Four Pillar Freedom


How Much Can You Reasonably Expect to Save in 10 Years?

Use this calculator to find out how much you can reasonably expect to save in 10 years, based on income, expenses, and investment returns.

The Benefits of EAI: Enjoyable Active Income

Here are the benefits of enjoyable active income, also known as EAI.

Here’s How the Stock Market Has Historically Performed After a Down Year

Here is how the S&P 500 has historically performed after experiencing a year of negative returns.

Watch my money flow! An animated representation of my 2018 income and expenses.

One user on Reddit shares how his money “flowed” in 2018 with an animated visualization.

Retirement is a Human Invention

Retirement is a human invention and it’s only one of many potential financial paths that you could pursue.

Why Retirement Is a Flawed Concept

Here is why retirement is a flawed concept.

Financial Independence Interview with Urban Homesteader Mr. Crazy Kicks

Mr. Crazy Kicks shares the details of his early retirement.

“I Make $130k Per Year But I Hate My Job. Help!”

Is it worth it to stick it out in a stressful job situation just for a high salary?

Why I Accepted a Part-Time Job on my Path to FI

Jessica shares why she accepted a part-time job on her path to financial independence.

Selling Live Crickets as a Side Hustle

Jeff shares his experience with earning $2,000+ in profit each month from selling live crickets.

A History of Bear Market Bottoms

The Dow just had its best day since March 2009, having many of us wondering, was this the bottom? Is the bear market over?

Jonathan Clements Answers Three Questions About the Current State of the Market

Jonathan Clements answers questions about cash, stocks, and bonds, given the current state of the market.

Will the S&P 500 Ever Be This Low Again?

I use historical data to answer a simple question: will the S&P 500 ever be this low again?

Young, High Savings Rate & Index Fund Investing? You’re doing it wrong

There are many noteworthy paths to financial independence and there is no one size that fits all.

First Principles Thinking: Should You Invest in a 401(k)?

I analyze the benefits and potential drawbacks of investing in a 401(k) and answer the question of whether or not you should invest in one.

Visualizing the counties with the highest median household incomes in each state

This map shows the 3 counties with the highest median household incomes in each state.

How to overcome the “scarcity mindset”

Here is how to break out of the scarcity mindset and shift to a mindset of sufficiency and abundance.

The Reason Many Ultrarich People Aren’t Satisfied With Their Wealth

At a certain point, another million dollars doesn’t make anything newly affordable. That’s when other motivations take over.

The Adjustable Early Retirement Grid

This grid tells you how many years it will take to reach F.I. based on your annual income and expenses.

Do You Need a High Income to Achieve Financial Independence?

Do you actually need a high income to achieve financial independence?

How To Save Thousands of Dollars by Asking One Simple Question

Sometimes all you need to do to save money is ask.

The Personal Finance Correlation Matrix

The personal finance correlation matrix shows what variables impact your ability to reach your financial goals…

Visualizing the Average Cost of Utilities in Every State

This visual shows the average cost of different utilities in each U.S. state.

Visualizing How Much More Expensive Childcare Is than Getting a Higher Education

Dropping your kid off at daycare costs more in 28 states than getting a college education.