Financial Independence Retire Early

FIRE Thailand 2030

Pieter & Stephanie on the beach

Pieter & Stephanie's strategic journey to financial independence and early retirement in paradise

View Progress

Our FIRE Mission

Achieve Financial Independence & Retire Early by 2030, creating a sustainable luxury lifestyle in Thailand with a $1.45M nest egg generating $1K monthly passive income.

Target: January 2030
$1.45M Net Worth Goal
Koh Samui Paradise
$1K Monthly Passive

Our Future Paradise

Beautiful Koh Samui - where our FIRE dreams will become reality

Koh Samui Tropical Island Landscape

Island Landscape

Tropical tranquility in Koh Samui

Paradise Found
Koh Samui Luxury Resort Pool

Luxury Resort Pool

High-end resort life by the water

Poolside Bliss
Koh Samui Island Dining Experience

Island Dining

Dining with a view in Thailand

Gourmet Life
Koh Samui Private Villa Sea View

Private Villa View

Sea-view villa living in paradise

Luxury Living
Koh Samui Strategic Beach Map

Map of Koh Samui

Strategic beach map of Koh Samui

Island Guide

Explore Our Future Home Base

Koh Samui - The tropical paradise where our FIRE journey leads

FIRE Readiness Dashboard

Current Nest Egg Progress

$600,000
of $1.45M Goal
41%

Monthly Savings Rate

$8,500
of $3,500 Target
$0 $3.5K Target $7K $10K+
Target
$8.5K
243% of Target!

Timeline Completion

6/19
Milestones Completed
31%
Next Milestone: Thailand Scout Trip

Visa Prep & Legal Readiness

Step 1: Research visas
Step 2: Choose provider
Step 3: Submit documents
Step 4: Secure visa (2029)

Relocation Timeline Check

Thailand Scout Trip Apr 2026 Planning
Duplex Acquisition Q1 2027 Not Started
Thai Visa Prep Q1 2028 Not Started
FIRE Target Hit Dec 2029 On Track
Move to Thailand Jan 2030 Not Started

Passive Income Streams

$450
of $1K Target
Biltong Business Plan
FIRE App MVP
Duplex Purchase
Rental Income Active

FIRE Lifestyle Tiers

Choose your level of financial independence and lifestyle in Thailand

Frugal FIRE
$1,800
per month
$540K nest egg
Basic Thai condo, local food, minimal travel. Simple but comfortable expat lifestyle.
Lean FIRE
$3,200
per month
$960K nest egg
Modest rental, limited travel, basic healthcare. Conservative retirement approach.
Comfortable FIRE
$4,200
per month
$1.26M nest egg
Nice 1-2BR rental, good healthcare, moderate travel. Well-balanced lifestyle.
Luxury FIRE
$4,850
per month
$1.45M nest egg
Sea-view villa, gym/spa access, regular travel. Our target luxury lifestyle.
Ultra Luxury
$8,500+
per month
$2.55M+ nest egg
Villa estate, full staff, premium everything. Ultimate luxury retirement.

Monthly FIRE Budget

Detailed breakdown of our $4,850/month Thailand lifestyle budget

Villa Rental (2BR)
Sea-view villa in Koh Samui
$1,200
Travel
International & domestic trips
$1,100
Groceries + Home Supplies
Local markets and Western food
$700
Health Insurance
Comprehensive international coverage
$450
Dining Out
Restaurants and local food
$400
Gym & Spa
Fitness and wellness
$250
Hobbies
Entertainment and activities
$200
Buffer
Emergency fund and flexibility
$200
Transport
Scooter rental, taxis, gas
$120
Internet + Subscriptions
High-speed internet, streaming
$100
Housekeeper
Weekly cleaning service
$80
Visa Fees
Annual visa renewals
$50
$4,850
per month
$58,200 per year
5
Years to FIRE
$1.45M
Target Net Worth
$1K
Monthly Passive Income
2
Dream Locations

Our Journey Timeline

Key milestones on our path to financial independence and early retirement in Thailand

Jul 2025
Finance

Transition to Shared FIRE Plan

Enroll Stephanie onto accounts, budgeting and insurance

  • Consolidate bank accounts and credit cards into joint system
  • Establish comprehensive insurance coverage and beneficiaries
  • Set up monthly allowance and discretionary spending limits
Aug 2025
Career

New Beginnings

Pieter starts at Invisible, establishing our FIRE savings foundation

  • Sign employment contract at Invisible
Sep 2025
Business

Biltong Business Launch

Stephanie launches biltong business for passive income

  • Create digital presence with ecommerce website
  • Start small sample distribution locally
  • Open up a physical shop location
Sep 2025
Business

Freelance Consulting Launch

Pieter starts technical consulting through Accenzio LLC - flexible & remote

  • Expand current client base for consulting
  • Expand portfolio with new technical services
  • Establish remote work processes for Thailand
Sep 2025
Lifestyle

Career Transition

Stephanie leaves Lucid, embracing a flexible lifestyle for our future

  • Give formal notice to Lucid management
  • Complete knowledge transfer and handover tasks
  • Transition health benefits and retirement accounts
Oct 2025
Finance

Income-Generating Investments

Invest loose cash into high-yield, dividend-focused ETFs for passive income boost

  • Research and shortlist income-focused ETFs (target 3–5%)
  • Allocate funds from high-yield savings into selected ETFs via brokerage
  • Track monthly dividend yield + reinvest plan in FIRE dashboard
Nov 2025
Business

SaaS Development

Developing AI SaaS platform for sale or passive income

  • Define MVP features and target market research
  • Set up development environment and tech stack
  • Begin core AI functionality development
Dec 2025
Lifestyle

Travel to South Africa

Vacation and family time to celebrate milestone achievements

  • Book flights and accommodations by October to lock in deals
  • Plan experiences with family, wineries, and safari/rest days
  • Unplug, reflect, and photograph life worth FIRE-ing for
Dec 2025

Milestone: $850K Net Worth

First major financial milestone achieved

  • Maintain $8K+ monthly savings/investment habit
  • Rebalance portfolio for growth (13% CAGR target)
  • Log milestone in FIRE tracker + celebrate with a reward
Apr 2026
Travel

Thailand Scouting Trip

Exploring Koh Samui and Phuket, testing logistics and villa options

Dec 2026

Milestone: $1.1M Net Worth

Crossing the million-dollar threshold

Mar 2027
Real Estate

U.S. Duplex Investment

Diversifying with rental property for passive income

Apr 2027
Business

FIRE App Launch

AI-powered SaaS generating $500-$2K monthly recurring revenue

Dec 2027

Milestone: $1.4M Net Worth

Steady progress toward our FIRE goal

Feb 2028
Legal

Thai Visa Strategy

Securing our legal pathway to long-term residence

Jul 2028
Housing

Villa Search Begins

Finding our dream 2BR sea-view home in paradise

Dec 2028

Milestone: $1.7M Net Worth

Final stretch with $2K+ passive income

Jun 2029
Business

Winding Down U.S. Operations

Sunset U.S.-based work, prep for relocation

Aug 2029
Logistics

Final Move Prep

Close U.S. chapters - docs, shipping, storage

Dec 2029

FIRE ACHIEVED: $1.45M

Financial independence unlocked!

Jan 2030

Living the Dream in Thailand

Beginning our FIRE life in tropical paradise