I’m Jen, and I’m passionate about helping fellow millennials to make smarter financial choices.

I have a bachelor’s degree in psychology and a master’s degree in HR from an expensive business school.  I had naively believed that a master’s degree would be a golden ticket to an amazing career. I was wrong.  After completing grad school in 2013, I found myself underemployed and buried in $75,000 of student loan debt.

My first “real” job paid so little that nearly 50% of my income was going toward making the minimum payments on my student loans.  I didn’t know what to do.  I worried about my debt constantly.  I felt hopeless and trapped – I worried that I’d be buried in debt for the rest of my life.

A wise friend lent me a copy of Dave Ramsey’s The Total Money Makeover, and I was hooked.  Shortly after that, I married my college sweetheart and we came up with a plan to pay off our combined $117,000 of student loan debt in just three years – using Dave’s debt snowball approach.

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We realized that if we wanted to get out of debt ASAP, we couldn’t do what “normal” 20-somethings do (like taking on a mortgage, buying new cars, and starting a family) – we would have to live differently.  As Dave Ramsey says “Live like no one else now so you can live like no one else later.”

We rent a room from my parents, we’re currently on a three year spending ban, we drive paid off vehicles, and we’ve increased our income through side hustling.

Around the same time that we committed to getting our finances in order, I decided to get another aspect of my life in order as well – my health.  I made a goal to lose 50 pounds, and I’ve lost 35 so far!

In addition to frugal tips, this blog also emphasizes wellness, fitness, and healthy living.

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