Welcome to Loco Is Free! By now, I’m sure you’re wondering what in the world is “Loco Is Free”? Loco Is Free is taken from the first two letters of our names, Lou, Cody, and Isabelle “Loco Is”. The “Free” part, well, that’s what this blog is all about.

For now, this blog is about how we are becoming “free” from debt, travel for free, and save for retirement. We hope that we can inspire others with our approach at becoming Financially Independent.

We are not only going to show you how we are getting out of roughly $50k in debt in about a year, but also show you how we travel for free (or pretty close to free) while we are doing it. Once we wipe out this debt and make a few lifestyle changes, we will continue to show you how we plan on investing our surplus of cash each month, quarter, and year. This will allow us to retire with an ample amount of money spread across different tax-exempt and tax-advantaged accounts.

A few months ago I came across some literature that completely changed my life, and being married to a registered nurse (oncology), we both realize that time is the most precious thing we have, and we both want to maximize our time with family, people we love, and planning as many adventures as possible.

We have all made mistakes in our lives, there’s no question! The important thing is that we have learned from our mistakes and are now making decisions that will lead us down a more successful path. Mistakes are inevitable, and I am choosing to use each mistake as an opportunity to learn.



“It’s not how many times you get knocked down that count, it’s how many times you get back up”

              -George Custer


It never hurts to have a little Custer in your life!

So that’s about it. Thanks for taking the time to stop by, and let me be the first to welcome you to Loco Is Free!


Lou, Cody, and Isabelle