Late to the game, Sam, but I like where you, J.D., and others are going with this line of reasoning. Understanding levels of financial independence and financial security are very much needed. I worry that our main message is a turn off to a lot of people because they can’t possibly fathom saving 25 times their annual living expenses or more. For a lot of people, just being able to spend slightly less than they earn and having a modest emergency fund is their idea of financial nirvana. It would be nice if we could somehow champion these people and show them that they are welcomed members of our community. Cheers.
These figures are partially due to a highly progressive tax code that was implemented in the mid 2000’s that really went after income levels above these thresholds. Further, I carefully observed my happiness level from making much less to making much more. Any dollar earned above $250,000 – $300,000 didn’t make a lick of difference. In fact, I often noticed a decline in happiness due to the increased stress from work.

financial freedom blueprint


Since I am less than 21 months away to 55, it is a mental daily struggle to get thru the day, the week and the months. It is so depressing at work since all of my co-workers have been laidoff. There is no one for “water cooler” talk. Over IT 1000 ppl were laid off from 2012 to 2017. It can be stressful at times to support the IT systems by myself. I have hobbies to help take my mind a little off the countdown clock. We take vacations so that I can get mentally away. Since I work from home, we try to go out at least once a week for lunch. I read your site and RB40’s site NUMEROUS times a day to take my mind of work.
I did read the Harry Browne book you suggested. Took some time to finish. Very interesting ideas, though several of the concepts were a bit much for me. Though from the author’s comments to the newer edition, he has changed some of his ideas as well – such as his ideas on marriage. Anyway, it certainly made me think and stretch my perceptions. Any new podcasts in the works?
Our parents grew up extremely poor, but wealthy in tradition, family, and faith.  Their nurturing frugality instilled both a tradition of resisting needless spending and the value of time over money.  Setting a goal to champion frugality has made the biggest impact in wealth accumulation in my life.  This value of frugality is a tradition that my wife and I are passing on to our kids.

financial freedom mortgage


All written content on this site is for information purposes only. Opinions expressed herein are solely those of AWM, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.
This is what I what I hear. Sell all your stuff, except for a tent, and move to the woods so you will never have to pay rent or utilities again. Joking aside, I actually come across a blog that promoted dumpster diving for food. No thank you! Realistically, most of us will not want to do the things required to retire at 30, 40 or 50. In fact, many people who are reading this likely are not saving enough to maintain their current standard of living during their golden years, if they retired at the age of 70. It pains me to report that about 21% of people have zero, zilch, nada saved for retirement, according to the Northwestern Mutual's 2018 Planning & Progress Study.

Great goals! It’s nice to see your journey play out. Since you are now talking about Thailand in your early retirement plan I thought I would point you to someone very interesting. When you have a minute, google “Paul Terhorst.” Since you are traveling in FI circles, you’ve probably already come across his name and read his book “Cashing in on the American Dream: How to Retire at 35.” In case you haven’t, he and his wife retired at the age of 35 back in the 80’s with about $500k. They have been perpetual travelers ever since – spending significant amounts of time in Thailand, Argentina and other parts of the globe. He would be a wonderful person to feature on your next podcast if you can get him. I consider him to be one of the grandfathers of the FIRE movement.
GoodFinancialCents.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. For more information, please check out our full disclaimer. GoodFinancialCents.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.

I’d stick with Amazon if I were you. All of my Amazon sites only have Amazon affiliate links. If you use Google Adsense display ads on your site, you’re literally taking people away from your site for the sake of just a few cents with these type of ads. If you direct them just to Amazon, then you have a greater chance of earning more money from that click.

Having no debt during retirement is an absolute must for me but I still wouldn’t be able to deal with budget FI. Having ~$40,000 a year to pay for health insurance, property/car insurance, gas, food, utilities, internet, cellphone, etc. doesn’t leave much for fun stuff. I look at FI as the ultimate goal. Goals are supposed to be the best situation I can strive for based on my personal wants. Baseline FI would allow me to pay all the bills AND have fun. Whereas budget FI is allowing just enough to cover expenses.

Because 2Checkout exclusively sells software and digital products, it is best suited for established influencers whose target audience is interested in buying products in this niche. But while you won’t find any physical products for sale, 2Checkout is probably the market leader in selling software of every type, including very specific use case items (like software that can convert Microsoft Word documents to PDF, for instance).
I’m 19 and I’ve been working for about 2.5 years, and I’ve saved up a good chunk of money. However, I started college this year, and I’m trying to balance tuition payments and the urge to spend my money carelessly. Do you have any tips for cutting down spending? Or how much of my paycheck I should be spending if I make anywhere between $600-$800 a month?
This last stage is a concept that is rarely discussed or achieved. While I define permanent freedom as the point at which your income exceeds your expenses, such a definition is shallow and full of important assumptions. For example, if you know that you require $1,500/month to live a barebones lifestyle, and you can safely withdraw between $1,500-$1,600/month from your investment portfolio, you have technically achieved financial freedom. But have you?

Español: iniciar un negocio de marketing de afiliados, Italiano: Iniziare un Business di Affiliato Marketing, Русский: зарабатывать на партнерском маркетинге, Deutsch: Ein Affiliate Marketing Geschäft beginnen, Français: se lancer dans le markéting d'affiliation, Bahasa Indonesia: Memulai Bisnis Pemasaran Afiliasi, Nederlands: Een affiliate marketing bedrijf beginnen, العربية: إنشاء شركة تسويق بالعمولة

In Step 3 I said that living beneath your means is the single most important step on this list, and that's true. But you can give yourself a major assist in that effort by making sure you steadily increase your income in the future. If you can steadily increase your income – while keeping your spending level – you will reach all of your financial goals much more quickly.


Spam is the biggest threat to organic search engines, whose goal is to provide quality search results for keywords or phrases entered by their users. Google's PageRank algorithm update ("BigDaddy") in February 2006—the final stage of Google's major update ("Jagger") that began in mid-summer 2005—specifically targeted spamdexing with great success. This update thus enabled Google to remove a large amount of mostly computer-generated duplicate content from its index.[33]
A browser extension is a plug-in that extends the functionality of a web browser. Some extensions are authored using web technologies such as HTML, JavaScript, and CSS. Most modern web browsers have a whole slew of third-party extensions available for download. In recent years, there has been a constant rise in the number of malicious browser extensions flooding the web. Malicious browser extensions will often appear to be legitimate as they seem to originate from vendor websites and come with glowing customer reviews.[32] In the case of affiliate marketing, these malicious extensions are often used to redirect a user’s browser to send fake clicks to websites that are supposedly part of legitimate affiliate marketing programs. Typically, users are completely unaware this is happening other than their browser performance slowing down. Websites end up paying for fake traffic number, and users are unwitting participants in these ad schemes.
Affiliate marketing is also called "performance marketing", in reference to how sales employees are typically being compensated. Such employees are typically paid a commission for each sale they close, and sometimes are paid performance incentives for exceeding objectives.[25] Affiliates are not employed by the advertiser whose products or services they promote, but the compensation models applied to affiliate marketing are very similar to the ones used for people in the advertisers' internal sales department.

Based on a conservative 2.5% – 5% annual return, a household would need investments of between $1,200,000 – $2,400,000 to be considered financially independent. Once you’ve got at least $1,200,000 in investable assets and no longer want to work again, I don’t recommend shooting for an overall return much greater than 5%. You can carve out 10% of your investable assets to go swing for the fences if you wish, but not more. There is no need since you have already won the game.


The products and services you will be promoting to your audience must be relevant and good quality. Make sure you believe in them and know everything about them, because this will be crucial to you delivering the sales pitch to your audience. You need to build trust with your audience so make sure the products and services you choose to promote are trustworthy enough. 
"Grant Sabatier is a bold, new voice for this country's next generation -- a generation that chafes at mounting debt, rejects traditional modes of work, and longs for financial freedom. In this comprehensive money manual, Sabatier blends deep wisdom with proven action steps. He shows how to mold your mindset so that you can make the most of your dollars and your hours. Best of all, he provides a blueprint so that you can build the rich life you've always wished for."

As for Sam’s levels, this is the reason I started to pursue more sources of passive income. I wanted to at least partially break the chain of being tied totally to a market return. I am nowhere near Sam’s league in terms of assets or passive income but it now represents a decent amount of our total income. I worry less about market returns and more about the viability of the income stream persisting. I use 3 fintech platforms for real estate which represents about 12% of my overall portfolio, a closed end fund designed for income, a high quality MLP and at this time a boatload of cash since I think bonds represent a bad value.

Can you retire with 2 million dollars


There’s a ton of organic traffic you can get from search engines if you do SEO properly. The days when Search Engine Optimization was about cheating Google are gone. Today, it is about making your website better for visitors. People naturally look for information online. That’s why you should learn the basics of on-page SEO, keyword research and link building to be the information source they find first. Who wouldn’t want to rank #1 for terms such as “best product” or “product review” in Google? 
×