FatFIRE Woman
Wealth is not the goal.
Agency is.
For those building freedom on their own terms.
What You Can Do Here
Know Where You Stand
Get an honest read on your financial position—not vague goals, but concrete numbers with specific gaps identified.
Tools: Income Percentile Calculator, Net Worth Calculator, NYC FIRE Calculator, Retirement Calculator
After this: You’ll know exactly where you rank and what to focus on next.
Invest Without Second-Guessing
Simple fund selection that outperforms complexity. No stock picking, no timing, no anxiety.
Tools: Vanguard Fund Guide, Fidelity Fund Guide, Wellington Analysis, Portfolio Comparison
After this: You’ll have a portfolio you understand and can stick with for decades.
Build Systems That Stick
Replace willpower with defaults. Design an environment where the right financial behavior is automatic.
Tools: Budget Worksheet, Rent vs Buy Calculator, Home Affordability
After this: Your money runs itself. You check in quarterly, not daily.
Raise Kids Who Can Handle Money
Teach financial thinking, not just saving. Build kids who can weather uncertainty and make independent decisions.
Reading: Essays on family finance, allowance systems, teaching risk
After this: Your kids understand compound interest before they understand peer pressure.
Worth Your Time
Rent vs Buy CalculatorThe math on whether renting or buying builds more wealth for you.
NYC FIRE CalculatorYour real financial independence number for New York City—with Monte Carlo simulation.
Vanguard Wellington FundDeep dive into the classic 65/35 balanced fund for retirement.
Best Fidelity FundsFSKAX, FXAIX, FZROX and the top Fidelity picks for 2026.
Net Worth by AgeHow does your wealth compare? Federal Reserve data by age group.
Die With ZeroThe book that reframes what you’re actually optimizing for.
When Will the Stock Market Crash?How to think about volatility without losing sleep.
I’m Veronica.
I’m a systems thinker who spent years building complex products and now applies that same rigor to personal finance. I treat money as infrastructure—something that enables optionality, not something to optimize endlessly.
I believe in building capability over chasing metrics. In calm decisions over reactive ones. In raising kids who can handle uncertainty rather than shielding them from it.
Here you’ll find frameworks for thinking about wealth, practical tools I actually use, and essays on the intersection of money, decisions, and family. No hype, no hustle, no lifestyle performance.
This isn’t financial advice. It’s a builder’s perspective on the long game.