Kristy Shen and Bryce Leung have grown their family’s net worth to $2.9 million by age 43 without owning a home and while traveling the world for years.

In this episode, we break down how they built wealth starting with a modest income, avoided lifestyle inflation, and reached financial independence in their 30s. Kristy and Bryce share how their $1 million portfolio doubled while they were retired, how geographic arbitrage helped them control spending, and why investing early matters more than earning a six figure salary.

We also talk about becoming parents after reaching FI, the real cost of raising a child, and how marketing pressures families into overspending. If you have ever worried that kids will derail your financial goals, this conversation will challenge that narrative.

Most importantly, Kristy and Bryce explain how financial independence gave them the ultimate gift, time, especially during one of the most difficult seasons of their lives.

Want to build wealth and design a life around what matters most? Grab my book Own Your Time: https://marriagekidsandmoney.com/book

In This Episode You’ll Learn:

How they reached $1 million in their 30s and grew it to $2.9 million
Why avoiding lifestyle inflation accelerates wealth building
The difference between investable assets and home equity
How travel helped lower their annual expenses
The real cost of raising a child
Why financial independence is about buying back your time

Resources Mentioned:

Parent Like a Millionaire Without Being One: https://amzn.to/4rbbKPM
Millennial Revolution Blog: https://www.millennial-revolution.com
Free Investment Workshop: https://www.millennial-revolution.com/investworkshop
Monarch Money to track your net worth: https://marriagekidsandmoney.com/monarchmoney
Leave a voicemail for the show: https://marriagekidsandmoney.com/voicemail

Podcast Credits:
Host: Andy Hill
Editor: Johnny Sohl

Carpe Diem!

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