November brought milestones and surprises as we returned to routine after our overseas trip. From shifting grocery habits and unexpected car repairs to surpassing the $1,000,000 net worth milestone, it was a month of progress and reflection on our journey toward semi-financial independence.

Traveling without a SIM card might sound daunting, but our family’s WiFi-only approach in Dubai, the UK, and Paris turned out to be an enriching experience. With a few digital stops along the way, we discovered a new way to stay connected without sacrificing the present.

This October, our journey to semi-financial independence took on new clarity. After a month of travel, we revisited our finances, adjusted our net worth, and added a fresh ETF to our portfolio. With steady progress toward our goal of a $650,000 share portfolio, we're feeling motivated and focused on the road ahead. Join us as we dive into the numbers and share the highlights from this month’s financial journey.

In this post, I share my strategy for achieving semi-financial independence by age 50. Inspired by the 4% rule, popular FI bloggers, and books like Die With Zero, I’ve adjusted my financial goals to prioritise spending time with my family while still working part-time in my later years. My plan involves hitting a $625,000 investment target by 50, supercharging it with debt recycling, and letting my portfolio grow to $1.25 million by the time I’m 60. Here’s how I’m making it happen.

For years, my focus was on saving aggressively to achieve semi-financial independence by age 50. But after reading Die With Zero by Bill Perkins, my perspective shifted. I realised that waiting until my kids were older to travel might mean missing out on the best years to create lasting memories with them. Instead of delaying, my family and I are now building a holiday fund, mapping out trips, and prioritising experiences today. This post dives into how we’re balancing saving for the future with living in the moment.

Facing unexpected hurdles in our dream of building a modular home, we’re now at a crossroads with our half-a-million-dollar block of land. In this post, I explore the options we’re considering—from selling the land to building a traditional home, and even rentvesting. Join us as we navigate this challenge and discover what’s next in our journey to a simpler life and financial independence.

In this post, I share how we've been managing our household expenses since 2017, inspired by The Barefoot Investor. From creating detailed yearly budgets to hunting for the best utility deals and balancing family trips with financial goals, I break down the strategies we use to stay on top of our finances. Discover how we've optimised costs like electricity, groceries, and medical expenses while maintaining consistency through a cash buffer for life's unexpected twists.

Join us on our journey to semi-financial independence as I share our income, expenses, and investments, along with our progress toward a $650,000 share portfolio by age 50. In this update, I discuss the impact of our recent move on our savings rate, the balance between managing expenses and family life, and our investment strategy moving forward. Stay tuned for more insights on our path to achieving financial freedom.