We’re here to teach common sense finances

What we do

CONSULTATION

In our consultation sessions, Psy will answer your specific financial questions, list your goals, and address your ongoing issues.

COURSES

Get an exclusive course program to help you further understand
financial independence and retiring early investing strategies.

COMMUNITY

Join the private FIRE community to discuss the latest and greatest FIRE strategies. It’s the best place to ask questions and get the latest information about the financial independence movement.

RESOURCES

Check out our financial independence calculator, debt payoff spreadsheet, and retirement calculators completely free of charge!

What we do

Consultation

In our consultation sessions, Psy will answer your specific financial questions, list your goals, and address your ongoing issues.

courses

Get an exclusive course program to help you further understand
financial independence and retiring early investing strategies.

Community

Join the private FIRE community to discuss the latest and greatest FIRE strategies. It’s the best place to ask questions and get the latest information about the financial independence movement.

Private client

Consider becoming our private client to take your financial independence journey to a whole other level.

Meet Psy

My financial independence journey began in 2014 when I had $110K in total consumer debt. I lived way above my means and was in over my head. I completed my debt-free journey in 2 years by the age of 30. By the end of 2016, I’d managed to save over 60% of my gross income. By 2021, my net worth reached over $1 million.

I became a financial coach to help people like you get out of debt, create a budget, and achieve financial freedom. I started my YouTube channel in 2021 to share my F.I.R.E. progress. My website offers financial coaching services, free spreadsheets, and personal finance calculators. I hope you find my experience helpful in starting your F.I.R.E. journey.

Testimonials

Working with Psy has been a total game changer for our family. Before meeting him, I was incredibly stressed and overwhelmed, feeling like our finances were out of control and retirement was out of reach.Psy changed everything. He took the time to truly understand our concerns and goals and created a realistic, customized plan to pay off our debt , optimize our budget and be able to save over 40% which allowed us to redirect that money to get to our target goals of emergency fund and downsizing expenses to secure our retirement.

Psy is patient, proactive and has a gift for explaining complex strategies in a way that actually makes sense. He truly goes above and beyond, always making himself available for questions and providing the peace of mind we were missing. For the first time , i feel secure and in control of my family’s future. I cannot recommend Psy highly enough!

Wesene

Private Client

I have found Psy and his team to be invaluable partners in managing my investments, spending habits, and overall financial strategy! His passion for his work is evident in his attention to detail and commitment to client success. Since 2025, my net worth has increased by over 36%, allowing me to surpass the $500,000 milestone.

Psy has been instrumental in guiding me through the optimization of my Roth IRA, HSA, and 401(k), all while helping me maintain a disciplined and sustainable monthly budget. Beyond his technical expertise, Psy is a dedicated educator who genuinely cares about each client he serves. His team consistently delivers exceptional support and professionalism. I am grateful for their guidance. Thank you, FIRE Psy Chat!

Mason

Private Client

Since joining the Private Client Program in 2024, the experience with Psy has been really rewarding. He strikes a great balance between big-picture strategy and actionable, everyday plans, which has helped us not only make the right moves but actually understand our finances along the way. We’ve paid off our $125k in student loan debt and have been steadily growing our savings. Psy is patient, thorough, and always reachable, which makes a huge difference when questions come up in real time." -Corey & Boyang

Corey & Boyang

Private Clients