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Now that I’m debt free, I wonder at the complacency with which I approached my debt. Why did it take me so long to want to get out from under it?

If you’re chasing financial independence on a middle class income, then you’ve got some unique challenges but that doesn’t mean it’s impossible! It just means it may take you a bit longer or you’ll have to make more sacrifices than others.

It’s not just about the cost– environmentally and financially– it’s about optimization. There is no point in having a big house that is a big waste of space.

The truth is that if you invest in the market for any extended period of time, you will experience market rises and falls. To ride the highs of the bull market, you will inevitably feel the sting of a correction or bear market.

This 2019 Financial Plan worksheet will help you plan out your financial goals, procedures, and action steps for the entire year.

Marriage (or any long-term relationship) is difficult enough on its own. By removing money as a possible point of contention, we feel like we have a stronger baseline partnership.

The poverty mindset and fear that I’ve carried for 28 years ruined my health, destroyed my faith and knocked me off my destined path multiple times. Not because I truly had something to fear but because I thought I had something to fear.

Just because your career helped to get you where you are does not mean you have to stay on that course.

Because I got to navigate college without a template. It meant I had the freedom to make my own decisions about what to study without any preconceived notions, a luxury that many of today’s college students rarely get.

I’m not used to failing to achieve goals I set out for myself, and I was really upset until I looked back at the past year.

It takes conscious effort to look seriously at things beyond the immediate future. You have to train yourself to start considering the long-term consequences of your daily choices and use them as a pro-and-con with those immediate choices.

We didn’t see the signs of the coming crisis. No one did. We were just a young family, busy living our lives.

If you aren’t buying (figuratively and financially) into this equation, what’s the next step? Redefine it for yourself.

Because I think gift giving ultimately boils down to something really simple: it’s a gesture of kindness, thanks, appreciation, or even love. It doesn’t have to be complicated, social media be damned.

The money he would get for it in town could also serve a valuable function, like maybe feeding his family. His kids can’t eat headlamps.