Frugal Harpy: Aggressive Frugality for Financial Independence & FIRE
The frugal path to retiring early — without hype, gurus, or pretending a latte is why you’re broke. Save hard, invest simply, get out early.
New Here? Start With These
Understand FIRE
The complete beginner guide to financial independence and early retirement.
Read the Guide →Get Out of Debt
Your step-by-step plan to become debt-free and build momentum fast.
Read the Guide →Cut Costs Aggressively
Practical frugal living strategies that actually move the needle toward FIRE.
Read the Guide →Core Guides: Your Frugal Path to Financial Independence
FIRE
The complete guide to retiring early through aggressive saving and smart investing.
Frugal Living
How to cut costs on housing, food, and transport — the moves that actually add up.
Debt Freedom
Crush debt fast and free up your income for saving and investing.
Investing 101
Simple, low-cost index investing — the FIRE community’s proven wealth-building playbook.
Retirement Accounts
401(k)s, Roth IRAs, and tax strategy — max these out and reach FIRE faster.
Boost Income
Widen the gap between earning and spending — the other side of the FIRE equation.
What You’ll Actually Learn Here
How to calculate your FIRE number and work backward from it
How to cut the big expenses — not just lattes — for real savings
How to invest simply and consistently without becoming a finance nerd
How to design a work-optional life on a normal income
Join the Frugal Path to FIRE
Get aggressive frugality tactics and FIRE updates — no hype, no spam.
Latest Articles
Debunking 5 Common Money Myths That Hold You Back
Don’t let these outdated beliefs sabotage your financial future…
Read More →10 Practical Ways to Cut Costs Without Feeling Deprived
Real strategies that save thousands while keeping life enjoyable…
Read More →Best Index Funds for Beginners in 2026
Low-cost, proven options to start building wealth toward FIRE today…
Read More →Join Readers Building Real Financial Freedom
Your privacy is respected. We never share your data.
Ready to Take the Frugal Path to Freedom?
Frugal Harpy is for people who are done with the 9-to-5 grind and serious about getting out early. No fluff. No preaching. Just the frugal strategies that actually build financial independence.
Read The Latest Posts