Frugal Fitness Hacks For 2019

Frugal Fitness Hacks For The New Year

One of the most common New Year’s resolutions is to get in shape, and FI’ers are not excluded. But we look to do so in the most FI-optimized ways possible. Brad and Jonathan have discussed the benefits of home gyms versus paying for classes, but no matter what route you take, here are some tips to get started with a frugal fitness routine. The key is to experiment and optimize! … Read more

Applying to Colleges? Why You Should Consider Small Private Schools

Talk to almost anyone in the financial independence community about higher education and you will hear the same theme. Go to a community college, take as many AP tests as you can, only consider large public universities–this is the mainstream wisdom that seldom gets challenged. On the surface, all of this makes perfect sense–the tuition is cheaper at a state university and AP credits and college courses taken while you … Read more

Fat Is Not The Enemy–You Can Eat Bacon And Still Lose Weight

Picture an unhealthy food in your mind. If you are like most people, you probably pictured a hamburger and fries or some other fatty meal. We have been programmed to fear fat. In many cases this is true–fast food IS bad for you. Unfortunately, those great tasting fries are terrible for your body–but do we really understand why? Some fat is bad, and some fat is actually very good for … Read more

Why Walking Is A Great Way To Get Fit

We all want to get fit. So much so that we make New Year’s resolutions, try crazy diets, and overpay for gym memberships we never use. Good news, there’s an easy way to get fit and it’s super simple–just walk more. One of the easiest and most enjoyable types of exercise is walking. Here’s why: Most of us can do it: Once you have checked with your physician, most people can … Read more

Mindfulness, FI, And The Freedom To Choose

Mindfulness, FI, and the freedom to choose

The psychology behind why we pursue financial independence is most often about having the freedom to choose what we want to focus our time, energy, and money on. Although the movement began with FIRE, some people observed that many of us don’t necessarily want to RE (retire early), we want the freedom to choose how to spend our time. We understand that our values do not always line up with … 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

Confessions Of A Diet Coke Addict

I am a recovering Diet Coke addict. You may think Diet Coke addiction is not a real thing, but I can assure you my addiction met all of the medical definitions of an addiction. I started drinking Diet Coke in high school, around the time it was reaching peak popularity. In college and all through medical school, Diet Coke served as my main form of caffeine. By the time I … Read more

How I Lost 77 lbs, And How You Can Too

I’m like you, I work hard to provide for my family and, like most people, I let myself go at the same time. I work long hours and struggle to find the time for myself or for exercise. I’ve often relied on fast food, quick meals, and leftovers which quickly add up to tight pants. And my pants were very tight indeed. But I’ve changed all that, and you can … Read more

5 Questions To Ask Yourself When Deciding To Pursue A Master’s Degree

Should you get a Masters Degree?  The short answer is: it depends. This isn’t the sort of question where sweeping generalizations can be made. I can’t say “Everyone must have an advanced degree!” or, the opposite, “Universities are evil and you may as well light your money on fire!” The fact of the matter is there are lots of reasons why it might be a good idea for you, and plenty … Read more

Get Off The Hamster Wheel And Pay Off Your Student Loans Fast

Pay off student loans fast

The Financial Freedom Clock and the Countdown to FI begins once you have paid off your consumer debt. Now for the first time your savings rate is being redirected from debt repayment to buying your “perpetual money making machine” (FI). Sounds so simple, but the sad reality is that paying down that debt has become increasingly difficult. Digging a Hole Our culture has accepted that massive student loans are acceptable … Read more