Joel and his wife were barreling down the wrong financial path - saving nothing and spending more than $100,000 every year. A freak car accident literally changed the direction of their lives by causing them to re-evaluate and decide on what was truly important in life. In five short years, they went from a negative savings rate to saving 85% of their income, allowing Joel to quit a job that was making him miserable. They did this by making regular changes to their spending, and cutting out the things that weren’t actually making them happy, alongside shedding poor “investments” they had previously accumulated, and sticking to a strategy of simple, long-term index fund investing. This episode is for anyone who earns an upper-median income, yet feels stuck and unable to get ahead. Joel will show you how to make the tough changes that will ultimately lead to more happiness, more freedom, and a stronger financial position. Links from the Show BiggerPockets Forums BiggerPockets Money Podcast 06: Fearlessly Paying off Massive Student Debt on $30,000 per Year with Sarah Wilson (Podcast Episode) Mr Money Mustache BiggerPockets Money Podcast 10: Designing a Frugal But Luxurious FI Life by Age 32 with Liz Thames (Mrs. Fugalwoods) (Podcast Episode) Get Rich Slowly The Milestones of FI BiggerPockets Money Podcast Forum Click here for full show notes.