Start Here

Welcome to Flexcents, a personal finance blog created to share insights on living a fulfilling lifestyle while working towards optimal health, wellness and financial freedom.

Too many people are living paycheck to paycheck, drowning in debt or are stuck in a job they hate only to end up broke, out of shape or BOTH in the process.

My wife and I were on the same path and were feeling very discouraged, but this all changed when we created a budget, broke through our fear of investing, and mapped out a financial plan towards financial independence, early retirement (FIRE).

Mission, Vision & Purpose

My mission is to spread financial literacy and positively impact lives through sharing my stories and insights while working towards living a rich life ⁠— in more ways than one.

Through being one of many voices sharing their experience towards intentional living, I envision a future where people never feel stuck or hopeless because of the lack of money or fulfillment.

I hope to especially speak to healthcare professionals, teachers, and other public servants who have chosen a career to help others but in turn, may fail to help themselves.

I’m here to let you know that you don’t have to set yourself on fire to keep others warm.

Break FREE

If you’re looking to break free from the societal norm you’ve found some like-minded people.

I’m here to encourage you to take action to build that life you are proud to live – in a body that you are proud to live in.


creator behind flexcents

My name is Art, I’m a physical therapist who graduated with a 6-figure financial burden. One of the most absentminded things I did when in debt was trade a year of my life while working in a toxic environment for the potential of student loan forgiveness. It wasn’t long before working at my first professional job that my dreams and identity were crushed. Even after I realized I was a victim of abuse, I stayed for prospects of student loan forgiveness. It wasn’t until the passing of someone close and a near-death experience that I developed enough sense to escape from the nightmare.

Ten months after the most challenging year of my life, I paid off $115,000 of student debt while working in a more supportive environment.

Now, I no longer feel like a Thera-fish out of water, and I have developed healthy habits to propel me towards my goals.

If you want to learn more, check out my About page.

Otherwise, feel free to get started on some of these posts:

Leave a Comment