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The 7 Best Cash Back Sites In 2021

One great way to optimize your spending is to use cash back sites. When used to make purchases that you already plan on making, they can be a useful tool. Best of all, these sites often require limited effort on your part. If you are pursuing Financial Independence, it is important to remember that small …

OnTrajectory Review: The Site For Financial Independence Calculators

Everyone’s journey to FI is different. It’s important to know what YOUR journey looks like. You can’t know if you are on track unless you run your specific numbers. Comparing your journey to someone else’s won’t help you. Doing better or worse than someone else doesn’t mean anything to your own journey. Enter OnTrajectory. The …

7 Cheap Date Ideas Out On The Town (Because They Can’t All Be At-Home Date Nights)

Has date night gotten lost somewhere between saving towards your early financial independence dreams and the realities of your cost of living? Want to know some cheap date ideas? If you’re anything like my husband and me, you go on a lot of at-home date nights. We’ve had some pretty off-the-hook ones over the last …

165 | Do You Need A Budget? | YNAB

The founder of YNAB, Jesse, joins Brad and Jonathan to share his story. YNAB or You Need A Budget, was founded in 2004 and currently has over 100 employees. Jesse’s Story The need to budget became a reality when he got engaged to his wife Julie. Based on their incomes, they knew that they needed …

How To Save Money On Laundry

If you’re working towards FI, you know how important it is to save money on every expense you have. You can save money on virtually everything with just a little work–and that includes how to save money on laundry. When I first started budgeting and working on saving money, I knew how important it was …

Practical Tips for Negotiating Medical Bills

If sudden and crippling medical debt can happen to Clayton Bruce, it can happen to you. In the fall of 2016, Clayton and her husband John were on their way to FI. They had paid off nearly $100,000 in debt, and the only debt they had left was their mortgage. Additionally, they had banked $5,000 …

Income-Based Repayment Plans: Are They Worth It?

One of the unique benefits of federal student loans is the ability to choose one of four income-based repayment plans. The beauty of income-based repayment is that your payment scales up and down with your income. But, as with any federal program, understanding the various income-based repayment plans and their accompanies rules can be a …

How To Have A FI Holiday: 6 Gift-Giving Ideas That Will Keep You on Budget

Giving gifts is one of the biggest stressors of the holiday season. The key is planning carefully for your seasonal spending. If you don’t plan, you can easily watch your spending skyrocket in December. It’s easy to get lost in the commercialism and hard to reign in the buying. It’s even more difficult to help …

155 | FI For Single Parents| Leslie Tayne

Leslie Tayne opens up to Brad and Jonathan about her journey as a single parent, financial problems in her first marriage, and how to move forward from debt. Leslie’s Story Leslie’s money story starts in her childhood. In her parents’ marriage, her father controlled the money. So naturally, when Leslie got married she fell into …

How To Find Affordable Wedding Dresses

The dress I wore on my wedding day made me feel like a princess. It fit like a glove, shimmered like a diamond, and was everything I ever dreamed of wearing on my big day. So I wanted to tell the FI community on how to obtain affordable wedding dresses. It also cost less than …

153 | RIP Medical Debt | An Inside Look At Debt Collection And Forgiveness

Medical debt has the power to seriously hurt your financial future. Many Americans are faced with unavoidable medical debt that has crippled their financial situation. RIP Medical Debt is a nonprofit working to forgive medical debt for pennies on the dollar. They share their background and the amazing progress they’ve made. Medical Debt Both Craig …

150R | Goals vs Systems

Building your blueprint to FI starts with the basics. A simple thing like tracking your spending can set you on a path that will change your life forever. Today, we get back to FI 101 and uncover the stark difference between goals and systems. What Will Life After FI Look Like For You? As you …