A 401k is a powerful tool for reaching financial independence. But there is a decision to make. Should we invest our 401ks using pre-tax dollars or using a Roth 401k? It’s kinda like betting on horses. [Read more…] about The 401k Race: How We Placed Our Bet
Financial Independence
Progress Update 5: The Green is Back, HSAs & Dying Trees
Hello May! Happy to see you. Spring has FINALLY Sprung! With the beginning of the growing season upon us has our net worth began to grow again? After a couple down months let’s take a look:
[Read more…] about Progress Update 5: The Green is Back, HSAs & Dying Trees
The Great Financial Migration Part II
Back in March, we decided to bite the bullet and transfer our investments from Edward Jones to Vanguard. You can read Part I of this adventure HERE. At the time of that post, we had just initiated the transfers. I wanted to give an update on where things stand and what my thoughts are on the process. [Read more…] about The Great Financial Migration Part II
Making Dough to Save Dough
A key to living a great life and reaching Financial Independence (FI) is to find the activities that truly make you happy and make them priorities. The purpose of this article to to focus on one activity that I am passionate about:
Making Pizza
The Most Important Trait: Taking Ownership
Life Can Be Grand Living in the Heartland

If you’ve read the About this Blog page you know that the Heartland on FIRE crew lives near St. Louis, MO. Smack dab in the middle of America’s Heartland… a place that many call “Flyover Country”.
Now at first blush, the Heartland doesn’t offer ocean views, rocky mountains, the trendiest restaurants or shopping, or the highest paying jobs in country. It’s also true that the weather tends to be bipolar (super hot and humid in one moment and bitterly cold the next). As I am writing this the temperature has dropped from the mid 60s down into the 20s! What the hell? So, it’s understandable why many think the way they do.
However, for those of us on the path to FI, you may find that Heartland living can be a secret weapon to achieving FI significantly sooner.
[Read more…] about Life Can Be Grand Living in the Heartland
