There's levels to adulting and someone lost the instruction book, but we got you! This week Rich and I talk about the steps we followed in pursuit of financial independence. You'll hear how even simple changes in your day-to-day routine can lead to huge financial wins in the year-to-year. Plus, hear a quick four-step way to estimate your your own financial independence number. Like always, we keeps it fun, informative and simple. On this episode we cover:

• What we've learned and applied that allowed us to Level Up on our own personal financial game
• Three steps you can apply immediately to jump-start your own journey towards financial independence
• The order you should apply when budgeting, managing your debt (school loans versus credit cards), and retirement planning
• Boss Level: The Big Payback - estimate when your early investments in time and work will start to return multiple or residual income streams

References Mentioned in this Show

• Get Your Free Credit Report: AnnualCreditReport.com
• CreditKarma.com
• Credit Card Calculators by BankRate
• JPMorgan Chase: An Extra $10 a Month Could Save You 11 Years Worth of Debt Payments
• PB87: Your Money Mindset Matters ft. J.D. Roth
• PB73: Mastering Financial Independence and Student Loans with Robert Farrington

Announcements

• Marcus joins Financial Independence hosts, Gwen @fierymillennial and J @millennialboss on the Fire Drill Podcast to discuss Putting the Personal in Personal Finance. Check it out!

Thank You for the Support

• Exclusively for our email subscribers, we created a free guide: The 15 Minute Paychecks & Balances Money Plan: Your Guide to Financial Freedom. This tool includes “15-minute” plans for creating a budget, starting your debt freedom plan, and finding your FIRE number. Sign-up to get your guide today and see why just 15-minutes can change the next 15 years of your life.
• We’ve partnered with NerdWallet for all your personal finance needs at PaychecksAndBalances.com/Tools
• Looking for more free career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps.