About Fiology and the Motivation Behind It

What is Fiology?




  1. the study of financial independence

Fiology.com is an educational resource designed to teach you about Financial Independence (FI). We have scoured the internet to find content from the best and brightest of the FI community and have created lessons covering the critical concepts of FI.

We have seen and lived firsthand the benefits of FI. Our goal is simple: to share information and encourage others to achieve FI.

Fiology operates on the tenet of purpose over profit. For every copy of The Fiology Workbook: Your Guide to Financial Independence sold, one copy is given to promote Financial Independence education.

A Note from the Founder of Fiology

Isn't money interesting? I started earning money selling boiled peanuts for a neighbor’s dad at about 13 and then had a few more jobs before moving on to washing dishes in a restaurant on weekend nights during the school year. I soon was promoted as a cook and that job carried me through the rest of high school and a few summers during college.

After high school, my identical twin brother Stephen (founder of CampFI) and I enlisted into the Navy. Within a year we were selected for NROTC programs. He went to the University of Florida and I went to Vanderbilt University where I studied Education and Social Studies. During one of my midshipman training cruises, where we would spend a few weeks underway on a navy warship learning about what it is we may be doing in a few years, I read Rich Dad Poor Dad for the first time. While Robert Kiyosaki’s credibility has been debated, that book really motivated me to learn more about how to use money to make more money.

About the time college graduation came, I had an idea to start a website called investmentneighborhood.com. The purpose of investmentneighborhood.com would be to link people wanting to learn about investing with Certified Financial Planners (CFPs) for education and guidance. Investmentneighborhood.com never really came to fruition but I continued to read personal finance books and shared what I learned with my peers.

Years later, in 2015, Stephen introduced me to Mr. Money Mustache. This was the first time I heard someone articulate in a matter-of-fact tone what I already believed about the value of money and how to use it to position myself and my family for a fulfilling future. And of course this led me to many other valuable sites and blogs that discuss Financial Independence.

I adhere to and advocate for many of the critical concepts the Financial Independence community has become known for. I’ve been to a handful of CampFI events and founded Fiology because I believe the message of Financial Independence is worth sharing. In my daily life, at events, in online forums, and in Facebook groups, I encourage others to consider exploring the critical concepts of Financial Independence.

The reason Fiology now exists is because whenever I would introduce the concept of Financial Independence to a family member, friend, neighbor, or coworker, it always ended with me writing a list of what I considered the top sites, and then I would have to write notes stating who was known for real estate, who was a frugalist, who was the minimalist, etc. I didn’t know of a single site that laid out a logical step-by-step progression through the concepts of Financial Independence. That is what Fiology is designed to do. Now I can simply say, go check out Fiology.com and enroll in the free weekly lessons.

As far as my own Financial Independence journey, I purchased my first rental property in 2011. It was a single family 3 bedroom / 2 bath typical ranch style brick home in my hometown of Warner Robins, GA. This was before I ever heard about the 1% rule or much of the other guiding principles of wise real estate investing so readily available on the internet now from sites like Bigger Pockets, Coach Carson, and Afford Anything. I’m 40 now as I type this so I was around 32 at the time of that first purchase. Since then, I’ve purchased 6 more rental properties in the same area. These properties provide income every month and my intention is to add at least one more in the next year or so. At that time, I will likely begin receiving a decent pension with a good amount set aside in retirement accounts and will proclaim Financial Independence using this three-legged approach.

I have a few years left as an active duty military member. And when the day comes I no longer have to put on a uniform and go to work, my family and I will be able to pursue our passions, whatever those may be at the time - and isn’t that what life should be about?

My motivations for Fiology are simple – to share the message of Financial Independence while highlighting some of the best and brightest in the Financial Independence community on the internet. At no point will a visitor be charged by me to access the information on the site. The majority of the material Fiology uses is free and readily available elsewhere on the internet. The value of Fiology is that it takes that information and organizes it into an easy reference that we can share with those interested in the concept of Financial Independence. I have found the FI community to be overwhelmingly generous with their time, effort, and knowledge. I believe you will too. Thank you for enrolling in Fiology.

Very Respectfully,

David Q. Baughier


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

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