Enjoy the Journey

GCC: We first met Bob and family at an expensive import coffee shop (aka Starbucks) in Osaka, Japan, where we enjoyed some tasty treats as a globetrotting respite. So clearly this was after they had found balance and inner peace :) Check out this personal story from the trenches of hard saving, and the important reminder to enjoy the journey.

Lately, Financial Independence Retire Early (FIRE) is getting a lot of attention. The concept is literally spreading like a wild fire as more main stream medias are publishing FIRE related stories. This is certainly true for Jeremy and Winnie, as their story has appeared on many different media outlets.

The core concept of FIRE is simple – Increase your savings rate by decreasing expenses and increasing income. Invest the savings in appreciating assets. Once these assets produce sufficient passive income to cover your expenses, you are financially independent. You can retire early if you choose.

Although my dad retired from full time work when he was 43, my wife and I didn’t fully grasp the key benefits of financial independence (FI) until 2010. After reading many personal finance and investing books and blogs, we began to take charge of our own finances. We simplified our investments and learned to take advantage of the tax-free and tax-deferred accounts.

We are now 8 years into our own FIRE journey. Thanks to our passive income streams, various side hustles, and our house in the hot metro Vancouver housing market, we can be financially independent today if we choose to. We also feel blessed that we could retire today if we wished to. But we realized that we have more to do than just be ready financially.


Welcome First Time Visitors

Welcome to Go Curry Cracker!

We thought it would be helpful to have a brief introduction to help get you started

The Blog

We are Jeremy & Winnie, a husband and wife team who retired in our 30’s to travel the world.

On our blog we share how we were able to become both financially independent and location independent at a relatively young age, and use that freedom to do whatever we want, whenever we want.

We will often geek out on saving and investment strategies, tax optimization, and travel hacking, while mixing in stories of life, travel, and food

Who doesn’t want to Retire 20% Faster or Never Pay Taxes Again?

Winnie is a professionally trained photographer, and her carefully crafted images help tie it all together

Our story

We did unconventional things while working, such as live in a small apartment in a walkable neighborhood instead of a big house in the suburbs, using a bicycle and our own feet to get around instead of owning a car, and making most of our meals in our own kitchen (even our own bread.)

This allowed us save an increasing percentage of our income, more than 70% for about 10 years until we were able to live completely off income generated by our investments

When we first retired, we had grand ambitions to tour all of Latin America, Europe, and Asia in one monumental journey, but then…

…then we realized, “What’s the rush?!”  We have 60 years to complete our journey (or not.)  There is no competition to check off a list of countries we’ve visited or places we’ve been (although we’ve been to ~40 countries to date)

So we traveled (very) slowly, immersing ourselves in local language and culture

Definitely not a backpacker lifestyle, we’ve rented places with a private pool, dine in restaurants 2 or 3 times a day, and had great adventures such as swimming with whale sharks.  All of this luxurious living costs a whole lot less than you would think, which is why we share every penny we spend

When we decided we were ready to have a baby, we used our location independence for Medical Tourism, undergoing IVF treatments at 80% off US prices

We are expecting GCCjr any day now.  When he is about 6 months old and ready to don his own little backpack, we will hit the road once again

Thank you for stopping by.  We hope you like what you see

Questions?  Ask away

Jeremy & Winnie

The World’s Smartest Toilet

Toto Neorest 500

Toto Neorest 500

It was 20 years ago (today?), on my first trip to Japan that I first happened upon a bathroom fixture with an intelligence that exceeded my own

Granted, that isn’t all that impressive of an accomplishment, but after using the latest generation product in our new Taipei apartment I’m convinced the gap has grown

The things these toilets are capable of is truly incredible