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Awesome my friend - thanks for the game and the chat - very enjoyable - See you on the Cashflow battlefield!

Thank you so much for the "coffees" Geoff - I really appreciate it and not expected but thank you. Obviously it's not about the money for me, more to hopefully help others on their journeys and hopefully show what is possible. In the next release (I'm burnt out after that effort at the moment), I'll look at adding in an "inflation" type field. There is a workaround for the other major events (which is not exactly pretty), but it's to create another plan from another point in time to add in those major financial changes starting from a certain point in time. Not exactly ideal, but it is an option at this stage. I'll need some time to see how I might be able to add it in with your suggestions - no guarantees! Any future releases/versions will be utilizing the same link to the public Google Drive location and will likely be version 1.01, 1.02 etc ... I really appreciate the feedback - thank you once again :)

Are you able to send me a screenshot or have a quick video chat? Not something I've seen but may be able to fix it? Email address is on our TH-cam "About" section ...

Cheers Phil - you too. The US rate cut made a nice boost to the balance yesterday :)

Certainly did, lately I have been focusing on “income investing” in the US market, I will still keep my dividend growth companies, I think at my age the income strategy should work better for FIRE

I didn't put one in because I wanted to show the "today's" dollar amount down the track. I'll consider adding it in for the next release (which will be located at the same public folder). I did find a couple of small glitches as well which I'll fix on the next version in a couple of weeks but purely cosmetic. Thanks for the feedback :)

Hiya - We do have a small amount of US shares via Tiger Brokers. Focusing on the NZ market at the moment as I don't fully comprehend the foreign investment fund (FIF) rules for tax purposes yet. We don't buy US stocks via Sharesies due to high foreign exchange fees, general buy/sell fees where Tiger Brokers is cheaper. Also it will break my app! Once we hit $100k we'll revise our investment strategy. Thanks for commenting :)

Thanks. I think the NZ market is well overdue for a good run so looks real good for the rest of this year and 2025. Good luck in getting to 100k. They say the next 100k is a lot easier.

@@MarkSeth-w7l - Yes, the NZX has been flat since we started this portfolio. The good news is my personal portfolio is almost at the same amount as my wife's so we're going to have 2 portfolio's up to 100k (middle of next year) and then maybe have a break for a month or two and finally spend some money - Getting rich slow is just that but it will pay off ;)

Individual stock picking and only investing in NZ sharemarket which is so small - could be why you are not getting 10% returns. Why not invest in global index funds? Have you checked out The Happy Saver (Ruth who lives in the South Island). Also check out Rebel Finance School (UK based but with lots of NZ content).

After the drop from early August it's recovered already. With the OCR getting cut things are even better! The last 2 days have been magnificent!

Yes! Mortgage free and no debt. A great way to live!

Denise is getting sick today :(

Thank you! Will do!

Your wish is our command! :)

Yep - if I got it through investment income then I would spend it, and if I didn't need it I would reinvest it :)

Yes - building nicely :)

All good - hopefully it makes some kind of sense! My findings are that you or me will need quite a substantial amount of additional income (ideally investment income) in order to decrease the tax burden and make this work. We'll see!

Here's hoping! The market has been flat over here for the last 3 months but it comes in spurts and waves. It's about time for another growth spurt! :)

@@ProjectFrugal April was terrible but May & June has been amazing for tech growth stocks.

@@OurRetireEarlyJourney - We've got a modest amount in the US500 - no individual tech stocks however. Glad it's working well for you :)

Awesome! Sounds like you're on the right path but it is a slow path but so so worth it in the end. We put the real numbers in the video as we've got nothing to hide and we thought it might give people better context of a real life Kiwi situation on an average income. Very limited travel for us over that time :(

People dont understand that the prices of things are never going back down. This inflation is deeper than we think. Those buying groceries are well aware that the real inflation is much over 10%. The increments dont match our income, yet certain investors still earn over $365,000 in stocks and assets. Wish I could accomplish that.

Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things

Is that in expired Belarusian rubles or Zimbabwe dollars?

Awesome job Kristie! We were late starters to "getting things sorted". You must be so excited! It's a great milestone to achieve especially for someone so young. Well done! :)

Thanks Phil - 7 to 8 years is not far away. Keep going hard! :)

I think you'll enjoy our next video which is scheduled for 4pm today :)

We've got another video coming out Sunday that shows our 10 year financial journey to date which ties into this video (with real numbers as well including income). We hold nothing back. Make sure you check it out :)

Good stuff Katie! Hopefully this quiz will give you some food for thought :)

Then in theory you're a yes for the emergency fund and you beat us! We can't beat your weekend trips to fill the freezer either :)

No m8 1 nil to you guys, the money isn’t in my hands so not really an emergency fund, hunting last weekend, my young fella got 3 deer, watching the rugby now

Well done mate! Took quite a while to make but it's all a good learning curve. Denise thought you were going to beat our score! Close though - LOL :)

Consumers "sometimes" switch or check out switching but are usually going with the status quo as it's easier. I check pricing every 6 months as things can change fairly rapidly. Agree with the Question 12 background. Thanks for commenting! :)