Savings rate above all
ReminderAt a 50% savings rate you retire in 17 years. At 10%, in 51.
- Computes your savings rate monthly
- Attaches the years-to-freedom math to every change
- Shows what one cut does to the date
The FIRE movement
Mr. Money Mustache
Your savings rate is the only number that matters. Luxury is a weakness leaving the body.
6,900 people run this system with Flip
The system
5 habits. Copy once, Flip runs them for you.
The car is the enemy
Scan lensCar payments, insurance, and gas quietly cost most people a fortune.
- Totals payment, insurance, gas, and parking
- Compares it to what your area actually requires
- Shows the all-in yearly number
Convenience is a luxury tax
BudgetDelivery, rideshare, and prepared everything are paying strangers to live your life.
- Budgets delivery, rideshare, and prepared food
- Flags the week it starts leaking
- Totals the monthly luxury tax
Insource your life
Live alertEvery skill you buy back is a raise you gave yourself.
- Spots repeat service spending you could insource
- Shows the yearly total per service
- Suggests the swap and what it saves
Index and ignore
Live alertBuy the index, keep buying, never watch the news.
- Confirms the monthly index buy happened
- Stays quiet about the market noise
- Alerts only if a buy is missed
What MMM's scan looks for
- Savings rate and the years-to-freedom it implies
- True all-in cost of your car(s)
- Convenience spending: delivery, rideshare, prepared food
- Recurring services you could insource
Running it in real life
11% → 24%
savings rate in 7 months
The scan put his savings rate at 11% and found $640/mo across car and convenience costs. Flip tracks his rate monthly with the years-to-freedom number attached. He is at 24% and the car is gone.
— Sam, 33 · Decent saver, curious how far freedom actually is
Copy the system, connect your accounts, and see what MMM would fix.
Copy MMM's system