2025 "Great Life" - Yer End Review
I’m tracking how my actions align with my valuesThe content on Surprising Wealth reflects my own experiences and opinions. It is not intended as financial, legal, or tax advice. Please consult a professional for advice tailored to your situation.
Building A Great Life: 2025 Year End Review
This year was not a perfectly optimized year. It was a human one.

Days with family quietly increased in a way I couldn’t have predicted a few years ago. Our parents are aging and beginning to need more support. Because of that, we made more frequent and longer trips. What surprised me most was the ripple effect. Being nearby more often meant seeing more of my siblings and extended family too. It was nice to have more “surface area” of time to have longer conversations, cook meals, get to know spouses and partners better, or simply be in each others presence with down time.
It wasn’t glamorous travel. It was caregiving, errands, shared meals, and late night talks. And it felt good.
Travel overall looked different than I originally imagined. We were on the road often, but much of it revolved around helping family rather than adventure for adventure’s sake. Still, we made space for things that felt life giving to my travel loving heart. One extended weekend at an event my partner and I both love. A coastal road trip to visit old friends who moved. A solo beach trip that gave me time to rest and reset.
As I reflect, I realize I want more travel in 2026 that is chosen purely for curiosity, exploration, and shared fun. Family will remain a priority, but I don’t want obligation to quietly crowd out adventure.
Friendship this year felt intentional. I doubled my visits-with-friends goal because I wanted to stretch myself. I wanted to be the one who reaches out. The one who’s happy to host or to come to them. The one who says yes to impromptu gatherings. We came close to the number, but what mattered more was the energy and intention. Dinners happened. Walks happened. Long conversations unfolded. The goal did its job by shaping my motivation and actions, reinforcing that relationships require motion.
Time spent near the ocean is the category that continues to reveal tension. I love being near the water. It restores me in a way few other places do. My partner doesn’t value it the same way, so most trips are solo. I actually lov sol trips, but…. I hesitate. Because I question spending the money on myself. I cancel when conditions don’t feel perfect because I dont want to spend so much resources on a less than idea opportunity. And then I feel the absence.
That feeling has been instructive. It’s one of the few areas where I sense deprivation in our otherwise abundant life. That tells me something important. Designing a great life doesn’t mean every value is equally shared. It means honoring what restores each person, even if it looks different. I’m still working through what that will look like next year.
Walking and hiking have been steady companions for years. In the past I put pressure on myself to hit five days a week, track it carefully, and check the box. This year felt different. It was a full year emotionally and logistically. I chose to release the pressure. Not because I didn’t value movement, but because I didn’t want it to become another metric demanding attention. I still walked most days and likely hit my five day goal in many weeks. But the mindset shifted. It became less about performance and more about headspace.
Let’s get curious….
Where did your time naturally flow this year, and what does that reveal about your true priorities?
Were there areas of your life that quietly expanded without you formally planning them? What might that say about this season you’re in
Is there something you value deeply that didn’t get as much space as you hoped? What tension does that create, and what might need to shift?
If joy were your primary metric of success, what moments from this year would count the most?
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A Bit About Us
Our journey began with humble beginnings. We’ve navigated through the challenges of creating a life and a living we love, while earing low to median incomes. What started as a modest dream of being able to retire someday has turned into a concrete plan. We’ve been on the SlowFI path, consistently saving and investing for 20+ years. Our income over time has stayed roughly in the 50th percentile, so we are truely everyday Americans. We’ve achieved remarkable results through living below our means and consistently investing the difference. Now in our mid-40s, we are in the top 20% for U.S. household wealth for our age group. This has been possible through conscious spending, consistent saving, strategic investing, and a commitment to lifestyle design where we spend generously on things that bring us value and contentment, while cuting back on things we are ambivalent about. It can be daunting when you hear the stories of tech workers or doctors or other people with large income shovels. We want to share how an everyday couple with median US income has built wealth for the future, while also creating a life we love today.
Why Financial Independence?
Financial Independence means having the freedom to make choices that aren’t dictated only by the need for a paycheck. It’s about gaining control over your time and energy, and being able to pursue what truly matters to you. For us, it’s about creating time for friend & family, travel, and the experiences that bring joy and fulfillment.
Join Us on the Journey
In January 2021, I ran some calculations, projected our investment growth, and analyzed our current spending levels. After adjusting our spending assumptions for future inflation, I realized we could replace our earned income (trading time for money) with investment income (our money making money for us) in approximately 10 years. With 90 months left to go, we’re solidly on that path and we want you to join us. Whether you’re just starting out or well on your way to financial independence, Surprising Wealth is here to support and inspire you. Together, we can make every month count and turn dreams into reality.
Thank you for being a part of our community. Let’s embark on this journey to financial independence together!
Disclaimer: All the tips and stories here are from my own journey toward financial independence. Remember, what worked for me might not work for everyone. This content is for informational purposes only and should not be considered as financial, legal, or tax advice. Always consult with a professional before making any significant financial decisions.
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