About The Fire Race

This blog is about making sense of personal finance. I cut through the noise surrounding money to help you achieve financial independence and finally live the lifestyle you desire.

Life isn’t simple – and it isn’t easy. The path to achieving financial independence for most is full of challenges. The goal of this blog is to help you overcome these challenges to start living the life that you have been dreaming about. I provide you with recommendations, helpful tools, and personal stories about my journey towards this lofty goal.

My story


Hi, my name is Chris Carter and I’m fascinated by all things money. I’ve spent most of my adult life working in automotive sales and finance – and watching person after person go into huge amounts of debt on a depreciating asset!

Now, I work for an automotive technology company and I spend my days helping car dealers maximize their websites and advertising. However, my true passion lies in maneuvering through the complex topic of money. 

Outside of work, I love being outside! I live in Western NC and spend as much time as possible mountain biking, hiking, and tinkering in my wood shop.

My better half, Lacey, is an absolute blessing and my dog, Gracie, helps to keep life interesting. 


Money is one of those strange topics: everyone has an opinion, but most of them are wrong! When you think about how almost 80% live paycheck to paycheck (according to a CareerBuilder survey in 2017), there has to be a better solution. It isn’t rocket science, but it does take consistent effort to achieve your goals. Since we are on the topic of goals, I’ll share mine with you. They are:


  • Get out of student loan debt
  • Achieve a $0 net worth
  •  Save $50,000 for retirement
  • Build a passive income stream of $5,000 a month
  • Pay off my home’s mortgage

Thanks for stopping by! I hope you stay for awhile. Please send me a message if there is anything that I can do to be of assistance. 

Life is hard enough already – money problems do not need to make it even harder.