Matthew Adair

I’m happy that I delayed financial independence to build the life that I truly want. By house hacking for seven years, I can now clearly see the finish line.

Instead of FIRE, I believe in FIPE: Financial Independence Pivot Early. With FIPE, the goal is not to withdraw, but to pivot to more meaningful work.

My journey to financial freedom began 15 years ago. I’ve learned that the journey to financial freedom for lawyers and professionals does not happen over night.

Have you thought about what it could mean for you and your family if you are good with money? I was recently reminded of why I want to be good with money.

Student loans are just heavy. To help get rid of that weight as efficiently as possible, here are my 10 student loan tips for lawyers and professionals.

When markets are in free fall, it’s important to talk to your people for support. Since time is on my side, I’m holding steady with my investments.

529 plans are a great way to save for college because of the potential triple tax benefits. Learn how to estimate how much to save today to pay for college.

With student loans, don’t let outside factors stop your progress towards financial freedom. Learn the basics about student loans so you can make a plan.

Debt from student loans and financial freedom go hand-in-hand. My wife and I talked about paying off my student loans before marriage. I’m so glad we did.

I prefer using credit cards to earn points and to track my spending, but I am using cash more than ever nowadays because of high credit card processing fees.

Besides credit card reward points, my favorite perk of using credit cards is to help me stay on budget by easily tracking my monthly spending.

Here, we discuss ten credit card tips for lawyers and professionals so you can benefit from the perks of credit cards without suffering from the penalties.

Happiness is tied to the freedom to choose what you do with your life. This is why financial freedom is so important when striving for a happy life.

Using a HELOC to buy investment property is one way real estate investors scale quickly. I’ve used a HELOC to buy investment property three separate times.

Your credit score is important, but it is not worth obsessing over. If you practice strong personal finance habits, your credit score will naturally be high.

Talking to your people is a great way to help make financial decisions, whether you’re replacing a fence or starting a budget.

Your credit report tracks your history with repaying current and former loans. It’s crucial to maintain good credit for a healthy financial life.

Using credit the right way is an important step in a healthy financial life. When used correctly, credit can accelerate your path to financial freedom.

We can learn about personal finance by watching Alone. Not all dollars are created equal, attitude is everything, and family is so important.

Debt Snowball and Debt Avalanche are the two most best strategies to efficiently pay down multiple debts. I prefer Debt Snowball for the faster emotional wins.

Paying off debt takes patience and a plan. Here are my Top 10 strategies for how to pay off debt on a budget as efficiently and painlessly as possible.

Have you ever asked yourself what you would do with financial freedom? Thinking about that question on a beach in 2017 opened my eyes to what truly mattered.

Do you work too much? It’s a simple question that most of us don’t want to answer. Let’s discuss the potential consequences of always working.

There may not be a more polarizing debate in personal finance than the concept of Good Debt vs. Bad Debt. Learn why I believe in the power of Good Debt.

Why you shouldn’t wait on interest rates to buy a home and why I personally wouldn’t hesitate to buy the most expensive home in a neighborhood.

Too many of us are in debt. Looking at my three main theories why people get into debt can help us understand and avoid these common pitfalls.

8 out of 10 of us have some form of debt. That’s why learning to effectively deal with debt is a core personal finance concept.

Parachute Money is a powerful personal finance concept. When you have Parachute Money, you are financially free to control your life, not the other way around.

Talking about money is not taboo. Learn from the personal finance conversations I’m currently having. Including, one empowering chat over cheeseburgers.

I’m flipping the script with personal finance. Talking about money is not taboo. The only thing that’s taboo is avoiding your personal finances.

Get ahead in life by making more money, and spending about the same. Learn how to measure your personal finance progress by tracking your savings rate.

In this week’s Q&A, we discuss how the timing was right to launch Think and Talk Money, why you should consider a side hustle, and what comes next.

Learn how to track your net worth in less than 30 minutes each month. This is the easiest way to measure your progress towards financial independence.

Here, we discuss Capital One’s alleged deceptive practices, rising credit card balances, and how life experiences may impact the amount we save for retirement.

Optimizing your savings is about protecting yourself during emergencies and achieving your short term goals, even if you have debt.

Actively saving money is the first step towards financial independence. Without adequate savings, you risk losing all you have worked for.

Talking about money with your friends is no different than talking about exercise, travel, books, or food. No need to talk numbers, focus on strategy.

To invest, you need available money. To have available money, you need a budget that actually works combined with honest life motivations.

There’s an alternative to tracking every penny. You’ll only track two numbers. It works if you’re honestly dedicated to fueling your life goals.

Think and Talk Money’s motto is “Money Wellness Together.” The more we all talk, the more we all benefit. Ask questions so we can keep the conversation going!

Talking money is really just talking life. I would not trade my Cubs memories for anything. Learn to keep the experiences without the worries.

In Part 3 on budgeting, we’ll take a deep dive into my top 10 strategies for making thoughtful adjustments so we can consistently win the budget game.

In Part 2 of our series on budgeting, we’ll use real numbers to create a Budget After Thinking to better align our spending with our true motivations in life.

In Part 1 of our budgeting series, we aim for planning ahead of time with a budget that stops the disappearing dollar and fuels our ultimate life goals.

You should want to be good with money. Money can give you choices. Money can give you personal power. Money can give you time.

Instead of convincing ourselves that we’re not worried about money, let’s get energized thinking about what money can do for us.

I started a financial freedom blog because I want us to go to our people to talk about money, just as we would talk about anything else.

There are a lot of smart people who need to actively think and talk about money. That’s why I teach personal finance for lawyers and professionals.