{"componentChunkName":"component---src-templates-post-tsx","path":"/the-hidden-costs-of-owning-crypto/","result":{"data":{"ghostPost":{"id":"Ghost__Post__6a9b09738478e50001eb1246","title":"The Hidden Costs of Owning Crypto: How Fees, Taxes, Security and Mistakes Eat Into Your Returns","slug":"the-hidden-costs-of-owning-crypto","featured":false,"feature_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2026/09/The-Hidden-Costs-of-Owning-Crypto.jpeg","excerpt":"Learn the hidden costs of owning crypto, including trading fees, network fees, taxes, slippage, wallet security, and costly user mistakes.","custom_excerpt":"Learn the hidden costs of owning crypto, including trading fees, network fees, taxes, slippage, wallet security, and costly user mistakes.","created_at_pretty":"04 September, 2026","published_at_pretty":"04 September, 2026","updated_at_pretty":"04 September, 2026","created_at":"2026-09-04T18:09:55.000+00:00","published_at":"2026-09-04T18:58:08.000+00:00","updated_at":"2026-09-04T18:58:08.000+00:00","meta_title":"The Hidden Costs of Owning Crypto","meta_description":"Learn the hidden costs of owning crypto, including trading fees, network fees, taxes, slippage, wallet security, and costly user mistakes.","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 and educational purposes\nonly and does not constitute financial, investment, tax, legal, cryptocurrency,\nor cybersecurity advice. Cryptocurrency is highly volatile and may result in\nsignificant losses. Readers should keep accurate records, review platform terms\ncarefully, and consider speaking with qualified financial, tax, legal, or\nsecurity professionals before buying, trading, or storing digital assets.\n\nFor many investors, the main metric to keep track of is the value of\ncryptocurrencies and, more specifically, how much it went up. But the return for\nan investor isn’t always as clear-cut as that. Instead, there are costs of\nowning cryptos that cut into the profit, and investors should be aware of them.\n\nSome of these costs are obvious, such as exchange trading fees. These are\ncharged to crypto traders and used to cover the cost of running the exchange and\nproviding its services. Some are more obscure, and they include network gas\nfees, price slippage, tax obligations, hardware wallet expenses, and simple user\nmistakes.\n\nThis is also important for investors, since they are obligated to report their\nprofits to tax authorities and these fees are deducted from the bottom line.\n\nTrading Fees: The Silent Portfolio Killer\nTrading fees are the first hidden cost users will have to cover, and this is\ndone before any profits are made. Nearly every centralized cryptocurrency\nexchange charges a fee whenever you buy or sell digital assets. Market orders\nare more expensive since they are executed immediately, while limit orders have\nlower fees.\n\nWhen put into percentages, the fees seem to be pretty small. It’s usually\nbetween 0.1% and 0.5%, but this adds up as the investor continues to make\ntrades. This is true even with some of the best P2P exchanges\n[https://cryptomaniaks.com/exchanges/p2p-crypto-exchanges], which allow users to\ntrade with each other directly and therefore have even lower fees.\n\nAnother important expense to take into account is the spread. It’s a difference\nbetween the highest buying price and the lowest selling price. A wide spread\ntherefore increases the cost of every trade.\n\nAll of the expenses we mentioned are made worse for the investors and traders\nwho make trades often. Even if two traders achieve the same success and make the\nsame earnings, the one that has made more trades will end up paying more in the\nlong run.\n\nNetwork Fees: Why Moving Crypto Isn't Free\nMany investors feel that if they own crypto, they won’t be charged for\ntransferring it from one wallet to another. In reality, network fees are charged\non these transactions. These fees are separate from trading fees. Their cost is\ndetermined by network demand rather than by the size of your portfolio. The fees\nrise when the networks are busy.\n\nEthereum is the [https://coinmarketcap.com/currencies/ethereum/] best-known\nexample. Sending ETH or interacting with decentralized applications can become\nexpensive during periods of heavy activity because every smart contract\ntransaction requires gas. Bitcoin can also experience a fee spike when the\nnetwork is busy, even though it’s structured differently.\n\nAnother layer of cost comes from withdrawal fees. Some exchanges charge a fixed\namount every time crypto is withdrawn regardless of the amount. This means that\nthe investors would do well to withdraw larger sums, rather than withdrawing\nsmall sums individually.\n\nThere are a few practical ways to reduce these expenses:\n\n·         Combine smaller transfers into one larger transaction.\n\n·         Try not to move funds when the network is busy.\n\n·         Make sure to choose the correct network before making any withdrawals\nand transfers.\n\n·         Compare and contrast different networks before choosing which one to\nuse.\n\nSaving a few dollars on each transfer may seem like a minor matter. However, for\nthose who make a lot of transfers and withdrawals, it can add up, and it’s\nespecially concerning for users who own small amounts of cryptocurrencies.\n\nSlippage and Liquidity: The Cost You Never See\nSlippage is one of those costs that don’t appear on your receipt and therefore\none that’s the least understood even by experienced traders. Slippage is the\ndifference between the price you expect to receive and the price your order\nactually executes at. It happens because there’s no liquidity at the price you\nwanted. The traders are therefore forced to fill at multiple price levels.\n\nFor example, if there’s a small-cap token trading\n[https://coinmarketcap.com/watchlist/60bd77f4c079c74a3176226a/] at $1.00 and a\ntrader decides to buy $5,000 worth using a market order. Instead of buying all\nof the tokens at once at that price, they gradually buy at $1.00, $1.02, $1.04,\nand $1.06. Therefore, the purchasing price is $1.04, meaning the trader lost 4%\nbefore the investment has even moved.\n\nThis is an especially common problem with decentralized exchanges, because the\nliquidity pool is very small. Large orders create noticeable price impact,\npushing prices higher while buying and lower while selling.\n\nThere are several ways to reduce slippage:\n\n·         Use limit orders rather than market orders.\n\n·         Trade only highly liquid assets if possible.\n\n·         Break large trades into smaller transactions.\n\n·         Check expected price impact before confirming a swap.\n\nPoor liquidity can cause a valuable token to lose much of its value, because it\ncan’t be sold when the trader plans to.\n\nTaxes: The Biggest Hidden Expense for Many Investors\nTaxes are the biggest additional expense paid by those who profit from crypto\ntrading. It’s often overlooked because those profits weren’t taxed before, and\nmany novice traders aren’t aware of their obligations regarding taxes.\n\nA common mistake is that those taxes only apply when crypto is converted into\nfiat money. Many countries tax cryptos as they are, but they treat them as\nfinancial assets and not as money. This means that the taxable events are\nselling one cryptocurrency for another, spending crypto on purchases, and\nearning staking rewards.\n\nBuying and holding crypto usually isn’t taxable at all. It happens when the\nowner disposes of assets by spending, selling, or exchanging the asset for\nanother. Reporting on these events has become much stricter in recent years, as\nthe use of cryptos became more common among investors. Experts such as those\nfrom CryptoManiaks have reported that, in the United States, exchanges have\nbegun issuing standardized digital asset reporting forms, while European\ncountries are implementing broader automatic reporting frameworks for crypto\nservice providers. All of these create transparency. When cryptos were first\ninvented, many users believed that they were a way to get out of traditional\nbanking, but that hasn’t worked, now that the use of cryptos is highly\nregulated.\n\nAnother common misconception is about the cost basis. For instance, if a trader\nbuys Bitcoin for $25.000 and sells it for $40.000, they’ll pay the taxes on the\ndifference of $15.000. The investor needs to maintain accurate purchase records\nproving the value at both times.  The safest approach is to set up a system for\nmaintaining records and to stick to it for all transactions regardless of how\nsmall.\n\nSecurity Has a Price Too\nProtecting crypto assets is another expense that investors and traders should\nprepare for. Unlike with traditional banks and fiat money, investors are\nresponsible for their own security.\n\nThe most basic level of security is obtaining a hardware wallet. It’s a one-time\npurchase and one that completely prevents hacks, since the device itself isn’t\nconnected to the internet. It’s recommended for everyone holding large amounts\nof crypto. For smaller amounts, users could keep their crypto in the wallets\nprovided by the crypto exchanges.\n\nSecurity also includes backup materials. A recovery phrase written on paper is\nbetter than storing it in a screenshot. Some investors also use metal backup\nplates designed to survive fire and water damage. It’s also an inexpensive\ninvestment, but one that has long-term benefits.\n\nLarge investors are going one step further. They invest in professional custody\nor digital asset insurance. These services are paid via ongoing fees, but these\ncosts are often worth the price as the protection is stronger than what a single\nperson can obtain, and the insurance covers hacks and often unintentional\ntransfers.\n\nThere are a few measures to take to keep the crypto assets safe, and not all of\nthem require investing.\n\n·         Store recovery phrases offline.\n\n·         Never share seed phrases with anyone.\n\n·         Use two-step authentication.\n\n·         Make sure to verify wallet addresses before making a transfer.\n\n·         Update wallet software on a regular basis.\n\nThe Most Expensive Crypto Mistakes\nSometimes the biggest crypto losses have nothing to do with breaching security\nor crashing markets. Instead, they happen because of users’ mistakes, and they\ncan cost millions of dollars with no one to blame.\n\nOne of the most common errors is sending funds across the wrong blockchain\n[https://support.metamask.io/manage-crypto/move-crypto/send/funds-sent-on-wrong-network/]\n. Using an incompatible network to withdraw tokens means that recovery may be\ndifficult or even impossible if the receiving wallet does not support that\nchain.\n\nLosing a seed phrase is even more serious. Customers can’t retrieve this\ninformation as they can reset a password when losing it alongside their account\ninformation. A forgotten recovery phrase can permanently lock away valuable\nassets. This is the case with self-custodian wallets, at least.\n\nThere are investment mistakes as well. The investors often feel a fear of\nmissing out, and it leads them to buy during rapid price rallies, while panic\nselling locks in losses during corrections. These mistakes are similar to\ngambling, and handling crypto purchases should be treated more like investing\nwith a clear plan and schedule.\n\nTax records are another area in which small mistakes could become costly. It’s\nusually not a good idea to wait for the end of the year to reconstruct hundreds\nof transactions. There’s also more of a chance of making a mistake that way. The\nbest way to go is to handle the records after each transaction is made.\n\nHow to Calculate Your True Crypto Return\nThe investors should be aware that their profit isn’t as simple as the\ndifference between a buying and selling price. A better way of calculating the\npotential profit is to use this formula:\n\nReal Return=Investment Gain−Fees−Taxes−Security Costs−Mistake Losses\n\nWhen combined, the additional costs are really cutting into the profits. Not all\nof these costs will happen with every transaction, but a smart investor will\nleave aside some of the profits to prepare for potential costs and mistakes.\n This is especially true when it comes to purchasing insurance, which can be an\nongoing cost, but one that pays off the most when it’s needed.\n\nKeeping careful track of these additional expenses can also play a big role in\ntaxation, as those can be deducted from the basis on which the investor is\ntaxed.\n\nConclusion\nBuying and selling cryptocurrencies for profit has become as common as doing so\nwith stocks and bonds. Investors and traditional financial services have\naccepted cryptos as a legitimate asset. It’s important for traders to be aware\nthat there are costs to doing so and that some of them are hidden.\n\nThese include: taxes, the cost of security, slippage and liquidity, as well as\nnetwork and trading fees. There are also mistakes made by the crypto holders\nwhich could end up being quite costly.  When combined, these could take out a\nbig portion of the profit, especially for traders who make a lot of transfers.\n\nThe way to handle the cost is to be aware of it and to plan for the expenses\nbefore using the profits.","html":"

Disclaimer: This article is for general informational and educational purposes only and does not constitute financial, investment, tax, legal, cryptocurrency, or cybersecurity advice. Cryptocurrency is highly volatile and may result in significant losses. Readers should keep accurate records, review platform terms carefully, and consider speaking with qualified financial, tax, legal, or security professionals before buying, trading, or storing digital assets.

For many investors, the main metric to keep track of is the value of cryptocurrencies and, more specifically, how much it went up. But the return for an investor isn’t always as clear-cut as that. Instead, there are costs of owning cryptos that cut into the profit, and investors should be aware of them.

Some of these costs are obvious, such as exchange trading fees. These are charged to crypto traders and used to cover the cost of running the exchange and providing its services. Some are more obscure, and they include network gas fees, price slippage, tax obligations, hardware wallet expenses, and simple user mistakes.

This is also important for investors, since they are obligated to report their profits to tax authorities and these fees are deducted from the bottom line.

Trading Fees: The Silent Portfolio Killer

Trading fees are the first hidden cost users will have to cover, and this is done before any profits are made. Nearly every centralized cryptocurrency exchange charges a fee whenever you buy or sell digital assets. Market orders are more expensive since they are executed immediately, while limit orders have lower fees.

When put into percentages, the fees seem to be pretty small. It’s usually between 0.1% and 0.5%, but this adds up as the investor continues to make trades. This is true even with some of the best P2P exchanges, which allow users to trade with each other directly and therefore have even lower fees.

Another important expense to take into account is the spread. It’s a difference between the highest buying price and the lowest selling price. A wide spread therefore increases the cost of every trade.

All of the expenses we mentioned are made worse for the investors and traders who make trades often. Even if two traders achieve the same success and make the same earnings, the one that has made more trades will end up paying more in the long run.

Network Fees: Why Moving Crypto Isn't Free

Many investors feel that if they own crypto, they won’t be charged for transferring it from one wallet to another. In reality, network fees are charged on these transactions. These fees are separate from trading fees. Their cost is determined by network demand rather than by the size of your portfolio. The fees rise when the networks are busy.

Ethereum is the best-known example. Sending ETH or interacting with decentralized applications can become expensive during periods of heavy activity because every smart contract transaction requires gas. Bitcoin can also experience a fee spike when the network is busy, even though it’s structured differently.

Another layer of cost comes from withdrawal fees. Some exchanges charge a fixed amount every time crypto is withdrawn regardless of the amount. This means that the investors would do well to withdraw larger sums, rather than withdrawing small sums individually.

There are a few practical ways to reduce these expenses:

·         Combine smaller transfers into one larger transaction.

·         Try not to move funds when the network is busy.

·         Make sure to choose the correct network before making any withdrawals and transfers.

·         Compare and contrast different networks before choosing which one to use.

Saving a few dollars on each transfer may seem like a minor matter. However, for those who make a lot of transfers and withdrawals, it can add up, and it’s especially concerning for users who own small amounts of cryptocurrencies.

Slippage and Liquidity: The Cost You Never See

Slippage is one of those costs that don’t appear on your receipt and therefore one that’s the least understood even by experienced traders. Slippage is the difference between the price you expect to receive and the price your order actually executes at. It happens because there’s no liquidity at the price you wanted. The traders are therefore forced to fill at multiple price levels.

For example, if there’s a small-cap token trading at $1.00 and a trader decides to buy $5,000 worth using a market order. Instead of buying all of the tokens at once at that price, they gradually buy at $1.00, $1.02, $1.04, and $1.06. Therefore, the purchasing price is $1.04, meaning the trader lost 4% before the investment has even moved.

This is an especially common problem with decentralized exchanges, because the liquidity pool is very small. Large orders create noticeable price impact, pushing prices higher while buying and lower while selling.

There are several ways to reduce slippage:

·         Use limit orders rather than market orders.

·         Trade only highly liquid assets if possible.

·         Break large trades into smaller transactions.

·         Check expected price impact before confirming a swap.

Poor liquidity can cause a valuable token to lose much of its value, because it can’t be sold when the trader plans to.

Taxes: The Biggest Hidden Expense for Many Investors

Taxes are the biggest additional expense paid by those who profit from crypto trading. It’s often overlooked because those profits weren’t taxed before, and many novice traders aren’t aware of their obligations regarding taxes.

A common mistake is that those taxes only apply when crypto is converted into fiat money. Many countries tax cryptos as they are, but they treat them as financial assets and not as money. This means that the taxable events are selling one cryptocurrency for another, spending crypto on purchases, and earning staking rewards.

Buying and holding crypto usually isn’t taxable at all. It happens when the owner disposes of assets by spending, selling, or exchanging the asset for another. Reporting on these events has become much stricter in recent years, as the use of cryptos became more common among investors. Experts such as those from CryptoManiaks have reported that, in the United States, exchanges have begun issuing standardized digital asset reporting forms, while European countries are implementing broader automatic reporting frameworks for crypto service providers. All of these create transparency. When cryptos were first invented, many users believed that they were a way to get out of traditional banking, but that hasn’t worked, now that the use of cryptos is highly regulated.

Another common misconception is about the cost basis. For instance, if a trader buys Bitcoin for $25.000 and sells it for $40.000, they’ll pay the taxes on the difference of $15.000. The investor needs to maintain accurate purchase records proving the value at both times.  The safest approach is to set up a system for maintaining records and to stick to it for all transactions regardless of how small.

Security Has a Price Too

Protecting crypto assets is another expense that investors and traders should prepare for. Unlike with traditional banks and fiat money, investors are responsible for their own security.

The most basic level of security is obtaining a hardware wallet. It’s a one-time purchase and one that completely prevents hacks, since the device itself isn’t connected to the internet. It’s recommended for everyone holding large amounts of crypto. For smaller amounts, users could keep their crypto in the wallets provided by the crypto exchanges.

Security also includes backup materials. A recovery phrase written on paper is better than storing it in a screenshot. Some investors also use metal backup plates designed to survive fire and water damage. It’s also an inexpensive investment, but one that has long-term benefits.

Large investors are going one step further. They invest in professional custody or digital asset insurance. These services are paid via ongoing fees, but these costs are often worth the price as the protection is stronger than what a single person can obtain, and the insurance covers hacks and often unintentional transfers.

There are a few measures to take to keep the crypto assets safe, and not all of them require investing.

·         Store recovery phrases offline.

·         Never share seed phrases with anyone.

·         Use two-step authentication.

·         Make sure to verify wallet addresses before making a transfer.

·         Update wallet software on a regular basis.

The Most Expensive Crypto Mistakes

Sometimes the biggest crypto losses have nothing to do with breaching security or crashing markets. Instead, they happen because of users’ mistakes, and they can cost millions of dollars with no one to blame.

One of the most common errors is sending funds across the wrong blockchain. Using an incompatible network to withdraw tokens means that recovery may be difficult or even impossible if the receiving wallet does not support that chain.

Losing a seed phrase is even more serious. Customers can’t retrieve this information as they can reset a password when losing it alongside their account information. A forgotten recovery phrase can permanently lock away valuable assets. This is the case with self-custodian wallets, at least.

There are investment mistakes as well. The investors often feel a fear of missing out, and it leads them to buy during rapid price rallies, while panic selling locks in losses during corrections. These mistakes are similar to gambling, and handling crypto purchases should be treated more like investing with a clear plan and schedule.

Tax records are another area in which small mistakes could become costly. It’s usually not a good idea to wait for the end of the year to reconstruct hundreds of transactions. There’s also more of a chance of making a mistake that way. The best way to go is to handle the records after each transaction is made.

How to Calculate Your True Crypto Return

The investors should be aware that their profit isn’t as simple as the difference between a buying and selling price. A better way of calculating the potential profit is to use this formula:

Real Return=Investment Gain−Fees−Taxes−Security Costs−Mistake Losses

When combined, the additional costs are really cutting into the profits. Not all of these costs will happen with every transaction, but a smart investor will leave aside some of the profits to prepare for potential costs and mistakes.  This is especially true when it comes to purchasing insurance, which can be an ongoing cost, but one that pays off the most when it’s needed.

Keeping careful track of these additional expenses can also play a big role in taxation, as those can be deducted from the basis on which the investor is taxed.

Conclusion

Buying and selling cryptocurrencies for profit has become as common as doing so with stocks and bonds. Investors and traditional financial services have accepted cryptos as a legitimate asset. It’s important for traders to be aware that there are costs to doing so and that some of them are hidden.

These include: taxes, the cost of security, slippage and liquidity, as well as network and trading fees. There are also mistakes made by the crypto holders which could end up being quite costly.  When combined, these could take out a big portion of the profit, especially for traders who make a lot of transfers.

The way to handle the cost is to be aware of it and to plan for the expenses before using the profits.

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","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":148}},{"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":150}},{"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. 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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":"the-hidden-costs-of-owning-crypto"}}}