What FIRERANT Thinks About Debt
Debt is not a failure.
It’s a math problem with an end date.
Clarity removes shame.
Plans create relief.
Which Expenses Are Worth Keeping (Even in FIRE)
FIRE isn’t about spending nothing.
It’s about spending deliberately.
Some expenses earn their place — even on the path to early retirement.
The First 10 Expenses Every FIRE Household Eliminates
Most FIRE progress comes from subtraction.
Remove what doesn’t serve you — and watch your options multiply.
The $1,000 Expense Audit (Do This Once)
You don’t need extreme frugality.
You need clarity.
Do the audit once.
Let it work for you for decades.
How to Minimize Expenses (Without Feeling Deprived)
Cutting expenses isn’t about suffering.
It’s about removing what doesn’t matter so what does can breathe.
Here’s how to do it intelligently.
Time Is the Real Currency
Money gets the attention.
Time gets the bill.
Every financial decision is ultimately a trade between the two.
Spend on What Truly Matters
You’re not trying to be the cheapest version of yourself.
You’re trying to be the freest.
Spend boldly on what matters — and unapologetically ignore the rest.
How to Avoid Lifestyle Creep
You don’t win by earning more.
You win by needing less.
Lifestyle creep is optional — freedom is not.
The Power of Saying No
You don’t owe the world access to your time, money, or energy.
Saying no is how you protect the life you’re building.