Our goal is to achieve Financial Freedom while living a nomadic lifestyle. As DIY investors and dual US/AU citizens, we choose not to follow conventional, one‑size‑fits‑all approach. Our current focus is on accumulating and building wealth, with the long‑term intention of funding our lifestyle through investment income and property investing utilizing tax efficient strategies.

Our core focus in building our Income Portfolio is using Dollar‑Cost Averaging (DCA) for both our buys and sells across our Taxable Account and Super, applying a contrarian approach based on market volatility and on assessed risk. Our cash is allocated between two vehicles: our mortgage offset account, which reduces interest on our home loan, and our cash savings account, which accumulates monthly interest while supporting our broader tax‑efficient savings strategy.

We are currently utilizing Microsoft Copilot in our Financial Planning and integrating FinAI into our financial management and investment strategies.