Tools that allow us to work a Personal Financial Independence Plan: Today on our Financial Graduate Call we discussed important tools that allow us to reach our goals of Financial Independence. The first tool we mentioned is using some type of financial spreadsheet or software to start to document one’s personal spending. This is critical to start with. Many people don’t know exactly where they are in relation to their finances. They may feel that their situation is grim but they don’t know the facts until they record them. We […]