Living the dream.

But their family had to wonder when they announced plans to retire in their early 30s to travel the world — and proceeded to do just that.

“At first they asked, ‘Did you win the jackpot?’ Like, where did the money come from?” Winnie Tseng told So Money, a daily podcast by Farnoosh Torabi.

“We even met an old lady in Mexico and she asks us like, ‘So when will your parents stop sending you money?’”

Three years ago, Ms Tseng and partner Jeremy Jacobson quit their jobs and embarked on what they hope will be 60 years of travelling the world.

Right now, they’re soaking up the rays on the Malaysian island of Penang, along with their three-month-old son Julian, after taking in Mexico, Guatemala, Taiwan and Belize.

Extraordinarily, the pair say they have amassed a multi-million dollar investment portfolio in a decade of frugal living on their combined $187,690 ($US135,000) salary.

To make it happen and overcome their humble financial backgrounds, the married pair sold their house and their car, committing to a no frills lifestyle in order to plough more than 70 per cent of their income into index funds on the stock market, for ten long years.

Now they travel the world living on dividends of $5561 ($US4000) a month.

“To get to a high savings rate, we cut spending in the areas that are typically the largest money drains: transportation (a car), housing, food, and entertainment,” the pair explained on their blog, Go Curry Cracker.

“By using a bicycle and the bus for transportation, living in a comfortably sized apartment in a walkable neighbourhood, and finding joy in home-cooked meals and nature instead of consumerism, we eliminated, or significantly reduced, our cost of living.”

Before embarking on their wealth building quest, the couple spent five to six years paying off their student loans.

“Many assume that you have to work 40 or more years to retire, or that long term international travel is only for college dropouts and dirty hippies living on rice and beans,” they write.

“It doesn’t require winning the lottery, inheriting a windfall, or getting lucky on some penny stocks. There is really only one thing that determines how quickly you could join us on the road: savings rate.”