A 3-fund portfolio, a no-kid lifestyle, and a 'die with zero' mindset: How one NYC couple is retiring in their 40s

Financially independent couple Josette Chang and Alexander Nathanson

Courtesy of Josette Chang and Alexander Nathanson

• Josette Chang and Alexander Nathanson paid off their mortgage early and hit financial independence in NYC.
• The couple has a simple investment approach and embraces a "die with zero" financial mindset.
• They've also avoided lifestyle creep and are intentional with how they spend their money.

Alexander Nathanson always wanted to live in Manhattan.