{"componentChunkName":"component---src-templates-post-tsx","path":"/rethinking-home-equity-on-the-path-to-financial-independence/","result":{"data":{"ghostPost":{"id":"Ghost__Post__6a7e18a78478e50001eb1073","title":"Rethinking Home Equity on the Path to Financial Independence","slug":"rethinking-home-equity-on-the-path-to-financial-independence","featured":false,"feature_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2026/08/Rethinking-Home-Equity-on-the-Path-to-Financial-Independence.jpeg","excerpt":"Learn how strategic home equity management can support financial independence while reducing debt, improving liquidity, and building wealth.","custom_excerpt":"Learn how strategic home equity management can support financial independence while reducing debt, improving liquidity, and building wealth.","created_at_pretty":"13 August, 2026","published_at_pretty":"13 August, 2026","updated_at_pretty":"13 August, 2026","created_at":"2026-08-13T19:19:03.000+00:00","published_at":"2026-08-13T19:46:27.000+00:00","updated_at":"2026-08-13T19:46:27.000+00:00","meta_title":"Rethinking Home Equity on the Path to Financial Independence","meta_description":"Learn how strategic home equity management can support financial independence while reducing debt, improving liquidity, and building wealth.","og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"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","twitter":null,"facebook":null,"website":null}],"primary_author":{"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","twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[],"plaintext":"Disclaimer: This article is for informational purposes only, not financial, tax,\nlegal, or mortgage advice. Home equity borrowing carries risks, including\npotential loss of your home. Consider your circumstances and consult a qualified\nprofessional before making financial decisions.\n\nIf you’re anywhere near the FIRE (Financial Independence, Retire Early)\ncommunity or just obsessed with optimizing your money\n[https://thinksaveretire.com/tips-for-managing-money/], you know the core golden\nrules: cut unnecessary expenses, destroy high-interest debt, and pour as much as\npossible into income-generating assets.\n\nFor years, the standard advice around homeownership was pretty rigid: pay off\nyour 30-year mortgage as fast as possible and treat your home as a giant,\nuntouchable piggy bank.\n\nBut as financial markets evolve, a lot of savvy investors are realizing that\nkeeping hundreds of thousands of dollars locked up inside drywall isn't always\nthe most efficient play. Real estate equity is completely illiquid until you\nsell or borrow against it. Learning how to strategically manage that built-in\nwealth—without taking on reckless risk—can actually accelerate your timeline to\nfinancial freedom.\n\nThe Problem with “Dead” Equity\nHaving a ton of equity in your home looks great on a net worth spreadsheet, but\nit doesn't pay for your groceries or cover an unexpected medical bill. Equity\njust sits there, earning zero compounding return on its own outside of general\nmarket appreciation.\n\nIf a major expense hits or a temporary income gap happens, having all your\nwealth trapped in your house leaves you in a weird spot: you’re \"house rich\" but\ncash poor.\n\nTo cover those moments, a lot of people make the mistake of draining their\nhigh-yield savings accounts or, even worse, selling off index funds at a bad\ntime. Finding ways to access low-cost liquidity without destroying your\ncompounding investment portfolio is key to staying on track.\n\nRefinancing Your Debt Strategy\nHigh-interest consumer debt is the ultimate enemy of early retirement. Carrying\nbalances on credit cards or high-rate personal loans burns through your monthly\ncash flow, leaving almost nothing left over to throw into your brokerage\naccounts.\n\nConsolidating high-cost liabilities using your home’s built-in equity is one of\nthe fastest ways to lower your monthly burn rate. Because equity-backed credit\nuses your house as collateral, the interest rates are significantly lower than\nwhat you’ll pay on unsecured consumer credit.\n\nWhen you swap out a 20% interest rate on a credit card for a low variable rate\nbacked by your property, you instantly slash your monthly carrying costs. Every\ndollar you save on interest payments goes straight back into your savings rate,\nspeeding up your journey to financial independence.\n\nFlexible Credit as an Invisible Safety Net\nTraditional FIRE wisdom says you need a massive cash buffer in a savings\naccount. While having liquid cash is essential, keeping too much money in cash\nmeans inflation quietly chips away at your purchasing power year after year.\n\nThis is where revolving credit options fit into a lean financial setup. Instead\nof taking out a massive, rigid lump-sum loan, having access to a flexible\nstandby credit line lets you draw funds only when you actually need them.\n\nIf you want a low-cost backup option that sits quietly in the background without\ncharging you annual fees, looking into a HELOC\n[https://www.sofi.com/home-loans/heloc/] gives you a flexible draw period where\nyou only pay interest on what you use. It acts as an invisible safety net,\nallowing you to keep a leaner cash emergency fund and leave more of your money\nworking hard in the market.\n\nHigh-Return Renovations vs. Lifestyle Creep\nUsing home equity to fund physical upgrades can be a smart move, but only if you\napproach it with an investor mindset. Spending six figures on luxury finishes\nthat won't add real value to your home is just lifestyle creep in disguise.\n\nHowever, using low-cost credit to fund structural improvements that actively\nboost your property’s appraisal value or generate rental income (like building\nan ADU or a home studio) is a completely different story.\n\nBefore tapping into your home’s value for a project, run the simple math:\n\n * Will this project directly increase my home's equity or cash flow?\n * Is the cost of capital lower than the expected return or value add?\n * Can my baseline budget easily absorb the monthly payments during the\n repayment period?\n\nKeeping your renovations focused on real return on investment protects your\nbalance sheet from unnecessary drag.\n\nProtecting Your Long-Term Compounding\nThe biggest mistake people make on the path to financial independence is pulling\nmoney out of their investment accounts during market downturns just to cover\nshort-term cash needs. Every time you liquidate stocks during a dip, you lock in\nlosses and ruin your long-term compounding magic.\n\nHaving access to low-cost equity credit gives you an alternative runway. When\nthe market drops, you can leave your stock portfolio completely untouched, let\nit recover naturally, and use your credit line to handle short-term needs.\n\nIt’s all about maintaining control over when and how you liquidate your assets,\nrather than being forced into bad selling decisions by short-term financial\npressure.\n\nBalancing Math with Peace of Mind\nAt the end of the day, financial independence isn't just a math problem—it’s\nabout sleeping well at night. Borrowing against your primary residence demands\nstrict discipline, realistic budgeting, and a healthy respect for risk.\n\nNever over-leverage your property just because the credit line is available.\nKeep your borrow ratio conservative, make sure your income easily covers\npotential rate shifts, and always have a clear payoff strategy in place.\n\nTreating your home equity as a strategic tool rather than a piggy bank is what\nseparates emotional spending from true wealth building.\n\nConclusion\nReaching financial independence is all about making intentional choices with\nevery asset you own. By turning static home equity into a flexible financial\ntool, you can eliminate high-interest debt, protect your liquid investments, and\nnavigate life’s surprises with total confidence. Take the time to run your own\nnumbers, compare your options, and build a lean, resilient financial setup that\ngets you to your goals faster.","html":"

Disclaimer: This article is for informational purposes only, not financial, tax, legal, or mortgage advice. Home equity borrowing carries risks, including potential loss of your home. Consider your circumstances and consult a qualified professional before making financial decisions.

If you’re anywhere near the FIRE (Financial Independence, Retire Early) community or just obsessed with optimizing your money, you know the core golden rules: cut unnecessary expenses, destroy high-interest debt, and pour as much as possible into income-generating assets.

For years, the standard advice around homeownership was pretty rigid: pay off your 30-year mortgage as fast as possible and treat your home as a giant, untouchable piggy bank.

But as financial markets evolve, a lot of savvy investors are realizing that keeping hundreds of thousands of dollars locked up inside drywall isn't always the most efficient play. Real estate equity is completely illiquid until you sell or borrow against it. Learning how to strategically manage that built-in wealth—without taking on reckless risk—can actually accelerate your timeline to financial freedom.

The Problem with “Dead” Equity

Having a ton of equity in your home looks great on a net worth spreadsheet, but it doesn't pay for your groceries or cover an unexpected medical bill. Equity just sits there, earning zero compounding return on its own outside of general market appreciation.

If a major expense hits or a temporary income gap happens, having all your wealth trapped in your house leaves you in a weird spot: you’re \"house rich\" but cash poor.

To cover those moments, a lot of people make the mistake of draining their high-yield savings accounts or, even worse, selling off index funds at a bad time. Finding ways to access low-cost liquidity without destroying your compounding investment portfolio is key to staying on track.

Refinancing Your Debt Strategy

High-interest consumer debt is the ultimate enemy of early retirement. Carrying balances on credit cards or high-rate personal loans burns through your monthly cash flow, leaving almost nothing left over to throw into your brokerage accounts.

Consolidating high-cost liabilities using your home’s built-in equity is one of the fastest ways to lower your monthly burn rate. Because equity-backed credit uses your house as collateral, the interest rates are significantly lower than what you’ll pay on unsecured consumer credit.

When you swap out a 20% interest rate on a credit card for a low variable rate backed by your property, you instantly slash your monthly carrying costs. Every dollar you save on interest payments goes straight back into your savings rate, speeding up your journey to financial independence.

Flexible Credit as an Invisible Safety Net

Traditional FIRE wisdom says you need a massive cash buffer in a savings account. While having liquid cash is essential, keeping too much money in cash means inflation quietly chips away at your purchasing power year after year.

This is where revolving credit options fit into a lean financial setup. Instead of taking out a massive, rigid lump-sum loan, having access to a flexible standby credit line lets you draw funds only when you actually need them.

If you want a low-cost backup option that sits quietly in the background without charging you annual fees, looking into a HELOC gives you a flexible draw period where you only pay interest on what you use. It acts as an invisible safety net, allowing you to keep a leaner cash emergency fund and leave more of your money working hard in the market.

High-Return Renovations vs. Lifestyle Creep

Using home equity to fund physical upgrades can be a smart move, but only if you approach it with an investor mindset. Spending six figures on luxury finishes that won't add real value to your home is just lifestyle creep in disguise.

However, using low-cost credit to fund structural improvements that actively boost your property’s appraisal value or generate rental income (like building an ADU or a home studio) is a completely different story.

Before tapping into your home’s value for a project, run the simple math:

Keeping your renovations focused on real return on investment protects your balance sheet from unnecessary drag.

Protecting Your Long-Term Compounding

The biggest mistake people make on the path to financial independence is pulling money out of their investment accounts during market downturns just to cover short-term cash needs. Every time you liquidate stocks during a dip, you lock in losses and ruin your long-term compounding magic.

Having access to low-cost equity credit gives you an alternative runway. When the market drops, you can leave your stock portfolio completely untouched, let it recover naturally, and use your credit line to handle short-term needs.

It’s all about maintaining control over when and how you liquidate your assets, rather than being forced into bad selling decisions by short-term financial pressure.

Balancing Math with Peace of Mind

At the end of the day, financial independence isn't just a math problem—it’s about sleeping well at night. Borrowing against your primary residence demands strict discipline, realistic budgeting, and a healthy respect for risk.

Never over-leverage your property just because the credit line is available. Keep your borrow ratio conservative, make sure your income easily covers potential rate shifts, and always have a clear payoff strategy in place.

Treating your home equity as a strategic tool rather than a piggy bank is what separates emotional spending from true wealth building.

Conclusion

Reaching financial independence is all about making intentional choices with every asset you own. By turning static home equity into a flexible financial tool, you can eliminate high-interest debt, protect your liquid investments, and navigate life’s surprises with total confidence. Take the time to run your own numbers, compare your options, and build a lean, resilient financial setup that gets you to your goals faster.

","url":"https://admin.thinksaveretire.com/rethinking-home-equity-on-the-path-to-financial-independence/","uuid":"678befcd-629f-4535-a05e-95a6177fd0e0","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"6a7e18a78478e50001eb1073"},"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":88}},{"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":142}},{"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":144}},{"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":"rethinking-home-equity-on-the-path-to-financial-independence"}}}