financial independence

My 2022 Investment Strategy: Uncertain Times Are Here

I initially wrote this post in mid-February 2022 and the stock market was not looking so good. Currently, stock market sentiment is still not great. This is why I adjusted my investment Strategy during uncertain Times With this market correction and fears of world war III, I figured that I would share my investment strategy …

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9 Transformations On The Road To Financial Independence

While taking our personal finance onto another level, a few small changes led to larger transformations that both simplified and elevated our lives. Transformation #1: The Personal Finance Ninja I’d like to credit this term to Stephanie, from poorerthanyou.com. Becoming a personal finance ninja is exactly how I would describe our transformation. We became more …

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June 2019 Update: 26% to Financial Independence

I started this series to reflect on our goals and share some things I learned each month. For now, I’ll primarily be tracking our progress to financial independence. I hope you get some value from this and if you haven’t already, join the Flexcents community as it continues to grow! Our Progress to Financial Independence …

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Lifestyle Inflation: Save Yourself From The Rat Race

Lifestyle Inflation, also known as lifestyle creep, occurs when individuals increase their standard of living as their discretionary income rises. It becomes a problem when people prioritize luxuries instead of paying off debt, building an emergency fund, or saving for retirement. Ultimately, it prevents them from building wealth and makes their lifestyle increasingly expensive to …

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College May Cost Over $100,000 in 20 years!

According to the data from collegeboard.org, four-year public universities raised their tuition & fees by an average of 5.26% per year during the last 10 years (2007 – 2017). This number increases to 6% when you capture the last 20 years and 7% since the 1970s.  What Does This Mean In Dollars?  Vanguard’s College Cost Projector will …

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