Imagine you have $100.

Would you rather use that $100 to save $2.75? Or would you rather have that $100 earn $5.00?

The first represents paying extra toward your mortgage. The second represents putting the money in a no-risk vehicle like a high yield savings account.

>being an independent woman with no kids and no office job, this may seem repelling to potential partners.

To who? Mike Pence?

You're an absolute unicorn.

But see, that’s the thing.  Once I quit, there’s no way I want to go back to work.  And it’s not going to take another 10-20 years to get to a very comfortable number.  

It’s more like: I could RE in the next 2-3 years but if I go for another 5 years then there’s almost zero chance that I’ll have to pinch pennies when I quit.

[here is a comment where I worked through the math of the analysis.](https://old.reddit.com/r/personalfinance/comments/16jcmnh/early_mortgage_payoff_interest_savings_math/k0qox0x/)

you arent doing the math correctly, so your analysis is flawed.

this can go two ways

1.  It’s suspicious when people don’t have connections and hard when you need references 

2. If you’re in marketing then you need to stand out and it’s difficult in order to get the very good opportunities if you don’t create that presence

The saying “it’s not what you know, but who you know” isn’t completely inaccurate. You can be the smartest and hardest worker in the room but with no one to support and advocate for you, you likely won’t move up fast or make it far. In every job I have had I have made it up the ladder because someone has wanted me to be there.

No difference at all as your gross income from both outcomes in 2025 will be identical.

Great question. I use AI for both my personal and professional life on a daily basis now. At this point, being a daily user, I truly believe AI is like what tractors did to farming. It won't completely replace humans but we'd probably need 1 human instead 10 for almost every job out there.

**Here are some ways I use it professionally**

1. I use Cursor to write code. It makes it about 20% faster to write code overall. Worth it IMO
2. I use Frizerly to automate blogs for my saas. Better than random freelancers imo.
3. I use V0 by Vercel to sometimes prototype dashboards for MVPs of products I want to launch.

**Here are some ways I use AI in my personal life**

1. To count calories: I use ChatGPT to approximate calories for things I am making. It is much more accurate and better than Google, MyfitnessPal etc imo.
2. Recipes: I use ChatGPT to give me the simplest recipe with least number of steps excluding all optional steps and it is great if you are lazy and want to skip all the fancy steps
3. To learn: Lot of things I used to Google or use Wikipedia to learn like world politics etc, I now ask ChatGPT instead. Much faster and less biased imo.

Curious to learn how other people are using AI :)

My mom went to school and became a teacher at 48. She says it was the best decision of her life

In the end, when you do your taxes, it only depends on your gross salary. Should be taken out as regular salary/hours when cashed. Even though bonuses are usually taxed higher when given, the actual tax rate only matters at the end of the year.

I assume you're in the US where taxes arent easily straightforward

There’s an irony inherent to FIRE culture, which is that RE assumes that people who have been scrupulously responsible about finances will step off a ledge into the unknown. So I get why it worries people. On the other hand, what I always say is this: Anyone who has at least a few million in net worth at a young age will likely be able to navigate some choppy waters and unexpected financial events. That’s a type of person I’m willing to bet on in general

I think you do need to network if you’re looking to climb the corporate ladder and be a top achiever.

I don’t think it’s necessary if you’re competent and see your job just as a means to make money.

I'm sorry this is happening to you--it's a confusing time.

I met a single 44 YO woman with no kids and I married her.

She's lovely.

When do you get your annual raise?

If it's between April and when you plan to quit, wait to get paid out when you quit, so you're paid out at a higher rate.

Congratulations!  And if you think it’s good at 29, stay on this path for another decade and it’ll get even better.  Your past doesn’t define you!

I def don’t think 34 is too old. I’ve read stories about ppl switching careers later than that. If it’s something you’re passionate about, it’s worth it

Yes, you should prioritize an ABLE account over taxable brokerage. There's basically no reason not to given how broad the QDE definition is, which includes living expenses that do not have to be related to your disability. ABLE accounts are basically like a bigger and more flexible Roth IRA. People even use ABLE account money for vacations and down payments.

CalABLE has a 100% equity option with 65/35 US/non-US allocation for a reasonable fee as far as ABLE accounts go (0.41%) which could be a good fit for you given your current portfolio. While that might sound a bit high, you're likely paying at least 0.3-0.4% annually in tax drag on your brokerage account anyway. Most (all?) other states offer at best 80/20 or 90/10 options. The 80/20s are usually a Vanguard LifeStrategy fund which isn't a bad choice, all things considered, but it's not the right fit for you at your age and it's hard to stomach paying a bit more in fees for a LifeStrategy fund. The 90/10s have weird allocations (including REIT) that you might not want. 

The wild card, as you mention, is if you were to retire abroad. No idea how overseas taxation of ABLE accounts work but it will depend precisely on where you see yourself retiring. A lot can change between now and then, and at worst your ABLE account will be treated like a taxable brokerage account.

Same. Swapping Facebook for reddit has been one of the best things that ever happened to me. From arguing with boomers in the comment section to reading threads that opened my mind to savings and retirement. The personal finance sub is where I started in 2019. I read the millionaire teacher and it blew. My. Mind. Then I read a random walk down wall street. That made me angry. We are Corralled into a life of consumption and only active rejection of much in our society makes freedom possible. 

Discovering fire was just the logical next step. Met my now husband who didn't care for it until I showed him numbers that minor sacrifices means we can retire in 12 years. Now we are 670k in nw at 34 and 31 and on track to retire to my dream life. A small house in greece. With a grape pergola and a small olive orchard.

Wow, congratulations! I still remember when I earned my first internet dollars. Now you have a really good motivation to continue your side hustle.

Yep, the able account is basically like a big roth for people with disabilities.  I signed up for virginia's able now plan as my state was both slow to implement an able account *and* they do not provide any tax deduction.  I am fairly satisfied with it as their fees are on the lower end of average and their max account balance is high.

I *also* contribute to a regular 529 plan.  Why?  Because You can roll over funds from the 529 to the able account to fund it up to the limit (currently 18k / yr?).  I plan to do this in retirement when I am no longer directly contributing to the able account.

Combining these two I'm able to save an additional 36k / yr in 'roth like' accounts.  They're both invested.  

When I started I briefly wondered what the real benefit would be as the 0% cap gains will mostly cover me in retirement but 

* That 0% cap gains bracket might go away given how quickly US debt levels are rising.
* Unlike my taxable brokerage account, I'm not paying taxes on dividends in this account every year.  That's saving me ~ $600 / yr in taxes.
* Income from this account will not count towards MAGI, which means I will qualify for more subsidies on an ACA plan in retirement.

A few other notes from your post, I would expect a fairly hard fight to get on disability if you have a college degree.  SSI / SSDI is seriously underfunded, and too many people have basically been using it as a 'blue collar pension'.  I have cerebral palsy, and the day I got my degree, as far as I was concerned I was crossing the Rubicon and burning the ships.  There's no going back for me, but it might be a bit easier for you given blindness / deafness.

If I were you, I would start learning braille and slowly switch my dev workflow to being mostly text based.  I know emacs has a decent TTS plugin, and it looks like there's braille integration as well.

Lastly regarding immigrating to Australia?  Unfortunately many of the commonwealth countries effectively ban people with disabilities from moving there so as to not place an 'undue burden' on their health system.  I'm sure it's this way in many places with universal healthcare, but some of the nordic countries might be more inclusive.

Congrats, enjoy it and don't forget about the tax man :)

Ah, the FIRE movement—where young professionals dedicate their prime years to the art of extreme frugality, all so they can retire at 35 and… what? Live a life of meticulously budgeted freedom? The dream of retiring early only to spend your golden years tracking every penny and praying the stock market doesn’t sneeze. Because nothing says “financial independence” like the looming anxiety of realizing avocado toast might ruin your monthly projections.

FIRE followers will tell you they’re living “efficiently,” but it’s really just glorified penny-pinching. They’re cutting their own hair, drinking instant coffee, and clipping coupons with a zeal that would make their grandparents proud. They’ll gleefully skip out on social gatherings and vacations because why waste money on “experiences” when you can sit at home with your DIY furniture and a calculator?

And let’s be real—“retired” in FIRE just means “unemployed with a spreadsheet.” They’ll claim they’re free to pursue passion projects, but it’s usually some side hustle or blog where they detail how they saved $2 on bulk rice. FIRE is a lifestyle dedicated to proving that yes, you can be “rich” in your 30s if you’re willing to live like a broke college student forever. Because why relax in your retirement when you could be planning your next minimalist meal prep?

And let’s talk about their version of “retirement.” FIRE folks picture themselves chilling on a beach, but in reality? They’re sitting in some dimly lit basement, running six side hustles to keep their “passive income” afloat because their “4% rule” barely covers inflation. Retiring at 35 sounds amazing until you realize you’ll spend the next 50 years arguing with grocery store cashiers over expired coupons and living in perpetual fear of an unexpected dental bill.

This isn’t financial freedom; it’s self-imposed poverty with a catchy acronym. It’s cutting out everything that makes life enjoyable so you can brag on forums about how you “escaped the rat race” by living like a miser. FIRE isn’t beating the system—it’s just a fancy way of quitting life early and calling it “retirement.”



Asked ChatGPT to roast FIRE movement

If you are unemployed, you can spend whole days, dwelling in worry, fear, stress and sadness.

3 months from now, whether you get a job or not, you'll look back on today and regret that you spent entire days in misery.

Instead, I suggest that you spend these days differently.

Spend 4 hours doing your best to look for a job.  In 3 months, whether you got a job or not, you won't regret that you spent a solid portion of today trying to fix being unemployed.

Then, spend 4 hours doing some project for your future, something that you can eventually finish and permanently display as an accomplishment.  It might be an actual project, learning a skill, open source, trying to start a side business, writing a book or whatever.  (Once, I had "a project" to finish the Halo video game.  So, your project can be wacky if you won't regret it later.  I didn't.)  In 3 months, you won't regret that you took away some "forward progress" from today. 

Then, spend 4 hours doing something that just gives you positive feelings about today: meditating, exercising, hanging out with a friend, watching a movie, finishing a few levels in a video game, whatever is your jam.  In 3 months, you  want to remember today as positive.

If you do that, n 3 months, whether you get a job or not, you will look back on today and (1) you tried to fix your problem, (2) you got some lasting value out of it and (3) there were some positive vibes.  You won't regret today.

That's it.  Each day, pretend it's the future, look back, try to figure out what will cause you to regret today and, instead, live today so you won't regret it.  Keep doing that and you'll have months that you don't regret.

(Usually, my posts on this sub land badly but I felt that this was important enough to take the risk.)

PSA: Live today so you don't regret it in 3 months

Long story short I went to college for a year and ended up working an internship during the following summer, I liked the job so much that I took a semester off to continue working there. At the time I made 80k/yr. Mid way through the semester I got an offer from another eary stage company for 130k/yr that I accepted (currently work there), I really like the work and I feel fulfilled. I live at home for free, have almost no expenses, but I'm thinking about the long term. Will I be hurting my career by just continuing to work at startups and getting more experience? Should I go back to college to try and work at a FAANG? 

Should I (19M) go to college if I make > 100k?

I’ve been at my first “real” job after finishing college for a year and a half now and it’s incredible unfulfilling because of how little is actually done. I finish my tasks (cost accounting, data analysis) in like an hour then there’s nothing to do and no one cares it seems? I asked my friends who also work “white collar” jobs about this and they said it’s normal and that over half of the job is just fluff. How is this sustainable? I literally feel like my brain is rotting from no stimulation or accomplishing work. We as humans need to be feeling fulfilled at work because it makes us feel useful. These office jobs are the opposite, everyone is just on their phones or browsing the internet (id say 10% of office workers are busy the whole day and are actually useful) I had more fulfillment from my retail job I was doing during college because atleast I was busy for 90% of my shift. This is just insane to me. I’m going to have to find a new job. This is not sustainable.  This is why there are so many layoffs in the white collar world and not the blue collar world because these office jobs are BS for the most part 

Are most office jobs complete BS? 

If you're a current student or job seeker, I want to share some perspective on the current job market.

What do I know? I founded and run the Turing School ***(bias warning)*** where for the last year I've been the primary person working on hiring and job support. We have 2500 alumni spread across the country. In the past year I've job coached over 180 individuals, both folks searching for their first tech role and alumni coming back for help with a second or later job. I usually meet with 16-24 job hunters per week. I generally talk with 1-2 recruiters and 2-3 hiring companies per week. Once a month or so I meet with experts in investment or broader US workforce.

Then, across all those inputs, I try to synthesize trends to understand what's working and what's coming next for job seekers. If you're seeking a job now or in the next six months, here's what I'm seeing and expecting:

1. The **AI fear is subsiding**, but there's a much bigger threat. I have yet to talk with a single technical person who was "replaced" or made redundant by AI. But I have talked with several companies who are **only hiring developers outside the US** or only hiring seniors in the US and juniors outside the US -- particularly in Central and South America. Medium-term this is the most dangerous trend for high-pay and low/mid experience US software developers.
2. **Hiring freezes are over**. The bigger companies I talk with were laying folks off in 2023. By  January/February 2024, those layoffs were pretty much over, but those companies commonly instituted a freeze on all hiring. I haven't encountered a single hiring freeze since June 2024, though there is a selection bias in that I wouldn't be talking to them if they're still on or just starting a freeze. It's not something I hear from any of our past hiring companies though.
3. **Backfilling is transitioning** to growth. Following the hiring freezes, those companies moved to "backfill-only" where they'll hire people to fill roles opened by someone leaving or being promoted. I haven't talked to any company that reports they're on backfill-only since August.
4. **New roles** are opening. Those same companies are *cautiously* opening new roles now. It's not by the dozen, but it's more than one or two. For instance, we have folks in final interviews with companies like Ibotta, Allstate, Peloton, and CrowdStrike.
5. Work and planning **timelines are growing**. I talked last week with a consultancy who focuses on the health industry who told me that clients have been booking them a month or two at a time, but just in the last 8 weeks have been making plans six months at a time. I talked with a prominent recruitment firm who, over those same 8 weeks, said they've seen client shift from "right now" to making bigger plans for Q1 and Q2 hiring. Generally the trend is a bit of optimism or even confidence about where the market is headed in 2025.
6. **Applicant pools** are unwieldy. No one wants 500+ applicants for a role. There's little incentive to post any role publicly and that's 10x true for entry-level roles. One thing I didn't realize until it came up in these meetings is that changes to state-level regulations over the past few years have further reduced the likelihood of jobs getting posted. Companies that aren't sure about the compliance issues for every state can see posting a role as a liability risk. This can lead to the role never being posted OR a company holding the posting until they already have the person they want to hire, posting the role compliant for their region for one day, then closing it and hiring them. Ugh.
7. **Referrals are everything**. Referrals have always been the best way to get a role. But because of (6), I've been telling folks that if you don't have an inside track or referral on a role, don't bother applying. If you're in a pool of 800 applicants but 50 of them have referrals, there's almost no chance for the bottom 750. If you're in the 750 every time you're never getting a job.
8. **Networking is harder**, and you've got to figure it out anyway. A year ago, more folks in the industry "felt bad" and were likely to respond to LinkedIn messages and outreach. They wanted to be helpful. Many folks seem to be less responsive now. I think there's a significant fatigue. In order to network effectively, you've got to exploit any possible reason for someone to engage with you. That could be things like...past co-workers, people in your geographic area, people who used to work in the same industry as you, connections of family/friends, alumni from your training program or university, etc.
9. **Investors are eager to act.** As the Federal Reserve has started lowering interest rates the risks of tech investment are more palatable. What I didn't realize was that there's this pent up desire for action. People who are investors and advisors and such have been sitting on their hands for two years. Many of them are eager for an excuse to actually do their job. Interest rates don't have to hit some magic threshold, they just have to be trending the right way.
10. **Investment will change "the vibes."** As a parallel, many folks look to the Dow Jones or S&P 500 to assess whether things are "good" or "bad" with the economy today, despite themselves having no buy-in in those markets. Similarly, as investors come off the sidelines, they're only going to invest in a small percentage of companies. But the stories of those investments ripple. This is an industry of fickle trends. Part of why layoffs even started was because of Elon Musk's misguided gutting of Twitter. *"If Elon is doing it, we should do it!"* Now we're on the good side of that cycle where company A getting investment makes B, C, and D believe that things are headed up. A hires because they have money and B/C/D hire to keep pace. That hiring creates a narrative that "tech is back" and drives more investment and the cycle repeats.

***Bonus prediction:*** By May 2025 we'll be seeing popular media, like the NY Times or Wired asking *"is the tech industry back?"* 2025 won't be 2021, but it'll show steadily-increasing growth across the field.

Ok that's enough for today. Hope it's useful and I'm happy to answer follow-up questions.



Understanding Tech Hiring in Fall 2024

As the title said, I got offered a job as a contractor at a startup company. They demand 20hrs/week minimum, at 40$/hr. At the end end of the month, I'll get compensation in stock only based on the hours I worked. The contract also says the stock is at 1$ "preferred". How does it work ? I never got paid in stock before, and I have noo idea how to liquidate it when I need actual cash in my bank account. I live in Morocco. The company's abroad.

EDIT ===========

Thank you all for the helpful comments ! I definitely won't take that job, might try to negotiate actual payment (prolly wont get it, but that's as far as I'll go.)

EDIT2 ===============

Here's the company for anyone asking a link to another reddit post: [link](https://www.reddit.com/r/recruitinghell/comments/1e4igxm/warning_avoid_alterlearning_educational_platform/)

I got offered a job at a startup company as a contractor, but will only get paid in "preferred" stock. How does that work ?

I recently came across the concept of "die with zero", have to say it's refreshing. The traditional FIRE seems to prioritize saving, spending below the means, accumulating wealth, etc. I still believe in those values today, but the DWZ concept brings another perspective to wealth and life.

While I don't think "die with exactly zero" is a good idea because it's always good to be cautious and have some extra cushions in your funds, but on the other hand "die with millions" seems excessive and not an efficient use of your money.

There are many FIRE calculators out there will show millions of dollar accumulated by the end of 30 year retirement time. The thought "do we really need that much for retirement" kept bugging me, so I made a calculator to estimate how long will your money last based on your life expectancy, spending and investment assumptions. Here's the calculator: [https://realfirecalc.com/](https://realfirecalc.com/) if you want to give it a try.

Let me know if you think this is useful, or if it's missing anything, happy to discuss. Thanks!  


"Die with Zero" calculator

i started a new job recently and find that i am sitting on my phone for 5 hours a day and only have tasks for about 2 hours.

I dont know if this is just temporary or whatever but it seems like it has to be a joke.
No one monitors me besides one person and he barely pays attention, and all i have to do is make like 2 excel sheets in 8 hours.

I dont know if its just because I work diligently and quickly when I get the tasks or if this is a joke honestly? is it supposed to be this easy with downtime?

does anyone else do about 2 hours of actual work?

Finally crossed $250k and had to share somewhere. My friends would think I'm showing off but figured you all would understand the milestone!

Just checked my net worth tracking app (Roi) and seeing that number hit was pretty surreal.   
  
Some quick stats:

* Started at $66k salary (2019)
* Now at $120k as a Controls Engineer
* Saving about $70k/year
* Monthly expenses \~$1,900 (rent, groceries, dog)

The Journey

* Graduated with minimal debt (thanks parents!)
* Maxing 401k, HSA, and Roth IRA
* Rest goes into index funds
* Living in eastern PA keeps costs low

Been using Roi to track everything and it's wild seeing the growth over time. Goal is to hit my FIRE number in 7-8 years, then maybe switch to something fun like car racing.

If anyone's curious about specifics just ask!

Just hit $250k net worth at 27! Had to share it with people who get it.

Hello everyone! I frequently check my 401k balance and go through the information in the website (my employer uses Fidelity), and their one feature always confuses me. It's a section where they estimate how much the website thinks I will need a month when I retire (and compares it to what it thinks I will have based off my 401k). The website estimator is estimating that I will need $8,845 per month when I retire. Does that seem reasonable? (I am 29). I am putting away as much as I can realistically afford, but fidelity is telling me I am not doing enough, so I'm curious what everyone else thinks about if that dollar value sounds reasonable in the year 2060.

(I did read through most of the method information page, but honestly it was a bit confusing so I am hoping for someone to help me in more layman's terms)

Will I really need this much when I retire?

Grew up to immigrant parents that were so poor we lived 9 people to a 2 bedroom apartment. I got bullied heavily in school for being autistic and I guess an easy target.

I enjoyed school, and a couple of my teachers took me under their wing and told me to apply to a merit scholarship at a local college since my scores were good. I ended up getting a full ride to a private college and the rest is history. Now I drive 2019 prius, am happily engaged to the partner of my dreams, and have a $400k NW at 29. FIRE and college turned my life from doom and gloom to hope. I can afford to go to therapy every week, eat well, exercise and I’m no longer dealing with the chronically high levels of stress that poverty and untreated mental health causes. 

I guess I just wanted to post this to share. idk if it gets better for everyone, but I’ve dealt with dark thoughts and sometimes still do, but I’m relieved to be where I am now.

Being The Geek Paid Off

I know this is a FIRE group, but it seems a lot of people here do not really believe in the RE part of FIRE. I understand being conservative financially and wanting guardrails before retiring, but it seems like a lot of people are taking that to extremes.  Examples of this type of thought pattern include:

- The ACA makes health insurance in early retirement affordable for most people. But what if another party takes office and decimates the ACA? So I shouldn't retire until I have $2k + a month to spend on health insurance or until I can go on Medicare (which wouldn't be early retirement)

- 78% of Social Security should be funded even if the trust fund runs out and politicians don't act to save it (very unlikely).  But I don't want to rely on any Social Security, so I need to work until I have enough to retire without it at all. 

- Taxes during early retirement should be very low for most people, unless they are in a Fat Fire type scenario. But I don't want to retire until I have enough to cover 25% in taxes. 

- I don't want to limit my child's ability to go any college they desire, regardless of the cost.  So I don't want to retire until I have enough to spend $400k per child on college.  

Of course, people are free to make any financial decisions that they choose in order to be comfortable.  But it seems to me like there is a big risk in delaying retirement until every possible contingency is prepared for - the risk of working too long and dying with too much money.  

I am saving enough to have a cushion and have some guardrails in place, but I can't prepare for any issue that might occur.  I'd rather just have the small chance that I might have to return to work than work an extra 10-20 years to reduce that risk.  

People what-iffing themselves into never retiring

Ladies and gentlemen, I made my first $500 dollars by doing a form fill and presentation automation gig and I genuinely can’t describe the happiness when I saw the amount credited in my PayPal.

I am super grateful to the universe for throwing this opportunity my way. God knows I can use this money.

And for whoever is out there, trying to make ends meet or starting something of their own, please don’t give up. 

Trust that universe works in mysterious ways. Just be out there and all the best!

Earned my first $500 as a side hustle, can’t be more happy

I thought I had a genius idea, but my smarter friend said it isn’t. Can someone explain like I’m 5?

I currently have a 30-year fixed rate mortgage @ 2.75%. My next payment is $1,477.20 in principal and $1,478.47.

Since mortgages are amortized with bigger interest payments up front, I thought it would be smart to make additional principal payments.

For example, if I make an additional principal payment for the following month, I’d need to pay $1,480.58. By doing so, I skip out on $1,475.09 in interest.

Isn’t that like an instant 100% gain on the extra money I spent on principal? If so, should I just pay the first 5-10 years of this mortgage to move down on the amortization table where my interest payments are much lower instead of leaving my money in a HYSA at 5%?

My friend says no, but can’t really explain why. Can someone please help me understand my ignorance 🤷‍♂️

What is the flaw in making additional principal payments on a low mortgage rate?

I (29f) have been working for 5 years and I am starting to question my next step and wondering if I’m at the right place. 
I work in marketing for a big company and I realized an important skill to evolve in my career is the build a network, develop your “personal brand”, make sure you are seen internally and connecting with top management so they think about you for a next move. And I hate this. I believe in the fact that my work should speak for me and I hate having to do small chat with colleagues and top management just to be top of mind. I really don’t enjoy networking.
I wonder if this is a skill I need to force myself to build and improve because I will need it all my professional life? Or are there any other field of work/ type of companies where network is not needed? 
Looking for thoughts and advice. Thanks! 

Do you really need networking to have a career? 

So, I’ve been messing around with AI lately, and honestly, it’s taken me by surprise a few times. AI has actually been super helpful for practical stuff too, like keeping me organized and helping me stick to new hobbies.

 I’m curious—has AI surprised you in any unexpected ways? How has it worked its way into your life?



What’s the most surprising way AI has become part of your daily life?

Hi there,

I went FIRE two years ago, and joined my husband who had relocated out of the big city to start his dream job.

After a bumpy year (lots of stress on his side while I was thriving out of my stressful career, but unwillingness for him to open up and accept emotional support), he took off, and we are now talking about divorce.

I find myself in a weird situation: great living environment (albeit a bit remote), ability to organize my time as I wish (sports, meditation, hiking, some consultancy when I find it rewarding, charity work in my former career field, learning an music instrument, seeing friends and visiting family, learning about psychology), but also feeling a bit of a void.

I realize my situation in life is very special, being an independent woman with no kids and no office job, this may seem repelling to potential partners. Any testimony of people who found themselves single after FIRE? Any women out there?

44W no kids - Divorcing 2 years after FIRE

I’m 34f and still haven’t been able to find a job I like that pays well enough. Sick of starting over and

How old is too old to start over in my career? 

I (25M), a software engineer in big tech, was born totally blind due to a rare genetic condition. I'm working to achieve FI since the condition that caused my blindness might also affect my hearing, greatly reducing my productivity below a level suitable for work; and to prepare for the toll that disability-related burnout can take on working blind people (for various reasons too numerous and tangential for this post, 70% of the totally blind are unemployed).

Currently, I invest my savings as follows:

* Pre-tax 401K: Max out annually. My employer matches this generously (50% up to the deferral limit).
* Mega backdoor Roth 401K: max out annually (convert from after-tax to Roth via Fidelity daily conversion). In-plan conversions can be rolled out to an IRA on-demand, so I feel no rush to do this now.
* Emergency fund: six months of average expenses in high-yield savings.
    * This doesn't include health insurance premiums (currently 100% subsidized by my employer) and [visual interpretation services](https://aira.io) (also 100% subsidized by my employer). This means that, in practice, I'd have less than six months in cash in the event of job loss, but my taxable brokerage currently contains about two years of average expenses thanks to highly profitable crypto investments during the pandemic bull run.
* Employee stock purchase plan (ESPP): max out annually. I sell as soon as shares vest and re-invest in taxable brokerage.
* Backdoor Roth IRA: max out annually.
* Individual HSA: Max out annually and cashflow all healthcare expenses.
* Other than my cash savings, all accounts are 100% in equities (60% US/40% non-US).

I'm wondering whether I should contribute my ESPP sale proceeds to an [Achieving a Better Life Experience (ABLE)](https://www.ablenrc.org/what-is-able/what-are-able-acounts/) account up to the limit, with any remainder going to taxable. An ABLE account is a kind of 529 that can be used for eligible expenses (broadly defined, to include things from support work and adaptive tech to restaurant meals, rent, groceries, and mortgage payments). It seems to function like additional Roth space for qualifying expenses ([I'd think putting it in priority roughly between mega backdoor Roth and taxable](https://www.bogleheads.org/wiki/Prioritizing_investments)), but management fees are high and investment options limited. If this is a good idea, which state has the best implementation (lowest fees/control over investment options) for 529 ABLE accounts? I live in Seattle so no concern over state income tax.

Also, in the event that I retired abroad (probably EU/EEA or Australia would be easiest for me from a community and immigration standpoint), I'm guessing that ABLE contributions would be treated, like Roth accounts, as foreign trusts and would be taxed locally on that basis?

Thanks in advance for your help!

Totally blind, funding priority of an ABLE account?

Located in Massachusetts where they have to pay any accrued PTO at the end of employment. My current employer uses 1 single bank for all time off. We have the option to sell up to 80hrs throughout the year but can only do so twice a year. Previously I would sell 40hrs in April and 40hrs in October. However this upcoming year, I may choose to depart from my company before October as we're looking at moving down closer to my wife's family. 

I'm just wondering if there's a notable tax difference between them paying me out upon leaving the company V. Selling 80hrs in April when I still expect to be with the company.

Is there a tax difference between selling PTO and when my PTO is cashed out when I leave my company?

Get tips for saving money on Halloween costumes and decorations, plus how to leverage credit cards when making big purchases.How can you use credit cards to maximize rewards when making big purchases? What are some ways to save money on Halloween costumes? Hosts Sean Pyles and Elizabeth Ayoola discuss saving money on Halloween costumes and decorations to help you understand how to be festive without breaking the bank. They begin with a discussion of Halloween budgeting, with tips and tricks on DIY costume ideas, using cash back apps, and repurposing items you already have. Then, Personal Finance Nerd Kim Palmer joins Sean and Elizabeth to discuss the best ways to use credit cards for major expenses. They discuss how to earn rewards while minimizing interest, ways to protect your credit score, and how to make use of a health savings account (HSA) for medical-related purchases.Cash back apps help you save a little bit of money on everyday purchases. Here’s NerdWallet’s list of 8 great cash back apps and why each stands out: https://www.nerdwallet.com/article/finance/cash-back-apps Here’s NerdWallet’s list of the best budget apps: https://www.nerdwallet.com/article/finance/best-budget-apps In their conversation, the Nerds discuss: credit cards, big purchases, credit card rewards, saving money on Halloween, DIY costumes, cashback apps, Halloween budgeting, credit card interest, maximizing credit card points, health savings account, HSA, personal finance, budgeting tips, managing credit utilization, DIY Halloween ideas, saving money on costumes, repurposing costumes, cashback rewards, credit card sign-up bonus, using credit cards wisely, paying off credit card debt, zero APR credit cards, financial planning, paying off big expenses, cash-back vs points, credit card rewards strategies, making big purchases with credit cards, budgeting for big purchases, and sign-up bonus strategies.To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com.Like what you hear? Please leave us a review and tell a friend.

Get tips for saving money on Halloween costumes and decorations, plus how to leverage credit cards when making big purchases. How can you use credit cards to maximize rewards when making big purchases? What are some ways to save money on Halloween costumes? Hosts Sean Pyles and Elizabeth Ayoola discuss saving money on Halloween costumes and decorations to help you understand how to be festive without breaking the bank. They begin with a discussion of Halloween budgeting, with tips and tricks on DIY costume ideas, using cash back apps, and repurposing items you already have.  Then, Personal Finance Nerd Kim Palmer joins Sean and Elizabeth to discuss the best ways to use credit cards for major expenses. They discuss how to earn rewards while minimizing interest, ways to protect your credit score, and how to make use of a health savings account (HSA) for medical-related purchases. Cash back apps help you save a little bit of money on everyday purchases. Here’s NerdWallet’s list of 8 great cash back apps and why each stands out: <a href="https://www.nerdwallet.com/article/finance/cash-back-apps" rel="nofollow">https://www.nerdwallet.com/article/finance/cash-back-apps</a>  Here’s NerdWallet’s list of the best budget apps: <a href="https://www.nerdwallet.com/article/finance/best-budget-apps" rel="nofollow">https://www.nerdwallet.com/article/finance/best-budget-apps</a>  In their conversation, the Nerds discuss: credit cards, big purchases, credit card rewards, saving money on Halloween, DIY costumes, cashback apps, Halloween budgeting, credit card interest, maximizing credit card points, health savings account, HSA, personal finance, budgeting tips, managing credit utilization, DIY Halloween ideas, saving money on costumes, repurposing costumes, cashback rewards, credit card sign-up bonus, using credit cards wisely, paying off credit card debt, zero APR credit cards, financial planning, paying off big expenses, cash-back vs points, credit card rewards strategies, making big purchases with credit cards, budgeting for big purchases, and sign-up bonus strategies. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email <a href="mailto:podcast&#64;nerdwallet.com" rel="nofollow">podcast&#64;nerdwallet.com</a>. Like what you hear? Please leave us a review and tell a friend.

How to Maximize Rewards on Big Credit Card Purchases

In today’s episode, Shawn O’Malley (@Shawn_OMalley_) discusses The Alchemy of Finance by George Soros. George Soros is a controversial political figure, but he is a legend on Wall Street. Many know him as the man who “broke the Bank of England” for his epic short bets against the British pound that broke its currency peg. Soros’s hedge fund is among the best performing ever, generating billions of dollars in wealth and giving rise to a number of Soros’s protégés who would make their own names for themselves.  You’ll learn about Soros’s life growing up in Nazi-occupied Hungary, how he went from immigrant to hedge fund titan, why philosophy and abstract thinking were critical to Soros’s success, Soros’s unique theory on investing called Reflexivity and how it has helped him throughout his career, which shortcomings Soros identified in markets, how he used reflexivity to profit from a boom in conglomerates, plus so much more!  Prefer to watch? Click here to watch this episode on YouTube.  IN THIS EPISODE, YOU’LL LEARN 00:00 - Intro 02:18 - What it was like for George Soros growing up in Nazi-occupied Hungary 03:15 - How Soros went from immigrant to hedge fund titan 10:01 - What is reflexivity, and how did Soros use it 12:16 - Why markets are a place to test hypotheses 24:30 - Why Soros thinks free markets have shortcomings 26:33 - What value investors miss about reflexivity and stock prices 29:45 - How Soros profited from a boom in conglomerates using reflexivity 32:06 - What causes reversals in markets  And much, much more!  *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.  BOOKS AND RESOURCES  Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Kyle and the other community members.  George Soros's book, The Alchemy of Finance.  George Soros's book, Soros on Soros: Staying Ahead of the Curve.  George Soros’s wiki.  How Soros broke the Bank of England.  Check out the books mentioned in the podcast here.  Enjoy ad-free episodes when you subscribe to our Premium Feed.   NEW TO THE SHOW?  Follow our official social media accounts: X (Twitter) | LinkedIn | Instagram | Facebook | TikTok.  Check out our Millennial Investing Starter Packs.  Browse through all our episodes (complete with transcripts) here.  Try Kyle's favorite tool for picking stock winners and managing our portfolios: TIP Finance.  Enjoy exclusive perks from our favorite Apps and Services.  Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets.   Learn how to better start, manage, and grow your business with the best business podcasts.   SPONSORS Support our free podcast by supporting our sponsors:  Toyota  Facet  Fundrise  Public  Airbnb  Bluehost  NetSuite   Connect with Shawn: Twitter | LinkedIn | Email  HELP US OUT! Help us reach new listeners by leaving us a rating and review on Spotify! It takes less than 30 seconds and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it!  Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

In today’s episode, Shawn O’Malley (<a href="https://x.com/Shawn_OMalley_" rel="nofollow">&#64;Shawn_OMalley_</a>) discusses The Alchemy of Finance by George Soros. George Soros is a controversial political figure, but he is a legend on Wall Street. Many know him as the man who “broke the Bank of England” for his epic short bets against the British pound that broke its currency peg. Soros’s hedge fund is among the best performing ever, generating billions of dollars in wealth and giving rise to a number of Soros’s protégés who would make their own names for themselves. You’ll learn about Soros’s life growing up in Nazi-occupied Hungary, how he went from immigrant to hedge fund titan, why philosophy and abstract thinking were critical to Soros’s success, Soros’s unique theory on investing called Reflexivity and how it has helped him throughout his career, which shortcomings Soros identified in markets, how he used reflexivity to profit from a boom in conglomerates, plus so much more! Prefer to watch? Click <a href="https://youtu.be/8MfzVAMSxj8" rel="nofollow">here</a> to watch this episode on YouTube. IN THIS EPISODE, YOU’LL LEARN00:00 - Intro02:18 - What it was like for George Soros growing up in Nazi-occupied Hungary03:15 - How Soros went from immigrant to hedge fund titan10:01 - What is reflexivity, and how did Soros use it12:16 - Why markets are a place to test hypotheses24:30 - Why Soros thinks free markets have shortcomings26:33 - What value investors miss about reflexivity and stock prices29:45 - How Soros profited from a boom in conglomerates using reflexivity32:06 - What causes reversals in markets And much, much more! *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences. BOOKS AND RESOURCES<ul><li>Join the exclusive <a href="https://www.theinvestorspodcast.com/mastermind" rel="nofollow">TIP Mastermind Community</a> to engage in meaningful stock investing discussions with Kyle and the other community members.</li><li>George Soros&#39;s book, <a href="https://www.amazon.com/Alchemy-Finance-George-Soros/dp/0471445495?&amp;linkCode&#61;ll1&amp;tag&#61;tipnetwork-20&amp;linkId&#61;ebf1cf39990a72b78947a66bca67eb71&amp;language&#61;en_US&amp;ref_&#61;as_li_ss_tl" rel="nofollow">The Alchemy of Finance</a>.</li><li>George Soros&#39;s book, <a href="https://www.amazon.com/Soros-Staying-Ahead-Curve/dp/0471119776?crid&#61;KNFNPCPOU0MT&amp;dib&#61;eyJ2IjoiMSJ9.UPI1ZB4m-3sMFzgDBXOzTO7FIx24uvy-qMcv0Qw90QIpEBJLLN04j1iw_yRtmxPi8b6Ls0ekfLjaKdNVqoGxNu-EN3Qx6lWmP6t0jTY4UrE-rlrFJu8nkykYDVxUehTdjXu-eIlUYV8Xh7gJcHuIdCaEax9MuJpcksgLqrUvjDTDzr0ObltzvJbOAqel4MrB3ggE2vUkYj-HT_9VdZ2VCyP1pHIrXl6-UB9VqrcRjM4.1l2lRySDiTjsCnyoAWCfj9u4yFsu3x0yx5PwksfIldA&amp;dib_tag&#61;se&amp;keywords&#61;soros&#43;on&#43;soros&amp;qid&#61;1724259491&amp;s&#61;books&amp;sprefix&#61;soros&#43;on&#43;soros%2Cstripbooks-intl-ship%2C274&amp;sr&#61;1-1&amp;linkCode&#61;ll1&amp;tag&#61;tipnetwork-20&amp;linkId&#61;84d9bc119509e46d4b75df45e2746dfa&amp;language&#61;en_US&amp;ref_&#61;as_li_ss_tl" rel="nofollow">Soros on Soros: Staying Ahead of the Curve</a>.</li><li>George Soros’s <a href="https://en.wikipedia.org/wiki/George_Soros" rel="nofollow">wiki</a>.</li><li>How Soros <a href="https://www.investopedia.com/ask/answers/08/george-soros-bank-of-england.asp" rel="nofollow">broke</a> the Bank of England.</li><li>Check out the books mentioned in the podcast <a href="https://prodcast.io/mi" rel="nofollow">here</a>.</li><li>Enjoy ad-free episodes when you subscribe to our <a href="https://premium.theinvestorspodcast.com/" rel="nofollow">Premium Feed</a>.</li></ul> NEW TO THE SHOW?<ul><li>Follow our official social media accounts: <a href="https://twitter.com/TIP_Network" rel="nofollow">X (Twitter)</a> | <a href="https://www.linkedin.com/company/the-investor&#39;s-podcast/" rel="nofollow">LinkedIn</a> | <a href="https://www.instagram.com/theinvestorspodcastnetwork/" rel="nofollow">Instagram</a> | <a href="https://www.facebook.com/TheInvestorsPodcast" rel="nofollow">Facebook</a> | <a href="https://www.tiktok.com/&#64;theinvestorspodcast" rel="nofollow">TikTok</a>.</li><li>Check out our <a href="https://www.theinvestorspodcast.com/mi-starter-packs/" rel="nofollow">Millennial Investing Starter Packs</a>.</li><li>Browse through all our episodes (complete with transcripts) <a href="https://www.theinvestorspodcast.com/millennial-investing/" rel="nofollow">here</a>.</li><li>Try Kyle&#39;s favorite tool for picking stock winners and managing our portfolios: <a href="https://www.theinvestorspodcast.com/tip-finance/" rel="nofollow">TIP Finance</a>.</li><li>Enjoy exclusive perks from our <a href="https://www.theinvestorspodcast.com/affiliates/" rel="nofollow">favorite Apps and Services</a>.</li><li>Stay up-to-date on financial markets and investing strategies through our daily newsletter, <a href="https://www.theinvestorspodcast.com/newsletters/" rel="nofollow">We Study Markets</a>. </li><li>Learn how to better start, manage, and grow your business with the <a href="https://www.theinvestorspodcast.com/podcasts/20-best-business-podcasts/" rel="nofollow">best business podcasts</a>.</li></ul> SPONSORSSupport our free podcast by supporting our <a href="https://theinvestorspodcast.com/sponsors" rel="nofollow">sponsors</a>:<ul><li><a href="https://buyatoyota.com/" rel="nofollow">Toyota</a></li><li><a href="https://facet.com/" rel="nofollow">Facet</a></li><li><a href="https://fundrise.com/WSB" rel="nofollow">Fundrise</a></li><li><a href="https://public.com/" rel="nofollow">Public</a></li><li><a href="https://airbnb.com/host" rel="nofollow">Airbnb</a></li><li><a href="https://bluehost.com/" rel="nofollow">Bluehost</a></li><li><a href="https://netsuite.com/mi" rel="nofollow">NetSuite</a></li></ul> Connect with Shawn: <a href="https://x.com/Shawn_OMalley_" rel="nofollow">Twitter</a> | <a href="https://www.linkedin.com/in/shawn-omalley/" rel="nofollow">LinkedIn</a> | <a href="mailto:shawn&#64;theinvestorspodcast.com" rel="nofollow">Email</a> HELP US OUT!Help us reach new listeners by leaving us a <a href="https://docs.google.com/presentation/d/1yJtgkwxTcMYZsdcbpjDYsnWh9tEGJWN-o_zEXbIbfKI/edit#slide&#61;id.p" rel="nofollow">rating and review</a> on <a href="https://open.spotify.com/show/7dnn22EWyo6MLsPaR492BM" rel="nofollow">Spotify</a>! It takes less than 30 seconds and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it!  Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices" rel="nofollow">megaphone.fm/adchoices</a>Support our show by becoming a premium member! <a href="https://theinvestorspodcastnetwork.supportingcast.fm" rel="nofollow">https://theinvestorspodcastnetwork.supportingcast.fm</a>

MI375: How George Soros Beat the Markets: The Alchemy of Finance w/ Shawn O’Malley

  Episode Summary Clint Murphy returns to ChooseFI, sharing his transformative journey labeled "FI and Choose," emphasizing the importance of choosing a lifestyle that values personal growth and meaningful connections. The hosts discuss their experiences at financial independence events, highlighting how these gatherings foster deep conversations that extend beyond finances. They explore the contrast between accumulating wealth and Pursuing a simpler, more intentional life filled with enriching experiences, including joy from low-cost activities and being present in relationships. Key Topics Discussed   Connection Through FI 00:02:20  The importance of community in financial independence events. Shared experiences and personal growth discussions among participants.    The Power of Vulnerability 00:06:00  Opening up in conversations to foster deeper connections. Embracing quirks and eccentricities to enhance relationships.    Simplicity and Enjoyment 00:10:30  Finding joy in low-cost activities, such as playing pickleball. The realization that enjoyment doesn’t require significant spending.    FI and Choose Philosophy 00:46:00  The idea that achieving financial independence offers choices about how to live life. Aligning personal ambitions with the simplicity of life.    Actionable Takeaways  Explore Joyful Activities: Engage in activities that bring joy without high costs 00:10:30. Build Deeper Relationships: Foster relationships through open and vulnerable conversations 00:06:00.  Related Resources  The Growth Guide Podcast: thegrowthguide.com 

<h3>Episode Summary</h3> Clint Murphy returns to ChooseFI, sharing his transformative journey labeled &#34;FI and Choose,&#34; emphasizing the importance of choosing a lifestyle that values personal growth and meaningful connections. The hosts discuss their experiences at financial independence events, highlighting how these gatherings foster deep conversations that extend beyond finances. They explore the contrast between accumulating wealth and Pursuing a simpler, more intentional life filled with enriching experiences, including joy from low-cost activities and being present in relationships. <h3>Key Topics Discussed</h3> <ul><li> Connection Through FI 00:02:20 <ul><li>The importance of community in financial independence events.</li><li>Shared experiences and personal growth discussions among participants.</li></ul> </li><li> The Power of Vulnerability 00:06:00 <ul><li>Opening up in conversations to foster deeper connections.</li><li>Embracing quirks and eccentricities to enhance relationships.</li></ul> </li><li> Simplicity and Enjoyment 00:10:30 <ul><li>Finding joy in low-cost activities, such as playing pickleball.</li><li>The realization that enjoyment doesn’t require significant spending.</li></ul> </li><li> FI and Choose Philosophy 00:46:00 <ul><li>The idea that achieving financial independence offers choices about how to live life.</li><li>Aligning personal ambitions with the simplicity of life.</li></ul> </li></ul> <h3>Actionable Takeaways</h3> <ul><li>Explore Joyful Activities: Engage in activities that bring joy without high costs 00:10:30.</li><li>Build Deeper Relationships: Foster relationships through open and vulnerable conversations 00:06:00.</li></ul> <h3>Related Resources</h3> <ul><li>The Growth Guide Podcast: <a href="https://www.thegrowthguide.com/" rel="nofollow">thegrowthguide.com</a></li></ul>

FI + Choose | Clint Murphy | Episode 518

Logan and Allie talk about managing business income when first starting a business. Where should those earnings go?

Logan and Allie talk about managing business income when first starting a business. Where should those earnings go?

DIY Money Jr - Business Income

Florida has been struck by two big hurricanes this year, setting off a wave of damage and, of course, new insurance claims. As we all know by now, insurance rates in places like Florida, Louisiana, and California have jumped in recent years thanks to a combination of more natural disasters, higher replacement costs, and other factors. But Florida has become a particularly expensive market, with roofing scams supposedly pushing up rates for everyone, and a string of private insurers exiting the market. So what's the future of this messy market? We speak with Jerry Theodorou, policy director of finance, insurance and trade at R Street Institute, a free market think tank. He's also a veteran of the insurance industry and, in this episode, he walks us through what's been going on in Florida's insurance market and argues that there are some signs that things are getting better. Read More:Why Insurance Rates Have Been Surging in California and FloridaFlorida Home Insurers With Lax Ratings Pose New Property RiskSee omnystudio.com/listener for privacy information.

Florida has been struck by two big hurricanes this year, setting off a wave of damage and, of course, new insurance claims. As we all know by now, insurance rates in places like Florida, Louisiana, and California have jumped in recent years thanks to a combination of more natural disasters, higher replacement costs, and other factors. But Florida has become a particularly expensive market, with roofing scams supposedly pushing up rates for everyone, and a string of private insurers exiting the market. So what&#39;s the future of this messy market? We speak with Jerry Theodorou, policy director of finance, insurance and trade at R Street Institute, a free market think tank. He&#39;s also a veteran of the insurance industry and, in this episode, he walks us through what&#39;s been going on in Florida&#39;s insurance market and argues that there are some signs that things are getting better. Read More: <a href="https://www.bloomberg.com/news/articles/2024-03-21/why-insurance-rates-have-been-surging-in-california-and-florida?sref&#61;frV97TwV" rel="nofollow">Why Insurance Rates Have Been Surging in California and Florida</a> <a href="https://www.bloomberg.com/news/features/2024-04-24/home-insurance-with-lax-oversight-hides-florida-climate-risk?sref&#61;frV97TwV" rel="nofollow">Florida Home Insurers With Lax Ratings Pose New Property Risk</a>See <a href="https://omnystudio.com/listener" rel="nofollow">omnystudio.com/listener</a> for privacy information.

Why Home Insurance in Florida Is a Mess

We're launching a brand-new show! While we can’t share all the details just yet, we can tell you this: we are SO excited. And here’s the best part—you can be a part of it!  Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

We&#39;re launching a brand-new show! While we can’t share all the details just yet, we can tell you this: we are SO excited. And here’s the best part—you can be a part of it! <a href="https://bit.ly/3mB2p69" rel="nofollow">Jump start your journey with our FREE financial resources</a> <a href="https://bit.ly/3mxuhIt" rel="nofollow">Reach your goals faster with our products</a> <a href="https://bit.ly/2Y4TqQJ" rel="nofollow">Take the relationship to the next level: become a client</a> <a href="https://bit.ly/3gxyUOH" rel="nofollow">Subscribe on YouTube for early access and go beyond the podcast</a> Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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