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Welcome to the site, and thank you for spending your time here!

I’m Lauren Vignec. By age 40, I achieved financial freedom.


Financial freedom means that you could retire if you wanted to. It is the point at which you could live the life you want purely off of investments and passive income. You can achieve financial freedom, too, on your own terms.

Maybe financial freedom is not your goal. Maybe financial security would be enough–an end to money worries. Or perhaps you are doing well but worried that retirement will always be just out of reach.

Or, maybe you just want to take control of your finances.

No matter who you are, and no matter what money means to you, you will find something here at Spend Smart, Live Rich that you can immediately apply to your day-to-day life.

Spend Smart, Take Control, and Live Rich