Expenses - Optimized For Freedom

February 2026 Expenses

02 Mar 2026 2 min read Expenses

I review our finances at the end of every month. This post is focused on the expenses. I am curious to see how our February 2026 expenses compare to our February 2025 expenses

There is no such thing as good debt

15 Feb 2026 5 min read Early Retirement

There is no such thing as good debt for most people. Learn why even “manageable” debt still reduces cash flow, increases risk, and delays financial freedom.

January 2026 Expenses

01 Feb 2026 2 min read Expenses

I review our finances at the end of every month. This post is focused on the expenses. I am curious to see how our January 2026 expenses compare to our January 2025 expenses