{"componentChunkName":"component---src-templates-post-tsx","path":"/defensive-side-of-financial-independence/","result":{"data":{"ghostPost":{"id":"Ghost__Post__6a6239b68478e50001eb0e82","title":"The Defensive Side of Financial Independence: Protecting What You’ve Built","slug":"defensive-side-of-financial-independence","featured":false,"feature_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2026/07/AdobeStock_657137967.jpeg","excerpt":"Learn how to protect financial independence with cash buffers, insurance, income protection, home risk planning, and lifestyle control.","custom_excerpt":"Learn how to protect financial independence with cash buffers, insurance, income protection, home risk planning, and lifestyle control.","created_at_pretty":"23 July, 2026","published_at_pretty":"23 July, 2026","updated_at_pretty":"23 July, 2026","created_at":"2026-07-23T15:56:38.000+00:00","published_at":"2026-07-23T16:07:13.000+00:00","updated_at":"2026-07-23T16:07:13.000+00:00","meta_title":"The Defensive Side of Financial Independence","meta_description":"Learn how to protect financial independence with cash buffers, insurance, income protection, home risk planning, and lifestyle control.","og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Alexandra Harper","slug":"alexandra","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/AdobeStock_186401109.jpeg","twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Alexandra Harper","slug":"alexandra","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/AdobeStock_186401109.jpeg","twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[],"plaintext":"Disclaimer: This article is for general informational purposes only and does not\nconstitute financial, insurance, legal, tax, or investment advice.\n\nFinancial independence tends to focus on growth. Earn more. Save more. Invest\nbetter. Spend less. Those moves matter because they create momentum.\n\nBut once you have something worth protecting, the job changes. A strong\nportfolio can still take a hit from a forced sale, a lawsuit, an uninsured loss,\na major home repair, or a run of expenses that never made it into the\nspreadsheet.\n\nThe defensive side of financial independence is about keeping your choices\nintact. It means asking what could disrupt the life your money is supposed to\nsupport. Growth helps you move closer to freedom. Protection helps you stay\nthere.\n\nKeep Enough Cash to Avoid Selling at the Wrong Time\nPutting money to work is a big part of financial independence, but every dollar\ncan’t be locked up in investments, home equity, or retirement accounts. Cash\ngives you room to breathe when life gets inconvenient.\n\nA solid cash buffer can cover a job gap, medical bill, urgent repair, family\nemergency, or rough market stretch without forcing you to sell investments at a\nbad time. The timing of a withdrawal can hurt just as much as the expense\nitself.\n\nEven a well-built retirement plan can wobble when unexpected expenses threaten\nyour retirement goals\n[https://thinksaveretire.com/unexpected-expenses-and-retirement-goals/],\nespecially if the money has to come from investments during a market slump.\n\nThat does not mean you need piles of cash just sitting there doing nothing. It\nmeans keeping enough on hand so one bad month does not turn into a bad financial\ndecision.\n\nProtect Your Income Before It Disappears\nFinancial independence may make work optional someday, but income still matters\nwhile you are building toward that point. A high savings rate is powerful until\na layoff, illness, injury, or business slowdown cuts into the cash flow behind\nit.\n\nStart by looking at how exposed you are. If one paycheck covers most of the\nhousehold bills, the plan depends heavily on that paycheck continuing to come\nin. If you own a business, work on commission, freelance, or rely on seasonal\nincome, the risk may be less obvious, but it still counts.\n\nYou do not need to insure against every possible problem or build a backup\ncareer overnight. You do need to know what happens if income drops for three\nmonths, six months, or a year. Disability coverage, useful skills, a strong\nnetwork, and flexible spending can all keep a temporary setback from becoming a\nlong-term detour.\n\nGood financial plans do not assume everything will go perfectly. They leave room\nfor life to be messy without letting every inconvenience become a crisis.\n\nLook at Your Home as Both an Asset and a Risk\nFor many people, a home is one of the biggest pieces of a financial independence\nplan. It can build equity, lower housing costs later in life, and offer a kind\nof stability that a brokerage account cannot.\n\nAt the same time, a home puts a lot of wealth in one physical place. Your\ninvestments may be spread across companies, industries, and markets. Your house\nsits in one neighborhood, under one roof, exposed to the risks that come with\nthat exact location.\n\nThat is why property risk deserves a closer look. Insurance premiums,\ndeductibles, roof age, flood exposure, wildfire risk, hail history, and storm\npatterns can all shape the real cost of owning a home. Insurers may weigh claims\nhistory, property details, local hazard exposure, and insurance risk weather\ndata\n[https://www.visualcrossing.com/weather-data-for-insurance-risk-management/] \nwhen estimating how storms, flooding, wind, hail, or wildfire could affect a\nproperty.\n\nNone of this means homeownership is a bad choice. It means your home deserves\nthe same level of attention you give your investment accounts. Wealth is not\njust what grows on paper. It is what stays protected when life gets expensive.\n\nPlan for Risks That Averages Can Hide\nAverage expenses can help you build a baseline, but they can also make a plan\nlook more precise than it really is. The average homeowner, average insurance\npremium, or average repair bill may have little to do with the risks tied to\nyour specific home, city, or region.\n\nThat matters because financial independence has to work outside of normal years.\nSevere weather, local flooding, wildfire exposure, power outages, and regional\nrepair costs can all create expenses that do not show up in a simple monthly\nbudget.\n\nLocal risk can vary sharply even within the same state, and homeowners in\nhigher-risk areas are already feeling the pressure of rising insurance premiums\n[https://www.brookings.edu/articles/how-is-climate-change-impacting-home-insurance-markets/] \nin ways average budget estimates can miss.\n\nYou do not need to plan as if disaster is always around the corner. You just\nneed to know which risks are realistic enough to deserve space in the budget. A\ndefensive financial plan is not built on fear. It is built on fewer surprises.\n\nKeep Lifestyle Creep From Becoming a Permanent Liability\nLifestyle creep rarely feels reckless in the moment. It usually shows up as a\nnicer car, a bigger home, more frequent trips, upgraded subscriptions, or small\nconveniences that slowly become normal.\n\nThat is what makes it hard to reverse. A one-time splurge can be absorbed. A\npermanent bump in fixed expenses changes the math every month. The closer you\nget to financial independence, the more those recurring costs matter because\nthey raise the amount your portfolio needs to support.\n\nThis does not mean every upgrade is a mistake. Part of building wealth is\ncreating a life you enjoy. The risk is letting temporary wants turn into\npermanent obligations without asking whether they still fit the plan.\n\nA defensive financial independence plan leaves room for fun, comfort, and\nconvenience. It just keeps recurring expenses honest. The goal is not to live as\ncheaply as possible. It is to make sure your lifestyle still belongs to you.\n\nReview Your Insurance Before Life Changes Force the Issue\nInsurance is easy to ignore when everything feels stable. Policies renew,\npremiums come out of the account, and the details sit in a folder until\nsomething goes wrong.\n\nThat is not a great way to protect a financial independence plan. Coverage\nshould change as your life changes. A higher net worth, a paid-off home, a new\nbusiness, a rental property, a teenage driver, a major renovation, or an early\nretirement date can all create gaps that were not there a few years ago.\n\nA simple annual review can catch problems while they are still fixable. Look at\ndeductibles, liability limits, exclusions, replacement cost coverage, disability\nprotection, umbrella coverage, and whether your policies still match the assets\nyou are trying to protect.\n\nThe goal is not to buy every policy available. It is to make sure one unexpected\nevent does not erase years of disciplined saving and investing.\n\nMake Protection Part of the Plan, Not a Panic Move\nThe defensive side of financial independence works best when it is built early,\nreviewed regularly, and treated as part of the plan instead of a reaction to bad\nnews.\n\nThat means keeping enough cash to stay flexible, protecting your income while\nyou still depend on it, understanding the risks tied to your home, and making\nsure insurance coverage keeps up with your life. None of those moves are as\nexciting as hitting a new net worth milestone, but they help keep that milestone\nfrom slipping away.\n\nFinancial independence is not only about reaching a number. It is about\nprotecting the freedom that number is meant to create. Growth helps you build\nthe life you want. Defense helps you keep it.","html":"

Disclaimer: This article is for general informational purposes only and does not constitute financial, insurance, legal, tax, or investment advice.

Financial independence tends to focus on growth. Earn more. Save more. Invest better. Spend less. Those moves matter because they create momentum.

But once you have something worth protecting, the job changes. A strong portfolio can still take a hit from a forced sale, a lawsuit, an uninsured loss, a major home repair, or a run of expenses that never made it into the spreadsheet.

The defensive side of financial independence is about keeping your choices intact. It means asking what could disrupt the life your money is supposed to support. Growth helps you move closer to freedom. Protection helps you stay there.

Keep Enough Cash to Avoid Selling at the Wrong Time

Putting money to work is a big part of financial independence, but every dollar can’t be locked up in investments, home equity, or retirement accounts. Cash gives you room to breathe when life gets inconvenient.

A solid cash buffer can cover a job gap, medical bill, urgent repair, family emergency, or rough market stretch without forcing you to sell investments at a bad time. The timing of a withdrawal can hurt just as much as the expense itself.

Even a well-built retirement plan can wobble when unexpected expenses threaten your retirement goals, especially if the money has to come from investments during a market slump.

That does not mean you need piles of cash just sitting there doing nothing. It means keeping enough on hand so one bad month does not turn into a bad financial decision.

Protect Your Income Before It Disappears

Financial independence may make work optional someday, but income still matters while you are building toward that point. A high savings rate is powerful until a layoff, illness, injury, or business slowdown cuts into the cash flow behind it.

Start by looking at how exposed you are. If one paycheck covers most of the household bills, the plan depends heavily on that paycheck continuing to come in. If you own a business, work on commission, freelance, or rely on seasonal income, the risk may be less obvious, but it still counts.

You do not need to insure against every possible problem or build a backup career overnight. You do need to know what happens if income drops for three months, six months, or a year. Disability coverage, useful skills, a strong network, and flexible spending can all keep a temporary setback from becoming a long-term detour.

Good financial plans do not assume everything will go perfectly. They leave room for life to be messy without letting every inconvenience become a crisis.

Look at Your Home as Both an Asset and a Risk

For many people, a home is one of the biggest pieces of a financial independence plan. It can build equity, lower housing costs later in life, and offer a kind of stability that a brokerage account cannot.

At the same time, a home puts a lot of wealth in one physical place. Your investments may be spread across companies, industries, and markets. Your house sits in one neighborhood, under one roof, exposed to the risks that come with that exact location.

That is why property risk deserves a closer look. Insurance premiums, deductibles, roof age, flood exposure, wildfire risk, hail history, and storm patterns can all shape the real cost of owning a home. Insurers may weigh claims history, property details, local hazard exposure, and insurance risk weather data when estimating how storms, flooding, wind, hail, or wildfire could affect a property.

None of this means homeownership is a bad choice. It means your home deserves the same level of attention you give your investment accounts. Wealth is not just what grows on paper. It is what stays protected when life gets expensive.

Plan for Risks That Averages Can Hide

Average expenses can help you build a baseline, but they can also make a plan look more precise than it really is. The average homeowner, average insurance premium, or average repair bill may have little to do with the risks tied to your specific home, city, or region.

That matters because financial independence has to work outside of normal years. Severe weather, local flooding, wildfire exposure, power outages, and regional repair costs can all create expenses that do not show up in a simple monthly budget.

Local risk can vary sharply even within the same state, and homeowners in higher-risk areas are already feeling the pressure of rising insurance premiums in ways average budget estimates can miss.

You do not need to plan as if disaster is always around the corner. You just need to know which risks are realistic enough to deserve space in the budget. A defensive financial plan is not built on fear. It is built on fewer surprises.

Keep Lifestyle Creep From Becoming a Permanent Liability

Lifestyle creep rarely feels reckless in the moment. It usually shows up as a nicer car, a bigger home, more frequent trips, upgraded subscriptions, or small conveniences that slowly become normal.

That is what makes it hard to reverse. A one-time splurge can be absorbed. A permanent bump in fixed expenses changes the math every month. The closer you get to financial independence, the more those recurring costs matter because they raise the amount your portfolio needs to support.

This does not mean every upgrade is a mistake. Part of building wealth is creating a life you enjoy. The risk is letting temporary wants turn into permanent obligations without asking whether they still fit the plan.

A defensive financial independence plan leaves room for fun, comfort, and convenience. It just keeps recurring expenses honest. The goal is not to live as cheaply as possible. It is to make sure your lifestyle still belongs to you.

Review Your Insurance Before Life Changes Force the Issue

Insurance is easy to ignore when everything feels stable. Policies renew, premiums come out of the account, and the details sit in a folder until something goes wrong.

That is not a great way to protect a financial independence plan. Coverage should change as your life changes. A higher net worth, a paid-off home, a new business, a rental property, a teenage driver, a major renovation, or an early retirement date can all create gaps that were not there a few years ago.

A simple annual review can catch problems while they are still fixable. Look at deductibles, liability limits, exclusions, replacement cost coverage, disability protection, umbrella coverage, and whether your policies still match the assets you are trying to protect.

The goal is not to buy every policy available. It is to make sure one unexpected event does not erase years of disciplined saving and investing.

Make Protection Part of the Plan, Not a Panic Move

The defensive side of financial independence works best when it is built early, reviewed regularly, and treated as part of the plan instead of a reaction to bad news.

That means keeping enough cash to stay flexible, protecting your income while you still depend on it, understanding the risks tied to your home, and making sure insurance coverage keeps up with your life. None of those moves are as exciting as hitting a new net worth milestone, but they help keep that milestone from slipping away.

Financial independence is not only about reaching a number. It is about protecting the freedom that number is meant to create. Growth helps you build the life you want. Defense helps you keep it.

","url":"https://admin.thinksaveretire.com/defensive-side-of-financial-independence/","uuid":"df4e6c96-80f0-4d01-aa11-39fc81f97023","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"6a6239b68478e50001eb0e82"},"allGhostAuthor":{"edges":[{"node":{"name":"Vanessa Zimin","slug":"vanessa","bio":"Vanessa Zimin writes about practical ways to earn more, build credit, and grow income outside a 9-to-5. She specializes in side hustles backed by real platform data.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/Headshot-Photo.jpg","postCount":86}},{"node":{"name":"Tim Yelchaninov","slug":"tim","bio":"CEO at True Finance, Husband, and Father to three beautiful daughters. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2023/01/avatar.png","postCount":20}},{"node":{"name":"Dmitriy Kovalenko","slug":"dmitriy","bio":null,"profile_image":null,"postCount":0}},{"node":{"name":"Robot","slug":"robot","bio":"This is a robot we use for building the front-end of the site.","profile_image":null,"postCount":0}},{"node":{"name":"Emma Bowder","slug":"emma","bio":null,"profile_image":"//www.gravatar.com/avatar/f5c1eb191f879454afa7f8c56948825c?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Arianna Izotov","slug":"arianna","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/10/DSC02362-2.jpg","postCount":1}},{"node":{"name":"Yanis Bondar","slug":"yanis","bio":null,"profile_image":null,"postCount":0}},{"node":{"name":"James Fletcher","slug":"james","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/AdobeStock_213793387.jpeg","postCount":139}},{"node":{"name":"Alexandra Harper","slug":"alexandra","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/AdobeStock_186401109.jpeg","postCount":138}},{"node":{"name":"Nick Andr","slug":"nick","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2024/06/T0KN0UVN2-U045GTNAS4A-dd8b59a58b60-512.png","postCount":88}},{"node":{"name":"Grace Lemire","slug":"gracelemire","bio":"Personal Finance Content Writer, Marketer, & Content Creator 💸","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2023/03/Screen-Shot-2023-03-28-at-4.47.38-PM.png","postCount":74}},{"node":{"name":"Sean G.","slug":"sean","bio":"Sean is a writer and entrepreneur that has a passion for all things personal finance. When he's not writing about finance, you can find him at the nearest steakhouse.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2019/11/Screenshot_20191119-132003_Instagram-1.png","postCount":23}},{"node":{"name":"Alice Stevens","slug":"alice","bio":"Alice Stevens is an accomplished writer in the finance and insurance space. She's known for her thoughtful research and close attention to detail.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2022/05/Dec2016_StevensFamily_27-2-2.jpg","postCount":2}},{"node":{"name":"Jared Hargrove","slug":"jared","bio":"Jared is a personal finance nerd that believes in a world where the pursuit of financial independence and avocado toast can live together peacefully.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2022/02/Jared-Hargrove.png","postCount":11}},{"node":{"name":"Jesse Cramer","slug":"jesse","bio":"Jesse is the founder of The Best Interest, a financial literacy company based in Rochester, NY, where he lives with his fiancée and their foster dogs. ","profile_image":"//www.gravatar.com/avatar/e2beeec0ad132e24abcc05f69a1eb587?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Fiona Smith","slug":"fiona","bio":"Fiona Smith is the Founder of The Millenial Money Woman and holds a Master of Science degree in Personal Financial Planning. She is passionate about teaching others to take control of their money. ","profile_image":"//www.gravatar.com/avatar/7cf4a5f3c5e0afc20c07967ca8c7397b?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Kalicia Bateman","slug":"kalicia","bio":"Kalicia Bateman is a personal finance editor specializing in mortgages. She is passionate about simplifying finance and strives to combine complex information with authenticity & humor when possible.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/09/cropped-2-1.jpg","postCount":1}},{"node":{"name":"Jessica Larson","slug":"jessica-larson","bio":"Jessica is a serial entrepreneur who wants to support her family while still spending time with them, to serve as a role model for her daughters, and to share what she’s learned with others.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/08/JL.jpeg","postCount":2}},{"node":{"name":"Angelica Leicht","slug":"angelica-leicht","bio":"Angelica is a personal finance writer and editor. Her work has appeared in The Motley Fool, The Simple Dollar, Interest, Bankrate, The Spruce, Houston Press, and VeryWell.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/07/a-leicht-headshot.jpg","postCount":1}},{"node":{"name":"Arthur Goldgaber","slug":"arthur-goldgaber","bio":"I cover personal finance, industry research and corporate communications. You can find my work in Investor's Business Daily, Financial World and the Los Angeles Business Journal.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/05/Arthur.jpg","postCount":1}},{"node":{"name":"Eric Ferguson","slug":"eric","bio":"Eric runs Mindful Trader, a service that publishes stock picks and teaches the strategies behind them. He spent years doing stock market research to identify historical quantitative trading edges.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/05/eric-face-and-neck.jpg","postCount":1}},{"node":{"name":"Eric Brotman","slug":"eric-brotman","bio":"Eric D. Brotman, CFP®, AEP®, CPWA® is Chief Executive Officer of BFG Financial Advisors, an independent firm assisting clients with wealth creation, preservation, and distribution.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/02/download.jpg","postCount":1}},{"node":{"name":"Sarah Thibeau","slug":"sarah","bio":"Sarah is an avid reader, a beer nerd, and a social media guru. Sarah loves all things millennial money. She's working on nailing this \"adulting\" thing, and she's happy to have you along for the ride! ","profile_image":"https://thinksaveretire.com/wp-content/uploads/2019/11/author-1.jpg","postCount":36}},{"node":{"name":"Dakota Butler","slug":"dakota","bio":"Hi! I'm Dakota. I'm a social media & digital marketing intern by day. By night, I coach humans online in strength training. I love all things fitness, content creating, and corgis.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/01/Dakota_image.JPG","postCount":6}},{"node":{"name":"Melissa Goff","slug":"melissa","bio":"Melissa loves content, comedy, and all things West Coast. She is grateful to wake up every day with the chance to bring stories from unlikely sources to life and enable others to design and live the ","profile_image":"https://thinksaveretire.com/wp-content/uploads/2019/10/MelissaHollisGoff.jpg","postCount":25}},{"node":{"name":"Tristan Luciotti","slug":"tristan","bio":"Tristan is a foster dad, writer, indie filmmaker, video game creator, and digital marketing wizard. He loves hiking the Oregon coast and is ready to share his financial - and life - survival tips. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/07/TL-Headshot-1.jpg","postCount":5}},{"node":{"name":"Kiah Treece","slug":"kiah-treece","bio":"Kiah is a lawyer and sustainability expert with a passion for personal finance, real estate investing, and everything FIRE. She lives in NC where she loves to garden, paint, and cook without a recipe.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/10/Kiah-Treece-Headshot-2020.jpg","postCount":3}},{"node":{"name":"Emily Morgan","slug":"emily-morgan","bio":"Emily Morgan is passionate in helping people understand the basics of financial issues. Her goal is to highlight the pros and drawbacks, thus making it easier for the readers to make smart steps.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/04/emily-morgan.jpg","postCount":1}},{"node":{"name":"Valentine Wilson","slug":"valentine","bio":null,"profile_image":"//www.gravatar.com/avatar/5d817dce37691fdcc851bc61d5aba11d?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Kathryn Casna","slug":"kathryncasna","bio":"Kathryn Casna is a licensed insurance agent, life insurance specialist, and Medicare expert who writes for TermLife2Go.com.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/06/headshot_kathryn_casna.jpg","postCount":1}},{"node":{"name":"Kristian Borghesan","slug":"kristian-borghesan","bio":"Kristian is the Director of Marketing at Savology, a financial planning platform helping American households improve their financial well-being by providing access to free financial planning.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/06/Kristian-Borghesan---Headshot.png","postCount":1}},{"node":{"name":"Tina S. Rhodes","slug":"tina","bio":"Tina is a personal finance writer who is passionate about ensuring that financial literacy is accessible to anyone who is interested! In her free time, she enjoys hiking, tacos, and cats.\n","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2021/10/Tina-Rhodes-personal-finance-writer.jpg","postCount":26}},{"node":{"name":"Dock David Treece","slug":"dock","bio":"Dock is a former financial advisor and an experienced real estate investor who loves helping people find ways to build and conserve wealth. He has been featured by CNBC, Fox Business, and Bloomberg.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/03/dock.jpeg","postCount":27}},{"node":{"name":"Kathrine Kofoed","slug":"kathrine","bio":null,"profile_image":"//www.gravatar.com/avatar/7b994489585ee370c5d2c00991ec2776?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Arkadiy","slug":"arkadiy","bio":"Arkadiy is a master of high-level personal finance. He's founded his own companies, and he knows the ins and outs of being successful in business and in life. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2019/11/Screen-Shot-2019-11-19-at-4.38.13-PM.png","postCount":1}},{"node":{"name":"Jawad Khan","slug":"jawad","bio":null,"profile_image":"//www.gravatar.com/avatar/df5cba9c6760136180384cbd87d6bf80?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Marques Coleman","slug":"marques","bio":"Marques Coleman is a blog writer at Essay Assistant and specializes in marketing and copywriting. Moreover, he is an avid traveler and always tries to learn something new.","profile_image":"//www.gravatar.com/avatar/df53fd787439f31c7064c6c78664d97b?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Laura Kim","slug":"laurakim","bio":"Laura is a freelance copy and grant writer. In her mid-40s she swapped her single-with-a-career, living-in-the-city life for a married-with-three-kiddos and self-employed life in Portland, OR.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/04/nine.JPG","postCount":3}},{"node":{"name":"David Freudenberg","slug":"david","bio":"David Freudenberg is a real estate investor in Florida. He writes about real estate investing on his blog, We Buy Houses Florida.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/04/david-freudenberg-profile-picture.jpg","postCount":1}},{"node":{"name":"Lynne","slug":"lynne","bio":"Lynne is a trader in Financial markets from Mitrade. Her expertise covers a wide range of topics, including trading strategies, specific analysis, and general finance topics. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/04/Lynne-from-Mitrade.jpg","postCount":1}},{"node":{"name":"Marc Andre","slug":"marc","bio":null,"profile_image":"https://www.gravatar.com/avatar/85a5f01860472fd1f4aac6b85dab0d70","postCount":46}},{"node":{"name":"Matt Lurie","slug":"matt","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/03/IMG_0373.jpeg","postCount":6}},{"node":{"name":"Leo Gutierrez","slug":"leo","bio":"Old-School video games = love. Professionally, a SEO expert, and in my spare time I contribute content to tech and finance sites","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/03/leo.jpg","postCount":1}},{"node":{"name":"Darina Murashev","slug":"darina","bio":"Darina Murashev is a freelance writer from Chicago based in SLC. She writes about lifestyle, relocation, and finance. She enjoys traveling, live music, and spending time in the great outdoors.","profile_image":"//www.gravatar.com/avatar/0f12f968d3d5f1311d3d1e9cfed0b03d?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Brandyn Morelli","slug":"brandyn_morelli","bio":"Brandyn Morelli is CEO of Tilt Metrics, a B2B growth marketing agency. He is also the co-founder of HelloCecil, a video interviewing platform helping businesses make smarter hires.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/02/Onyx-Agency---portraits-30_preview.jpeg","postCount":1}},{"node":{"name":"Kristin Savage","slug":"kristin-savage","bio":"Kristin Savage nourishes, sparks and empowers using the magic of a word. Now she works as a freelance writer at and GrabMyEssay. Kristin also does editing work at BestEssayEducation.\n","profile_image":"//www.gravatar.com/avatar/4c00584b52b79dd008fc83214aaf8c12?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Steven Millstein","slug":"steven","bio":"Steven Millstein is a recognized credit expert and is the Editor in Cheif of CreditRepairExpert.org which is an online resource dedicated to all things credit. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/02/Steven-Millstein.jpg","postCount":1}},{"node":{"name":"Britt Sharman","slug":"britt","bio":null,"profile_image":"//www.gravatar.com/avatar/11b1cca4171cdece649f3c32a7fb590d?s=250&d=mm&r=x","postCount":1}},{"node":{"name":"Kevin Gardner","slug":"kevin-gardner","bio":"Kevin Gardner an MBA from UCLA. He works as a business consultant for InnovateBTS. He shares his expertise on topics from technology to finance not only with his clients but with his fellow bloggers.\n","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/02/kg.jpeg","postCount":1}},{"node":{"name":"Austin @ Minted Millennial","slug":"mintedmillennial","bio":"Austin is the owner and founder of Minted Millennial, a personal finance blog centralized around empowering and inspiring millennial's to reach their wildest financial dreams. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/01/IMG_1564--2--1.JPG","postCount":1}},{"node":{"name":"Susan and Boris","slug":"susan-and-boris","bio":"Boris & Susan are experienced Airbnb hosts and real estate investors hosting close to 10,000 guests per year around the country and managing their properties remotely while working full-time. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/01/susan-and-Boba-1.png","postCount":1}},{"node":{"name":"Sam Valentine","slug":"sam","bio":"Sam is a devoted RV traveler and a fan of trying new things. She's excited to bring you her honest reviews of all the things she loves to use in her one wild and precious life!","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/01/jurica-koletic-CfUyeAZOWIw-unsplash-1.jpg","postCount":1}},{"node":{"name":"Jacqueline B. Storey","slug":"jacqueline","bio":"A writer untethered. Think Save Retire's resident pen name. ","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2019/12/IMG_7577.jpeg","postCount":3}},{"node":{"name":"Frank Stovall","slug":"frank","bio":"Frank is an avid traveler, rock climber, and adventurer. As the PR manager for Fly Xo, where one can book a flight on private jets in an instant, he is able to travel far and wide.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2019/12/frank-stovall.jpg","postCount":1}},{"node":{"name":"Morgen Henderson","slug":"morgen","bio":"Morgen is a writer from the beautiful mountains of Utah. She loves writing about personal experiences and when she's not at her computer, you can find her hiking near her home and traveling the globe.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2019/12/profilepic.PNG","postCount":1}},{"node":{"name":"Jenny Smith","slug":"jenny","bio":"Originally from the UK, Jenny traveled extensively abroad before settling down in New Zealand. Over the years she's learned all about achieving financial independence while living a nomadic lifestyle.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2020/01/Screen-Shot-2020-01-06-at-2.15.22-PM.png","postCount":1}},{"node":{"name":"Ana-Maria Sanders","slug":"ana","bio":"Ana-Maria is a content writer and marketing manager at Loanstart. In her current role she is responsible for managing the finance and operations of securities. On top of that, Ana-Maria loves writing","profile_image":"https://thinksaveretire.com/wp-content/uploads/2019/11/Ana-Maria-Sanders.png","postCount":1}},{"node":{"name":"Andrew Herrig","slug":"andrew","bio":"Andrew is a personal finance aficionado who helps others take control of their finances and learn to build generational wealth at his blog, Enoch Omololu is a veterinarian by day and a personal finance blogger by night at ","profile_image":"https://www.gravatar.com/avatar/7cc6fb3125907e40a7376d6d3b4043fa","postCount":2}},{"node":{"name":"Fay Shaw","slug":"fay","bio":"Fay is a postdoctoral research associate at the Tufts Center for Engineering Education and Outreach and is serving as Principal Investigator for an NSF SBIR grant","profile_image":"https://www.gravatar.com/avatar/bea7c09b9bf5465e25aaa0113b55f172","postCount":1}},{"node":{"name":"Financial Wolves","slug":"financial","bio":"Financial Wolves is a blog focused on helping you make more money to achieve financial freedom.","profile_image":"https://www.gravatar.com/avatar/bf268aeeb64d52079bc47b63a15ce439","postCount":1}},{"node":{"name":"Fred @ Money With A Purpose","slug":"fred","bio":null,"profile_image":"https://www.gravatar.com/avatar/d1571b6a2656ffdf77c9ff0f725963ce","postCount":1}},{"node":{"name":"G. Brian Davis","slug":"g","bio":"G. Brian Davis is a real estate investor and co-founder of SparkRental.com, which provides education and free landlord resources.","profile_image":"https://www.gravatar.com/avatar/022d6a7787b01e3b267c66482d107651","postCount":1}},{"node":{"name":"Grant Sabatier","slug":"grant","bio":null,"profile_image":"https://www.gravatar.com/avatar/a018173d1cb4152aea470ac89f8954e8","postCount":1}},{"node":{"name":"Ingrid","slug":"ingrid","bio":null,"profile_image":"http://thinksaveretire.com/wp-content/uploads/2019/07/ingrid.jpeg","postCount":1}},{"node":{"name":"Jack Duke","slug":"jack","bio":null,"profile_image":"https://www.gravatar.com/avatar/ef63e7e0300dedb6e40fa4725c963528","postCount":1}},{"node":{"name":"Jeff","slug":"jeff","bio":"Dr. Jeff uses his personal six-figure debt experience he had to inspire other doctor and high-income professionals. ","profile_image":"http://thinksaveretire.com/wp-content/uploads/2019/06/Fincon18_Headshots_Day-2-1207.jpg","postCount":1}},{"node":{"name":"Jessica @ The Financial Graduate","slug":"jessica","bio":null,"profile_image":"https://www.gravatar.com/avatar/aa93cf6c9b9fea81af5298f3546fae7e","postCount":2}},{"node":{"name":"John @ How To FIRE","slug":"john","bio":"John and his wife run where they work to educate others, provide valuable resources and share our own journey towards FIRE. ","profile_image":"https://www.gravatar.com/avatar/4e35fa9597e0ccbf2679000ab78dfd38","postCount":1}},{"node":{"name":"Julie @ Millennial Boss","slug":"julie","bio":"Julie, or J, is a 30-year-old tech professional who lives in Seattle, WA with her husband and dog. She loves anything outdoors, side hustling, and talking FIRE.","profile_image":"https://www.gravatar.com/avatar/c8989f9f1a8861e5f7607463f47f10bf","postCount":1}},{"node":{"name":"Justin Song","slug":"justin","bio":"Justin Song is a Product Manager at Value Penguin.","profile_image":"https://www.gravatar.com/avatar/9025b2248cc61c9238c5bb3ba2d29b24","postCount":1}},{"node":{"name":"Kara | The Flawed Consumer","slug":"kara","bio":null,"profile_image":"https://www.gravatar.com/avatar/c7db014e4ff8e4f1e8de8d04b00f579d","postCount":1}},{"node":{"name":"Kevin @ Just Start Investing","slug":"kevin","bio":null,"profile_image":"https://www.gravatar.com/avatar/b4348a5e29e4ed43779ead7e60cc3082","postCount":1}},{"node":{"name":"Kristin Hanes","slug":"kristin","bio":"Kristin Hanes is a journalist and writer who lives on a sailboat in San Francisco.","profile_image":"https://www.gravatar.com/avatar/deca7480c9be4a5d68bd740c45dff3e4","postCount":1}},{"node":{"name":"Kyle @ Millionaire Mob","slug":"kyle","bio":null,"profile_image":"https://www.gravatar.com/avatar/0f1908588689046da825586bf74a688a","postCount":1}},{"node":{"name":"Lily","slug":"lily","bio":null,"profile_image":"https://www.gravatar.com/avatar/84c85e1ef17df319bd0f1c2dbf4cf7dc","postCount":1}},{"node":{"name":"M @ Radical Fire","slug":"m","bio":"I’m M @ Radical FIRE, a 24-year-old financial consultant that is passionate about the Financial Independence and Retire Early (FI/RE) movement. ","profile_image":"https://www.gravatar.com/avatar/afec7e1b18aa548daf8c8c9c9b99237d","postCount":1}},{"node":{"name":"Michael @ Your Money Geek","slug":"michael-your-money-geek","bio":"Michael blogs at Your Money Geek where he shares his experience, unique insights, and profiles inspirational FIRE folk.","profile_image":"https://www.gravatar.com/avatar/4bf8c1b1345c2069bcf816112b60dd38","postCount":3}},{"node":{"name":"Michael Monfredi","slug":"michael","bio":null,"profile_image":"https://www.gravatar.com/avatar/5f452887b6787a4d8b3751794fe5697a","postCount":1}},{"node":{"name":"Michael Perrone","slug":"michael-perrone","bio":null,"profile_image":"https://www.gravatar.com/avatar/96c7eff358b2b7d4b7ee29a92043d9dd","postCount":1}},{"node":{"name":"Miguel","slug":"miguel","bio":null,"profile_image":"https://www.gravatar.com/avatar/2b4405ea9cd88c5968b4d6753d6f8b33","postCount":1}},{"node":{"name":"Molly Barnes","slug":"molly","bio":"Molly Barnes is a full-time digital nomad, exploring and working remotely in different cities in the US. ","profile_image":"https://www.gravatar.com/avatar/d701f5731964a046c16ed988544946b8","postCount":1}},{"node":{"name":"Patricia Russell","slug":"patricia","bio":null,"profile_image":"https://www.gravatar.com/avatar/ad25eb2d8263de811bb45446dd22b3fd","postCount":1}},{"node":{"name":"Penny @ ShePicksUpPennies.com","slug":"penny","bio":"Penny is an educator in her early thirties who lives in the ‘burbs of a big Midwestern city with my husband and baby and writes on her blog at shepicksuppennies.com","profile_image":"https://www.gravatar.com/avatar/582bd3655c2c7d1cac09c59fc9b375de","postCount":1}},{"node":{"name":"Peter @ Counting Every Dollar","slug":"peter","bio":"Peter writes about achieving financial independence through career-hacking, online side-hustles, and super-saving. ","profile_image":"https://www.gravatar.com/avatar/3aba5fecb7116db4f209469ada140f24","postCount":1}},{"node":{"name":"PK","slug":"pk","bio":"PK is nearing FI and is currently working as a software guy in IT. During his career he has held operational and management roles in addition to his preferred role of writing software. He is currentl","profile_image":"https://www.gravatar.com/avatar/8996cf15108de330807f18f0ac19b8a9","postCount":1}},{"node":{"name":"Poor Swiss","slug":"poor","bio":"Mr. The Poor Swiss is the main author behind thepoorswiss.com. In 2017, he realized that he was spending more and more every year, falling into the trap of lifestyle inflation. ","profile_image":"https://www.gravatar.com/avatar/2a33c174894add22e71196cf452c420c","postCount":1}},{"node":{"name":"Shelly Strom","slug":"shelly","bio":"Shelly is a writer based in Washington. Since coming out of early retirement from being a volunteer wildlife refuge caretaker in her early 20's, Shelly has written for newspapers, worked in corporate","profile_image":"https://thinksaveretire.com/wp-content/uploads/2019/10/Portrait_resume.png","postCount":4}},{"node":{"name":"Steve Adcock","slug":"steve","bio":"Steves a 38-year-old early retiree who writes about the intersection of happiness and financial independence.","profile_image":"https://www.gravatar.com/avatar/ae0b2f8d459bad06e6d287fa4a74b1ea","postCount":773}},{"node":{"name":"Terry","slug":"terry","bio":null,"profile_image":"https://www.gravatar.com/avatar/69af05806cf63a5499d0f0970f318e1b","postCount":1}},{"node":{"name":"Think Save Retire","slug":"think","bio":null,"profile_image":"https://www.gravatar.com/avatar/4ea272b42b0fdeaba24213d79cea10a5","postCount":22}},{"node":{"name":"Thomas Minter","slug":"thomas","bio":null,"profile_image":"https://www.gravatar.com/avatar/59b38630fd6fa557f4169e26ae4076f6","postCount":1}},{"node":{"name":"Whitney Nicely","slug":"whitney","bio":null,"profile_image":"https://www.gravatar.com/avatar/3561d1597d9d88b9183c9fa79729e544","postCount":1}}]},"allAuthorsBioFullJson":{"edges":[{"node":{"bio":"Steve is a 38-year-old early retiree who writes about the intersection of happiness and financial independence. Steve is a regular contributor to MarketWatch, CNBC, and The Ladders. He lives full-time in his 30' Airstream Classic and travels the country with his wife Courtney and two rescued dogs.","slug":"steve"}},{"node":{"bio":"","slug":"courtney"}},{"node":{"bio":"PK is nearing FI and is currently working as a software guy in IT. During his career he has held operational and management roles in addition to his preferred role of writing software. He is currently contemplating the start of his own blog.","slug":"pk"}},{"node":{"bio":"Fay is a postdoctoral research associate at the Tufts Center for Engineering Education and Outreach and is serving as Principal Investigator for an NSF SBIR grant developing an Internet of Things STEM product for girls (1746640). She also runs the site Bitwise E-Textiles.","slug":"fay"}},{"node":{"bio":"","slug":"chris"}},{"node":{"bio":"G. Brian Davis is a real estate investor and co-founder of SparkRental.com, which provides education and free tools for landlords and rental investors. Their services include automated rent collection (with an option to deduct rent from the tenant’s paycheck), lease agreements, tenant screening and more. If you’re interested in getting started with rental properties, start with their free mini-course on buying small multifamily rental properties.","slug":"g"}},{"node":{"bio":"","slug":"boisy"}},{"node":{"bio":"","slug":"lily"}},{"node":{"bio":"Kristin Hanes is a journalist and writer who lives on a sailboat in San Francisco. Her blog, The Wayward Home, explores van life, RVing, tiny homes and sailboat living. She hopes to inspire others to live tiny and lead a life of adventure.","slug":"kristin"}},{"node":{"bio":"Bob Clyatt is the author of Work Less, Live More: The New Way to Retire Early, which has sold over 40,000 copies.  After founding two startups which were sold to public companies he retired in 2001 at age 42 to pursue his artistic interests.  Bob’s sculptures will be exhibited during the 2019 Venice Biennale in the pavilion of the European Cultural Center. ","slug":"bob"}},{"node":{"bio":"","slug":"grant"}},{"node":{"bio":"","slug":"kara"}},{"node":{"bio":"","slug":"brenda"}},{"node":{"bio":"","slug":"thomas"}},{"node":{"bio":"","slug":"michael"}},{"node":{"bio":"","slug":"jessica"}},{"node":{"bio":"","slug":"miguel"}},{"node":{"bio":"","slug":"chris-duke"}},{"node":{"bio":"","slug":"jack"}},{"node":{"bio":"Michael blogs at Your Money Geek where he shares his experience, unique insights, and profiles inspirational success stories. When he is not writing about personal finance Michael can be found enjoying a sci-fi book.","slug":"michael-your-money-geek"}},{"node":{"bio":"","slug":"marc"}},{"node":{"bio":"","slug":"cody"}},{"node":{"bio":"Cindy quit her 9-5 job to start living life on her own terms. Her blog, Making Coins Count, empowers others to save, invest and grow their net worth using the same simple strategies that have allowed her to travel the world full-time and become financially independent.","slug":"cindy"}},{"node":{"bio":"","slug":"kyle"}},{"node":{"bio":"","slug":"kevin"}},{"node":{"bio":"I’m M @ Radical FIRE, a 24-year-old financial consultant that is passionate about the Financial Independence and Retire Early (FI/RE) movement. I want to empower YOU to be Financially Independent, if you want it you can achieve it! I am taking you on my journey to be Financially Independent by 35, let’s do it!","slug":"m"}},{"node":{"bio":"","slug":"whitney"}},{"node":{"bio":"","slug":"michael-perrone"}},{"node":{"bio":"","slug":"fred"}},{"node":{"bio":"Penny is an educator in her early thirties who lives in the ‘burbs of a big Midwestern city with my husband and baby and writes on her blog at She Picks Up Pennies. In three years, they paid down over $85,000 worth of debt on two teachers’ salaries, thanks to some serious savings and extra side hustling.","slug":"penny"}},{"node":{"bio":"","slug":"danielle"}},{"node":{"bio":"","slug":"nathan"}},{"node":{"bio":"Cameron Huddleston is an award-winning financial journalist with more than 17 years of experience writing about personal finance. She also is the author of Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances. ","slug":"cameron"}},{"node":{"bio":"","slug":"robin"}},{"node":{"bio":"Julie, or “J”, is a 30-year-old tech professional who lives in Seattle, WA with her husband and dog. She loves anything outdoors, side hustling, and talking to interesting people on the path to financial independence on her podcast, Fire Drill. She is the creator of the Side Course where she teaches people how to build passive income streams with Etsy printables, blogging, and freelancing.","slug":"julie"}},{"node":{"bio":"Dr. Jeff uses his personal six-figure debt experience he had to inspire other doctor and high-income professionals. He focuses on debt-free living and financial freedom at Debt Free Dr.","slug":"jeff"}},{"node":{"bio":"Mr. The Poor Swiss is the main author behind thepoorswiss.com. In 2017, he realized that he was spending more and more every year, falling into the trap of lifestyle inflation. He decided to cut on his expenses and increase his income. This blog is relating his story and findings. In 2018, he saved more than 40% of his income. He made it a goal to reach Financial Independence. You can send Mr. The Poor Swiss a message here.","slug":"poor"}},{"node":{"bio":"","slug":"patricia"}},{"node":{"bio":"Molly Barnes is a full-time digital nomad, exploring and working remotely in different cities in the US. She and her boyfriend Jacob created the website Digital Nomad Life to share their journey and help others to pursue a nomadic lifestyle.","slug":"molly"}},{"node":{"bio":"John and his wife run How To FIRE where they work to educate others, provide valuable resources and share our own journey towards FIRE. Their mission is to pursue passions outside of a 9-to-5 and without a worry about money!","slug":"john"}},{"node":{"bio":"Peter writes about achieving financial independence through career-hacking, online side-hustles, and super-saving. In the last 2 years using these techniques, the Counting Every Dollar family has doubled their income, increased net worth by over $200,000 and reached an 85% savings rate!","slug":"peter"}},{"node":{"bio":"Ingrid took early retirement from software engineering at 43 to pursue her passions for language learning and travel. Her goal is to learn a new language to fluency every two years. Currently, she speaks English, German, and Spanish, and is learning Portuguese. \r\n\r\nFind out more at her blog Second-Half Travels, or follow along on Facebook.","slug":"ingrid"}},{"node":{"bio":"Chris is a financial blogger who loves to be transparent about money-related issues. He’s paid off massive amounts of credit card debt and is the blog author of Money Stir. His main focus on Money Stir is talking about how money relates to our relationships, personal development, and how to plan for the future we want. He’s been quoted on Market Watch, The Ladders, and other publications.","slug":"chris-roane-money-stir"}},{"node":{"bio":"Enoch Omololu is a veterinarian by day and a personal finance blogger by night at Savvy New Canadians. He has a master’s degree in finance and investment management and his writing has been featured in the Toronto Star, Financial Post, MSN Money, Nest Wealth, The Motley Fool, Rockstar Finance and many other personal finance publications.","slug":"enoch"}},{"node":{"bio":"Justin Song is a Product Manager at ValuePenguin, a consumer research site, covering the small business and loans vertical. Before joining ValuePenguin he was a Senior Consultant at IBM. Justin graduated from New York University with a B.A. in Economics—in his free time he loves using credit card rewards to travel.","slug":"justin"}},{"node":{"bio":"Andrew is a personal finance aficionado who helps others take control of their finances and learn to build generational wealth at his blog, Wealthy Nickel. With a Bachelors degree in Engineering and a Masters in Economics, he is a numbers geek through and through. Andrew has a unique story of building wealth outside his day job through real estate investing, and teaches others to do the same. Andrew’s real estate background, along with growing up enjoying the benefits of his family’s timeshare, gives him a balanced view of the industry to help others make the best decision with their own timeshare.","slug":"andrew"}},{"node":{"bio":"Financial Wolves is a blog focused on helping you make more money to achieve financial freedom. After repaying student loans, I’ve shifted my focus to make more money from side hustles, real estate, freelancing and the online economy. Follow us on Twitter and Facebook. ","slug":"financial"}},{"node":{"bio":"Drew writes about maximizing career success, especially for introverts, on FI Introvert. He believes that we can realize at least 80% of the benefits of early retirement by working in HIFI positions – high income, high freedom, and high impact. Through brute force savings and a strong stock market, he and his wife have amassed nearly $1M in invested assets in four years. More importantly, he has a job he loves that allows him to work from home, direct 80% of his time, and see his son during the day.","slug":"drew"}},{"node":{"bio":"","slug":"lana"}},{"node":{"bio":"","slug":"adthrive"}},{"node":{"bio":"Melissa loves content, comedy, and all things West Coast. She is grateful to wake up every day with the chance to bring stories from unlikely sources to life and enable others to design and live the life of their dreams. She is an aspiring #RichGrandma but until then she's happy living in the Pacific Northwest with her husband and rescue cat.","slug":"melissa"}},{"node":{"bio":"Shelly is a writer based in Washington. Since coming out of early retirement from being a volunteer wildlife refuge caretaker in her early 20's, Shelly has written for newspapers, worked in corporate comms and served as comms director for political campaigns. With AI taking over, now seems like the perfect time to bring her writing skills to the FIRE movement.","slug":"shelly"}},{"node":{"bio":"","slug":"think"}},{"node":{"bio":"","slug":"paul"}}]}},"pageContext":{"slug":"defensive-side-of-financial-independence"}}}