Heartland on FIRE

Blazing a Trail Towards Financial Independence

Blazing a Trail Towards Financial Independence

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Financial Independence

Our 2019 Personal Finance Scorecard and 2020 Money Goals

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If it’s January, then it must be time to check on our previous year’s savings goals and set new ones. There was a lot going on last year. Through it all did we remain on target or did we miss the mark?

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How We are Teaching Our Kids to Be the Millionaires Next Door

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Financial responsibility is a trait that can be taught from an early age. Setting positive examples is critical to help your children begin to develop a mindset of financial responsibility that can set them up for life.

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Walk it Off

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Hi, my name is Mr. Heartland on FIRE, and I love long walks on the beach. Pretty corny, I know…. But seriously. I love walking. The beach is preferred, but totally optional.

Lifestyle optimization is a powerful tool on the path to Financial Independence (FI) . It means to focus your life’s resources (time, money, etc.) doing things you love, while trying to cut out those things you don’t.

For me, walking is one of the activities I’ve been working to incorporate more of into my life. Let me tell you why.

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Pay Off Low Interest Debt? Why We Defy Common Wisdom

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We just refinanced our house into a 15-year mortgage. We will be paying off our car loan early. The mortgage was 4% (now 3%) and the car is 2% interest. The math says that it’s usually better to invest your money than to pay off low interest loans. So what the hell are we doing?

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