How I Was Set On FIRE

My first “technical” introduction to Financial Independence (FI) was in 2012. It came down to one exact moment, and I remember the exact words I said to myself. I was in a Christian thrift shop, thumbing through the books. It was there I picked up a copy of Dave Ramsey’s Total Money Makeover (the cover where he is cutting a credit card with scissors). I looked at the book and … Read more

What It Means To Be A Valuist: Start Living With Intention

What It Means To Be A Valuist: Start Living With Intention

On a recent podcast, Brad talked about being a valuist. As we’ll see in just a moment, being a valuist may just be the perfect balance between being a minimalist and a frugalist. Here at ChooseFI, we don’t just want you to just regurgitate our ideas or mimic our behaviors. Instead, we want to empower you to live intentionally. We want you to figure out what you want out life and … Read more

How Not Being Able To Pay Our Taxes Changed Everything

Three especially important things happened to our family last year: Our fourth child was born. We went broke. We started our debt-free/FI journey. It was a big year. 2017, A Year of Reckoning In April 2017, Señor Firelit and I sat down with our accountant to do our 2016 taxes. At the end of the session, we realized this: come tax day, we would owe $23,000. To our names, we … Read more

Reaching Financial Independence Without Index Funds?

Ask any parent and they will likely have blocked out part (or all) of the first few months of their child’s life. Not because it wasn’t awesome, terrible, life-changing or amazing, but because they’re so stinkin’ tired all the time. This is the delirious state that I found myself in when I first learned of the term, Financial Independence (FI). While the rest of the world slept blissfully, I stumbled … Read more

Why We Stink At FI–But Are Doing It Anyways

Why We Stink At FI--But Are Doing It Anyways

Hey everyone! Working mom here supporting a family of four. Budgets are tight, but I know my plans are tighter. Our work lies ahead of us and I’ve been excited about it since day one of this journey. However, we probably aren’t the best example of a FI fam and here’s why: We have student loan debt and it’ll be around for quite some time. My husband is still carrying some … Read more

The Moment My (FIRE) Life Started

The Moment My (FIRE) Life Started

Well it wasn’t actually a single moment, it was a series of moments which led to another moment. The Trudge “Trudge” verb – walk slowly and with heavy steps, typically because of exhaustion or harsh conditions. Synonyms: plod, tramp, drag oneself, walk heavily, walk slowly, plough, slog, footslog, toil, trek, clump, clomp, lumber. It started one day when I left the train at my station on the way to work. As with most train stations in the middle of a big city, all … Read more

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