Fiology gives you all you need to know for Financial Independence.

Congratulations on your decision to achieve Financial Independence. Your future self and family will thank you!

In the simplest terms, you become Financially Independent when your accumulated assets provide income that meets your planned living expenses. Once you’ve met that mark, you have the option to no longer work a job for pay.

We are only on this planet for a short amount of time. Your choice to achieve Financial Independence means you’ve decided you don’t agree with the traditional life script. Working until you are 65 and retiring to enjoy the last third of your life isn’t going to cut it.

You want more.

You want to take as much control of your future as practically possible. Achieving Financial Independence gives you that control. Even if you start this journey later in life than expected, you will be far better off in the future for committing to it.

As anyone who has been a victim of downsizing, unfortunate circumstance, or simply bad luck knows, life has a way of presenting obstacles. These distractions will factor into our progress toward Financial Independence.

Even after we reach our magic number, we are not immune to life’s tough times. Being Financially Independent does mean, however, that we weather the storms better when those difficulties arrive.

We all come to this point at different stages of our lives.

We have different beliefs, habits, incomes, desires, and skills. Yet every person on the Financial Independence journey shares a willingness to test the bounds of their understanding and to take action to achieve their goals.

The math of Financial Independence is fairly straightforward, but your journey will be anything but simple. You will learn more about yourself and the world around you. You will use this knowledge to design and experience the life you know is right for you.

There is no official "right way" to achieve Financial Independence.

While Fiology will give you all you need to know for Financial Independence, don’t forget that there is no “official” right way to achieve Financial Independence. There is simply your way. Fiology, and the content that supports it, will provide methods and justification from the personal knowledge and experience of people walking the Financial Independence path.

What they share, while valuable, may not be what you choose to focus on to get you to where you want to go. Learn from it. Understand that it is an option to consider, nothing more.

This is your journey.

You will explore your mindset, your habits, your decision-making processes, your own personal philosophy, your happiness, and your beliefs. These factors, at first glance, appear to have little to do with making money.

You will discover just how important these factors become in achieving Financial Independence. Do not neglect these concepts.

There is a reason you’ve chosen to achieve Financial Independence. It isn’t because you want to log in to your bank account every day and see a number with a lot of commas. It is what that net worth affords you that’s motivating.

You may want to spend more time with family, travel, or pursue a hobby. If you remain locked into the traditional script of working a job that continually pulls you away from these fulfilling endeavors, you may not have the time and energy.

Welcome to The Financial Independence (FI) Community.

Along this journey you will discover others like you, who see the world differently than most. We will help nurture your journey. It is in our nature to spread the message of Financial Independence and serve as a mentor for anyone who truly wants to achieve it.

You have the ability to shape your future for the better. Take ownership and do what it takes to discover and live your best life.

Fiology and those who support it will be here to provide knowledge and encouragement along the way.


Very Respectfully,

David Q. Baughier is an educational resource designed to teach Financial Independence (FI). We scoured the internet to find content from the best and brightest of the FI community and created lessons covering the critical concepts.

Get free weekly Fiology lessons straight to your inbox!

Please enter your name.
Please enter a valid email address.
Something went wrong. Please check your entries and try again.