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Get to know Frugal to FI

Frugal to FI is your go-to source for frugal living – packed with practical, useful and clever ideas that turn saving money into a path toward financial independence.

  • Frugal & Simple Living
  • Saving Money & Budgeting
  • Books & Reviews
  • Household & DIY Tips
  • Food & Cooking Tips
  • Travel & Adventure

Introduction

The person behind the scenes. A bit about myself – I am a GenXer in my 50s who has hit CoastFI – and is now aiming to semi-retire in 1-3 years.

Coast FI (Coast Financial Independence) is a retirement strategy where you save and invest enough money early in your career to cover 100% of your future retirement needs through compound growth, allowing you to stop or significantly reduce retirement contributions. Once the “Coast FI” number is reached, you only need to earn enough to cover current living expenses.

In 2019, I had about $100,00 in debt – that I was carrying around for a long while. Experienced an awakening that I was closer to retirement age than not. Then in 2020, when the world shut down without the ability to travel or go to concerts – I made it my “hobby” to pay it off (I also decided to personally re-do my backyard landscaping by hand at that time, too. But that is another story). My student loan of $29,999 was forgiven and I paid of approximately $56,000 in 3 years by living a frugal life (intentional spending, budgeting, cash envelops and cutting costs where I could to sent that money towards debt).

At the same point, I was investing. When my debt was paid off, I increased my investing contribution into my pre-tax retirement account with work. Then in 2025, I hit my CoastFI number. Since then, I have stopped contributing money towards my investment accounts and I am saving up my cash savings bucket of 1-3 years cash (also known as an Emergency Fund).

I am not the best saver, but I wasn’t the best at paying off debt either and I accomplished it. The desire to semi-retire is strong. So I need to accomplish my savings goal too.

And that is how Frugal to FI came about – frugal living, intentional spending, budgeting to achieve financial goals – while still living the good life. And that is the focus with this website.

Circa 2019 🙂

History

Frugal to FI has been a social influence since 2019. The FrugaltoFI.com website was started in 2025 with the goal of showing others how to live a full, frugal life as a path to financial independence. Today, the site is moving up in popularity. You can find Frugal to FI on YouTube and Instagram.

Editorial Guidelines

At Frugal To FI we take pride in providing you accurate, reliable, credible, engaging and balanced information, and we review our content on an ongoing basis to ensure it is up-to-date and accurate.

We are committed to creating high-quality content that represents and serves all people, working to serve a diverse group of readers representing a wide range of ages, races, gender identities, sexual orientations, sexual orientations, ethnicities, and abilities, all of which reflects in our content.

Independence and Impartiality

​​We believe in independent, fair, and impartial writing. We hold accountable to a high standard of honesty and transparency, and our original editorial content is not influenced by our advertisers. As such, we maintain a strict separation between advertising and editorial content. Any content that is provided by or on behalf of an advertiser or sponsor, is clearly labeled as such.

Product Reviews

All product reviews on FrugaltoFI.com are independent and based on research and product testing conducted by our staff writers and editing team. We share the products we love and that we think our readers will love, too. If you visit certain links within our content, we may receive commissions from your purchases.

Sourcing and Fact Checking

The writing team investigate claims and verify all information and data gathered for all articles, including news. We consult relevant, diverse, qualified sources to ensure we’re providing proper context and background to the reader. 

We rely on current and reputable primary sources, such as expert interviews, government organizations, and professional and academic institutions and studies.

All of our news and information is thoroughly reviewed by the team and articles are rigorously evaluated for accuracy, relevance, and timeliness.

Corrections

If there is an error in a story, we will correct it as soon as possible.

Timely and daily news stories generally cover a distinct event in time, so they are not routinely updated. Our staff consistently reevaluates and updates evergreen content to ensure everything is timely, accurate, and relevant.

If you’ve noticed an issue or error, please bring it to our attention by emailing [email protected].

Inclusivity Pledge

At Frugal to FI we aim to help everyone create a fulfilling frugal lifestyle. Key to that mission is to understand the many structural and societal obstacles that our readers face and to respond with the most inclusive solutions.

We know that Frugal to FI readers are of many races, sizes, identities, and abilities, we form different relationships and families, and we follow different cultural and religious traditions. We want FrugaltoFI.com to be a valuable resource for all, and we will use our platform to foster inclusivity, equality, and human rights.

Contact

If you would like to advertise on FrugaltoFI.com, have a general question or comment, please email [email protected].

About Eleven23 Media, LLC.

Frugal to FI is part of Eleven23 Media, LLC., a digital publisher and media influencer team based in the United States.