"The couple went from pricey New York City rent to a monthly mortgage, and, eventually, to an incredibly low housing payment when they paid off their mortgage early in 2024. For the past year and a half, their only housing expense has been the monthly maintenance fee that comes with co-op living. Business Insider reviewed public records filed with the New York City Register that confirm the couple's mortgage was paid off in September 2024."
"That same year, Chang quit her finance job and began early retirement. Nathanson, a physician specializing in obesity medicine, scaled back his hospital hours. As of February 2026, the financially independent couple comfortably lives off Nathanson's part-time salary. They could draw from their investment portfolio if needed, but they haven't had to. Eliminating their mortgage played a major role in reaching that flexibility."
Alexander Nathanson and Josette Chang bought a Midtown East co-op after marrying in 2018, moving from rent to a mortgage to stabilize housing costs. They paid off their mortgage in September 2024 and now only pay co-op maintenance fees. Chang quit her finance job that year to begin early retirement, and Nathanson reduced hospital hours as an obesity medicine physician. As of February 2026 they live off Nathanson's part-time salary and have not needed to draw on investments. High early income, limited debt, aggressive savings, avoidance of lifestyle creep, a simple investment approach, and a 'die with zero' mindset supported their financial independence.
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