Compounding: There is no magic without saving (now!)

Date published: November 18, 2018

Many people have heard of the magic of compounding, and if you look at examples of historical charts (often using a 10% or so annual return for demonstrative purposes) it is indeed magical. However, when you next see one of these charts, have a quick squiz at the X-axis (the one along the bottom). What you will probably find is something along the lines of ‘0, 5, 10, 15, 20, 25, 30, 35, 40’.  What do these numbers refer to? Yes, indeed – FORTY YEARS.
Continue reading “Compounding: There is no magic without saving (now!)”

Index funds, managed funds, and unintentional philanthropy

Date published: December 30, 2017

From reading our second financial update, you can see that from July to December 2017 we began to invest heavily in index funds and closed our account with a managed mutual fund. This investment strategy of investing in an index over actively managed fund is widely recommended by countless experts who are not being paid to say otherwise. Continue reading “Index funds, managed funds, and unintentional philanthropy”

Beware of stepping aboard the Financial Independence Express

Date published: December 17, 2017

Once you’ve boarded the Financial Independence Express, it can be a little difficult to get off. In fact, it can be a little difficult to take the time to just peer out the window of your carriage in order to enjoy the view. It can be even more difficult – perhaps impossible for some – to ask the train driver to slow down a bit so that you can really appreciate the beautiful surrounds. Continue reading “Beware of stepping aboard the Financial Independence Express”

Financial update 1 (Dec 2016 – July 2017)

Date published: November 29, 2017

Welcome to our first financial update!


In our last post, we introduced you to the four core figures that will give you all of the information that you need to be able to gauge where we are at in terms of our quest for semi-retirement (and, ultimately, full retirement). If you have not read the aforementioned post, it would be a wise move to start there before you scroll down through the below figures, as they will make a lot more sense. Furthermore, you can see how we weaseled our way out of displaying the actual dollar amount of our assets, liabilities and net worth. Not to mention that you will also gain an understanding of what our orange goal line actually represents. Continue reading “Financial update 1 (Dec 2016 – July 2017)”

Where it all started

Date published: November 26, 2017

It feels strange writing ‘where it all started’ without knowing how it ends.

For those of you who rudely skipped the reading of our first ever blog post, this isn’t a ‘we did it and here’s how’, this is a ‘we’re doing it, we hope’. So, if this is where it all started, what does ‘it’ refer to? Hopefully not a series of disastrous decisions that led us to financial, physical, and social ruin. But, hey, that could be how this ends – let’s find out. Continue reading “Where it all started”