Court, Nic, and Finn are a financially independent family enjoying the freedom to live life on their own terms. They run the blog Modern FImily.

Court and Nic are (same-sex couple) and Finn (baby girl) have been financially independent since 2018 when Court was 32 years old and Nic was 30.

Both of them started with a lot of student loan debt. US$130,000 between the two of them.

Court saw her parents make unwise financial decisions and decided she didn’t want to follow the same path, so she was very aggressive in paying down her student loans. She paid her part of the student loan debt ($70,000) in two and a half years.

Nic also was in a hurry to pay her student loan debt and paid her $40,000, also in two and a half years.

This was their mindset, to live frugally and without debt. Once they paid their student loans, they continued saving. Then they decided to buy a house, but instead of buying the usual starter’s home for a regular family, they bought a short-sale in Florida (a short sale is when a homeowner in financial distress sells their property for less than the amount due on the mortgage.) They rented out three of the bedrooms and that accelerated their mortgage payout. They were able to pay off the mortgage in two and a half years.

When Court and Nic moved to Calgary, Canada, they rented out their house in Florida, and that provided for the rent money in Calgary.

In addition, they have always been careful with their money. They have always used low mileage vehicles, don’t eat much in restaurants.

Now that they are financially independent, they get to spend time with their little girl Finn and just enjoy life without the stress of having to figure out how to pay the rent or to pay for food. One of their goals is to have one more baby in 2021.

We spoke about the lifestyle of being a same-sex couple and whether they have faced any homophobic issues.

Having a baby as a same-sex couple. Court and Nic selected to have a baby through artificial insemination. Their probability of success was only 20%, but the procedure was a success from the first try. The cost was only $3,000.

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