Fiology: The Study of Financial Independence (FI)

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From College to Financial Independence is Six Steps by Steven and Lauren Keys - Fiology

FROM COLLEGE TO FINANCIAL INDEPENDENCE IN SIX STEPS

The two keys to financial independence everyone knows about are increasing your income and decreasing your expenses. If you spend less than you earn, you’re guaranteed to get there eventually. But the third secret ingredient to gaining freedom from the 9-5 is time. By starting early and thinking about money seriously as early as our … Read more

Financial Independence is a Way of Life by David Cole - Fiology

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 my career, as many enlisted members do. Thankfully, I made some OK decisions along the way, like investing in the … Read more

A Minority Financial Independence Story by Fritz Basco - Fiology

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 I knew we had it good compared to the people back in Haiti. I no longer went most of the … Read more

Financial Independence: Easy as One, Two, Three by Krizelle Pum - Fiology

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 able to get closer to financial independence. And it didn’t take much, but a little bit of intentionality. Our journey … Read more

Having Faith in Financial Independence by Becky and Stephen Heptig - Fiology

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 or ideal financial choices. While we are fortunate to have found sound financial footing, we’ve come a long way since … Read more

Reinvention of Self Through Financial Independence by Dr. Cory S. Fawcett - Fiology

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. Goat, a family doctor who makes house calls to treat sick animals. Near the end of the book, Dr. Goat … Read more

Health, Hope, Happiness, and Financial Independence by Chris and Debbie Emick - Fiology

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 field would give me a head start. I found a career with a real honest-to-goodness pension plan and a 401(k). … Read more

Financial Independence for Family by Juan and Maria Fernandez - Fiology

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 hard work and saving for the future. Modest Beginnings My parents came from low income families. In South America this … Read more

My FI Path to Living Life on My Terms by Josh Stine - Fiology

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 whatever it took to get the ultimate job and be “successful.” Thankfully, I formed great relationships and took entrepreneurship courses … Read more

Financial Independence Before 40 with Pension and Real Estate by Justin and Christina Dennison

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) in April 2020 but will continue working for a little longer in pursuit of “Fat FI.”  Although it has been … Read more

Putting Things Back Where They Belong by Nick and Carol Keesey

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 later, I decided to drop out of college. I did so to pursue a business I had started about a … Read more

Bouncing Back with the BRRRR Method by Jen and Zack Reeves

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 realized this through strategic real estate investing and credit our current position almost entirely to the Buy, Rehab, Rent, Refinance, … Read more

On Loyalty, Living, and the Long Game by Nils and Jonas Salzgeber

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 positive energy always stands out and leaves me even more impressed. These men have earned a level of success as … Read more

Going BRRRRserk With Real Estate with David Greene

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 and author of two real estate investing books. His first book, Long-Distance Real Estate Investing: How to Buy, Rehab, and … Read more

From Typical Work Day to Living Life Your Way by Daniel Killion

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 I do, and my coworkers are overall great people. But this June I will be ending my 15 year career … Read more

Finding a Financial Path While the Career Game Changes by Lisa Duke

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 at home with us until we were in high school. In many ways, my brother and I were fortunate. We … Read more

Evolution of a FI Journey: From Baby Steps to FI Sprints by Chad Methner

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 I happened upon a copy of The Total Money Makeover by Dave Ramsey. I remember thinking to myself, “Can this guy really change a life for a $1?” Short answer was yes, he could. I read … Read more

New to Financial Independence at 40 by Kristi and Jason Arnold

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 impacted, we pushed thoughts of it more and more into the background. So, when the layoff finally did come to … Read more

A Dream Pension Faces Retirement Reality by Annette Whittenberger

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 responsible and she taught us many lessons. Even with her admirable efforts and intentions, life challenged us and my decisions … Read more

Finding Joy in the Journey

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 hard to give my siblings and I the life they couldn’t have as a child. What a blessing it has … Read more

A Letter to My 22-Year-Old Self

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 practically drive themselves! But there’s a serious matter I want to discuss today: your future happiness. Let me describe two … Read more

How Ice Fueled Our FIRE by Tinian Crawford

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 necessities, and so I figured I had all that I needed. There comes a time in many of our … Read more

The Power of a Positive Alter Ego Trip by Ashleigh Evans

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 one of those fork-in-the-road moments that alter your life forever. I was 24, newly released onto the world as an … Read more

My Financial Midlife Crisis by Keith Matthews

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 mine about our years in the education field, and it hit me. I would be eligible to retire from teaching … Read more

Confessions of a CampFI Imposter by Kacy Baughier

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 the excitement was about. The venue for CampFI Southeast 2019 Week 2 near Gainesville, FL was great. “Miss Sarah” delivered … Read more

Escaping My Double Life and Finding Happiness by Cheryl Reed

ESCAPING MY DOUBLE LIFE AND FINDING HAPPINESS

No Longer Working for “The Man” My last day working for “the man” was two weeks ago. I am officially free. What a beautiful word—free. I wish I could say I am completely retired, but I still need an income stream. Rather than going to work every day though, I have now become my own … Read more

Buying a Section 8 Rental Property in Little Rock by Rachel Fazio

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 have access to any employer-sponsored retirement plans. Instead, I tried to max out a Traditional IRA each year. When I … Read more

Thoughts and Reflections of a LifeInFIRE by Kevin Sebesta

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 middle-class home, and in many ways I was lucky. I was taught how to save and how bonds and high-interest … Read more

Lifestyle Design and Financial Independence Through Travel Therapy by Marcela S.

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 provider – paying for our basic needs while sending extra money back home support a family member. My dad could … Read more

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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