A couple who quit their 9-to-5s and built a 7-figure net worth say their first step to financial independence had nothing to do with money

Kelan and Brittany Kline were newly married, carrying roughly $40,000 in student-loan debt, and working jobs with schedules that rarely overlapped.

The couple, who met in high school in Rochester, New York, were earning steady paychecks — Kelan as a jail deputy and Brittany as an elementary school teacher — but they didn’t feel particularly in control of their time or finances.

One night at the dinner table, they confronted that stress.

“We sat down and said, ‘This is not working,'” Kelan told Business Insider. “We kind of just had this brainstorm of, ‘What’s working? What’s not working? Where are our finances at?'”

That conversation helped set…

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