Welcome to the site, and thank you for spending your time here! I’m Lauren Vignec, the creator of SpendSmartLiveRich.


I’m a financial advisor for clients with hundreds of millions of dollars in assets, and also for middle-class couples who are just starting to invest for retirement. In terms of investment philosophy I am a proud Boglehead, and a co-author of the “Bogleheads Guide to Retirement Planning”, published by Wiley and Sons. I’m also the preacher at Salishan Eastside Lutheran Mission, a church dedicated to ex-prisoners, addicts, and anyone who often doesn’t feel welcome at a regular church. I’m an Enrolled Agent and in a past life spent years doing taxes for small business-owners of all sorts.

In other words, I am one of the few people anywhere who has real, concrete, day-to-day experience with the personal finances of just about the whole range of American society, from the very poor to the very rich.

I grew up quite working class. At the age of 40, I achieved financial freedom. You probably have very different goals than I do, and money probably means something very different to you than to me.

No matter who you are, and no matter what money means to you, my hope with this website is that you will find something here that you can immediately apply to your day-to-day life. You started off wherever you started, your past experiences are whatever they are, and you have learned the lessons you’ve learned so far. Now it’s time to move forward.

If you are interested in working with me, follow these links:


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Lauren Dance
Did I mention being in the Shadow Shifters street dance crew? Check us out!

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