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Investing

Maxed Out Your Roth IRA, 401(k), and HSA? Do This

Already maxed out your Roth IRA, 401(k), and HSA? Kelley wants to know what strategies can help her invest smarter and reach Financial Independence faster—beyond the basics. We bre...

Cody Garrett, CFP® · Jun 8, 2025 · 1 min read

Dark Side of Value

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Articles, recipes, and reviews on financial independence.

What’s the Right Way to Calculate Net Worth?

Should You Hold Bonds in Taxable or Tax-Deferred Accounts?

Cody Garrett, CFP® · Jun 1, 2025 · 1 min read

The Value Matrix: A Case Study in Spending Alignment

The Value Matrix: A Case Study in Spending Alignment

The RAP Plan Is Here: What It Means for Your FI Timeline

The RAP Plan Is Here: What It Means for Your FI Timeline

Jul 13, 2026 · 1 min read

How to Track Expenses: The Complete Guide to Knowing Where Every Dollar Goes

How to Track Expenses: The Complete Guide to Knowing Where Every Dollar Goes

Jul 9, 2026 · 1 min read

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My Top Two Instant Pot Soup Recipes For Fall

Spending Smarter

Bacon Wrapped Cream Cheese Chicken

The Necessity for Identity Capital

The Necessity for Identity Capital

VTSAX vs VTI: Which Vanguard Fund Should You Choose?

VTSAX vs VTI: Which Vanguard Fund Should You Choose?

Retirement Planning: Achieving FI on an Average Salary

Retirement Planning: Achieving FI on an Average Salary

Roth IRA 5-Year Rule Explained (2026 Guide)

Roth IRA 5-Year Rule Explained (2026 Guide)

Coast FIRE: The Complete Guide to Financial Freedom Without Saving Another Dollar

Financial Independence

Coast FIRE: The Complete Guide to Financial Freedom Without Saving Another Dollar

Coast FIRE means your existing investments will compound to your retirement number without saving another dollar. Learn the exact formula, calculate y...

Jonathan Mendonsa · Jul 8, 2026 · 1 min read

The Debt Snowball Method: Why Quick Wins Build Unstoppable Momentum

The Debt Snowball Method: Why Quick Wins Build Unstoppable Momentum

The debt snowball method pays off your smallest balance first, creating quick wins that build momentum. Research shows people who experience early pro...

Jonathan Mendonsa · Apr 28, 2026 · 1 min read

The Debt Avalanche Method: Pay Less Interest, Reach FI Faster

The Debt Avalanche Method: Pay Less Interest, Reach FI Faster

The debt avalanche method targets your highest interest rate debt first, saving you the most money over time. This guide walks through the math with r...

Jonathan Mendonsa · Apr 28, 2026 · 1 min read

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Actionable strategies, community wins, and podcast highlights delivered every Tuesday.

The Hybrid Debt Payoff Method: Best of Snowball and Avalanche

Apr 28, 2026 · 1 min read

Roth IRA 5-Year Rule Explained (2026 Guide)

Apr 22, 2026 · 1 min read

The FI Table of Contents: Your Roadmap to Financial Independence

Apr 10, 2026 · 1 min read

How to Do an Expense Audit (And Find the Spending Leaks Draining Your FI Number)

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Financial Independence

How to Do an Expense Audit (And Find the Spending Leaks Draining Your FI Number)

The ChooseFI expense audit is a four-hour exercise that reveals the spending leaks standing between you and financial in...

Jonathan Mendonsa · Apr 9, 2026 · 1 min read

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