MereCivilian's Financial Position 2025

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I have been blogging for more than half a decade now, and I feel it's important that I document/share my financial position, especially since I remain anonymous and I wish to remain that way.

Income (based on 2025 income tax return): USD60K to USD80K
Work: I have been working for a not for profit since 2010 (my first proper job, actually)
Living situation: I pay rent
Properties owned: ZERO
Investments: Less than USD300K
- Retirement fund - 100% in index funds
- Investment in ETFs in index funds
Debt: USD35K (car loan)
Personal assets: less than USD20K
My son's future account: every year I put in $10K for his future, it's more than AUD50K now. When he is 18 years old, I intend to give him all this money for his future. Nothing more, nothing less. I am hoping he uses this as a foundation to follow his dreams and passion and become financially independent.

Am I rich?

No, I do not think so. I have yet to buy my dream car, and that is less than AUD35K

But seriously, being rich means I do not need to think about money at all, which is not the case for me and I doubt it ever will be, based on the life I have currently chosen.

Am I financially independent?

I believe I am. My current way of life is geared toward this. I earn a certain amount, and I have deliberately ensured that amount is enough for the way I live my life.

I live a simple life!

Am I happy?

YES!

In the grand scheme of things, Yes!

Please do not let the amounts discourage you or encourage you. It's just a bunch of numbers. I know people who have a lot more than I do and are not happy, and others who have a lot less than I do and are happier.

Find your happy place! Money is just one pillar.

Btw, this is not a start of an annual tradition of blogging about my financial position.