Reader,

I am officially breaking my own rules today. Usually, this newsletter is packed with charts, market data, and deep-dive financial concepts. But today, I am writing to you from a couch in an Airbnb in the Casablanca Valley of Chile, sipping local wine, and reflecting on our first few days of this long-awaited honeymoon. Not to worry, this writing session is Katie-approved but I'll keep it short because she's eyeing me right now 👀

I want to give you a transparent look at exactly what we are doing, what it costs, and the financial philosophy that allows us to take this trip without an ounce of financial guilt.

The Journey & The "Die With Zero" Philosophy

If you've read the book Die With Zero by Bill Perkins, you know the core premise: optimize your life for memorable experiences, not just hoarding cash until you're too old to enjoy it.

As healthcare professionals, we are notoriously bad at this. We either bleed money to lifestyle creep, or we become hyper-frugal and terrified to spend our hard-earned cash. Katie and I try to live in the optimized middle: we automate our wealth-building so we can spend ruthlessly on the things we value, like this trip.

Here is a totally transparent look at the honeymoon budget so far:

• The Flight ($1,082 CAD total): We took a 10.5-hour overnight flight from YYZ (Toronto) to SCL (Santiago). The travel gods smiled upon us, and our middle seat was empty, so Katie got to sprawl out. Surprisingly, for someone who usually sleeps like a rock, her sleep tracking score was a solid 0. I somehow managed to score a majestic 28. We arrived exhausted but thrilled.
• The W Hotel Surprise ($203 USD total): Katie thought we were staying at a standard hotel, so she was absolutely floored when we pulled up to the W Hotel in Santiago for our first night. Thanks to the Gold Elite status I get through my Amex Platinum card, they pulled out all the stops: an upgrade to a 900sq ft King Supreme Suite, free welcome drinks, and complimentary breakfast. To get that level of luxury for just over $200 USD is the ultimate ROI of travel hacking.
• The Road Trip ($103 USD): We rented a car for 3 days to get out of the city and head into wine country and the coast.
• The Casablanca Valley Airbnb ($95/night): We are currently staying in a fantastic, simple Airbnb. It has a pool, free parking, and everything we need to use as a home base.
• The Wineries ($150 - $200 CAD): Yesterday, we rode bikes and pedaled our way through three different incredible wineries. Afterward, we grabbed some fresh food from the local market and made a nice, easy dinner back at the Airbnb.

Tomorrow, we pack up the car and set sail for the coast. We are spending two nights in Viña del Mar at another Marriott property, where I am crossing my fingers for another Gold Elite upgrade! 🤞

The Micro-Lesson: Autopilot Wealth

Why am I sharing my vacation receipts with you?

Because right now, I am over 8,000 kilometers away from home. I am not checking the TSX or the S&P 500. I am not actively managing my real estate portals or worrying about our new tenants.

And yet, my net worth is still growing.

That is the entire point of what we talk about in this newsletter. When you use a Reverse Budget (paying yourself first), automate your ETF purchases, and acquire cash-flowing assets, you decouple your time from your money.

You do the heavy lifting up front so that when you are biking through a vineyard in South America, your money is back home working the night shift for you.

🚨 LAST CHANCE: The March Blossom Challenge!

This is it. Today is March 29th, which means there are only two days left in the Blossom Creator Challenge!

To everyone who has downloaded the app and supported me this month—thank you from the bottom of my heart.

As a reminder, Blossom is giving away 1 of 5 Apple Prizes (iPhone 17, Macbook Pro, AirPods, iPad, Mac Mini) at the end of the month. I am still gunning for that Macbook Pro for Katie.

But if I win the AirPods, the iPad, or the Mac Mini, I am giving it away to one of YOU. If you haven't joined yet, please take 60 seconds to download the app, link your account, and follow my portfolio. Let's finish this month strong!

So, if you want to help me crush this challenge, win some free tech for yourself, and see exactly why the AI roasted my Bitcoin and Tesla positions...

👇 Click the link below to download the app (it's free!), follow my portfolio, and help us both win. Just make sure to follow me @financiallyfulfilledpro and I'll mark your name down :)
Also, in full disclosure, please note, that I do earn a small monetary amount for each download

🧘 THE WELLTHY PRACTICE RETREAT (April 25-26, 2026)

I am incredibly excited to announce that I will be speaking at The Wellthy Practice Retreat next month!

If you are a practitioner looking to seamlessly integrate your health, your business, and your wealth, this is the room you need to be in. It is a 2-Day Virtual Retreat happening live online, and I will be breaking down some of my top financial strategies specifically tailored for clinic owners and healthcare pros.

Because you are a subscriber, I have a special discounted rate for you!

• $149 — Speaker Community Rate (Use promo code WELLTHY at checkout for $50 off!)
• $199 — Early Bird (If you don't use the code, this is the rate until March 31)
• $249 — Regular Price (April 1 onward)

​👉 Click Here to Grab Your Ticket and Learn More​

Resources to Automate Your Wealth

1. Automate Your Investments 👉 🇨🇦 For Canadians: Wealthsimple is my absolute favorite platform for setting up recurring, low-cost ETF investments. It is the easiest way to embrace the "Nevada Model" of investing.

2. Maximize Your Income (The Job Comparison Calculator) 🚨 You can't invest if you are leaving money on the table at work. If you are thinking about switching clinics, use my brand new Job Comparison Calculator to see exactly which offer makes the most mathematical sense for your family.

I'll catch you in another week, before we set on a hike up Chile's most famous mountain​

​@financiallyfulfilledpro and Certified Financial Counsellor CFC™

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