Episodit
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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 giving a quick overview of this. You can also grab the PDF Cheat-Sheet (by clicking the link below) and following along while listening:
Link to Cheat-Sheet here: https://freedombeforefi.com/free-guides/
Freedom Before FI:
Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ worksheet at: https://freedombeforefi.com/free-guides/
Website: Check out our resources and services at www.freedombeforefi.com
Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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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) and has now guided hundreds of people on their Sabbatical journeys.
The things you’ll learn:
Lyndall’s background story and how she was able to take 11 sabbaticals Definition of a sabbatical Differences between Sabbatical, Career Breaks and Mini-Retirements Sabbaticals for companies and for individuals Typical reasons her clients take sabbaticals Her 4 Types of Sabbatical Takers How to use the time-off to reflect on your next steps What makes a sabbatical successful Step-by-step guide on how to plan a sabbatical The 3 Things to balance to get the sabbatical just right How to fund a sabbatical (and how she was able to) How to lower expenses on sabbatical What she really does as a Sabbatical Coach Any examples where sabbaticals didn’t work out Advice for those coming to the end of a sabbaticalQuick-fire round questions at the end:
Lyndall’s definition of Freedom The daily habits that helped her in her life Her most important lesson in life Lyndall’s Transformational book recommendations Biggest takeaway for listeners thinking of taking a SabbaticalLyndall’s Websites/Socials:
Sabbatical Coach Website: https://www.beyondabreak.com/ Join the Break Space Community: gobreakspace.com Connect with Lyndall on LinkedIn: linkedin.com/in/lyndallfarleyFreedom Before FI:
Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ Worksheet at: https://freedombeforefi.com/free-guides/
Website: Check out our resources and services at www.freedombeforefi.com
Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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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 I talk about her journey before knowing about Coast FI The toxic work environment that prompted her to make a change How she deployed her Coast FI strategy The freedoms she was able to gain using Coast FI Sabbaticals and part-time work The passion projects she was able to pursue because of her FI journey How she was able to go full time on her passion project (The Fioneers)Her motto is “The journey should be as remarkable as the destination”
Coast FI Story 2 - Anders Skagerberg from the Coast FI Guy
I talk about Anders’ work journey before knowing about Coast FI The work environment that prompted him to make a change The turning point that made him want to downshift his work How he deployed his Coast FI strategy The type of work which allowed him loads of flexibility Seasonal work and freelancing The passion work he was able to pursue because of his new found flexibility (including the Coast FI Guy)He says…. “I feel that I get 80% of the benefits of FI without having to wait for full Financial Independence”
Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ worksheet at: https://freedombeforefi.com/free-guides/
Website: Check out our resources and services at www.freedombeforefi.com
Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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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 concept of the book Key Lesson No. 1 Key Lesson No. 2 Key Lesson No. 3This episode wraps up the 5 part mini-series on the Financial Independence books that have helped us on our journey… and we’re still on that journey!
Books we covered recently:
Rich Dad Poor Dad Quit Like a Millionaire The Simple Path to Wealth How to Retire Early Die with ZeroFreedom 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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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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 or Lawyers and FIRE’d through consistency, hard work and time. Now the authors do things they love like travelling and creative writing using the Financial Freedom they gained.
Today’s topics:
Intro to the book Key Lesson No. 1 Key Lesson No. 2 Key Lesson No. 3Freedom 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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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On this episode I share 3 big lessons I learned from the book The Simple Path to Wealth by JL Collins. This is one of my favourite books on the FIRE movement and it helped me a lot to understand more about the stock market and index fund investing during my early research days.
Today’s topics:
Outline concept of the book Key Lesson No. 1 Key Lesson No. 2 Key Lesson No. 3Freedom 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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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We’re continuing our mini-series of the 3 biggest lessons I’ve learnt from Financial Independence books that have helped me on my journey (which I’m still on btw!). On this episode we’ll be diving into the book Quit Like a Millionaire - No Gimmicks, Luck or Trust Fund Required, written by Kristy Shen and Bryce Leung. They both retired in their early 30’s as Software Engineers to travel the world, write and help other people on their journeys as well.
Today’s topics:
Key Lesson No. 1 Key Lesson No. 2 Key Lesson No. 3Freedom 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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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It’s no secret that books can be life changing. In the next few episodes, I’ll be giving you my 3 biggest lessons learned from some Financial Independence books that have changed my life on my journey. Up first we have Rich Dad Poor Dad by Robert Kiyosaki.
Today’s topics:
Outline concept of the book Key Lesson No. 1 Key Lesson No. 2 Key Lesson No. 3Freedom 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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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I’ll be sharing how one of my favourite quotes can help you live an ‘easy life’. The quote is “Hard Choices Easy Life, Easy Choices, Hard Life” by Jerzy Gregorek. A Polish national who previously moved to the US as a political refugee. He went on to be a 4 time World Weightlifting Champion and holds one World Record.
Today’s topics:
Intro: what is the lesson behind the quote How its connected to our financial Independence and Freedom Small and big decisions related to the quote A quick practical exercise you can do to put the quote into action An interesting variation to the quoteFreedom 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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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If you’re finding it difficult to pursue your goals in life, you might be missing this one ingredient to your ‘successful life’ recipe. What is it you might ask, well its none other than ‘Compounding Time’. Just how Compound Interest works in your investment strategy, the theory can be applied to your time and ultimately your life goals.
Today’s topics:
An intro to time compounding A real life example Where I have used compounding time The negative sides to it The system you need to make it work A 4-Step Action Plan that you can do today to start compounding your own time and achieve your life goalsFreedom 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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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I got to speak with Steve Cummings, an American world traveller, a family man and a digital nomad who runs the personal finance blog ‘The Frugal Expat’.
Steve accelerated his path to FI when he moved to Taipei, Taiwan in 2017, by using Geoarbitrage and working as an expat English teacher. He recently moved to Melbourne, Australia with his family where he is now enjoying fatherhood and running his online business.
The things you’ll learn:
How learning about travel hacking got him into FIRE Why he quit his job in US and moved to Taipei, Taiwan as an expat How he was able to save 60% of his income living in Taiwan Using Geoarbitrage to accelerate his FI goals How meeting his partner made him even more frugal How others can be an expat English Teacher in Taiwan In-laws having different cultural mindsets on money Steve’s simple but effective investment strategy and his FIRE number target How he is able to invest in US Stocks while living abroad (Vanguard) His transition moving to Australia as a digital nomad after 6.5 years in Taiwan His leap into being a content creator and earning more that his previous job How Steve has found purpose and meaning throughout his journey The freedoms Steve has unlocked by being on his FI journeyQuick-fire round questions at the end:
Steve’s definition of Freedom Something Steve wished he done 10 years ago The daily habits that helped him in his life His most important lesson in life Steve’s Transformational book recommendations Biggest takeaway for listenersSteve’s Websites/Socials:
Steve’s personal finance website: https://thefrugalexpat.com/ Facebook: https://www.facebook.com/thefrugalexpat1 Twitter: https://twitter.com/thefrugalexpat1?lang=en Instagram: https://www.instagram.com/thefrugalexpat/ Email address: [email protected]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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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Do you find it hard to go out and socialise while in saving and investing mode? Perhaps you want to pursue your FI journey but still want to enjoy life and be saving and investing all at the same time. On this episode we give you 23 ideas of fun things to do that you can do with friends (or use to make new friends), and importantly doesn’t break the bank!
Today’s topics:
The 23 fun and frugal activities are split into the following 3 categories:
Low Preparation Ideas Medium Preparation Ideas High Preparation IdeasWe then conclude with 4 concepts that can help you during your Financial independence journey when it comes to going out and spending
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/
Website: Check out our resources and services at www.freedombeforefi.com
Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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I got to speak with Dave Visaya who talked about his transition from being a Nurse to now running multiples businesses, from a podcast production company to rental properties. He explains how he used entrepreneurship to accelerate his FI journey and create time freedom in his life.
Dave has been working on the production of the Bigger Pockets podcast for a number of years now and is also a podcast host and founder of the Big Picture Philippines podcast, where he has built a community of Filipino entrepreneurs.
The things you’ll learn:
Career Change:
How he transitioned from Nurse to Virtual Assistant and Why How he started working for the Bigger Pockets podcast as a VA What he learned working for Bigger PocketsPersonal Finance / FI:
The resources that sparked his personal finance and FI journey How he changed from fixed to growth mindset The ‘jar’ system he uses for saving and spending His FI target numbers and plans How being an entrepreneur affects his FI goalsInvestments:
His real estate investments / developments Index fund investing in US stocks Investments in Philippines: Pag-IBIG MP2 His failed investmentsEntrepreneurship:
Some of the businesses he runs: from rental properties to a coffee shop How entrepreneurship gives him time freedom His real estate portfolio overviewWrap-up questions at the end:
Dave’s definition of Freedom Something Dave wished he done 10 years ago The daily habits that helped him in his life His most important lesson in life 2-3 Transformational book recommendations Biggest takeaway for listenersDave’s Websites:
Podcast Production Company: https://www.podcastengineers.com/ Website development services: https://www.carveontech.com/ Virtual Assistant services: https://scalevas.com/ Coffee shop: https://www.facebook.com/cebuteamo/ Rental property business: https://www.facebook.com/pacificlivingph/ The Big Picture Podcast PH: https://www.youtube.com/channel/UCnETqyKtHYsANVDLFy31ugQFreedom 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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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Have you always wanted to invest in US Stocks, ETF’s or Index Funds from outside of the US as a foreigner or expat, but not quite sure how? I’ll be discussing the 5 steps on how you can invest in Vanguard funds like VTSAX, VTI, VOO, VWRA which we hear a lot about in the FI community
Today’s topics:
The 5 steps to invest in US Stocks, ETF’s or low cost Index Funds if you live outside the US:
Your local bank account Your Currency Changer Your International Broker The Index Fund Manager The US Stock or Index Fund itselfFreedom 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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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I got to speak with Kenneth Reyes-Lao about his interesting journey from living in a bustling city working in corporate, to moving to a smaller city with more nature, growing and selling his own chocolate!
Kenneth and his wife are founders of Cacao Culture, a social enterprise based in Davao which is in the south of the Philippines. Their mission is to spread love for Philippine Cacao and Chocolate!
They're also financial literacy advocates and are founders of the Facebook group ‘FIRE Movement PH’, where they bring together Filipinos globally to help each other on their Financial Independence journeys.
The things you’ll learn:
Career Change & Domestic Geoarbitrage:
Why and how he gave up a 6 figure salary to start his own chocolate business, earning around a third of what he was getting before. How he and his wife used lifestyle design to move from a capital bustling city to a smaller city with a slower pace of life and more nature How he used Domestic Geoarbitrage (i.e. spending around a quarter of his city apartment rent for a 150sqm house and garden) to give them a runway to experiment with entrepreneurship How he created the chocolate business with no farming or chocolate background at all How he finds purpose through his business and what he calls ‘living a blessed life’Financial Independence:
Why he started the Fire Movement PH Facebook group The advantages and disadvantages of pursuing FIRE in the Philippines Investment options for Filipino’s living in Philippines to pursue FIRE His 3 pillars of earning and accumulating money His FIRE number target and timeline to get thereWrap-up questions at the end:
Ken’s definition of Freedom Something Ken wished he done 10 years ago The daily habits that helped him in his life His most important lesson in life 2-3 Transformational book recommendations Quick things listeners can do this week if they want to get started doing something similar to himKenneth’s Socials:
Cacao Culture Facebook Page: https://www.facebook.com/cacaocultureph/ Cacao Culture Website: cacaoculture.ph (can order chocolates from website) Fire Movement PH Facebook group: //www.facebook.com/share/jQY9Yq8m1oV9ccnT/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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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If you’re considering taking a Sabbatical (A.K.A a Career Break or Mini-Retirement), and not quite sure what to do during it, I’ll be giving you some awesome ideas of things you can do while on your break.
Today’s topics:
The Sabbatical ideas are split into 4 archetypes:
The Explorer: ideas for those who want to explore the world or go on an adventure The Seeker: ideas for those that want to find their purpose or meaning in life The Achiever: ideas for those who want to accomplish something The Snoozer: ideas for those who need to rest and maybe recover from burnout (an extra archetype I added!)(The first 3 archetypes are coined from the Sabbatical Project as mentioned in the recording)
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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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We are joined by Allen, the host of the Youtube channel ‘Bohol is Awesome’. You’ll learn how he intentionally designed his life to get freedom along his journey.
Other than being a vlogger, he’s been a digital nomad for 12 years working remotely in different countries, he and his wife are entrepreneurs building businesses, he’s half Canadian and half Filipino and just an all round top guy!
Today’s topics:
Location Independence - finding location freedom being a digital nomad for 12 years and counting Reducing expenses on the road - how he used ‘house sitting’ to get free accommodation Paying off debt - by travelling to cheaper countries Using geographic arbitrage - living in Philippines but being paid in Canadian dollars Negotiating Part-Time Work - to create more time freedomAllen’s socials:
His Youtube channel Bohol is Awesome: https://www.youtube.com/@BoholisAwesome Facebook: https://www.facebook.com/boholisawesome Instagram: https://www.instagram.com/boholisawesome/ Email: [email protected]Freedom Before FI:
Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ Worksheet at: https://freedombeforefi.com/free-guides/
Website: Check out our resources and services at www.freedombeforefi.com
Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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We talk about alternative lifestyle options you can consider if you’re not so into your job anymore. We’ve split the options up into 3 groups,
Lifestyle options where you’re still working full time Lifestyle options where you’re working only partially Lifestyle options where you don’t need to work at allOn todays episode (Part 2), we cover the second and third groups. These options can also help you free up more time to do the things that you actually love to do.
Today’s topics:
Lifestyle options where you’re partially working:
Work Part-Time Job Sharing (alternative form of part-time work) Seasonal WorkLifestyle options where you’re not working at all:
Sabbaticals (a.k.a mini-retirements, career breaks and adult gap years)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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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We talk about alternative lifestyle options you can consider if you’re not so into your job anymore. We’ve split the options up into 3 groups,
Options where you’re still working full time Options where you're working only partially Options where you don’t need to work at allOn todays episode (Part 1), we cover the first group, options where you’re still working full time. We’ve then split these options up into three further groups, which are as follows:
Today’s topics:
Minor pivots: small beneficial changes you can make in your current job Intermediate level pivots: finding a better job Big pivots: like a career change or a portfolio careerFreedom 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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
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Have you ever dreamt of living in a tropical country full of delicious exotic food, pristine beaches and at a fraction of the cost compared to places like UK, US, Canada and Australia? On this episode, I highlight three of my favourite affordable cities in South East Asia to live, work and to help you save more money to reach your Financial Independence goals, or if you just want to improve your lifestyle.
Today’s topics:
Intro into South East Asia My favourite affordable city in Vietnam My favourite affordable city in Thailand My favourite affordable city in Philippines Common concerns travellers have with South East AsiaLiving in these places may also help towards your Geoarbitrage or digital nomad plans.
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/ Website: Check out our resources and services at https://freedombeforefi.com/ Email: If you want to connect, send me a note at [email protected]Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
- Näytä enemmän
