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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The more I learn about personal finance, the more I am aware of the well-intended decisions that actually sabotage our progress. We begin to make financial decisions based on the mashup of knowledge (or lack of) we gather from our surroundings: the conversation with our family at the dinner table, the clerk’s savings advice at […]
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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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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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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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