Welcome to Changing Our Default, or COD! Less than one year ago, we felt stuck in our jobs and thought financial independence was an impossible dream. Now, we’re nearly debt-free, Mrs. COD is a full-time stay-at-home mom, and we have genuine plans for redesigning our jobs for maximum freedom. We’re not trying to get rich. We’re making smarter money decisions to buy back our time, because that’s what truly matters in this life.