Superannuation in Your 40s: It’s Not Too Late to Catch Up
The gender super gap is real, but your 40s offer powerful catch-up years. Small steps today can transform your retirement tomorrow.
đź’°Financial Independence
A journey toward freedom, not just wealth. These reflections explore saving, investing, and mindful spending — all in pursuit of a life where time matters more than money.
How We Manage Money as a Couple (Without Fighting)
Managing money as a couple doesn’t have to lead to fights. Here’s how we combine finances—keeping independence, teamwork, and shared goals in balance.
Market Downturn as Debt Recycling Opportunity
Learn how a market downturn can be a debt recycling opportunity. Discover strategies to grow wealth, reduce tax, and invest wisely during volatile times.
Opportunity Cost: my Car Purchase Cost me $159 900?
Discover how a $23,800 car purchase led to a $159,900 opportunity cost. Learn about the hidden expenses of car ownership and smarter financial choices.
The Twelve Days of Semi-Retirement?
Twelve days of work, eighteen days of freedom – this is what semi-retirement looks like for me. A rhythm of earning, living and being. Here’s how it feels.
Are Meal Kits Worth the Cost?
Discover whether meal-kit services like HelloFresh deliver value or just convenience. Analyse cost, time-savings & smarter choices for your budget.
Should I Pay for Financial Advice?
Wondering if financial advice is worth it? I share my personal experience, what I learned, and how independent advice helped me on journey to retire early.
Should I Pay Off the Mortgage or Invest?
Explore my journey balancing mortgage repayments and investing. Finding clarity between logic, emotion and the FIRE mindset.
How Much Is Enough? Fulfillment in FI
Redefine what “enough” really means. Financial independence is more than numbers—it’s the freedom to live with health, time, and fulfilment.
Time: The Most Valuable Currency
From international student to net-worth millionaire. A journey that proves time, not money, is life’s most valuable currency.
Savings Rate: The Key to Financial Independence
My years as a poor medical student sharpened my frugality — and inspired The Frugal Doctor. Here’s how I learned saving alone won’t build wealth
Pay Yourself First: Building Financial Freedom
Pay yourself first changed how I manage money. Prioritising savings created balance and freedom on my journey to financial independence.
Turning point: Choosing Time Over my Roster
In 2016 I realised my time wasn’t my own – so I stepped off the fast track to choose freedom. The turning point toward financial independence.