Our Family’s Annual Spend for 2022

This post outlines our family’s annual spend for 2022. This is for a family of 3 in Cork, Ireland. For longer time followers, I know it’s been a while 🙂 – I will be posting some big life updates soon so stay tuned. In the meantime, see below the details of our spending from last … Read more

We’re mortgage-free!…technically

Last month, when doing up our net worth tracker, I realised we are technically mortgage free! The correct term is mortgage neutral, meaning we now have more in liquid investments (non-retirement accounts) than we have left on our mortgage. I feel incredibly blessed and thankful to be in this position. Looking back at the 9 … Read more

Irish used car buying guide

We recently upgraded our 2005 Toyota Vitz/Yaris for a 2012 Honda Fit/Jazz. Here is my Irish used car buying guide on how we went about researching and selecting our “new” car. This guide is for people looking to get from A-B for as little effort and money as possible. Do you really need a car? … Read more

Are my investments secure?

Well hello again, it’s been a while. I hope you had a nice summer and have been enjoying getting to see loved ones again. I took a bit of an unplanned break from the blog and have been busy knocking things off my personal to-do list. Of note: I submitted my citizenship application! we finished … Read more

How to feel better about paying taxes

Delve into the world of investments and financial independence and it won’t be long before you come across mention of tax efficiency and legal ways to avoid taxes, and perhaps even illegal ways if you look long enough. I have researched these topics endlessly myself trying to find the most tax-effective path to financial independence … Read more

Client Consult: Technically FI but still earning, not sure where to put our money

This post is about a family of 5 that moved to Ireland from the US on a critical worker visa. The couple is technically already financially independent but need to work to satisfy their visa. They reached out to get some comfort on their cross border investment strategy with the additional income.