Rachel - Invidious

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

On student loan refund watch. I’m hoping the check arrives in a month or two

2 hours ago | [YT] | 5

View 4 replies

Rachel

First image me circa 2016 ish
Second image me circa 2023 ish

1 day ago | [YT] | 52

View 13 replies

Rachel

‼️

2 days ago | [YT] | 14

View 2 replies

Rachel

Investing is all about learning and growing as you go. I think this will be better for growth for me

1 week ago | [YT] | 6

View 5 replies

Rachel

Mentally today was a much better day than yesterday. I calculated my June 2026 net worth (my 1st debt free net worth) and that rule helped.

I also compared this to what my savings and investing accounts looked like back in Dec 2025 and so much has changed in the last 6 months.

Video is up now

My First Net Worth Update as a Debt-Free Woman (June 2026)
https://youtu.be/KDi7lby5-Kw

1 week ago | [YT] | 5

View 0 replies

Rachel

Net worth…

1 week ago | [YT] | 11

View 0 replies

Rachel

Today is just one of those days. I’m overwhelmed. I’m exhausted. I’m really feeling the weight and burden of the years of core decisions and choices on my part to not start investing sooner. I’m proud of myself. We’re getting started but all the years that I lost of compounding and just the unknown of the future no matter what I’m doing right now.

1 week ago | [YT] | 20

View 14 replies

Rachel

WOW!!! Y’all it’s finally official. Logged on to the student aid portal this morning and for the first time in 19 yrs it shows a $0.00 balance 🥳