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Financially Independent(ish)

Madison Sharick, CFA, CFP

A newsletter dedicated to all things Coast FI/RE.

Platform
Substack
PricingFreemiumPublishesWeekly
Issues27SubscribersRead financiallyindependentish.substack....

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Latest Issues

Recent posts by this newsletter. Browse the email archive.

Can You Make Mega Backdoor Roth Contributions in 2026?

What the Mega Backdoor is, where it happens, and how to do it.

13 days ago
2
0
Paid

How to Spend Less Without Trying

Freezing your credit cards — like literally putting them in a bowl of water in your freezer — is actually touted as a budgeting hack. The first time someone said this to me, I was certain they conflated freezing their credit at Experian wit...

19 days ago
61
9

How to Access Roth Principal Early

Roth investment accounts grow tax-free into the future, so you understand the hype. To be more specific, when I say future, I mean after age 59.5. This is when Roth assets (and any other retirement accounts) become fully tax-free. If you wi...

a month ago
2
0

The Spending Circle of Shame

Driving to my childhood home in central Pennsylvania for Thanksgiving, my husband and I talked at length about how many daily advertisements our kids absorb. We were on a road that’s heavily trafficked with plenty of red lights. I don’t kno...

a month ago
9
0

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Authors

The writers behind this newsletter.

  • Madison Sharick, CFA, CFP

    Advice-only financial planner by day. Coast FI/RE enthusiast by night. I want more women to have more money.

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