Fiology: The Study of Financial Independence (FI)

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Generational Wealth Origins – Raising Your Money-Savvy Family

What is generational wealth?  Generational wealth is defined as the value of assets passed from one generation to the next. It can include real estate, intellectual property, businesses, and/or collectibles. Why are so few in...

FINANCIAL INDEPENDENCE WITH GEOARBITRAGE

Once our eyes are opened to the world of Financial Independence, we begin to focus on what works best for us to achieve FI sooner rather than later. Zach and I determined to pursue Financial...

A FINANCIAL INDEPENDENCE AWAKENING

Justin David Carl and Carly Lyn Wise at Big Sur Coast From Financial Ruin to Recovery My Financial Independence (FI) Awakening was born out of financial ruin. I was 6 years...

FINANCIAL INDEPENDENCE AFTER COLLEGE

We rarely think about retirement, much less achieving Financial Independence after college, during our college days or early twenties. We were fortunate to discover Financial Independence early on and shape our life so that we...

FINANCIAL INDEPENDENCE IS A WAY OF LIFE

Even though we all have our unique money journeys, I think my story is normal and I am just your average guy. I am an enlisted Marine who made far too many financial mistakes through...

A MINORITY FINANCIAL INDEPENDENCE STORY

The Lottery of Life When I moved from Haiti to the United States at age 11, I knew I had won the lottery but I had no clue how much I had won. Growing up...

FINANCIAL INDEPENDENCE: EASY AS ONE, TWO, THREE

I can’t believe that it’s only been a little over two years since my husband and I discovered Financial Independence, Retire Early (FIRE). It’s crazy that in such a short period of time, we were...

HAVING FAITH IN FINANCIAL INDEPENDENCE

I’m Becky, I’m 64 years old and have been married to Stephen for more than 40 years. We have three adult children. Like many, we’ve faced life challenges and didn’t always make the most calculated...

REINVENTION OF SELF THROUGH FINANCIAL INDEPENDENCE

Goats, Goals, and Delayed Gratification My Financial Independence (FI) story begins in my grandfather’s lap. He often read me the children’s book, Dr. Goat, which sits on my mantle today. This story is about Dr....

HEALTH, HOPE, HAPPINESS, AND FINANCIAL INDEPENDENCE

With the script for the American Dream held tightly in hand, I set out to live my dream life by pursuing the one and only path. I knew that a college degree in a high-tech...

FINANCIAL INDEPENDENCE FOR FAMILY

I was born in Maracaibo, Venezuela in 1980 and I think that makes me a borderline millennial with some behaviors from Generation X. I was raised by frugal parents who taught me the value of...

MY FI PATH TO LIVING LIFE ON MY TERMS

If you told me I would grow up to be an entrepreneur, I would’ve said you were nuts. My path to entrepreneurship hasn't been easy. It started in college. I spent four years laser-focused on...

FINANCIAL INDEPENDENCE BEFORE 40 WITH PENSION AND REAL ESTATE

I am an enlisted service member with the U.S. Air Force. My wife is a medical writer with a Ph.D. in neuroscience. We are DINKS (dual income, no kids) and will be financially independent (FI)...

PUTTING THINGS BACK WHERE THEY BELONG

From College Dropout to… My wife, Carol, and I met in spring 2014. She was living in Frederick, Maryland, working as an au pair, and I was a student at Penn State. A few months...

BOUNCING BACK WITH THE BRRRR METHOD

Over the past four years, my husband and I have journeyed from virtually no hope of ever retiring to tripling our net worth and earning enough passive income to nearly cover our monthly expenses. We...

ON LOYALTY, LIVING, AND THE LONG GAME

I discovered Nils and Jonas when researching the topic of Stoicism to support Fiology Lesson 43: The FI-losophy of Financial Independence. Since then, we have interacted on a number of occasions and their professionalism and...

GOING BRRRRSERK WITH REAL ESTATE

Those of us who use rental real estate as a tool to achieve Financial Independence are likely familiar with BiggerPockets and some of the associated personalities. David Greene is the co-host of the BiggerPockets Podcast...

FROM TYPICAL WORK DAY TO LIVING LIFE YOUR WAY

I have what most would consider to be an amazing job. I make more money than I probably should, I have more time off than most, I have a lot of autonomy in the work...

FINDING A FINANCIAL PATH WHILE THE CAREER GAME CHANGES

Early Foundation My parents were both professionals who absolutely believed in the importance of education. My father was a manager at the wood products company in town, and my mom was a teacher who stayed...

FROM BABY STEPS TO FI SPRINTS

Thrift Shop Inspiration My FI journey began late 2012. I was with family, wandering around a thrift shop and happened upon a copy of The Total Money Makeover by Dave Ramsey. I remember thinking to...

NEW TO FINANCIAL INDEPENDENCE AT 40

We prepared emotionally and financially for the ax to fall for nearly five years, but when it finally did we weren’t ready. The timing was terrible. As each round of layoffs passed and we weren’t...

A DREAM PENSION FACES RETIREMENT REALITY

College and Credit Cards My mom raised my brother and me to learn to work for what we have and to never rely on someone else for money. Our mother wanted us to be financially...

FINDING JOY IN THE JOURNEY

Whether my parents knew it at the time or not, they have changed the generations to come in our family forever by not settling where it was easiest. Both of my parents, and step-parents, fought...

A LETTER TO MY 22-YEAR-OLD SELF

Hello, twenty-two-year-old Joel! Greetings from a decade in the future. There’s so much to catch you up on: There’s a new Power Rangers movie! Apple makes cell phones now! And we have electric cars that...

HOW ICE FUELED OUR FIRE

I grew up thinking of money as a means to procure the things that brought immediate satisfaction. As soon as I had it, I used it, and I felt fine doing so. I never lacked...

THE POWER OF A POSITIVE ALTER EGO TRIP

Dr. Jekyll has Mr. Hyde, Beyoncé has Sasha Fierce, and I have Jade. My FI alter ego was born in 2015, on a quiet, gray evening in Everett, WA. I remember it because it was...

MY FINANCIAL MIDLIFE CRISIS

My midlife crisis came two summers ago when I realized how close I was to retirement eligibility yet how far I was from retirement capability. I was talking to a colleague and close friend of...

CONFESSIONS OF A CAMPFI IMPOSTER

This was my first CampFI ever and I wasn’t sure what to expect. I am not a “FI” person per se however, I heard a lot of good things and wanted to see what all...

ESCAPING MY DOUBLE LIFE AND FINDING HAPPINESS

My last day working for “the man” was two weeks ago and I am now officially free to lead Above the Clouds Retreats in Ecuador. What a beautiful word—free. I wish I could say I...

BUYING A SECTION 8 RENTAL PROPERTY IN LITTLE ROCK

When I graduated from my various professional programs and got my first “real job,” I knew I needed to start saving for retirement. I bought a home, but due to my employment situation, I didn’t...

THOUGHTS AND REFLECTIONS OF A LIFE IN FIRE

Our story seems quite different than most. However, anyone can use the lessons (or mistakes) from our life to better themselves. Lessons: My LifeInFIRE started out when I was 12-years-old. I grew up in a...

LIFESTYLE DESIGN AND FINANCIAL INDEPENDENCE THROUGH TRAVEL THERAPY

From a very early age, I learned to not ask for money. At 4 years old, I immigrated to the US with my brothers and dad. For four years, my dad was the family's sole...

Fiology.com 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.

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