Hi everyone, thank you for visiting my blog page. Feel free to binge or browse my work.

9 Transformations On The Road To Financial Independence

While taking our personal finance onto another level, a few small changes led to larger transformations that both simplified and elevated our lives. Transformation #1: The Personal Finance Ninja I’d like to credit this term to Stephanie, from poorerthanyou.com. Becoming a personal finance ninja is exactly how I would describe our transformation. We became more…

A Letter To My Younger Self

By the end of the year, I’ll be 31 years old. My 20’s are long gone and there is nothing I can do to rewind the clock, but if I were to ever go back in time, I’d be prepared with this handy letter to give to my 20-year-old self. Where I was in my…

Why I Don’t Want To Buy A New Car

My car’s hood is peeling, the driver’s side mirror is screwed in and taped on, I can only open the trunk from a latch inside the car, and I just broke my interior door handle. Last weekend, I had lunch with my best friends. They asked when I was planning to get rid of my…

How To Reinvest Credit Card Rewards

Credit cards are an incredibly powerful piece of plastic that nearly everyone has in their back pocket. Purchasing power & convenience: They allow you to purchase things without needing to carry around cash, especially for big-ticket items. Builds credit history: The more responsible you are with your revolving debt, the better your credit history and…

5 Ways To Invest In Yourself

When I talk to my co-workers, friends, and family about investing, we usually talk about where we can place our money to maximize growth that aligns with our financial goals and risk tolerance. But today, let’s talk about investing in the most important asset you own, YOURSELF! 1. Take time off work One of the…

June 2019 Update: 26% to Financial Independence

I started this series to reflect on our goals and share some things I learned each month. For now, I’ll primarily be tracking our progress to financial independence. I hope you get some value from this and if you haven’t already, join the Flexcents community as it continues to grow! Our Progress to Financial Independence…

How to Calculate Your Effective Savings Rate

The majority of people aren’t born as mathematicians. Luckily, it doesn’t take a genius to understand how important it is to save your money and calculating your savings rate can be just as easy. Why should you know your savings rate? If you’re reading this article, you already know the answer to this question, but…

The Best $47,000 Investment I Ever Made

If you couldn’t tell by now, I’m pretty conscious when it comes to money and consumerism. Being careful with my spending allows me to build a cash cushion. With it, I am free from worrying about bills and small discretionary expenses during the month. My habit of saving also allows me to make an investment…

March 2019 Update: 24% to FI, Recurring Costs Cut By $27

I started this series to reflect on our goals, summarize blog developments and share some things I learned this month. I hope you get some value and enjoy following our journey. If you haven’t already, join the Flexcents community as it continues to grow! Financial Goals We discovered the financial independence retire early (FIRE) movement…

3 Important Doctors To Visit Regularly

For places like the U. S. where healthcare is super expensive, it is understandable for people to opt-out of seeking preventative healthcare services when there isn’t any apparent problem. Even with healthcare insurance coverage, the inconvenience and break in routine may be enough for some people to skip visiting the doctors. But there who are…

February 2019 Reflection: Our Most Expensive Vacation & Goal Updates

I started this series to reflect on our goals, summarize blog developments and share some things I learned. I hope you get some value and enjoy following our journey. If you haven’t already, join the Flexcents community as it continues to grow! We recently returned from our Southeast Asia trip. It was a two-week adventure-packed…

January 2019 Reflection: 72% Savings Rate, IRS limits, & Starting Strong

Welcome to my monthly reflections. For those of you who are here for the first time, I started this series to reflect on our goals and share some things I learned. I hope you get some value and enjoy following our journey. If you haven’t already, join the Flexcents community as it continues to grow!…

12 Books To Better Your Life

One of the most powerful things you can do to better your life is to consume (and apply) knowledge from years of data and experience gathered from others. We all know time is your most precious resource, and you can save a lot of it when learning from other’s mistakes and life lessons. This is…

December 2018 Reflections: A Year In Review

Instead of reflecting on this past month alone, I want to change it up and briefly reflect upon this past year as a whole. 2018 – Our Year of Growth It all started with discovering the concept of financial independence and learning that we could achieve wealth that we never thought was possible, but only…

Guest Post | Seeking Fulfillment While Unemployed

Hi everyone, Welcome to my first guest post. I have the pleasure of introducing Rob, from gettingcanned.com where he writes about work-life and his experience being unemployed for a couple of years. Rob will be writing about finding fulfillment while being unemployed. Here we go! First of all, thanks to Mr. Flexcents for giving me the…

November 2018 Reflection: Minimalism & Trip to Chicago

Hi Everyone, The purpose of these reflections is to give me the opportunity to share more of myself with you. It will allow us to learn more from each other and grow together. I take my daily journal entries and reflect upon common themes in my life, both good and bad. These reflections will be…

October 2018 Reflections

Mrs. Flexcents is quite an artist. She carved the pumpkins and made the ghost. She and her co-workers helped to get this great set up. How appropriate, I think this is how most people feel about student loans. Hi Everyone, This is a new series I started last month that gives me the opportunity to…

Finding Your Optimal Student Loan Repayment Plan

It is easy to get lost when it comes to choosing a repayment plan for your student loans. New graduates may not even know where their loans are held. If you are one of these, feel free to check out this guide. Otherwise, let’s move on to determining the best plan to pay off your…

September 2018 Reflection

Hi everyone, I will be starting a new series that will give me the opportunity to share more of myself with you. This will allow us to learn more from each other and grow together. I have been writing in my journal more frequently to better appreciate all the developments in my life, either good…

My Debt Free Journey

I graduated with a massive $107,500 in student loan debt. I was initially planning to pursue the Public Service Loan Forgiveness (PSLF) program. However, my plan backfired and I decided to aggressively pay off my loans as soon as possible. Within 2 years into the start of my repayment, the total amount paid back was…

Thera – Fish Out of Water

I wrote this for my younger sister who is entering the field of speech therapy. However, this applies to anyone working in healthcare. Enjoy! You’re Not Alone Treating your first patient as a healthcare professional could feel a bit intimidating. You might feel like a fish out of water since you no longer have your…

Student Loan Forgiveness – Why I Opted Out

The Public Service Loan Forgiveness (PSLF) Program is the only program that offers forgiveness on all qualified loans tax-free after a 120 qualified monthly payments. Only Direct loans in good standing are eligible for forgiveness. Federal Family Education Loan (FEEL), private loans and defaulted loans are excluded. Qualified payments do not need to be consecutive.…

The Pre-FI (Financial Independence) Fog

Our careers are very rewarding, but it came at a price. Literally, the years of dedicated study cost us a total of $151,000 in student debt between the two of us. My wife finished her Master’s Degree two years before I finished my Doctorate. By the time I graduated, she had completely paid off her…

MARVEL at Lifestyle Inflation: Dr. Strange

Myself and Mrs. Flexcents go to the theaters once or twice a year. Recently, we watched The Avengers: Infinity War on opening weekend. Days later, we found ourselves watching Doctor Strange. I know, It was released in 2016, so we’re late to the game. If you still don’t want any spoilers, go watch it! Then…

Lifestyle Inflation: Save Yourself From The Rat Race

Lifestyle Inflation, also known as lifestyle creep, occurs when individuals increase their standard of living as their discretionary income rises. It becomes a problem when people prioritize luxuries instead of paying off debt, building an emergency fund, or saving for retirement. Ultimately, it prevents them from building wealth and makes their lifestyle increasingly expensive to…

College May Cost Over $100,000 in 20 years!

According to the data from collegeboard.org, four-year public universities raised their tuition & fees by an average of 5.26% per year during the last 10 years (2007 – 2017). This number increases to 6% when you capture the last 20 years and 7% since the 1970s.  What Does This Mean In Dollars?  Vanguard’s College Cost Projector will…

12 Tips To Pay off Student Loans Quickly

College is becoming increasingly expensive and is leaving students financially crippled upon graduation. Graduates are figuring out how to pay off student loans and are postponing plans to start a family, purchasing a home, starting a business, or saving for retirement. According to debt.org, the average student loan debt in 2018 was $38,390. The sad…

October 2018 Reflections

Mrs. Flexcents is quite an artist. She carved the pumpkins and made the ghost. She and her co-workers helped to get this great set up. […]
Read More

September 2018 Reflection

Hi everyone, I will be starting a new series that will give me the opportunity to share more of myself with you. This will allow […]
Read More

Thera – Fish Out of Water

I wrote this for my younger sister who is entering the field of speech therapy. However, this applies to anyone working in healthcare. Enjoy! You’re […]
Read More

My Debt Free Journey

I graduated with a massive $107,500 in student loan debt. I was initially planning to pursue the Public Service Loan Forgiveness (PSLF) program. However, my […]
Read More
Investing In Yourself

5 Ways To Invest In Yourself

When I talk to my co-workers, friends, and family about investing, we usually talk about where we can place our money to maximize growth that […]
Read More

12 Books To Better Your Life

One of the most powerful things you can do to better your life is to consume (and apply) knowledge from years of data and experience […]
Read More
Investing In Yourself

5 Ways To Invest In Yourself

When I talk to my co-workers, friends, and family about investing, we usually talk about where we can place our money to maximize growth that […]
Read More

12 Books To Better Your Life

One of the most powerful things you can do to better your life is to consume (and apply) knowledge from years of data and experience […]
Read More

October 2018 Reflections

Mrs. Flexcents is quite an artist. She carved the pumpkins and made the ghost. She and her co-workers helped to get this great set up. […]
Read More

September 2018 Reflection

Hi everyone, I will be starting a new series that will give me the opportunity to share more of myself with you. This will allow […]
Read More

My Debt Free Journey

I graduated with a massive $107,500 in student loan debt. I was initially planning to pursue the Public Service Loan Forgiveness (PSLF) program. However, my […]
Read More

Thera – Fish Out of Water

I wrote this for my younger sister who is entering the field of speech therapy. However, this applies to anyone working in healthcare. Enjoy! You’re […]
Read More