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    A Personal Finance and Fitness Blog where I produce content on living healthier and wealthier.

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Recent Articles

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…

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 intimidating.…

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…

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.…

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…
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…

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…

Student Loans Phases

Deferment When you were in school your federal loans were in deferment where there is no obligation to pay your student loans or associated interest yet If you received Subsidized loans or Federal Perkins loans, any accrued…

Guide To Paying Off Student Loans Quickly

College is becoming increasingly expensive and is leaving students financially crippled upon graduation. Student loans postpone graduates from starting a family, purchasing a home, starting a business, or saving for retirement. According to…

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