Year 2 Update – My Financial Independence Journey

Hello everyone,

I wanted to share my journey as a point of reference for myself in the future and perhaps to inspire others who are just starting out. After reading many posts here, I felt motivated to begin my own path toward financial independence.

I’m a 29-year-old male, turning 30 by the end of the year, married with an 1 year-old son. My wife is a full-time homemaker, so I’m the sole earner in our household. We live in our own small and simple house in the Philippines, which saves us from paying rent.

My Net Worth History:
19-Sep-2025: USD 8,839.75
24-Sep-2024: USD 2,965.48

I know many people here share impressive net worths of USD 1 million and above, but I’m okay with starting small. I’m just glad to have no debt and a positive savings amount every month.

I invest in a multi-class feeder fund that aims to closely track the total return of the S&P 500 Index before fees and expenses. Some local banks here in the Philippines offer this option.

I hope to update this post after a year. Everyone has their own timeline, and starting with zero debt is an advantage I’m grateful for.

Thank you for reading, and best of luck to everyone on their own journeys!