About the Wealth Goblin
35, living in Thailand, unreasonably obsessed with one thing:
"Don't touch the investments. Feed the pile. Buy back time."
For the last decade, I've been grinding a vacation rental business. It got absolutely smashed during COVID, survived, and came out the other side leaner, more automated and capable of throwing off serious cash for half the year (the other half mostly disappears into maintenance, staff, and keeping the machine alive).
Along the way I also built and co-built some AI businesses. Between them they've cashflowed close to seven figures in revenue, but it's not just me — there are partners, staff, GPU bills, and all the usual chaos that comes with "AI going brrr."
The twist is: I never turned that into a flashy lifestyle.
I live in Thailand, keep costs relatively low, and run a pretty optimised setup: don't bring money into Thailand you don't need, don't pay tax on what you don't remit, and hoard as much of the surplus as possible into:
- 💰Dividend portfolios
- 📊Boring bond funds (like my beloved SMIF)
- 💷Other cashflow assets
The Wealth Goblin is just the name I gave to that system.
It's the part of me that gets unreasonably excited about financial optimization and building systems that work while I sleep.
It's the part of me that:
- →Says "no" to unnecessary upgrades so Future Me can take a full year off.
- →Treats dividends and bond coupons like sacred offerings to the goblin fire.
- →Gets more excited about an extra £100/month in passive income than any new gadget.
- →Wants financial independence not to flex, but to wake up one day and say, "If everything went to zero tomorrow, we'd still be okay."
Right now, the Wealth Goblin is closing in on a very real number:
a level of invested wealth and monthly income that means work becomes optional within about a year.
No guru. No mastermind. No secret hedge fund.
Just one goblin, a decade of grind, some lucky timing with AI and real estate,
and a refusal to touch the bonfire of wealth until it's big enough to light up the rest of our lives.