Want to Escape the Hamster Wheel and Retire Sooner?

Your Financial Freedom Journey
Starts Here

[ditty_news_ticker id="2920"]

Blog

This blog makes the journey to FI, simple, actionable and fun.

Services

1-on-1 Coaching is by far the shortest route to FI.

Toolkit

Get a kick-start,
the very best FI tools.

Welcome new reader!

If you're on the path to financial independence, you've come to the right place!
We have a lot of fun here, as we develop ourselves and build our wealth.

The ultimate goal...less work, more time to enjoy life!

– EntreFIneur

img.wp-smiley,img.emoji{display:inline !important;border:none !important;box-shadow:none !important;height:1em !important;width:1em !important;margin:0 .07em !important;vertical-align:-.1em !important;background:none !important;padding:0 !important;}html{font-size:112.5%;}a,.page-title{color:#21bcad;}a:hover,a:focus{color:#1ba39a;}body,button,input,select,textarea,.ast-button,.ast-custom-button{font-family:"Merriweather",serif;font-weight:400;font-size:18px;font-size:1rem;line-height:1.6;}blockquote{color:#1e242f;}p,.entry-content p{margin-bottom:1.4em;}h1,.entry-content h1,h2,.entry-content h2,h3,.entry-content h3,h4,.entry-content h4,h5,.entry-content h5,h6,.entry-content h6,.site-title,.site-title a{font-family:"Oswald",sans-serif;font-weight:500;}.site-title{font-size:1.7em;display:block;}.ast-archive-description .ast-archive-title{font-size:1.7em;}.site-header .site-description{font-size:15px;font-size:.83333333333333rem;display:none;}.entry-title{font-size:2.8em;}h1,.entry-content h1{font-size:3.4em;font-family:"Oswald",sans-serif;}h2,.entry-content h2{font-size:2.8em;font-family:"Oswald",sans-serif;}h3,.entry-content h3{font-size:2.3em;font-family:"Oswald",sans-serif;}h4,.entry-content h4{font-size:1.7em;}h5,.entry-content h5{font-size:1.3em;}h6,.entry-content h6{font-size:1.1em;}.ast-single-post .entry-title,.page-title{font-size:3.4em;}::selection{background-color:#21bcad;color:#000;}body,h1,.entry-title a,.entry-content h1,h2,.entry-content h2,h3,.entry-content h3,h4,.entry-content h4,h5,.entry-content h5,h6,.entry-content h6{color:#696f7a;}.tagcloud a:hover,.tagcloud a:focus,.tagcloud a.current-item{color:#000;border-color:#21bcad;background-color:#21bcad;}input:focus,input[type="text"]:focus,input[type="email"]:focus,input[type="url"]:focus,input[type="password"]:focus,input[type="reset"]:focus,input[type="search"]:focus,textarea:focus{border-color:#21bcad;}input[type="radio"]:checked,input[type=reset],input[type="checkbox"]:checked,input[type="checkbox"]:hover:checked,input[type="checkbox"]:focus:checked,input[type=range]::-webkit-slider-thumb{border-color:#21bcad;background-color:#21bcad;box-shadow:none;}.site-footer a:hover + .post-count,.site-footer a:focus + .post-count{background:#21bcad;border-color:#21bcad;}.single .nav-links .nav-previous,.single .nav-links .nav-next{color:#21bcad;}.entry-meta,.entry-meta *{line-height:1.45;color:#21bcad;}.entry-meta a:hover,.entry-meta a:hover *,.entry-meta a:focus,.entry-meta a:focus *,.page-links > .page-link,.page-links .page-link:hover,.post-navigation a:hover{color:#1ba39a;}.widget-title{font-size:25px;font-size:1.3888888888889rem;color:#696f7a;}#cat option,.secondary .calendar_wrap thead a,.secondary .calendar_wrap thead a:visited{color:#21bcad;}.secondary .calendar_wrap #today,.ast-progress-val span{background:#21bcad;}.secondary a:hover + .post-count,.secondary a:focus + .post-count{background:#21bcad;border-color:#21bcad;}.calendar_wrap #today > a{color:#000;}.page-links .page-link,.single .post-navigation a{color:#21bcad;}.main-header-menu .menu-link,.ast-header-custom-item a{color:#696f7a;}.main-header-menu .menu-item:hover > .menu-link,.main-header-menu .menu-item:hover > .ast-menu-toggle,.main-header-menu .ast-masthead-custom-menu-items a:hover,.main-header-menu .menu-item.focus > .menu-link,.main-header-menu .menu-item.focus > .ast-menu-toggle,.main-header-menu .current-menu-item > .menu-link,.main-header-menu .current-menu-ancestor > .menu-link,.main-header-menu .current-menu-item > .ast-menu-toggle,.main-header-menu .current-menu-ancestor > .ast-menu-toggle{color:#21bcad;}.header-main-layout-3 .ast-main-header-bar-alignment{margin-right:auto;}.header-main-layout-2 .site-header-section-left .ast-site-identity{text-align:left;}.site-logo-img img{transition:all .2s linear;}.ast-header-break-point .ast-mobile-menu-buttons-minimal.menu-toggle{background:transparent;color:#21bcad;}.ast-header-break-point .ast-mobile-menu-buttons-outline.menu-toggle{background:transparent;border:1px solid #21bcad;color:#21bcad;}.ast-header-break-point .ast-mobile-menu-buttons-fill.menu-toggle{background:#21bcad;color:#fff;}.ast-page-builder-template .hentry{margin:0;}.ast-page-builder-template .site-content > .ast-container{max-width:100%;padding:0;}.ast-page-builder-template .site-content #primary{padding:0;margin:0;}.ast-page-builder-template .no-results{text-align:center;margin:4em auto;}.ast-page-builder-template .ast-pagination{padding:2em;}.ast-page-builder-template .entry-header.ast-no-title.ast-no-thumbnail{margin-top:0;}.ast-page-builder-template .entry-header.ast-header-without-markup{margin-top:0;margin-bottom:0;}.ast-page-builder-template .entry-header.ast-no-title.ast-no-meta{margin-bottom:0;}.ast-page-builder-template.single .post-navigation{padding-bottom:2em;}.ast-page-builder-template.single-post .site-content > .ast-container{max-width:100%;}.ast-page-builder-template.single-post .site-content > .ast-container{max-width:100%;}.ast-page-builder-template .entry-header{margin-top:4em;margin-left:auto;margin-right:auto;padding-left:20px;padding-right:20px;}.ast-page-builder-template .ast-archive-description{margin-top:4em;margin-left:auto;margin-right:auto;padding-left:20px;padding-right:20px;}.ast-page-builder-template.ast-no-sidebar .entry-content .alignwide{margin-left:0;margin-right:0;}.single.ast-page-builder-template .entry-header{padding-left:20px;padding-right:20px;}.ast-page-builder-template.ast-no-sidebar .entry-content .alignwide{margin-left:0;margin-right:0;}.footer-adv .footer-adv-overlay{border-top-style:solid;border-top-color:#7a7a7a;}.wp-block-buttons.aligncenter{justify-content:center;}@media (max-width:782px){.entry-content .wp-block-columns .wp-block-column{margin-left:0px;}}@media (max-width:768px){.ast-separate-container .ast-article-post,.ast-separate-container .ast-article-single{padding:1.5em 2.14em;}.ast-separate-container #primary,.ast-separate-container #secondary{padding:1.5em 0;}#primary,#secondary{padding:1.5em 0;margin:0;}.ast-left-sidebar #content > .ast-container{display:flex;flex-direction:column-reverse;width:100%;}.ast-author-box img.avatar{margin:20px 0 0 0;}}@media (min-width:769px){.ast-separate-container.ast-right-sidebar #primary,.ast-separate-container.ast-left-sidebar #primary{border:0;}.search-no-results.ast-separate-container #primary{margin-bottom:4em;}}.menu-toggle,button,.ast-button,.ast-custom-button,.button,input#submit,input[type="button"],input[type="submit"],input[type="reset"]{color:#fff;border-color:#21bcad;background-color:#21bcad;border-radius:35px;padding-top:10px;padding-right:40px;padding-bottom:10px;padding-left:40px;font-family:inherit;font-weight:inherit;}button:focus,.menu-toggle:hover,button:hover,.ast-button:hover,.ast-custom-button:hover .button:hover,.ast-custom-button:hover,input[type=reset]:hover,input[type=reset]:focus,input#submit:hover,input#submit:focus,input[type="button"]:hover,input[type="button"]:focus,input[type="submit"]:hover,input[type="submit"]:focus{color:#fff;background-color:#1ba39a;border-color:#1ba39a;}@media (min-width:544px){.ast-container{max-width:100%;}}@media (max-width:544px){.ast-separate-container .ast-article-post,.ast-separate-container .ast-article-single,.ast-separate-container .comments-title,.ast-separate-container .ast-archive-description{padding:1.5em 1em;}.ast-separate-container #content .ast-container{padding-left:.54em;padding-right:.54em;}.ast-separate-container .ast-comment-list li.depth-1{padding:1.5em 1em;margin-bottom:1.5em;}.ast-separate-container .ast-comment-list .bypostauthor{padding:.5em;}.ast-search-menu-icon.ast-dropdown-active .search-field{width:170px;}}@media (max-width:768px){.ast-mobile-header-stack .main-header-bar .ast-search-menu-icon{display:inline-block;}.ast-header-break-point.ast-header-custom-item-outside .ast-mobile-header-stack .main-header-bar .ast-search-icon{margin:0;}.ast-comment-avatar-wrap img{max-width:2.5em;}.ast-separate-container .ast-comment-list li.depth-1{padding:1.5em 2.14em;}.ast-separate-container .comment-respond{padding:2em 2.14em;}.ast-comment-meta{padding:0 1.8888em 1.3333em;}}@media (min-width:545px){.ast-page-builder-template .comments-area,.single.ast-page-builder-template .entry-header,.single.ast-page-builder-template .post-navigation,.single.ast-page-builder-template .ast-single-related-posts-container{max-width:1400px;margin-left:auto;margin-right:auto;}}body,.ast-separate-container{background-color:#fff;}@media (max-width:768px){.widget-title{font-size:24px;font-size:1.4117647058824rem;}body,button,input,select,textarea,.ast-button,.ast-custom-button{font-size:17px;font-size:.94444444444444rem;}#secondary,#secondary button,#secondary input,#secondary select,#secondary textarea{font-size:17px;font-size:.94444444444444rem;}.site-title{font-size:1.6em;display:block;}.ast-archive-description .ast-archive-title{font-size:1.6em;}.site-header .site-description{display:none;}.entry-title{font-size:2.3em;}h1,.entry-content h1{font-size:2.6em;}h2,.entry-content h2{font-size:2.3em;}h3,.entry-content h3{font-size:2em;}h4,.entry-content h4{font-size:1.6em;}h5,.entry-content h5{font-size:1.3em;}h6,.entry-content h6{font-size:1.1em;}.ast-single-post .entry-title,.page-title{font-size:2.6em;}}@media (max-width:544px){.widget-title{font-size:22px;font-size:1.375rem;}body,button,input,select,textarea,.ast-button,.ast-custom-button{font-size:16px;font-size:.88888888888889rem;}#secondary,#secondary button,#secondary input,#secondary select,#secondary textarea{font-size:16px;font-size:.88888888888889rem;}.site-title{font-size:1.5em;display:block;}.ast-archive-description .ast-archive-title{font-size:1.5em;}.site-header .site-description{display:none;}.entry-title{font-size:2em;}h1,.entry-content h1{font-size:2.3em;}h2,.entry-content h2{font-size:2em;}h3,.entry-content h3{font-size:1.8em;}h4,.entry-content h4{font-size:1.5em;}h5,.entry-content h5{font-size:1.2em;}h6,.entry-content h6{font-size:1.1em;}.ast-single-post .entry-title,.page-title{font-size:2.3em;}}@media (max-width:544px){html{font-size:112.5%;}}@media (min-width:769px){.ast-container{max-width:1400px;}}@media (max-width:921px){.main-header-bar .main-header-bar-navigation{display:none;}}.ast-desktop .main-header-menu.submenu-with-border .sub-menu,.ast-desktop .main-header-menu.submenu-with-border .astra-full-megamenu-wrapper{border-color:#21bcad;}.ast-desktop .main-header-menu.submenu-with-border .sub-menu{border-top-width:2px;border-right-width:0px;border-left-width:0px;border-bottom-width:0px;border-style:solid;}.ast-desktop .main-header-menu.submenu-with-border .sub-menu .sub-menu{top:-2px;}.ast-desktop .main-header-menu.submenu-with-border .sub-menu .menu-link,.ast-desktop .main-header-menu.submenu-with-border .children .menu-link{border-bottom-width:0px;border-style:solid;border-color:#eaeaea;}@media (min-width:769px){.main-header-menu .sub-menu .menu-item.ast-left-align-sub-menu:hover > .sub-menu,.main-header-menu .sub-menu .menu-item.ast-left-align-sub-menu.focus > .sub-menu{margin-left:-0px;}}.ast-header-break-point.ast-header-custom-item-inside .main-header-bar .main-header-bar-navigation .ast-search-icon{display:none;}.ast-header-break-point.ast-header-custom-item-inside .main-header-bar .ast-search-menu-icon .search-form{padding:0;display:block;overflow:hidden;}.ast-header-break-point .ast-header-custom-item .widget:last-child{margin-bottom:1em;}.ast-header-custom-item .widget{margin:.5em;display:inline-block;vertical-align:middle;}.ast-header-custom-item .widget p{margin-bottom:0;}.ast-header-custom-item .widget li{width:auto;}.ast-header-custom-item-inside .button-custom-menu-item .menu-link{display:none;}.ast-header-custom-item-inside.ast-header-break-point .button-custom-menu-item .ast-custom-button-link{display:none;}.ast-header-custom-item-inside.ast-header-break-point .button-custom-menu-item .menu-link{display:block;}.ast-header-break-point.ast-header-custom-item-outside .main-header-bar .ast-search-icon{margin-right:1em;}.ast-header-break-point.ast-header-custom-item-inside .main-header-bar .ast-search-menu-icon .search-field,.ast-header-break-point.ast-header-custom-item-inside .main-header-bar .ast-search-menu-icon.ast-inline-search .search-field{width:100%;padding-right:5.5em;}.ast-header-break-point.ast-header-custom-item-inside .main-header-bar .ast-search-menu-icon .search-submit{display:block;position:absolute;height:100%;top:0;right:0;padding:0 1em;border-radius:0;}.ast-header-break-point .ast-header-custom-item .ast-masthead-custom-menu-items{padding-left:20px;padding-right:20px;margin-bottom:1em;margin-top:1em;}.ast-header-custom-item-inside.ast-header-break-point .button-custom-menu-item{padding-left:0;padding-right:0;margin-top:0;margin-bottom:0;}.astra-icon-down_arrow::after{content:"";font-family:Astra;}.astra-icon-close::after{content:"";font-family:Astra;}.astra-icon-drag_handle::after{content:"";font-family:Astra;}.astra-icon-format_align_justify::after{content:"";font-family:Astra;}.astra-icon-menu::after{content:"";font-family:Astra;}.astra-icon-reorder::after{content:"";font-family:Astra;}.astra-icon-search::after{content:"";font-family:Astra;}.astra-icon-zoom_in::after{content:"";font-family:Astra;}.astra-icon-check-circle::after{content:"";font-family:Astra;}.astra-icon-shopping-cart::after{content:"";font-family:Astra;}.astra-icon-shopping-bag::after{content:"";font-family:Astra;}.astra-icon-shopping-basket::after{content:"";font-family:Astra;}.astra-icon-circle-o::after{content:"";font-family:Astra;}.astra-icon-certificate::after{content:"";font-family:Astra;}.ast-breadcrumbs .trail-browse,.ast-breadcrumbs .trail-items,.ast-breadcrumbs .trail-items li{display:inline-block;margin:0;padding:0;border:none;background:inherit;text-indent:0;}.ast-breadcrumbs .trail-browse{font-size:inherit;font-style:inherit;font-weight:inherit;color:inherit;}.ast-breadcrumbs .trail-items{list-style:none;}.trail-items li::after{padding:0 .3em;content:"»";}.trail-items li:last-of-type::after{display:none;}.elementor-widget-heading .elementor-heading-title{margin:0;}.elementor-post.elementor-grid-item.hentry{margin-bottom:0;}.woocommerce div.product .elementor-element.elementor-products-grid .related.products ul.products li.product,.elementor-element .elementor-wc-products .woocommerce[class*='columns-'] ul.products li.product{width:auto;margin:0;float:none;}.ast-left-sidebar .elementor-section.elementor-section-stretched,.ast-right-sidebar .elementor-section.elementor-section-stretched{max-width:100%;left:0 !important;}.elementor-template-full-width .ast-container{display:block;}.ast-header-break-point .main-header-bar{border-bottom-width:1px;}@media (min-width:769px){.main-header-bar{border-bottom-width:1px;}}.ast-safari-browser-less-than-11 .main-header-menu .menu-item,.ast-safari-browser-less-than-11 .main-header-bar .ast-masthead-custom-menu-items{display:block;}.main-header-menu .menu-item,#astra-footer-menu .menu-item,.main-header-bar .ast-masthead-custom-menu-items{-js-display:flex;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-moz-box-pack:center;-ms-flex-pack:center;justify-content:center;-webkit-box-orient:vertical;-webkit-box-direction:normal;-webkit-flex-direction:column;-moz-box-orient:vertical;-moz-box-direction:normal;-ms-flex-direction:column;flex-direction:column;}.main-header-menu > .menu-item > .menu-link,#astra-footer-menu > .menu-item > .menu-link,{height:100%;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center;-js-display:flex;display:flex;}.ast-primary-menu-disabled .main-header-bar .ast-masthead-custom-menu-items{flex:unset;}.main-header-menu .sub-menu .menu-item.menu-item-has-children > .menu-link:after{position:absolute;right:1em;top:50%;transform:translate(0,-50%) rotate(270deg);}.ast-header-break-point .main-header-bar .main-header-bar-navigation .page_item_has_children > .ast-menu-toggle::before,.ast-header-break-point .main-header-bar .main-header-bar-navigation .menu-item-has-children > .ast-menu-toggle::before,.ast-mobile-popup-drawer .main-header-bar-navigation .menu-item-has-children>.ast-menu-toggle::before,.ast-header-break-point .ast-mobile-header-wrap .main-header-bar-navigation .menu-item-has-children > .ast-menu-toggle::before{font-weight:bold;content:"";font-family:Astra;text-decoration:inherit;display:inline-block;}.ast-header-break-point .main-navigation ul.sub-menu .menu-item .menu-link:before{content:"";font-family:Astra;font-size:.65em;text-decoration:inherit;display:inline-block;transform:translate(0,-2px) rotateZ(270deg);margin-right:5px;}.widget_search .search-form:after{font-family:Astra;font-size:1.2em;font-weight:normal;content:"";position:absolute;top:50%;right:15px;transform:translate(0,-50%);}.astra-search-icon::before{content:"";font-family:Astra;font-style:normal;font-weight:normal;text-decoration:inherit;text-align:center;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}.main-header-bar .main-header-bar-navigation .page_item_has_children > a:after,.main-header-bar .main-header-bar-navigation .menu-item-has-children > a:after,.site-header-focus-item .main-header-bar-navigation .menu-item-has-children > .menu-link:after{content:"";display:inline-block;font-family:Astra;font-size:.6rem;font-weight:bold;text-rendering:auto;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin-left:10px;line-height:normal;}.ast-mobile-popup-drawer .main-header-bar-navigation .ast-submenu-expanded>.ast-menu-toggle::before{transform:rotateX(180deg);}.ast-header-break-point .main-header-bar-navigation .menu-item-has-children > .menu-link:after{display:none;}.acpwd-added-excerpt{}.acpwd-info-message{}.acpwd-form{}.acpwd-pass{}.acpwd-submit{}.acpwd-error-message{color:darkred;}.no-js img.lazyload{display:none;}figure.wp-block-image img.lazyloading{min-width:150px;}.lazyload,.lazyloading{opacity:0;}.lazyloaded{opacity:1;transition:opacity 400ms;transition-delay:0ms;}h1{line-height:1.2 !important;}h2{line-height:1.2 !important;}h3{line-height:1.3 !important;}h4{line-height:1.4 !important;}h5{line-height:1.5 !important;}h6{line-height:1.6 !important;}p:last-child{margin-bottom:0 !important;}