High-school sweethearts started a blog while carrying $40,000 in student debt. By 30, their net worth topped $1 million.

Brittany and Kelan Kline are the cofounders of The Savvy Couple.

Courtesy of The Klines Kelan and Brittany Kline founded The Savvy Couple, a finance blog, in 2016.

The blog evolved into an online business that generated $1.3 million in 2023.

As their income grew, their expenses did not, allowing them to invest their way to a seven-figure net worth.

Before launching The Savvy Couple in 2016, Kelan Kline had reached a breaking point.

He and his wife, Brittany, had recently married, bought a starter home, and begun paying down roughly $40,000 in student loans.

Brittany was an elementary school teacher, while Kelan worked as a jail deputy.

The couple, who grew up in Rochester, New York and began dating in ninth grade, had little control over their schedules.

Their shifts rarely overlapped, leaving them with little time together.

"We were working opposite shifts," Kelan told Business Insider.

"We never got to see each other." One night, they sat down at their dinner table and tried to define their "ideal lifestyle." Their vision looked little like their current lives: It centered on family, flexibility, and control over their time.

"I was after time freedom," Kelan said.

"I was so sick and tired of someone else telling me when to come to work, forced overtime, and denying my vacation." Turning a $2.95-a-month blog into a 7-figure business With a clearer picture of the life they wanted, the Klines began reverse-engineering it.

Inspired by two personal finance blogs they followed, Making Sense of Cents and Millennial Money Man , they decided to build an online business focused on money.