$2.9 Million Net Worth at 43 in Vancouver | Kristy Shen & Bryce Leung

Track your net worth with Monarch Money (Free trial plus 50% off using my partner link) → https://marriagekidsandmoney.com/monarchmoney In this interview, we sit down with FIRE pioneers Kristy Shen and Bryce Leung, who built a $2.9 million net worth by age 43 and designed a life centered around time freedom, travel, and family. Kristy and Bryce share how they went from engineers struggling to afford a home in Toronto to achieving financial independence in their 30s. Instead of chasing expensive real estate, they focused on investing, maintaining a high savings rate, and avoiding lifestyle inflation. We also discuss how their portfolio continued to grow while they traveled the world, how becoming parents changed their financial outlook, and why the real value of FIRE isn’t just early retirement. It’s having the freedom to be there for life’s most important moments. If you want to build wealth, gain flexibility with your time, and challenge conventional financial advice, this conversation is packed with insights. 📘 Learn more from Kristy & Bryce Parent Like a Millionaire Without Being One → https://amzn.to/4sfbmB9 Resources Mentioned Monarch Money (track your net worth) https://marriagekidsandmoney.com/monarchmoney Parent Like a Millionaire Without Being One https://amzn.to/4sfbmB9 Mr. Money Mustache https://www.mrmoneymustache.com/ YouTube Chapters 0:00 Why FIRE gives you your time back 0:22 Meet Kristy Shen and Bryce Leung ($2.9M net worth by 43) 1:08 Trying to buy a home in Toronto and discovering FIRE 4:09 Turning financial independence into a new lifestyle 7:52 Their income journey as engineers 9:17 How they avoided lifestyle inflation 10:11 Breaking down their $2.9M net worth 13:40 Why they avoid owning real estate directly 15:47 Living off their investment portfolio 17:38 How travel helped their portfolio grow 20:52 How becoming parents changed their plans 24:35 The real value of financial independence 26:39 Is raising kids really that expensive? 30:25 Avoiding the “big baby” spending trap 32:19 Investing lessons for parents 34:46 Their new book: Parent Like a Millionaire _____ MARRIAGE KIDS AND MONEY: This award-winning YouTube channel is dedicated to helping families build wealth and thrive. Each week, Andy Hill shares actionable advice and tips for family financial independence. Also, he interviews personal finance experts, families who've achieved financial independence and work optional parents to inspire you to do the same. BIO - ANDY HILL: Andy Hill, AFC® is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness. Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger’s Personal Finance and NBC News. With millions of downloads and views, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the world. When he's not "talking money", Andy enjoys being a Soccer Dad, singing karaoke with his wife and relaxing in his hammock. ✅ CONNECT WITH US Order My Book "Own Your Time": https://marriagekidsandmoney.com/book Follow On Instagram: http://instagram.com/marriagekidsandmoney Read our Blog: https://marriagekidsandmoney.com Listen to our Podcast: https://marriagekidsandmoney.com/podcast-archive/ Subscribe to my YouTube channel today to strengthen your family tree and live financially free! HOW WE MAKE MONEY & DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone, and this content has not been provided by, reviewed, approved or endorsed by any advertiser. Information shared on this channel is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Research & Writing: Andy Hill, AFC® Video Editing: Hinz Video Thumbnail: Ardi, The Thumbnail Wiz