About Me
From trading 40 hours a week for a paycheck to building systems that work for me.
The Short Version
I'm a cyber security penetration tester who spent years believing the formula was simple: work hard, get promoted, earn more. Then I calculated how long that would take to actually retire and realized I was on the wrong track.
The FIRE (Financial Independence, Retire Early) movement showed me a different math. I started tracking every dollar, building side projects, and automating everything I could. Within 3 years, I went from "I'll work forever" to "I could stop whenever I want."
Now I build tools, write about what I've learned, and document my process to reach my goal of having a digital nomad lifestyle. The goal isn't just retirement—it's having the freedom to do work that matters to me, on my own terms.
Quick Stats
The Journey
The Wake-Up Call
Working 40+ hour weeks as a cyber security penetration tester. Realized trading time for money was a broken model.
FIRE Discovery
Discovered the FIRE movement. Calculated my number: $750,000. Started tracking every expense and investing in ETF's.
Remote Work Transition
After COVID we all started remote working. Gained location independence. First international workation in New Zealand.
First $100K
Aggressive saving. Hit $100K net worth. The compound effect started clicking.
$200K Net Worth
Continued my aggressive savings, and took a 3 month vacation. Travelling around Europe and South-east Asia.
Travel & Instrospection
Continued to travel around South-east Asia, looking for the path that I really wanted to live.
Building in Public
Launched jermz.io. Documenting the journey. Helping others accelerate their own FIRE and digital nomad paths.
Currently
Building tools that automate the mundane, writing about financial independence and location independence, and exploring what's possible when your cost of living is a fraction of your earning potential.