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“True wealth is the ability to afford to live life on your own terms. When you are the only one dictating your time, you are truly free.“

Financial Independence is not only a buzz word amongst the FIRE (financially independent retired early) community - it's a way of life that anyone can obtain.

The formula is simple: income + investments = assets. When your assets cover your living expenses, you are financially independent.

The Afford is a blog and newsletter dedicated to earning and investing to build assets and reach financial independence. We cover everything from income, starting your own side business, investing, real estate, loans, crypto currency, to managing your money.

Join our FREE newsletter to get the latest advice and investment ideas.

Below are a few of our favorite tools and resources to help you earn, invest, and manage your money.

Keep track of your finances

Get a tool like Personal Capitol to keep track of your money. Personal Finance is a FREE tool to see all of your accounts in one place and make better decisions about managing it. You can also save money by using the FREE Analyzer tool to find hidden fees in your accounts. Click here to sign up for a FREE account.

Also, check out this Personal Finances Retirement Calculator to see if you’re on track, and what you can do to improve your chances of retirement success.

Started investing

Here are a few tools and resources to get started investing. These are all services that we personally used and tested to be of value. Some may be partners and compensate us if you sign up, there is no extra cost to you - this helps support our publication.

Acorns is a great way to get started saving and investing your money. Here's how it works: you sign up for a checking account, use it to pay for items, and it will round up your purchases and deposit the difference into your choice of investments. This is a great way to get started saving and investing if you dont have a large deposit to start. Get $5 free when you sign up for Acorns.

M1 the Finance Super App is our favorite way to invest in stocks and ETFs (exchange traded funds). M1 Finance offer easy investing, checking, borrow (loans), and credit card tools all from one app. This is the new wave of finance tools right at your finger tips. And the best part: it's FREE. No fees. If you are looking to get started investing in stocks, mutual funds, or ETFs, check out M1 Finance Super App.

SmartMoney is a website that compares all of the top Investing Services and Apps. You can compare the rates, fee's and features in all the top trading platforms such as RobinHood, Vanguard, Coinbase, and TD Ameritrade.

How do you know what stocks to choose? The Motley Fool has you covered. Yes, it's a strange name for an investing club, but they have been around for years and who we personally trust for investment ideas. The Motley Fool emails subscribers every Thursday with new investment ideas and information. It's a gold mine. Join the Motley Fool now and get 60% off the annual fee.


Christian here - founder of The Afford. This blog originally started as an Evernote for my children titled "How to afford the life of your dreams".  I grew up with parents that were in debt their entire lives. They never saved for retirement, and never retired. My mother died of cancer at the age of 62 and worked right up until the end. I witnessed how hard my parents worked, and how little they saved. They never lacked in effort, only in investments. I want more for my family. I want to retire early and spend quality time with my children and grand children. And God forbid any of us fall ill - I want the freedom to focus on our time, not our jobs.


While The Afford is written by financially savvy individuals, we are not professionals nor certified advisors. The content on The Afford is not specific investment advice tailored to you. We provide our own thoughts, experiences, and suggestions. Please do your own due diligence before making any investments.

Some content on this website may contain sponsored or affiliated links. There is no extra cost to you.