Practical personal finance advice. Learn strategies to Manage Cash, Manage Credit, and Manage Investments with real-world advice you can implement today.
My name is Jay Rigler and I am a financial literacy advocate, economist, author, and I have been giving financial advice for nearly 20 years. I created Practically Independent as a free resource for people to learn how to master their own money.
The only paid product or service I offer is my book. Every other thing on this site is 100% free. I want you to have access to the information to help you improve your personal financial situation.
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The content in Practically Independent is divided into three primary categories: Managing Cash, Managing Credit, and Managing Investments:
Take control of your cash flow. Break the paycheck-to-paycheck cycle.
Manage your cash like a small business. Learn all of my cash management tips here.
When you borrow, the cost of using someone else’s money will be dramatically more if you have bad credit. So, before we start talking about how to get paid for the money you have, we need to discuss how to minimize the cost of the money you buy.
Investing is not gambling. You are not betting against the house or against your neighbor at the poker table. You are strategically lending money or buying ownership shares in companies and they are paying you for access to your money.
Practically Independent: Practical Advice to Become Financially Independent is a no-nonsense guide to help you take control of your finances.
The book outlines the strategy I have used to escape living paycheck-to-paycheck, lower the cost of my debt, get paid for having money, and protect what I have built.