BiggerPockets Money Podcast How this Couple Achieved FIRE in Their 30s (Average Income)
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Dec 16, 2025 Discover how a couple reached financial independence in their thirties through savvy real estate investments, creative side hustles, and strict frugality. They generated $10,000 monthly from ventures like canoe brewery tours and Airbnb rentals while house-hacking multiple properties. After quitting their jobs, they sought a better lifestyle in Canada for its healthcare and education benefits. Their journey reveals the challenges of early retirement, the importance of aligning financial goals in marriage, and offers practical strategies for aspiring FIRE enthusiasts.
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Early House Hacking Sparked Frugality
- Carolyn and Sam bought a cheap condo early and unknowingly house-hacked by having a roommate cover an empty bedroom.
- That frugal habit set the stage for high savings and later accelerated wealth building.
Automate Raises Into Savings
- Put raises and promotions straight into savings and retirement; Carolyn maxed her contributions repeatedly as income rose.
- Follow the tax-advantaged order of operations: employer match, retirement accounts, IRAs, then taxable and real estate.
Canoe Brewery Tours Became A Big Side Hustle
- They built a profitable Airbnb Experiences canoe brewery tour that sometimes netted up to $2,500 a weekend.
- That side hustle proved entrepreneurship could replace a full-time income and fueled further investments.
