Login
Financial Independence

Savings rate, FI number, and the path to freedom.

Retirement Strategies

Withdrawal plans, Roth ladders, and early access.

Investing

Index funds, asset allocation, and real estate.

Tax Strategies

Roth conversions, capital gains, and FI tax planning.

Earning More

Career growth, side hustles, and entrepreneurship.

Money Mindset

Beliefs, purpose, and financial psychology.

Health & Fitness

Exercise, nutrition, and mental wellness.

Making Sense of Cents
FI Fundamentals
Ep. 069 · · 58m 0s

Making Sense of Cents

Making Sense of Cents creator shares personal debt payoff strategies that built a six-figure online business.

Hosted by Brad Barrett & Jonathan Mendonsa · Guest: Michelle Schroeder-Gardner
0:00 / --:--

A financial analyst turned digital nomad now earns $1.5 million annually from her blog — and documents everything along the way. Michelle from Making Sense of Sense started by publicly tracking her debt payoff journey in 2011. Three years ago, she was making $13,000 per month from blogging, which seemed like success. But she's since 10x'd that income while living full-time in an RV with a 95% savings rate.

Michelle's story shows what's possible when you combine authentic personal finance storytelling with strategic affiliate marketing and consistent content creation. She breaks down her approach to understanding reader needs, maintaining a conversational writing style, and leveraging Pinterest for traffic. Her transition from documenting personal struggles to building a million-dollar business demonstrates how blogging can become a viable career path, not just a side hustle.

Beyond the income strategies, Michelle offers insights into the digital nomad lifestyle — the practicalities of RV living, how she structures her workday around exploration and outdoor activities, and the mindset shifts required to embrace location independence. Her transparent approach to sharing both successes and struggles has built a strong community around her work.

Key Topics:

  • Introduction to Michelle Background and initial motivations for starting her blog.

How Close Are You to Financial Independence?

Free calculators, a personalized FI roadmap, and a community of 25K+ on the same journey.

Michelle's Blogging Journey Evolution from documenting personal finance struggles to building a successful blog.

  • Understanding Affiliate Marketing Strategies on how to leverage affiliate marketing for income.

  • Living as a Digital Nomad Insights into her RV lifestyle and the freedom it provides.

  • Pinterest as a Marketing Tool Tips on utilizing Pinterest for blogging success.

  • Michelle's Hot Seat Questions Rapid-fire responses that highlight her personal insights and experiences.

  • Key Quotes:

    • "Sharing personal journeys empowers others to take charge of their financial future."
    • "Conversational writing builds connection: Engage your readers authentically."
    • "Visual appeal is vital for online success: Make your graphics pop!"

    Related Resources:

    Loading transcript...

    Comments

    Your comment will be posted after signing in
    Join the Conversation

    Create an account or sign in to post a comment.

    Track Your Progress to Financial Independence

    Get your personalized FI number and track how close you are to reaching your milestones. Most members are closer than they think.

    Personalized FI number calculation

    Track progress to Coast FI & full FI

    Live dashboard updates as you hit milestones

    or

    100% free — no credit card required

    Account created! Redirecting...

    Try searching for

    ⌘K to open anytime

    Where Are You on the Path to FI?

    1/3

    Step 1 of 3

    Which of these sounds most like you?

    Scan to get the app

    Point your phone camera at the QR code