Four Pillar Freedom


The Problem With Most Financial Advice

The problem with most financial advice is that it’s too personal.

The 4% Rule Only Offers One Way to Cover Your Expenses

The 4% rule only offers one way to cover your lifestyle expenses.

Creating an Identity Bridge for Early Retirement

“An identity bridge is a sense of self that carries you through a change from one place to another.”

Examining the Role That Financial Independence Plays in Living a Good Life

Financial independence can bring freedom, but freedom doesn’t guarantee a good life.

Visualizing the Best & Worst Investment Periods in History

These charts show the best and worst S&P 500 investment periods in history.

The Amount You Invest Often Matters More Than the Returns You Earn

Here is the data that shows why the amount you invest often matters more than the returns you earn.

Visualizing the Credit Card Debt Burden in Each State

This map shows how long it would take to kill the average credit card debt in every state.

Why Living Like a Student Has a Massive Impact on Your Long-term Wealth

Here is why living like a student in your first few years out of college has such a massive impact on your long-term wealth.

9 Money Lessons From My 90-Year-Old Grandpa

“Here are 9 money lessons from my 90-year-old grandpa.”

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.