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Financial Independence

Whether you’re deep into the FIRE movement or playing with FIRE for the first time, we’re here to talk about the ins and outs of financial independence.

No, Really, You Can Retire Someday.

Ready to break free? Good, because we’ve been devising an escape plan. All you need is a flashlight, a homemade file, a spoon to use as a shovel, some rope, and a hand-drawn blueprint of an elaborate tunnel system. Meet us back here at midnight.

Okay, maybe it’s not that exciting. And you don’t have to stay up late.

Whether you’re feeling locked up at work or locked down by debt, a budget paired with a strategic financial plan can lead the way to financial independence—which can pave the way for an adventure of your choosing.

Pave the Path to Financial Independence:

  • Is the FIRE Movement for You?

    The idea of financial independence is oh-so-tempting, and you’re just wondering if you can handle the heat of a FIRE budget. But is it really as hard as it seems? If you’re pursuing financial independence, setting up a FIRE budget is key to measure your savings rate, monitor your progress, and plan for the future. …
  • How to Become Independently Wealthy

    Somewhere in between watching Disney’s Scrooge McDuck swimming in his money bin, when I was a kid, and getting my first bank overdraft fee as an adult, I developed a really skewed perception of wealth. There were me and my friends: the poor people. And then there were people who owned yachts and wore fancy cravats …
  • Maximize Your Wealth In 4 Hours Per Year

    One of the best parts of my job is hearing from customers. People who were once stressed about money, and uncertain about the future, after really learning how to budget and focus on their true priorities, find that they aren’t. They’re in total control, going after audacious goals they’d never have thought possible. They feel …
  • Watch: This Couple Paid Off $266K of Debt in 33 Months

    Who: Lauren and Kyle Mochizuki Where: San Juan Capistrano, California Total Debt: $266,000 Type of Debt: Credit card: $2,000 Car loans: $34,000 Mortgage: $230,000 Time to payoff: 2.75 years How they did it: Picked up work shifts Got a second job Made a chart with all their debt and celebrated every win Budgeted in YNAB …
  • 5 Tips for High-Income Earners Using YNAB

    I’m a software engineer in Silicon Valley, and I’ve been using YNAB for two years. Since starting YNAB, I’ve managed to cut 20% off my monthly spending overhead and track my FIRE progress. I’ve found that no matter how much you earn, a budget is still useful. Those with large incomes might find their salaries …

Start Tracking Your FIRE Progress

Use YNAB as a wealth-building tool to check your savings rate, keep spending in check, and plan for your financially independent future.