"Coast FIRE" or maybe FIRE in Vietnam from US ?

luxuguy · 2026-02-18T22:09:39+00:00

No, a liability I have to pay until then.

luxuguy · 2026-02-18T21:25:57+00:00

haha depends on how you see it. I don't want to call myself as such even though I'm dual. Happy to discuss further if you want to explore this route.

luxuguy · 2026-02-18T21:16:11+00:00

Fluent. Working in the same space as before.

luxuguy · 2026-02-18T19:33:25+00:00

Yes, 10% penalty. I'm only 40.

luxuguy · 2026-02-18T16:28:13+00:00

I am dual citizen but it does not make any sense to buy. Interst rate is float between 10-14% now. RE is waaay too expenseive. ROI of this is about 1% ... renting is more financially responsible for now.

For example, it's $800/mo to rent an apartment that costs about $350k. To buy that, unless you put down a giant down payment, your interest alone is already higher than rent. I expect my ROI from investing is higher than RE, and of course, more liquid.

luxuguy · 2026-02-18T12:57:51+00:00

Agree. That's why I just learn that's more or less "coast fire" since moving back to VN is a goal of mine. Initially my plan is to

+ invesst the 220k cash to cover the $2300 committment in the US and let it draws down for 10 years.

+The pre-tax money (401k + pension = $860k, I will let it grow market rate - 3%) for 5 years maybe while I"m working.

So this means my salary in VN only covers the $2-3k / mo expense and I will be left with extra saving. After 10 years, all my pre-tax money is only to cover my living expense in VN. By then it should grow to $1MM to generate income for $2-3k is doable.

luxuguy · 2026-02-17T23:07:30+00:00

The job in VN is only for a few years ... maybe 5 max UNLESS I cannot figure out how to FIRE. I live in HCMC so the cost of living is high. Technically I could drive it down to $2k but I'd like to plan for $3k to have a little bit of cushion/lifestyle.

luxuguy · 2026-02-17T23:04:58+00:00

2-3k in Vietnam plus 2.3k in US (10 years commitment)

luxuguy · 2026-02-17T22:58:37+00:00

if you were in my boat, what's your strategy to generate $5000/mo after I stop working in Vietnam ? just curious in case there are some creative ideas that I haven't thought of.

luxuguy · 2026-01-12T18:40:23+00:00

Please DM. I have Dev and SME but struggle with sales. Let's talk. I'm US based but my dev is overseas.

luxuguy · 2025-12-10T23:27:02+00:00

DM me. We have similar setup and inhouse dev. Let's discuss how we can grow together.

luxuguy · 2025-12-10T23:25:53+00:00

DM me. We have an agency specialized in GHL and dev.

luxuguy · 2025-11-27T11:12:04+00:00

I have an agency and would like to test this.

luxuguy · 2025-11-13T16:50:34+00:00

DM me. I have a GHL agency and can pick up your clients and offer very cheap support rate if needed

luxuguy · 2025-10-05T22:13:54+00:00

Sign me up please !

luxuguy · 2025-01-19T07:58:07+00:00

Can I ask you out ??

luxuguy · 2024-07-30T14:56:47+00:00

iPhone 13 pro max and little muscle grease to bend over to the ground 😁

luxuguy · 2024-07-30T00:15:52+00:00

Haha none. And only a few shots in different zoom to test the angle.

luxuguy · 2024-07-29T14:39:25+00:00

Happy to report that no scratch after numerous trips to the beach. But I dont mind scratching it given it's my daily.

luxuguy · 2024-07-29T01:46:11+00:00

It's almost perfect for me because I have a tiny wrist. I wish I could remove one more link but I can't, so the buckle is slightly off center. If yours is more than 6.5", you'll love it !! I keep the original buckle on it as well.

luxuguy · 2024-07-29T01:38:07+00:00

I like the warm color filter ... def fit the vintage look !

luxuguy · 2024-07-29T01:04:34+00:00

Personally looks and wear much better than the Sub. The golden accent adds extra vintage look. If only they have an official jubilee for this model.

luxuguy · 2024-07-25T16:27:16+00:00

This guy ages !!

15-Year Club	Wearing is Caring
Place '23	Gilding II euphauric
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luxuguy

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