Journey of a millennial couple reclaiming freedom through financial Independence

From budgets to beaches.

Our Current Financial Outlook

Total Net-worth: $1,396,294

Investments & Savings: $506,294

What is this?

We are a couple in our early 30’s with 1 child on the way. Follow our journey to financial independence. I share exactly what we save, spend, and invest each month — plus our net worth growth over time — as we work toward FIRE (Financial Independence, Retire Early). Real numbers. Real progress. No fluff.

To us “Retire” doesn’t necessarily mean we don’t work, but it means we don’t HAVEto work a normal job or career. It’s about complete flexibility

Why?

We don’t want to be chained to a desk until we’re 65. We don’t want someone else deciding when we can take time off. We don’t want to play office politics or depend on another business for our livelihood. We want freedom — the freedom to choose how we spend our time, where we live, and what our days look like.

How?

FIRE is achieved by saving and investing a large portion of your income until your investments can cover your living expenses (or close to) giving you the freedom to stop working if you choose.

About us

We’re a couple in our early 30s from New Zealand, on a mission to achieve Financial Independence and Retire Early (FIRE).

Our story began in the corporate world, working traditional 9-to-5 jobs in New Zealand before heading to London for our Overseas Experience. Those years abroad were not only incredible for travel and growth — they also allowed us to save and build a strong financial foundation.

After returning home, we purchased a house in New Zealand, which we’re proud to say is now completely mortgage-free. Today, we’re balancing one salary job while growing a small business designed to give us greater flexibility and independence.

We’re also about to start a brand-new adventure — becoming parents. As we prepare to welcome our first child, our motivation for financial freedom has only grown stronger. We want to build a life with time, flexibility, and presence — not just for ourselves, but for our family.

Our goal is simple: reach a ~$2 million NZD portfolio alongside our freehold home. That’s our FIRE number — the point where we could comfortably live off our investments alone. But beyond the numbers, our real dream is to design a life where we can choose meaningful work, spend time on what matters, and raise our child in a world where time is the ultimate luxury.

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