Mi plan para dejar de trabajar antes de los 40... ¿es realista?
Alex Morian
43,203 views
How much money do you really need to stop working?
I'm 34 years old, have around €200,000 invested, and a goal: to reach 40 with enough wealth to be independent.
In this video, I'll do the math right in front of you.
We start with the actual cost of living, apply the famous 4% rule, see what happens if we lower it to 3%, and simulate some less appealing scenarios: inflation, a bad decade in the stock market, buying a house, or retiring just before a major crash.
I'll also show you my real-life situation: how much I currently have, how much I'm still investing each month, and what return I would need to approach €500,000.
And finally, we'll talk about something that, for me, is even more important than financial freedom: financial dignity.
Not necessarily having to stop working, but being able to work because you want to, not because you absolutely need to get paid at the end of the month.
👇 Tell me in the comments:
How much money would you need to be able to say, “I don’t need to work anymore”?
📌 This video reflects only my personal experience and opinions. It does not constitute financial advice.
Chapters:
00:00 How much money do I need to stop working?
02:23 What is my life really worth?
07:04 The 4% rule
09:07 The problem with retiring at 40
16:44 What happens if a disastrous decade arrives?
18:36 What if I continue working a little?
20:55 Where to live when you have freedom?
26:00 My real plan: from €200,000 to €500,000
30:16 How I would use collateral
34:50 My true financial goal
#financialfreedom #investing #personalfinance #stockmarket #invest #wealth #compoundinterest #financialindependence
20 Comments
Un saludo y ánimo a todos!
Gracias por compartir tu camino y enhorabuena para tu madurez.
Mucho animo Alex, estás hecho un fuera de serie
En fondos, cueentas remuneradas y etf tengo 70k.
Tb llevo trabajando desde los 20 y ya estoy hasta el caraj0. No se q haré, a veces me entran ganas de alquilar una o las dos habitaciones q tengo vacías para acelerar el ahorro/inversión.
Pero algo hay q hacer xq sería deprimente estar con 55/60 años trabajando aún.
Tb nos queda lo q nos caiga de herencia 😎aunq espero q mis padres me duren mucho 💪
Una duda, como bien comentan algunos, al vender debes pagar impuestos, crees que podría haber alguna manera más eficiente para poder o vender pagando menos impuestos o utilizar deuda? Es un dilema con el que llevo tiempo peleándome y siento que siempre llego a un callejón sin salida donde si o si toca pagar, de momento lo único que se me ocurre es tratar de sacar lo mínimo posible para pagar la menor cantidad de impuestos evitando sacar de más y tener ese exceso de liquidez parada por la que se ha pagado impuestos. Tu esto como lo abordarías?
Me refiero, a que debes decidir el tema familia. Yo estoy soltero, hace un año dejé una relación de 5 años que pensaba que me iba a casar con ella y tener hijos. El tiempo corre y se nos está pasando el arroz.
Te sigo Alex.. a ver si en los próximos 6 años ambos tenemos familia, salud y buena economia!
Mi plan para dejar de trabajar antes de los 40... ¿es realista?
Alex Morian
43,203 views
How much money do you really need to stop working?
I'm 34 years old, have around €200,000 invested, and a goal: to reach 40 with enough wealth to be independent.
In this video, I'll do the math right in front of you.
We start with the actual cost of living, apply the famous 4% rule, see what happens if we lower it to 3%, and simulate some less appealing scenarios: inflation, a bad decade in the stock market, buying a house, or retiring just before a major crash.
I'll also show you my real-life situation: how much I currently have, how much I'm still investing each month, and what return I would need to approach €500,000.
And finally, we'll talk about something that, for me, is even more important than financial freedom: financial dignity.
Not necessarily having to stop working, but being able to work because you want to, not because you absolutely need to get paid at the end of the month.
👇 Tell me in the comments:
How much money would you need to be able to say, “I don’t need to work anymore”?
📌 This video reflects only my personal experience and opinions. It does not constitute financial advice.
Chapters:
00:00 How much money do I need to stop working?
02:23 What is my life really worth?
07:04 The 4% rule
09:07 The problem with retiring at 40
16:44 What happens if a disastrous decade arrives?
18:36 What if I continue working a little?
20:55 Where to live when you have freedom?
26:00 My real plan: from €200,000 to €500,000
30:16 How I would use collateral
34:50 My true financial goal
#financialfreedom #investing #personalfinance #stockmarket #invest #wealth #compoundinterest #financialindependence