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It's not about being cheap, and it's not about spending everything you make. It's something in between. If you came from Instagram, the FU Money calculator from the reels is right below. If you're just starting out, the 5 articles after it are the order I'd tackle things in.
Michael Azzolina, CPA, MBA · 15+ years in corporate finance
FU Money calculator
Enter what you spend and what you have invested. See the amount that would let you stop needing a paycheck, and roughly how long it would take to get there. It uses the same 3.5% assumption as the reels.
Run my number →Debt Payoff vs. Invest
Paying down a loan or investing the money: see the gap at your interest rate.
Try it →Compound Interest
See what a monthly amount grows to over time, and what waiting costs.
Try it →Where Should My Next Dollar Go?
Six quick questions that show where you are in the order I use for my own money, and what usually comes next.
Find my next step →Plain language from a CPA. No spam. Unsubscribe any time. Privacy policy.
The One Bank Account Setup Every New Grad Needs
What to open, why to keep accounts separate, and how to automate the flow so saving happens on its own.
You Need More Than 3 Months. Here's Why 1 Year Changes Everything.
The case for a full year of expenses in a high-yield savings account, and the options a bigger cushion buys you.
The Interest Rate That Tells You Whether to Pay Off Debt or Invest
One number decides it: your interest rate versus your expected return.
Index Funds vs. Picking Stocks: What the Data Shows
Why index funds win after fees, and a simple 3-fund portfolio to start with.
401(k) Basics: How the Employer Match Works
How the match works, how much to contribute, and the common mistakes to avoid.