Percolate Your Portfolio

(GCC: A few years ago at FinCon, I had a chat with a fiery young woman whose dream was to save just enough $ to leave the corporate world. “I’m going to front load 100% of my retirement savings and then just let it percolate while I pursue other interests.” I loved the idea and the gumption. Fast forward to today: mission accomplished!)

My name is Gwen. I’m 27 years old, and even if I never save another penny I will enjoy a comfortable standard retirement. How did I manage that? I’m glad you asked!

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Explore. Dream. Discover.

Where will you go today?

GCC: When we were planning our own early retirement we had the good fortune to meet with people who had already blazed that trail. It was insanely beneficial, and I told myself I would always pay it forward. So when this young Canadian couple emailed to ask if we could meet to share all of our best life secrets (not that we have any), of course we said yes. Fast forward a few years now, and they’ve gone from nascent early retirees with an abundance of vim and vigor into a full on Millennial Revolution.

“Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbour. Catch the trade winds in your sails. Explore. Dream. Discover. –Mark Twain.”

This is the quote I copied into my final work e-mail. It was May 2015, I had given my notice, made up some bullshit excuse about taking a gap year to travel the world and “find myself”, and this was my sign-off to a company I’d given the last 9 years of my life to. But I wasn’t really quitting to travel the world for a year. I was walking out of the corporate world FOREVER.

At the age of 32, my husband and I were retiring with a Million dollar portfolio, enough by the 4% rule to sustain our $40K/year living expenses indefinitely.

But I didn’t tell my co-workers that. They’d find out about it more than a year later, on the front page of the country’s most read newspaper.

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Be the Bank

“You should be a Real Estate Tycoon,” they said. “There is good money to be made.”

Me: No, I’m super lazy, and I don’t want more work.

“The only thing better than being a Property Mogul is being a bank,” they said. “It’s totally passive.”

Me: OK, I’ll give it a try. What could go wrong?

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Trip Planning

“How do you plan extended trips through multiple countries?” is a question we get often.

Sometimes people even ask us to plan their trip for them… which I’m happy to do for a nominal 200% commission.

For those who are less brazen or aren’t into paying triple, I can do the next best thing… here are the process and the tools that we use to plan and organize our extensive travel.

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