Welcome to our blog about our investment and financial journey in Australia.

We are: A happily married mid-20s couple, with one cat and one baby. We have a dream & a goal that one day, sooner than you’d think, we will be financially independent with our investment income paying for the life we want to live as early as possible.

When do we want to achieve this by? 50? That would be good. 45? Even better. 40? Now we are talking. Being in our mid 20s it’s incredibly hard to say what our future will be like so we don’t have a specific step-by-step plan. But we do know where we want to get to, we know how we’re going to get there and we are incredibly motivated to do it.

We are huge believers in only spending money on things that are important or make us happy, to spend less than we earn. Then, with the savings, make our money work as hard as possible to help us achieve our goals.

We want to own small parts of many Australian companies, these companies will grow their businesses with time and pay us ever-increasing dividends.

If we own enough shares, we can live totally off dividends.

This will take years and years of living below our means, spending less than we earn, being frugal, investing frequently and investing smartly. This blog will follow our progress, showing that it’s possible to achieve money goals, even on a modest income. It will also serve as a constant reminder and motivation to us to see where we started and how far we’ve already come.

We’re very excited to blog our journey, as daunting as the size of our goal is. We hope in a year, 2 years, 5 years, we’ll be able to look back and be proud of what we’ve achieved.

Another reason why becoming wealthy is so important to us is, which is mentioned above, we have no children. We’ve been told that it’s going to be a lot more difficult and expensive for us to have any children. So we will need medical assistance, through IVF (which is the expensive part). This has changed our investment journey map before it’s barely begun. It will take longer, it will be harder, but that just makes us more determined.

We hope that this blog will be a success journey with both investments and children along the way, we hope you enjoy it.

Mr and Mrs DDU

35 thoughts on “About

  1. Roadmap2Retire

    Its great to have found your blog. I remember when I started investing – I was just a bit over 25, but I didnt discover DGI until much later…I was too busy chasing high growth investments and losing money on them. Your future self will thank you for starting this early and getting on the path to building your income stream. Keep it up!

    Im sure its an emotional time – going through IVF – and I wish you and your wife the best. I will be sure to follow along your journey to financial independence. Ive been looking to follow international blogs – and Australia is def up there on my list – so hoping to learn more about Aussie investments through your blog.


  2. Dividends Down Under Post author

    Hi R2R,

    Thanks for coming by. My future self will definitely think me, my current self is already thanking me 🙂

    IVF & having children is a huge part of our overall financial journey, indeed my whole life. It’s been a hard road but I hope to share our success on this blog as well as the dividends/finance aspect.

    I hope you enjoy my blog for years to come.

  3. ambertreeleaves

    It is good that at such a young age you get serious about life goals and investing. With a little bit of luck, you will retire at the age that I am now!
    Figuring out to only spend on things you find important is a good thing. Do not buy for the sake of buying.

    IVF is a journey on its own, but well worth the effort if you succeed. I am happy with our 2 kids.

    All the best

    1. Dividends Down Under Post author

      Hi Ambertreeleaves,

      Thanks for the encouraging words. I have always liked planning for the future, but investing is definitely one of the very best ways to help future me out. I love following businesses, if share investing was a game I’d do it just for fun. It’s fantastic that it exists for people to literally become millionaires.

      As a society we are so wasteful (of money, time, objects, food, doing things you don’t want to do), it surprises me that people spend so much on things they don’t want.

      IVF is a huge, emotional journey and I hope it’s all successful for us in the end. Even if we have to spend thousands and thousands of dollars and delay our investing journey, it will all be worth it (and more).

      I hope you follow the blog in the years to come 🙂

  4. The Personal Economist

    Great to have discovered another Aussie blog. I wish I’d started as young as you guys, I’m so impressed! Good luck with IVF, as a mum I can certainly assure you whatever the challenges, it is worth it.

    1. Dividends Down Under Post author

      Thank you for coming by and commenting.
      It’s fantastic to see another Aussie woman out there blogging about finances. It’s a lot easier to pick up “tips and tricks” from within your own country, there are so many financial and lifestyle differences following international blogs.

      Looking forward to seeing more of you 🙂

  5. J

    Yay for another Aussie blog! You guys are so young yet so inspiring. You should be proud of yourselves. I hope I was as wise as you when I was younger. I’m excited to follow your journey. 🙂 Good luck with the IVF (we don’t have kids yet but they are also part of our future plans), I’m sure it will be worth it.

    1. Dividends Down Under Post author

      Hey J, thanks for coming by! 🙂
      aw thanks for calling us inspiring, that is a huge compliment.

      I hope your future-planned kids come to you a lot easier than ours. Looking forward to following your journey too!

  6. wealthfromthirty

    great to read another Australian blog on investing especially from other younger investors. Reading through some of your posts seems like you’ve made a great start! Looking forward to following along 🙂

    1. Dividends Down Under Post author

      Hey WFT,

      Thanks so much for finding our blog and commenting 🙂 It’s really great to find other Australians, there aren’t enough of us! (We are trying to do our bit with IVF 🙂 )

  7. Stalflare

    Found the blog! Am I correct to say that there is no “current holdings” page? Will add you to the list of blogs I follow, and best of luck for the IVF journey too! 🙂
    Ciao ciao

    1. Dividends Down Under Post author

      At the moment yes, there is no current holdings page, maybe sometime in the future. Thanks for the follow Stal, thank you for the luck, we will take all the luck we can.

      Ciao 🙂

  8. rudysmartmoney

    Well done!

    I wish you and your wife a prosperous future (I’m confident you will) and get a baby soon. I just got my first girl and is a joy in out life.

    I’ll follow you and see if you pick up some good Australian company. At the moment the Australian dollar is down, it’s a great opportunity to enter the market with my US$ but don’t have the time to research Australian companies.

    Keep going!


    1. Dividends Down Under Post author

      Hi Rudy, thanks for visiting our blog 🙂

      We really appreciate your luck and well wishes, I hope you enjoy following our IVF and financial journey.

  9. Doctor Jonathan

    Wishing you all the success possible on starting your family. You have laudable goals for 2016. Discipline and persistence will help get you where you want to be. Make certain you enjoy the entire experience; waiting to have fun after you age means you’ve sacrificed many years of opportunity for joy and happiness. Balance is a key to finding happiness. Stay passionate about life; find purpose and meaning in your pursuits and enjoy life to its fullest.

    1. Dividends Down Under Post author

      Hey Dr J – thank you. We try to aim high, even if we only get halfway there, we’re doing well (we would like a whole baby though).

      What you say is very true, we are trying to find an equilibrium between fun/spending now and the future. For now we try to have free/cheap fun (whilst not in the slightest feeling ‘deprived’). In the future we will have more expensive fun 🙂

      Thank you for visiting our site and saying such positive & uplifting words.

  10. The Personal Economist

    Hi guys – sorry have been offline for a while and stupidly lost my way to contact you directly. I’m taking a break from my blog for a while to focus on family and work but will still be following you guys – new website looks great!

    1. Dividends Down Under

      HI! You have no idea how happy I am to see you comment!

      Thanks for the comment on the website, we’re trying to step it up a gear so it’s really nice to hear that it’s paying off visually.

      We miss you, hoping everything is ok x

      Mrs DDU

    2. Mrs. ETT

      Hi PE,

      I’ve just begun reading your blog through posts I had downloaded to my RSS reader. I have been excited to read some of your posts, but disappointed that I can no longer use the links to read your related articles. I was wondering if there is a way you could put your blog in a type of ‘read only’ mode for temporary archive purposes? You seem to have a lot of valuable material. However, I respect your desire to take a break, so if it isn’t possible at this time, just know I will be a ready and eager reader when/if you decide to return.

  11. Passive Income Dude

    I’m so glad I found your guys’ website! I really like a lot of what you shared in your Goals tab as well, but thought I would just make one comment here. You are RIGHT in the answer being living frugally and making smart investment decisions! Keep up the passion!!

    I’m curious to know too what it takes to get added to your blogroll? Take care!

    Passive Income Dude

    1. Dividends Down Under

      Hey Passive Income Dude, thanks for checking out the blog 🙂

      We appreciate your kind words, you have to look after your whole financial well-being to succeed. Our blogroll is a list of blogs we have actively followed and have a connection with them. So to get on there, keep writing good stuff and keep blogging 🙂 I’ll go have a look at your site.

  12. Finance Solver

    Great to have found your blog also and thank you for stopping by my website. A fellow 20’s blogger who’s ready to take charge of financial future, that is fantastic. Looking forward to reading more posts!

    1. Dividends Down Under

      Hey Finance Solver,

      Thanks for visiting our blog! 🙂 The more we younger-bloggers can inspire ourselves, the better. Good luck and we’ll be following your journey.

  13. Mary

    I got to retire early (but not THAT early) following conventional wisdom. Now that I’m home and bored (j/k) I came with an idea to track growing a small sum of money 5% at a time (obviously wanting “times” to happen as frequently as possible). I’m blogging about it and the results have been way more than I expected.

    It’s cool to read of couples in other countries on this same quest for financial independence. I’ll be back and I’m cheering you on!

    1. Dividends Down Under

      Hey Mary, thanks for the support. We’d love to be in your shoes in a couple of decades, we’ll do our best!

      Good luck with your 5% idea, it’s definitely unique and I’ve never seen anyone do that before.

  14. Dave

    Been reading through your post history and love the investment strategy. I don’t currently invest in any individual stocks but would like to start, do you have any posts or guides that show HOW you guys invest? Things like which software / brokers you use (and why?) etc?

  15. Finance Journey

    I’m from Canada, and also a dividend growth investor. Great to see a like-minded people from other part of the world.

    I’m currently looking to diversified my dividend portfolio with international holding, hopefully your blog will help me to learn more about Aussie’s dividend stocks.

    Wish you best of luck in your success!


    1. Dividends Down Under

      Hey FJ, thanks for the very kind words 🙂 That’s one of the main things I love about reading DGI investing blogs, there are so many awesome things to learn. I hope you have a good time and can learn a few things.

  16. SMM

    This is a very humbling introduction and I’m very glad I read it! I wish both of you all the success in the world. Particularly surrounding the IVF process, I know people that have gone through it and am aware of the time, effort, costs and mental toughness and patient it takes. All the best in your financial and life journey and I look forward to reading about your accomplishments.

  17. LadyFIRE

    Hi guys, I’m writing a post about my ‘Earliest Money Memory’ and I’d like to feature a money memory from some of my favourite bloggers, so naturally I thought of you. Unfortunately I can’t find a contact form on your site 🙁 If you’re interested, can you shoot me an email at ladyFIRE74943 at gmail.com

  18. Mr Mofi

    Hey peeps!
    Just found your blog through twitter and wanted to find out more about you since your content is great!
    HUGE congrats on baby DDU!!! Super excited for you both, such a huge achievement 🙂 🙂 🙂
    We’re another young Australian couple on the path to FI. Great to meet others in the same boat, we’ll be following your journey over time for sure. We currently live in the US and will likely move back to Australia in the next 3-5 years to start our own family.
    Keep up the great work and posts. I’m impressed that you find time to post with a newborn and that your savings rate is anywhere close to 50%! Awesome work!


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