The Zero-Based Budget Side Hustle Game

The Zero-Based Budget Side Hustle Game Featured Image

The word “budget” often has a negative connotation because it limits or restricts. But what if I told you that a budget didn’t have to be this way?

For the past year or two, I have been playing what I call ‘The Zero-Based Budget Side Hustle Game’. This style of creative budgeting has allowed me to fully enjoy my life while aggressively pursuing financial independence.… Read More

Scalability: Work Smarter Not Harder


There are two types of people in this world — those who control money and those who are controlled by money. If you identify as the latter, my goal is to transform you into the former by the end of this article.

This simple principle is the reason why the rich become richer and the poor remain poor.… Read More

FIRE Below Zero Podcast Launched!

FIRE Below Zero

This is the day that TJ from Half Life Theory and I have been waiting for. After hundreds of hours of work, countless mistakes, and a hell of a lot of determination, we have finally launched our podcast, FIRE Below Zero!

First, I would just like to thank the entire financial independence community for supporting me throughout my growth as a blogger, and now as a podcaster.… Read More

A Step-By-Step Guide to Building Your Online Business

A step-by-step guide to building your online business - Fly to FI

In recent years, the laptop lifestyle has enchanted entrepreneurs far and wide. Creative and ambitious individuals are making money online from anywhere they can get a WiFi signal. Everybody wants to invent the million dollar app, build a profitable hands-free business, or make fortunes in a get-rich-quick venture.

Although I can’t promise that any of those things will happen for you, I can show you the road to lead you there.… Read More

Real Estate: From Zero to Financial Independence

Real Estate: From Zero to Financial Independence

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Let me start by saying that real estate is not for everyone. Real estate is much more time-consuming than index fund investing. Additionally, properties need repairs, tenants aren’t always great, and leverage can be scary. … Read More

The Expense Floor: Why Income Matters

Mind The Gap - Income Matters

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The only way to accumulate wealth is to create a gap between your income and your spending. The rate at which you accumulate wealth depends on the size of this gap. Much of traditional retirement guidance focuses on expense cutting and frugality. However, what happens when your expenses are cut to the bone and you still aren’t saving enough to retire?… Read More

Cracking the Nest Egg

Cracking the Nest Egg - Fly to FI

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Get ready to go head to head with one of the most sacred tenets in the financial independence community: The nest egg. *Gasps* Find out why I disagree with the traditional nest egg, what the alternatives are, and how to build your ideal lifestyle.… Read More

UberEats Bicycle – Skinny Waist, Skinny Wallet

Cody of Fly to FI delivering UberEats

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“But Cody, you’re supposed to be cool and successful, not some UberEats delivery guy!”

Don’t worry, I have a perfectly good explanation for this. Let me tell you the backstory as to why I currently deliver UberEats as a side hustle. I will also highlight the ups and downs of UberEats on a bicycle (pun intended).… Read More