Driving Towards F.I.R.E.

Traveling Healthcare Professionals On a Mission For Financial Independence Living and Working from our 5th Wheel RV!

Before We Started RV Life
The RV Lifestyle
Our 5th Wheel RV
All Things FIRE Movement
Investing In Retirement
Health and Wellness On The Road
Lifestyle and Career Growth

Before We Started RV Life
The RV Lifestyle
Our 5th Wheel RV
All Things FIRE Movement
Investing In Retirement
Health and Wellness On The Road
Lifestyle and Career Growth

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drivingtowardsfire

RV’ing Our Financial Independence Journey
~ DEBT Paid: $168,656.79 (20 Months)
~ DEBT Left: $75,312.19
Locums CRNA, Financial Coach, @nomadikfitness

Can you (or could you) imagine cash flowing colleg

Can you (or could you) imagine cash flowing college?

I wish I did. Funny thing is, I worked fulltime the entire time I was in college. Using my income to pay for college tuition didn’t even register as a thought.

What if you analyzed the cost of each course towards your degree, took 12 credit hours, and you worked either part time (or fulltime) while completing your degree? The money earned while working paid for your courses & you didn’t need to borrow?!? What if you (or your kids) didn’t need FAFSA or other financial aid? Can you imagine what life would be like? I know what you are thinking, it’s NOT possible. But it totally is!

It takes 120 credit hours for most BS Degrees in 5 years. That 5 year plan would cost (public in-state tuition) $50,580. If you borrow a Federally backed student loan to pay for those courses, you would tally $90,211.69 total due to the principal & interest owed on a 10 year repayment plan. Almost double the cost originally. What if your career only paid you $40k annually? You would end up starting you new career in a BIG hole. Maybe you love your career but you end up resentful because the debt wanes so heavy on your mind (and pocket). Happen to anyone?

Fortunately for me, I used some of my income in college towards the cost of my books & I completed my BS degree with a total of $32k instead of over $50k. Took me over 10 years to pay it off! Here’s 2 things to use for yourself (or your kids) to cash flow college:
1. 529 Savings Plan. Tax-advantaged savings plan designed to encourage saving for future education costs. There’s 2 types, but the “Education Savings Plans” are the better option. In this savings, you can invest the money to grow tax free through mutual funds or ETFs & the funds can be withdrawn to pay for tuition, room & board, & other fees.
2. Brokerage Account (type of investment acc). There’s 2 types as well, “Full Service” & “Discount” Brokerage accounts. The biggest benefit with this account is there are no limitations on when you can withdraw money and for what purpose you can use it. You don't have to worry about penalties for early use.

You can totally cash flow college! Plenty of options!

Thinking BIG, Living TINY.. Romans 12:2. “Do no

Thinking BIG, Living TINY..

Romans 12:2.
“Do not be conformed to this world, but be transformed by the renewal of your mind, that by testing you may discern what is the will of God, what is good and acceptable and perfect”.

By default, RV’ers and Nomads do not conform to this world. Every RV’er younger than retirement age or older than has a story about a past life & their reason for choosing the RV lifestyle. I can tell you one thing, I bet there will be a huge influx of new RV’ers over the course of the next several months. I read recently that used RV sales are through the roof! Meanwhile, car dealerships are literally trying to just give cars away at this point.

I think we are like many out there who think big about our future and leverage living tiny to get there. To be honest, there’s only 2 things we miss about a sticks and bricks...traditional plumbing and the security of a home on foundation when a thunderstorm comes barreling through. Other than that, not much. You have days where you miss creature comforts and other days you remember what those creature comforts cost you.

For those full timers, what do you miss about living in a sticks and bricks home?

#rvlifestyle #rvlife #rvliving #livingtiny #tinyliving #homeonwheels #homeiswhereyouparkit #gorving #fulltimerv #travelgram #travelcouple #travellife #crna #locumscrna #travelcrna #locumslife #nomadiccrna #travelblogger #financialcoach #digitalnomads #blogger #moneycoach #alternatelifestyle

3 years ago we celebrated the 4th of July hiking a

3 years ago we celebrated the 4th of July hiking around the beautiful Blackwater Falls State Park in West Virginia. Have you been?

This 4th of July is much different, but some things will be the same. We’ll likely spend a good bit of time together with our pups, grill out here at the campground, and continue to plot and plan out our future.

So many things, events, lives, and plans have been disrupted by COVID this year, but we hope you all find ways to have a safe and happy 4th of July!

#happy4thofjuly happy4th #4thofjuly #blackwaterfallsstatepark #westvirginia #travelgram #travelcouple #travelcouples #rvlife #rvlifestyle #dogsofinstagram #rescuedogsofinstagram #rescuedogs #hikingwithdogs #travelwithdogs #rvlifewithdogs #hiking #hikingadventures #dogslife #welovestateparks #gsd #gsdofinstagram #gsdrescue

“Authenticity is the daily practice of letting g

“Authenticity is the daily practice of letting go of who we think we’re supposed to be and embracing who we are.” —Brené Brown.

October 23rd, 2018. The day we began living our authentic life. That date will likely never be forgotten and we might as well add it to our list of important dates.

>The day we got engaged 7/11/2009
>The day we got married 3/26/2011
>The day we paid off student loans 10/31/2019
>The day our authentic life started 10/23/2018.

In July 2018, we were in the middle of selling most of our stuff, getting our home ready to be rented, and selling 2 cars. It was a weird time...during that transition, we didn’t know what we were doing, but we knew we needed change. We didn’t know what truck to buy (SRW or Dually?), what the heck is GVWR?? What do we need for our RV? What kind? What about Internet on the road? Sooo many questions. Was this any of you as well?

For those soon to be fulltime RV’ers going through what we went through above...YOU’LL FIGURE IT OUT. You’ll likely make some mistakes too. Ask any fulltimer, I’d bet that each one of us has a ‘mistake story’. We sure do. Plenty of them. But none of those mistakes derailed us from being HERE.

Everyday we focus on our goals, we focus on what our future holds, everyday we make sure we’re living our lives authentic to us.

Life’s not about how you’re supposed to live it, it’s about how you choose to live it.

#brenebrown #lovebrenebrown #daringgreatly #travelcouple #travelcouples #travelgram #travelpassion #crna #locumscrna #locumslife #liveauthentically #travelcrna #travellife #rvlife #rvnomads #rvlifestyle #lifestyleblogger #debtfreejourney #drivingtowardsfire #fijourney #traveljourney #financialcoach #financialblogger #financialindependence

Interested in being a Locums CRNA? • We’ve had

Interested in being a Locums CRNA?
•
We’ve had the opportunity to connect with some other CRNAs recently who’ve messaged Meredith about what’s needed to become a Locums CRNA, so we thought we’d throw a very high level post together.
•
1. Experience. If you are fresh out of school, Locums likely isn’t the route for you...yet. Get some experience (trauma experience is great to have) first. Most places look for Locums with experience.

2. Get familiar with being a 1099 and work directly with a CPA for taxes. There’s a ton of info online and in forums, but make sure you always seek guidance from your CPA.

3. Invest in Disability insurance. Your hands are very valuable. For many, school was expensive, the hours worked as a RN were long. It was a long road to get here. Disability insurance will protect your hands. (It’s also a business expense for taxes).

4. Liability & malpractice insurance. Many Locums agencies may include these as you partner with them. Some choose to have their own independent policies. Review both options & choose what you are comfortable with.

5. State Licenses. Yes, they vary from state to state as far as requirements go. If you have a multi-state RN license that’s a great start, but you’ll need to research each state’s requirements for advanced practice. In some cases these licenses can take a couple of months to be approved. Plan ahead and give yourself time to receive them.

6. Take advantage of CEU conferences. CEUs can be a lot of effort, but plan a week inside of your contract to attend one of these conferences. You’ll stay up to date with most recent happenings, but it’s a good opportunity to network as well. Plus, you may get to travel somewhere new! (Also a business expense for tax purposes).

7. All inclusive rates. As part of your contract, you’ll need to make sure that your living expenses are factored along with your hourly rate.

8. Since we travel via our RV, we have a domicile setup for reporting our taxes from our home state. (We have a Post on our blog in greater detail about domiciles).

9. Scan and make copies of all licenses. Store them in the cloud (we use Dropbox).

“No one is so brave that he is not disturbed by

“No one is so brave that he is not disturbed by something unexpected”. — Julius Caesar.
•
So basically...LIFE, right? Life is full of the unexpected and we should be disturbed when we are blindsided by the unexpected, but these moments serve to create our ability to be brave. We can never be fully prepared for the unknown, I mean that’s why it’s called ‘unknown’ but our capacity to stand back up and face these adversities builds our strength.
•
Remember when you were a kid? If you grew up like I did, you didn’t really know what the unexpected was. Most of the time it was my parents protecting me from their unexpected. As time passed and something happened to me, it became my unexpected. Each one made me more prepared for the next.
•
Now, read that quote again...what happens when you change your perspective? Amazing how when we first read that quote we default the unexpected negatively. But what if the unexpected is exactly what we needed? What if it’s sole purpose was to shape our life in a way that we only thought existed in our dreams? That makes it completely different, right? Thinking this way allows us to feel open to the unexpected in a positive way.
•
As fulltime RV’ers, you always have to expect the unexpected. Good or bad. How you respond to it is what counts.
•
#travelcouple #tuesdaythoughts #traveltuesday #travelgram #rome #italy #travelcouples #travelblogger #quotestagram #fulltimervers #nomads #nomadiclife #rvlife #rvlifestyle #travellife #travelpassion #traveladventures #ourhoneymooninitaly #lifestyleblogger #locumscrna #crna #travelcrna #lifequotes

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DrivingTowardsFIRE Podcast

Ep.1 - Mike with RVFishingAdventures - RV’ing their FI Dream
Driving Towards FIRE Introduction
DrivingTowardsFIRE - A Focused Journey towards Financial Independence

Blog Categories

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Recent Posts

Cash Flowing College Tuition, Is it Possible?
July 6, 2020
Thinking BIG, Living TINY
July 5, 2020
Living an Authentic Life
July 2, 2020
Looking to Become a Locums CRNA?
July 1, 2020
Fulltime RV Life Lessons Learned: 20 Month Mark
June 29, 2020

Driving Towards FIRE 2018

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