The first time I was introduced to the idea of financial independence, I was working overnights at CVS. My friend Ken was also working overnights at the time and he sent me a link to Mr. Money Mustache’s “The Shockingly Simple Math Behind Early Retirement” and I immediately scoffed at the idea of such high savings rates. There seemed like no possible way one could save 50-70% of their income every month. 

Around the same time, I had started listening to real estate podcasts and hearing about different ways to achieve financial freedom. Despite having a job I strongly disliked, it seemed like it was just a simple fact of life that you must work until at least your 60s before you get to stop working. 

After finally sitting down and accounting for how much was coming in verses how much was going out, we decided to make a few changes. Actually, the first step was to get Megan onboard.