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Welcome

All of the information on Dollars & Bills is organized under 5 main topics, plus a recommendations page full of resources. I’ve linked a few popular posts to get you started.

1. Save Money – car buying tips and 50 easy ways to save money.

2. Make Money – smart side hustles you can get started on right away.

3Credit & Debt – how to correct errors on your credit report.

4. Investing – FIRE explained and how to open an IRA (coming soon).

5. Money Habits – learn about how credit scores are calculated and how to read your credit report. New to budgeting? I’ve got you covered. Money Habits covers actionable strategies designed to help you take control of your finances, along with motivational and informative articles that are designed to help you better understand and transform your relationship with money.

6. Recommendations – from the best personal finance books to the best web hosting, you’ll find all of my recommended resources here.

I’m so glad you’re here, by the way. If you have any questions about the site, an idea for a post, or just want to drop a line to say “hi”, feel free to email me. I read and respond to every message I receive.

My story

My husband and I will be financially independent and retired in just a few years (in our early 40s), but we weren’t raised to be good with money. We aren’t high earners and we didn’t receive a windfall or otherwise “come into money”. As a family of 4, we’ve never made more than $80,000 per year combined.

In fact, my parents were bikers. Before I graduated college I was a high school dropout and a single mom on welfare. My husband, a career Airman, was a military brat. We didn’t have financial role models – not by any stretch the imagination.

Despite our backgrounds and average earnings, we’ve managed to build a substantial nest egg for ourselves by saving 45% of our income each month and prioritizing our finances.

I know what it’s like to struggle financially. More importantly, I know firsthand that it’s possible to turn your life around by getting smart about money and building better money habits.

We are living proof that financial freedom isn’t an impossible dream.

I wasn’t set up for success in life or in money and neither was my husband. But – and this is important – we didn’t become good with money on accident. We made deliberate choices that got us to where we are today. You can make better financial decisions too.

Financial literacy isn’t a skill. It doesn’t take talent to make money or save money. All you need is a solid understanding of personal finance – which anyone can learn – and a willingness to do what it takes.


I’ve been studying personal finance for most of my life in some form or another. I have a bachelor’s degree in finance and a background in tax preparation. Currently, I’m in the process of becoming an Accredited Financial Counselor, thanks to the Association for Financial Counseling and Planning Education (AFCPE) and the Financial Industry Regulatory Authority (FINRA) Military Spouse Fellowship.

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