How Brendan Survived a Deep Payoff Period

Brendan is a single guy living in central Otago. He lives on just $20,000 a year based on the premise of multiplying your annual expenses by 25 he figured he would need about $500,000 invested before he could retire. Brendan has always been very frugal but also spends when needed and while he does make a budget he's not always the best at sticking to it. The most extravagant thing that he had purchased for himself in the last 90 days was a week-long bike packing trip around central Otago Southland and Fiordland where they ate far better than he expected.