When ‘frugal’ is not a nasty word

NAME: Serina Bird, 48

RETIRED: At 46

INCOME NEEDED: $60,000 to $70,000 a year for a family of four

INVESTMENT STRATEGY: Four investment properties, shares and aggressively paying down the mortgage. Selling one property and increasing her investment in ETFs.

SERINA TOOK THE PLUNGE by leaving the security of her well-paid public sector job in 2019. She says she is probably working more in retirement than when she was