2014
Started in California
Household income was low six figures. We chose systems before upgrades.
Our Story
10-Year Path to Work-Optional Living
No stock tips. No hype. Just disciplined investing, fixed-cost control, and clear quarterly reviews.
Our Story
From low six figures to FI in 10 years using simple systems.
2018
Moved to Colorado
We kept fixed costs steady and kept investing.
2024
Income grew 4x in 10 years
Income rose, but the system stayed simple: automate and review quarterly.
2025
Reached FI and moved to India
FI gave us options. We moved on our own timeline.
OFR
We still enjoyed travel, coffee, and restaurants. We upgraded joy, not fixed costs.
Top mistakes
- • We did not start investing at 24.
- • At 24, we leased a car we could not afford.
- • Before our first home, we left saved income in a low-yield Bank of America savings account.
- • On our first home, we put 25% down.
- • Then we paid down a sub-4% mortgage too aggressively in the first two years.
- • We did not understand capital gains taxes and got a surprise tax bill.
- • During COVID, we bought a high-fee mutual fund chasing short-term gains.
- • We owned 5 different cars in 14 years.
What we got right
- • We saved and invested 25%+ for 8+ years.
- • We kept increasing income while protecting fixed costs.
- • We built for Work Optional life, not status.
- • We did not use financial advisors after learning this can stay simple.
Income Growth
4x in 10 years
Without lifestyle inflation traps
Process
Simple + repeatable
Automate every 2-4 weeks, review quarterly
Outcome
Work optional
FI reached before relocating to India
Want this system for your family? Apply for 1:1 coaching.
Apply for 1:1 Coaching