Blog Posts

Reader Case: Swiss Family Early Retirement Plan Upended by the Current Market

It’s been a while since we’ve done a reader case, so let’s break open the vault and take a look. This one is a tad involved, so let’s get cracking! Dear Kristy and Bryce, I have been following your blog and also read your book, not once, but twice. We have been preparing for FIRE for a few years and by the look of the numbers we will be FIRE ready in the next 2 years but a few things are holding us back. Including but not just the fact that, we made some very bad investment decisions in 2021 […]

Student Loan Forgiveness: Good Idea or Socialist Giveaway?

Student loan forgiveness is one of those topics that you’d hope would be fairly straightforward and uncontroversial, but as with anything to do with US politics, nothing is ever straightforward and uncontroversial. When President Biden announced that he was going to cancel up to $10,000 of federal student loans ($20,000 for Pell Grant recipients) at the beginning of the year, that was already a massive compromise. He had campaigned on eliminating all student debt for people earning less than $125,000. But then the 50/50 split of the Senate he ended up with meant that he couldn’t fulfill this promise without […]

Meet Ken and Mary: Part 2

After last week’s discussion about FIRE with kids and the Black Tax, without further ado here’s Part 2 of our interview with Kan and Mary from This concept of the Black Tax is really interesting to me, because it echoes a lot of our friends who have to deal with this from an Asian background. Can you tell us a little more about how this affected you personally? Ken: Sure. One of my family members called and said to me, “I want to start this fish farm. I found this piece of land and I just need to buy […]

Meet Ken and Mary: Nigerian Immigrants who Became FI with 2 kids

FIRE is only for privileged people. FIRE is not doable unless you’re a DINK (double income no kids). We get this pushback all the time. Well, today, I’m going to introduce you to a couple who are neither of those. Meet Ken and Mary, the founders of, who became financially independent in 2017 at age 34 with two kids. They live in the UK but they both came from Nigeria and grew up with parents who struggled and gave them something that I know all too well—the immigrant mindset. I first met Ken and Mary in 2019 at the […]

Let’s Go Exploring! Plitvice and Split: Croatian History More Epic Than Game of Thrones

It’s hard to be in a bad mood when you’re surrounded by a wonderland of pure joy that looks like this: But somehow, I managed to do it. The cause? I’ll get to that in a minute. We ended up in this slice of paradise that Wanderer affectionately refers to as “Banff on steroids,” due to unrelenting peer pressure. We were told by every Croatian we spoke to (including the immigration officer) that “you MUST go to Plitvice (pronounced “plit-vitz-eh”). You can’t leave Croatia without visiting it, so drop everything and go NOW!” Okay, okay, we’re going. Yeesh. Isn’t it […]

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