Hi, I’m Rachel and at 44, empty nester, and finally putting myself first — financially. I've paid off $14K in credit card debt (documented), navigating student loan discharge, and now I'm aggressively saving for retirement on a real income. My channel is a living, breathing personal finance journey focused on late start investing, Coast FIRE, and FIRE — with full transparency on the numbers. No get-rich-quick. Just real strategy, real setbacks, and real progress. Subscribe if you want personal finance without the pretense.


Rachel

I had the entire gym to myself this morning 🏋️‍♀️

14 hours ago | [YT] | 40

Rachel

Enjoying slow mornings on the weekends is a must for us 🐶

1 day ago | [YT] | 49

Rachel

University of Phoenix is a SCAM! How are they still in operation?? I just saw an ad 😡

4 days ago | [YT] | 7

Rachel

I’m taking today to relax and let my body rest. Scout and I will be in the bed most of the day rotting 😂

6 days ago | [YT] | 40

Rachel

Ask me anything!!

1 week ago | [YT] | 10

Rachel

Sometimes when I forget how resilient and tough I am, I am always reminded of different times within my life that I faced challenges that I thought I would never overcome and somehow I have over come almost every single one

Graduating from college at almost 30 years old was difficult to say the least. This is one achievement in my life that I am super proud of.

1 week ago | [YT] | 39

Rachel

I made an at home s’mores latte ☕️

1 week ago | [YT] | 22

Rachel

Throw back to when I just graduated from WCU and was on the job hunt. Looking back I’m so glad everything worked out in the end

1 week ago | [YT] | 15

Rachel

There is a clip of Kevin O’Leary saying it’s shameful to spend $28 on lunch and that money can grow if you invest it instead.

I don’t think a single $28 will do much. But if you are consistently eating out daily, weekly, or even monthly then I do believe that investing that money would be a better use of funds.

www.msn.com/en-us/news/insight/kevin-o-leary-faces…

1 week ago | [YT] | 10

Rachel

Scout is getting back to her normal routine

1 week ago | [YT] | 29