Posted on by Sean Merron

2FD 045: Listener Case Study with Sal Hernandez

We have the pleasure of performing another listener case study with Sal Hernandez today!

Sal is a young professional that has been diligent about finding the right career for his life and focusing on paying off debt to pursue his financial dreams. With savings starting to accumulate and recently purchasing his first house, Sal is trying to figure out how he can start putting his extra money to work.

We love our listeners and we’re honored that Sal took the time to come share his story with everyone to learn from. CHA-CHING!​​​​

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*** Frugal Insider’s Club ***

We love our Insiders! Everyone in our Frugal Insider’s Club will receive this episode’s cheat sheet plus:

  • Entry into our monthly book giveaway.
  • Insider-only special offers, like a discount on any Early Retirement Roadmap package.
  • Recommended resources that Kevin and Sean use in their own lives
  • Insider-only articles outside of what we have time for on the podcast.
  • Priority on questions about your situation and case studies.
  • Entry into our Christmas Gift of Frugalness including a HD Antenna, an Amazon Fire Stick, Gift Cards, Books and much more!
  • JOIN THE CLUB!

Discussion Points

  • Living a minimal lifestyle, content with empty walls and rooms.
  • How Sal has been tracking his money to payoff debt and see where he’s spending the most.
  • How to find an affordable mattress.
  • The truth about 0% financing.
  • Switching careers from automotive to software engineering.
  • Building the option to retire early even when you don’t ever see yourself not working.
  • How people get introduced to financial advisors.
  • The importance of reducing your mortgage term.
  • Why you should get rid of all debt before investing.
  • How much to contribute to an IRA and 401K.
  • Our thoughts on investing in crypto-currency like Ethereum and Bitcoin.
  • Frugal Tip of The Week: How to learn a foreign language for free!

Related Episodes

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  1. By Computer – Go here and click the “View in iTunes” button. 
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      – Once you see our podcast, click the “Ratings and Reviews” tab and then the “Write a Review” button.
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Reviewing our podcast on iTunes also boosts your chances for the Christmas Gift of Frugalness by 5 times! That’s right, anyone that rates us gets their name put into the hat five more times! Thank you for being a valued listener and we look forward to taking the show even further!

The Early Retirement Roadmap

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Thanks to http://www.bensound.com/ for the music used in the show.