Investing during Baby Step 2?

*contains affiliate links* What is Baby Step 2? It is the second step to financial freedom, as written by Dave Ramsey. In this step, you prioritize debt payoff and cut your spending, investing, etc…to nearly 0. However, there are some nuances to it that he does not adhere to, particularly that it does not work Read More

The simplest budget ever

I know there are a lot of budgeting apps, books, methods available on the market but I am here to tell you that you do not really need those. You can do it by dividing your paycheck into percentages. It is like following a budget but in reality, it is more freeing than some budgets. Read More

Why FIRE, Why Debt Freedom. Why?

What is my ‘why?’ I was fifteen when my island was ravaged by 4 hurricanes in a row. Ruining the crops and further crippling the tourism industry. Then, I came of age in 2008. These two events in my life were a wake-up call. My ‘2008’ had happened years earlier so by the time the Read More

The Financial Diet

Just like when trying to lose weight, the relationship with food has to change. Meaning your lifestyle has to change. The same thing happens when paying off debt or reaching FIRE. All the extra and unimportant things must be cut off or at least cheaper options found. Once your cost-of-living is decreased, you can start Read More

What are the baby steps and should you do them?

Disclaimer: This post is a general overview of the baby steps and my opinions. It is not meant to replace Dave Ramsey’s books about the baby steps or financial peace university. I am not affiliated with Dave Ramsey or his companies. Some of you have heard of Dave Ramsey’s baby steps, which are a great Read More