This One Tip Will Get You Out of Debt and to FI Faster Than Any Other


By spending less, you’re “eating better.” You’re not wasting your money on dumb purchases that you really don’t need, just as you aren’t filling your face hole with Ding Dongs and lard.


I have done a LOT of research over the past 10 months. I have read books and blogs, listened to podcasts, attended seminars, watched YouTube videos, and met with one incredibly trustworthy and knowledgeable financial planner.

Here are just a few of the books I’ve read:

  • Rich Dad, Poor Dad
  • Start Late, Finish Rich
  • The Automatic Millionaire
  • The Millionaire Next Door
  • The Simple Path to Wealth
  • I Will Teach You To Be Rich
  • The Latte Factor
  • The Total Money Makeover

Podcasts I have (or continue to) listen to:

  • Bigger Pockets
  • Choose FI
  • Motley Fool
  • The Money Guy Show
  • Mr. Money Moustache

You get the idea.

I have spent the better part of a year listening, absorbing, planning, and evaluating how to get out of debt, and how to get on the road to financial independence once and for all. It’s why I’ll pay off over $50,000 worth of debt this year alone, and it’s why I have a plan to be totally free of credit card debt by the end of 2020.

In the process of doing this, I think I’ve hit on something big that I want to share with all of you. Once I understood it, it changed my life totally, and given me the understanding of the mindset I need to really achieve my goals.

The one thing you need to do to pay off debt and achieve financial independence is…

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The App that Taught Me to Meditate

Welcome to another “Tuesday Tip Jar” where I will share awesome savings and financial tips as I find them. I might not have something for you every Tuesday, but when I do, you’ll find it here!

If you’ve got a financial tip you think others would benefit from, please send it to me via my contact page at the top of the blog!

Starting Credit Card Debt (01.01.19): $126,310.77
Current Credit Card Debt: $109,570.87
Total Paid Off: $16,739.90
Income Going to Savings: 2%

I don’t know about you guys, but being in debt stresses me out! For the longest time I wasn’t good at dealing with stress, but now I’ve found that if I tackle it on four distinct fronts, I can stay ahead of it for the most part. My 4 fronts of attack are:

  1. Getting the right amount of sleep.
  2. Exercising at least 5 days a week.
  3. Eating healthy foods.
  4. Meditating.

Today I’d like to focus on items #4 in that list and specifically on the app that taught me how to meditate.

When I started meditating a little over a year ago, it wasn’t to find spiritual awakening or to transcend to a different plane of spiritual existence. To be totally honest, I was skeptical to say the least. One day I was on Instagram, and I saw this nice little post someone had shared about taking the time to calm your mind. It was tied to an app, and for some reason it piqued my interest…Read More »