Think you can't make a difference?
You have more power than you think.
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Make your commitment:
How does the 🔸10% Pledge work?
The 🔸10% Pledge is a public commitment to give at least 10% of your income to the organizations you believe can most effectively use it to improve the lives of others. This can be 10% of your active income if you are still employed, or 10% of your retirement income if you are fully retired or have scaled back from working.
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You choose the charities that you believe can do the most good and report and track your giving on your personal pledge dashboard
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We show you your giving history, connect you with other pledgers, and report on our impact as a global community of people committed to creating a better world
Not ready for 10%?
If you’re not ready to fully commit, you can try the 🔹Trial Pledge which allows you to try giving any percentage for a custom duration — you decide!
Be a bold voice for change
We're here to shift the norms around charitable giving in the FI community. Let’s break the taboo of talking about giving—the more we share and inspire one another, the closer we get to a better world. Taking the pledge makes your commitment clear and shows others that generosity is a natural extension of a rich, purposeful life.
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"As a couple, we have been laser focused on frugality and saving to enjoy the freedom that comes with financial independence. We understand so well that it can feel intimidating or downright painful to part with money that could otherwise build the freedom fund. But donating truly doesn't feel like parting with our own money. It feels like sharing joy and abundance. We've found that giving creates joy in our own lives and that of others. And it helps us embrace a mindset of abundance. We love finding the causes that mean the most to us and knowing they will thrive with a helping hand.
Carla & Robert 🔹
Pledged Apr '25
Let's break common misconceptions
Want to give but don't know where to start?
We believe in choosing charities that are highly effective and well-researched. As optimizers, the FI community values making every dollar count—charitable giving should be no different. Through our partner organization, Giving What We Can, you can discover charities that achieve up to 100x more impact per dollar.
Hear our thoughts on effective giving
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I'm a true beginner. Will I be able to keep up?If you can use a computer and you understand basic math, then you are more than able to take this course and learn to invest.
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What do I need to take the course?You don't need anything, but ideally you are able to get access to all your bank account information so you can begin taking action starting Day 1 of the course.
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I wanna get rich quickly. Can you teach me how to do that?We can teach you how to get rich. But not quickly. Building wealth in a stable, growing manner doesn't happen overnight. If you're looking for a get rich quick scheme, this isn't it.
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What type of investments will I learn about?You'll learn about stocks, bonds, and funds. We do not teach alternative investment strategies such as real estate, cryptocurrency, angel investing, etc. We are solely focused on passive investment strategies, investing without having to spend hours and hours doing research.
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Does it matter what age I am?The strategy we teach in this course is best for those who have not yet reached traditional retirement age. So whether you are still in school or you are well into your career, this course is right for you.
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Is this course only for people living in the U.S.?The investing approach we teach is global in nature, but the nitty gritty accounts and taxes that are explained are U.S. focused.
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I heard you used to teach this class live? Why is it online now?We decided to move online so we could reach more people. The live course had too many time restraints. However, we know a lot of you like to ask questions. So we are still offering live options for groups of people (10 or more). Please reach out if you are interested in something like this.
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You said all profits go to charity. What are your costs?Most of the hard work put into Yield & Spread is volunteer-based. People have contributed their time and energy because they believe in our cause. Therefore, all of our operating costs are attributed to making this course available to you (our website, hosting our course online, etc.) We're quite lean and our annual costs are estimated to be <$700. So every dollar above and beyond that goes to charity.
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What if I'm not satisfied with the course?We're committed to making you happy. If you pay for one of our courses and are not satisfied, you can request a refund within 3 weeks (21 days) after your payment. Please reach out with any questions. We don't offer partial refunds.