8 Things I Still Spend My Money On as a Millennial Girl on FIRE

The FI/RE community honestly gets a bad rap for being ultra-frugal, extremely thrifty, and a bit miserly for their spending habits, whether it's living out of a van or eating oatmeal for breakfast every single day. I'm here as a girl on FI/RE to show you that you don't have to live a life like that. There's a balance.

During this journey to financial independence, you should enjoy your life and live a life that is beautiful and meaningful to you. Spend on things that you truly believe in spending on. You can spend almost lavishly on things that bring you a lot of joy and you find meaningful to yourself.

So I wanted to talk to you guys today about the eight things that I still spend money on, even though I'm on my journey to early retirement and planning on retiring early at 35. I don't live a life of deprivation. I feel they don't, Brisbane who believes in being financially well and a part of that means spending money on things you truly love and care about.

1. I splurge a fancy gym membership

Something I prioritize is my health. The very first thing I spend money on is the gym. And not just any gym, I actually have an Equinox membership. Although since we're not able to work out in person, I put my membership on pause because what's the point of paying $200+ a month if I'm not able to go to the gym.

Under normal circumstances, I very much value spending on a nice luxury gym. The one I went to in Los Angeles has a saltwater lap pool. I love doing 30 minute swimming sessions. Plus they have great yoga classes and most importantly why I actually signed up, they have ballet classes at this gym.

I did ballet growing up and doing ballet now is something that gets me to move my body, but doesn't feel like exercise. It's great cardio when you're moving and jumping across the room, but you don’t think it’s a work out, it’s just dancing. I love that mind-trickery!

Not only that, but they have great yoga classes, sound baths, and meditations. Honestly, the steam rooms and saunas alone are worth it. And yes, those eucalyptus towels live up to the hype. 

Again, it was about $200 a month—a slight discount through my work. Ultimately it keeps you in good shape and better health. Spending on things that will get me to move my body is worth it.  

If you love running, I cannot stand it, but if you like those activities that are free, like, basketball or soccer or just do an at home Pilates workout, that is great for you. However, it's not what works for me. Spending money on a gym membership is 100% worth it. 

2. I splurge on going out to eat

The next thing I always will spend money on is when a friend hangs out and asks to go out to eat. I'm always so down. I LOVE good food. LA has some of the best, most diverse, authentic food in a 10 mile radius.  I'm always willing to go out to dinner with friends.

If I’m alone, I really try to not eat out. I don't typically pick up food for myself. Eating and dining out is more of an experience that I'm able to share with friends, share a meal with friends and try the delicious food in the city.

It's important to recognize if dining out is a crutch because you don't want to cook your food at home or is it an experience? Is it a meaningful time you are getting together with friends or is there an underlying issue with eating food at home?

Coffee also falls under this same category. I don't usually get coffee on myself unless I have a gift card or if a friend wants to meet up. Honestly, my cold brew and Oatly are as delicious as a latte out! However, hanging out with friends and having a shared experience over a meal is always worth it to me.

3. I still splurge on a new car

Something that is a shocker and goes against so many FIRE “rules” is getting a brand new car, straight from the dealership car.

I have had 3 cars in my life. Two were used CR-Vs—one was my dad's and the second was my uncle's. When it was finally time for me to buy a car on my own and hand down my old CR-V to my little sister, I got a brand new one.

I've had friends who have bought second hand and it turned out that their cars were lemons. They had undisclosed accidents and missing parts even though it was certified pre-owned. Because of that, I'm hesitant to get a car from people I don’t know directly. I'm not opposed to getting second hand cars, but for me personally, when buying a car for myself, I chose to buy a new.

4. I splurge on brand name clothing

The next thing that I'm willing to spend money on is brand name clothing. The association with people on FIRE is that they dress poorly and don’t buy nice designer pieces. No, it’s not that I don't buy designer, I just don’t pay the full marked up price. I wear a lot of designer clothes and brand name clothes, I just get them secondhand. That’s the difference!

I'm willing to spend on quality secondhand pieces which is good from a financial perspective, but also from a minimalist and sustainability perspective. I want to reduce my carbon footprint and that is something that aligns with my values.

It's not that I'm not willing to spend money, I'm just not willing to spend money on new things that are perfectly fine secondhand. And I actually love going thrifting—it’s the thrill of the hunt. I got a Chloe jacket for $80 and I've gotten some other really good funds for much, much less than what they're worth.

5. I splurge on nice vacations

The next thing that I loved spending on is travel. It's been a year of being stuck inside, so I haven't done any major traveling lately. But the last trip I went on was to Japan and my gosh, we balled out. We ate lavishly, dropped hundreds on nice omakase style dinners and tried cocktails at every town we stayed in. We stayed at a really nice ryokan in Hakone. It was a magical experience. It was so serene, so beautiful. 

The ryokan (Yamanochaya) we stayed at was in the woods. From areas around the lake you could see Mount Fuji in the background. (Although it was cloudy then when we went, so we actually didn't see it, but theoretically, you could.) And we had our own private, hot spring onsen inside our room. They served kaiseki meals, which is like omakase, but with more seasonal dishes. It was so beautiful and delicious. I loved the whole experience. 

When it comes to travel, it's like, when are you going back to this place next? Those experiences are worth paying for in that moment. When I travel, I try to not think about the expenses and just enjoy those moments. It’s important to build those memories, take those photos and have those experiences that I will carry with me for the rest of my life. 

6. I splurge on my hobbies

The next thing that I spend money on is this hobby of mine. This is truly a passion project and hobby of mine that I have so much fun doing, and I want to grow it and make it bigger and better.

So far, I’ve spent about $500, between my website, SEO optimization tools, and my YouTube gear. I use my iPhone 12 Pro to film, but I have a microphone, LED light, and things like that. It's definitely something I'm willing to spend money on because I love doing it. 

I'm always willing to spend money on my hobbies that I truly enjoy. Whether it's hair bow making at the time or doing this YouTube. 

7. I splurge on books

This goes hand in hand with spending on my hobbies. I'm very willing to spend money on books and education. In some sense, it's an investment in myself. Reading truly takes you to a new world! It's almost like a cheap vacation. It allows you to experience and empathize with characters or people who are outside of your little world. 

Fiction books are great for that, but non-fiction expands your mind too. I love reading books about personal finance (obviously) and psychology. It all relates back to becoming a better person and that is absolutely always worth spending on. 

For some reason, this does not translate for me to e-courses as much. Between Google and YouTube, those are such great resources for learning how to do basically anything. I haven't ever spent any money on e-courses, but let me know in the comments below, if you have and if you thought it was worth it.

For me, it's really hard to trust whether or not paying a person thousands of dollars is really going to teach me how to grow my YouTube channel better than just watching videos on the subject for free. This is why I put out all of my educational content for free and don’t have people buy any of this FI/RE finance information. I learned from the internet and you can too. That's my philosophy. Books, I'm a 100% willing to spend on. “Educational” e-courses I'm on the fence about—not going to lie. That's my personal opinion. 

8. I splurge on celebrations

Lastly, I always spend money on celebrating the wins. I'm a huge believer in,  making life a party. I took myself out to an omakase dinner last night because my contract got extended and I wasn’t sure if it was going to be. Last minute they were like, yeah, you got extended. You're doing such a great job!

That was such a big win for me. It means I can max out my 401k for the year. So I went out to celebrate and for me, celebrating can be something as simple as that. Honestly I think those wins are not celebrated enough, but when it's my birthday, I always celebrate another year of life! I will spend lavishly on hosting a party for my friends and the people that I care about because they are on this exciting journey of life with me. 

When I retire early, I'm going to throw a giant party and YOU are invited. I want to have an awesome retirement party because that will be such a huge accomplishment to be financially independent! I’m so excited to celebrate this milestone.

Getting married I don't think is really a huge accomplishment anymore, but I do want to celebrate moments in life that are really meaningful. That will probably mean me spending on a wedding because it’s in line with who I am and what I value.

Even if other finance people say, well, that $30,000 could turn into $1 million dollars by the time you're 85, I’ll still probably do it. Yes, it could. But also it’s important to spend on things that align with your values now. It’s important not to look at it as a tradeoff if it’s something you truly love and care about and if it's something you can afford.

Thoughts & Reflections

These are the 8 things I'm willing to spend money on. It’s important to start thinking about how what you spend on aligns to your own values. That is the key to becoming really intentional with your spending. Check out my blog on value-based spending if you need more clarity into what you find meaningful to spend money on.

If you are also on your journey to FI/RE, let me know what you still splurge on in the comments below! I think it’s important to talk about and show others that it's okay to spend money on things you love and care about. And if you’re not already subscribed, be sure to subscribe to my YouTube channel below so we can spread the FIRE.

Let's retire early together!

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Disclosure: Some links are affiliate links, meaning, at no additional cost to you, I may earn some compensation. All opinions are 100% my own! I truly appreciate you and your support. :)

FI/RE Diaries: A teacher living in South Texas and FI/RE-ing by 50 with $1M

Occupation: I am a teacher looking to pivot into a different career

Industry: Education

Location: South Texas

Salary: $50k/year

FI/RE Number: $1M (or less)

Years Until FI/RE: My goal is to reach this by the time I am 50

Current financial situation: SINK. I have about $11,000 in debt. This includes student loans as well. I used to pay minimum on my credit cards not realizing how much interest was adding up.

Ethnicity: Hispanic/Latinx

How did you first hear about FI/RE?

I first heard about FIRE through Yo Quiero Dinero Podcast

Why do you want to reach Financial Independence/Retire Early?

I want work to be optional and be able to travel any time of the year. I also want to help out my family financially.

What does FI/RE mean to you?

FI/RE means the option to work or not. I have had jobs the left me mentally and emotionally exhausted. Working until 65 for someone else is not a way to live. My life would change by having more freedom to live my most authentic life.

How much do you spend per month? Save per month?

I spend about $2,400 per month and save $400/month.

Are you doing anything to achieve FI/RE faster? If yes, what?

I’m cutting spending, budgeting, minimalism, learning new skills to increase my income either through side hustles or a new job.

Any advice you'd give to someone who has a similar FI/RE lifestyle as you, especially if it seemed hard or unattainable?

I would say to look for ways to increase income while minimizing how much you spend per month. Making a solid plan and making connections with others in this community also helps.

Favorite FI/RE resources you’d like to share?

Our Rich Journey

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Disclosure: Some links are affiliate links, meaning, at no additional cost to you, I may earn some compensation. All opinions are 100% my own! I truly appreciate you and your support. :)

How to Retire Early: Track your expenses, calculate your savings rate, and cut back spending

Spend on what you love and forget about the rest! Today we’re talking all about tracking your spending and understanding how you spend your money. 

If you haven't seen my post on what to do to start your journey to FIRE and really solidify what your dream retirement life looks, be sure to go check out my last post before diving into the numbers. Once you do that let's talk.

Track your spending

I started my journey to FIRE in December of 2019 after I read Mr. Money Mustache's blog. Prior to that I had no idea what my money was doing, how much I was making, and how much I was spending every single month. If you have an app like Mint or YNAB (You Need a Budget), then you probably already know the ballpark of what you make and what you spend every month. That is great, you can skip ahead and calculate your savings rate.

However if you're like me and you had no idea where to start I have a free downloadable template for you to start tracking your money and it's really, really simple. I bucket my money into income, savings, and expenses so you know what is coming in and what is going out. It’s important to track your spending for ~3 months to get an accurate look into how much money you're spending per month.

This will give you a more accurate number when calculating your savings rate. So if you don't know where to start, go make a copy of my free spreadsheet that I still use to this day to use to track my money. I don't look at it too frequently, I try and only go in to capture all of my expenses once a week. I’ll go back into my credit cards and look at all my different statements and capture what I did so I'm not obsessively checking my spreadsheet. 

Once the FIRE is lit underneath you it's really easy to get lost in the spreadsheets and become so absorbed with them. I will be honest, that was me in early 2020. I was obsessed. It's taken a while to stop that habit and is still work in progress to becoming more chill about it. I get it, it’s so exciting once you find FIRE, but I really try to only open my spreadsheet once a week and do a weekly money date with yourself.

Calculate your savings rate

Once you have your system of tracking your money set up, you can calculate your savings rate. Savings rate is your income minus your expenses divided by your income, i.e. your savings divided by your income.

Say for example my income is $7,000  and I am spending $2,000 between rent, utilities, all of my bills, and shopping. So that would be $7,000 - $2,000 = $5,000. So $5,000 of savings divided by $7,000 = 0.71. Then multiply that times 100 to turn that into a percent.  So you would be at a 71% savings rate. 

Then using this graph by Mr. Money Mustache, you will be able to estimate when you are able to retire. Based on the simple math above with a 70% savings rate, I would be able to retire in approximately 8.5 years, which is amazing! 

The math is as Mr. Money Mustache says, “shockingly simple,” and I agree it is shockingly simple, but there are a bit more nuances and things that are subject to change. I will get into that later. It's just exciting to know about how long it may take you to retire early.

Cut back spending

Now that you know your average savings rate, it’s time to evaluate spending. I go through an exercise of value-based spending. Since you’ve tracked your money for at least 3 months, you’re now able to see categories that are really high in spending and where you can cut back on.

It is important to go through a value-based spending exercise to see where you can cut back and this is the exciting part to see where you can save even more money to ultimately lower your costs and expenses for good and reach early retirement even faster. 

As an example, I love coffee. I love a good latte. I'm really on a Starbucks honey oat milk latte kick right now. However I really do not get coffee just to get coffee. I have my Oatly oat milk at home and I have my Trader Joe's instant cold brew powder that I really love. Honestly, for an everyday thing, it makes a delicious drink. I never mindlessly go get a fancy overpriced latte. 

For me it's when my friends want to meet up and grab a drink, then I will of course go get coffee with them. I'm sharing time with them and it's less about the latte, it's more about the experience of being with another person. Or if I'm going on a long walk by  myself, my Starbucks is half a mile away, then I can go sit in the park and journal. That is a very intentional act of going to go get a Starbucks latte.

Although I do also have my video on how to stop shopping which was really helpful for me to actually before I even began my FIRE journey reevaluate all of my spending but I'm not saying you have to scrimp. You don't have to live like you're back in college eating Top Ramen, I mean unless you enjoy that, which TBH I do. When I say to evaluate your spending, I really don't mean to cut back on everything.

Spend on what you love.

You can take yourself out to sushi to celebrate your wins, if that all aligns with your core values. I'm all about celebrating wins and not depriving myself of that. Life is meant to be lived. It is a whole journey and you want to look back at your life and have enjoyed that time. Becoming financially independent won’t suddenly change your happiness. You need to learn to be happy and find happiness on the journey. 

Figuring out what you love spending on will ultimately help you increase your savings rate and even retire early. If you cut out the things that you don't love and spend on things you do, it will bring down the price you need to become financially independent.

Start tracking your monthly spending, if you’re not already, and figure out your expenses. Keep track of all of your money—know where it’s going and what it's doing. Then calculate your savings rate. Get excited about finding out when you can retire early! 

If you’re also on your journey to financial freedom, go figure out your average savings rate and leave it in the comments below! And keep spreading the FIRE so we get other people turned onto the idea of early retirement.

Subscribe to my Youtube channel by clicking the button below and hit the notification bell to get notified when my next video drops. 

Let's retire early together!

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Disclosure: Some links are affiliate links, meaning, at no additional cost to you, I may earn some compensation. All opinions are 100% my own! I truly appreciate you and your support. :)

FI/RE Diaries: A self employed textile designer and licensing artist living in Florida and FI/RE-ing in 3 years with $2.5m

Occupation: Self employed textile designer/ licensing artist

Industry: Self employed artist selling online

Location: Florida

Salary: $350k/yr

FI/RE Number: 2.5 mil + for family of 4

Years Until FI/RE: 3-4 more years

Current financial situation: Single income 2 kids. Husband and I had combined $275,000 college debt paid off 3 years ago

Ethnicity: White

How did you first hear about FI/RE?

Mr. Money Mustache blog

Why do you want to reach Financial Independence/Retire Early?

Freedom to do what I want.

What does FI/RE mean to you?

Spending more time with kids!

How much do you spend per month?

$4,000 with $1,500 being for health insurance

What is your % savings rate?

70% ish

Are you doing anything to achieve FI/RE faster?

• 1 car household

• 1 tv subscription at a time

• No Amazon Prime

• Selling kids clothes/toys online

• Buy second hand toys that have good resale value

• Cloth diapers

• Regular no spend months - husband and I will do a no spend year

Any advice you'd give to someone who has a similar FI/RE lifestyle as you, especially if it seemed hard or unattainable?

I’m an artist with multiple pointless arts degrees. You can take side hustles like Etsy/blogging and make them into full time work if you want to. It’s hard work but it’s achievable. I didn’t find FI/RE until I was 30 and had 6 figures in college loan debt and no job prospects. My parents have both been bankrupt. My parents are divorced while my father struggles to live on social security and won’t accept help, and mother doesn’t think she’ll ever retire. I know that I may have to support them in the future, but this isn’t a burden I want to put on my kids. My point is that everyone’s story is different, and you don’t have to have fancy degrees and no college debt to get FI/RE. Mindset is everything, you can do this if you believe you can.

Favorite FI/RE resources you’d like to share?

I like the fire Instagram community because it keeps me motivated

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Disclosure: Some links are affiliate links, meaning, at no additional cost to you, I may earn some compensation. All opinions are 100% my own! I truly appreciate you and your support. :)

What I Spent In February 2021

I wanted to give you a peek inside my actual spending. I love looking at other people’s budgets, but I've always felt I can't do that because if you haven't seen my article yet, I do not budget.

Instead, I’m very precise about tracking all of my cash flow. I don't have actual dollar amounts that I allocate to categories or give every dollar a job like many others usually do. So I’m testing out showing you what I spent in a month and all of the totals, instead of doing a budget with me at the beginning of the month.

We’ll see how this goes…

Income

Let's dive a little bit deeper into my actual February numbers.

💰 Paycheck: $7061.76

This is my regular nine to five job. I work as a visual designer in tech making over six figures. It was a long, long journey to make six figures. I've been working for eight years now and you can check out my salary timeline to see how much I earned straight out of college. I’ve negotiated my way up, up, up. I take home about $7,000 a month.

This month is a little bit weird and it will be weird into March because I'm front loading my 401k. I’m putting 75% of each paycheck towards contributing the maximum $19,500 you can put in a 401k. I personally prefer to spend more time in the market rather than timing the market or dollar cost averaging. Personal finance is personal and this is how I’m doing it.

Note: Check with your HR benefits specialists to understand how they match your 401k, if you get a 401k match. I get a one time annual true up, so at the end of the year I’ll be matched the entire 1% in contributions even though I front loaded it. If you get matched per paycheck, you may miss out on some money and I don’t recommend that.

What’s nice is that even though I’m just a contractor at a tech company, my temp agency, Aquent, provides great benefits. I have healthcare, a 401k, and a small itty-bitty 1% match. (Hey, a match is still a match!) They're awesome if you're trying to get into tech. I’ll happily to refer you if you’re trying to break into tech because they really do take care of you. Just send me an email!

My first paycheck in February, I was getting ~$100 into my direct deposit. Then for the last three (I get paid weekly), my tax withholdings went way up. With my 401k contributions at 75%, I got $0 in my checking account. I emailed HR to ask about that, so we’ll see what’s up 🤨.

Another note: I count my 401k and my 401k match as income even though it's pre-tax because it's still money that I will use to FIRE. My income in my money tracker is a little bit of pre-tax and post-tax AND I don’t count my taxes as an “expense.” I don't know if that's right or not…probably not, but it’s what I do and it works for me. (Leave a comment below if you think I should be doing something else. and why!) 

Anyway, so that my income $7061.76 for my paycheck. 

👗 Resale: $0

I didn’t sell anything on Poshmark this month…actually I shipped something, but the direct deposit hasn't hit.

🎨 Freelance: $0

I'm not doing any freelance work in 2021 because it was too stress-inducing last year. I'm just wrapping up one job. It's hard to turn down money when you're trying to pursue financial independence. To be honest, if something comes along that I really can't say no to because they're going to pay me a lot of money, the door is still cracked open for that.

💵 Cash back: $158.49

This money was from my quarterly Rakuten check. (If you don’t have Rakuten, you HAVE TO sign up. Basically it’s free money if you’re already shopping. Here’s my link for a free $20.) Plus somehow I overpaid on my car insurance, so I got a rebate check in the mail. I also have the Citi double cash back card and had $31 from there. Lots of cash back this month. 

📈 Interest: $3.81

I keep my 6 month emergency fund in Ally high yield savings account because I like how they have the buckets to compartmentalize your savings even though it's one account. I don't churn high yield savings accounts chasing after the best APY or rewards. It's so much effort and just another form I have to file during tax time. It’s not worth the hassle to me.

🎁 Gifts: $0

🤑 Dividends: $0

🍯 Millennial Money Honey: $19

Those earnings are all from my Etsy shop. It’s baby side hustle money for MMH, but big things are coming in the future! I have some cool collabs in the pipeline.

Expenses

For some context, I know you're probably not new here, but in case you somehow landed on this article and you are, hey, what's up!? Go subscribe to my Youtube channel 🙃. I live at home with my parents. Mom and Dad don’t make me pay rent or utilities. I love and appreciate them SO much! It's been really great and I 💯 recommend living at home if you get along with your parents. Plus we couldn't go anywhere anyway right now, so might as well hang out with fam.

So that being said, yeah, I don't pay anything in housing or utilities. 

🏡 Rent: $0

⚡️ Utilities: $0

🚖 Transportation: $16.50

I paid for a lot more parking since I was down in LA this month. I also put Uber type expenses in this category, but there’s been none of that.

🥦 Groceries: $145.54

Again since I was in LA, I've been spending a bit more on groceries. It’s not a crazy amount, but definitely higher than when I’m at home with parents.

🍽 Food: $206.39

I also don’t really spend that kind of money on food at home…not that you’d have any gauge of what is relatively normal 😜 since this is new. Coffee also falls under the food category. I keep my category general because I don't want to be too granular. Eating out is eating out, whether it's coffee or food.

🍹 Drinks: $0

👩‍💻 Work: $80.18
Hmmm not sure what I spent on that made this category so high. Cloud storage was normal. Bonsai, the best freelancing software, was normal. It puts together contracts, has templates for project proposals, and makes invoice for clients very easy to pay. Bonsai makes me look so professional (read: EXPENSIVE). I highly recommend checking out Bonsai if you're a designer or any type of solo entrepreneur.

Ohhhhh, my b. I forgot about this expense. TubeBuddy, which I talked about in my money diary, What I Spent in a Week in LA, was a big expense. TubeBuddy helps optimize YouTube SEO, write better titles, and figure out what people are searching for on YouTube. I'm hoping it pays off and drives growth to my channel and even this blog.

TubeBuddy was $43.20, making it the majority of my work spending. It typically usually that high. If you have under 1,000 subscribers it’s 50% off instead of the regular $80.40, so check it out TubeBuddy if you’re a small Youtuber interested in growing your channel too.

🍿 Entertainment: $0

✈️ Travel: $0

🚙 Car: $59.19

That's all gas ⛽️. So expensive in California!

🏥 Health: $0

🛍 Shopping: $26.97

I also breakdown this shopping in my money diary, What I Spent in a Week in LA. Although I returned one of the eyeshadows I bought, so there’s a small discrepancy.

💝 Gifts: $39.30

Again check out my money diary from this month. I bought my friend a plant 🪴 and some other stuff as presents. I spend generously on people I love and don't think about it too much. Presents, donating, and meeting up with friends over food/coffee are things I don’t eye too closely.

❓Miscellaneous: $0

Savings

You can see basically all of my money went into savings.

👵 401K: $6,818.12

I will max my 401k out towards the end of March and as a result I did not contribute to anything else.

🏦 Savings: $0

💰IRA: $0

📈 Brokerage: $0

💵 SEP IRA: $0

🏥 HSA: $0

I don't actually have an HSA this year 😭. I don't qualify for one, which really sucks.

💸 Checking: $425

Checking is my income minus the rest of my savings accounts. I don’t have a separate category for that under my savings column in my money tracking spreadsheet.

Monthly Totals

🤑 Income: $7,1243.14

💸Expenses: $574.07

📊 Savings Rate: 92%

My savings rate this year, I'm going to be transparent, will probably be in the 90% range since I’m living at home and my expenses are so low.

I want to give you a true look at my spending, not to brag, but to show you what I’m honestly doing. There are so many other people who are on FI/RE too, I’m just one data point, so don’t let comparison be the thief of joy. You can check out other people’s FI/RE diaries on my blog to read about what other people are doing to achieve FIRE. There are many levels of income, locations and FI/RE numbers!

But being honest, 2021 is going to be a little bit of crazy savings rate for me. It won’t will always be this way. I’m not living at home forever! I'm retiring at 35, so we’ve got another five years to go. This journey is not over yet and I hope you stick around for it!

Let me know if you like this type of content—what I spent in a month series. I love seeing them myself! And if you're on your journey to retire early, leave a comment below and tell me what your savings rate was for February.

Don’t forget to subscribe to my Youtube channel below, it would means so much to me, plus it’s FREE and easy to do.

Let's retire early together!

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Disclosure: Some links are affiliate links, meaning, at no additional cost to you, I may earn some compensation. All opinions are 100% my own! I truly appreciate you and your support. :)