Personal Finance

A couple who ditched their 9-5 jobs years ago to travel the world explain how they afford it

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Nick Wharton and Dariece Swift work in the sun on Holbox Island, Mexico.  Goats on the Road

In February 2008, Nick Wharton and Dariece Swift returned home to Canada from an all-inclusive vacation in Mexico.

"We felt like we got a taste of the tropics, living the dream," Swift remembers. "We did a day trip and took these ATVs out and went through the jungle and the local villages, and it was so different from home that it kind of triggered something."

That something came to a head about a month later. "Nick had a brutal day at work and said, 'That's it,'" Swift recalls. When he asked where she'd go if she could travel for a year, she was quick to answer: Southeast Asia.

Only nine months later, they sold their house, car, and most of their possessions, set off for Southeast Asia, and have been figuring out how to support their adventures as they travel ever since.

Now 30-year-old Wharton and 31-year-old Swift detail their adventures on their website, Goats on the Road, and here, they explain how they make it work.

Once they decided to leave Canada, Wharton and Swift spent the next nine months saving up about $30,000 to finance their year in Asia. Wharton, who was working as a printing press operator and on the Canadian oil rigs, and Swift, who was a real estate paralegal, were earning over $100,000 CAD a year, combined.

The perfect day in paradise. #grenadines #beach #tropics #travel #caribbean #paradise #love #instatravel

A photo posted by Nick & Dariece (@goatsontheroad) on Sep 23, 2014 at 7:42pm PDT

 In Grenada.

They stayed in Southeast Asia for 13 months, traveling through 11 countries including Thailand, Cambodia, Vietnam, Laos, Malaysia, Borneo, and Indonesia. They then returned to Canada for a year, working 80-hour weeks to shore up their savings for another trip abroad.

In Guatemala, enjoying views of Lake Atitlan and Toliman Volcano.

"Our mindset had changed," says Wharton. "We weren't making money, we were making travel experiences. I would work an hour and think, 'This hour is buying me a day in Thailand.'"

The incredible colours of Mexico! #ttot #travel #digitalnomad #Mexico #cactus #colourful #instaphoto #instatravel #picoftheday #pink #goatsontheroad

A photo posted by Nick & Dariece (@goatsontheroad) on Mar 21, 2015 at 12:18pm PDT

 In Mexico.

They headed off again for a 16-month trip through Africa, Asia, the Middle East, and Europe. In 2012, they went to China to spend a year earning about $1,300 a month teaching English.

A perfect day for wake boarding & water skiing...with an even more perfect drop off at shore! Nice driving and dismount :)

A photo posted by Nick & Dariece (@goatsontheroad) on Mar 29, 2015 at 12:41pm PDT

In Guatemala. 

After reading articles about how other travelers supported themselves through blogging on the road, they decided to set up their own site. "Neither of us have degrees, and we don't have experience with computers or blogging," says Wharton. "We started it then, and for the year in China we started working at it."

Next, Wharton and Swift took the Trans Mongolian and Trans Siberian railroads through Mongolia, Russia, and the "stan" countries. "Since we left China, our only source of income has been through our blog," Swift says.

"Definitely with travel blogging, you have to put in the time," says Wharton. "We put in a year and didn't make any money. In June 2013 we made $550 from advertising." Over the course of the year, they earned $500-$1,500 a month, and every year since then their income has doubled.

In Havana, Cuba. 

Currently, their blog, Goats on the Road, earns them about $3,500 a month. In a strong month, they earn over $5,000.

 At Playas del Este, Cuba.

They've also begun exploring other ways to generate income as they travel: freelance writing, an ebook in the works, and video production for local hotels and attractions, using footage from the drone they recently purchased.

In Grenada, flying the drone over the home they're sitting.

Wharton says that although their earnings "don't sound like much" compared to their wage in Canada, "If you calculate what we were spending in Canada, we calculated that we were spending $3,500 a month on things that didn't bring us any happiness." They currently work no more than four hours a day, five days a week.

Along with earning money on the road, the other piece of Wharton and Swift's strategy is to cut their expenses. One of the major ways they do this is by never paying for accommodation, instead taking gigs as house and pet-sitters.

The rains are finally here! We had a gorgeous rainbow last night, which arched over this abandoned home.

A photo posted by Nick & Dariece (@goatsontheroad) on Jul 4, 2015 at 4:26am PDT

In Grenada. 

After filling out a profile on TrustedHouseSitters.com a few years ago, they say they get offers for stays nearly every day. "The more you do it, the more chances you have," Wharton says. In between gigs, they use the money they've saved to take shorter-term trips through nearby countries.

It's time for our online Spanish lessons with Spanish Marks 😊👍🏻 We love doing online classes 'cause we can wear our PJ's!

A photo posted by Nick & Dariece (@goatsontheroad) on Jul 15, 2015 at 9:55am PDT

 Taking online Spanish classes in Grenada.

Currently, they're house and pet-sitting in Grenada, where they've been for a few months. "The best part is you're really living like a local, in someone's house in a neighborhood," says Swift.

Walking Pumpkin the dog in Grenada. Their new ebook will make the most of their familiarity with the island, expanding on their popular blog post "61 awesome things to do in Grenada."

"Our neighbors are Grenadian and we have Grenadian friends," adds Wharton. 'Usually the people that offer the house introduce you to their friends, so you kind of immerse yourself right away."

Flamboyant trees are one of my faves. Right now they're blooming all over Grenada 🌺😊❤️

A photo posted by Nick & Dariece (@goatsontheroad) on Jul 14, 2015 at 8:59am PDT

In Grenada. 

Because of their website, they're sometimes also invited to stay at hotels and resorts for free, and Wharton is offered complimentary opportunities to scuba dive.

Even on a rainy day, this place is still paradise! 😊

A photo posted by Nick & Dariece (@goatsontheroad) on Jul 25, 2015 at 1:35pm PDT

A rainy day at the house they're sitting in Grenada. 

Wharton says that the best thing people who want to travel long-term can do is "just jump. And once you jump, just ask. We find if you have the courage to ask for what you want, you might get rejected 100 times, but the one time it pays off, those things snowball and you end up getting way more opportunities."

This is one of our favourite walks on the island, the Blow Hole! Spare Dog loves it too :)

A photo posted by Nick & Dariece (@goatsontheroad) on Aug 7, 2015 at 11:53am PDT

 Walking Spare the dog at the Blow Hole, Grenada.

"Anyone can do it," he continues. "We have no prior experience. Don't think about how much money you need — just that it's possible to travel and live the life you want."

J'ouvert 2015! Good times wining and jabbin'. Thanks Grenada for showing me an awesome J'ouvert 👍🏻 #carnival #spicemas #mas2015

A photo posted by Nick & Dariece (@goatsontheroad) on Aug 11, 2015 at 6:12pm PDT

Celebrating Carnival in Grenada. 

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Libby Kane was a personal finance expert who has reported and edited stories about money for more than 10 years. She previously held the Certified Financial Education Instructor (CFEI) certification issued by the National Financial Educators Council.Experience She has written and edited articles on everything from investing tips to model budgets and has interviewed dozens of authors, financial planners, and early retirees to share their advice, experiences, and insights with a global audience. Before joining Business Insider in 2014, she was an associate editor at LearnVest, a personal finance site to help women learn about money. Her work has appeared on sites such as MSN, AOL, Forbes, Slate, and The Street.Her team at Business Insider has tackled projects including:• Women of Means, a series about women taking control of their finances• Inside the Racial Wealth Gap, an exploration of the causes, effects, and potential solutions of the racial wealth gap in the US (finalist, Drum Award, "Editorial Campaign of the Year," 2021)• Strings Attached, a series of essays from people who have left insulated communities and how that journey affected their relationship with money• Master Your Money, a year-long guide for millennials on how to take control of their finances  (first runner up, Drum Award, "Best Use of Social Media," 2022)• The Road to Home, a comprehensive guide to buying your first house (silver award winner, National Association of Real Estate Editors, "Best Multi-Platform Package or Series – Real Estate," 2022)Libby believes in one universal truth about money: Advice is never for everyone. The best strategies, tools, and products depend on your preferences, financial situation, history with money, and goals.ExpertiseHer expertise includes:• Behavioral finance• Early retirement• Budgeting• Saving moneyEducationLibby holds a bachelor's degree from Wellesley College.Outside of personal finance, Libby enjoys reading, baking, and walking her dog.