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...
Why Do the Rich Keep Getting Richer?

Why Do the Rich Keep Getting Richer?

Rich people think differently. They have a different mindset. A mindset for gaining assets instead of liabilities. They work hard on their goals that they set and continue to achieve them. Living paycheck to paycheck is not something they do. So why do rich people...

The First $100K is a B*tch

The First $100K is a B*tch

"The first $100K is a b*tch, but you got to do it". Charlie Munger said this at a Berkshire Hathaway meeting. It truly is hard to get your first $100k. It takes saving, investing, and staying out of debt. Plus it is all about consistency. It took my wife and I being...

Debt Avalanche Helping to Destroy your Debt

Debt Avalanche Helping to Destroy your Debt

Have you heard about the debt avalanche method for getting rid of debt? You may have heard of the debt snowball method. Dave Ramsey is a big proponent of the debt snowball method. Many other people support him as well. I on the other disagree and believe the Debt...

How to Improve your Credit

How to Improve your Credit

Credit is a big thing in the United States. It is how you open up credit cards. Your mortgage rates are based on your credit score. Plus having a good credit score can help you save money through interest rates that banks give you to buy things. It is time to improve...

FIRE'd Up, The FIRE Movement

FIRE'd Up, The FIRE Movement

One of the biggest movements in the world is the FIRE movement. FIRE is Financially Independent Retire Early. Calmncents.home.blog likes to call FIRE the Financially Independent Retire Eventually. Either way, they are quite similar. The FIRE MovementWhat is the FIRE...

7 Financial Books that will Change Your Life

7 Financial Books that will Change Your Life

Here are 7 financial books that will change your life. These books are full of personal successes, failures, and tips on how to improve your financial life. I have sat down and read every book, and they have helped me change mine. It is time for them to help you...

The Simple Path to Wealth

The Simple Path to Wealth

I owe a lot of my financial thinking to one book. That book is “The Simple Path to Wealth” by JL. Collins. His book has inspired many to go out and work on achieving financial independence. This book breaks down the keys to creating wealth, simple attitudes to adopt,...

The Simplicity of Index Funds

The Simplicity of Index Funds

If investing seems hard then you make it too hard. It can be simple, and the simplicity relies on the form of investing in all stocks by using Index Funds. People have been taught that mutual fund managers are the people that make the most money for you and can beat...

The Concept of Pay Yourself First

The Concept of Pay Yourself First

If you read a lot of investing books or blogs sometimes you may hear the concept of “Pay Yourself First.” I am not sure who coined the term, but as I read the book “The Richest Man in Babylon” I kept hearing the phrase “Pay yourself first.” This concept was repeated...

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