All in Financial Story

An Environmentally and Socially Conscious Path to FI with Laura Oldanie of Triple Bottom Line FI

I don't want to protect the environment. I want to create a world where the environment doesn't need protecting.

Back in June I launched a financial independence blog, not because I wanted to, but because I needed a way to crowdsource the information I haven't been able to find anywhere else on the internet. What is it that I couldn't find on the vast internet, where all the answers to so many of our questions are just a Google search away? Well, no search engine was able to lead me to any websites discussing how people can achieve FI while pursuing a triple bottom line, which equally values people, planet, and profit (3p). I think it can be done, but it's not as straight forward as setting up monthly automatic deposits into low-cost broad based index funds or investing in rental properties and later living off the 4% withdrawal rule, which seems to be the mainstream approach to FI currently.

Balancing It All To Become Debt Free: Ginny's Story

I pretty much expected to be in debt for the rest of my life.

I graduated in 2011 from a private liberal arts college with a degree in Theatre and over $25,000 in debt. In addition to that, jobs were scarce when I graduated and I was unable to secure one directly out of college. I bounced around from job to job, industry to industry, city to city, making just enough to cover my bills and even save a little before settling in Buffalo in the fall of 2013.

Waking Up to the Idea of Financial Independence: Nancy's Story

Same shit, different day.

Throughout my life and as long as I can remember, I had always done everything exactly as I was told to do.  Early on I completely bought into the “get good grades, go to school so you can get a secure, high-paying job for 40+ years” and live happily ever after according to society.  

It wasn’t too hard for me to buy into this concept - I’m a bookworm and nerd, my curiosity never satisfied, and naturally gravitated towards doing well in school.  I was an exemplary future employee - doing what I was told so that I would be taken care of.

An Immigrant Nurse in America: Completing the American Dream

I immigrated to the U.S. in 1987 at the age of 31 on a working visa during the "Nursing Shortage". It was my first time out of my home country of the Philippines. I had studied nursing and worked in a small town hospital a few years post college, but I itched to go somewhere new. With a lot of hard work and luck, I passed the U.S. Licensure Exam on my first attempt so I escaped the threat of deportation.

Making Mistakes on the FI Journey: Catherine's Story

I came from the Ramit Sethi school of "I will Teach You To Be Rich" and Suze Orman's "Young, Fabulous and Broke". I knew I was supposed to save money, save for retirement, optimize my earnings and I did just that early on, I just didn't truly understand why until I was laid off a few years ago. The concept of retiring early didn't sink in for me until very recently. 

Getting the FIRE Journey Started: Anna's Story

A year from now, you will wish you had started. 

“Is this what it’s going to be like for the next 40+ years”? That was the thought that ran through my head back in 2006. Before I started my first real job, I did a trial run to get to work. The commute was an hour long. When I first took that early train, I was surprised how different the energy (or lack thereof) was compared to the weekend trains. I squeezed into one of the last remaining seats, the middle spot of a three-person seat. Everyone seemed to be in their 30s-50s, sleeping, reading newspapers or zoning out. I guess this was adulthood.