The secret to happiness is freedom, and the secret to freedom is courage – Thucydides


Hi there. If we haven’t met yet, I’m the Captain. For as long as I can remember, I’ve always been a bit of a misfit. Not a rebel. Not someone who railed against social norms. Just someone a little quirky who didn’t always see the logic in everything “normal” people did.

One of the things I wondered from childhood is why high earners didn’t just save and retire early. It took me till I was 21 to find out I wasn’t the only one to wonder this. One sunny day in 2012, an idle internet search led me to Early Retirement Extreme, which opened my eyes to the possibility of saving hard for 5 years to generate enough passive income to retire.

I spent the next year or two saving hard and sailing the seven seas (the inspiration for the nautical theme to the blog). Although ERE inspired me to some pretty hardcore saving by most people’s standards, I realised I had fallen into a trap of chasing the destination with no real thought to the journey. I was still slave to a materialist dream*.

Fast forward a few years. Despite easing on the saving, I found myself aged 26 – a land-lubber once more – with a paid-off house and a modest investment pot. I also found I no longer had any burning desire to retire. I looked back and realised I’d sleepwalked into living the dream. The magic ingredient? Freedom.

I’m not saying this to brag. You may well be cleverer, wealthier and better-looking than me. Actually scratch the last one – nobody’s better-looking than the Captain. And if you’re already happily retired, or plan to work till you die, or love nothing more than buying flash cars, this blog probably isn’t for you. But if you want to hear more about what I’ve learnt so far and – hopefully – share what we’re learning too, step aboard. Financial freedom isn’t easy, but hey – few of the best things in life are.


*This is totally not the message of ERE – it’s a great blog – just the way that I ended up taking it

Meet the Captain


Though once a professional seafarer, the Captain has never been one to spend his gold on grog and wenches. Instead, he set sail for Financial Indepence in 2012, and has been charting these waters ever since. He plans to reach full Financial Independence by 2025, but is enjoying taking in the view en route.

- The Captain

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