Track your progress to financial independence in the FI Laboratory!

30% Higher Net Worth in Just One Year


I’ve been looking forward to writing this article for a long time. As you know, we’ve been running a little experiment here to see how all the strategies I write about can actually impact someone’s journey to financial independence. The Guinea Pig experiment follows two people with identical incomes and identical spending on their journey to financial independence, using real-time…

After-Tax Contributions and a Surprise Gift from the IRS


Isn’t the IRS great? Most people imagine the people at the IRS as stuffy, grey-suited, money-grubbing villains but I see things differently. I imagine a bunch of sexy, lab-coated fientists cooking up interesting ways to help us retire even earlier. Since they are like us, they understand the enjoyment we get out of solving complex problems and they cater to…