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