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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How Long Will Your Savings Last in Retirement? (Table)
Start Here

How Long Will Your Savings Last in Retirement? (Table)

At 4% a year and a 3% real return, savings last about 44 years; at 6%, about 22. Two bad years at the start can cut a 37.4-year plan to 21.5.

Oct 16, 202610 min readDennis Vymer

Start Here

23 articles

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

How Long Will Your Savings Last in Retirement? (Table)

How Long Will Your Savings Last in Retirement? (Table)

At 4% a year and a 3% real return, savings last about 44 years; at 6%, about 22. Two bad years at the start can cut a 37.4-year plan to 21.5.

Oct 16, 202610 min readDennis Vymer
Show all 23 articles

Master Your Money

57 articles

Budgeting, saving, and everyday money habits that stick.

Your Job Is the Biggest Position in Your Portfolio. I Diversified Everything Except the Thing That Pays for It.

Your Job Is the Biggest Position in Your Portfolio. I Diversified Everything Except the Thing That Pays for It.

My world ETF is spread across an entire developed-market index, and every euro that buys it comes from one employer, one country, one currency. Your job is the biggest undiversified position you own. Here is what actually reduces the risk, and why seven income streams does not.

Sep 18, 202616 min readDennis Vymer
Show all 57 articles

Learn To Invest

17 articles

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

Increase Monthly Investment Every Year. I Didn't, and That Was a Pay Cut I Gave Myself.

Increase Monthly Investment Every Year. I Didn't, and That Was a Pay Cut I Gave Myself.

A month ago I called my unchanged monthly ETF transfer a sign of discipline. It is a pay cut. A contribution frozen since 2020 buys about 22% less, and a 10% savings rate drifts to under 8% with nobody deciding anything. Automate the buy. Never automate the amount.

Oct 2, 202615 min readDennis Vymer
Show all 17 articles

Invest Smart

19 articles

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

VOO vs QQQ vs SCHD: Overlap, Returns and Which to Own

VOO vs QQQ vs SCHD: Overlap, Returns and Which to Own

VOO is the cheap core, QQQ a tech-heavy growth bet, SCHD a dividend-value tilt. Overlap, 10-year returns and drawdowns, and which one to own.

Oct 12, 20269 min readDennis Vymer
Show all 19 articles

The personal side

My Journey

22 articles

Personal stories and lessons from the road to financial freedom.

The Money Talk Before Marriage: We Did It in One Evening

The Money Talk Before Marriage: We Did It in One Evening

Before our wedding we each put every number on one sheet: assets, debts, income, habits. Why that beat a list of questions, and why we then merged it all.

Oct 6, 20267 min readDennis Vymer
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