October 2018 Reflections

Mrs. Flexcents is quite an artist. She carved the pumpkins and made the ghost. Her 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…
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Breakdown Of How I Paid Off Over $100,000 In Student Loans Within 2 years

Paying off my 6-figure debt was a huge accomplishment. So much that I immediately downloaded all my payment records and saved them so no one can tell me otherwise. Now that I’m more financially curious, I wanted to find out exactly how…

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…

September 2018 Reflections

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…

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…

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…

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…

Our Journey to Financial Independence

Our careers are very rewarding, but it came at a price. Literally, it cost us years of dedicated study and a total of $152,000 in student loan debt between the two of us.  My wife finished her Masters Degree two years before I finished…

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…
Photo by Yuriy Bogdanov on Unsplash

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 they prioritize luxuries instead of paying off debt, building an emergency…