Welcome to Simpli-FI.Money with Coach Holdren
Money doesn’t need to be complicated. With the right habits, anyone can achieve financial freedom. At Simpli-FI.Money, we break it down into a simple formula:
- Spend less than you earn. Live intentionally, avoid lifestyle creep, and focus on what truly matters.
- Invest the Difference. Immediately invest the difference into low-cost index funds, automate the process, let compounding do the heavy lifting.
- Avoid debt. Don’t let credit cards, car loans, or oversized mortgages hold you back, choose wisely, live below your means.
- Give it time to Grow. With patience and consistency, decades of compounding will set you free.
Your investments become your Freedom Account, the money that allows you to live life on your terms when work becomes optional. Whether your goal is financial freedom or financial independence, it all starts with simple, repeatable steps. Our simple formula is the foundation for wealth building habits.
We also help you understand the basics of wealth building:
- Assets put money in your pocket.
- Liabilities take money out.
- The wealthy buy assets first, then use the income from those assets to afford the things they want.
At Simpli-FI.Money, our mission is to “simplify” how “money” works so you can make confident financial decisions, build real wealth, and design a life of Financial Independence (“FI”).
Money doesn’t need to be complicated. We’ve simplified the math into a calculator that will estimate how long it will take you to reach financial freedom or financial independence. Coach Holdren created the S.E.M. Calculator to help you estimate your own financial timeline. The S.E.M. calculator will help you estimate how long it will take you to reach Financial Freedom or Financial Independence given your Long-term Savings Rate (assuming you start at zero).
You will find the calculator under the “S.E.M. Calculator” tab or click this Link: S.E.M. Calculator – Simpli-FI.money.
Coach Holdren’s Blog discusses topics on money, investing, Financial Freedom/ Independence, and thought experiments with respect to financial decisions in a fun, thought provoking way.
Latest articles posted 27 Nov 25 to 3 Feb 26: Thought Experiment: On Compounding (Part I), (Part II), (Part III), (Part IV) and (Part V). Coach Holdren tells the story of a patient farmer to illustrate how compound interest transforms small, consistent actions into exponential wealth over time. It reminds readers that true financial growth rewards persistence and discipline, not speed or luck. (Part of the Financial Thought Experiment series).
Latest article posted 16 Nov 25: My First Introduction to Financial Literacy: Coach Holdren talks about how the book “Rich Dad Poor Dad” by Robert Kiyosaki totally changed the way he thought about money. (Part of the Money Made Simple series).
Topics to Explore:
- Developing Long Term Habits:
- Money on the Field Series: This series provides practical advise to parents on how to teach financial responsibility.
- The Core Financial Habits Series: This series goes over the four core financial habits of the Simpli-FI.money approach.
- Financial Thought Experiments
- Capitalism vs. Consumerism: Most people think they’re building wealth through capitalism, but they’re actually trapped in consumerism, spending instead of owning. To win the real game, you must focus on investing, ownership, and long-term growth.
- The 80-20 Portfolio Mix Strategy: Why Warren Buffet recommends placing at least 20% of your Portfolio in short term US Treasuries and the rest (80%) in a low-cost ETF that tracks the market.
- The Real Cost of a Car: This posts discusses four ways to buy a car and the true cost associated with each method.
- Money Made Simple: This series of posts explain that managing money is simple math. The path to wealth is in building habits that takes advantage of math’s simple law of compound interest.
- Thrift Savings Plan: Straight forward advice to US military or Government Employees who have access to the Thrift Savings Plan.