Marcus Patel,

Marcus Patel is a FIRE (Financial Independence, Retire Early) enthusiast and engineer-turned-blogger who achieved financial independence in his mid-30s. With a Bachelor's degree in Mechanical Engineering and a passion for data-driven strategies, Marcus writes about geo-arbitrage, early retirement math, aggressive saving, low-cost investing, and career optimization. A data nerd at heart, he loves spreadsheets and backtesting strategies. Marcus now lives part-time abroad, cycles daily, and mentors others on escaping the 9-to-5 grind without burnout.

Author Archive: Marcus Patel

Subprime Auto Loans Explained: Rates, Risks & How to Protect Yourself

Auto Loans

The Auto industry is starting to see better sales, but this might be due to the fact that more people are receiving subprime auto loans

Four Reasons To Get Pre Approved For a Car Loan Before You Shop

Auto Loans

Before you go out and begin shopping for a new or used car, consider getting pre approved for a loan. To get approved for a car loan in advance, you...

Bad Credit Auto Loans: How to Get Approved & Avoid Predatory Rates

Auto Loans

One of the biggest movers of the economy is auto sales. Like home sales, the auto sales reports are watched closely by economists because as the sales pick up,...

Public Service Loan Forgiveness (PSLF): How to Qualify & Maximize Your Benefit

Student Loans

If you’re fortunate enough to win a scholarship, or if you qualify for a grant, going to college may not be a major financial burden. Sure, you’re still responsible for...

Savings & Investment

New investor reviewing their first brokerage account on a laptop while avoiding common investing mistakes

5 Mistakes New Investors Make With Their First Brokerage Account

Learn about new investor mistakes. Discover 5 costly errors beginners make with their first brokerage account and how to avoid them from the start.

Savings & Investment

Side-by-side comparison of money market account and treasury bills for short-term cash storage

Money Market Account vs Treasury Bills: Where to Park Your Short-Term Cash

Learn about money market vs treasury bills. Compare yields, liquidity, and risk to find the best place to park your short-term cash and maximize returns.

Savings & Investment

Investor reviewing DRIP investing strategy with dividend growth chart on laptop

Dividend Reinvestment Plans: How DRIP Investing Builds Wealth on Autopilot

Learn about DRIP investing strategy. Discover how dividend reinvestment plans compound your wealth automatically with little effort or extra capital.

Smart Spending

Shopping cart filled with bulk items in a warehouse store illustrating common buying in bulk mistakes

5 Mistakes People Make When Buying in Bulk (And How to Avoid Them)

Learn about buying in bulk mistakes. Discover the 5 most common bulk shopping errors and practical tips to save money without wasting it.

Smart Spending

Person using a budgeting app on smartphone alongside labeled cash envelopes for digital envelope budgeting

How to Use Cash Envelopes in a Digital World for Better Budget Control

Learn about cash envelope budgeting digital. Discover how to adapt the envelope method using apps and digital tools to take control of your spending today.

Smart Spending

Middle-income earner reviewing spending habits and budget to start building wealth

5 Spending Habits That Keep Middle-Income Earners From Building Wealth

Learn about spending habits that prevent wealth. Discover 5 common money mistakes middle-income earners make and how to break them to start building lasting wealth.

Marcus Patel,

Author Archive: Marcus Patel

Recent Posts