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Crucial Wealth

Crucial Wealth

Smart Finance for an Intentional Life

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  • Home
  • Start Here
  • About
    • Welcome to Crucial Wealth: Your Path to Financial Freedom
  • Smart Money Tools
    • Budget Allocation Tool
    • CAPE-Based Withdrawal Calculator
    • Debt Payoff Calculator
    • Financial Independence Calculator
    • Investment Returns Calculator
    • Tax-Optimization Calculator
  • Archives
  • Contact

Tag: post-graduate finance

5 Financial Lessons I Wish I Knew After Graduation: A Guide to Post-College Success
Family Money Matters

5 Financial Lessons I Wish I Knew After Graduation: A Guide to Post-College Success

Joséby José
5 Financial Lessons I Wish I Knew After Graduation: A Guide to Post-College Success Read More

WHAT WE ARE ABOUT

Crucial Wealth empowers individuals to achieve financial freedom and live life on their own terms. We share our knowledge and experiences to help others understand financial literacy, build wealth, and reach financial freedom. We're a married couple, with two lovely girls, who have found financial freedom and now we're on a mission to inspire others. Join us on this journey towards financial empowerment.

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From Novice to FI: 15 Investing Lessons That Transformed My Financial Future

November 2, 2016March 15, 2025

A New Pair of Feet on Our FIRE Path: Welcoming Our Baby Girl, Yuna

September 16, 2018October 21, 2024
snow covered mountain during sunrise

The Path to Financial Independence: Creating a Life of True Freedom

October 24, 2024November 3, 2024

OLTL 2019 Mid-Year Update: Early Retirement at 33 and 44

August 13, 2019November 4, 2024

How Building Our Dream Home Is Creating $1.57M in Local Economic Impact (And Why It Matters)

March 25, 2025March 25, 2025

The Beauty of Slow Living and Rediscovering What Matters

March 20, 2025March 22, 2025
bird-nest-eggs-blue-158734.jpeg

Cracking the Retirement Code: Our Journey to a Sustainable Withdrawal Strategy

March 17, 2025March 17, 2025
two humming birds

VPMAX vs VTSAX: Why This Hidden Vanguard Gem Might Be Your Portfolio’s Secret Weapon

March 15, 2025March 15, 2025
Astro Alert: 11 Cosmic Red Flags That Scream 'Entitled Brat' in Adult Offspring Despite Stellar Parenting! | Iconoclasmic - The Problem with Traditional Allowance: Why Paying Kids for Chores Might Create Entitled Adults

[…] and developing good habits. When everything is in its place, life just works better,” experts from Crucial Wealth […]
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José - The Beauty of Slow Living and Rediscovering What Matters

Thanks, Louis! That question—"Am I really living a fulfilling life?"—is "exactly what I hoped to inspire in all of you.…
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Louis Bautista - The Beauty of Slow Living and Rediscovering What Matters

I thought this article was beautifully written. A lot of good insights that make you wonder am I really living…
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Smart Strategies for Young Adults to Overcome Debt and Build Wealth – DebtLess Life - The Path to Financial Independence: Creating a Life of True Freedom

[…] The Path to Financial Independence: Creating a Life of True Freedom – Crucial Wealth – https://crucialwealth.com/reaching-financial-independence-thrive/ […]
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José - February 2025 Home Building Journey: Electrical Adventures & Window Preparations

Thanks! You're right. They're learning in real time how these challenges are handled. P.S. They just started building next to…
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4% rule 401(k) strategy alternative education asset allocation asset calculation bank bonuses behavioral economics bill negotiation bond fund investing bond investing budget cooking budget living budget projections budget tracking budget transparency budget travel budget-friendly meals budgeting tips budgeting together building in sarasota florida business success CAPE car ownership car upgrade analysis cashback rewards child development cloth diapering college finance commute optimization commute reduction compound interest conscious spending couple finances couple's financial independence creative financing credit card hacks credit card rewards critical thinking culinary skills cultural immersion cutting costs debt management debt payoff strategies debt repayment debt-free home savings debt-free homeownership debt-free lifestyle debt-free living decluttering digital detox discount strategies dividend investing early retirement early retirement planning entrepreneurship tips expense tracking experience-based celebrations family finance Family Financial Planning family lifestyle family travel family values financial aid financial freedom financial goals financial independence financial intimacy financial literacy financial milestones financial mindset financial strategies financial transformation FIRE FIRE community FIRE journey FIRE lifestyle FIRE Movement FIRE strategy FIRE with children first-generation wealth Florida living freedom fund frugal living frugal traveling fuel efficiency Gulf Coast Florida happiness journey happiness optimization happiness research happiness tips health and wellness healthy eating healthy habits high savings rate higher education holiday traditions holistic living home construction home construction loans home cooking home fund home improvements home savings Homeschooling homesteading house savings household spending housing decisions inflation impact intentional livng interest-free loans internet savings intrinsic motivation invest investing investing basics investing strategies investment strategies investment strategy investment tips investments kids and money land developing life design life energy life lessons life purpose life-changing moments lifestyle change lifestyle design lifestyle improvement lifestyle inflation local economy market history market volatility meaningful connections media skepticism millennial 401(k) mindful living mindful spending mindfulness mindset shift minimalism minimalism lifestyle minimalist giving minimalist living minimalist parenting Mint alternative monarch money money date night money management money mindset money saving tips money-saving tips monthly spending monthly spending report moving closer to work multi-family properties net worth growth net worth tracking North Port Florida Nuestra Casa Fund overcoming setbacks parenting parenting finances parenting freedom passive income personal development personal finance personal finance tips personal finance tools personal growth portfolio portfolio diversification portfolio income portfolio management post-career life post-graduate finance pre-retirement strategies producer mindset quality of life quarterly financial update quarterly update real estate real estate goals real estate investing relationship quality relocation renting vs buying responsible spending retirement blueprint retirement budget retirement planning retirement savings retirement transition safe withdrawal rate Santiago DR tourist attractions sarasota county construction saving tips savings goal savings rate savings strategies self-directed IRA self-discovery sequence of return risk side hustles simple pleasures slow living slow travel smart money management smart shopping streaming on a budget stress-free holidays student debt student loans SWR tax deed auctions tax loss harvesting the Alchemist time management travel travel hacking travel hacks travel on a budget true happiness variable withdrawal wealth building women empowerment women entrepreneurs work life balance work-life balance young families

Latest

How Building Our Dream Home Is Creating $1.57M in Local Economic Impact (And Why It Matters)

March 25, 2025March 25, 2025

The Beauty of Slow Living and Rediscovering What Matters

March 20, 2025March 22, 2025
bird-nest-eggs-blue-158734.jpeg

Cracking the Retirement Code: Our Journey to a Sustainable Withdrawal Strategy

March 17, 2025March 17, 2025
two humming birds

VPMAX vs VTSAX: Why This Hidden Vanguard Gem Might Be Your Portfolio’s Secret Weapon

March 15, 2025March 15, 2025

February 2025 Home Building Journey: Electrical Adventures & Window Preparations

March 13, 2025March 13, 2025

CATEGORIES

  • Debt
  • Early Retirement
  • Family Money Matters
  • Financial Independence
  • Income Streams
  • Lifestyle
  • Money Management
  • Relationships and Money
  • Savings
  • Wealth Building

About

We’re a family of four, living proof that financial independence is possible while raising children in today’s world. Having achieved FIRE (Financial Independence, Retire Early) with two young daughters, we’re building a community where smart family finances meet intentional living. Whether you’re juggling childcare costs with retirement savings, looking to build generational wealth through real estate, or seeking ways to raise financially savvy kids, we’re here to guide you through these challenges with practical, real-world strategies that actually work for busy parents. Our mission is to empower other young families on their path to financial independence by sharing our journey transparently—from managing rental properties to teaching our kids about money. Join us as we create a future where financial independence and family life thrive side by side.

The content and resources on this website, including all downloadable materials, are for informational purposes only and should not be considered financial advice. While we share our personal experiences with early retirement, we are not financial advisors or financial professionals. We're simply a couple sharing our journey to financial independence.

While we strive to provide accurate and valuable information on this website and in our downloadable resources, this content should not replace professional financial guidance. We strongly recommend consulting with qualified financial professionals for advice tailored to your unique circumstances. Crucial Wealth believes that professional financial advice is an essential part of your financial journey.

© 2024 Crucial Wealth

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