My personal finance philosophy revolves around eliminating my emergency fund, which I see as income insurance, a form of leverage, and a measure of my financial risk. My guiding principles are:
Cash flow > Net Worth
Debt-free > Leverage
Owning My Income > Renting My Income
In my FIRE posts, I reframe my bills' value in terms of invested assets. I’ll share my journey of reducing reliance on my emergency fund and building income-producing assets to systematically achieve financial security—all while using my free template to tackle one bill at a time.
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