Veterinarian Adopts Low Waste Mindset to Become Debt Free - Michelle's Story

“You will be in debt for the rest of your life.”

That was my welcome into the veterinary profession. Starting as early as when I began my undergraduate studies, if I spoke with a veterinarian, the assertion that I would be in debt for the rest of my life would inevitably come up. Going less waste is what allowed me to break the cycle of mindless consumerism and believe in a future where we can be debt free. I’m so excited to continue to align my actions with my beliefs and can’t wait to see what we can accomplish once we have financial independence. 

Post Roundup: Money Advice for Nurses, Doctors and Those In the Medical Field

Wherever the art of Medicine is loved, there is also a love of Humanity.

After more than 30 years as a nurse (most in the ICU), my mother retired last year just shy of her 62nd birthday. It was her goal to retire before this birthday milestone. She shares her story her as immigrant nurse from the Philippines doing what she could do survive and thrive in a new country. For this blog post, I thought I would round up some of the more popular blogs and posts on personal finance from those who work in the medical industry.

Book Review & Notes: The Power of Zero - How to Get To the 0% Tax Bracket

Social Security was never intended to be a retirement program. It was merely insurance against living too long.

This month’s book review and notes are from The Power of Zero - How to Get To the 0% Tax Bracket and Transform Your Retirement. Learn more about David McKnight over davidmcknight.com and listen to his podcast via YouTube. Fitting since we are just about to close out tax season. Perhaps, the lessons in this book will change the way you manage your money to be more tax efficient now and always.

Post Roundup: Money Advice for Teachers and Educators

Today’s post is a little different. It’s a roundup post of money advice for teachers and educators. For majority of my posts here, I’ve written from the perspective of someone who was in the corporate world. By nature, being in the corporate world has it’s own unique system, terminology, career ladder, retirement, etc. After reading the TIME piece “13 Stories of Life on a Teacher's Salary” late last year, I was aghast at how little we pay and pay attention to the people that are shaping our children’s future.

To that effect, I think it’s equally important that teachers also take it upon themselves to do what they can to get themselves financial independent.

How to Maximize Living at Home With Your Parents for Your Financial Independence Journey

I  have to admit that 18, all I wanted to do was get out of my parents house. Not that I had any issues at home, I just felt I needed some independence. I was pretty lucky because my parents are awesome people. A few years ago, my husband and I came back to live with my parents. It's a strange feeling after being out of the house for over 10 years. So we ended up co-habitating with my parents in our 30s and I have to stay it was not as bad as they say it is. Here are some tips to make the most of this time.

Book Summary: The Little Book of Common Sense Investing

“The two greatest enemies of the equity fund investor are expenses and emotions.”

In honor of the passing of John C. Bogle, found of Vanguard and father of index funds, I picked up the updated edition of his book “The Little Book of Common Sense Investing.” I’ve heard of this book before, but never got around to picking it up. It’s a worthwhile book to read especially for those new to investing or those that need a refresher on the value of investing.

Investing 101 for Women: Resources for the Beginner Investor

The business schools reward difficult complex behavior more than simple behavior, but simple behavior is more effective.

There is absolutely no shortage of investing materials on the internet, but the problem is that there’s too much, it can be overwhelming where to even start. So to help you with that, we’ve compiled a list of resources, from YouTube videos, blog posts and books to help you navigate the world of investing. These are not your mother’s resources.

Book Review & Notes: Financial Freedom by Grant Sabatier of Millennial Money

When the opportunity to sign-up to preview Grant Sabatier’s new book Financial Freedom: A Proven Path to All the Money You Will Ever Need came up, I jumped at the chance and am so glad I did. It is jam packed with actionable insights. More importantly, it gives you a blueprint of how to achieve Financial Independence early on. There’s also an important question that Grant addresses “Why do you want to retire early?” Retirement while your fully financial independent is all about options and its all about choices.

The College Series: Student Travel on a Budget

“The only adventure you regret is the one you didn’t take.”

Whether you’re travelling during spring break, studying abroad, or treating yourself after graduation, travelling is a worthwhile thing to do as a young adult. Not only is it important to expose yourself to new places, people, and experiences, but the cultural exchange that occurs is invaluable and helps you become more understanding of the world around you.

Who is Responsible for Teaching Financial Literacy?

Develop a passion for learning. If you do, you will never cease to grow.


Who is Responsible for Teaching Financial Literacy?

This has been a question that has been weighing on my mind lately. I write and read a lot about personal finances and I wanted to figure out who really is responsible for financial education. I’ve observed a great deal of fear and hesitation when it comes to financial conversations, partly because many of us are just not used to it talking about the subject and partly because many of us aren’t well informed about finances.

19 Financial Moves for 2019

The best time to plant a tree was 20 years ago. The second best time is now.

Happy New Year! Another year, another 365 days of well-meaning resolutions. To help you achieve your financial goals, we’ve come up with 19 actions items to take into the New Year. Yes 19! Pick one or two to focus on the first quarter, then another two for the next quarter. Do not overwhelm yourself by doing too much.

5 Gift Alternatives Speed Up Your Financial Independence Journey

A wonderful gift may not be wrapped as you expect.

The holidays are a upon us and with it the struggle to find that perfect present. Maybe by now, you’ve told your parents that you don’t need anything. “Please don’t get me anything.” Well, perhaps, it’s time to re-think your holiday wish list and instead ask for a few items that will get you to financial independence sooner. These may be some items you’ve never thought about because when we think of presents, we normally always think tangible items. If you are tired of getting another sweater, time to ask for something better this year. It’s never too early to start planning for your financial future. Whether you are in high school, college or just starting out, a little financial help can go along way.

How to Gamify the Journey to FI

I thought I would sit down and see how we can gamify the journey to FI based on existing principles of how to engineer an addictive gaming experience. A game takes effort, takes time and takes a bit of strategy. In a similar vein, managing and optimizing your finances requires as much effort especially if you want to do the unconventional and reach the level of financial independence.

My Thoughts on Unleash the Power Within with Tony Robbins

“If you’ve got a billion dollars and you’re not grateful, you’re poor as hell.” - Tony Robbins

So it’s been a few days now since I left the Unleash the Power Within (UPW) seminar with Tony Robbins and I am still reeling. I’m a fan of Tony Robbins and found a lot of amazing insight from his book Money: Master the Game and from watching the Netflix documentary, I Am Not Your Guru, but nothing really prepared me to experience Tony Robbins live.

9 Ways to Reduce Student Loan Debt

Give a man an education and he will build a new world, but give a man a loan and you can own that man forever.

It’s been 10 years since I graduated from grad school. I still proudly hang up my diploma because it put me on a better path for my career and my income. It was also FREE. No loans, no debt, no soul to be sold. With that, I thought I might offer some ways to help reduce debt if you are a college student or have a child that is about to head to college.

Book Notes: Financially Stupid People Are Everywhere (4 Rules to Follow to Be Financially Smart)

“They sit mesmerized before advertising campaigns telling them to buy trifles they don’t need using debt they can’t repay.”

In “Financially Stupid People are Everywhere: Don’t Be One of Them,” Jason Kelly opens your eyes to the debt driven world we live in and what you’re up against in society.  He posits the only way to truly safeguard your own well being is to look after yourself. Provide security and ensure your freedom by following the 4 financial rules that will keep you from being financially stupid.