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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

If you’ve seen the movie Talladega Nights starring Will Ferrell, you’ll remember that Ricky Bobby, #1 NASCAR driver, lived by the last thing his father, Reese Bobby, said before walking out on their family: “If you ain’t first, you’re last.” Years later, Ricky and Reese were […] The post First Or Last appeared first on Debts To Riches. ...
Posted: Dec 06 2017 @ 4:13 PM
My former roommate and one of my best friends in university was the textbook example of an overachiever. She would study at all hours, survive on coffee and adrenaline, and exist only in a frazzled, constant state of imposter syndrome. At times I was so worried about her that I’d do her grocery shopping so… The post 90 Is Still An A appeared first on Debts To Riches. ...
Posted: Dec 05 2017 @ 4:14 PM
November was a little slow compared to recent months, and I’ve been mentally preparing myself for that. After a major win in October when I paid off $4,800, it was tough to be back to normal – or slightly lower than normal. It’s all part of the journey though! My lowest month in 2017 is… The post Debt Payoff Report – November 2017 appeared first on Debts To Riches. ...
Posted: Nov 30 2017 @ 4:22 PM
I’m a fan of experiments, particularly ones that test boundaries and challenge complacency. In the past I’ve hit step targets and weight loss milestones (decent), skipped eating meals out for 100 days (manageable), and waited to purchase a new cell phone for a week after the previous one died (torturous). Last November I decided to… The post The Zero Dollar Clothing Year appeared first on Debts To Riches. ...
Posted: Nov 28 2017 @ 6:52 PM
Facing a desperate situation – a six figure student loan debt with no six figure income – I did what many graduates do at first.. I ignored it. I decreased my spending enough to make slightly more than the minimum payments. In some months I relied on the credit card float and then paid it… The post My Heisenberg Moment appeared first on Debts To Riches. ...
Posted: Nov 09 2017 @ 4:11 PM
My emotions surrounding my career are all over the place. Sometimes, I’m proud of my accomplishments and excited for the future. Sometimes, I want to curl up in a ball under my desk and sob until I pass out. Sometimes, I swing between these two polar opposites in the same hour. Writing about financial independence and desiring a shorter career means that I often receive questions like “why don’t you just ...
Posted: Nov 07 2017 @ 8:30 PM
I’ve been looking forward to October for a few months, because some major funds were coming my way. I got a raise last year which was finally added to my salary so I had about a year of retroactive pay on my paycheque. Even after taxes, it was a nice chunk of change! Although I didn’t pay all of this lump sum toward my debt, I was thrilled with the 85% I ...
Posted: Nov 01 2017 @ 8:00 AM
Starting on the path to financial independence (FI) was hard. I had to come face to face with the consequences of my past decisions, including six figures of student loan debt. At the beginning, it was all overwhelming. When I first read about FI, I panic closed the browser and dismissed it as something that only debt free or wealthy or obsessively frugal people could achieve. I was stuck in ...
Posted: Oct 30 2017 @ 2:08 PM
If you’ve ever had a weekday work schedule, you’ll know the barrage of feelings that Sunday brings. You wake up Sunday morning with your heart beating a little harder, your chest constricting a little tighter, and your mind running a little faster. The task list starts to creep back in as the weekend hours wind down. Sunday dread shrinks the weekend to Friday evening and Saturday, a whole 18 waking hours ...
Posted: Oct 29 2017 @ 7:24 PM
Labels are tools that help us make sense of the world, and the links we create between and among us. These defined categories are one of the ways we cultivate belonging, but they’re also one of the ways we promote othering. When we mentally classify individuals or groups as ‘us,’ we automatically create the opposing classification – ‘not one of us.’ We use labels to connect with like-minded people, to ...
Posted: Oct 24 2017 @ 4:58 PM


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