Financial Independence

I just googled what is the average cost of raising a child to age 18 and Google shot out $288,094. That was substantially lower than I expected. If I’m honest, I thought it would be well over half a million. I really wonder just how true that number is.    Regardless of the number, having …

LIVING BELOW YOUR MEANS   Last night, while hanging out with our kids, the topic of money came up. I immediately try to hold myself back. I want to become this human waterfall of knowledge that just spills over like Niagra Falls! But I must withhold. What I find super interesting, they immediately turn away …

What is your passion? What gets you out of bed in the morning? I know it’s not your job, otherwise you wouldn’t have made it this far. Write down five things that you are passionate about. Are they things? Are they people? Are they events? What is it? You will need to write this down. …

I want to start by saying I am not offering financial advice. Personal finance is personal and you have to do what is best for you. This is not legal or financial advice in any shape or form. It is simply what I have researched and what is working for me.    I follow the …

Emergency Fund.  This topic is up for debate. Some people love their emergency fund. Some people don’t see a need for one. I, personally, need the emergency fund. I want to know there is padding in case of an emergency.  What would be an emergency? I’m not worried about home appliances and car repairs. I’m …

The Steps to Breaking the Norm Step 1: DEBT BE GONE You’ve heard these steps before, and if you haven’t, they are a standard in the pursuit of financial independence. You will hear some variance between every financial independence guru. You have to find what works for you around the basics. I will give you …