Are You Ready to Finally Fix Your Finances - For Good?

Hi, we're Mike & Mollie.

Whether it's paying off debt, making more money, or increasing your savings, we're here to share what we've learned.

As a family of six living off one income, we've had to learn how to live frugally by necessity. What we didn't expect was how much contentment this would lead to.

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Our Recent Blog Posts

10 Key Facts You Should Know Before Investing In Stocks

January 4, 2026

What if the biggest investing mistakes most people make have nothing to do with bad luck or bad timing, but instead come from believing the wrong stories about how markets work? Investing feels complicated because the most important truths are rarely emphasized. Once you understand a few simple facts supported by basic data, the entire…

How To Build a Wealth Snowball

January 3, 2026

Many people dream of becoming financially free, but few understand the quiet power of a growing wealth snowball. This is not about getting rich overnight or striking gold on your first investment. It’s about building momentum, setting up systems, and letting time do what it does best. The wealth snowball is one of the most…

The 5 Types of Retirement and Why Money Is Only Part of the Story

January 2, 2026

Here’s a more uncomfortable question than most retirement advice is willing to ask. What if the version of retirement you are working toward is quietly setting you up for disappointment? We have been told a very clean story for decades. Save enough money, reach the right age, stop working, and happiness will follow. This story…

How to Think Like a Billionaire (Hint: Seek Extreme Upside)

January 1, 2026

What if the biggest difference between ordinary thinking and billionaire thinking has less to do with intelligence or effort and more to do with how people evaluate upside? Most people spend their lives trying to avoid mistakes, therefore optimizing for safety and predictability. Billionaires tend to organize their decisions around opportunities where the upside is…

Top 10 Reasons People Fall Into Major Debt

December 31, 2025

Why do so many people find themselves drowning in debt, often with no easy way out? It’s a painful place to be, and unfortunately, it’s far more common than most people think. Major debt doesn’t usually come from one big mistake. More often, it’s the result of several small, seemingly harmless decisions that pile up…

9 Subtle Signs You Might Be Getting Scammed

December 30, 2025

Here is the revised version of your post with all em dashes removed and replaced with full, clear sentences that maintain the flow and tone of your writing: Have you ever had that sinking feeling in your stomach, where something doesn’t quite add up but you can’t put your finger on it? You’re talking to…

How Not to Get Ripped Off By Large Companies (Learn to Play Defense)

December 28, 2025

Why does it feel like large companies always get the upper hand? Maybe it’s the long contracts with fine print, the hidden fees, or the impossible-to-reach customer service. Maybe it’s that sinking feeling that even if you complain, no one’s really listening. If you’ve ever been frustrated after dealing with a major corporation, you’re not…

9 Times In Life When Money Really Is the Solution to Your Problem

December 27, 2025

Money has a strange reputation. On one hand, it gets blamed for shallow values and misplaced priorities. On the other, it quietly shapes almost every practical decision we make. The most important problems in life are not solved with money. Purpose, meaning, love, faith, and belonging live in a deeper category that no paycheck can…

11 Sources of Side Income That Can Eventually Replace Your Day Job

December 26, 2025

Most people are not stuck because they lack options. They are stuck because they keep waiting for a better list. When people see an article like this, the first reaction is usually dismissal. They skim the headlines, think they have seen all of these ideas before, and quietly conclude that none of them apply to…

8 Ways to Become More Selfless and Generous as a Person

December 25, 2025

Why is it that so many people claim they want to be more generous, yet year after year they stay exactly as self focused as before? Here is the uncomfortable truth. Most people do not fail at becoming more selfless because they are incapable of change. They fail because their desire is vague. Wanting to…

How to Build a $1 Million Net Worth in Just 7 Years

December 24, 2025

Is it really possible to build a $1 million net worth in just seven years? It is—but let me be clear up front: this is not a casual goal. You’ll need to be aggressive with your savings. Your investments will have to perform reasonably well. And you’ll probably need to make lifestyle changes that feel…

10 New Money Rules for the New Year

December 23, 2025

Are you heading into the new year with the same old money habits? It might be time for a reset. Every January brings a fresh chance to evaluate how we’re spending, saving, and thinking about money. And with the economy always shifting, it helps to update your approach every now and then. Here are 10…