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This page is your guide to getting started reading our blog. We have highlighted some of our favorite posts and organized them in the tabs below. Whether you are interested in cheap travel, lifestyle changes, mindset re-boots, money saving tips or how to buy the best coffee for the cheapest price- we hope this page will help you get started.

I would begin with the Starter Kit below!

Our writing comes as a direct reflection of what we are thinking about and doing at the time. Occasionally we suggest purchases, but we only list them if we have found them helpful in our own lives. We would also be grateful if you used any of our links, as it is NO extra cost you and gives us a kickback.

We hope this brings some value to your life. If you want to reach out or hire Bethany,  feel free to do so. If you want to know more about who we are head over to our About page or read our Transparency letter to you.

Starter Kit


What does FI mean?

FI stands for Financial Independence which typically means having enough income to pay your living expenses for the rest of your life without having to work full time. Some people achieve this through saving and investing over many years, while others build successful businesses that can generate passive income. This can also mean, being debt free and financially free from owing something to others.

What is FIRE?

FIRE describes achieving Financial independence in order to Retire Early.  The goal here is you develop a means to receive passive income that supports the cost of your lifestyle. This can be retirement income, real-estate, online business…you name it! The 9-5 and typical work till you are 60 are not the norm in this community.

FI vs. FIRE??

The two go hand-in-hand, financial independence gives you the choice, rather gives you time back to do whatever you want. That includes still working your 9-to-5 job; if it’s something you love and are passionate about then by all means keep doing it. Maybe you love your job and want to keep working, but a 30 hour work week sure sounds nicer.

That 10 hour work week still sound too long? FIRE it up and retire early.

The Big Picture

What are the main ideas behind all of this?

While everyones FI and FIRE recipes vary a bit, the general premise is to control your money, invest it, save it and create a financially savvy and stable life. For some, this is massive debt payoff, for others it is learning to open up their very first Roth IRA and others creating a budget for the very first time. Personal finance does not have to be a mystery and people in this sphere are writing about how they are taking back their paychecks, being conscious consumers and throwing out the dusty manual on how society says money can work for you.

What does your state of mind have to do with money?

Absolutely Everything

Mental Independence for us means that we re-think and re-consider both what out pasts have taught us about money and what society teaches us about money. This requires reflection and introspection, but most importantly letting go so that you can change those habits. Here are a few of our posts that talk about this:

Financial Independence is Never About the Money 

Are you poor or just broke?

9 Frugal Antonyms to Keep your Lifestyle in Check 

The Cost of Physical and Mental Inactivity

I Suck at Financial Independence: Reflections of a Broke Teacher and Starving Artist 

The Mindset of Taking Action

Bad SEO, Good Storytelling

These are a few favorite pieces that tell a story. While we have evolved from some, they serve as important milestones in our thinking.


Be on the same page.

Who are we?

Check out how we both came to discover FI in very different ways.

Our Calculators

Commute Cost

What is that drive costing you?

Your drive could be so much more than you think. 

If it is, consider alternative commutes here.

Vegan Calculator

How much have you saved by going vegan?

From animals to water what is your vegan savings rate?


A different kind of retirement calculator

Calculate your Early Retirement.

A Directory of Personal Finance Blogs and Resoures

by Rock Star Finance

Blogs by Educators and Teachers About all Things Money

by His and Her FI

hisandherfi podcast

F.I.R.E. Based Blogs and Featured Content

by Camp F.I.R.E. Finance

Personal Finance Blogs by Personality

by My Sons Father

Female Personal Finance Blogs and Podcasts

by Women Who Money

Women of the Financial Independence Movement

by Tread Lightly, Retire Early

Travel Hacking 101

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