How Hitting Rock Bottom Put Me On The Path To Financial Independence

How Hitting Rock Bottom Put Me On The Path To Financial Independence

So I have a pretty dramatic testimony, and I plan to be raw about it here in hopes of inspiring you. I’ve made a TON of financial mistakes and just recently discovered FI and before that Dave Ramsey. This has all occurred in my late 30’s/early 40’s. I’m a late bloomer. Where I’m From I grew up in middle-class America and somehow felt like everyone but me got the manual to … Read more

Hacking College With Zero Debt

College Hacking

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

College Hacking Dual Enrollment

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

  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

Index Fund

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 deals … Read more

Travel Rewards | Part 3 : Sweet Redemption

Congratulations you have now learned how to earn more points in one year than your neighbors or Facebook friends will earn in a lifetime. Now, what the heck do you do with them? Let’s discuss the 3 options for redeeming these Chase Ultimate Rewards points These Chase Ultimate Rewards Points are chilling in your account until you choose to use them. The first and WORST option is to redeem them for … Read more

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

The Chase Gauntlet

It’s no secret that we’re huge fans of Chase credit cards! We find their Ultimate Rewards currency to be the most valuable of all the transferable point currencies. These points are currently transferable to 13 different airline and hotel partners. The four we get the most value out of are: United Hyatt hotels Southwest British Airways It’s important to remember that once they are transferred out of your Chase account … Read more

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

My Wife Is From Zimbabwe. Her Family Still Lives There. Anyone that marries someone from another country might appreciate what I am about to share. We try to visit her family every other year, and there are financial implications for that decision. A flight to Zimbabwe cost anywhere from $2500 to $4000 depending on the time of year. And we would need two tickets. That is not something you can … Read more