Location Independent, International Jobs: Ruby from A Journey We Love

Hello! Welcome to “Location Independent, International Jobs,” the Wednesday series where I showcase stories from people who have become location independent, work internationally, and/or continuously travel (check out previous stories here, here, and here!). They’ll be sharing how they became location independent or how they got jobs abroad, but most importantly, they’ll share how their lifestyle has positively or negatively affected their finances and how they got to the life they’re living now. 

 

The reason for this series is to showcase people who have already achieved what the ThreeYear family is working towards: location independence and/or securing international jobs. Since we’re not sure which route we’ll take, we thought we’d hear from people who’ve already achieved one or the other, so we can learn more.  

Today, I’d like to introduce you to Ruby from A Journey We Love. Ruby and her husband are thirty-somethings who travel a lot, even though they have full time jobs and are working towards FI before 45, thirteen years from now. Once they reach financial independence, they plan to become location independent and travel full time. Ruby says, “We want to have more of our time back to do what we want and focus on our passions instead of trading our time for money at a traditional office.” I’m with you there, Ruby, and I look forward to sharing your story with our readers! 

Can you tell us a little bit about your background?

I was born and raised in the Philippines, and only immigrated to the US four years ago because of a job opportunity. I met my husband in the US, and we’ve been married for a year but together for nearly four years. We don’t have kids yet but we plan to!

A Journey We Love--www.thethreeyearexperiment.com
Peter and Ruby from A Journey We Love

I was from a middle class background. I lived in the Philippines most of my life – I studied there from grade school until uni and also started my career there. Well, until that day when my employer in the Philippines (a multinational bank) sent me to the UK (this was in 2008). I met a lot of people who loved to travel and that inspired the travel bug in me. I got another opportunity to go back to the UK in 2011 (also through said employer), and I realized I didn’t want to go back home but wanted to live full time abroad. In 2013, the opportunity to move to a new office in Florida came through. It was an expansion and it was relatively new and I jumped at the chance. This contract was only supposed to be for three years, but they took me on as a full-time worker here in the US after I got married to Peter.

It was always my goal to leave the Philippines. Back when I was thirteen, I knew I wanted to go, but always thought I’d end up in Singapore, which was a first world country that’s close to the Philippines. I decided that if I looked for work, it would have to be at a multinational company to gain more exposure (and boost my resume if I wanted to look for jobs abroad).

Peter’s story is a bit different than mine. He was born in Bratislava, Slovakia and lived there until he was eleven. Then in 1997, his family moved to the US when they won the green card diversity lottery and has lived in the US ever since. I met him through work – we were working for the same multinational company that sent me to the US!

Not only did said company make my dream of moving abroad come true, it also gave me the opportunity to meet my husband!

How did you and your family make the decision to become location independent/move internationally?

My husband moved to the US when he was twelve from Eastern Europe, so he is fine with moving to different countries just to feel what it’s like to live there and be one with the locals. We also love to travel, so why not become location independent where we can earn a bit of money to sustain most of our travels? Well, that is the goal, but we’re not there yet!

Moving internationally is also a big plus for us, especially since we don’t have children yet. It goes to show potential employers that we are open to change and we are okay being uprooted and being thrown into a brand new destination to get used to other cultures and integrate with other people. It’s not as bad as you think either! You may also get to be exposed to multiple opportunities.

Where do you travel? (within the country, internationally, etc). Favorite place? Least favorite?

We travel anywhere and everywhere: it could be a state park in the city where we live in, it could be to visit family in the Philippines or in Slovakia. We also go wherever the sales are: we booked trips to Asheville, Memphis, Richmond, and St. Louis, just because the ultra budget carrier had deals for less than $100 roundtrip per person. We don’t have a least favorite place because every single destination we’ve been had something to offer: be it culinary treats or sightseeing. My favorite place would have to be London – I personally had a chance to live there for a few months. It was expensive but it was subsidized by the company I worked for at the time so it wasn’t so bad.

If you have kids, how have they adapted to the moves? Best part of traveling for them? Worst part?

We don’t have any kids yet but if we do have them, we’ll want to make sure that travel is part of their life. Expose them to the world that’s out there instead of isolating them inside the house or a community where they get too comfortable. If you are uncomfortable, it actually helps you grow and learn your real self. It also helps them to see the real world instead of just watching a manufactured world on TV.

How has becoming location independent positively (or negatively) impacted your finances (since this is a personal finance blog)?

When I first moved from the Philippines to the UK, and the US, it definitely impacted my finances! I am now earning much more than I was back at home, and so I’m saving more too. There are many more financial products I can invest in here in the US, and I can get to “travel hack.” There’s definitely plenty of other opportunities to earn and save more if you move from a third world country to a first world country! Plus, all those signup bonuses by opening bank accounts + credit cards. Oh my!

We’re not normal FI folk who cut a lot of “fat” out of their budget. If you look at our blog, we have a LOT of travel posts… and even though we want to be FI, we’re not cutting back on our travel… far from it! We actually travel more and more even as we try to achieve FI.

First off, we do travel hacking to offset our travel costs. Other specific things? We save 50% of our income by contributing the max for our HSA, 401(k) and our Roth IRA.

We also try to earn more by Airbnbing a spare room in our house. Yes, we don’t have as much privacy but who cares? The money that’s coming in from our BnB helps to pay off some of our mortgage, utilities & HOA bills. We also have a rental property which we rent out to help pay off the mortgage + a bit extra that we put towards principal pay down.

If we have a cash surplus, we save it and invest it in Vanguard funds or as a downpayment for another rental property (we’re still looking for our third property).

What are your future plans for your family?

Be able to travel more, and have more time for us to enjoy our lives without thinking much about money :slight_smile:.

Ruby and Peter have some very cool travel plans for their lives. Check out their adventures on their blog, A Journey We Love, where they record all of their travel adventures, or on Instagram (what a beautiful feed!!!) or Twitter.  Comments or questions? Ruby will be responding directly in the comments section so fire away! (No pun intended! Ok, maybe!). 

Location Independent, International Jobs: Adriana of Money Journey

Hello! Welcome to “Location Independent, International Jobs,” the Wednesday series where I showcase stories from people who have become location independent, work internationally, and/or continuously travel. They’ll be sharing how they became location independent or how they got jobs abroad, but most importantly, they’ll share how their lifestyle has positively or negatively affected their finances and how they got to the life they’re living now. 

 

The reason for this series is to showcase people who have already achieved what the ThreeYear family is working towards: location independence and/or securing international jobs. Since we’re not sure which route we’ll take, we thought we’d hear from people who’ve already achieved one or the other, so we can learn more.  

Today, I’d like to introduce you to Adriana, who blogs at Money Journey. Adriana and her boyfriend have lived in Italy for the past nine years. When Adriana first arrived in Italy, she had no job, spoke very little Italian, and hadn’t even finished college! Now, nine years later, she has a freelance career, has traveled all over the continent, and even occasionally gets mistaken for an Italian! I think you’ll find her story very interesting, especially if you’ve ever considered living abroad. 

Background

My name is Adriana and I’ve been living in Italy with my boyfriend for the past nine years.

Adriaa--www.thethreeyeareexperiment.com
Adriana of Money Journey, with Switzerland behind her

We’re not married yet, nor do we have any kids or pets.
Continue reading “Location Independent, International Jobs: Adriana of Money Journey”

Location Independent, International Jobs: Steve of Think, Save, Retire

Hi folks! Welcome to the second post in my Wednesday series. These are real stories from people who have become location independent, work internationally, and/or continuously travel. They’ll be sharing how they became location independent or how they got jobs abroad, but most importantly, they’ll share how their lifestyle has positively or negatively affected their finances and how they got to the life they’re living now. 

The reason for this series is to showcase people who have already achieved what the ThreeYear family is working towards: location independence and/or securing international jobs. Since we’re not sure which route we’ll take, we thought we’d hear from people who’ve already achieved the life, so we can learn more.  

Today, I’d like to introduce you to Steve, from the blog Think, Save, Retire.  Steve very kindly agreed to share his story when I reached out to bloggers on the Rockstar Finance Forums (check them out! Tons of financial nerd types like myself discussing all aspects of financial independence!).  

Steve retired at age 35 and he and his wife Courtney currently travel the United States in their Airstream (a.k.a. my dad’s dream mode of transportation). Steve has given up traditional employment and now blogs about how he and his wife created a life that freed them up to do more of what they really value the most–namely, travel. 

Without further ado, take it away, Steve!!

Can you tell us a little bit about your background? Where you’re from, how long married, degrees, pets, etc.

I’m 35 and recently retired from full-time work. I worked in the information technology industry for my entire career doing things from computer programming and database administration to being the Director of Information Technology at a not-for-profit organization. I was born on the East Coast, but I’m definitely more of a West Coast kind of person, so I moved out here in 2007 after starting my first real job in Virginia. I’ve been married for almost three years, and my wife and I live in our 30′ Airstream Classic with our two rescued dogs, Patti and Penny.

Steve of Think, Save, Retire--www.thethreeyearexperiment.com
Steve and Courtney enjoying the good life!

I don’t consider myself to be a “smart cookie.” No prestigious degree (I have a degree in Information Technology from a no-name school in Colorado). I’m not published in journals. My ideas haven’t been studied by industry experts. I’m a normal person just like anyone else. The main difference is I chose a very different life for myself. Continue reading “Location Independent, International Jobs: Steve of Think, Save, Retire”

Letters of Intent

Mr. ThreeYear has been after me for a couple of weeks. “When are you going to contact international schools? When are you sending letters of intent?”

Our family is on a three-year journey to double our net worth and move abroad. One possibility for our move involves me getting a job as an ESOL Teacher in an international location.

Letters of Intent--www.thethreeyearexperiment.com

Why would I continue to work when we move abroad? Wouldn’t that limit our location independence? First of all, our plan is to move to one specific international location for a couple of years. We’d really like to expose our kids to new cultures, languages, and parts of the world. We do want to enroll them in a formal school, however. A teaching position gives us many of the benefits we’re looking for.  Continue reading “Letters of Intent”

Planing Our Way to Frugality

When Mr. ThreeYear and I decided to turn our financial lives around in 2008, we had a lot to learn. When we first started to budget, we wasted tons of money on what we now consider unnecessary expenses (things like alarm systems, cable, and yard service).

Planing Our Way to Frugality--www.thethreeyearexperiment.com

We were living in Atlanta at the time, and the dominant culture in that city can be a bit… showy. Since public transportation is limited there, as it’s one of the most spread-out metropolitan areas in the country, cars are a must. And one of the most popular Atlanta pastimes seems to be car one-upmanship. There was even a Lexus Lot at Turner Field, so that Lexus owners could park their cars in an exclusive lot much closer to the field. We were driving a BMW and an Acura at the time (although they were both very used), even though we had debt.

Then we moved to New England and we were exposed to a completely different culture. In the rural New England hamlet where we live, people like to say that they’re of hardy stock. After all, you have to be tough to brave seven months of snow, mud season, and the fierce weather that characterizes the very northeastern-most region of the country. Natives of this region are often seen in January in nothing more than plaid shirts, jeans, and boots, with temperatures in the teens (that’s roughly -10 for you users of Celsius). Continue reading “Planing Our Way to Frugality”

At Home in the World

A few weeks ago, I found out I was picked to be part of the launch team for the new book from one of my favorite bloggers, Tsh Oxenreider. It’s called At Home in the World, and as thanks for helping spread the word about this book, we got to read advanced copies. Luckily, I received the manuscript on a Sunday, because I spent the entire day devouring it.

At Home in the World--www.thethreeyearexperiment.com

First, it combines my favorite two things in the world–family and travel. Second, it was written by the founder of The Art of Simple, a blog devoted to simple living and a thoughtful pursuit of happiness. Tsh is one of the people who inspired our three year plan to move internationally after we double our net worth and she seems to be grounded and unassuming as they come, but with a terrific sense of self. I love pretty much everything she writes or recommends. Continue reading “At Home in the World”

Are You the 1%?

Last night, my son asked me to replay a video I’d shown him last year.  It’s called If the World Were 100 People. Maybe you’ve seen it. One of my professors in a TESOL (that’s Teaching English to Speakers of Other Languages if you’re new here) Master’s course had introduced me to the video last Spring.

World 100 People--www.thethreeyearexperiment.com

If you’ve got two and a half minutes, it’s a great watch.

The company that developed the video, GOOD Magazine, used research from the Central Intelligence Agency’s World Factbook to give us an idea of what our world would look like if its 7.5 billion inhabitants were reduced to a mere 100 people. 100 is a number we can wrap our brains around fairly easily. We all know 100 people. We’re probably friends with 100 people. Continue reading “Are You the 1%?”

That Time I Moved to a Different Continent

Our family is on a journey to become location independent in three years. One of our plans is to move across the world for a few years. Today, I’ll share the story of the last time I moved to a different continent.

Moved Continents--www.thethreeyearexperiment.com

Travel back with me, to many, many, many (ok, not quite so many) years ago. The setting: a shabby chic apartment near my college campus. Two twenty-something women are starting to realize that the real world was closer at hand than they would like: Continue reading “That Time I Moved to a Different Continent”

Why Location Independence is Important for Us

Our family is on a journey to become location independent in the next three years. Currently, our plan is for either Mr. ThreeYear or me to take a job, since we won’t quite be ready to retire. If I take a job with an international American school, I will see if I can negotiate my boys attending as part of my compensation package.

What Does Location Independence Mean, Anyway?

Location independent means different things to different people. Some families, Continue reading “Why Location Independence is Important for Us”

Let’s Move to: Singapore

My family is on a journey to become location independent in three years. We plan to leave New England and give our family the opportunity to travel together. I can teach English while we’re there, which would give us health insurance and free schooling for the kids, or we might find remote jobs. So today, let’s contemplate moving to Singapore!

Singapore botanical garden--www.thethreeyearexperiment.com
View of Singapore’s Botanical Garden from our hotel room

The City-State

When my friend moved to Singapore a few years ago, I admit to not even knowing where it was, or that it was both a city and a country. Continue reading “Let’s Move to: Singapore”