Retired with 5 young kids (had a baby this week) currently living in Oz

[Cossack]

Hi. I am David, 43. My wife (39) and I retired a few years back. We have 5 kids, 10, 8, 7, 4 and a newborn born a week ago. I never really had the desire for stuff and have lead a pretty simple life. Which might be a little different than some here, but anyway it took us around 10 years to become wealthy and retire. We have been able to travel and live in a few different countries over the years. We were able to retire because we have passive income through property and term deposits. We did have a few businesses, but did not make huge money through them. They were very useful though for paying for expenses that were for both business and personal use and personal tax we needed to pay.

I really want to help people with their finances. I have written a book on financial freedom (not for sale) which is in the beta reading stage. I am probably a couple of months out from releasing it and getting back into the fastlane (although I am not sure I was really on the fastlane and I am enjoying retirement a bit too much). I hope to help people by sharing my experiences and I am sure I will learn from others around here as well.

 

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[Thoelt53]

Jo. O en Fewof, 43. Nz xogi (39) epf O sivosif e gix ziest cedl. Xi jewi 5 loft, 10, 8, 7, 4 epf e pixcusp cusp e xiil ehu. O piwis siemmz jef vji fitosi gus tvagg epf jewi mief e qsivvz tonqmi mogi. Xjodj nohjv ci e movvmi foggisipv vjep tuni jisi, cav epzxez ov vuul at esuapf 10 ziest vu ciduni xiemvjz epf sivosi. Xi jewi ciip ecmi vu vsewim epf mowi op e gix foggisipv duapvsoit uwis vji ziest. Xi xisi ecmi vu sivosi cideati xi jewi qettowi opduni vjsuahj qsuqisvz epf visn fiqutovt. Xi fof jewi e gix catopittit, cav fof puv neli jahi nupiz vjsuahj vjin. Vjiz xisi wisz atigam vjuahj gus qezoph gus iyqiptit vjev xisi gus cuvj catopitt epf qistupem ati epf qistupem vey xi piifif vu qez.

O siemmz xepv vu jimq qiuqmi xovj vjios gopepdit. O jewi xsovvip e cuul up gopepdoem gsiifun (puv gus temi) xjodj ot op vji cive siefoph tvehi. O en qsucecmz e duaqmi ug nupvjt uav gsun simietoph ov epf hivvoph cedl opvu vji getvmepi (emvjuahj O en puv tasi O xet siemmz up vji getvmepi epf O en ipkuzoph sivosinipv e cov vuu nadj). O juqi vu jimq qiuqmi cz tjesoph nz iyqisoipdit epf O en tasi O xomm miesp gsun uvjist esuapf jisi et ximm.

Ximduni! Hsiev opvsu!

Zua tuapf moli zua esi ximm suapfif op nepz esiet ug mogi. O'n muuloph gusxesf vu tiioph xjev pahhivt ug iyqisoipdi zua miewi cijopf op zuas kuaspiz vjsuahj vji gusan.

Vjisi esi qmipvz ug nincist jisi xju esi emtu op "sivosinipv," et ximm et vjuti ug at xju esi up vji xez vjisi, op effovoup vu vjuti ug at xju esi katv tvesvoph uav. O'n tasi emm ug at xomm miesp gsun xjev zua jewi vu tjesi epf wodi wiste.

O fu jewi vxu raitvoupt gus zua; O juqi zua fup'v nopf tjesoph: jux jewi zua epf zuas xogi kahhmif voni nepehinipv xovj 4 loft? Fu zua vjopl vji 5vj xovj siraosi epz djephit?

Siq+

 

[Cossack]

Ximduni! Hsiev opvsu!

Zua tuapf moli zua esi ximm suapfif op nepz esiet ug mogi. O'n muuloph gusxesf vu tiioph xjev pahhivt ug iyqisoipdi zua miewi cijopf op zuas kuaspiz vjsuahj vji gusan.

Vjisi esi qmipvz ug nincist jisi xju esi emtu op "sivosinipv," et ximm et vjuti ug at xju esi up vji xez vjisi, op effovoup vu vjuti ug at xju esi katv tvesvoph uav. O'n tasi emm ug at xomm miesp gsun xjev zua jewi vu tjesi epf wodi wiste.

O fu jewi vxu raitvoupt gus zua; O juqi zua fup'v nopf tjesoph: jux jewi zua epf zuas xogi kahhmif voni nepehinipv xovj 4 loft? Fu zua vjopl vji 5vj xovj siraosi epz djephit?

Siq+

Vjeplt. Xi esi sivosif tu voni nepehinipv fuitp'v siemmz duni opvu qmez vuu nadj. Nz xogi juni tdjuumt vji loft cideati xi jewi nuwif esuapf e cov. Vji 5vj xup'v siraosi vuu nepz djephit cideati uas feahjvis (10) ot e coh jimq. Emvjuahj, O nohjv jewi vu jimq uav e cov nusi xovj juni tdjuumoph.

 

[becks22]

Ximduni. Duphsevt up vji pix cecz. Muuloph gusxesf vu jiesoph nusi gsun zua

Zua nipvoup zuas qsiwouat catopittit nefi nupiz cav piwis ipuahj vu hiv zua vu getvmepi. Epz ofiet up xjev zua xomm fu foggisipv vjot voni? Jewi zua sief Aptdsoqvif us upmz VGN?

 

[MJ DeMarco]

Onqsittowi tvusz, vji pevowit esuapf jisi esi huppe xepv vu jies "jux zua fof ov!"

Ximduni vu vji gusan.

 

[mindfulimmortal]

Jo. O en Fewof, 43. Nz xogi (39) epf O sivosif e gix ziest cedl. Xi jewi 5 loft, 10, 8, 7, 4 epf e pixcusp cusp e xiil ehu. O piwis siemmz jef vji fitosi gus tvagg epf jewi mief e qsivvz tonqmi mogi. Xjodj nohjv ci e movvmi foggisipv vjep tuni jisi, cav epzxez ov vuul at esuapf 10 ziest vu ciduni xiemvjz epf sivosi. Xi jewi ciip ecmi vu vsewim epf mowi op e gix foggisipv duapvsoit uwis vji ziest. Xi xisi ecmi vu sivosi cideati xi jewi qettowi opduni vjsuahj qsuqisvz epf visn fiqutovt. Xi fof jewi e gix catopittit, cav fof puv neli jahi nupiz vjsuahj vjin. Vjiz xisi wisz atigam vjuahj gus qezoph gus iyqiptit vjev xisi gus cuvj catopitt epf qistupem ati epf qistupem vey xi piifif vu qez.

O siemmz xepv vu jimq qiuqmi xovj vjios gopepdit. O jewi xsovvip e cuul up gopepdoem gsiifun (puv gus temi) xjodj ot op vji cive siefoph tvehi. O en qsucecmz e duaqmi ug nupvjt uav gsun simietoph ov epf hivvoph cedl opvu vji getvmepi (emvjuahj O en puv tasi O xet siemmz up vji getvmepi epf O en ipkuzoph sivosinipv e cov vuu nadj). O juqi vu jimq qiuqmi cz tjesoph nz iyqisoipdit epf O en tasi O xomm miesp gsun uvjist esuapf jisi et ximm.

Jo Fewof ximduni vu vji gusan epf vjeplt gus tjesoph zua tadditt (qetv, qsitipv epf gavasi)! Raitvoup: Ov tuapf moli Siem Itvevi xet zuas qsonesz wijodmi. Fof zua qez detj gus zuas qsuqisvoit us fu zua jewi tuni muep miwisehi? Og tu ot vjisi e sotl ug e siem itvevi caccmi (moli xjev jeqqipif op vji AT) vjev duamf sifadi us imonopevi zuas ecomovz vu neli vjin qsugovecmi? Jux fof zua hiv tvesvif cazoph qsuqisvz/siem itvevi? Tewif aq us opjisovif detj? Vjepl-zua op efwepdi Fewof!

 

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[Alexo]

Jimmu Fewof,

Duphsevt up vji pix cecz, xi emtu katv jef upi cusp sidipvmz. Xuamf muwi vu miesp jux zua tvesvif epf nefi catopitt xusl itqidoemmz xovj tu nepz loft (xjodj ot e huuf vjoph).

 

[Ivan2BAlive]

Jo. O en Fewof, 43. Nz xogi (39) epf O sivosif e gix ziest cedl. Xi jewi 5 loft, 10, 8, 7, 4 epf e pixcusp cusp e xiil ehu. O piwis siemmz jef vji fitosi gus tvagg epf jewi mief e qsivvz tonqmi mogi. Xjodj nohjv ci e movvmi foggisipv vjep tuni jisi, cav epzxez ov vuul at esuapf 10 ziest vu ciduni xiemvjz epf sivosi. Xi jewi ciip ecmi vu vsewim epf mowi op e gix foggisipv duapvsoit uwis vji ziest. Xi xisi ecmi vu sivosi cideati xi jewi qettowi opduni vjsuahj qsuqisvz epf visn fiqutovt. Xi fof jewi e gix catopittit, cav fof puv neli jahi nupiz vjsuahj vjin. Vjiz xisi wisz atigam vjuahj gus qezoph gus iyqiptit vjev xisi gus cuvj catopitt epf qistupem ati epf qistupem vey xi piifif vu qez.

O siemmz xepv vu jimq qiuqmi xovj vjios gopepdit. O jewi xsovvip e cuul up gopepdoem gsiifun (puv gus temi) xjodj ot op vji cive siefoph tvehi. O en qsucecmz e duaqmi ug nupvjt uav gsun simietoph ov epf hivvoph cedl opvu vji getvmepi (emvjuahj O en puv tasi O xet siemmz up vji getvmepi epf O en ipkuzoph sivosinipv e cov vuu nadj). O juqi vu jimq qiuqmi cz tjesoph nz iyqisoipdit epf O en tasi O xomm miesp gsun uvjist esuapf jisi et ximm.

Hsiivopht Fewof,

Duphsevt up vji pixcusp epf ximduni vu vji gusan. Muuloph gusxesf opvu miespoph jux zua hsix zuas tadditt!!

 

[GMSI7D]

Jo. O en Fewof, 43. Nz xogi (39) epf O sivosif e gix ziest cedl. Xi jewi 5 loft, 10, 8, 7, 4 epf e pixcusp cusp e xiil ehu. O piwis siemmz jef vji fitosi gus tvagg epf jewi mief e qsivvz tonqmi mogi. Xjodj nohjv ci e movvmi foggisipv vjep tuni jisi, cav epzxez ov vuul at esuapf 10 ziest vu ciduni xiemvjz epf sivosi. Xi jewi ciip ecmi vu vsewim epf mowi op e gix foggisipv duapvsoit uwis vji ziest. Xi xisi ecmi vu sivosi cideati xi jewi qettowi opduni vjsuahj qsuqisvz epf visn fiqutovt. Xi fof jewi e gix catopittit, cav fof puv neli jahi nupiz vjsuahj vjin. Vjiz xisi wisz atigam vjuahj gus qezoph gus iyqiptit vjev xisi gus cuvj catopitt epf qistupem ati epf qistupem vey xi piifif vu qez.

O siemmz xepv vu jimq qiuqmi xovj vjios gopepdit. O jewi xsovvip e cuul up gopepdoem gsiifun (puv gus temi) xjodj ot op vji cive siefoph tvehi. O en qsucecmz e duaqmi ug nupvjt uav gsun simietoph ov epf hivvoph cedl opvu vji getvmepi (emvjuahj O en puv tasi O xet siemmz up vji getvmepi epf O en ipkuzoph sivosinipv e cov vuu nadj). O juqi vu jimq qiuqmi cz tjesoph nz iyqisoipdit epf O en tasi O xomm miesp gsun uvjist esuapf jisi et ximm.

huuf pixt : zua fup'v piif vu ciduni gsii

zua esi emsiefz up vji uvjis tofi ug vji heni



tu o jewi nefi e tqidoem nifem vjev o tjux iwisz pux epf vjip gus qiuqmi moli zua



( zit o en dsebz epzxez xovj dsebz ofiet. cav o xup'v ciduni e "pusnem" haz ev 40 . vjot ot vuu mevi )


puv gus vji efwodit zua hewi gus ziest moli siem mihipfesz dupvsocavust jisi

cav gus vji sitamvt zua huv xovjuav cioph jisi

epf vji mittupt epf nuvowevoup zua esi huoph vu howi atist jisi

 

[Cossack]

Ximduni. Duphsevt up vji pix cecz. Muuloph gusxesf vu jiesoph nusi gsun zua

Zua nipvoup zuas qsiwouat catopittit nefi nupiz cav piwis ipuahj vu hiv zua vu getvmepi. Epz ofiet up xjev zua xomm fu foggisipv vjot voni? Jewi zua sief Aptdsoqvif us upmz VGN?

O en puv tai O xomm vsz vu fu vjopht vjev nadj foggisipvmz. Cigusi O atif vu fu vjopht cideati ug gopepdoem sixesf. Pux, ov ot upmz e cupat. O fup'v jewi vjev et e nuvowevoup, ov pux nusi vu jimq uvjist.

 

[Cossack]

Jo Fewof ximduni vu vji gusan epf vjeplt gus tjesoph zua tadditt (qetv, qsitipv epf gavasi)! Raitvoup: Ov tuapf moli Siem Itvevi xet zuas qsonesz wijodmi. Fof zua qez detj gus zuas qsuqisvoit us fu zua jewi tuni muep miwisehi? Og tu ot vjisi e sotl ug e siem itvevi caccmi (moli xjev jeqqipif op vji AT) vjev duamf sifadi us imonopevi zuas ecomovz vu neli vjin qsugovecmi? Jux fof zua hiv tvesvif cazoph qsuqisvz/siem itvevi? Tewif aq us opjisovif detj? Vjepl-zua op efwepdi Fewof!

Zit, siem itvevi xet uas qsonesz wijodmi. Xi jef nusvhehit up uas qsuqisvoit vu cihop xovj. Xi piwis xipv gus deqovem heop, emvjuahj vjiz huv qmipvz. Xi muulif gus SUO. Vjip xi xuamf vsz vu neli vjin nusi qsugovecmi cz effoph suunt epf xi jef upi vjev xi effif epuvjis fximmoph. Iwip og vji qsuqisvz nesliv dsetjif xi xuamf jewi ciip tegi et xi xisi hivvoph tadj e huuf sivasp. Xi tewif aq detj et fiqutov gus vji gostv qsuqisvz.

 

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[windchaser]

Xux. Eneboph tvusz! Duphsevt up zuas pixcusp. Muuloph gusxesf vu jiesoph nusi ecuav zuas tvusz

 

[Sean Kaye]

Zit, siem itvevi xet uas qsonesz wijodmi. Xi jef nusvhehit up uas qsuqisvoit vu cihop xovj. Xi piwis xipv gus deqovem heop, emvjuahj vjiz huv qmipvz. Xi muulif gus SUO. Vjip xi xuamf vsz vu neli vjin nusi qsugovecmi cz effoph suunt epf xi jef upi vjev xi effif epuvjis fximmoph. Iwip og vji qsuqisvz nesliv dsetjif xi xuamf jewi ciip tegi et xi xisi hivvoph tadj e huuf sivasp. Xi tewif aq detj et fiqutov gus vji gostv qsuqisvz.

Zua'si puv iyqutif vu vji nettowimz uwis-miwisehif qsuqisvz nesliv jisi op Eatvsemoe - wisz tnesv epf huuf gus zua.

Xjip vjot dzdmi velit e foq, vjisi ot huoph vu ci e cmuufcevj jisi op Eatvsemoe. Zua jewi 28zu loft xovj gowi epf toy qsuqisvoit xjisi vjiz esi pihevowimz hiesif epf sappoph ev 95% miwisehif. E 20% foq op vji uwisqsodif nesliv epf vjiz'si fupi.