Dreaming of the Geographic Arc – Millennial Revolution

It’s been a while since we did a reader case and our inbox is stacking up (thanks to all the writers for telling us your stories, we love reading them), so there are no more readers, this is about the geographic reader case!

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Hi Christy and Bryce,

We are a 52-year-old and 53-year-old common law couple from British Columbia. We recently purchased an exit like a millionaire, which completely reshapes how we see the future. We both grind all our lives, the people we all count on – we are tired of. Daily running-in, high taxes and cost of living have caused huge losses.

We love traveling and longing for a life that focuses on freedom, health and cultural experiences. Geo-fencing has become our dream – thanks to your work, we have finally made a path for it.

We are honored to be regarded as a case study. We are closely following your earnings shield strategy and have a plan that we hope we can fire soon. We are open to all feedback. What would you and Bryce do if you were wearing our shoes?

Our key questions are:

Can we work for a year or two with a starting combination of $700,000 to $725,000 for our home for sale?

Can we actually spend less than $30,000 to $35,000 a year when we are geographically impaired?

We are ready to go as soon as possible and wonder if this is enough to start our new life.

Financial snapshots

Total household income: $111,000

Net Income: $104,000

debt:

•Mortgage only:

•Balance: USD 20,300

• Interest rate: 2.04%

• Pay $900 every two weeks

•The mortgage will be fully repaid by December 2025

Monthly Expenses: $5,000 per month

Fixed assets:

•Home: $620,000 (conservative value)

• Vehicle: $18,000

Savings and investments as of July 2025:

•$65,000 ETF

• $10,000 GIC

•$5,000 in cash

We expect the mortgage to double after paying off.

Phase 1: One to Five Years – Earnings Shield Strategy

Target Fire Launch Portfolio: $700,000-$725,000 ($350,000 per person)

Annual expenditure target: $30,000-$35,000 Come on

Note: This is based on the minimum number, excluding CPP or OA, we are all eligible to be eligible later.

Decomposition per person:

TFSA – $125,000

•$30,000 – ZWC (~7.5%) →$2,250/year

•$30,000 – VDY (~5.3%) →$1,590/year

•$25,000 – Zdy (~3.6%) → $900/year

•$40,000 – psa.to (~4.9%) → $1,960/year

TFSA Income: $6,700/year

RRSP – $122,500

•$ 35,000 – ZDV→$ 1,575/year

•$ 30,000 – VDY→$ 1,590/year

•$ 25,000 – ZAG→$ 875/year

•$17,500 – psa.to→$857/year

•$15,000 – XEQT→$300/year

RRSP Income: $5,197/year

Not Registered – $102,500

•$50,000 – ZWC→$3,750/year

•$27,500 – ZDB→$963/year

•$ 25,000 – psa.to→$ 1,225/year

Unregistered Income: $5,938/year

Passive income per person Total income: $17,835/year

Total Income per Couple Total Income: $35,670/year

ETF sales are not required at this stage. Our travel budget will be fully supported only by revenue. We will use a 90-day visa to slow travel across Southeast Asia, the Balkans, Central and South America.

Stage 2: Grade 6 and above – Total return strategy

•Rebalance XEQT, ZAG and PSA.TO

• Begin 3.5% to 4% total refund withdrawal

• Maintain geographical and physical lifestyle and spending flexibility

•Use ZAG and PSA. With stability in the decline market

• Consider the non-residential situation of tax collection

Thank you for sharing everything with the world. Your books and blogs provide us with clarity, structure and confidence to build a better life. We will greatly appreciate your feedback on whether the program is ready-made – and whether you think we can make a leap in the next 12 to 24 months.

Sincerely,

Global France ordinary couple

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I love hearing letters from people who know what they want and are not afraid to go and get it, and the couple has spades. For example: “We love traveling and longing for a life that focuses on freedom, health and cultural experiences.” look? They know their priorities in their lives and focus on these three things over the past 10 years of retirement, which we can say are worth it.

Now, let’s see if we can take them there as soon as possible with mathematical efforts!

Summary	quantity
net income	$104,000
expenditure	$5000/month or $60,000/year
debt	– $20,300 (mortgage- Will be paid off by December 2025)
property	$620,000
Investable assets	$65,000 (investment) + $10,000 (savings) + $5,000 (cash) = $80,000

From a first glance, I can see that most of the couple’s net worth is in their position. They did a great job of paying off their mortgage and expecting to get it by the end of the year, and I’m glad they are now looking for diversified investments so that not all are concentrated in one asset (because we all know how things were going in 2008. *CUE horrible music*).

Given that they spend $5,000 per month or $60,000 per year, they need $1.5 million to achieve financial independence to continue living their current lifestyle.

However, knowing that their mortgage is a payment of $900 every two weeks and that their home will be fully repaid by December 2025, their living expenses will be reduced to 60,000-$23,400 = $36,600 = $36,600/year, and the home will be paid off in December.

This means that in just 3 months, their FI volume dropped to $915,000, and their savings rate sold at as high as $80,600 per year. At this point, they will reach fi:

Year	balance	contribute	ROI (6%)	All
1	$80,000.00	$80,600.00	$4,800.00	$165,400.00
2	$165,400.00	$80,600.00	$9,924.00	$255,924.00
3	$255,924.00	$80,600.00	$15,355.44	$351,879.44
4	$351,879.44	$80,600.00	$21,112.77	$453,592.21
5	$453,592.21	$80,600.00	$27,215.53	$561,407.74
6	$561,407.74	$80,600.00	$33,684.46	$675,692.20
7	$675,692.20	$80,600.00	$40,541.53	$796,833.74
8	$796,833.74	$80,600.00	$47,810.02	$925,243.76

Less than 8 years!

Of course, this is assuming where they continue to live and keep paid homes. What if they were going to follow their dreams and sell their house to travel? Are they closer to FI than they thought? Can they be Tefe?

Nostalgia

My friend Clover recently quit her job and moved from Vancouver to Bali since she arrived in “Balifire”. Not only did she live her best life in the ocean every day, rent a beachfront apartment every month and get a massage for $6, she also found her purpose by starting her own divorce association business, Divorce Glow, to help women find happiness after their heartbreak. Clover proves that the Earth-formed arbitrage can shorten your retirement time and give you a lifestyle improvement! Why not cough $2,000 per month of rent in BC (Did you know BC stands for “bring cash”?), which will pay for her full cost in Bali!

So the couple had the right idea. When it comes to cheating codes to shoot, geographic circles are the key!

They expect their expenses to drop to $30,000 to $35,000 per year in cheap places in nomadic Southeast Asia, the Balkans, Central America and South America. After all these places, I would say Southeast Asia is the cheapest. So if they stay only in Southeast Asia, then $30,000-$35,000 would be enough. If you are going to be in other low-cost countries outside of SE Asia, I would increase their budget slightly to $40,000-45,000.

This means their portfolio size is only $750,00 – $1,125,000. They currently have $80,000 in investable assets and next year they will pay off their mortgage, which will increase their annual after-tax savings from $44,000/year to $67,400 per year, then give: Net Worth:

Year	balance	contribute	ROI (6%)	All	Mortgage balance remaining
1	$80,000.00	$44,000.00	$4,800.00	$128,800.00	20300
2	$128,800.00	$67,400.00	$7,728.00	$203,928.00	0

$203,928. If they currently sell their homes and pay a 5% real estate agent fee, that will release $589,000, which will bring their net worth to $792,928, making them officially “Thaifi”!

So, they are on site. If they choose to sell their homes and move to Southeast Asia, they will arrive at FI in less than 2 years.

Don’t forget the pensionWoolen cloth

Now, the other thing they serve them is their government pension. Since they were already in the early 50s, they will also qualify for CCP and OAS within only 7 years, which will give them an additional $10,000 per year if taken early at age 60. This will equate to a $250,000 portfolio and will give them a nice mat to cover health care costs and any additional optional travel costs.

Therefore, following their travel dreams seem to be in good condition! yeah!

My only warning is if they can choose to take a 6-month leave and try to live in nomadic Southeast Asia and South America to see if a) they like it and b) they can stick to a $35,000 budget they set for themselves. It’s a great mini experience that gives them a chance to change their financial forecasts if reality doesn’t meet their expectations.

So, answer their questions:

Key Issues

Can we work for a year or two with a starting combination of $700,000 to $725,000 for our home for sale?

Yes.

Can we actually spend less than $30,000 to $35,000 a year when we are geographically impaired?

Try taking a vacation. I know Wanderers and I (and our friends) live in Southeast Asia, but you have to try it out for yourself. Also, if you don’t use frequent flyer miles like Aeroplan to get free flights, make sure you learn how to do it (which will save you a lot of travel).

However, one thing I have to mark is that they rely on covered eTFs to get a productive portfolio. The covered phone ETF holds a basket of stocks and makes money by writing down the phone options in its holdings. The fund manager’s premium is distributed to unit holders in the form of a rate of return.

The benefit of this is that in the side or down market, the fund value will be approximate the index fund while giving you a juicy rate of return. But ironically, as the market rises, more and more call options will begin to exercise, forcing the fund to sell stocks that could have been exploited. And, because the stock market tends to rise in the long run, even if the revenue is 7.5% of the revenue, the notes ETFs are not performing well. Having a covered call ETF can only take these downside risks into account and adopt a clear exit strategy. Our couple intend to have these for the first 5 years of retirement here, which is a reasonable holding period, but they have to remember to end up in the long run and return index funds.

What do you think? Is the couple ready for the way to get it into FI?