Hi, Iโ€™m Rachel and at 44, empty nester, and finally putting myself first โ€” 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 โ€” 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 just made my first trade/purchase in my Brokerage Account. ๐Ÿ˜Ž๐Ÿ‘๐Ÿป

2 weeks ago | [YT] | 33

Rachel

Thank you all for the well wishes. Scout is doing much better today. Sheโ€™s been eating and drinking water and going outside when itโ€™s not raining. ๐Ÿซถ๐Ÿป๐Ÿถ

3 weeks ago | [YT] | 37

Rachel

Put in the comments how much you think I spent on groceries for the week

4 weeks ago | [YT] | 26

Rachel

Flash back to the day I packed up my entire life in NC and moved to FL 3 yrs ago ๐Ÿ’—

4 weeks ago | [YT] | 34

Rachel

July 2016 NET WORTH! Now my goal is to hit $30k net worth by Aug 31st 2026

4 weeks ago | [YT] | 24

Rachel

On student loan refund watch. Iโ€™m hoping the check arrives in a month or two

1 month ago | [YT] | 30

Rachel

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

1 month ago | [YT] | 73

Rachel

โ€ผ๏ธ

1 month ago | [YT] | 19

Rachel

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

1 month ago | [YT] | 7

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 month ago | [YT] | 5