2022-01-17_Moving_Around_Is_Not_Conducive_To_Your_Wealth-A_Report_From_6_Months_of_Digital_Nomadism
00:00:00.000 | Welcome to Radical Personal Finance, a show dedicated to providing you with the knowledge,
00:00:04.120 | skills, insight, and encouragement you need to live a rich and meaningful life now while
00:00:08.320 | building a plan for financial freedom in 10 years or less.
00:00:11.760 | My name is Joshua Sheets.
00:00:12.760 | Today I want to share with you why I do not believe moving around is conducive to wealth.
00:00:22.680 | Now you'll notice that I'm giving myself quite a broad scope of conversation here.
00:00:27.680 | By moving around I mean traveling a lot, but I also mean just frequently moving around.
00:00:34.400 | And in today's episode you can basically consider this a report from me, your intrepid
00:00:40.280 | experimenter, your intrepid investigator, about what I've learned of moving around
00:00:46.280 | a lot and trying on some, shall we say, alternative lifestyles and how I think that those things
00:00:52.640 | impact wealth.
00:00:54.860 | My thesis is simply that moving around is not conducive to wealth for the vast majority
00:01:00.200 | of people.
00:01:01.200 | I want to leave a small caveat here for the point that moving around might be helpful
00:01:07.360 | to wealth for those who take jobs because changing jobs on an appropriately frequent
00:01:12.760 | schedule or going to places where there are jobs that pay highly can actually be a pretty
00:01:18.980 | decent strategy.
00:01:21.000 | So this is from the professional, on the professional level, right, maybe you're a turnaround specialist
00:01:27.720 | that goes in and takes command of a failing company, works there for two years, fixes
00:01:34.060 | the major problems and then that company is sold.
00:01:36.640 | That might be a very highly profitable job.
00:01:40.040 | It could also be the case at the low end of the income scale.
00:01:43.020 | There are people who only work during certain times of the year on a seasonal basis, but
00:01:48.960 | the seasonal labor that they do is actually pretty highly paid.
00:01:53.520 | So during the summer they might work as a concessionaire with a local fair of some kind
00:02:00.800 | or a carnival.
00:02:02.240 | Then they might go and sell Christmas trees for a time and then take several months off.
00:02:06.560 | None of their jobs would be enough on an annual basis to support them, but because they're
00:02:13.240 | seasonal and they're moving around for that work, they can be highly paid jobs.
00:02:18.440 | There are various ways that you can apply that.
00:02:20.880 | But on the whole, I think that instability of location, moving around a lot, whether
00:02:25.920 | it's short term, medium term travel, as well as just simply moving is bad for wealth.
00:02:32.000 | I want to tell you why in a little bit from my own experiences.
00:02:37.240 | For context, I lived for the first 30 plus years of my life a very stable existence.
00:02:43.040 | I lived in one town, we moved once or twice that I remember, but not frequently.
00:02:48.800 | I lived in one town in South Florida my entire lifetime.
00:02:52.080 | I went to school in that same town, elementary school, high school, college.
00:02:57.560 | I built businesses and had jobs in that town.
00:03:01.680 | Because I lived that continual settled lifestyle, I was kind of like the fish in water, meaning
00:03:08.640 | I didn't see the advantages that were accruing to me from that stable lifestyle, from that
00:03:15.160 | settledness.
00:03:16.160 | It was only after I started to lose those advantages that I became more aware of them.
00:03:22.480 | Take a fish out of water and he quickly understands, "Hey, the water was really nice.
00:03:27.440 | That was where I could breathe."
00:03:29.040 | Take a man out of a town where he's been stable and all of a sudden he starts to realize,
00:03:33.560 | "Wow, I lost out on a whole bunch of things that I couldn't make work because I'm not
00:03:38.800 | in that same place where I know how everything is done."
00:03:42.840 | That moving around has involved a few different expressions.
00:03:47.320 | It's involved living in rentals, it's involved getting rid of ... My wife and I, we had a
00:03:52.760 | home, we had a stable lifestyle.
00:03:54.120 | Then we decided to give that up.
00:03:55.320 | We moved into a rental apartment.
00:03:56.900 | Then we decided to get rid of the rental apartment, move into an RV.
00:03:59.920 | We RV'd around the United States.
00:04:01.440 | Then we decided to get rid of the RV, downsize more, jump in some suitcases and travel around
00:04:06.080 | the world.
00:04:07.080 | We bounced around the world, set up a couple of rental houses.
00:04:10.160 | Then we decided we would go travel again.
00:04:14.080 | This whole experience culminated with our adventures of 2020, excuse me, 2021, wherein
00:04:22.720 | we became full-time digital nomads in June, March, April, May, June, July, August, all
00:04:32.760 | the way through.
00:04:33.760 | We spent about six months living as full-time digital nomads with nothing but literally
00:04:40.880 | six personal item under seat suitcases and one backpack.
00:04:45.480 | Let me begin by telling you honestly how I felt about it.
00:04:50.680 | I loved it.
00:04:52.840 | I absolutely loved it.
00:04:55.120 | Kind of that hardcore moving around, full-time digital nomad, just a set of small suitcases,
00:05:01.520 | which means we can get into any rental car, get into any bus, get in any airplane, setting
00:05:06.180 | off with nothing.
00:05:07.180 | We had no rental house.
00:05:08.180 | We had no owned house.
00:05:09.600 | We had no mortgage, no nothing.
00:05:11.500 | I loved it.
00:05:13.600 | I have never felt freer in my whole life than I did during that period in 2021 when we were
00:05:21.920 | full-time digital nomads, going from Airbnb, Central America, Europe, all around, Airbnbs,
00:05:28.720 | hotels, et cetera.
00:05:29.920 | I felt amazing during that time, amazingly free.
00:05:37.240 | I felt like we could enjoy all kinds of cool experiences.
00:05:39.940 | We could do fun things, have all kinds of great cultural experiences.
00:05:43.240 | I felt like we could literally go anywhere.
00:05:45.760 | We booked the whole trip with one-way tickets all along the way.
00:05:50.000 | I was just booking them as we went.
00:05:51.760 | I felt like, "Hey, tomorrow we're going to go to Asia.
00:05:54.880 | Tomorrow we want to go to Europe.
00:05:56.000 | Tomorrow we're ready to go."
00:05:58.600 | It was amazing.
00:06:01.720 | There were also a whole long set of challenges that made it not as amazing as I'd always
00:06:06.980 | hoped that it was going to be.
00:06:09.360 | That's where we get to the meat of what I want to talk about.
00:06:13.500 | For background, I want you to know that when I accomplished that goal this last year in
00:06:19.160 | 2021 of basically six months of digital nomading, it was in many ways the culmination of almost
00:06:29.080 | a 15-year goal.
00:06:31.440 | I remember back in the mid-2000s, I was working at a corporate job.
00:06:36.480 | During my slacking time, I would read blogs.
00:06:40.220 | Some of those blogs were written by young digital nomads.
00:06:46.080 | Some of the unique things that they were doing at the time was to say, "Hey, look.
00:06:51.440 | I only own the things that are in my backpack."
00:06:55.320 | This came out when I was paying attention to the minimalist space.
00:06:57.560 | It was, "Hey, I only own 100 things," or, "Everything I own fits in my backpack."
00:07:01.820 | There was a foundation of people who were gaining notoriety by moving frequently.
00:07:08.260 | There were remote web workers who would pick a new country every three months and move
00:07:14.000 | every 90 days.
00:07:15.580 | Or there were guys like Benny the Irish polyglot who would say, "Hey, I move every three months
00:07:19.680 | and learn a new language every 90 days."
00:07:22.120 | I was enamored by the ideas of what that lifestyle could entail because for me, traveling had
00:07:28.160 | always been a source of joy, of great pleasure.
00:07:31.280 | I loved it.
00:07:32.280 | I thought, "Wow, what if I could do that as a lifestyle?"
00:07:35.680 | When I accomplished that in 2021, it felt pretty cool.
00:07:39.120 | It wasn't a major goal.
00:07:40.520 | It wasn't something I said, "I want to do now, now."
00:07:42.600 | I just woke up and said, "Hey, here's a chance for me to do it."
00:07:45.320 | I think the big difference, of course, that I want to acknowledge between the Joshua of
00:07:50.880 | 2006 and the Joshua of 2021 is that the Joshua of 2006 was a single adult male.
00:07:58.920 | The Joshua of 2021 was a married father of four young children.
00:08:03.040 | But my wife and I are intrepid adventurers at heart, and we're not scared of a challenge,
00:08:07.680 | and we decided to do it even so.
00:08:09.240 | I'm glad we did.
00:08:10.240 | What I want to report to you as an outcome of that trip is it's not all that it's cracked
00:08:18.220 | up to be.
00:08:19.680 | I think that most people find this to be the case.
00:08:22.760 | In fact, if I went back and I went through the list of so many people who have become
00:08:28.760 | full-time digital nomads, the vast majority of them are no longer doing it several years
00:08:35.880 | later because it sounds romantic, it seems wonderful, and there are many wonderful things
00:08:41.640 | about it.
00:08:43.480 | But then you start to realize there's a lot of embedded wisdom in the traditional lifestyle
00:08:48.440 | that I didn't understand before.
00:08:51.040 | There are some things that I didn't recognize how important they were, and it's only when
00:08:54.960 | you lose those things or miss those things that you start to understand.
00:08:59.520 | In some ways, this has been the experience I've had time and time again.
00:09:04.200 | You have this young, brash, aggressive desire to minimize the wisdom of the old ways, and
00:09:12.360 | then you go and you try your fresh radical ideas, and all of a sudden you realize, "You
00:09:17.440 | know what?
00:09:18.440 | There was a lot of embodied wisdom, and there was a lot of—I don't have a better word
00:09:24.080 | than wisdom—there was a lot of embodied wisdom in the old ways, and now I understand
00:09:29.680 | more of the wisdom behind those ways, why that emerged the way that it is."
00:09:37.880 | Let's talk about some of the costs of moving around frequently.
00:09:43.840 | When I think about costs, I think about costs to my income, and I think about costs to my
00:09:51.080 | expenses.
00:09:52.080 | Let's begin with the most aggressive of moving around frequently, which is traveling.
00:09:59.560 | I worked hard, I have worked hard, and I have succeeded in developing a really, really good
00:10:08.600 | mobile office, a really good, productive mobile setup.
00:10:15.400 | For most of us, a computer and a cell phone is pretty much all you need.
00:10:19.000 | A computer that can grab a local Wi-Fi signal if you have it, and a cell phone to create
00:10:24.160 | a Wi-Fi signal for that computer if you don't.
00:10:27.240 | We are so blessed to live in the age of connectedness, where it's easy to travel the world and be
00:10:34.440 | on the grid at virtually all times, and for remote workers, for those of us who make a
00:10:40.420 | living through communication, this is powerful.
00:10:44.520 | I've been so fortunate, and I have loved working in so many interesting locations, and it's
00:10:49.560 | amazing to be able to sit down virtually anywhere, pop open a computer, put your cell phone there
00:10:54.640 | on the table, tether the two together, and boom, you're at work.
00:10:58.760 | It's incredible.
00:11:00.200 | You can get very high-speed connections, you can get 5G, very high data limits.
00:11:05.760 | It's wonderful.
00:11:06.760 | Now, my job involves a little bit more gear, not too much.
00:11:10.560 | I, on occasion, do create podcasts directly from my phone, just like all of us create
00:11:15.640 | videos directly from our phone, et cetera, but I carry a little bit more professional
00:11:19.960 | gear.
00:11:20.960 | But I've done all kinds of stuff with just what fits in my backpack.
00:11:25.400 | I have an amazing podcasting setup that allows me to have high-quality microphones and to
00:11:30.520 | do live Q&A shows using my cell phone and my computer and just the little pieces of
00:11:36.880 | gear that I carry with me.
00:11:38.240 | I've got a great camera.
00:11:39.360 | I've got all of the cool stuff that works really, really well.
00:11:43.280 | The problem is not having a simple stability of where you work is a much bigger drag than
00:11:52.020 | you might think.
00:11:54.060 | The question is always, "Where can I find internet today and how fast is it?
00:11:58.800 | Is it actually usably fast or is it just okay, good enough?"
00:12:03.720 | Finding internet, you'd think, is pretty easy and in some ways it is, but then there's all
00:12:08.880 | these little things that crop up.
00:12:13.600 | Where can I find internet where I can also be left alone to focus or where will it be
00:12:18.100 | quiet enough for me to do my work or where will I be allowed to sit and actually do it?
00:12:22.800 | Let me share a few rather humorous stories with you to prove this point.
00:12:27.760 | To me, one of the most memorable for me happened near Thermopolis, Idaho during my family's
00:12:36.960 | RV wanderings around the United States.
00:12:40.320 | The way that we handled my work during our RVing days was that when we were moving the
00:12:47.640 | RV, when we were traveling from one place to another, I would usually do about a half
00:12:52.200 | day's worth of work.
00:12:54.200 | The rhythm that we found worked well for us with having three young children at the time
00:12:59.080 | was to get up in the morning, have breakfast, and then after breakfast, break, camp, hook
00:13:04.440 | up and then drive from somewhere around usually 9 o'clock, 9.30, 10 o'clock to around noon,
00:13:11.840 | 12.30, 1 o'clock, do about three hours of driving.
00:13:14.400 | There were many days where we did long marathon days, but we couldn't get anything else done
00:13:18.480 | on those days except drive.
00:13:20.040 | So a three-hour drive was really a nice fit for us.
00:13:24.640 | Check out of one campground, check into another.
00:13:27.320 | But then that meant that I needed to get to work.
00:13:31.600 | So usually we would get to a campground.
00:13:35.020 | Our children's nap time is right around 1 o'clock and we're pretty committed nappers.
00:13:40.080 | So the goal was always to be in a campground set up by 1 o'clock, if at all possible, so
00:13:46.560 | that the children could nap.
00:13:49.400 | And then I would grab my gear and I would go and work.
00:13:52.920 | And I would work for about three hours from say 1 to 4, 1 to 5, then we'd go on a walk,
00:13:58.200 | prepare dinner, etc.
00:13:59.840 | And then that would just be a half day's work or a few hours of work on those travel days.
00:14:06.180 | There was a problem though.
00:14:08.200 | I was finding that we were having more days where we were traveling, because we were traveling
00:14:12.840 | fast and there were more days when we were doing fun things and I wasn't getting as much
00:14:17.240 | work done as I wanted to get done.
00:14:19.680 | And so I was feeling a little stressed.
00:14:21.400 | By the time we got to Idaho, I was feeling a lot stressed.
00:14:24.240 | And so we got to this little campground just south of Thermopolis, Idaho.
00:14:29.440 | And the goal was that afternoon to go up to the hot springs in Thermopolis.
00:14:33.440 | So we set up the camper and everything's good.
00:14:35.720 | It's a fairly quiet campground.
00:14:37.240 | I parked the trailer.
00:14:38.880 | My wife starts getting the children to bed.
00:14:40.320 | I grab my gear and I make a beeline across the campground for an empty picnic table.
00:14:45.720 | And I think, "I've got it made.
00:14:46.760 | I can create a podcast all day while I'm driving around.
00:14:49.600 | I'm thinking of the podcast.
00:14:50.600 | I got the whole outline.
00:14:51.600 | I'm ready to go."
00:14:52.600 | So I sit down, pull up my computer, pull up my microphone, set up my recorder.
00:14:55.960 | Everything's ready to go.
00:14:56.960 | And I hit record.
00:14:57.960 | "Welcome to Radical Personal Finance, blah, blah, blah, blah, blah."
00:15:00.960 | And I'm about three or four minutes in and the sprinklers come on right in the middle
00:15:06.440 | of the day, one o'clock.
00:15:07.800 | And I start getting whacked with a sprinkler.
00:15:10.960 | And I'm making a mad dash to get my computer closed and get my recorder closed and grab
00:15:15.080 | my phone and all the stuff off the table, trying to shield it with my body from the
00:15:19.640 | sprinkler spray, feeling totally disillusioned, just saying, "What on earth am I going to
00:15:24.760 | do?
00:15:25.760 | How am I going to make this happen?
00:15:27.200 | I thought working was going to be great."
00:15:29.300 | And it was great until it wasn't.
00:15:31.900 | And so I found it was a continual problem of, yeah, I could sit out under a picnic table,
00:15:36.080 | but it was too hot.
00:15:37.080 | And I was sitting and sweating.
00:15:38.080 | Or it was too sunny and I couldn't see the screen.
00:15:40.760 | Or it was too cold.
00:15:41.760 | It was too windy.
00:15:42.760 | It was just always something with the external environment was difficult.
00:15:48.080 | I'll come back and tell you at the end of the show how I solved that because there are
00:15:52.280 | solutions for these things.
00:15:54.500 | So whether it's an external weather problem or maybe it's something where you say, "Okay,
00:15:59.480 | I've got a better solution."
00:16:01.800 | Very little, only some of my work involves actually creating audio.
00:16:06.440 | Where when I create audio or video, I need to actually have a good environment around
00:16:11.800 | me.
00:16:12.800 | But a lot of times I just need to pop up on my computer and have an internet signal just
00:16:16.920 | like anybody else.
00:16:18.800 | And so this happened a few months ago.
00:16:20.800 | We were in Savannah, Georgia, passing through Savannah.
00:16:23.560 | And we had a couple of days and my wife was good.
00:16:26.160 | We'd rented a nice home.
00:16:28.220 | Everything was good at home so I could go and work.
00:16:30.500 | And I went to the local library.
00:16:32.160 | And I felt very rich being in the United States because there are libraries everywhere and
00:16:37.400 | they've got these big tables and you've got a great internet signal.
00:16:40.000 | They're quiet and you can work.
00:16:41.760 | It's like I could build a multi-million dollar business just sitting in the library.
00:16:45.320 | It's wonderful.
00:16:46.320 | So I go to the library and I'm sitting in Savannah, Georgia and I'm getting all this
00:16:49.840 | kind of work done.
00:16:51.360 | Get in there around 10 o'clock when they open and it's around I think 12, just after 12,
00:16:55.680 | 12-15.
00:16:56.680 | Somebody comes and taps me on the shoulder and they say, "You have to go."
00:17:00.900 | I have to go?
00:17:01.900 | I'm just getting started, right?
00:17:02.900 | It's a public library.
00:17:03.900 | I'm planning to be here until 5 o'clock.
00:17:05.580 | Well, no, we have COVID time limits where due to COVID, you're not allowed to be here
00:17:11.980 | for more than two hours.
00:17:14.180 | You're sitting there saying, "Well, does the virus like I've breathed out enough of the
00:17:21.220 | virus and in enough of the virus in two hours that it should be fine?
00:17:23.940 | Like wouldn't it make more sense to have occupation limits?"
00:17:26.280 | But no, it's time limits.
00:17:27.760 | Okay, fine.
00:17:29.140 | So then you're back in it and you say, "Where am I going to go?
00:17:31.960 | Where do I go to sit and work?"
00:17:33.520 | And it's really annoying, but all of a sudden you face, because of your kind of transient
00:17:38.880 | lifestyle, you face this silly challenge of a COVID time limit at a public library.
00:17:45.680 | So the solution to this is of course to establish better options, better solutions.
00:17:51.480 | So you rent co-working spaces.
00:17:53.360 | The co-working spaces are amazing, except that sometimes co-working spaces don't have
00:17:57.820 | all that you need.
00:17:58.820 | Right?
00:17:59.820 | This summer we were in Malta and I rented, we were there for a while.
00:18:04.720 | We wanted to see all the stuff and tour all the sites and swim in the sea and we didn't
00:18:08.540 | want to travel fast.
00:18:09.540 | And so I rented, I took out a month-long pass at a local co-working facility and it was
00:18:15.360 | wonderful.
00:18:16.360 | It was a beautiful office.
00:18:17.360 | It was very affordable.
00:18:18.360 | It was 600 bucks or something like that for the month's pass.
00:18:21.560 | And it was just going to be great.
00:18:22.560 | So they had a gym, they had a common area, everything was great.
00:18:25.600 | And then I needed to record video.
00:18:27.080 | And so I had a plan all set up where I'm going to record a bunch of videos.
00:18:30.000 | I'm going to come in on Saturday when the office is empty because I got these really
00:18:33.560 | beautiful locations and it's going to be wonderful.
00:18:36.120 | So I'll come in on Saturday to do it.
00:18:37.440 | Well, you come in on Saturday and all of a sudden other people have the same idea.
00:18:41.800 | And so you don't have enough control over your surroundings to actually get things done.
00:18:46.200 | And I can't record videos at home because of the noise level in the home.
00:18:49.720 | I can't record videos in a common space because of respect for other people.
00:18:53.680 | And so you're frustrated, right?
00:18:56.720 | You thought you had it and yet all of a sudden you don't.
00:19:00.520 | And so there's always challenges of finding and setting up an appropriate work environment.
00:19:06.140 | And then even there's the little hassles.
00:19:08.200 | They don't seem like much, right?
00:19:09.560 | The time spent packing and unpacking your stuff.
00:19:12.560 | It doesn't seem like much of a hassle.
00:19:14.120 | But what happens is it often takes time to get into a state of flow where everything's
00:19:18.880 | just simply working.
00:19:20.520 | And the more friction there is between you and flow, the harder it is to regularly get
00:19:25.280 | into flow.
00:19:26.760 | And so you want to minimize that friction.
00:19:29.320 | And the simple things of packing up and unpacking, firing up and shutting down, et cetera, is
00:19:34.800 | all these little annoyances that kind of mess with your brain and make it harder to get
00:19:39.840 | into your state of flow.
00:19:42.020 | Other big, big challenge.
00:19:43.700 | It's extremely difficult to schedule your future work properly.
00:19:48.200 | Now some things are like time zones.
00:19:50.640 | Time zones are actually really not as hard as they once were in terms of getting them
00:19:55.480 | right.
00:19:56.480 | All of our devices, our calendar apps, everything works really well with time zones now.
00:20:01.360 | What I do is I pick a time zone that I live on.
00:20:04.800 | The time zone that I live on is East Coast time because it's just a big standard time
00:20:08.240 | zone.
00:20:09.240 | And then I schedule everything in terms of East Coast time.
00:20:12.440 | And then by making sure that I'm careful whenever I put calendar appointments in, et cetera,
00:20:16.640 | I put the time zone in properly.
00:20:18.480 | And then the phone and everything just figures it out for me and it keeps me on track.
00:20:23.880 | The challenge is, well, what if you move all of a sudden last second?
00:20:27.400 | And then what if today there's a market or a beautiful festival or something?
00:20:32.800 | Well, rats, I scheduled that at the wrong time and now I can't get that thing done.
00:20:37.520 | Or more difficult and much bigger deal is where am I going to be able to get my deep
00:20:42.560 | focus work done?
00:20:44.080 | I've had a long string of classes and courses that I have planned to create and release.
00:20:51.040 | Several of these have been collaborative.
00:20:53.000 | Some of them have been on my own.
00:20:54.680 | And what has happened is every time I was sure that I was going to schedule my month
00:20:58.160 | in this place and I was going to have the location that I needed to perform that long
00:21:02.840 | work of recording the videos, recording the audio, recording the classes, all of a sudden
00:21:06.760 | something would happen and I wasn't able to do it.
00:21:09.520 | And that's really frustrating because it affects your income and it affects your ability to
00:21:13.920 | actually do the work because there are times when you need to do the really important work
00:21:19.120 | and you don't do that sitting on a beach, getting sand in your keyboard, scratching
00:21:23.400 | up your screen, picking up mosquitoes.
00:21:27.560 | Nobody works on a beach with a laptop.
00:21:29.760 | And so the stuff piles up, right?
00:21:32.840 | You can hear even the tension and the frustration in my own voice as I just simply tell you
00:21:35.840 | the stories.
00:21:37.400 | And then another challenge to your income, it's hard to maintain your energy when you're
00:21:41.980 | moving around a lot.
00:21:44.400 | Traveling and dealing with logistics and the fresh decisions every day is very tiring.
00:21:49.560 | It's very tiring to be moving a lot and figuring out where do I go.
00:21:53.660 | So the best way to handle this is of course slow travel.
00:21:56.920 | But then when you're doing slower travel, then you wonder, "Shouldn't I get better
00:22:03.040 | digs?"
00:22:04.540 | It's one thing to pop down to the hotel lobby and have a good couple of productive hours
00:22:08.600 | sitting in the restaurant or in the side of the lobby.
00:22:12.000 | That's great.
00:22:13.040 | But then doing that every single day, week after week, it's old.
00:22:17.380 | And so if you're going to be moving more slowly, you want to have a solution.
00:22:23.000 | That's where, again, the coworking space comes in.
00:22:24.800 | You rent a month at a coworking space, but then the coworking space isn't good enough
00:22:29.600 | and you really wish for the benefits of your own private office.
00:22:33.720 | You wish for the ability to take a call without having to step outside and walk around in
00:22:37.480 | circles or without having to schedule the Skype room in advance.
00:22:42.080 | All the little stuff just simply adds up.
00:22:44.640 | So my point is that you can generate income while traveling around.
00:22:50.000 | And I'm so blessed.
00:22:51.000 | You're so blessed.
00:22:52.280 | We're all fortunate to live in the time and age in which we do.
00:22:56.320 | What happens is after you get past the initial excitement, some of these little things really
00:23:01.440 | wear on you.
00:23:03.000 | And you realize that for me to operate at my best, I need to have good infrastructure
00:23:13.040 | set up.
00:23:14.040 | I need to have good infrastructure set up.
00:23:16.800 | So can you solve these things?
00:23:19.280 | Yes, you can solve them, which is where we move on to the expenses, the expenses of moving
00:23:24.440 | around a lot.
00:23:26.400 | The challenge is when you solve them, you start spending extra money, a lot of money
00:23:31.360 | sometimes, for suboptimal solutions.
00:23:35.440 | And I'll work my way through some of the solutions that really do work.
00:23:39.920 | They really do.
00:23:42.240 | But yet sometimes you wonder, "Is this really what I want to do?"
00:23:45.480 | So when you don't have consistent internet, meaning a good stable home network or good
00:23:51.600 | stable office environment, then you need to have backups.
00:23:55.100 | So I have multiple cell phones and I have multiple cell phone plans from multiple regions
00:24:00.160 | of the world.
00:24:01.160 | Why?
00:24:02.160 | Well, because I want to make sure that I always have what I need.
00:24:05.360 | I make money from a phone.
00:24:07.240 | And so it's not a luxury for me to say, "Oh, I have two phones."
00:24:10.640 | It's a tool.
00:24:11.760 | And no carpenter would have a single hammer.
00:24:14.960 | No electrician would have a single pair of wire cutters.
00:24:18.920 | You need something as a backup.
00:24:21.400 | And so when you make money from your phone and from your computer, you have backups.
00:24:26.520 | And I have multiple levels of backups.
00:24:29.120 | But that adds expense and it adds hassle.
00:24:31.960 | And the reality is none of those backups work as well as the traditional model.
00:24:37.460 | If I have my own office, I can put in a high-speed fiber optic, whatever, bazillion gigabyte
00:24:43.920 | connection and a really good high-quality stable network.
00:24:48.240 | I don't need to have backup after backup of a cell phone.
00:24:51.360 | And everything would work great.
00:24:52.640 | And I could get online and I could do wonderful video conferences and I could do great YouTube
00:24:56.400 | lives and it would all just work.
00:24:59.480 | But you have to wind up maintaining multiple cell phones, multiple cell phone plans, knowing
00:25:04.360 | to carry them around.
00:25:05.880 | It's a hassle to use them and they're always suboptimal.
00:25:08.480 | They're never great.
00:25:09.480 | They're just good enough.
00:25:11.040 | They get the job done most of the time, barely good enough.
00:25:17.000 | And then that moves out, right?
00:25:19.300 | Other expenses.
00:25:20.520 | With traveling a lot, you think, "Okay, I'm going to be here in this certain place."
00:25:24.660 | But every single time I have been here in a certain place, I've wound up leaving early.
00:25:30.780 | So I rent a place for a month in a co-working space and then three weeks in, we decide to
00:25:34.480 | leave.
00:25:35.480 | I rent a place for multiple months on Airbnb thinking, "Okay, we're going to be stationary,"
00:25:39.800 | and then I leave early.
00:25:40.800 | And so you're always leaving little money on the table, which on the whole, it's not
00:25:44.160 | that big of a deal, but it adds up.
00:25:47.040 | It adds up.
00:25:48.040 | It adds up.
00:25:49.040 | And you're annoyed because now you're spending extra money, but it's not actually getting
00:25:52.860 | you a great solution.
00:25:54.160 | It's barely getting you an adequate solution.
00:25:56.900 | And that's annoying.
00:25:59.160 | You need quiet, right?
00:26:00.160 | I need quiet.
00:26:01.160 | And so what do I do?
00:26:02.160 | I always rent a second hotel room.
00:26:03.160 | And so I have one hotel room that is for us, and the other second hotel room is my office.
00:26:10.280 | And that's fine.
00:26:11.280 | You can do it.
00:26:12.280 | It works.
00:26:13.280 | But again, it's annoying when it doesn't work well.
00:26:17.480 | And you think, "If only I just had one office.
00:26:19.520 | If I just had one stationary office where everything worked, imagine what I could get
00:26:23.760 | done."
00:26:26.200 | You could solve the solutions in other ways, right?
00:26:28.960 | I told you I'd tell you how I solved my problem when we were on our RV trip.
00:26:34.680 | I bought two RVs, and I had a second RV.
00:26:38.520 | And so the original plan, I had a pickup truck, and we had a travel trailer, a bumper pull
00:26:42.880 | travel trailer.
00:26:43.880 | That was what we started with.
00:26:45.200 | But after the sprinkler incident south of Thermopolis, Idaho, I went and I bought an
00:26:50.640 | in-bed truck camper, and that was my office.
00:26:53.640 | And so I bought a second RV, put it on the pickup truck, and that way we would have our
00:26:58.160 | house and we would have an office.
00:27:00.040 | And so then I could get out of the sun, out of the wind, out of the cold, out of the heat,
00:27:03.640 | out of the sprinklers, and I could drive my truck somewhere, and I could set up in there,
00:27:07.480 | and I could work.
00:27:08.480 | And by the way, that was actually a really great solution.
00:27:10.720 | I'll get to it at the end of the show.
00:27:11.880 | I'll give you some recommendations as to how you can actually do this and make it work.
00:27:15.840 | And I think that that is a really, really high-quality, good solution.
00:27:20.880 | But the expenses start to get annoying.
00:27:23.680 | You also spend, because of moving around a lot, you wind up spending a lot of money on
00:27:29.000 | servants and services.
00:27:32.060 | So when you're traveling, you don't have access to a good kitchen or kitchen equipment, so
00:27:36.980 | you eat out a lot.
00:27:38.860 | Or if you move frequently, you just change your house and you move frequently, you wind
00:27:42.620 | up having, "Oh, my stuff's in boxes," and so you wind up eating out a lot.
00:27:46.620 | You wind up using other people to launder your clothes.
00:27:49.360 | You wind up using other, you just constantly are paying other people to do stuff.
00:27:55.920 | And then you have the cost of the time.
00:27:58.680 | Whenever you move, you have to figure out, "How am I going to do this?"
00:28:00.720 | And so you say, "Oh, I'm in a new place.
00:28:02.840 | I need to get a new local SIM card."
00:28:04.840 | Well, can I do it easily?
00:28:07.040 | Do I speak the language?
00:28:08.640 | Who has the best plan?
00:28:10.060 | Is it going to work?
00:28:11.060 | Is it going to set up and work?
00:28:12.880 | In Europe, I needed data, and so I went and I grabbed a local SIM card, and I thought
00:28:16.520 | it was going to be great, except that then the SIM had a lock code on it.
00:28:20.480 | And so every single time, I had to put in the lock code, and just, again, little frustrations.
00:28:25.280 | Doesn't sound like a lot, but it keeps you from being as productive as you would like
00:28:28.720 | to be.
00:28:30.120 | And so there's a constant stream of expenses that are associated with travel.
00:28:36.740 | Same thing that happens, there's a constant stream of expenses that are associated with
00:28:39.880 | moving frequently.
00:28:41.320 | There's the cost of moving.
00:28:42.540 | There's the cost of setting up utilities.
00:28:44.520 | There's the cost of decorating a new house, cost of swapping out furniture, getting rid
00:28:48.840 | of stuff, buying new stuff.
00:28:50.320 | "Oh, I thought I didn't need that.
00:28:51.520 | I can get rid of it."
00:28:52.920 | It's just, there's a constant stream of costs.
00:28:56.560 | So what I have learned is moving frequently is not conducive to generating as much income
00:29:04.720 | as otherwise.
00:29:06.640 | Moving a lot is not ideal.
00:29:10.420 | It can be done, and there can be great adventures that are a result of it.
00:29:16.020 | If I were going back three years, I would make exactly the same decisions that I've
00:29:20.080 | made, and I would deal with all the hardship, partly because it's been fun.
00:29:24.160 | I've enjoyed the adventure, partly because it allows me to share with you some of the
00:29:27.720 | things that I have learned, et cetera.
00:29:29.740 | But it's been fun, and what has happened is it's created a greater appreciation of the
00:29:33.920 | value of stability.
00:29:34.920 | But what I want to tell you is, if you think that you're going to be as productive while
00:29:41.680 | you're on the road, just because you can pop open your laptop and code, or just because
00:29:45.600 | you can pop open your laptop and write, you are deluding yourself, as I myself have done.
00:29:51.840 | As I myself have deluded myself significantly on this topic, you are deluding yourself.
00:29:57.040 | It's not possible.
00:29:58.520 | It's not possible to be as productive on the road, moving around, as it is for you to simply
00:30:05.880 | be stationary.
00:30:09.680 | So what are some solutions?
00:30:11.320 | What are some things that I think will work really well?
00:30:15.400 | I think that remote working has its place, and can be a really great lifestyle for many
00:30:20.400 | people.
00:30:21.400 | I think the first thing to look at is to say, "Can the remote working open up something
00:30:28.320 | to me that is not otherwise available, such that I'm willing to deal with the hassles?"
00:30:36.600 | I love kind of the RV lifestyle, RV living, RV travel.
00:30:41.560 | And I know of a lot of families who live in an RV, and dad has a traditional job, and
00:30:47.880 | he's sitting at his desk from 9 to 5, he's got to be there.
00:30:52.440 | And he's got some dinky little makeshift solution working, and everyone's trying to be quiet
00:30:57.360 | so he can do it.
00:30:58.720 | And he's dealing with the hassle and the frustration because of what it opens up to him.
00:31:02.480 | It opens up the chance to take his family on an adventure.
00:31:05.200 | And they're loving it.
00:31:06.200 | And I think that if you look at it and you say, "Would I rather deal with some of these
00:31:11.140 | frustrations and annoyances, and also be able to see the world, travel to 12 countries this
00:31:23.580 | year, or RV to 20 states, and I'll just deal with the frustrations and be able to do it?"
00:31:29.340 | You can do it.
00:31:30.420 | And as I've said, it can be worth it.
00:31:33.540 | It really can be worth it because by eliminating perhaps your home expenses, you open up a
00:31:38.180 | chance to do something totally different, and that can be transformative for your family.
00:31:42.180 | That can be wonderful, a wonderful solution.
00:31:45.660 | It can be well worth it.
00:31:52.660 | It's worth putting up with those hassles if you wouldn't otherwise have a chance to do
00:31:57.140 | something.
00:31:59.980 | And you just accept as kind of cost of doing business the fact that I'm going to have diminished
00:32:04.860 | productivity here.
00:32:07.580 | And I'm choosing to accept the diminished productivity because I have something else
00:32:14.360 | that is going to be a much better solution for me, something else that I'm going to be
00:32:18.020 | able to do.
00:32:22.580 | Another thing that you can do is you can invest into – before I do that – people who I
00:32:28.780 | think are actually very well suited for the traveling lifestyle is going to be individuals
00:32:39.580 | without children.
00:32:43.220 | If I were single, I would live in an RV full-time, and I would work in the RV, and I would love
00:32:49.620 | it.
00:32:50.620 | I would move around.
00:32:51.620 | I would love it.
00:32:52.620 | Whether I did it all year or whether I just did it for three or four months of the year
00:32:56.140 | would be no problem.
00:32:57.180 | And in today's world, you can solve the Internet issues pretty well.
00:33:01.180 | If you're in your own RV, you can solve your noise problems, you can solve the environment
00:33:06.740 | problems, and you can be extremely productive.
00:33:09.020 | I would love that.
00:33:11.120 | Many of my challenges simply come from children, and those are challenges that I embrace eagerly.
00:33:17.180 | But I do think that it works well to be productive as an individual as long as you don't have
00:33:22.860 | the difficulties of dealing with children.
00:33:25.880 | Similar things to things like hotel rooms.
00:33:27.340 | I don't believe you're going to build an eight-figure business bouncing around a different
00:33:31.580 | hotel room every week.
00:33:32.580 | That's just too draining.
00:33:33.820 | It's not there that you can't do the work.
00:33:36.220 | You can set up in a hotel room, and you can have a computer, and you can have your phone,
00:33:41.980 | and you have a computer.
00:33:42.980 | You can have a good work scenario when you're by yourself.
00:33:44.500 | I find when I travel and I'm by myself in hotel rooms, it's wonderful.
00:33:47.900 | It's very productive.
00:33:49.340 | It's not the same problems.
00:33:51.660 | The problem with that kind of bouncing around is, well, can I actually maintain my own personal
00:33:56.920 | energy well enough to do it?
00:33:58.700 | Or can I actually deal with the hassles of travels?
00:34:04.980 | When the flights are delayed and things are canceled and everything becomes more difficult,
00:34:09.080 | can I do it then?
00:34:10.540 | Or it's a matter of, do I actually need to manage my staff?
00:34:15.400 | You're not going to get there alone, so you need to manage people.
00:34:18.620 | You don't want to be reliant on a tenuous 3G connection in a foreign country when there
00:34:26.120 | is a real great market opportunity on the horizon.
00:34:29.960 | I think single people can do the digital nomad thing much more effectively than parents can
00:34:36.180 | do it.
00:34:37.180 | It may be something that you just decide, this is great for a certain time of our life.
00:34:40.800 | There are lots of people, empty nesters for example, who have raised their children, and
00:34:45.020 | they've said, "You know what?
00:34:46.480 | We don't have enough money to retire.
00:34:48.480 | Nor do we necessarily want to retire.
00:34:51.040 | We're going to work, but what we'll just do is let's take our work on the road.
00:34:54.160 | Let's get a nice RV or let's go and do multi-month rentals at nice places."
00:35:00.880 | By the way, Airbnb has a new thing now where you can test your internet speed, which is
00:35:04.440 | a useful feature to know, am I going to have pretty decent internet at this house?
00:35:09.800 | So the travel can be a great way to keep an income coming in while also continuing on
00:35:18.020 | and enjoying the adventures that are different than what you've previously done.
00:35:21.440 | The next thing is investing in the right equipment.
00:35:25.720 | Every time I have invested in the right equipment, it has paid off.
00:35:29.720 | I've never wasted money by buying the right equipment.
00:35:33.240 | Every time I bought something that was just good enough, I've regretted it.
00:35:36.320 | And so if we expand that, I think one of the challenges, many of the challenges that I
00:35:44.160 | have faced have often been simply due to being too cheap and not investing properly in the
00:35:50.480 | right tools.
00:35:51.480 | And when I have purchased the right tools, it's made all the difference in the world.
00:35:56.920 | Example, when I actually bought that second camper on our RV trip, everything changed.
00:36:04.680 | It was not still perfect.
00:36:06.360 | It was challenging still, but I made a lot of money from the back of that camper.
00:36:14.120 | It was hard sometimes to find the right location.
00:36:16.480 | I'd be sitting in some coffee shop somewhere recording a class or something that I was
00:36:21.240 | doing, but I made a lot of money because I had better equipment.
00:36:26.080 | And so investing into the proper infrastructure and doing it as a cost of doing business is
00:36:31.360 | I think important.
00:36:32.360 | I'm going to have a standalone trailer.
00:36:34.120 | I'm going to have a standalone office.
00:36:36.680 | It's going to be set up properly.
00:36:37.940 | It's going to have the very best cell phone repeaters.
00:36:40.800 | It's going to have the very best MIMO system, the very best mesh network that works with
00:36:45.960 | my whole system.
00:36:49.080 | That's the way to do it.
00:36:50.640 | And investing into the right infrastructure of your life can pay dividends as long as
00:36:55.520 | you're in some place where there is an opportunity for you to make more money.
00:37:01.440 | It really is worth it.
00:37:03.360 | I think the ultimate lifestyle, the best lifestyle, if you have kind of the bug to move around
00:37:12.760 | a lot, the best lifestyle is to simply not try to do it on the cheap, but to say, "I'm
00:37:19.120 | going to go ahead and I'm going to set things up properly."
00:37:22.000 | If you want to have multiple homes, I think that's ideal, but multiple homes with proper
00:37:26.360 | offices, right?
00:37:27.640 | You want to have a multiple, your house with your office where everything is set up, where
00:37:31.320 | you can go in and you know everything is going to work, and you can sit down and be productive.
00:37:36.480 | That might mean I have one primary house and then I have a house that I go to every year
00:37:41.000 | for the summer, or I have a second home, or I have three of the houses across the world.
00:37:47.240 | But just going ahead and planning ahead and saying, "Here's what's necessary for me to
00:37:51.680 | be productive.
00:37:52.680 | What's necessary is that I have a good internet signal, that I have a quiet environment, that
00:37:58.320 | I have enough space to set up a video camera," or whatever your personal needs are, and then
00:38:03.480 | committing it to it.
00:38:04.800 | Not everybody creates media.
00:38:06.120 | Not everybody needs a video camera.
00:38:07.480 | Not everybody needs as much space even as I need.
00:38:11.000 | I have gotten lots of great work done by just simply taking a large closet and putting in
00:38:15.120 | a table.
00:38:16.120 | Again, I share some of the tips that I've learned.
00:38:18.720 | One of the first things that I do is if I'm in a new location, I'm going to be there a
00:38:22.200 | month, I find that I don't like leaving the house to go to work if I can avoid it.
00:38:26.920 | So I usually grab a master bedroom closet, a walk-in closet.
00:38:30.240 | I'll pop into Costco or Walmart, grab a folding table, a folding chair, buy them, set them
00:38:34.760 | up, just leave them in the house when I go.
00:38:36.920 | It makes all the difference in the world to have a good place where everything can stay
00:38:39.960 | set up and I can get my work done.
00:38:42.240 | So the best lifestyle is going to be just simply buckling down and recognizing it's
00:38:45.840 | not optional for me to have this.
00:38:48.320 | It's not just in the same way that it's not optional for a contractor to have the necessary
00:38:53.920 | tools to do his work.
00:38:55.420 | It's not optional for me to have the tools that are necessary to do my work.
00:39:00.960 | One of those tools that I need is a computer, a quiet space, a good internet connection,
00:39:06.200 | a microphone, a video camera, whatever your personal needs are.
00:39:11.840 | Make sure that you have those.
00:39:13.360 | Then you also can adjust your travel to that.
00:39:17.760 | So for example, there are many great YouTube video makers who their life looks glamorous
00:39:22.920 | but it's actually not quite the way it looks.
00:39:27.040 | They will have two or three days of adventure, they'll film it and then they sit still
00:39:31.400 | for three or four days to edit videos, handle the business, etc., do their calls.
00:39:35.800 | I think that's where it's also valuable to look at and say back to the complications
00:39:41.120 | of children, right?
00:39:42.120 | Because we homeschool then it's kind of you're always on in that context.
00:39:46.960 | Yes, we don't do formal academics every day.
00:39:49.940 | We do lots of world schooling, etc.
00:39:52.040 | But there's something about saying, "Hey, there are work days and there are rest days."
00:39:55.880 | When you're homeschooling though, every day is a work day because you're always in charge
00:39:59.200 | of supervision.
00:40:00.200 | You don't send the children away to school, thus you don't have the breaks to be able
00:40:03.960 | to work on your own things for sure during those times because someone else is doing
00:40:07.560 | childcare.
00:40:08.700 | And so those demands are high and thus it leads to more complications.
00:40:15.440 | I do think that there's a place for traveling around as kind of a part-time thing.
00:40:20.920 | I don't anticipate – I'm always careful with these statements.
00:40:27.440 | I think I've got it cautious enough.
00:40:29.440 | I don't anticipate ever again becoming a full-time digital nomad the way that we did
00:40:34.680 | for the six months of last year.
00:40:37.280 | I enjoyed it.
00:40:38.280 | I loved it.
00:40:39.280 | I felt totally free and I loved it.
00:40:41.880 | But I don't anticipate doing it again because it was too disruptive.
00:40:44.960 | The costs of kind of reintegrating and the costs of doing it all again and the cost of
00:40:49.920 | the time and everything like that is too disruptive.
00:40:52.880 | I think I will always keep at least a primary house even if it's empty.
00:40:57.480 | I don't care about the money.
00:40:58.480 | I'll always keep a primary house because it smooths everything out at least for the
00:41:07.080 | foreseeable future while we have children.
00:41:09.000 | I won't do the digital nomad full-time thing again.
00:41:12.600 | What I will do and what I think is great is enjoy the fact that we can do more mobile
00:41:19.360 | work and let it add a little bit of spice to life.
00:41:23.800 | And so it's actually fun to go for a week or two weeks or a month and do a working holiday
00:41:29.440 | on the road.
00:41:30.440 | It's a really neat lifestyle to say, "You know what?
00:41:32.600 | Let's go spend a month in London and I'm going to work every morning from 8 a.m. to
00:41:36.080 | noon and I'll rent a second hotel room to work in.
00:41:40.600 | But then in the afternoon we'll do cultural stuff."
00:41:42.840 | That's really fun or even on a smaller basis.
00:41:45.920 | One of the things that I talked about how I love having the pickup truck camper.
00:41:50.320 | I've actually over the years when I've had trouble focusing in my primary office,
00:41:54.960 | I've found that going somewhere else with a specific focus has been great.
00:42:01.480 | And so there was one time a few years ago, actually the income course.
00:42:06.880 | I created the entire income course sitting in a local park and I carried a table with
00:42:12.200 | me and every day I would go and I didn't have internet signal.
00:42:15.720 | And all I did was work on it and record.
00:42:19.360 | And so using an external place was very good for my personal productivity.
00:42:24.800 | Now go set up my table in the park, set up my gear.
00:42:29.520 | At that time I didn't even have it as compact as I have it now and get the work done.
00:42:34.640 | And you can solve with a simple inverter.
00:42:36.640 | You can grab all the power you need from your car.
00:42:39.760 | For most of us there's no problem there.
00:42:41.520 | Or grab an extra battery.
00:42:42.520 | I would carry an extra deep cycle battery with me and it worked great.
00:42:47.480 | Another solution that I think is great for creative folks, just people who want to have
00:42:50.960 | a change is grab yourself a little cargo trailer.
00:42:55.120 | Something like a 10-foot cargo trailer that you can pull behind your vehicle.
00:42:58.020 | Put in the cargo trailer a desk and a chair and then put in a nice recliner.
00:43:04.680 | Just grab a nice lazy boy type recliner and put that in there.
00:43:07.600 | Or maybe a futon sofa.
00:43:09.700 | And then have that be your mobile office.
00:43:11.720 | You can take it to a beautiful place, take it to a beautiful park, open the door, look
00:43:15.000 | at the mountains, take it to a beautiful river.
00:43:17.400 | Find some place that's different and you can pop your laptop on the desk.
00:43:21.120 | You can get just as much writing done or just as much planning and goal setting and things
00:43:25.960 | done.
00:43:26.960 | That's what I've done most of the time.
00:43:28.840 | And yet having that chance to be productive out of the office is really refreshing.
00:43:34.880 | And you're covered in the – you've got protection from the sun, protection from the
00:43:38.280 | wind, protection from noise even.
00:43:40.640 | And yet you can see something different outside of your door.
00:43:44.720 | And so it's not that traveling around is always a bad thing.
00:43:48.040 | It's just that you need to be aware of what your particular situation is and then learn
00:43:53.000 | from other people.
00:43:55.720 | In summary, for me, I don't think that I'll do the full-time digital nomad thing again.
00:44:02.040 | There may be times, right?
00:44:03.620 | Maybe when the children get older we'll do the RV thing again.
00:44:07.040 | We might do a sailing thing at some point.
00:44:08.760 | We might just travel.
00:44:09.880 | But right now my plan is to stick to my three months on, one month off.
00:44:14.360 | Three months on, one month off.
00:44:16.320 | Three months of intense work in a standard traditional setup and then one month off to
00:44:21.240 | travel, to do whatever we want, to have a wacky schedule.
00:44:24.600 | Three months on, one month off is my plan.
00:44:26.800 | And then we'll see how it goes.
00:44:29.480 | As always, I'll keep you in the loop.
00:44:31.040 | Thank you so much for listening.
00:44:32.200 | Hope these ideas and my experiences are helpful to you.
00:44:34.920 | Remember if you'd like my personal help, you can book a call with me at RadicalPersonalFinance.com/consult.
00:44:38.720 | RadicalPersonalFinance.com/consult.
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