The Core Mission of Simpli-Fi.money
At its core, Simpli-Fi.money is about cutting through the noise of investing and showing you the simplest, most reliable path to wealth. I built this site to share what I’ve learned over the past two decades: that while there are countless flashy strategies and “hot” investment ideas out there, the game is ultimately won by saving aggressively, keeping things simple, and playing the long game.
Now, I’ll be honest, I didn’t start out knowing that. I’m 61 years old today, but I didn’t really begin focused investing until my mid-30s. And when I did, I made just about every mistake in the book. I chased margin plays, tried my hand at options, bought dividend stocks, invested in real estate, and even thought I could outsmart the market with clever trading. Some of those experiments worked for a while, many didn’t, and almost all of them were more complicated than they were worth.
The one thing I did get right, from the very beginning, was living on much less than I earned and maintaining a high savings rate. That discipline gave me the breathing room to recover from mistakes and the staying power to keep investing year after year. And over more than 25 years, the lesson became impossible to ignore: low-cost index fund investing isn’t just the easiest approach, it’s the one that actually works.
That’s the philosophy behind Simpli-Fi.money I’m not here to hand you secrets or sell you a magic formula. I’m here to coach you through the money game the same way I wish someone had coached me years ago, with honesty, clarity, and a focus on fundamentals. If you can save consistently, invest simply, and stay patient, you’ll give yourself the best shot at financial freedom. Your biggest returns come from the compounding effect of staying invested in a simple low-cost index fund. It takes compounding decades to show its strength, but once you see, it is impossible to ignore.
Money doesn’t need to be complicated. I’ve simplified the math into a calculator that will estimate how long it will take you to reach financial freedom or financial independence. Use my Financial Freedom/Independence Calculator (Coach Holdren’s Simple Economic Model (SEM)) to calculate how long it will take you to achieve these milestones.
You will find the calculator under the “S.E.M. Calculator” tab or click this Link: S.E.M. Calculator – Simpli-FI.money.