What’s up!

We are Joel and Riah and we are letting you in on our life and finances!

Originally from Hawaii, we recently moved to Oregon in January 2017 after saving our money for a year and a half.  Here’s the secret, we didn’t have jobs when we moved!  Now, I know you’re thinking “Wrong move!”  Well, we saved enough money to last us 6 months KNOWING we wouldn’t have jobs immediately.  We did a lot of planning to make sure everything ran smoothly.

Want to know another secret?  We were DEBT FREE when we moved!  No credit card debt, we sold our cars, AND we had money saved!  All of our purchases were paid off immediately and we were never forced to carry a balance. We’d like to say we got to experience 3 months of “retirement” at the age of 24 & 28. Amazing!  Can’t we just go back to that lifestyle again?!  Don’t get us wrong though, we were both applying to jobs and going to interviews during those 3 months of not working (I guess that’s not retirement, huh?).

Of course, now we are working full-time, saving and paying bills, just like everyone else. Shortly after starting work, Joel popped the “Will you marry me?” question (of course I said “yes”). Now, we are in the process of planning our wedding!  Now, I know you’re thinking, “Didn’t you just move without having a job and just RECENTLY started working and now you’re gonna spend more money?”  Well, there’s secrets to that too, but you’ll have to stay tuned to find out.

After talking to a lot of our friends and family, we were met with common concerns, thinking that we were CRAZY! We’ve come across replies such as:

Moving across an ocean with no job? “That’s absurd!”

Retiring before 65? “You have to be rich to do that!”

Planning a wedding? “Expect to go over budget and take out a loan”

But as you’ll learn on this blog, it just takes some work to achieve things like those. We’re not experts, we’re just your average young adults researching and asking for advice to achieve the things that we want to do. We’ll be laying out our thoughts, our plans, and our experiments for the world to see. So grab a cup of your favorite beverage, sit back, and relax as we take you along our journey and Andres the Secrets to life!

“It’s not your salary that makes you rich, it’s your spending habits.” –Charles A. Jaffe

-Joel and Riah