One Step Wealthier

In today’s episode of One Step Wealthier , I talk about why I chose a simple, low-stress job over chasing titles or corporate recognition. I work as a receptionist—not because it’s my “dream job,” but because it gives me what I actually need: time, energy, and mental space to build my own dreams. I share why I’m not trying to turn my passion into a paycheck, why I’m okay with a job that funds my l...

In this episode of One Step Wealthier , I share what recent market volatility taught me about diversification and emotional peace of mind. We dive into the concept of negatively correlated assets — what they are, why they matter, and how they’ve helped me feel more secure with my investments. 💡 Topics we cover: What are negatively correlated assets? How gold, crypto, and cash can stabilize your p...

This episode started quietly—with a glass of wine and an evening alone—and turned into something deeper. I talk about the difference between loneliness and solitude, and how I went from craving connection to finding peace in my own company. From a party-filled life in my 20s to cycling solo through the Australian outback (and crying on the side of the road), I share how solitude became a source of...

In this episode, I share a deeply personal reflection sparked by a recent health scare. It wasn’t serious, but it made me stop and really consider how I spend my time, energy, and focus — and how often we overlook the most important investment we can make: our own health. You’ll hear about: Why energy is a resource worth protecting The real ROI of exercise, food, sleep, and rest How I approach fit...

In this episode of One Step Wealthier , I open up about a big realization I had on my FIRE journey—saving money, even on a low income, isn't enough. I share how I used to feel like a master saver, tucking away money even during call center jobs, only to find out that savings alone won’t build long-term wealth. We’ll talk about inflation (yes, the sneaky flatmate that eats your money), why your ban...

In this raw and real episode, I talk through all the jobs—yes, all of them—that helped me stay on track with my FIRE (Financial Independence, Retire Early) journey. From translation dreams crushed by reality, to countless call centers, barista gigs, flyer-handing, NGO fundraising, NHS interpreting, cat sitting, and finally landing in security—I’ve done it all. If you think you need to be a tech br...

Think financial independence is only for tech bros and high-earning couples? Think again. In this episode, I talk about pursuing FIRE (Financial Independence, Retire Early) on a modest income—on my own, living in London, without six-figure earnings or a partner to split bills with. I'm what you'd call a SINK: Single Income, No Kids. I cover: Why FIRE often feels like a high-income club (and why it...

In this episode of One Step Wealthier , I share the biggest lesson from a recent talk I gave to a group of women eager to invest— your 'why' matters more than the 'how' . Whether it's financial independence, personal freedom, or supporting loved ones, your motivation is the real engine behind consistent saving, investing, and personal growth. I dive into my own why—freedom to hike on my terms—and...

This episode wasn’t planned—but life rarely is. A single email this morning pulled me back to 2018, to the middle of the Pacific Ocean, on a yacht I had no business being on. With no sailing experience, not much swimming confidence, and a head full of doubts, I joined a 70-something New Zealander named Peter Mortimer on a voyage from Vanuatu to Australia. It changed me. In this unscripted episode,...

Ten years ago, investing felt like a secret language spoken only by men in suits. In this episode, I’m talking to the version of me that was too intimidated to even start—and to anyone else who thinks they’re not smart enough, too late, or not “finance-y” enough to invest. This one’s especially for women who’ve been told money isn’t their thing. (Spoiler: it is.) We’ll walk through: Why you don’t...

In this episode, I take you all the way back to where my investing journey began. Spoiler: it wasn’t glamorous — it involved peer-to-peer lending platforms, random gold purchases, and a lot of confusion. I didn’t grow up around people who invested, and everything I know now was self-taught, often through trial and error. I talk about: How I started with gold, silver, and even platinum The early mi...

In this episode, I reflect on what it feels like when everyone around you seems to be checking off life milestones—weddings, babies, "proper" jobs—and you're walking a completely different path. My best friend is getting married soon, and it brought up a lot. I talk about choosing freedom over expectations, solitude over convention, and how fulfillment can look very different from the traditional...

In this episode, I talk about something I find incredibly exciting—earning money while I sleep. Recently, I went on a two-week trip and realized that my investments quietly covered the whole thing. Food, hostels, beer, everything. That’s when it hit me: I could technically live off my “sleep money.” I’ll walk you through what that means, why it’s not magic, and how building passive income—even slo...

Last week, I talked about lifestyle inflation — the sneaky way our spending rises with our income. This week, I’m flipping that idea on its head with something I call lifestyle deflation . In this episode, I share how simplifying my life, working a low-pressure job, and hiking solo through the muddy wilds of Scotland taught me to appreciate real freedom and wealth. From wet tents to canned beans i...

Have you ever caught yourself spending way more than you used to on basic items—like underwear—and wondered, "How did I get here?" In this episode, I dive into my personal experience with lifestyle inflation, sharing how easy it is to let spending creep upwards as your income grows. Tune in to discover: Simple strategies to recognize and control lifestyle inflation in your own life Real-life examp...

In this episode, I share an honest observation that started in an airport queue—with a woman holding a printed chart of gold prices. From airport lounges to village bars, it seems like everyone suddenly has an opinion on gold. Why does this happen? And what does it really mean when an asset like gold becomes the center of casual conversation? I explore what it might signal when an investment is on...

In this episode, I share a very honest update about why I’ve decided not to pursue a traditional financial advisor role—for now. From studying for my diploma while working full-time, to realizing some roles don’t align with my values or lifestyle, it’s been a ride. I talk about the pressures, the pivot, and what’s next. If you've ever doubted your path, or felt like the “right” career wasn’t quite...

In this week’s One Step Wealthier podcast episode, we explore how overcoming obstacles makes us stronger. Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-AR I use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP. https://wise....

In this week’s One Step Wealthier podcast episode, we explore how important it is to start your day early for your personal success. Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-AR I use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of u...

Empower Yourself: Stop Playing the Victim and Take ControIn this episode of the One Step Wealthier podcast, we delve into the importance of empowering yourself by taking control of your life and stopping the cycle of playing the victim. We discuss practical strategies and mindset shifts to help you become the master of your own destiny and create the life and financial success you desire. Join us...

In this week’s episode of the One Step Wealthier podcast, we explore why investing in yourself should be your number one priority. From improving your skills and knowledge to nurturing your physical and mental well-being, we discuss the many benefits of prioritizing self-investment in both personal development and financial success. Tune in to learn how investing in yourself can lead to a happier,...

In this week’s episode, we explore the five essential skills that will make you irreplaceable by artificial intelligence. As technology advances, it's more important than ever to develop skills that set you apart from machines. From critical thinking and creativity to emotional intelligence and adaptability, we dive into how these skills can help you thrive in an increasingly automated world. Tune...

In this week’s episode, I discuss why I decided to stop following the news and why you should consider doing the same. With so much negative and sensationalized information bombarding us daily, I explore the impact that constantly consuming the news can have on our mental health and overall well-being. Tune in to learn how taking a break from the news can lead to a more peaceful and fulfilling lif...

In this week’s episode, I delve into the world of passive income and answer the burning question: how much money do you make while you sleep? Join me as I explore different ways to generate passive income and learn how you can start building wealth even when you're catching some Z's. Tune in for tips and tricks to help you achieve financial freedom and live the life of your dreams. Join me and ove...

In this week’s episode, I discuss the age-old question: is buying a property an investment? We delve into the pros and cons of buying a property as a means of building wealth. Whether you're a first-time buyer or a seasoned investor, this episode will provide valuable insights to help you make informed decisions about your property investments. Tune in to learn how to take the next step towards fi...