Welcome to

Retiring by 45!

Money and finance don’t have to suck! Learn how to make and keep more of your money with the R45 blog, some simple tools, and some great resources. Who knows, maybe money can grow on trees for you!

When it comes to money and finance, keeping more than you spend comes down to a few simple things. On my journey to retiring by the age of 45, all of these categories help immensely. Use this site and all the resources to help you on your financial journey!

Constant Learning

Sometimes what you don’t know can hurt you. Don’t worry, R45 can help you learn about all things money & finance!

Making Money

Realistically, we could all use a little extra cash in our accounts. I share proven strategies to help you make more money!

Spending & Saving

Spending & saving money is part of life. Learn more about how to spend & save smart so you keep more of your money!

Planning & Budgeting

Do you know how many dollars are coming in and going out? If not, no worries. I can help with some budgeting tools.

Lately On The Blog

How Do I Pursue Financial Independence?

How Do I Pursue Financial Independence?

Not all that long ago, I stumbled across the FIRE (Financial Independence Retire Early) community. Having always loved numbers, I found myself digging in to all kinds of websites and blogs to learn more about why people pursued FIRE. After starting my own website and...

Why Do I Pursue Financial Independence?

Why Do I Pursue Financial Independence?

Why FIRE?  My passion for numbers started thirty years ago. When I was eight years old, I sat at my grandparent’s kitchen table and would see just how many numbers I could write on one side of a sheet of paper. Staring at one on the upper left, I happily worked for...

Changing Their Future

Changing Their Future

I Wish that someone would have been thinking the very long game for me when I was ten years old. Don't get me wrong, I was well taken care of growing up. I was loved, I had friends, and I was generally a happy child (yeah, yeah, I'll admit to a few rough years but...

Savings Update

Savings Update

Savings Update The first half of the year is already a few months behind us. At the end of last year, I set a goal to save at least 40% of my pay. Once I set a goal, I love nothing more than to hit it. So, here we go on just how things played out for the first half of...

A Real Estate Side Hustle

A Real Estate Side Hustle

For those of you that don’t know, I can’t sit still. I am constantly learning, trying new things, and exploring new ideas. Over the past month, one such idea has settled in a bit better than the rest. That idea is investing in real estate. I know, I know, it’s a big...