Hacking College With Zero Debt

Hacking College With Zero Debt

A recent opinion-piece in the New York Times caught my eye. The column was applauding a college cost calculator published by several top-ranked private universities. I gave it a shot and liked the calculator well enough. It was simple, needing only 7 sets of information, required no personal information, and gave enough information to be useful. Here’s the link if you want to check it out. While several universities participated … Read more

How my son saved 2 years and $18,258 in college tuition

How my son saved 2 years and $18,258 in college tuition

One of the most difficult things that will slow down your path to FIRE is debt. And one of the most common sources of debt is the student loan. It sets your financial independence timeline back by years, and even worse, you gotta pay it off using post-tax dollars. Smarter people than me have figured out ways to optimize for financial aid and scholarships. Those tips are awesome, and we’ll … Read more

Coffee 101 | An Introduction to Perfection

Coffee 101 | An Introduction to Perfection

  I Get Ridiculously Excited About Coffee. I have been this excited about coffee for probably the last two years and it has been consistently one of my favorite topics of small talk that’s non-finance related. Coffee got me through pharmacy school, I didn’t like it but I drank lots of it. I needed the caffeine and coffee is cheap,  and available. Frankly, I was drinking total garbage and covering … Read more

F.I.R.E. Essentials: Low Cost Index Fund Investing

F.I.R.E. Essentials: Low Cost Index Fund Investing

Intro to Low Cost Index Fund Investing   Have you heard of low cost index fund investing? Investing your money in the stock market doesn’t have to be difficult or stressful and you certainly don’t have to spend dozens of hours researching to succeed for the long-term. In fact, I would argue that the most effective long-term wealth building strategy for the stock market also happens to be the simplest. … Read more

The Ultimate Costco Meal Plan | Part 2

The Ultimate Costco Meal Plan | Part 2

  The Ultimate Costco Meal Plan | Part 2 In Part 2 of the Ultimate Costco Meal Plan, we outlay the staples we purchase to crush the Grocery Bill This meal plan focuses on Simplicity and Repetition. It is well suited to buying in bulk at discount prices. We tailor 80% of our meals around what we can buy in bulk at Costco and fill in the blanks with special … Read more

Travel Rewards | Part 3 : Sweet Redemption

Travel Rewards | Part 3 : Sweet Redemption

Credit Card Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. Please see our disclosure page for more information  Congratulations you have now learned how to earn … Read more

Travel Rewards | Part 2 : The Chase Gauntlet | Card Opening Strategy

Travel Rewards | Part 2 : The Chase Gauntlet | Card Opening Strategy

Credit Card Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. Please see our disclosure page for more information So which order should I open the cards … Read more

Travel Rewards | Part 1 :Travel The World for Free An Introduction

Travel Rewards | Part 1 :Travel The World for Free An Introduction

Credit Card Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. Please see our disclosure page for more information My Wife Is From Zimbabwe. Her Family Still … Read more

A 2017 Analysis of the Dave Ramsey Baby Steps

A 2017 Analysis of the Dave Ramsey Baby Steps

My History With Dave Ramsey Since the 90’s The Dave Ramsey Baby Steps have been synonymous with personal finance for middle-class America. I’ve listened to many podcasts and I’ve read many blogs. Over all the years, one name stands out to me above most others and that’s Dave Ramsey.  I have been impressed by him for over 15 years.  Brad and I are a 6th or 7th generation media personalities. … Read more

Welcome to the Fishbowl: FI Experiments for 2017

Welcome to the Fishbowl: FI Experiments for 2017

We started ChooseFI.com as a financial independence laboratory.  While many aspects of your journey to FI are simple (save a significant percentage of your income, invest most of your money in low-cost index funds, max out your 401k, etc., etc.) there is still a lot of room for experimentation, especially on the making money side of the equation. We know you might not have the time or resources to run … Read more

Early Retirement: 20 Must Read Websites To Retire In 5 Years

Early Retirement: 20 Must Read Websites To Retire In 5 Years

Interested in Early Retirement

Early Retirement should be attainable for everyone. Do you want to be financially independent in 5 years. Not sure where to start? These 20 websites will give you all the information you need. for free. This is a living list and will be subject to change as the quality of content available continues to grow.

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Congratulations! You’re Broke

Congratulations! You’re Broke

Well, maybe things aren’t so bad. As of July 4th, 2016 my retirement accounts matched the remaining balance on my student loans. Neither of those numbers is particularly impressive but it allows me to claim a net worth of $0. Net worth is a snapshot in time, it does not define you or even give you a good idea of where you are going. Instead, we need to look at savings rate and the trend over time

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The Ultimate Costco Meal Plan | Part 1

The Ultimate Costco Meal Plan | Part 1

You need to think about food budgeting America has a food obsession. We have grocery stores at every major intersection, restaurants on every corner and fast food chains to fill the gaps in between. I have talked to many of my neighbors and those conversations mirror the statistics I read online. Most of middle-class America’s disposable income goes to food. Grocery and the food budget can range anywhere from $500 … Read more

The Reluctant Frugalist

The Reluctant Frugalist

Frugal Living is the Fastest Way to Financial Independence

So I’m not naturally frugal. I don’t crave minimalism or get express enjoyment from having less. If I could drive a massive 2016 Silverado without payments I would probably go for it. But, I am a practical frugalist. I realize that the dollars and cents add up, and a dollar saved now is a dollar I can put to work for me down the road. Frugalism is a means to an end for me. The end goal is Financial Independence. I want to work because I want to, not because I need to.

Read moreThe Reluctant Frugalist