financial independence

I don’t think society gives the trades the tip of the cap that it deserves. It is looked down upon as a “lesser” job sector in our economy.

Choose a job you love and you will never work a day in your life.’ It’s a nice saying, no? It gives off such a sense of control.
Too bad it’s completely false.

You will have to be more creative, earn more, or simply wait a few extra years to hit your magic numbers. Each person or family is on their own path!

It’s so clear how these principles can affect an entire generation of African Americans. We consider the wealth gap to be a crisis, and we’ve seen firsthand how transparency around money has changed our marriage for the better, and improved our financial outlook. And raising a son in a debt-free household changes the way that we parent, it changes the choices that are available to us.

Looking at the math, he’s absolutely right — my response to spending impulses (hobbies, clothing, electronics…) determines whether I spend my life doggy paddling and gasping for air or become an olympic swimmer.

The mundane choices we make every day reverberate years into the future.

Happy Black Friday! As the hustle and bustle of the holiday shopping season officially starts, here are a few of the best posts about …

About 78% of full-time workers are living paycheck to paycheck, according to a recent poll, even while earning a decent salary. However, since they do not know what exactly they are spending on, most people end up throwing away money that could have been saved.

Based on my quick calculations, if we could save an additional $500 per month from here on out, we could not only lower the amount we need to save to reach FI by $150,000 – $171,000, but also shorten our time period to FI by about 1.5 years of our already aggressive goal of 9-10 years.

The season of giving is upon us! Whether you’re considering giving away some of your money, some of your time, or even something else, …

The first $100k is such a pain because most of it is purely based on how much you save. When you have less than $100k, you have very little investment returns helping propel your net worth higher. It’s all about how much money you can throw in your bank account each month.

You can become a control freak with your money. But at some point, you have to understand that you cannot control everything. Use your precious energy and time for things that you can actually control. Leave the other stuff for the universe to figure out.

The results are staggering. The spending and earning lines move further apart from each other every year by a bigger amount. That’s a gap that’s improving by leaps and bounds.

I’m going to educate you on the cold hard facts about why planning to work into your late 60’s or 70’s will not work – and what you can do about it.

In 2016, Sergio and Shannon sold 90% of their belongings and embarked on a year-long travel adventure that spanned 3 continents, 18 house sits, 23 countries and 60 cities, all while only spending $16k. Now, nearly two years later they’re still traveling and house sitting full time!

With my history of settling for jobs to pay the bills, I had bought into a mindset that following your dreams was impossible. It didn’t happen all at once either. Because I am the type of person to fully commit to what I am doing, I slowly formed underlying beliefs that following my passions was a fool’s errand.