Financial Freedom Blog

Take control of your money.Buy back your life.

Practical personal finance — and one founder's honest journey, built in public.

Dennis Vymer

I'm building MFFT solo and sharing the real numbers along the way.

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Buying Back Your Time: We Save Half Our Income and Have Never Once Paid Anyone to Do Our Work
My Journey

Buying Back Your Time: We Save Half Our Income and Have Never Once Paid Anyone to Do Our Work

We save around half our income and have never once paid anyone to do our work. So I priced the refusal. The same €400 a month costs 2.3 years of financial independence if it becomes permanent, and 1.2 if it stays a decision you review in January.

Sep 1, 202616 min readDennis Vymer

Start Here

16 articles

New to personal finance? Foundations, first steps, and quick wins.

Healthspan vs Lifespan: My FIRE Plan Funds Me to 90 and Assumes a Body It Never Modeled

Healthspan vs Lifespan: My FIRE Plan Funds Me to 90 and Assumes a Body It Never Modeled

My projection argues about returns to a tenth of a percent and has no field for the body spending the money. At 65 in the EU you get 20 years, 9.4 of them healthy. Here's what healthspan vs lifespan does to a FIRE plan, and what a protected health line actually costs.

Aug 28, 202616 min readDennis Vymer
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Master Your Money

56 articles

Budgeting, saving, and everyday money habits that stick.

One Spouse Manages All the Finances in Our House. It's Me, and That's a Design Flaw.

One Spouse Manages All the Finances in Our House. It's Me, and That's a Design Flaw.

In our house, one spouse manages all the finances, and it's me. I built the tool, I buy the ETF, I read the numbers out loud while my wife listens. That's a bus factor of one. Here's the 30-minute quarterly drill we run instead of a password folder, and why documents rot.

Aug 20, 202616 min readDennis Vymer
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Learn To Invest

13 articles

Investing explained from zero — terms, accounts, and strategies.

Investing at All-Time Highs: I Bought Again This Month. The Number I Changed Was in My Plan, Not My Standing Order.

Investing at All-Time Highs: I Bought Again This Month. The Number I Changed Was in My Plan, Not My Standing Order.

I bought my usual world ETF at a Shiller CAPE of 41, a level the market has only ever hit in 1999 and 2000. I still didn't touch the standing order. Valuation explains 25.8% of the next decade and 3.9% of the next year, so it belongs in your plan, not your bank instruction.

Aug 31, 202614 min readDennis Vymer
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Invest Smart

14 articles

Deeper dives for investors: portfolios, risk, and market insights.

Investing as a Couple With Different Risk Tolerance: My Wife Never Chose 100% Stocks, and Half of It Is Hers

Investing as a Couple With Different Risk Tolerance: My Wife Never Chose 100% Stocks, and Half of It Is Hers

I hold 100% stocks, I decided that years ago, and half that account is my wife's money. She never picked it. A 2026 paper says household portfolios weight the husband's risk preference 0.6 to the wife's 0.4, and being the one who runs the money buys extra weight on top of that.

Aug 26, 202615 min readDennis Vymer
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The personal side

My Journey

11 articles

Personal stories and lessons from the road to financial freedom.

Buying Back Your Time: We Save Half Our Income and Have Never Once Paid Anyone to Do Our Work

Buying Back Your Time: We Save Half Our Income and Have Never Once Paid Anyone to Do Our Work

We save around half our income and have never once paid anyone to do our work. So I priced the refusal. The same €400 a month costs 2.3 years of financial independence if it becomes permanent, and 1.2 if it stays a decision you review in January.

Sep 1, 202616 min readDennis Vymer
Show all 11 articles

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