Financial Independence

It Takes Two to FIRE: Mr. and Mrs. Dreamer (Vibrant Dreamer)

Welcome to It Takes Two to FIRE. This interview series has been developed in collaboration with my friend Cristian Ferrier from the Financial Alien. We are excited to bring you a series in which we explore real-life stories on how couples work together to reach or...

How Living Below Your Means Can Build Wealth

Why is spending less than you earn so crucial to building wealth? When building wealth, people have often said you need to live below your means. Living below your means is something that is emphasized through a lot of financial publications. You have to be able to...

Here Are 23 of the Best Recession Proof Jobs

As much as we'd like to avoid them, economic recessions are just a part of life. Recessions don't simply mean our GDP is regressing. Most people associate with recession are job losses. Unfortunately, there are no jobs that are 100% safe when it comes to being in a...
The Power of F-U Money: How it gives you control

The Power of F-U Money: How it gives you control

Let me start off with apologizing about sounding too crass. Yes F-U money literally refers to F-you. Now, in the way I am using it we would like to give it a place in the financial world. F-U money is the money needed to basically say “F-You” to work, or to anything...

Money Lessons Not Taught in School

Money Lessons Not Taught in School

In life, you spend your first 18-20 years in school. You may spend longer in school. The hope is to have a good education, go out into the world, and be able to create income and value within the world. One thing that is missing is a financial education. Schools miss...

HCOL vs LCOL: The Financial Impact Pros & Cons

HCOL vs LCOL: The Financial Impact Pros & Cons

Looking for places to live can be a daunting task. We need to weigh the pros and cons of each place. How do you pick an area? Here are the pros and cons of living in a HCOL vs LCOL area.  HCOL is an acronym for “High Cost Of Living,” and LCOL stands for “Low Cost Of...

The Breakdown of the Frugal Expat Asset Allocation

The Breakdown of the Frugal Expat Asset Allocation

Asset allocation is all about how you break down your assets into different categories. Some people break down their assets into categories such as stocks, bonds, and real estate. I have broken down my portfolio to show you what I own. My Investment Strategy:The...

It is time to build wealth with lazy portfolios.

It is time to build wealth with lazy portfolios.

In this hard working life of mine, I have found that time is valuable. We all want to make time for family, friends, and even fun experiences. The problem is that we also need to invest for our future. Creating portfolios for our future can often be hard, laborsome,...

How Owning Assets is Better than a Job.

How Owning Assets is Better than a Job.

After reading the book Rich Dad Poor Dad, most people come under the conclusion that owning assets is better than having liabilities. That is so true. “The rich people acquire assets. The poor and middle class acquire liabilities that they think are assets.” This is...

Delaying Gratification for the win.

Delaying Gratification for the win.

“Patience is a virtue” my father would always say to me. If you think about it, patience truly is a virtue. Oftentimes, we want things now. That is not the way the world works. Those that want instant gratification often end up on the wrong side of the stick. It is...

VTSAX vs FZROX, who is the best?

VTSAX vs FZROX, who is the best?

VTSAX is one of my favorite funds. It is simple, easy, and it has low expenses. This index fund tracks the Total Stock Market, and it is efficient. As everyone knows, new products come out all the time. Fidelity released a couple of Zero Funds. One in particular is...

How Credit Cards can be a big tool

How Credit Cards can be a big tool

Someone recently posted a comment on my blog asking, “Do you think it is a need to have a credit card even if I am not borrowing money?” That question helps me to reflect on things people have told me about credit cards, what I have learned about credit cards, and the...

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