I’m B.J. I’ve spent years thinking about and modeling financial independence—trying to understand not just what works, but what’s actually worth it.
What The FI Equation Is
Most people think financial independence (FI) is a number.
Save enough. Reach that number. You’re done.
But that’s not how it actually works.
Financial independence is shaped by a set of inputs—spending, time, income, and the choices you make along the way. Change one, and the outcome changes.
The FI Equation is a way of thinking about those inputs more clearly.
What You’ll Find Here
This isn’t about following a rigid path or optimizing a single number.
It’s about thinking more clearly about financial independence—and the trade-offs that shape it.
Some posts will break down parts of the equation. Others will step back—questioning common advice, reacting to ideas, and exploring how decisions play out in practice.
The goal isn’t to give one answer, but to help you see your own more clearly.
Why This Exists
There’s no single “right” way to reach financial independence.
But there is a better way to think about it.
Most advice focuses on optimizing one variable—usually saving more.
That works, but it’s incomplete.
The FI Equation focuses on how those pieces fit together.
Who This Is For
This is for people who:
are already thinking about financial independence
want more clarity—not just more tactics
care about making decisions that actually align with how they want to live
About Me
I spend a lot of time thinking about this.
Partly because I enjoy it. Partly because these decisions have real consequences.
I’ve spent years tracking, modeling, and adjusting my own approach to financial independence—trying to understand not just what works, but what’s worth it.
This is where I share that thinking.
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