Attack your debt like it stole your bike. Seriously, you have to attack your debt from multiple angles. Often, we focus on one quadrant at a time rather than using all four quadrants to go after the debt. Instead of focusing on just reducing expenses, also apply for a new job paying you more and get a side hustle to supplement your new income. While you’re at it, look at ways of reducing the debt burden by negotiating a lower interest rate on your credit cards or using a

The Math doesn’t make sense, but the heart says otherwise I’m a math guy, or some would say a nerd. I know it doesn’t make math sense to pay off the house early when instead you could use the magic of compound interest to grow your wealth. I also know that if you did invest the money and watch it grow, in due time you could still pay off the house. I’ve even run calculations and for the nerds who read this, I have them at the bottom of this post. However, the math doesn’t

In just about six years, from 2015 to 2021, We’ve been able to more than double our net worth. Mrs. Chocolate likes to say it’s paper money. Indeed, 90% of our net worth is in stocks and mutual funds, primary home and rental properties that will continue to grow but more likely than not are not available to us until we’re in our retirement. Thankfully, with this amount we should be able to reach FAT FIRE by the time we’re ready to retire. Progress over the last six years: P

The New Car Smell What kind of car do you drive? Your car may say a lot about you, but what you don’t want it to say is that you wasted your future retirement in owning cars. According to AAA Research, the average American spends close to $800 on a car payment monthly, that’s $9600 a year. If you are married, you are likely spending $1,100-1,500 per month. They are also likely buying a brand new car, which typically cost $40,000 and financing it for over 7 years, that’s 84

If you don’t know where you’ve been it’s hard to know where you’re going. Growing up as an immigrant, I knew there were three ways to financial freedom: (1) get an education and get a great paying job; (2) start a business and hope that it is successful; or (3) use whatever money you can find to save and invest in the stock market or real estate. The education part got taken cared of when I joined the military and I was able to get a bachelor’s degree debt free. While under