Welcome to ToFinance! If you’ve ever felt the magnetic pull of remote work, slow travel, and a life designed entirely around freedom, you’re in the right place.
We created this site because the most exciting version of Financial Independence isn’t about rigid, extreme savings—it’s about Coast FIRE: saving a large enough nest egg early so that compound interest covers your retirement, allowing you to coast through the rest of your career on flexible, low-stress work.
This strategy is the perfect fit for Digital Nomads, Freelancers, and location-independent entrepreneurs who value flexibility more than a massive early retirement date.
Our Mission: Accelerate Your Coast, Secure Your Future
The mission of ToFinance is simple: to provide the specialized financial and logistical knowledge needed to achieve Coast FIRE while traveling the world. We help you front-load your savings, optimize your taxes globally, and leverage geoarbitrage to radically reduce your cost of living.
Our content is structured around the four cornerstones of the Nomad Coast FIRE journey:
- Variable Income Velocity: Budgeting and investment strategies tailored for the unpredictable nature of freelance and business income.
- Global Tax & Residency: Navigating the complex world of international taxes, FEIE, and establishing legal residency for maximum financial efficiency.
- Geoarbitrage & Coasting: Practical guides on leveraging low-cost-of-living countries to dramatically speed up your journey to the Coast FIRE number.
- Nomad Business Scaling: Strategies to scale a location-independent business using automation, freeing up your time for travel and enjoying the “coast.”
Why ToFinance Understands Your Goals
This platform is run by individuals who have personally navigated the complexities of location independence and high-variable income. We know that your goal isn’t necessarily to stop working; it’s to stop needing to work.
We understand the specific challenges you face:
- Tax Confusion: The stress of filing for taxes in multiple jurisdictions.
- Income Whiplash: The difficulty of planning when one month is high-paid and the next is slow.
- Lifestyle Optimization: The constant trade-off between travel expenses and savings velocity.
We are dedicated to providing clear, actionable guides so you can spend less time worrying about your money and more time exploring the world.
Ready to Start Coasting?
Your most powerful tool for achieving a life of location and financial freedom is your Coast FIRE number. Let ToFinance help you hit it faster than you ever thought possible.
Welcome aboard. The world is waiting.