
January: The 3Ms of Financial Independence
2018 is all about taking a step by step approach every month to improve your finances, and bringing you closer to achieving financial independence. Your first, and most important step, is to develop a financial plan. Already have a financial plan? Then January is the perfect time to review it and make adjustments, if necessary. The 3 Ms of FI I coined the phrase “3Ms of FI” to help simplify the mindset necessary to achieve financial independence. The 3Ms are the foundation fo