Hi, I’m Rachel and at 44, empty nester, and finally putting myself first — financially. I've paid off $14K in credit card debt (documented), navigating student loan discharge, and now I'm aggressively saving for retirement on a real income. My channel is a living, breathing personal finance journey focused on late start investing, Coast FIRE, and FIRE — with full transparency on the numbers. No get-rich-quick. Just real strategy, real setbacks, and real progress. Subscribe if you want personal finance without the pretense.


Rachel

University of Phoenix is a SCAM! How are they still in operation?? I just saw an ad 😡

1 day ago | [YT] | 5

Rachel

I’m taking today to relax and let my body rest. Scout and I will be in the bed most of the day rotting 😂

3 days ago | [YT] | 37

Rachel

Ask me anything!!

5 days ago | [YT] | 10

Rachel

Sometimes when I forget how resilient and tough I am, I am always reminded of different times within my life that I faced challenges that I thought I would never overcome and somehow I have over come almost every single one

Graduating from college at almost 30 years old was difficult to say the least. This is one achievement in my life that I am super proud of.

5 days ago | [YT] | 37

Rachel

I made an at home s’mores latte ☕️

6 days ago | [YT] | 22

Rachel

Throw back to when I just graduated from WCU and was on the job hunt. Looking back I’m so glad everything worked out in the end

6 days ago | [YT] | 15

Rachel

There is a clip of Kevin O’Leary saying it’s shameful to spend $28 on lunch and that money can grow if you invest it instead.

I don’t think a single $28 will do much. But if you are consistently eating out daily, weekly, or even monthly then I do believe that investing that money would be a better use of funds.

www.msn.com/en-us/news/insight/kevin-o-leary-faces…

1 week ago | [YT] | 10

Rachel

Scout is getting back to her normal routine

1 week ago | [YT] | 29

Rachel

How has it been 25 yrs since high school graduation?! Insane

1 week ago | [YT] | 8

Rachel

One of the reasons I hate leaving Scout is because when she gets home there is always an adjustment period.

Yesterday she only ate once and she didn’t eat her breakfast this morning. She is also a bit skinnier when I picked her up so I just she didn’t much over the weekend while being boarded

1 week ago | [YT] | 32