While most other bloggers in the field are already retired or write about personal finance full-time, I started my path only a year 2 years ago and will take you with me throughout my challenges and accomplishments.

Throughout my university years, I have learned a lot and I am now working for one of the biggest banks in Canada. Let me share my knowledge, my journey, and my passion with you.

After discovering the wonderful topic of Financial Independence, I started reading blog after blog, book after book on this idea of a free life and early retirement. While reading and learning I noticed that most blogs like The Root of Good or Mr. Money Mustache or Financial Samurai are written by retired guys that achieved their goals and now share their great knowledge. I thought; wouldn’t it be fun to follow someone troughs their path to financial independence? So here I am, 25 years old me, taking the leap and sharing with you my challenges and accomplishments of my path to retirement. My goal is to be financially independent in 10 years or less.


I want to retire in 10 years.


With the power of compound interest and a high savings rate, we have every tool in front of us to achieve financial independence and early retirement. I will do my best to share with you ways and thoughts to get to the ultimate freedom. I currently save over 50% of my income and hope to increase this savings rate up to 70% to finally accumulate enough assets to passively pay for all my expenses. Throughout this blog, I will keep anonymity through the pen name Xyz but will try to be as personal and close as possible.


So what topics do we cover?

  • Personal Finance
  • Financial Independence
  • Investing
  • Debt
  • Travel
  • Our Path


I am young and  I have the most of my life ahead of me. Working until 65 is nothing I could dream of and with a solid plan, my path to financial independence at 35 is clear. Meanwhile, I live a wonderful fulfilling life with my fiancée now wife, working full-time.

We still take the time to pursue our hobbies and passions and live life to the max. You can see how we invest and where we invest by reading our Open Book series. Mrs. Xyz is now helping out and we are now writing jointly on occasion.

We are Canadian but I will try to write as neutral as possible since a lot of you come from the US, or anywhere else in the world. We try to post a bit on everything, if you are completely new to the Financial Independence concept, we suggest you start here.

If you want to take advantage of great tools and programs to get ahead in your financial path, check out our recommendations for greater wealth.


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This blog is a personal blog written and edited by me and my wife. I do work in finance but my posts are a reflection of my personal life experiences so please do not make any financial decisions based on what we have said or done. We are not affiliated with any bank and write unbiased content based on our personal experiences.  All investments carry the risk of loss. It is the responsibility of individuals to do their own due diligence before investing in anything mentioned on this site.

This blog offers affiliate products, the compensation received will never influence the content, topics or posts made on this blog. The views and opinions expressed on this blog are purely our own. Any product claim, statistic, quote or other representation about a product or service should be verified with the provider or party in question.

Ourfinancialpath.com does not collect any personal information about you as a visitor except standard traffic logs automatically generated by our web server and Google Analytics and anything you leave deliberately as part of a comment.

We will never sell or voluntarily disclose your personal information or email address.

Copyright © Our Financial Path. Unauthorized use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Xyz and OurFinancialPath.com with appropriate and specific direction to the original content. All images are under Public Domain, mentions are greatly appreciated.