Financial Freedom – The Starting Line

Welcome to! Thank you for joining me on my journey to financial freedom! Please allow me to introduce myself and the contents of this blog.

Who is the fruguy?

That’s me, or TFG for short. I’m a 30-ish year old seeking financial freedom. I am married to TFW (the fruwife) and together we are living the frulife! Throughout my life, I have always been the person that saves, takes advantages of deals and coupons, and sells older models so I can buy the latest and greatest version. Now in my frulife, and since I’ve gotten a glimpse of the “real world,” I plan to take it a step further and be even more intentional with my savings and spending by seeking financial freedom.

Through this blog, I will be documenting and sharing my journey to crush debt, maximize credit card rewards, optimize every purchase, and take advantage of small life hacks that can bring exponential returns. This blog will also allow me to be held accountable for my goals, since sometimes, life just gets in the way. I hope by sharing my journey, I can help create simple actionable steps for my readers to follow in their own journey to freedom.

What is your definition of financial freedom?

Quite simply, financial freedom is not having to rely on your typical 40 hour work week to provide for you, but rather allowing your savings +/- side hustle do all the work. This is the freedom that allows you to pursue the things you are passionate about and gives you flexibility to spend your precious time the way you want to spend it. While working a full-time 40 hour job provides a steady income, it also accounts for ~33% of every week that you don’t get to spend the way you want! This doesn’t account for travel time to and from work, de-stressing after work, or “catch up” work hours. Of course this depends on where your passion lies. Rather than be strapped tightly into my job, my passion lies in other things:

  • Spending meaningful time with family and friends
  • Exploring new places and learning/understanding different cultures
  • Living a fit and healthy life.

Can you imagine being in your current job until the standard retirement age of 65+?

I can’t! The years between the standard retirement age are the prime years of your life, where you can experience new adventures, watch your children grow, and establish life long relationships. Life is not guaranteed, and I don’t want to watch it pass by while I am trapped behind the locked door of financial dependence!

How will you reach financial freedom?

By being mindful and taking action! You can’t achieve financial freedom by sitting on the couch watch hours of your favorite television show. You also can’t just read every financial blog out there and expect to achieve financial freedom. Action is the key word!

My action plan:

Optimize every financial decision by utilizing:

  • Budgeting tools
  • Credit card rewards points and sign up bonuses
  • Minimizing fees and unnecessary spending
  • Price tracking and price matching
  • Coupons and discount codes
  • Frugal hacks
  • Low cost index funds


  • 50% or greater savings rate
  • Max out tax advantaged investment vehicles


  • While at current job, work hard! Maximize earning potential, maximize bonus pool, and earn high percentage raises
  • Blog! Earn side income through affiliate marketing.

What I have accomplished so far…

  • Crushed student loan debt of $83,000 in 3 years.
  • Crushed the fruwife’s student loan debt of $94,000 in 4 years.
  • Funded emergency fund
  • Max out 401k annually
  • Created ROTH IRA with goal of maxing out every year
  • Funded taxable investment account
  • To be continued…

Thank you for stopping by my new passion project and stay tuned so I can expand on all of the above topics and introduce new ones I learn along the way. Please continue to follow me on my journey to unlock the door to financial freedom!

If you have any questions whatsoever, please do not hesitate to contact me, I’d love to hear from you!

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