I’m Olivia, a 25 year old woman living in New York City.
I discovered the Financial Independence Early Retirement (FIRE) community in 2017 and realized I could retire at 30 if I worked hard. If other people can retire early in their 20s and early 30s, so can you.
This blog allows me to practice my writing skills, but my real expertise lies in programming and spreadsheets, so I created an 18 day free personal finance course, complete with an awesome spreadsheet that optimizes your expenses in every category you can imagine. It’s free because I believe everyone should have access to personal finance knowledge. Sign up below or check out the exact roadmap here.
I’ve also created money guides for different parts of your life. They work like a flow chart, to simplify your personal finances:
- The Step By Step Guide To Where Your Money Should Be Invested
- The Three Step Blueprint To Paying Off Your Student Loans In Record Time
- 6 Common Things You’re Doing WRONG With Your 401k and How To Fix It For Free
If you’re a beginner, make sure to check out the money challenge pages so that you can start saving with the right tools:
- 20 Free Money Tools And Resources To Fix Your Finances
- How To Do a No-Fail No-Spend Challenge (Free Printable!)
- 52 Week Money Challenge With Free Printable
I think a lot of people don’t realize how much daily vices are costing them in terms of savings. Myself included for a while too. Eating out all the time, buying coffee at Starbucks, clothing consumption, subway/car expenses all add up to years off of your early retirement date. If you hustle and save, I firmly believe you can retire in less than 10 years.
Check out these articles to reduce your vices:
- Amazon Vine: The Secret To Getting Free Stuff On Amazon
- How to Become Yelp Elite: The Perks of Fancy Free Food and Cool Experiences
- 14 Best CashBack Apps And Sites To Get Money For Things You’re Already Buying (+Sign Up Bonuses)
- 50 Budget Friendly Summer Bucket List Activities
- Retire 3 Years Earlier By Cutting Down Your Clothing Consumption
- Canceling Hulu + Netflix + Cable and Keeping Internet
- Metromile Review: Pay As You Go Car Insurance – Pay Per Mile
- Alcohol Consumption Will Cost You 3 Years Of Early Retirement
- How To Grow Your Own Herb Garden
- Citibike Savings Review: Save $1,000, burn 15 pounds, and 112 hours in transport time every year
We’re also big fans of how to make more money and monetize your life by doing things you were doing anyway:
- 150+ Smart Side Hustles and Ways to Make Money
- How To Monetize Your Weight Loss and Exercise Routine
- Best International (Non-US) Sites To Make Money Online
- How To Monetize Your Life By Doing Things You Already Do
Don’t worry though, it doesn’t mean you can’t have all your nice luxuries. We fly business class for $6 (yes six dollars) due to travel hacking — see our Japan trip and our Bali trip. We eat at fancy restaurants for free, but are also willing to pay $350 for a meal if we can’t figure out how to hack it. You can even get luxury clothing new with tags for 90 percent off. All you have to do is understand the secondary luxury market.
Our luxury travel and lifestyle posts here:
- How To Go To Disney World For Free
- Free Travel To Miraval: How I Got A $4,000 Trip For $240
- Birthday Freebies: 300 Companies That Give You Free Stuff
- The Optimal Guide To Earning Chase Ultimate Rewards (UR) Points To Get Free Luxury Travel
- Travel Hacking Japan 1: Tokyo
- How I Went To College For Free
- The Best Travel Card: Chase Sapphire ($500 Bonus)
Find out why we love geoarbitrage here:
- Why I’m Considering A Geoarbitrage Lifestyle in My 20s
- The Ultimate List of 18 Geoarbitrage Cities Worldwide
- Create Your Own Basic Income Before It’s Too Late
Improving Your Productivity and Mindset:
- 50 Self Development and Growth Books That Are Integral To Life
- Why You Need Do The 30 Day Digital Detox Challenge (Free Printable!)
Here are some real life FIRE lovers who we’ve interviewed:
- Meet Hiro: 50%+ Savings Rate in NYC on $60k/year, AVM survivor, $100k Before 30
- Millionaire Profile #1: Finance Stoic
When I told my best friend I could retire at 30, she didn’t think I would actually retire, and I don’t think I will either. But I’ll be financially independent enough to do anything I want.
I can join a startup that pays less than the market and not worry about it blowing up, work at or start a non-profit, or just spend time with my kids and travel around the world. I’d like to become Mikey Chen and just travel the world vlogging about food and travel. I’ll be able to get those cheap last minute fares in the middle of the week. Maybe even one of those first class redemptions that Lufthansa seems to only open 9 days prior to departure.
The point is that once you build up a nest egg that is 25 times your annual expenses, you can do anything you want. Forever. You have the freedom and optionality to do anything. Sacrificing a few years of harder work and higher savings is worth it to me. Maybe it’s worth it to you too. It’s always better to flex your frugality muscle early on in case something in the market goes wrong.
The traditional age of retirement at 65 is old and outdated. Now that investing is available to everyone, it’s possible for the everyday person to retire decades earlier.
Feel free to reach out, I love engaging with my readers! Please note, I am not a professional. Just happy to give my opinion.
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I am not a professional CPA, accountant, lawyer, etc. All views are my own, but are subject to misgivings as I am one person writing a blog for fun. Please do your own due diligence.
All opinions are my own, and I only show products I actually use or believe will be useful to someone else. If you click on a link in the blog, I may get a small commission. Not all links generate a commission, and if this makes you uncomfortable, please feel free to google the product and then check it out.
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Olivia worked in finance and wants you to learn the secrets of financial independence. She believes there are so many ways to monetize your life and make money doing the things you're already doing because so many companies offer free money.
The average savings account rate is 0.1%. The big banks have incredibly low savings accounts rates. CIT Bank offers a 1.75% savings account. You can open an account with just $100 and no monthly fees or charge . Tired of being charged fees and getting peanuts in interest at your current bank? Open a CIT Bank savings account in less than 15 minutes online.
If you have a car, Rideshare apps allow you to pick a direction you want to go twice a day, so you can get extra money going somewhere you were driving to anyway at least twice a day. Get a $300 sign-up bonus with Lyft.
One of my favorite ways ways of monetizing my life is via credit card bonuses with cards that give you cashback or rewards. Check out our review of the Chase Sapphire cards, which give you at least $500 in cash or $625 in travel credit.