Five Reasons I Went On The Dave Ramsey Show

Dave Ramsey Show

In the Financial Independence (FI) community, the name Dave Ramsey always stirs up some debate. I get it, but Dave Ramsey was really the first catalyst for me overcoming some limiting beliefs. I am a fan of giving credit where credit is due. Here are five reasons why I chose to share my testimony on the Dave Ramsey Radio show. Gratitude For My Mentors I couldn’t have achieved what I have … Read more

How To Lower Your Healthcare Costs

How To Lower Your Healthcare Costs

After meeting some people at CampFI and talking about what I do for a living, I was encouraged to write an article about ways to be a smart consumer of healthcare. I work for a broker/third-party administrator and we insure a lot of small businesses. I know a lot about health insurance, at least in Ohio. Healthcare Cost According to the National Conference of State Legislators (NCSL), the average annual … Read more

Career Hacking As A FIRE Power

Career hacking As A FIRE Power

I absolutely loved the ChooseFI episode about career hacking with ESI from ESI Money.  I listened to it a couple times and realized this is probably my biggest FIRE power right now. ESI was kind enough to give me some career advice specific to my situation. This article is a reflection of that advice and the action I took. Career archive It shouldn’t surprise you that Ms. Fiology has a … Read more

HSA Study–How I Saved Thousands Switching To An HSA

I used to attend “Broke University” where most of my financial decisions were short-sighted, based on what I could afford today and ultimately resulted in a poorer me. I couldn’t see past what I needed right now. It was survival mode always and I often borrowed from Peter to pay Paul. There was no room for optimization or cost/benefit analysis in this lifestyle. I was stuck in the bottom level … Read more

Changing Your Mindset And Embracing FI

Changing your mindset and embracing FI

I’ve believed all kinds of incorrect things about myself ever since I can remember. Here are some examples: I’m not good enough. I don’t know what I’m doing. I don’t deserve to be loved. I need to be perfect. I’m stupid. If you had my life you’d be sorry too. For many years, I learned to live in spite of my skewed perception of myself. I rebelled, found ways of … Read more

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