I’m a family guy living in Colorado with my wife and two young children. I studied biology and chemistry in college, but somehow turned into a software developer. From as far back as I can remember, I liked to save and earn money. My goal was to build a portfolio of $1,000,000 by February of 2017; 1500 days from the birth of this blog (January 1, 2013). And hey look, I’ve since retired!

Hi there! glad to have you on my blog. I am a big fan of personal finance and I am looking forward to sharing everything I know as well as point you to a plethora of resources available at your disposal. Now, a little bit about me. I was born in Maracaibo, Venezuela in 1980 and I think that makes me a border line millennial with some behaviors from Generation X. I was raised by frugal parents who taught me the value of hard work and saving for the future.I truly believe my journey to FI started with the lessons my parents taught me when I was a kid. I can still remember my dad saying .. “son, when things are going great that is when you should be saving the most because you don’t know when things are going to go bad“. In the context of FI, I can say this has been one of the most important lessons in my life so thanks Dad! The journey continues but now I plan to bring others on my quest for achieving Financial Independence.

I’m writing from the position of having already achieved wealth and financial independence, and I want to help you get there too. My intention is not to re-hash the basics of the FIRE lifestyle or journey. I like to focus on the behaviors and lifestyle factors that drive money decisions.

Go to school. Get good grades. Get a good job. Buy a house. Work for 30+ years. Be a good consumer. Retire on a golf course. For many, these are the ingredients for success. But life has more to offer those willing to change the recipe. By living in a small apartment in an old building, walking and biking instead of owning a car, and preparing most of our meals in our own kitchen, we were able to save a large percentage of our income. Instead of buying things and services, we learned new skills that reduced our expenses even further. By learning to invest, we turned those savings into a respectable income stream. Now still in our 30’s, instead of 2 weeks of vacation a year, we have 52. We are Jeremy and Winnie. Together we are Go Curry Cracker, a rallying cry we earned on our honeymoon hiking trip. This blog shares our journey.

Joe started Retire by 40 in 2010 to figure out how to retire early. He spent 16 years working in computer design and enjoyed the technical work immensely. However, the job became too stressful and Joe retired from his engineering career to become a stay-at-home dad/blogger at 38. Today, he blogs about financial independence, early retirement, investing, and living a frugal lifestyle.

Hi! My name is Steve, and I am an American Expat. The tagline I use on my site is " Sharing Knowledge to Help others Achieve Financial Freedom." I believe as I learn more I want to share more. As a teacher, I want to be able to help people out. The Frugal Expat is a personal finance blog geared to helping people save more, invest more, and reach financial independence.