Heartland on FIRE

Blazing a Trail Towards Financial Independence

Blazing a Trail Towards Financial Independence

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Beacons of FIRE: How High Earners Can Help Spread FIRE from the Top Down

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The Financial Independence Retire Early (FIRE) movement is geared towards anyone, no matter where they fall along the income spectrum. The tips, tricks and hacks central to the movement can have remarkable impacts for six figure bread winners and minimum wage earners alike.

However, high earners who demonstrate FIRE principles can have wide-spread influence. It’s important for these individuals to be shining examples… to be Beacons of the FIRE movement.

So let’s explore the potential impacts that can be made by high earners seeking FIRE.

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Net Worth Update 14: Polar Vortex Edition

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January was a month of lows… like REALLY low. Windchills of negative 20 to 30 degrees below zero canceled classes and work for many around these parts. So, with temperatures colder than Arendelle taking hold, did the arctic air freeze our net worth?

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Our 2018 Scorecard and 2019 Personal Finance Goals

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It’s a new year and that means new resolutions, right? Last January I set some personal finance goals for our household. I wanted to take a moment and look back at the past year. Did we meet our goals for the year? Did we bomb in epic fashion? My grading system is simple PASS or FAIL. Read on for the results! [Read more…] about Our 2018 Scorecard and 2019 Personal Finance Goals

Living Below your Means: What Does it REALLY Mean?

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We recently had a conversation with another couple. During the discussion they mentioned that they only contributed enough to their 401k accounts to get their employer match. They maintain that they do not earn enough to max out their 401k contributions. Now that sounds like a fairly typical argument; however, from past conversations we learned this couple has an annual income over $250,000 per year! How crazy is that!

Maxing out 401k contributions would amount to less than 15% of this couple’s income. This conversation really underscored the point: Most of Us Do Not Live Below Our Means

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Company Christmas Club: Is It Worth It?

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An email circulated through my office the other day.  It read: “Christmas Club contributions will be included on the next pay period.”  The email then reminded everyone that enrollment into next year’s Christmas Club had just opened up.  

It got me to thinking… is the Christmas Club worth it?

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