About

The official bio is this: 

Denver

As of Feb, 2019: We are in our 30s and hoping to reach FI in 2026. We started our FI journey in 2015, a year after we married. 

My wife is a Registered Nurse and I a Data Analyst. We live in Denver, CO.

We’re a two income household and index investors (VTSAX, S&P 500 index funds in our retirement accounts, 90-10 Betterment allocation)

Our strategy is simple – we save the higher income and live on the other. We track our expenses, but do not keep a budget. We spend where we must, but are, by nature, not wanting for much.

We maxed our retirement accounts last year – 2 401Ks and 2 Roths. We hold 3 months of emergency reserves in VMMXX. The rest go into a non retirement account we hold with Vanguard. 

We do not side hustle.

We’re hoping to reach FI in 2026 (in 9, 8 years), then work two more years to pay off our mortgage. Our total expense last year was $62,696. Of this, $27,545 was mortgage. Once that goes away, we’d do quite quite well on $50,000 (taking property taxes, HOA, etc into account). 

I’d like to continue working after FI – either take up a more exciting job, or a less demanding one, or do multiple part time jobs, or international ones. 

My wife plans to take time off, then work part time if she feels like it.

The idea is have some income to cover some of our expenses. And possibly, health insurance.

The idea is to have the option to do what we like.  

We’ll want to travel, and take care of our parents. I’d want to teach at some point (internationally).  We do not have any children at the moment. Should they come, they can tag along.  

Disclaimer: gofi [go-fee] logs our FI (financial independence) journey and claims no financial expertise of any kind. So proceed, as you would anywhere, with caution. We update our numbers every week. You can email us at gofi@gofi.io or tweet @gofi_io (though we’re not very active on it).