Freedom Before FI | Life Design, Purpose, Sabbaticals, Coast FI & Financial Independence (FIRE)

Is Financial Independence only for those with high six figure salaries? On this episode, I discuss some example scenarios on how members of the FI community can achieve Coast FI (Cost Financial Independence) based on an average salary. Coast FI is a milestone on the way to traditional full FI and it can help unlock freedoms along the way. Coast FI Calculator referenced on the show: https://walletb...

What is it really like to quit your job and live a life of financial independence? Matt from the Financial Imagineer shares his story of how he was able to reach FI by 37, step away from his job and live a nomadic life with his wife and kids for the last 8 years. Matt currently lives in Basel, Switzerland but has also lived in Singapore and Taiwan working in investment management. He runs the blog...

In the last episode we talked about the magic ingredient you need for a well lived life. That magic ingredient was knowing yourself. The more you know yourself (i.e. what are your values, what you like and what you don’t like etc.) the more you’ll be able to live in alignment with your ideal life, simply because you’ll have designed it in a way that aligns with what really matters to you. This is...

There’s one thing that you need to have nailed down to design a life you love. On today’s episode I will be talking about what that is and how it can help you lead a well lived life way before achieving financial independence.  Freedom Before FI Links: Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ worksheet at: https://freedombeforefi.com/free-guides/...

”How we spend our days is how we spend our lives”. Essentially, the way we choose to use our time each day, with its small actions and decisions, ultimately shapes the course of our entire life. If we live each day meaningfully, our life as a whole will be meaningful too. I’ll be continuing the mini-series talking about how to spend the precious time we have left on this earth. I also give you som...

The average person will spend around 90,000 hours of their life working. So it’s worth choosing the right career so that you get a good return on your time investment. Today I’ll be continuing the mini-series talking about the importance of choosing the right career for you. I will also give you a 4 step exercise on how to find the career that fits your goals and lifestyle. In this mini-series, I’...

In this series, I’ll be discussing some life decisions you really have to get right to stay on course for your financial goals. These decisions can also shape your life in general. Today I’ll be continuing the mini-series talking about the importance of choosing the right location to live for both your FI journey and for living your ideal life. I will also give you a 7 step exercise on how to find...

In this series, I’ll be discussing some life decisions you really have to get right to stay on course for your financial goals. These decisions can also shape your life in general. Today I’ll be kicking this series off with how to choose the right life partner for you. This is probably one of the biggest decisions we can make on our journey, it’s one that not only has a big impact on our finances...

If you’re not a fan of budgets, I’ve come across this simple and unconventional saving method that I’d like to share with you today. This should also help you accelerate your journey to a Financial Independence milestone (like Coast FI, Lean FIRE, Traditional FIRE etc.), or even if you’re saving towards something big like a holiday, a sabbatical or even your first home. Freedom Before FI Links: Fr...

Are you being called ‘cheap’ or ‘stingy’ on your journey to Financial Independence. I discuss the difference of being frugal vs being cheap and what I do to deal with people thinking I’m being tight while I'm saving. I then give you a little framework you can use to make good intentional purchasing decisions. Freedom Before FI Links: Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet a...

44. Why We Fail our Goals (and 7 Tips to Overcome Them) I delve into 4 typical traps that stop people doing the actions to achieve their life goals. I then give you 7 tips to dodge these traps so that you can successfully get to your goals in life. Whether you want to achieve Financial Independence, start a side hustle, go on sabbatical, be self employed, lose weight - whatever your goals are for...

Do you suffer from always writing your yearly goals down, but never finding time to actually do them or they just fade away after a few weeks? On this episode I take you through a simple exercise you can do in under 1 hour to set you up well for achieving your goals. Whether you want to achieve Financial Independence, start a side hustle, be self employed, lose weight, whatever your goals are for...

How does your upbringing influence your money decisions today? We got to chat with Shang Saavedra of Save My Cents who talks about this very thing. Shang achieved work optional at 31, she has a 15 year career in management consulting and last year (at 37 years old) she quit her 6 figure career to spend more time with her kids. She Started Save My Cents - a personal finance platform - in 2017 focus...

Not quite sure what goals to aim for in the new year? Today, I give you an easy framework to use to create clear achievable goals to set you up well for the new year.  Using the ‘333 method’, I take you through 8 easy steps. At the end of the exercise you will have created a simple 3 month plan to take on the first quarter of the new year. You can do this exercise in your free time in just under o...

We got to chat with Katrina McGhee, a Career Break & Sabbatical Coach. She Helps 9-5ers create mind-blowing career breaks. She’s a certified Master Coach with an MBA, and left a high paying corporate career for a 20-month career break to travel around the world. She’s also the author of the book ‘Taking a Career Break for Dummies’. The things you’ll learn: Her own experience of being coached b...

I talk through the 10 rules of Ikigai. These are the rules that the longest living people in the world follow (centenarians) to live a balanced and healthy life way into their senior years. The authors of the book ‘Ikigai’ (which is loosely translated as your reason for being or simply your purpose in life) interviewed over 100 people living in Ogimi in Japan which also had the nickname ‘The Villa...

I talk through the 10 rules of Ikigai. These are the rules that the longest living people in the world follow (centenarians) to live a balanced and healthy life way into their senior years. The authors of the book ‘Ikigai’ (which is loosely translated as your reason for being or simply your purpose in life), interviewed over 100 people living in Ogimi in Japan which also had the nickname ‘The Vill...

The 10 rules of Ikigai: These are the rules that the longest living people in the world follow (centenarians) to live a balanced and healthy life way into their senior years. The authors of the book ‘Ikigai’ (which is loosely translated as your reason for being or simply your purpose in life), interviewed over 100 people living in Ogimi in Japan which also had the nickname ‘The Village of Longevit...

If you’ve been struggling to find purpose, a side hustle, a new career or your next chapter in life, this episode is for you! Consider this a finding your purpose ‘starter kit’. This episode will help you figure out what you'd love to do with your time. I will be taking you through a free guide I've prepared that takes you through a series of powerful questions to navigate you in the right directi...

On Career Changes: We got to chat with career coach Lisa Hoashi, an ICF certified coach and for the last 10 years she’s been helping professionals and businesses improve their work life, by using their big picture goals. She specialises in helping people at crossroad moments and transition periods helping them gain clarity to take new steps forward to a more meaningful and authentic path.  The thi...

If you’re wondering what kind of freedom options are open to you before reaching Financial Independence, don’t worry as I got you! I’ve put together a colourful cheat-sheet which gives you some freedom ideas based on the money stage you’re at. These options range from giving you more time to do things you love, to making small life pivots to enhance your happiness and wellbeing. Today, I’ll be giv...

We got to chat with Lyndall Farley, a Sabbatical Coach passionate about the transformative benefits of Sabbaticals. She guides people to design a break that helps them recharge, reflect and reimagine their next chapter in life and work.  Lyndall also works with companies setting up Sabbatical programs to boost employee wellbeing and retention. She has taken 11 sabbaticals (solo and with her family...

I share 2 stories from prominent members of the Slow FI Community who have used Coast FI to help them get freedom from toxic work environments and follow their passions. The first one is Jessica from The Fioneers and the second is Anders Skagerberg from the Coast FI Guy. Today’s topics: Coast FI Story 1 - Jessica from The Fioneers I give a summary of her story on how Jess used Coast FI in her life...

This week I’ll be giving you my 3 biggest lessons learned from the mindset shifting book Die With Zero ‘Getting All You Can from Your Money and Your Life’, written by Bill Perkins in 2020. This is not your typical FI book, but it helped shift our thinking - especially those in the FIRE community - on how we use money to get maximum fulfilment and enjoyment out of our lives. Today’s topics: Outline...

On this episode I share 3 big lessons I learned from the book How to Retire Early ‘Your Guide to Getting Rich Slowly and Retiring on Less' by Robert and Robin Charlton. This was an awesome hidden gem of a FIRE book, and what made it even more awesome was that both Robert and Robin retired early at the age of 43 without earning massive salaries to travel the world. They were not Engineers, Doctors...