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Hello, we are Tony and Cat.

We are a pair of non-millennials in tech careers on a path to financial independence. Generationally, we’re at the older end of GenX, so we are close enough to retirement age that it won’t be particularly early in FIRE terms. We started on this path later than many, but we’re incorporating FIRE principles in our philosophy and approach to spending, saving, investment, and problem solving.

This blog tells the story of our journey from the financial disaster of 2008 to our planned financial independence. We have divided this up into 4 sections:

Section 1: 2008 – 2011  Disaster

Section 2: 2011 – 2015  Rebuilding

Section 3: 2015 – 2018  Course Correction

Section 4: 2018 +  The Sprint to FI

The sections on Disaster and Rebuilding set the scene for the life changes we made in Course Correction and The Sprint to FI. If you’d like to read a firsthand account of recession-related bankruptcy and foreclosure, check out Sections 1 and 2. If you want to head right for the FIRE stuff, then Sections 3 & 4 are for you.

We aren’t holding much back here, despite having done some things in the past that we’re not proud of. We hope that by putting ourselves out there, others will know that they are not alone, and perhaps some of the things we did can help you.

Over the course of writing this blog, we:

  • Lost over half our income (2008)
  • Declared bankruptcy (2010)
  • Lost our home to foreclosure (2011)
  • Had a car voluntarily repossessed (2011)
  • Incurred more debt (2014/15)
  • Intentionally downsized (2017)
  • Moved across the country (2018)
  • Got out of debt (2018)
  • Have built a net worth of just over $0.5M (EOY 2019)

… and all of this in just over ten years. We are on track to both be fully retired by the time we reach age 60, which for Cat is 3 years and for me, 6 years.