My Financial Freedom Journey


My name is Moe. I am the creator and owner of Paper By Moe.

The pandemic allotted me so much time to have to reflect on my financial journey and lack of progress. 

In December 2019, I graduated from Graduate School. Initially on my educational journey, I took out about $55,000 worth of student loans but with interest, 5 years in undergraduate school, and 2 years in graduate school, my grand total amounted to $107, 683.10.... 6 figures worth of student loans. 

Within the first year of my journey, Summer 2020 to Summer 2021, I managed to pay off  all of my credit card debt and car loan debt totaling up to about $16,000. This came with dedication, eating Ramen noodles daily, as well as working side hustles ( printables, planners, and Door Dash ) everyday after my full time job, where I would bring home about $1,300 every 2 weeks.

My goal is to become Financially Independent & Retire Early (F.I.R.E Journey). In the beginning, I just wanted to be out of debt, but now i desire more. I want to be out of debt and to be able to retire early and enjoy the fruits of my labor and enjoy the wonders of the world. 

As I climb out of debt and work to become financially independent with my soon to be husband, I will be documenting my journey via YouTube, sharing tips & tricks on my blog as well as creating budgeting resources for all the budgetees out there on their journey! 

I am so grateful you have stopped by. Please take a look at the resources I provide on this website and join the community! 



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