I came across the ChooseFI podcast in April 2019. We had been walking the Dave Ramsey baby steps for a few years by then. We had eliminated consumer debt and learned to save with discipline. We paid cash for our wedding and honeymoon, our cars, and our travel. For the first time ever, we had […]
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November is for thanksgiving and open enrollment! I have been working for the same organization for 8 years, and I find that this yearly process is a great test for my knowledge of personal finance. The way I navigate open enrollment has changed as our financial picture evolves. At first, the process was filled with […]
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A few years ago, my husband and I were living in a high cost of living area we loved. Our neighborhood was beautiful, we had great friends, and there was lots of opportunity for career growth. When we started contemplating buying a home, it didn’t take long to realize our estimated budget wasn’t going […]
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Dave Ramsey’s radio show and his book “The Total Money Makeover” were my first introduction to personal finance. His content exposed me to stories of regular people achieving incredible results; it gave me hope that one day I could be one of them too. Dave’s famous Baby Steps was the first framework I followed to […]
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Every single car we have owned we have bought with cash. To be honest, that wasn’t the plan when I dreamed of buying my first vehicle; I just got denied for the first (and only) car loan I applied for. Back then, 2006 to be exact, we weren’t putting much thought on our finances. Thinking […]
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When we were little, we use to ask each other “what would you do if you win the lottery?” ALL the time. It was the dream we all shared; it was THE WAY we will become millionaires one day. “I will buy a mansion” “I will end world hunger” “I will invest some and buy an island” […]
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It is well known that our perceptions deeply influence our behaviors. If we have a negative view of wealthy people then it becomes much more difficult to become one. In the same manner, adopting frugality as part of our daily life won’t be easy if we perceive it as being the same as being stingy […]
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As the start of our FI journey is fresh, I wanted to reflect on our prior decisions and habits that helped our finances as well as those that didn’t. Even when we were clueless about money, we made some smart moves earlier on that we would certainly make again. However, there were also plenty of […]
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Our whys are what keep us on track when we our low on our motivation meter. They are big, powerful, meaningful motives that drive our daily decisions. We may think of them as what we hold on to as we delay gratification. However, I believe we actually get to live these whys along the way. […]
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Not long ago, all the FI concepts were very foreign to me just like I was when I migrated to the United States. When I decided to make a change, it meant stepping out of what I knew, to take on new challenges for a better future. I am also an immigrant in the United […]
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