expect they've driven around that City
they know the speed limits they just know how to handle the situations much more effectively than I can and the cost is so low it's I I think it's often not worth it to own a vehicle unless you're
permanently settled somewhere you've been there for say five or six years you really know what you're doing uh and even then I'd hesitate to recommend it because hiring a driver is just so affordable now you do run the
risk of scams uh taxi and Driver scams are unfortunately prevalent around the world and you've got to be cautious uh wherever you are about that so that's the tradeoff but uh you know if you got a local partner
you got a partner from the area and she can help you navigate those Waters then that can definitely help how long will you you be planning on working in the USA to make your dreams come true like living
in the Philippines great question so it depends um depends on if I get back into Tech sales uh it depends on how much my YouTube income grows I I'm happy to do a combination of those two I think
it's great to have multiple sources of income uh because some people will say all my investments my investments and yeah you're Investments can do really well but maybe they don't maybe you got a down year maybe the market
goes down better to in my opinion regardless of how much your income is to spread it around my ideal would be if I just had to throw out an ideal 1500 a month from dividends 1500 a month from
YouTube If I could do that if one of my incomes fails if one of my income gets cut in half I'm not all of a sudden you know destitute I mean there's guys who've had investment accounts I think
Steve from Philippines info Channel where his bank caught on that he was living in the Philippines and forced him to sell all his top his stocks and shut down the account what do you do now you've got all
these taxes you've got to pay now you're trying to find another brokerage for your stocks now you're trying to transfer hundreds of thousands of dollars over now you're trying to come up with an excuse to an American Stock
brokerage why you need an American Stock brokerage account even though you don't live in the United States anymore U this idea that oh I'll just have this investment income and it's going to be perfect no I mean Chad's
brilliant in that way and the he talks about multiple sources of income he's got his uh income from his rentals and he's got his YouTube income and I'm sure he's got some other ideas in mind uh but you
really want to be antifragile you want multiple different streams that are paying you uh in my personal opinion you need multiple streams because if one thing fails you don't want to oh no where's my money I've got no
money like no I don't I don't like that idea um so that's another reason for me building up YouTube is if I build up my Investments but I get rejected by my brokerage right now I'm with better I'm
I'm going to have to move a bunch of money out of betterment to uh another company if I stay in the Philippines longer than say February March I'm gonna have to move it because they already threatened me they
said look we don't support people outside of the United States we don't accept customers who do not live in the United States so that right there even though it's just cash it's a pile of cash it's my emergency
fund uh they're already giving me they're already um what's the word um they're already warning me hey this is a limited timeline that's not even Investments that's just a pile of money so yeah having different sources of income
I think is part of how a person can protect themselves from the downside doesn't necessarily mean YouTube YouTube works well for me uh but you know having like say some real estate and having some stocks and uh maybe
having an online business maybe you offer Consulting maybe uh you know you come up with some different ways of bringing in dollars because you can never have too much money nobody I've met as that's an expat has ever
told me I've got too much money um some will brag about what they've got but I've never heard I've got too much but as far as how long if I were to go back to us let's say I
get this offer I go back in about a month three or four years is what need if I'm able to maintain that level of income uh at what I was making um you know yeah three or four years
and sock away 70% and I'll hit my fire number uh and then I would just go full on on YouTube but let's say my I keep growing my YouTube channel on back in the States which is my intention
if I do get an offer back in the States I want to do at least one video a week ideally one stream as well per week depends on how worn out my vid my voice is from sales um
but yeah goal would be probably three or four years um and that would also allow me to empty my storage unit sell everything sell my car I own a car in the United States outright I want to get
rid of my car get rid of all my stuff um see quite a few people in the states that I probably would not be seeing for a very long time uh because my long-term goal is to move to
Southeast Asia and never go back um that would be except to see friends back home I have no other ties to the United States really it comes down to two one is friends two is income aside from those
two factors I have no attachment to the United States uh very little interest to ever go back except to see my friends and no need to go back except for uh the financial piece of the puzzle this isn't
to disparage the US the US has a lot of opportunities but I've been there done that I've been there plenty lived there much of my life seen much of what I wanted to see in the United States had
the privilege to live in California which was a childhood dream of mine um and I want something different you know I I want to keep growing uh you know in many different ways personally and um my business by
the way guys there's 18 people watching please give us a thumbs up if you haven't already hey to Buggy on it but uh it definitely helps to grow the audience to share this content the stream with more people
um but yeah that's that's a big thing is just like want to be able to avoid going back unless it's for interest as opposed to a requirement I do need to find and I've heard there's uh I should
ask Chris about this actually I've heard there's a certain Credit Union that Services uh former military but also Americans in general I need to find a brokerage that's cool with me living over here so uh that may be
something that's you know not easy to find but I need to find a stock brokerage where I can leave my stocks there uh and not worry about them threatening to shut me down or forcing a sale where I've
got all these tax taxes I've got to pay that I didn't anticipate paying um so that's top of mind for me if anybody knows of a brokerage that caters to xats I I haven't heard of one but if
there is one feel free to plug him in the chat I'll reach out to him on email but yeah thanks so much for the Thumbs Up Everybody by the way Chris says get into a fender bender in this
area and locals will come pouring out in the streets sometimes blaming the nicer vehicle and more affluent looking party you pay yeah you're G to pay you're G to pay um or you know face the consequences whatever they
may be right um most of us don't want to just up and leave over for you know uh overnight so most of us are going to be in the position where we're trying to figure out okay what do
I got to heay how much do I owe GMM says my old Honda Cub scooter 110c has been unused for almost one year now I think I'll sell it for parts to local mechanic I did buy it secondhand
so I paid for itself yeah if you got four years of use out of it that sounds good GMM uh Jesper says hi I'm happy to have stumbled upon your channel via chat after three holidays in Thailand looking
for a way to live there I have a bachelor's in education perhaps I can teach and live comfortably Jesper I would definitely if I were you one of things I would consider and this is just from what I
know not from personal experience you might look into uh getting that International experience under your belt and then going for international schools so that's just what I've heard is the international schools tend to pay a bit more I've
heard of some people teaching in the more affluent uh areas like Saudi Arabia or China and then taking vacations to Thailand that may not be what you're looking to do Thailand does struggle with having uh lower pay and
higher expenses because everybody loves Thailand right everybody want or many people want to live in Thailand so that's something to think about as well is that uh it could be valuable for you to teach in a more expensive
area and take your vacations to Thailand um and then you know you get that experience you apply to an international school that's going to pay a premium even within Thailand that could be a route for you to go
not trying to discourage you at all just trying to shed some light on that because I know a lot of people really like Thailand um I spent a year there from uh last summer to this past summer and
enjoyed every minute of it I'd happily uh be in Thailand except my education Visa ran out of time and I was ready to try something a little bit different but I wanted to get that experience on the re
Bel to be able to speak on it because I know so many guys want to live in Thailand and uh it's a great country I mean it's just so beautiful the tropical weather the food the people are nice
it's a great option I know in a previous chat uh or previous live stream somebody asked our Philippines and Thailand overrated and I'm like no they're the most popular two of the most popular or well-known expat destinations for
a reason Indonesia's up there I think of course in you know back in the west or the Western Hemisphere I'm a fan of Mexico Colombia and Peru um some people really like RG Argentina um some people really like
Brazil but yeah thanks so much for joining Jesper wonderful um always appreciated wise card is a good idea to have as an emergency Visa card yeah GMM I am a fan of Wise Wise is fantastic I used wise
all throughout my year in Thailand to transfer money to my Thai bank account I do plan to order one when I go back to the States even if it's just a visit I plan to order a wise card
I don't know if I can have one sent to me here and do MTI uh but I plan to have one in hand uh Chris says I agree with keeping a wise card handy GMM yeah absolutely Chris um
very good uh Insight wise is fantastic their service is great the product is great it's funny I'm actually interviewing with a wise competitor so I probably shouldn't be saying all this uh the company I'm I'm in final rounds
with actually competes with wise but I'm a fan of all the services I mean they all provide f fantastic service for people living abroad it's just a personal interest of mine um Gerard says perhaps Schwab yeah I I've
heard mixed things about Schwab I've been using Schwab with no problems actually I just used my Schwab card at the mall earlier tonight Gerard to pull some money out um Chris says haha GMM good plan so many people
from us UK New Zealand Australia trying to teach English in Asia the market is somewhat oversaturated and the pay isn't so good yeah it's just a struggle to earn enough to save I think of it as um you
know for a lot of people it's more of a lifestyle choice now you have formal education and an education which puts you ahead of the pack uh but yeah I mean it's it's a great lifestyle very desirable for
a lot of people but also that comes with the downside risk of lots of people right want to to live and teach English in Asia uh Chris says Alex some use Navy Fed with mixed results While others test
to USAA I don't know the requirements for joining these days yeah I'll take a look I think USAA is the one I heard about I thought I had an account with na fed but maybe no I had an
account with Pentagon Federal um but yeah not the same as those two Jesper says an international school would be ideal I'm not sure if you have to be a native speaker for that though it's it's more competitive to
get a job at a place like that I'm more I'm open to other places in Asia yeah jper you know I would say research Hong Kong I think their comp is compensation is very strong uh China as well
might be worth looking into I don't know I've heard some stuff about Singapore a lot of people in sing Singapore speak English but uh many would probably be looking for business English right they're looking to take it to
the next level um I know even Gio he taught business English in Sabu um so he actually got a job offer to teach business English where he's teaching English to doctors to lawyers to CEOs people that have have
very formal uh English expertise Beyond just kind of basic communication so even in the Philippines now those jobs are rare they may not even be as plentiful today as they were when he arrived eight years ago but uh
there's you know there's some demand there for sure for safety Asia is unmatched against most of the western world and Latin world if you're not a bar and SLE guy anyway y GM I mean I ate at a
Peruvian restaurant in Bangkok and I asked the owner he's from Peru why'd you come here right I mean Peru is a beautiful country he said safety he said there's starting to be some safety issues in Peru and he
wanted to get out of there and do something different so yeah Asia in general is fantastic um yeah fantastic for safety I feel very safe overall in Asia um yeah GM I mean you know it's I feel much
safer here than the US it's unfortunate what's going on in the US the US just broadly speaking uh just does not feel as safe right now I think it's part of it's the recession uh that nobody will call
a recession I think some of it is the just the chaos I mean it's just it's kind of devolving into chaos um some of it's the U upcoming US elections that are really having a lot of people on
edge I look forward to to that being over I that's part of the reason I prefer to wait until after all that's done and the ensuing chaos is done before I go back to us because I know no
matter what happens uh a certain chunk of the population is going to be unhappy half the population I should say is going to be unhappy with the result and uh they're going to you know they're G to raise
heck I mean there's going to be a lot of people in the US that are going to be very upset come November and I could say that without a doubt right I'm not I'm I'm homeless in that regard
I don't have a a side in the US that I'm on but a lot of people are going to be disappointed and they're going to have trouble expressing ing their frustration in a healthy way and I don't want
to be a part of that so that's that's another reason I'm I'm kind of pushing my return back uh because I just yeah Jesper says what's your opinion of teaching in Vietnam Cambodia or Malaysia uh I would say
of the three Vietnam is probably your best bet I've heard wages are still high I don't know if you're European of European descent so I've heard somebody that looks like me not going to have an easy time getting
a job in Vietnam teaching English uh and that if I did get one it would be lower pay um but yeah based on your background I'm not sure what it is but Vietnam I've heard offers uh decent pay
to cost of living ratio um so yeah Malaysia has more English and Cambodia I think your income would be a little bit more modest based on what I saw I was uh I watched a guy who did an
interview he's living in penom pen teaching English and yeah something to think about you said China would be okay but I do like good weather throughout the year yeah that would certainly be a tradeoff there uh Chris says
agree GMM treble is a two-way street in the southeast Asia if you look for it you may just find it yeah um sorry about the Barking by the way guys um yeah yeah I mean you could definitely find
trouble in Southeast Asia I'm you know I'm an a chill guy I come home pretty early go to bed early like to get up at a decent time spend most of my time working on YouTube or uh watching
videos reading articles um trying to learn most just spend I spend most of my time just trying to learn and that seems to do pretty well here I'm not uh I don't drink at all and I don't go
to The Nightlife scene it's just not my area of Interest Lex says we're definitely in a recession in the US Lenny says not here just yet I would say we're it's you're in kind of we're in kind of
a rolling recession uh so there's a recession in Tech I mean you look at the tech job openings I know because I got laid off last summer and a number of my friends have gotten laid off as well
um that you know in the comp the offers are not what they were a couple years prior uh so you know you definitely see that in the Bay Area right I mean um San Francisco is a ghost town
right now i' I've heard it's gotten worse since I left actually that downtown is more and more empty and they're just not having any luck trying to attract people to come to downtown San Francisco and spend money um
so yeah I think depends on who you ask Lenny it also depends on the statistics that you look at I feel that we're in a recession for me personally because I got um laid off but uh yeah I
think we're also like we've also witnessed the destruction of the middle class in the United States I think that we've seen asset prices stay high due to money printing uh but they're being a kind of a bodal or
bifurcation in wages where you've got people either making $15 an hour or like 100K plus um and not much in between there are skilled trades people that are doing well of course I think if you're a skilled trades
person you're best off to uh start your own business but that's a whole another conversation it's the whole Western world it's almost as it's directed and aimed yeah GMM it seems like coordinated like the whole of the West
is going through this recession and they uh um yeah it's just very sad I so unfortunate because a lot of people are really unhappy I mean you can see the mental health stats go way out of whack whenever
you know these kinds of things happen Jesper says yes I'm from the Netherlands thank you I'll look into Vietnam I don't need to make much but I would like to be able to save up a bit yeah and
you know Vietnam is a rapidly growing economy it's vibrant it's a young country it's uh interesting it's earlier in development than say Thailand but you've got delicious Vietnamese food there uh you've got some interesting towns and cities if
you're somebody who likes to travel I think Vietnam offers some great options Lex says GMM agreed um Paul says maybe better off with Fidelity is then you have Forex where you can buy currency like bricks if it comes
out in the end of October I live in Valencia but I go to USA as I have uh rentals ah very cool you're Valencia we might run into each other at some point depending on how long I stay
here Paul um yeah I'll look into Fidelity that's a great option I do have an you know what now that you mentioned it Paul uh my 401k is with Fidelity so actually I have a 401k from my last
employer at Fidelity and they're always pushing me hey you want to open another account so maybe I'll open up another account with Fidelity Lex says on paper not yet but looking around and hearing firsthand what's been going on
for a while at wager we are Lenny says I think it will get very bad in the second half of 2025 2026 yeah I think it's going to get worse because they're talking about dropping the interest rate uh
in a week right but they're only talking about a quarter of a point that's not very much of a cut right I mean going from five and a half or 5% to four and three quarters or five and
a quarter uh that's still pretty high in uh interest right so that's going to continue to destroy and break the economy uh to reduce the ability for business to invest to uh cut cause more job losses I mean
I think we're going to continue to have layoffs in Tech especially with the Advent of AI uh and yeah it's going to lead to civil unrest in the United States people are going to get very increasingly unhappy you're
going to see more people start to leave I think there's that's why there's so much anti-xa content out there I mean if I was somebody trying to get people to stay I'd write a pro I'd program a bot
and uh go through an attack xats troll xats I think probably some of the attack attacking that xat channels like mine are getting is bot saying no no no you need to stay here even though it's getting worse
you need to stay here and pay your taxes and spend your money when a lot of us are finding hey no no no no no no I can go over there I can enjoy a better life over there
you want to make a mess here I'll go over there because much of the West W World outside of Europe has been populated by people who Moved countries people who came from another like you think about the commonwealth
countries or the former colonies they're comprised of people whose ancestors were were Risk Takers people who Moved abroad and those people are going to be able are going to be willing to move abroad again I mean why not
right they were the people who are willing to take they are descendants of the people who are willing to take the risk to move to another country why would they not be willing to do it again it just
seems so painfully obvious to me um that more and more people are going to be willing to do that I have more and more what I would call normal people uh you know move uh abroad people I never
or to visit abroad people I never thought would go to another country people who uh when I started talking about doing this five six years ago they weren't rude but they were just skeptical right they were like ah
you know that place seems kind of dangerous or that place is really far away from here and now things have gotten bad enough in the states that some of these same people are like man you know I'm planning
my first trip to Thailand I'm planning my first trip to the Philippines uh that you know I I love my home country I love the United States but to say that it's is what it's always been is just
inacurate it's you know you're talking about La La Land um to say it's identical to what it's always been um Paul says I'm a master plumber and HVAC owner who retired here so best to have savings assets for
passive income stocks and bonds crypto tangibles like something you can trade or sell yeah assets are the way to go that's the way to fund your life abroad it's not just a stack of cash I think you need
a stack of cash as an emergency fund but you want monthly income you want x amount of dollars or your or Pounds or Australian dollars New Zealand Dollars coming in every month such that you're like okay every month
I predict that I'll have X amount and uh I can dip into my emergency fund if that changes if I need to find a new tenant if I need to hire a person to come in and repair or
fix things um yeah very good call out Paul I think that's part of my interest in the financial Independence Movement is pursuing asset ownership where I can collect rental uh rental income or I can collect dividends uh having
your own business is another way to do it that a lot of people don't talk as much about because you are going off on kind of your own you're taking a risk a bigger risk than say just owning
some dividend stocks and collecting your paycheck I'm sure you got to do some managing you've gota you probably had to build up your business um build out customer base that kind of stuff but now that you got it
built up you do have that recurring Revenue right you get people that need your company's plumbing services uh you get people that need your hva services and they'll and you know I'm sure you provide a great service Paul
where those people for their friends they'll bring in other people they'll say man you know Paul's business they're really of great service to me they you know I had this massive plumbing issue was such a headache and now
it's fixed they were able to come out in a timely manner they charged a reasonable price they got the job done and now my U whether it be commercial or uh what's it called um residential then uh we're
you know we're rolling we're rolling along right so you're able to be a big problem solver Paul I think I I'm a huge fan of entrepreneurs and Entrepreneurship I think it's a great way to have your freedom that's
the way toward Financial Freedom is owning a piece of a business um selling your time great way to get training right great way to have somebody invest in you I working as a salesperson you know I could have
probably made more money on my own on the flip side I needed people to train me and give me feedback hey do this not that hey think about it this way not that way uh working in sales really
has helped me a lot as far as YouTube goes too I'm just better able to uh understand what people want what's a value to people um because the channel is not about me it's about you guys like I
I'm a conduit or a vehicle for some of these ideas and the conversations I have with friends and I'm here to validate as well uh to validate your experiences because some of us are constantly facing invalidation back home
oh why are you going abroad oh is it because you're a loser oh is it because you're um you know uh uh looking for what you know just all these these negative perceptions and I'm part of the reason
I'm here is to tell you you're not uh you're not dumb for wanting to go to another country you're not wrong for wanting to try something else out maybe find out it's not for you maybe you find another
place it is maybe you ultimately go back to your home country there's nothing wrong with that that there's a different different solution for each individual who wants to try this and for some it's just entertainment Lenny says I'm
from the UK it's very bad there now yeah Lenny I'm I'm hearing the UK is like really just not doing good it's um it's just going backwards in a lot of ways that the standard of living is declining
I was in uh London about a year and a half ago and I was at Heathrow Airport and they weren't running the heat it was freezing cold it was like 50° uh Fahrenheit uh maybe 12 de C 13
degrees Celsius in London Heathrow Airport I'm thinking where am I what kind of you know I I was I came to London expecting a very very developed place and in some ways it was but in other ways I'm
just like why is the airport freezing cold and uh you know they just they're too cheap to turn on the the Heat and I know electric has gone up a lot the electric build cost of electricity in London
has gone up a lot but I thought man what you know all the money this airport makes one of the busiest airports in the world you'd think they could have the Heat going maybe it was Gatwick maybe it
was Gatwick I sometimes I get the two mixed up but yeah it was uh definitely tough um and then my my hotel of course I did rent a cheaper motel but uh they had turned the heater off so
I had to they gave me a space heater to use um John says Alex keep vlogging you're good at it thank you so much Sean I really appreciate that that's very kind of you to say and the encouragement
is always appreciated it definitely keeps me going in spite of the difficulties in spite of the trolls um knowing that I'm able to bring you value is just uh very humbling um Chris says I was curious about the
current state of affairs in the UK Lenny considered a holiday trip there sometime soon but have put it on the back burner for now yeah it's it's it's a real challenge Chris I enjoyed it uh I'll give London
some credit I loved the tube I loved the uh interesting food I liked the walkability of London just being able to walk around I'm a big Walker so being able to walk around different neighborhoods was cool I like
the architecture um it's a cool City I mean it's just a cool City very expensive I spent a lot of money in a very short time I spent like 150s in 24 hours uh but it was on some
level it was worth it yeah I think it was worth it it was cool it was a cool experience for sure I got to see a lot of different parts of the city and um yeah I also got
to see some places I I grew up on house music and I got to see some places that i' listen to replays of concerts of um but I'd never gotten to go to London so I got to like
you know Brixton for example South London very popular in the electronic dance music scene and I've listened to a ton of playlists of people doing um Warehouse shows in Brixton so getting to see that neighborhood yeah it's a
bit rund down yeah it's a bit dodgy but uh it was cool you know cool to have that kind of connection there Paul says we can influence others as best friends in the state best friends in the state
married to Filipina 21 years invited me to tag along seven years ago and I was sold on Philippines ended up in Duma by accident then met my girl Paul it's a weird Crossroads dumag GTI gets all kinds of
people I mean it's like it's such an international Vibe for the size of the city it's got such a cool International Vibe I meet people from all over the world every day uh yesterday met a woman from Korea
um I met people here from the UK one of my friends Colin is from the UK uh what else who else have I met here we have friends from Somalia here we have friends from um all over the
world it's so strange how such a small City can attract so many different kinds of people I think that's the power of dumag Getti I came here to the Philippines 5 years ago originally um visit did not visit
dumag Getti I wanted full immersion and I thought I come to doag Getti you know there's a lot of foreigners here it's going to be easy place for me to love if I go there I'm not gonna want
to go anywhere else or I may not like it and feel like ah there you know there's just too much of an xack crowd so I went to kagay and deoro I went to cigan Island I went to
Sabu but this time I'm like I'm going to do MTI I've been watching Paul for five years been watching Mike for a couple years been watching Chad for a couple years and uh I'm so glad I came here
I made so many friends here in a short time uh you know starting to date here it's a cool City you know I thought it like it might have too many foreigners but the foreigners are a small percentage
of the population when you think about the population and its entirety uh Jesper do you have a PL to be able to stay in the Philippines long term as for job or passive income yeah so Jesper I'll probably
eventually go back to us and uh work uh back in Technology field say every penny I can and uh in three or four years of working back in the States I should be able to move here permanently so
I'm targeting I'm I'm turning 32 in a few weeks I'm targeting 35 or 36 is when I'll probably be able to move here long term uh Lenny says Chris it's really sad to see the state of it now
I wouldn't bother going now unless it's been a lifelong urge much better options in Europe yeah I'm a fan of Spain and Portugal um in Europe Paul I'm going to do a little bit of catchup here uh interestingly
I am looking at building a combo building with commercial on the first floor residential on the second and third floor not like most expats with grand hous as property perpetuates income and also housing yeah I'd be interested to
hear more about that Paul I think with your background then you're going to really be able to make a nice place you have the plumbing and HVAC experience uh and the Insight that a lot of guys don't have
right I've always been a sales guy so I've always just been in business and kind of a hustler in some ways for better for worse some people don't like that term I being transparent uh but if you have
that construction experience you're going to be be better able to pull that off than a lot of the guys Lenny says UK has the worst weather yeah I'd agree Lenny I mean it was just cold drizzly rain when
I was there Jesper says honestly for me the people in Asia are so welcoming they're smiling while here people seem miserable it's very IND individualistic we don't go out much it's just home and work yeah there's no third
place in the West in the west you've got home and you've got work you don't have the public I mean in California I try to avoid public parks most of the time most of the time they've got sketchy
people there they've got um characters of ill repute they close early so you're not hanging out there past dark uh in many cases that's just a very lonely life I think a lot of lot of people feel very
deeply isolated in the west and it's material materially wealthy right they've got all the toys they want the whizbangs they've got uh you know all the extra that they could want but the internal is just not So Good
Michael says I should share some of my music with you sometime yeah Michael please we'd love to um we'd love to hear your music sometime maybe we could do a stream sometime Michael uh like a a streamyard stream
and have you share some of your music Chris says any thoughts on CCO I don't know too much about it but yeah Lenny okay cool he's chiming in on that Lenny says is dumag saturated with foreigners yeah yeah
somewhat Lenny I mean you're going to see him out and about everywhere you go you go to Robinson's you go to the boulevard uh you go to you walk around downtown you can't miss them they they stick out
here for sure I don't think it's too saturated I think that some move on uh you know some find out it's not for them some move out to the provinces it's it's an easy Landing point you know if
you want an easy place to land in the Philippines you want to uh have some Western food you want to be able to meet and chat with people easily there's a high level of English then uh do MTI
is a solid option maau says I am into education and I work with Canadian Australian American and British teachers the thing now is that many Asian countries require a degree in education to be qualified as a teacher yeah
if you want to make the the big bucks maau I definitely agree with that if you want to top out your income and you don't want to just be kind of living month-to month uh an education degree is
very much appreciated dime says us to Philippines currency is around 56 and pesos let's see if you have $1,000 quadruples into 56 okay that's a lot enough for you to feed yourself for six months or so yeah definitely
if you have the US currency it's um it's powerful here Poland is lovely debating on living there traditional people Lenny says I'm 35 made the jump yeah I mean it's more and more possible with online income Lenny I'm
curious how are you funding your xat journey it's it sounds like you worked for a number of years in the west to save up and prepare one second guys I am just let's see Paul says Duma has 110,000
people and less than 3 or 4,000 xats is you don't run into them and even then it's imp passing best suggestion is to vet your girl and her family yeah Paul I was saying I think it's around 5%
of the population maybe five in every hundred people it's not as much as people think I see way more local people um normal people than I do expats uh if I stay here in beong um I just don't
see that many and they are here but they running up and down the road they're going to town they're running their errands uh people are living their lives but yeah guys I'm probably going to wind down in the
next 10 minutes or so because I'm starting to lose my voice um I just talk so much and do MTI that when I get to the stream sometimes my voice can be running down a bit but yeah Paul
I think it's exaggerated how many foreigners are here because you know people see the outsid influence of the vlogging community and there are a lot of vloggers here but there's also a lot of Travelers right I think some
people think every Foreigner I see is living in dumag Getti that's not the case there's a lot of people that come through they come from the ferry um they fly in they uh they're here for a week they're
here for a couple weeks and then they go on they go to sikor or uh they go down to Da to go diving or they go into the mountains above Valena uh they there's just it's a like a
landing point for a lot of different places and a lot of different things and it's um it's cool I mean it's just got a Cool vibe it's a little bit to me it can even feel maybe a little
bit Bohemian in certain ways like uh it's just got this cool Factor the weather's nice uh the western food is nice the conveniences are nice but it's not too big of a city right to me it feels way
more chill than a Sabu or a manila uh which can be very overwhelming right if you're not a big city person Sabu and Manila can be incredibly overwhelming you're just surrounded by people uh people are in traffic they're
going to work it's uh they're there to do business here just more laidback you know it's it's more preventional feeling it's just got a nice uh a nice atmosphere Lenny says I was in sales sold everything and now
work online very cool any yeah I think online income is the way to go that's somewhat what I'm attempting to do with my uh YouTube but also you know just just trying to explore other avenues because I'm such
a happier person over here I'm just much more happy and calm if I go back to the US you guys will tell I won't be smiling like this I won't be as I won't have the same sense of
humor or laughter that I have here my personality changes it's actually a pretty severe personality change I become much more introverted in the US because I just can't trust very many people and don't have much to talk about
Beyond work Paul says I just hit 62 so I didn't count on SSI that's all a bonus go to Billy's Burgers owned by Aussie and his ex uh girlfriend Filipina gra food and Ci's Tacos on Anaheim guy great
Hispanic food I'll check out uh both of those um both of those sound great I think some one of my friends told me about Billy Burgers Paul actually one of my buddies uh who lives in dcti um in
the city he was telling me about Billy Burgers he said he loved it uh so yeah that's high on my list and then I'm down to CH check out ki's tacos Lenny says heavy and assets also stocks and
Bitcoin yeah you were way ahead of me Lenny a great call on that um I've got some crypto uh got some stocks um yeah that's that's mostly it for now but I'll I'll keep grinding away at it I'll
keep uh growing my channel roll out my Consulting offer um set up my affiliate links really build it out to uh have those additional offers for the people that would benefit from those Jesper says it's the same for
me I'm much happier in southeast station I don't want to live only for my holidays yeah I'm always disappointed and unhappy when I I go back home fromus Gunner yoyo Habibi um not sure what that means uh anyway
yeah I think we'll we'll wind down here the next minute anybody want to get in any uh last thoughts or questions or anything to add on I'm I'm just uh my voice is starting to go and I don't
want to um uh Sabu and Manila are Concrete Jungle and here you have nature everywhere is beautiful scenery and people city of gentle people yeah I definitely agree uh Paul the people are overall very gentle and kind it's
pretty rare I run into a jerk here there's an occasional one but it's like 99% of the people here I just really get along with very well and I think it'll continue to be that way um LOL just
playing made big up to you thank you so much um ah it means hi baby brother uh well thank you so much fromis Gunner I much appreciate it I uh um being Japanese I kind of struggle with sarcasm
but I'm trying to get better at it because some people do make sarcastic jokes here for sure uh NBA champs Raptors make a video going on a date with Filipina uh thank you for the idea NBA um I'll
I'll consider it we'll see a lot of them are very very shy and they're not they're too shy to be on camera let's put it that way I did an interview with a Filipina last night and she was
very shy and she's has a boyfriend too I was thinking like hey you got a boyfriend what is there to worry about like you're you're in a committed relationship but she was very shy paused a lot I do
plan to get that up once I get it edited and I understand right I mean they're they're just shy they're shy people um but it would be great content right I mean it'd be great to learn about it'
be interesting to see how that goes uh we'll see Jesper says thanks for making videos about this it's inspirational for sure we're all just trying to live the dream having dinner now see you take care Jesper uh southeast
Asia for the win I think we agree absolutely Lenny give them 200 pesos and they'll do it I'll keep that in mind for sure but uh yeah thanks so much guys really appreciate you watching I'm going to go
ahead and wind down now anybody watching this on replay please subscribe to the channel below um if you are interested in Channel memberships it's not required it's always appreciated um give us a thumbs up if you want to
help us with the algorithm if you found the content to be valuable comment down below what you think about the stream what you found to be interesting what you'd like me to cover feedback is a gift from you
to me to help to make this better for you um yeah thanks so much for the subscription MBA Champs Raptors uh much appreciated from everyone last question I'll answer really quick uh do you schedule live I hop on
whenever so sometimes there's background noise from us uh from is Gunner so I I can't do it when there's background noise but always happy to hop on but hey thank you so much Paul I love your perspective as
it is professionally positive yeah this is an amazing lifestyle I'm so blessed to be here every day is a fortunate one I'm so grateful to the Filipino people for welcoming us and uh I'll catch you all soon take
care everyone have a good weekend
