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Debts To Riches
Early Retirement
debt, minimalism, millennial, frugality, investing, budgeting
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Net worth:
Vancouver , British Columbia , Canada
Life stage:
DINK (Dual Income, No Kids)
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Latest Blog Posts

I no longer have any credit card debt. I have an emergency fund. I’m paying down my six figure student loan debt and increasing my net worth at a decent pace. Even though I’ve made massive changes, you would never know it from my thoughts or activities. I still check my accounts multiple times a day. I still have trouble sleeping the night before payday. I still spend the majority of my ...
Posted: Oct 05 2017 @ 4:19 PM
When I started paying back my debt at a faster pace than the absolute minimum that my lenders required, I got really excited about it. In my eagerness I started talking to friends about this radical practice, thinking that they would be grateful for the life changing shift in perspective. These conversations, for the most part, didn’t go as smoothly as I expected. I shared links or stories I’d heard, but there ...
Posted: Sep 28 2017 @ 6:37 PM
If you think your finances are entirely ruled by careful consideration and freewill, riddle me this: Why does consumer research show the exact opposite? Why do marketing budgets show the exact opposite? Why are lenders making serious cash hand over fist? The emotions behind spending are complex, and a shift in technology and communication means that consumers are more informed but also more accessible than ever. Advertisers were quick to identify ...
Posted: Sep 20 2017 @ 4:18 PM
Despite what many personal finance experts will tell you, there is no debt repayment method that fits every situation for every person. The ‘do whatever works best for you’ model isn’t going to sell any books though.. I’m not a personal finance expert, so I’m free to share my honest opinion of the two most common debt repayment methods, the debt avalanche and the debt snowball, and suggest an alternative that ...
Posted: Sep 18 2017 @ 3:22 PM
Any system that works best for you and your partner is valid. The end. Just kidding. I’ve got a LOT more to say about relationships and finance. More on that later, but first.. let’s drag up the dysfunctional money memories from my childhood! I grew up in the typical nuclear family – toxic adherence to rigid gender roles included. My father earned (and controlled) the money, and my mother.. didn’t. The next massive ...
Posted: Sep 11 2017 @ 8:19 PM
Do you know where your money is going, from the time it comes into your life to the time it evaporates into thin air? (A short time, in my case!) I was inspired by Apathy Ends and Budget on a Stick to create a map of my money – where it goes, how it’s spent, and my financial priorities. My money map is relatively simple. I have one salary from my ...
Posted: Sep 08 2017 @ 8:11 PM
I may lose my personal finance membership card for this, but I think math needs to be smacked right off its lofty pedestal. I know the personal finance community is full of optimizers and math evangelists, but please bear with me. You can judge me in the comments later. Math is not the perfect, rational response to every personal finance question. Just because we’re dealing with numerical values doesn’t mean that they ...
Posted: Sep 07 2017 @ 10:26 AM
When you’re in the weeds of a long term goal, like paying off six figures of student loan debt in 5 years or saving enough money to reach financial independence in 15, motivation is EVERYTHING. One of my key motivators is my FIRE (Financial Independence / Retire Early) playlist. There’s nothing like inspirational lyrics and pure swagger to crank up the heat. Here are my favorite songs to keep me on ...
Posted: Sep 05 2017 @ 4:06 PM
The first post I ever wrote for Debts To Riches was Above Average, At Least In Student Loan Debt on July 11, 2017. At the time, I was writing almost entirely for myself and only partially for a vague potential future audience. I had been living my debt free journey online mostly through the Instagram #debtfreecommunity throughout 2017 and found that I couldn’t fully express this process I was going through in ...
Posted: Sep 01 2017 @ 11:29 AM
The rest of the world only has to worry about keeping up with the Joneses – in the FIRE (Financial Independence / Retire Early) community we have the Mustachians. Mr. Money Mustache retired in his thirties after nine years of saving a large portion of his income and investing it in index funds. There are now hundreds of personal finance bloggers who are pursuing or have already reached financial independence, ...
Posted: Aug 28 2017 @ 9:25 PM


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