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, I share what sailing taught me about fear, freedom, and the stories we tell ourselves about what’s "safe." I talk about:

• Doing things before you're ready (because you're never really ready)
• Letting go of the 9-to-5 blueprint and seeing new ways to live
• How less stuff = more freedom
• Money as a tool, not a finish line
• Why control is often an illusion—and that’s okay

This journey helped shape the person I am today. I hope it gives you a nudge to take your own leap, even if you’re not sure where you’ll land.

📸 Photos + article: Check my Instagram @onestepwealthier 💬 Coaching spots: DM me or email onestepwealthier@gmail.com if you're curious—no pressure.

🔗 Links Mentioned:

• Tamariki does Attenborough Among the birds at Chesterfield Archipelago (https://classicyacht.org.nz/wp-content/uploads/Issue-122.pdf)

Thanks for listening. Stay brave, stay curious—and stay wealthy in the ways that matter most.

🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

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 need to know everything before starting
• What to sort out before you begin (debt, emergency fund, etc.)
• The easiest way to open an account and pick your first fund
• Why consistency > intensity in investing
• How to avoid common scams and get-rich-quick traps

And if you’ve ever wished someone would just talk you through it, I’ve opened a few free coaching spots. Totally informal. Just email me at onestepwealthier@gmail.com or DM me on Instagram @onestepwealthier and we’ll chat.

You’ve got this—and I promise, your future self will thank you.

🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

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 up to 500 GBP.

https://wise.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

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 as we explore ways to cultivate personal responsibility and resilience to reach your full potential.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

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, more fulfilled life.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

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 to learn how you can future-proof your career and become indispensable in the age of AI.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

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 life. Join me on this journey towards greater personal development and financial success by focusing on what truly matters.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

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 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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

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 financial freedom.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I explore the empowering concept of how spending less money can lead to greater financial freedom. Tune in to discover the liberating power of spending less and how it can ultimately lead you on the path to financial independence.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I dive into the 5 biggest investing mistakes you can make. From trying to time the market to ignoring diversification, I break down common pitfalls that could be holding you back from reaching your financial goals. Tune in to learn how to avoid these mistakes and set yourself up for success in your investment journey. Whether you're a seasoned investor or just starting out, this episode is packed with valuable insights to help you make smarter financial decisions. Don't miss out on this essential advice to help you on your path to becoming wealthier and wiser.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

This episode explores why stepping outside of your comfort zone is necessary for personal growth and achieving financial success. I discuss how staying comfortable can lead to complacency and missed opportunities, and share ways to start expanding your comfort zone in both your personal and financial life. From trying new activities to taking calculated risks, we provide practical tips and strategies to help you break out of your comfort zone and reach new levels of 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 up to 500 GBP.

https://wise.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

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 mistakes that taught me the most (hello, P2P lending...)
• Why I avoided the stock market at first — and what changed

If you're new to investing or still feeling unsure, this one’s especially for you. It’s not too late, you’re not behind, and you don’t need a six-figure salary to start building wealth. Just take one step.

🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this week’s episode, I explore the allure of bigger cities through the lens of my love for London. Join me as I delve into the charm of city life, the opportunities for growth, and the lessons I have learned along the way. Whether you're a city-dweller or dreaming of making it big in a bustling urban centre, this episode offers valuable insights into the benefits of investing in the energy and diversity of big cities. Tune in to discover why I love London and how you can leverage the power of metropolitan living to step closer to financial 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 up to 500 GBP.

https://wise.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I dive into the importance of having multiple income streams to build wealth and achieve financial freedom. I discuss the benefits of diversifying your income sources, such as minimizing risk and increasing your earning potential. I also explore different ways to create passive income streams, such as investing in real estate, starting a side hustle, or building an online business. Tune in to learn how multiple income streams can help you reach your financial goals and secure a more stable financial future.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I discuss the transformative power of taking mini-retirements, inspired by the reflections of my recent journey on the Camino de Santiago. I explore how stepping away from the daily grind can lead to personal growth, increased clarity, and a deeper sense of fulfilment. Tune in to hear practical tips on how to incorporate mini-retirements into your life and start living more intentionally today.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I share my reflections from my journey along the Camino de Santiago. As I walked the ancient pilgrimage route, I found myself contemplating the age-old question of time versus money. Join me, as I discuss the importance of balancing both time and money in our pursuit of wealth and fulfilment. Discover how experiences like the Camino can offer valuable insights into our priorities and values when it comes to wealth and success. Tune in for a thoughtful and introspective look at the intersection of time, money and energy on the path to financial well-being.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this episode of the One Step Wealthier podcast, I dive into the transformative power of reaching your first 100,000 in savings or investments. I discuss the mindset shifts that come with achieving this financial milestone, the practical steps to take to get there, and how hitting this goal can change your life for the better. Join me as I explore the importance of setting ambitious financial goals and how reaching them can pave the way to a more secure and prosperous future.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I break down why your savings rate might be more important than your salary when it comes to building wealth. Whether you're just starting or looking to improve your investment strategy, understanding the power of saving and investing can help you reach your financial goals faster.

I also discuss the dangers of lifestyle inflation and why it's crucial to be aware of how your spending habits can impact your financial future. Tune in to learn how to prioritize saving, avoid lifestyle inflation, and make the most of your income to secure a prosperous future.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode of the One Step Wealthier podcast, I dive into the topic of being single and why it is perfectly okay. I discuss common misconceptions and pressures society puts on individuals to be in a relationship, and offer valuable insights on how being single can be a positive and empowering experience.

Whether you're navigating the world of investing solo or simply embracing your independence, this episode will inspire you to embrace your single status and thrive in all areas of your life.

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I walk you through a step-by-step guide on how to invest your first 1000 pounds. Whether you're a beginner looking to dip your toes into the world of investing or someone looking to diversify their portfolio, this episode breaks down the process into easy-to-follow steps.

The ETF that I recommend:

Vanguard S&P 500 UCITS ETF (ISIN number IE00B3XXRP09)

You can find more information about this ETF under:

Vanguard S&P 500 UCITS ETF, VUSA:AEX:EUR summary - FT.com

Brokers that I can recommend for investors outside the UK:

• Degiro
• Interactive brokers

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, we discuss the importance of building an emergency fund and provide tips on how to get started. An emergency fund is crucial for financial stability and peace of mind, especially during uncertain times. We will explore why having an emergency fund is important, how much you should aim to save, and practical steps you can take to start building your emergency fund today.

Key Points:

• Introduction to emergency funds and their importance for financial security
• Why having an emergency fund can help you weather unexpected expenses and economic downturns
• How much you should aim to save in your emergency fund (3-6 months' worth of living expenses)
• Practical tips for building your emergency fund, including setting a savings goal, creating a budget, boosting your income and automating your savings
• The importance of having an emergency fund before you start investing

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. Easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.

⁠https://wise.com/invite/ihpn/kristinai2⁠

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I share an exciting set of travel tips that will revolutionize the way you embark on your future adventures. Join me as I uncover a treasure trove of budget travel hacks that have successfully allowed me to wander the world without breaking the bank.

Whether you're a seasoned globetrotter or a first-time adventurer, these proven tips and tricks will surely be of tremendous help when it comes to stretching your travel funds further than you ever thought possible.

In this episode, I give the following suggestions for travelling on a budget:

• Pay attention to the currency exchange 
• Look for destinations with a weak currency
• Travel during the shoulder season
• Explore alternative ways of travelling in more expensive destinations
• Use public transportation
• Eat where the locals eat

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.com/invite/ihpn/kristinai2⁠

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. 

I am looking forward to hearing from you. Enjoy the episode! 

DISCLAIMER: 

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

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 script. If you've ever felt behind, out of sync, or like you're blooming somewhere else, this one's for you.

Topics I Cover:

• Choosing freedom, not following a timeline
• Redefining what success means to you
• Walking away from a traditional career path (and not regretting it)
• The conversations that sting—but why they don’t define you

Listen in if you're:

• Feeling like you’re “late” in life
• Choosing an unconventional path
• Craving a reminder that your version of life is valid

And remember: Maybe you're not a late bloomer. Maybe you're just blooming in a quieter field.

🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this week’s episode, join me as I embark on a journey through my travel experiences, spanning over 70 countries. As an intrepid adventurer, I've traversed the globe, immersing myself in diverse cultures, breathtaking landscapes, and unforgettable encounters.

From crossing Australia by bicycle, sailing in the Pacific Ocean, trekking in the Himalayas and hiking in the jungle in Colombia, I am sharing fascinating anecdotes and jaw-dropping stories that humbled me and made me grow. 

But as the episode progresses, you'll understand why this voyage comes to an unexpected pause. A profound realization struck me along this nomadic path, causing a shift in my perception of travel. This realization took the form of a newfound appreciation for the beauty of stillness, the depth of simplicity, and the need for new challenges. 

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. 

I am looking forward to hearing from you. Enjoy the episode! 

DISCLAIMER: 

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, we delve into the intriguing world of cryptocurrencies. This episode serves as a beginner's guide to understanding the ins and outs of crypto.

Listeners can expect to gain a clear understanding of blockchain technology, the decentralized nature of cryptocurrency, and how these digital assets differ from traditional forms of currency. We delve into topics such as mining, wallets, and the importance of strong security practices to protect one's digital assets.

Throughout the episode, we explore the pros and cons of cryptocurrency investments. We also address common misconceptions and risks associated with the rapidly evolving crypto landscape, empowering listeners to make informed decisions.

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. 

I am looking forward to hearing from you. Enjoy the episode! 

DISCLAIMER: 

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, we explore the significance of financial literacy in our lives. Join me to discuss why having a basic understanding of personal finance is crucial to making informed decisions, achieving financial goals, and ultimately gaining control over our finances. Whether you're a beginner or just looking for a refresher, this episode will provide practical tips and insights to improve your financial knowledge and pave the way for a secure future. Tune in and empower yourself with the tools to navigate the complex world of money confidently.

In this episode, we discuss the following suggestions for improving your financial literacy: 

• Read books and articles
• Take online courses
• Follow financial experts
• Attend workshops and seminars
• Join financial communities
• Track your expenses and budget
• Start Investing
• Seek professional advice

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. 

I am looking forward to hearing from you. Enjoy the episode! 

DISCLAIMER: 

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week's episode, we explore the power of habits in propelling personal growth and success. Join me as we uncover the habits that have had a profound impact on my life. Whether you're seeking inspiration or looking to make positive changes in your own life, this short episode of One Step Wealthier will provide you with actionable insights and strategies to harness the power of habits for personal growth. Tune in and discover the habits that can propel you forward on your journey of success and fulfilment.

In this episode, we discuss the following habits:

• Waking up early
• Exercising regularly
• Eating healthy
• Sleep
• Reading every day
• Saving and investing consistently

Looking forward to hearing from you as always - enjoy the episode!

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying and we will chat in the next episode.

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. There may be opinions within this resource that should not be considered as recommendations or personal advice. Everyone's financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this podcast episode, I cover the basics of the S&P 500. In this short and easy-to-follow episode, I break down the fundamentals of this renowned stock market index. Whether you're new to investing or simply curious about the S&P 500, this episode will provide you with a solid foundation to begin your journey.

In this episode, we discuss:

• What are index funds
• What is the S&P 500 and what were the historical yearly returns
• Which companies compose this index
• How can you invest in this index
• The importance of diversification

Looking forward to hearing from you as always - enjoy the episode!

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying and we will chat in the next episode.

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. There may be opinions within this resource that should not be considered as recommendations or personal advice. Everyone's financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this episode, I talk about my recent 3-day Vipassana silent meditation course. In this day and age, meditation is essential and can profoundly impact our mental and emotional well-being. If you are interested in finding out more about the technique or even embark on this journey, you can find more information at www.dhamma.org

In this week’s episode, I discuss some common misconceptions about investing and how my own journey has started. I also stress the importance of investing for our future. I hope you enjoy this episode.

In this week’s episode, we delve into the intriguing world of financial independence and early retirement. If you've ever dreamed of escaping the traditional 9-to-5 grind and enjoying life on your terms, this episode is for you!

We explore how by saving, investing and living frugally, you will be able to reach early retirement. We take a look at the concept of financial independence, which is not just about hoarding money but rather attaining a level of financial freedom that grants you the ability to make life choices without being dictated solely by monetary concerns. We delve into the key principles and strategies that can guide you on your journey towards financial independence and ultimately early retirement.

Moreover, we explore the mindset shift required to embark upon this path and address the fears and doubts that often accompany such a significant lifestyle change.

So, if you're tired of living paycheck to paycheck, constantly worrying about debts and future uncertainties, or simply in search of a more fulfilling and self-determined life, join me on this empowering journey towards financial independence and early retirement. Get ready to redefine your relationship with money, unlock your true potential, and pave the way to a life of true freedom and abundance.

My favourite compound interest calculator: 

⁠Compound Interest Calculator | Investor.gov⁠

Early retirement calculator:

⁠https://networthify.com/calculator/earlyretirement?income=50000&initialBalance=0&expenses=20000&annualPct=5&withdrawalRate=4⁠

FIRE Calculator: 

⁠FIRE Calculator: When can I retire early? - Engaging Data (engaging-data.com)⁠

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. 

I am looking forward to hearing from you. Enjoy the episode! 

DISCLAIMER: 

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, we dive into the world of personal finance and highlight some must-read books that can greatly improve your financial knowledge. I understand that managing money can often be overwhelming and intimidating, but by exploring these helpful books, you'll gain the confidence and tools to make smarter financial decisions.

By the end of this episode, you will have a comprehensive reading list to further your financial education and feel inspired and motivated to take charge of your financial future. So, grab a notebook and pen, settle into a comfortable spot, and get ready to embark on an empowering journey towards financial well-being.

These are the 10 books that I can personally recommend if you would like to improve your financial knowledge: 

1. "Rich Dad Poor Dad" by Robert Kiyosaki
2.  "The Little Book of Common Sense Investing" by John Bogle 
3. "The Millionaire Next Door" by Thomas Stanley
4. “The Richest Man in Babylon” by George Clason
5. “Millionaire Teacher” by Andrew Hallam
6. “What They Don't Teach You About Money” by Claer Barrett
7. “I Will Teach you to be Rich” by Ramit Sethi
8. “Financial Feminist” by Tori Dunlap
9. “Quit Like a Millionaire” by Kristy Shen.
10. “Financial Freedom” by Grant Sabatier. 

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. 

I am looking forward to hearing from you. Enjoy the episode! 

DISCLAIMER: 

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

Trailer

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 slowly—can shift how you feel about freedom, work, and life itself.

This isn’t a brag. It’s an invitation.

Let’s talk about freedom, frugality, and building wealth one step at a time.

🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

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 in a bothy, I learned that needing less isn’t a downgrade — it’s an upgrade in disguise.

If you’ve ever felt stuck chasing “more,” this one’s for you.

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 examples that will make you laugh—and maybe cringe a little!

Whether you're new to managing your finances or have noticed your expenses steadily climbing, this episode is packed with relatable stories and practical advice to help you stay grounded financially.

If you enjoy the episode, please subscribe, leave a rating, and share your thoughts in a review!

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 everyone’s lips, the psychology behind herd behavior, and how it contrasts with my own quiet strategy of buying undervalued stocks.

This isn’t financial advice—it’s just one long walk through the noise, and what I’ve been learning as I listen to it all.

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 right for you, this one’s for you.

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.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.