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Explorez tous les épisodes du podcast Freedom Before FI | Life Design, Purpose, Sabbaticals, Coast FI & Financial Independence (FIRE)

Plongez dans la liste complète des épisodes de Freedom Before FI | Life Design, Purpose, Sabbaticals, Coast FI & Financial Independence (FIRE) . Chaque épisode est catalogué accompagné de descriptions détaillées, ce qui facilite la recherche et l'exploration de sujets spécifiques. Suivez tous les épisodes de votre podcast préféré et ne manquez aucun contenu pertinent.

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76. Quitting Corporate for a Creative Career w/ Michelle Varghese (Build a Wealthy Spirit) 27 Aug 202501:07:54

Michelle Varghese left her corporate career in tech sales in 2021 to take a sabbatical and pursue her passion projects. What was supposed to be 1 year sabbatical turned into an indefinite one. She started creative projects (like the Build a Wealth Spirit Podcast with her sister Sammie), which led to different work opportunities and collaborations. They worked together on the podcast for 4 years, she’s built a readership of 1,200 on Substack, an engaged audience of over 2,300 on X, has worked with communities like Small Bets, The Pathless Path, Write of Passage. She also created courses and now focus on being a writing coach.


We wanted to get her on the show as she is an inspiring example of how to go about pursuing work that is meaningful to you whilst balancing your finances at the same time.


Watch the full interview on YouTube:

https://youtu.be/3zjkNJdd_8A


The things you’ll learn:

  • The 3-5 projects keeping her busy right now
  • How she got into writing coaching  
  • Her experience and advice for others taking a sabbatical
  • How she got into FIRE and reaching Coast FI  
  • How entrepreneurship has affected her FI strategy
  • Her investment portfolio
  • How she affords her creative journey and her monthly expenses
  • How she is less focused on retirement and is already enjoying her life
  • Her creative journey from leaving corporate until now
  • Running a podcast with sister for 4 years (Build a Wealthy Spirit)
  • Creative projects that stemmed from podcasting
  • Finding creative mentors
  • Getting into writing
  • Creating a sabbatical course
  • Working with online communities
  • Challenges on the creative journey 
  • About her journey and purpose
  • Her ‘Sparketypes’ - Performer and Maven - how it shoes up in her life now
  • Her writing coaching and the process of being a writing student
  • Advice for beginner writers 
  • Advice about taking a leap into creative journey


Quick-fire round questions at the end:

  1. Something she wished she done 10 years ago
  2. The daily habits that helped her on her journey
  3. Her most important lesson in life
  4. Her transformational book recommendations
  5. 1-2 small things listeners can do this week to get started 


Michelle Varghese (Links):

 

Freedom Before FI Links:


Listen to FBF on Apple Podcasts:

https://podcasts.apple.com/ph/podcast/freedom-before-fi-life-design-purpose-sabbaticals-coast/id1740083285


Listen to FBF on Spotify:

https://open.spotify.com/show/0XxPgEeuGayTqaEwUE19mk?si=cc8639ad8c28474e


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

75. The One Superpower that Saving and Frugality Gives You21 Aug 202500:07:25

There are some obvious and common benefits to being on the FI journey, although there are a few little aspects that are not talked about as much when in fact they are superpowers. On this episode I talk about the hidden benefit of saving and investing and how it can significantly help you especially when faced with difficult moments in life.


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

66. The Books That Changed Their Lives (Finance and Self Development Books)22 Jun 202500:11:09

In my first year of running this show I’ve interviewed some amazingly talented individuals and I wanted to package some of their pearls of wisdom in a few short episodes. Today, you will hear the transformational books that have helped shape their lives. These books are mainly self development and personal finance/financial freedom related. There are also some podcast and YouTube channel recommendations as well.

On this first part you will hear from the following guests:

  1. Episode 18: Allen from Bohol is Awesome Link To Episode 
  2. Episode 20: Kenneth, founder of the FIRE Movement PH Facebook Group Link To Episode
  3. Episode 22: Dave Visaya, from the Big Picture PH Link to Episode
  4. Episode 24: Steve, from the Frugal Expat YouTube channel Link to Episode


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

65. The Simple Daily Habits of 8 Highly Effective Podcast Guests (Part 2)15 Jun 202500:05:38

In my first year of running this show I’ve interviewed some amazingly talented individuals and I wanted to package some of their pearls of wisdom in a few short episodes. Today you will hear snippets of those golden nuggets and continuing with that theme you will hear the positive daily habits that have helped them in their journeys. On this second part you’ll hear from the following guests:


Episode 35: Career Coach Lisa Hoashi Link to Episode

Episode 40: Career Break Expert Katrina Mcghee Link to Episode

Episode 42: Shang Saavedra, from Save My Cents Link to Episode

Episode 53: Matt from the Financial Imagineer Link to Episode


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

64. The Simple Daily Habits of 8 Highly Effective People (Part 1)07 Jun 202500:07:35

In my first year of running this show I’ve interviewed some amazingly talented individuals and I wanted to package some of their pearls of wisdom in a few short episodes. Today you will hear snippets of those golden nuggets and continuing with the theme you will hear the simple daily habits that have helped them in their journeys. On this first part you will hear from the following guests:

  1. Episode 20: Kenneth, founder of the FIRE Movement PH Facebook Group & Cacao Culture Link To Episode
  2. Episode 22: Dave Visaya, from the Big Picture PH Link to Episode
  3. Episode 24: Steve, from the Frugal Expat YouTube channel Link to Episode
  4. Episode 33: Sabbatical Coach Lyndall Farley (Beyond a Break Community) Link to Episode


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

63. 9 Expert Guests: Share Their Most Important Lesson in Life (Part 2)29 May 202500:05:18

In my first year of running this show I’ve interviewed some amazingly talented individuals and I wanted to package some of their pearls of wisdom in a few short episodes. Today you will hear snippets of those golden nuggets starting with their most import life lesson so far in their journeys. On this second part you will hear from the following guests (guest 6-9):

  1. Episode 35: Career Coach Lisa Hoashi Link to Episode
  2. Episode 40: Career Break Expert Katrina Mcghee Link to Episode
  3. Episode 42: Shang Saavedra, from Save My Cents Link to Episode
  4. Episode 53: Matt from the Financial Imagineer Link to Episode


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

62. 9 Expert Guests: Share Their Most Important Lesson in Life (Part 1)24 May 202500:06:44

In my first year of running this show I’ve interviewed some amazingly talented individuals and I wanted to package some of their pearls of wisdom in a few short episodes. Today you will hear snippets of those golden nuggets starting with their most import life lesson so far in their journeys. On this first part you will hear from the following guests (5 of 9):


  1. Episode 18: Allen from Bohol is Awesome Link To Episode
  2. Episode 20: Kenneth, founder of the FIRE Movement PH Facebook Group & Cacao Culture Link To Episode
  3. Episode 22: Dave Visaya, from the Big Picture PH Link to Episode
  4. Episode 24: Steve, from the Frugal Expat YouTube channel Link to Episode
  5. Episode 33: Sabbatical Coach Lyndall Farley (Beyond a Break Community) Link to Episode


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

61. 3 Steps to Start Index Fund Investing w/ Ryan King (of Making Money Simple)15 May 202501:07:43

Ryan is the host of Making Money Simple, a personal finance platform helping people (mainly based in the UK) save and invest. He’s been steadily investing for 7-8 years, amassing around 140k pounds in investments mainly through global index funds. He recently moved from the UK to Australia and calls himself a ‘normal bloke’. On this episode, Ryan breaks down the step by step process of how to invest in global index funds from his book ‘Stop Waiting Start Investing: Build Wealth With 10 Minutes Of Work’.

The things you’ll learn:

  • Ryan’s quick intro
  • What life is like in Melbourne, Australia
  • How he invests from Australia
  • Ryan’s hobbies and interests on his FI journey
  • Is Making Money Simple his Ikigai
  • His investment portfolio allocation (140k GBP total invested)
  • Global index funds and why he recommends them
  • How much money Ryan has invested compared to gains
  • Books that influenced his investing journey
  • Mistakes he’s made on the journey
  • Ryan’s FI target number
  • Balancing saving and living a good life
  • Why he wrote the book Stop Waiting Start Investing
  • How beginners can start investing
  • Part 1 - Investing foundation
  • Part 2 - Index funds Overview
  • Part 3 - 3 step blueprint to investing (platforms, tax-advantaged accounts, index funds)
  • How much to invest monthly
  • Potential Part 4 of the book


Quick-fire round questions at the end:

  1. Something you wished you done 10 years ago?
  2. The daily habits that helped Ryan in his life
  3. Ryans most important lesson in life
  4. Ryans transformational book recommendations
  5. 1-2 small things listeners can do this week to get started investing


Watch on Youtube:

https://youtu.be/Ik-6zVrjUVM?si=VS9M17utKTStE1vv


Ryan’s Websites/Socials:


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

60. 4 Important FI Life Lessons (From Running a 16km Race Event)09 May 202500:08:22

Sometimes you need to shut off or put yourself in a situation without gadgets and gismo’s to reflect and think. Long distance running events are a great way to do that. I recently ran a 16km race in Manila and I was reminded of some key life lessons - on the financial independence journey - while on the race and I wanted to share them with you.


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

59. Early Retirement in Panama and ‘The Ultimate Mini-Retirement Guide' with Andy Ovaseas30 Apr 202501:12:24

Our guest today Andy Ovaseas retired early at 35 and used Geoarbitrage (living in a low cost of living country) as well as tax advantages living in South America (Panama) to help him get there. Andy writes at the blog ’60 Seconds to FIRE’ and also is the author of the book the ‘Ultimate Mini-Retirement Guide'. He also runs a Facebook group ‘Retire with Geo FIRE’ which has over 2,700 members and counting.


The things you’ll learn:

  • How long Andy has been FI
  • The reality of being Financially Independent 
  • How being FI has made him more productive
  • His journey to get to FI by 35 
  • How he started investing in Crypto 
  • Why he moved to Panama (and Tax Advantages)
  • The Basics of Options Trading and how he uses it to earn an income
  • His monthly passive income targets
  • How you can return an extra 10+ % from trading Options
  • How Options pays for his living costs 
  • How others can move to tax advantage country and also trade options for income
  • Benefits and challenges of doing geoarbitrage in Panama
  • Mini-retirement guide book - introducing the book and why he wrote it
  • Advice for anyone thinking about geoarbitrage and mini-retirements - using the book as a guide - step by step process from before the trip to while on the trip
  • Integrating into a new community 


Quick-fire round questions at the end:

  1. Something you wished you done 10 years ago?
  2. The daily habits that helped Andy in his life
  3. Andy’s most important lesson in life
  4. Andy’s transformational book recommendations
  5. 1-2 small things listeners can do this week to help them retire early


Andys Websites/Socials:

  • Facebook Group: https://www.facebook.com/share/g/15XJXUESbz/Retire with GeoFire 
  • Andys Book: The Ultimate Mini-Retirement Guide: https://www.amazon.com/dp/B0DWKVB2M4
  • Substack: https://60secondstofire.substack.com/
  • FAT FIRE Conference (more details in the FB group)


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

58. The Formula for Happiness (Living a Happy and Productive Life)23 Apr 202500:08:14

We have been trained since we were young to approach happiness in the wrong way. On this episode we talk about the alternative way to approach our lives so that we can lead fulfilled lives on our journey to Financial Independence. 


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

57. The One Mindset Shift You Need for A Successful Life16 Apr 202500:07:51

Most of us have it wrong when we are aiming for a goal or aspiration, this one mindset shift is very simple but profound and can really help push you to achieve success in your life. We can use this for aspirations like finding happiness, finding freedom, achieving our relationship goals, achieving our personal finance goals and so on.


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

74. Crafting Your Best Life Now Before FI w/ Justin Peters of the FI Minded Podcast14 Aug 202500:51:02

Justin Peters the host of the FI Minded Podcast (formerly the Struggle is Real Podcast). Started in 2020 and now has over 175 episodes. FI Minded is for anyone who wants to achieve financial freedom, live life on their own terms, and, most importantly, enjoy the journey along the way! After a 7 month sabbatical in 2020, he got into entrepreneurship after 7 years in corporate and now runs a podcast production company (SimplePod Studios), reducing his 9-5 job to part time. I really wanted to get Justin on the show because we share a similar message, which is about enjoying the journey to FI and taking advantage of the incremental freedoms you unlock on the way. Justin’s reached Coast FI and has unlocked a few of those things on his journey and its what we’ll be talking about today...

The things you’ll learn:

  • His FI number target and progress to date
  • His investment portfolio split
  • His 8 year FI journey and what started it
  • His salary, expenses and savings rates
  • Transition from corporate to entrepreneurship
  • How he’s less concerned about saving now
  • His 7 month mini-retirement
  • Advice for taking a sabbatical and what to do on one
  • The projects he started while on sabbatical 
  • His podcasting story
  • Going back to work after a sabbatical
  • Downshifting to a part time role to focus more on his business
  • How his business aligns with his identity 
  • How to negotiate part time work with your boss
  • Reaching Coast FI & incremental freedoms on FI journey
  • How he structures his week for success (juggling podcasting, part time role and business)
  • What would change in his life if he reached FI 
  • Working towards building a life you don’t want to retire from
  • The power of ‘FI Bucket Lists’


“There are smart managers out there that realise they’d rather get a portion of a very high performing employee than a 100% of an underperforming employee” (Justin on negotiating part time work)

Quick-fire round questions at the end:

  1. Something he wished he done 10 years ago
  2. The daily habits that helped him in his life
  3. His most important lesson in life
  4. His transformational book recommendations
  5. 1-2 small things listeners can do this week to get started 


Justin Peters (Links):


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

56. The Risks of Coast FI and How to Overcome Them (Pt. 2)09 Apr 202500:10:52

We know what most of the benefits are for using Coast FI (or Coast Financial Independence) as a strategy to start enjoying our lives sooner. However, there are some pitfalls and downsides we do need to be aware of before jumping into Coast FI. On this episode I’ll be continuing on from the first part although the potential risks and downsides on this episode are not commonly talked about.


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

55. The Risks of Coast FI and How to Overcome Them (Pt. 1)02 Apr 202500:11:12

We know what most of the benefits are for using Coast FI (or Coast Financial Independence) as a strategy to start enjoying our lives sooner. However, there are some pitfalls and downsides we do need to be aware of before jumping into Coast FI. On the next two episodes I’ll be discussing what those are and some ways to tackle them. This episode will cover downsides 1-3.


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

54. Reaching Coast FI on an Average Salary (Alternative FIRE Strategy)26 Mar 202500:12:11

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://walletburst.com/tools/coast-fire-calc/


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

53. The Reality of Early Retirement with Matt from the Financial Imagineer19 Mar 202501:11:44

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 Financial Imagineer “offering inspiration to take action in order to chase dreams and make them become reality: Financially Imagineering your life”. Matt also provides financial coaching and has been featured on a number of podcasts like Catching Up to FI, The MapleMoney Show and Well Kept Wallet Podcast.


The things you’ll learn:

  • Matt’s backstory of how he became FI at age 37
  • How he learned from 140 “crazy rich asians”
  • The FI blogs he read on his journey
  • Quitting his job
  • How he rented out a room that covered the mortgage interest costs
  • His monthly passive income target from dividends to become FI
  • His investment strategy and portfolio allocation
  • Buying properties abroad in Taiwan and Singapore 
  • Using debt and as a tool to get to his FI goals
  • Fixed income investments
  • Matts blog article - The 3 Main Levers for Achieving FI
  • Advice for listeners on how to use the 3 levers
  • Why we need to do a financial health checkup
  • How long it took Matt to get to FI
  • Setting family goals and his 5 year plans with his wife
  • Matt’s reasons for aiming for FI
  • Freedoms Matt has unlocked on the way to FI
  • Mini Retirements and Sabbaticals
  • What is the reality of being FI and how is life now


Quick-fire round questions at the end:

  1. The daily habits that helped Matt in his life
  2. Matt’s most important lesson in life
  3. Matt’s transformational book recommendations
  4. 1-2 small things listeners can do this week to help them on their journey to FI


Matt’s Websites/Socials:


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

52. 5 Ways to Get to Know Yourself Better (The Key To Life Design)12 Mar 202500:10:15

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 the essence to life design and finding freedom before reaching Financial Independence.


In this episode we discuss 5 different ways to get to know yourself better. There’s also a bonus one at the end!


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice



51. The Magic Ingredient to a Well Lived Life05 Mar 202500:08:19

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:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

50. How to Spend Your Time Wisely (Decisions That Impact Your Life & Money Goals Pt.4)26 Feb 202500:09:56

”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 some pro tips at the end to ensure we’re not wasting it too! 


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

49. How to Choose A Career (Decisions That Impact Your Life & Money Goals Pt.3)19 Feb 202500:10:49

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’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 how you live your life in general.


Freedom Before FI Links:



Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

48. How to Choose Where to Live (Decisions That Impact Your Life & Money Goals Pt.2)12 Feb 202500:09:45

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 the location that is perfect for you.


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

47. Choosing Your Life Partner (Decisions That Impact Your Life & Money Goals Pt.1)05 Feb 202500:09:16

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 but also our sanity! 


I will also give you 3 steps on how to find the right partner for you, one that hopefully brings joy and peace instead of stress.


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

73. 3 Ways I’ve Implemented Slow FI (Intentional Living)07 Aug 202500:07:25

Slow FI (or Slow Financial Independence) is a philosophy coined by the Fioneers that focuses more on intentionally enjoying your journey to FI as oppose to focusing purely on the numbers and speed at which you get to retire early. Its about designing your life intentionally with your values so that you can enjoy the fruits of your hard earned savings now, instead of grinding it out to the finish line. On this episode I talk about 3 ways that I’ve implemented the Slow FI concept in my journey to bring about more happiness and alignment with my values.


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice


46. Hate Budgeting? Try This Simple Saving & Investing Strategy28 Jan 202500:06:17

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:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

45. Intentional Spending: Are You Being Frugal or Just Cheap?22 Jan 202500:10:44

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:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

44. Why We Fail our Goals (and 7 Tips to Overcome Them)15 Jan 202500:13:16

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 the year these tips will help you get there.


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

43. How To Actually Execute and Achieve Your Goals This Year 08 Jan 202500:13:14

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 the year, you can use this method to make sure you stay on track.


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

42. Wealth is a Mindset: Change Your Mindset to unlock Financial Freedom w/ Shang Saavedra01 Jan 202500:51:03

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 focusing mainly on the mindset side of money. She’s also the author of the upcoming book Wealth is a Mindset ‘Change your mind, change your money’ which is being released January 2025.


The things you’ll learn:

  • How Shang was able to achieve ‘work optional’ status by 31 years old 
  • Why she quit full time career and pursued motherhood and Save My Cents instead
  • The biggest expenses people in the US have and ways to reduce them
  • True cost of owning a car and how she saves money on food
  • How she handled not going out to eat and alternative solutions to eating out
  • Hiding her wealth and handling people perceiving her as ‘cheap’
  • How she started her personal finance platform Save My Cents
  • How Instagram has changed over time
  • Why she focused on mental health with her Instagram content
  • Connecting childhood and mental health
  • Introducing her new book Wealth is a Mindset: Change your Mind, Change your Money
  • The 3 root causes of unhealthy money behaviours
  • Her ‘Trigger, Action, Reward’ tool to tackle the root causes 
  • Growing up in a migrant household 
  • Advice for people considering to have kids


Quick-fire round questions at the end:

  1. What Freedoms Shang has experienced in her life so far
  2. The daily habits that helped her in her life
  3. Her most important lesson in life
  4. Shang’s Transformational book recommendations
  5. Biggest takeaway for listeners pursuing FI


Shang’s Websites/Socials:


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

41. How to Set Clear Goals for the New Year (With 8 Easy Steps)24 Dec 202400:11:04

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 one hour.


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

40. Transformative Life Breaks & Sabbaticals with Career Break Expert Katrina McGhee18 Dec 202401:10:29

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 by a life coach 
  • Why and how she was able to quit her job and take a 20 month sabbatical
  • How she saved 40,000 US dollars to take the break
  • The ups and downs of her sabbatical journey
  • How she managed her finances while on her break
  • Her career change journey from corporate to entrepreneur 
  • Her return to work story and how she chose her new career
  • How she paid her student loan debt of 40,000 US dollars in 21 months.
  • How she started her coaching business from a side hustle to full time
  • How she was able to negotiate part time work to spend more time on her coaching
  • Some example client transformation stories
  • When sabbaticals and breaks are not a good solution
  • We also dive into her her book Taking a Career Break for Dummies
  • We take a peak inside the book and some of the content
  • She also gives great advice for people coming back from sabbatical


Quick-fire round questions at the end:

  1. The freedoms she has experienced in her life
  2. Something she wished she done 10 years ago
  3. The daily habits that helped her in her life
  4. Her most important lesson in life so far
  5. 2-3 transformational book recommendations
  6. 2-3 key takeaways for listeners  


Katrina’s Websites/Socials:


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

39. Simple Japanese Secrets to a Long and Happy Life (Ikigai) - Pt.311 Dec 202400:08:23

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 Village of Longevity’. They distilled their findings into what they call the ‘simple secrets to a long and happy life’. Let’s try to incorporate these on our journey to Financial Independence.


In part 3, I discuss rules 9-10. I also give you a quick exercise to give you clues to find your own Ikigai.


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

38. Simple Japanese Secrets to a Long and Happy Life (Ikigai) - Pt.204 Dec 202400:09:13

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 Village of Longevity’. They distilled their findings into what they call the ‘simple secrets to a long and happy life’. Let’s try to incorporate these on our journey to Financial Independence.

In part 2, I discuss rules 6-8


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

37. Simple Japanese Secrets to a Long and Happy Life (Ikigai) - Pt.127 Nov 202400:12:31

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 Longevity’. They distilled their findings into what they call the ‘simple secrets to a long and happy life’. Let’s try to incorporate these on our journey to Financial Independence.


In part 1, I discuss rules 1-5. I will then discuss rules 6-10 on the following episodes. Enjoy!


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

72. How To Bring More Peace In Your Life Through 'Slow Living'03 Aug 202500:09:18

Slow living is about making intentional choices that prioritize your well-being and happiness. It’s about finding balance and being aware that you don’t have to fill every moment with tasks and to-do lists to feel accomplished. By slowing down, you allow yourself to fully experience your life, savoring each moment rather than rushing through it. On this episode I discuss some ways you can incorporate slow living in your Financial Independence journey to bring about more peace and balance.


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

36. How to Find Your Purpose (Includes a Free Worksheet)20 Nov 202400:11:20

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 direction of your ‘thing’ in life. 


Link to the Find Your Purpose Worksheet here: https://freedombeforefi.com/free-guides/


Freedom Before FI:

  • Email: If you want to connect, send me a note at greg@freedombeforefi.com

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

35. How to Find a More Meaningful Career, with Career Coach Lisa Hoashi12 Nov 202401:09:20

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 things you’ll learn:

  • Lisa’s background and her own crossroads moment 
  • Why she calls herself a ‘Big Picture Career Coach’
  • The main reasons clients come to her for help
  • How she became a career coach and how others can too
  • Her coaching programs and how they help
  • Example client transitions (what they done before and what they do now)
  • About people moving to a lower paying job
  • Advice for people with creative backgrounds
  • The outline steps to take to make a career change
  • Typical internal barrier holding people back from making a change
  • How to fund a career change
  • Do you need to go back to University to make a career change
  • The number one hack for a successful career change

Quick-fire round questions at the end:

  1. Lisa’s definition of Freedom
  2. The daily habits that helped her in her life
  3. Her most important lesson in life
  4. Lisa's Transformational book recommendations
  5. Biggest takeaway for listeners thinking of a career change


Lisa’s Websites/Socials:


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

34. Freedom Ideas Before Reaching FI: Enjoying Life Now06 Nov 202400:10:16

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 greg@freedombeforefi.com


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

33. The Power of a Sabbatical, with Sabbatical Coach Lyndall Farley29 Oct 202401:09:53

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 sabbatical


Quick-fire round questions at the end:

  1. Lyndall’s definition of Freedom
  2. The daily habits that helped her in her life
  3. Her most important lesson in life
  4. Lyndall’s Transformational book recommendations
  5. Biggest takeaway for listeners thinking of taking a Sabbatical


Lyndall’s Websites/Socials:


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 greg@freedombeforefi.com


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice


32. How Coast FI Helped Them Escape Toxic Work & Pursue Their Passion23 Oct 202400:12:47

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 greg@freedombeforefi.com


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

31. Die With Zero: 3 Big Lessons from Financial Independence Books (Pt.5)16 Oct 202400:12:14

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. 3

This 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:

  1. Rich Dad Poor Dad
  2. Quit Like a Millionaire
  3. The Simple Path to Wealth
  4. How to Retire Early
  5. Die with Zero


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

30. How to Retire Early: 3 Big Lessons from Financial Independence Books (Pt.4)09 Oct 202400:10:52

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. 3


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice


29. The Simple Path to Wealth: 3 Big Lessons from Financial Independence Books (Pt.3)01 Oct 202400:12:38

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. 3


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

28. Quit Like a Millionaire: 3 Big Lessons from Financial Independence Books (Pt.2)25 Sep 202400:14:28

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. 3


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

27. Rich Dad Poor Dad: 3 Big Lessons from Financial Independence Books (Pt. 1)17 Sep 202400:11:10

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. 3


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

71. 5 Steps to Adopt Slow FI if Feeling Burnout27 Jul 202500:12:08

Slow FI (or Slow Financial Independence) is a philosophy coined by the Fioneers that focuses more on intentionally enjoying your journey to FI as oppose to focusing purely on the numbers and speed at which you get to retire early. Its about designing your life intentionally with your values so that you can enjoy the fruits of your hard earned savings now, instead of grinding it out to the finish line. If you are regularly feeling burnout on your journey, it may be a sign to adopt a slower approach. On this episode I talk through 5 basic steps to transition over to a more Slow FI lifestyle.


Freedom Before FI Links:


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

26. Hard Choices: How to Live an 'Easy Life' and Achieve Freedom10 Sep 202400:09:54

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 quote


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

25. Compounding Time: The Ultimate Hack to Achieve Your Life Goals03 Sep 202400:11:10

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 goals


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

24. Expat FIRE: Saving 60% of His Income Living in Taiwan (with Steve from the Frugal Expat)28 Aug 202401:05:14

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 journey


Quick-fire round questions at the end:

  1. Steve’s definition of Freedom
  2. Something Steve wished he done 10 years ago
  3. The daily habits that helped him in his life
  4. His most important lesson in life
  5. Steve’s Transformational book recommendations
  6. Biggest takeaway for listeners


Steve’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: Steve@thefrugalexpat.com


Freedom Before FI Links:

Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice


23. Fun Things To Do That are Cheap or Free (While Trying To Save Money)21 Aug 202400:12:31

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 Ideas


We 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 greg@freedombeforefi.com


Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

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