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  • I didn't realize how unhappy I was and how much that manifested itself in my body.

  • In traveling, I saw how other countries and societies treated work; how in

  • America we are so focused on what you do and how that defines who you

  • are. It's hard to describe how much happier I am now.

  • Now, I intentionally build a life that I love.

  • I'm Roshida and I'm 42.

  • I retired to Mexico City from the United States.

  • Before I retired. I was a consumer auto finance lawyer.

  • My last salary was about $200,000 a year.

  • I grew up middle class with parents who didn't talk to me a lot about money.

  • Being good at saving money came from years of being reckless with money.

  • Before I went to law school in that time.

  • I was really checked to check after college was the first time where I really understood how expensive it

  • is to be an adult.

  • I was working as a receptionist and I realized I couldn't afford myself, so

  • I knew I needed to do something else to be able to live the life I wanted to live.

  • And that thing was law school.

  • I went to law school at the University of Virginia.

  • By the time I left law school, I had about two hundred thousand dollars worth of

  • student loan debt between undergrad and law school.

  • I was talking to a friend who invested in real estate, and I realized

  • that I could pick up houses pretty cheaply in Ohio.

  • I purchased my investment property for seventeen thousand and sold it for around seventy five and my own

  • home I purchased for eighty four and sold for around one twenty five.

  • I got to tell you, I hated, hated, hated flipping houses.

  • And that's when I learned that what might work really well for another person from a financial perspective

  • isn't going to work for everybody.

  • The investing strategy that's worked best for me has simply been investing in mutual funds.

  • So I'm very much in the stock market, hands off, give it to a brokerage firm, invest it in one

  • of their mutual funds, set it and forget it.

  • So after I was laid off in two thousand nine, it really hit me how much debt kind of controlled

  • me in that, like, I had to go to work, I had to find a job because I had to pay off this debt.

  • And so when I got another job, my main focus with my money became paying

  • off my debt. What I did was I really stayed focused.

  • I paid one thing at a time, stayed focused on it, and I didn't get distracted by shiny things.

  • As I earned more money, I just put it all towards my debt.

  • I lived what you might describe as a FIRE lifestyle without actually knowing that FIRE

  • existed. Once I got in the habit of squirreling money away towards my debt and like pushing it

  • aside, then I just got in the habit of like pushing that same amount of money aside every month.

  • And as it grew, as my income grew, I just pushed a larger amount of money to the side.

  • So at first it was to my debts and then it was towards...

  • When there was no debt left, it went to my investments.

  • Without the layoff, I would still be there, and even with the layoff, I was second guessing my

  • decision to go travel.

  • I don't think I would have gone to take a career break if I didn't have the therapist I did.

  • She was like, if you don't go now, you're never going to go.

  • I traveled to 44 cities and I think twenty three countries in my

  • one year of my career break.

  • But in that time I came to Mexico City, I think three times in that year.

  • It was the only city that I repeated, and I just really loved how I felt when I was here.

  • I love the energy of the city.

  • My plan after my career break was to go right back and find a job.

  • I'd be in a better mood and I'd go back to a different job and things would be fine.

  • But traveling and seeing that the way we work ourselves to death in America is not common around the

  • world made me realize that I could have a different life if I made the choice to have a different life.

  • I always say that I accidentally retired.

  • I paid off all my debt, I saved money and then when I realized I didn't want to work again, I did the math.

  • I looked at my investments and I had about half a million dollars saved and invested,

  • and I knew I was going to get another hundred and fifty

  • thousand in stocks from a company I used to work for.

  • I knew I had about six hundred and sixty thousand because I knew

  • I didn't want to go back to work.

  • That was enough. It was enough for me to live comfortably in Mexico City or another country for a

  • while.

  • If I was in the U.S., would I have decided that was enough.

  • Probably not.

  • America doesn't really tell us when enough is enough.

  • People who want to retire, they have to, on their own, decide how much money they

  • need in order to retire, where you want to retire, what your lifestyle is going to be, what your expenses

  • are. But that's all part of doing the math that I described earlier.

  • In a typical month, I spend about twenty three hundred dollars to live in Mexico City.

  • While the cost of living in Mexico is cheaper than the U.S., the cost of living in Mexico City is higher than

  • a lot of Mexico. So it's-- it's a cheaper city to live in, but it's not necessarily a cheap city to live in.

  • One of the things I love to do in Mexico City is exploring the neighborhoods.

  • They're usually really great places to hang out with my friends and to see kind of like, look in on what the

  • neighborhood is doing.

  • And I have a couple of favorite dessert places in town, including some gelato shops that I

  • love. This is good, Joe!

  • I do have a temporary visa.

  • I have a visa for one year as a residency visa.

  • I came down initially on a tourist visa and I rented my apartment, was on a tourist visa and I did

  • everything was on a tourist visa.

  • But I knew I wanted to stay here, and I didn't want to keep making trips back to the states to stay here.

  • So I got my temporary residence visa and I will renew it.

  • And then in four years, I can get my permanent visa.

  • Welcome back, my name's Roshida, and you're here watching, Shida's on the Loose.

  • Today, we're talking about life in Mexico City and all the things I love about it.

  • Strangers, mostly women, were reaching out to me and saying, Oh, like you took a career break.

  • I want to do that, too. Can you tell me more about it?

  • I was helping everyone who came along, and eventually I realized that this could

  • be a business. And so I became a career break coach.

  • I help women who want to take career breaks, leave jobs that don't deserve them behind and go travel the

  • world or move abroad and just do what makes them happy.

  • So I'm helping other women and specifically black women realize goals that they didn't even know they

  • had. A lot of times I hear from women who were like, "I've always wanted to live abroad, but I didn't think

  • it was possible." And so a lot of my time is spent showing people the possibilities

  • and talking to them about what their life could look like if they made the leap too.

  • The income, but I'm getting from this, prevents me from having to withdraw anything from my investments, so I

  • very rarely touch my investments, so they're continuing to grow.

  • A lot of people think that retirement means you're not working at all, and if you are working, you're not

  • really retired. I consider myself retired because I only do work I love, and I only do it

  • when I want to. I don't work more than four days a week.

  • I take weeks off at a time.

  • I've taken months off and I will again and I just do the work I want to do when I want to do it.

  • I was the best version of myself when I traveled in that I was open, I was not

  • stressed, I was allowed to do whatever I wanted to do.

  • The only person who can make demands on me was myself.

  • When I had the opportunity to rebuild my life from scratch, making every decision I wanted to make,

  • I made the decisions that made me happy and I can't imagine from now into the future

  • ever making decisions that that don't bring you this joy.

  • I'm very open to what's next.

  • So it's Mexico for me right now.

  • I can see myself in other places for months at a time.

  • I don't know that Mexico is it forever.

  • I'm open to whatever comes my way, but for right now it's definitely Mexico City.

I didn't realize how unhappy I was and how much that manifested itself in my body.

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How I Retired Early At 39 In Mexico City With $660,000

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    吳俊憲 に公開 2023 年 05 月 11 日
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