People who are financially
independent aren't necessarily making more money or smarter
than others, but they are probably better at making financial
decisions. They set their goals, make a plan,
and stick to it. They look at tax implications,
returns and risk, project all the figures into the
future, and then decide on a course of action.
This sounds complicated, but our calculators and our
recommendations are here to help simplify your
decisions. When you have all the information,
making decisions becomes much easier.
Throughout this website we have
resources, tips and
calculators which will allow you to compare different
scenarios. You will be able to see what a big
difference a small change in your money
management decisions can make. You may
not think that this applies to you when you are young, but this is when it is most
important, because you have the luxury of time (and
compounding!) on your side.
Some people giving financial advice
are in a conflict of interest, because they benefit if
you follow their advice. We do not earn money
from any of the recommendations that we make.
Our income is from visitors to our website clicking ads.
The advice on this website is not tailored to anyone's
individual situation. It is wise to get a second
opinion for any financial advice you receive,
including ours. Before making a major financial
decision, you should hire an independent
professional advisor (paid by the hour) to review your
Our Free In
30! page will provide you with the plan we have used in
our life. We haven't always followed the plan, but
we managed to retire at fifty after starting married
life with nothing.
Every person's situation is different, and one plan
does not fit all. You need to sit down,
define your goals, and figure out your own plan. Life is a series of
choices, and every person is the master of their own fate. Forming
and following the plan requires that you make choices, some of
which can be difficult, and some of which will require a lot of
dedication. Everyone's goals should include buying
their own home, and getting out of non-tax-deductible debt as quickly as
This website is still in its infancy, and we plan to develop
it into a reference site for US tax and financial information. Our
sister site, TaxTips.ca, is
already a well-known tax and financial information reference site for
The resources on our site include: