Ruth Henderson is the creator of 'The Happy Saver,' a beloved New Zealand blog and podcast that brings personal finance down to earth. She transitioned from part-time work to full-time content creation, sharing her journey toward early retirement with honesty, humor, and heart. In this episode we swap notes with her on the financial independence journey of Americans vs. Kiwis (New Zealanders). She also shares with us:

• Her late starter journey to FI
• What inspired her to create 'The Happy Saver' to help everyday Kiwis reach FI
• A breakdown of New Zealand's surprisingly simple ecosystem including universal healthcare and pension
• How KiwiSaver operates similarly to US employer-sponsored retirement plans

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