Hi, I’m Karen. Welcome to my website!

I’m a Gen Xer with a rediscovered love of writing. I’m a freelance writer, blogger, and soon-to-be author of my first book.

In my “former life,” I spent 20 years working in accounting and finance roles, with 11 of those years at a Fortune 50. I was a CMA (Certified Management Accountant), so numbers and spreadsheets were my life.

But I also love to read. In fact, one day, I browsed the personal finance section in my city library and realized I had read almost every book there!

So, yup, I’m a money nerd with a reading habit.

Karen reading as a kid
(’70s version of me)

I love the concept of FIRE (Financial Independence Retire Early), well, at least the “FI” part of the equation. I still have my 1992 copy of Your Money Or Your Life by Joe Dominguez and Vicki Robin—the book that put me on the path to frugality as a way to achieve financial independence. 

FIRE or FI is about giving yourself options by avoiding the hamster-wheel of consumerism. When you don’t spend everything you make, you eventually get more choices for what to do with your time. And by time, I mean your life.

Between living longer and super-low interest rates, the goalpost keeps moving out for anyone pursuing FIRE. So, instead of retire, think of the “R” portion as “pursue something other than full-time work as an employee.” Work that has personal meaning, like entrepreneurial pursuits or projects.

My philosophy:

  • Live a reasonably frugal life, so you need less money to live on.
  • Keep work as part of your lifestyle plan since it provides benefits well beyond the financial.
  • Search for a way to do work you love, most likely by learning how to work in the new “project economy.” This is a healthier, more financially secure, and more accessible goal than “regular” retirement. We are living longer than ever, and the old models of retirement are breaking.
  • Think of FI as a dimmer switch and not an on/off switch. As you build up savings, you get more choices.

I’ll use my love of reading and research to create content to help you on your journey to financial independence.

Here are some articles to get you started:

Finding Your “Enough” (The Key to Calm on Your FI Journey)

What is Financial Independence, Retire Early (FIRE), Or FI?

What is Intentional Living? (with 6 Tips to Create a More Meaningful Life)