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Welcome to the Modest Millionaires Blog

Real stories, practical strategies, and mindset shifts to support your journey toward financial independence — and a life that feels good today.

Whether you’re just discovering financial independence or deep into your journey, this blog offers grounded guidance for building a financial life aligned with your values.

You’ll find tips, personal stories, mindset reflections, and practical tools to help you reduce money stress, clarify your goals, and make progress — one step at a time.

New Here? Start With This Page

Want the full story of how our family went from a traditional 2025 FIRE plan to a semi-retired Slow FI life filled with intention, balance, and community?


This page walks you through our journey — and helps you begin your own, with helpful links, tools, and reflections to guide your next step.

Read the Start Here Page
Couple smiling for a selfie during a winter ski outing, wearing helmets, goggles and warm jackets.

We Had a Plan to FIRE in 2025. Here’s What Actually Happened.

Our original plan was for both of us to reach financial independence in 2025. Nearly a decade later, Mr. Mod has officially retired, while I've embraced semi-retirement and Slow FI. Here's how our plans evolved, what we've learned and what comes next for our family.

Financial Freedom & Wellbeing: How Stress Management Paves the Way

Knowing where to focus your energy – an update

Quantifying your dreams to make them happen

Lessons from my first year of semi-retirement

The Payoff of Investing in Your Health Now

Planning a Sabbatical

Making Health a Priority as a Team

Modest Millionaires Turns 5 + Health on the Way to FI Series Launch

I Am Semi-Retired

What I would have done differently on my FI journey

3 Financial Habits to Stick to When Your Time is Limited

Eight months of my sabbatical to test Coast FI

Keeping deprivation away on the Journey to FI

Guiltless Summer

How to Negotiate a Remote Work Agreement

Second & Third Months of my Sabbatical to test Coast FI

A Positive Approach to Your Finances

First Month of my Sabbatical to test Coast FI

Simple ways to stick to good money habits

Taking a Sabbatical to test Coast FI

Congrats Purple who reached FIRE at 30!

The Challenge of Planning the Transition to FI

Practicing our FI Life

Surround Yourself With Inspiration

A Simple Bare-Bones Budget

Trying to Cope through a Pandemic

Lowering the Scope

ModestMillionaires is 3 Years Old!

Gifting myself a break

Questions to focus on enjoying the journey to Financial Independence

Talking openly about my Financial Independence Plan

Changes Ahead at Work

Reach Your Goals When Life Gets Chaotic

Mindful Holiday Spending

Know your optimal working conditions

My First FinCon Experience : Thoughts and Emotions, So Many Emotions!

Planning : A Helpful Tool to Reach your Goals

Mid-2019 Spending & Investments Review

Accepting the Boring Parts of the Financial Independence Journey

Money Anxiety Ladder

Hit the gym regularly with a smoother morning routine with the preschoolers

The FIRE Drill Podcast Interview

How I Negotiated a Working from Home Position

Blogging about our journey to FI in French and English

Playing with FIRE + International Financial Independence Awareness Day

Optimizing the training and courses offered by your employer

2018 Spending & Investments Review

ModestMillionaires is 2 Years Old!

Increasing our Happiness at Work

Mission : Reduce our Grocery Spending

Why Ms Mod Started a Side Hustle

2017 Spending & Investments Review and ModestMillionnaires is One Year Old!

Why we Paid off our Mortgage Quickly

How we Paid Off our Mortgage in 4 years

Mid-Year Progress for 2017

Why the Modest Millionaires are Reaching for Financial Independence

My Frugal Pregnancy

The Importance of Understanding Your Income Tax Return

The Wealth of Simplicity

Enjoying the Present on the Way to Financial Independence

RRSP VS TFSA

Establish a Realistic Budget by Tracking your Expenses

The Modest Millionaires 2025 Plan

About Me