In today's episode, Cody and Justin are joined by Chad Methner from Little Brother Life Coach. Chad really wants to encourage people how to reach FI even if they're nowhere near a six-figure salary. We discuss his battles during the recession, finding himself in a job he hated, and how he came through it all. You'll catch Chad now helping others through coaching and setting up local meetups. It's a unique angle so go listen and follow along with the summary below and make sure to check out the links at the bottom of the page. Episode Summary Chad first discovered financial importance from a Dave Ramsey book he stumbled across The parts about debt pay off really hit Chad He's still $20k in debt from college After high school, he just did some manual labor while he tried to figure out what to do for college He got half off tuition thanks to his dad's job at Ohio State After college, he couldn't land a job because it was 2009 and the recession was in full swing He didn't rack up any debt from college until he got his masters in 2015 While the job he had did some tuition reimbursement, it still cost him $25k in debt That along with a car and some other loans left him with over $40k worth of debt He continues at this job making under $11 per hour After he got his masters he went to try and get a promotion Unfortunately, they didn't give him any options After six years there he had maxed out at $13.25 an hour and decided to leave He landed a new job and almost doubled his income to just under $50k and in a role where he was more comfortable We asked why he staid at that first job so long unhappy and underpaid For Chad, it was just comfortable and easy but he finally had enough The discussion swapped to how he saves money on this lower-income The biggest thing for him was cooking at home It turned into a full-blown hobby instead of just a money saver He plans to be out of debt in 3-5 years His big goal is to retire before age 55 and hit that $1M mark Chad is also trying to build up side hustles including coaching and writing a book Then we discuss the "poverty-tax" and the importance of an emergency fund Key Takeaways Everyone can benefit from this journey: Chad began this journey on as little as $10.75 per hour and it's changed his life. Your velocity may be different but the impact is still extremely meaningful. We can always help: Although Chad is still working through his debt payoff, he still has a lot to teach other low-income individuals chasing FI. Don't settle for misery: Chad obviously stayed at his first job too long. After 6 years he was still underpaid and forced into positions he hated. Regardless of pay, working in a job you hate is never worth it. Call to Action Start planning some frugal activities and trips. Maybe even take a look at activities you currently do and find a frugal alternative. Join the Community We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community! Sign up for our exclusive newsletter Join our Facebook Group Leave us a voicemail Send an email to contact [at] TheFIshow [dot] com If you like what you hear, please leave a rating/review! The FI show on iTunes The FI show on Android   Contact Chad: Via his blog Little Brother Life Coach Catch him on Twitter In our Facebook group! Learn More About Your Hosts: Fly to FI (Cody’s Blog) Saving-Sherpa (Justin’s blog)