financial independence retire early workbook

Oh, and they have an investing course (a ton of work to create) and a financial workbook. These guys are probably crushing it in their online. Acces PDF Financial Algebra Workbook Answer Key. Financial Algebra Workbook Answer Key insurance, the stock market, independent living and more! Fiology Workbook: Your Guide to Financial Independence is out! Apparently, all that hard work I was doing in 2018 and earlier this.

Financial independence retire early workbook -

As a seasoned finance professional, best-selling author, broadcaster, and teacher, Wes has done extensive research on the habits of the happiest retirees. On this podcast, Wes shares key lifestyle and money habits you can implement now to prepare for a secure future while not depriving yourself of happiness in the present. In addition to leveraging his 20+ years of knowledge as an investment advisor, Wes brings in guests, specialists and our team of financial professionals to teach you how to set and work towards your financial and lifestyle objectives.

Refreshingly-free of mind-numbing financial jargon and unrealistic money goals, Retire Sooner with Wes Moss gives listeners the tools on how to retire sooner in the real world.

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Источник: https://www.wesmoss.com/podcast/

11 Best FIRE (Financial Independence Retire Early) Books

This article includes links which we may receive compensation for if you click, at no cost to you.

While there are a ton of money books, and I’ve read hundreds of personal finance books over the years, there really aren’t that many FIRE (financial independence retire early) books, but more are starting to be released.

I’ve had the opportunity to read literally all of them and here are what I think are the Best FIRE books.

Best FIRE Books for 2021

I’ll continue to add to this list as more make the cut. If you’re interested in pursuing FIRE, then this list of books is not only an incredible place to start, it will literally give you the exact blueprint that you can customize to accelerate your own financial independence journey.

1. Financial Freedom: A Proven Path To All The Money You Will Ever Need by Grant Sabatier

Financial Freedom Grant SabatierThis is my book, so it’s a shameless plug, and I’m not putting it first because I think it’s the best. I simply put it first because this is my blog and I’m extremely proud of it, but I worked hard to make Financial Freedom as comprehensive as possible and the perfect starting point for anyone interested in FIRE and financial freedom.

Many readers agree, with The Ladders recently voting Financial Freedom one of the top 10 personal finance books of all time, Lifehacker saying “Financial Freedom blew my mind…,” and over 100 Amazon reviewers have called it “life changing”.

The book is a step by step guide in 14 chapters to help you make more money in less time and create more freedom in your life.

I held nothing back when writing this book and go deep on all the key topics you need to know to reach FIRE, including:

  • How much money you need
  • How to maximize your happiness per dollar
  • How to change your relationship with money
  • How to get a raise
  • How to start a side hustle
  • How to invest in stocks, bonds, and real estate
  • The best money habits to help you fast track financial independence

It’s definitely worth checking out and don’t forget to let me know what you think.

Purchase Financial Freedom Now!

2. Your Money or Your Life by Vicki Robin & Joe Dominguez

Your Money or Your Life

This book completely changed how I think about money. In fact, it changed my life. Updated in 2018, Your Money or Your Life is an absolute classic for a reason.

My favorite chapters are the mindset ones, the discussion about the four pillars of financial independence, frugality, and the step by step strategy for how to calculate how much money you’re actually making per hour.

If you want to calculate your real hourly wage check out the real hourly wage calculator. No matter where you are in your own financial journey it’s worth reading the classic book that’s sold over 1 million copies and started the FIRE movement.

You can also check out Vicki and I chatting about the FIRE movement and a whole lot more in the financial freedom podcast episode, The Space of Freedom w/ Vicki Robin or below.

Purchase Your Money or Your Life Now!

3. The Simple Path to Wealth by JL Collins

The Simple Path to Wealth

While I didn’t read JL Collins investing masterpiece until after I’d already reached financial independence, this book is definitely one of the best to help you reach financial independence.

While the book largely focuses on investing, the book is so popular because JL’s writing and steps are laid out simply and are easy to follow.

A Simple Path to Wealth is largely based around a series of blog posts JL wrote on his website about stock investing intended for his college bound daughter.

So while most of this information is available completely for free in JLs stock series there is some additional high value content that makes it worth reading the book.

Purchase The Simple Path to Wealth Now!

4. Set for Life by Scott Trench

Set For LifeScott Trench is the CEO of Bigger Pockets, the popular real estate investing community, and one of the smartest people I know when it comes to money.

In his book Set For Life, he walks you through a three phases approach to accelerating your financial independence.

With a large focus on house hacking and real estate, Scott lays out a step by step plan for anyone to strategically use real estate to make work optional.

While the book is largely geared towards people who are single and in their 20’s or early 30’s, I think the creative ways he thinks about money make this a must read for anyone starting their financial independence journey.

Purchase Set For Life Now!

 

5. Quit Like A Millionaire by Kristy Shen & Brice Leung

Quit Like A MillionaireKristy and Bryce are the creators of the popular Millennial Revolution blog and my good friends. Here’s an excerpt from my Quit Like A Millionaire review.

I loved this book so much. It is so full of life and color and beautifully written. I expected a lot but was blown away. This is unlike any other money book I’ve ever read and will inspire a ton of people.

Quit Like A Millionaire is the perfect balance of story, tactics, and motivation.

It’s without a doubt the most entertaining money book I’ve ever read, simply because Kristy’s story is so engaging.

I read the entire book on a 6 hour plane ride and literally laughed out loud. I can’t ever remember laughing that hard reading any book, let alone a personal finance book.

Another thing I like was the incredible amount of detail in the book, with many charts and graphs to illustrate the most important points and key takeaways. Here are Kristy and Bryce on my financial freedom podcast.

Purchase Quit Like a Millionaire Now!

6. The 4-Hour Workweek by Tim Ferriss

4 Hour WorkweekThis is the book that started it all for digital nomads and while it’s not a money book, it’s focus on entrepreneurship and making money from anywhere makes it indisputably a FIRE book.

While I have some issues with the book, mainly that Tim makes it seems a lot easier than it actually is to be location dependent, the book is incredibly useful for the mindset that instills in the reader.

I remember reading The 4 Hour Workweek when I was 24 and it completely blew my mind. The best parts of the book focus on automating your business and building a passive income lifestyle business, which I expand on greatly in my book.

Tim also created the idea of the “mini-retirement” and viewing your earning years as a series of phases, instead of one long 9 to 5 grind.

The 4 Hour Workweek is definitely worth a read if you’re interested in entrepreneurship, which is one of the fastest paths to financial independence.

Purchase The 4-Hour Workweek Now!

7. I Will Teach You To Be Rich by Ramit Sethi

I Will Teach You To Be RichIf you’re interested in making more money (remember you can only cut back so much), then you should check out I Will Teach You to Be Rich, a true personal finance classic.

Ramit also recently released a fully updated version in honor of the 10th anniversary of the book. I first read Ramit’s book when I was 25 and it not only left a huge impression on me, I was actually able to implement a number of the strategies immediately.

Ramit has a great way of making money very simple and with a large focus on income optimization and launching your own business this is an exceptional book for entrepreneurs.

In the book, he presents a number of different mindsets that will change how you think about money and its role in your life. He’s also a deep thinker and presents a compelling case for how to best spend money to maximize happiness in your life.

It’s a worthy addition to any FIRE movement bookshelf and well worth buying a copy.

Purchase I Will Teach You To Be Rich Now!

8. Playing with FIRE by Scott Rieckens

Playing with FIREIn addition to putting out the incredible Playing with FIRE documentary, which I was honored to be included in, Scott Rieckens also wrote a great starter book about him and his wife’s discovering and the first year following the FIRE movement.

It’s an incredibly moving story and the perfect entry point to FIRE, especially if you want to get one of your friends or your partner on board. Sometimes books full of charts and numbers can feel a little like homework and be too daunting.

While this book lacks the detailed charts and steps to follow if you want to pursue FIRE, that’s not the point of the book. The point is to intimately introduce you to what it feels like to change your financial life and start prioritizing happiness in your life.

I loved Scott’s down to earth and accessible writing style, as well as his overview of the FIRE movement that’s spreading the world.

If you’re looking for a book to get your friend on board with the movement or a human story about how it feels to discover and follow the FIRE movement then this is definitely worth a read.

Purchase Playing with FIRE Now!

9. Retire Early with Real Estate by Chad Carson

Retire Early with Real EstateReal estate investing, in my opinion, is the fastest path to financial independence and Retire Early with Real Estate is an exceptional blueprint for making it happen.

I’ve known Chad for a number of years and he’s the real deal, having invested in hundreds of properties and reaching financial independence in his 30’s.

While I would by no means call myself an advanced real estate investor, I’ve read quite a few real estate investing books and this is by far my favorite.

Not only because of the simple steps that get more complicated as the book builds, but because the focus, like in Your Money or Your Life, is on how much is enough?

So many real estate books focus on building insanely large portfolios or helping you build a real estate empire,  Chad’s book’s explicit focus is on helping you retire early using real estate.

There’s a big difference in both mindset and strategies. I learned a lot from this book and it even changed how I’m thinking about buying my next investment property.

If you are even remotely interested in real estate investing you should read Retire Early with Real Estate.

Purchase Retire Early with Real Estate Now!

10. The Art of Living by Thich Nhat Hanh

The Art of LivingMoney only matters if it helps you live a life you love. While this is by no means a “money” book, it’s an absolutely extraordinary “life” books and one of my favorite books of all time.

One of the biggest challenges of following FIRE isn’t the tactics, it’s choosing to live differently than those around you. It’s choosing to live your own life and not the life that anyone else is living.

The FIRE movement is all about living life on your own terms and so is this book.

On my own financial independence path, I found the work of Thich Nhat Hanh incredibly helpful in guiding my own journey and life.

While Thich Nhat Hanh has written many books and I’ve read dozens of them, The Art of Living is by far my favorite and will likely be his last book given his stroke a few years ago.

No matter where you are in your own financial journey I strongly recommend this book, which has also been helping in my life after reaching financial independence.

Purchase The Art of Living Now!

11. The Bogleheads Guide to Investing by Taylor Larimore, Mel Lindauer, and Michael LeBoeuf

Bogleheads Guide to InvestingWhile many of the best FIRE books include sections on investing, The Bogleheads Guide to Investing is by far the best investing book I’ve read and is a great place to dive deeper into the FIRE investing strategy.

Following the principles established by the late Founder of Vanguard, Jack Bogle I found this book even better than Jack’s own books and the perfect starting point for anyone interested in investing.

With a large focus on index fund investing, this guide gives you not only the steps but also a comprehensive behind the scenes look at how and why investing in index funds works.

There are also detailed instructions on how to build and manage your own two or three funds investing portfolio without needing any help or a financial advisor.

I’ve come back to this book on my own journey many times, especially for the tax-efficient investing recommendations, and it’s worth reading for anyone interested in making the most of their money.

Purchase The Bogleheads Guide to Investing Now!

 

What’s your favorite FIRE (financial independence retire early) book?

Reading Guide: Retire Early

Источник: https://millennialmoney.com/best-financial-independence-retire-early-books/

I’ve been working on this baby for years. Initially it was as my own budget and dashboard and it developed into something I would like to share with others.

Update 25th January 2021 – Please note that since this article was posted I have created additional Personal Finance products to suit individual requirements. I recommend you taking a look at the following post (‘The Frank Basics’ Etsy Store) before purchasing to ensure you find the right product to meet your needs

The Personal Finance Budget Spreadsheet and Automated Dashboard has been a few months in the making since I first decided to share it more widely than my computer hard drive. I have always enjoyed using spreadsheets and it remains the one part of my job that I quite enjoy. As a result I decided to modify my tried and tested one into something that others might find helpful (not everyone likes spreadsheets and this one aims to do the work for you).

The Personal Finance Budget and Automated Dashboard (which includes inbuilt debt snowball / avalanche calculator for Microsoft Excel) contains 9 sheets (tabs) including:

  • Dashboard (Automated sheet)
  • Debts (Data entry sheet) – this sheet includes a debt snowball or avalanche calculator
  • Mortgage (Data entry sheet)
  • Emergency Fund (Data entry sheet)
  • Savings (Data entry sheet)
  • Sinking Funds (Data entry sheet)
  • Budget (Data entry sheet)
  • Review Sheet (Automated sheet)
  • Expense Review (Data entry sheet)

My goal with this workbook is to try to make using excel easy while letting you use all the best features it has to offer.

It also is formatted so you can print the sheets off for your fridge (or other area of your home) – eg the debt and savings trackers.

What does this Personal Finance and Budgeting Spreadsheet do?

For a full list of specifications I would recommend checking out the Etsy listing here.

  • Calculate the % paid off of your debts, and mortgages.
  • Calculates how close you are to reaching your savings goals (Emergency Fund, Sinking Funds, or other Savings Goals)
  • Calculate your income from multiple jobs
  • Calculate expenses you pay weekly, fortnightly, monthly, or yearly
  • The Dashboard shows you how much you have spent on each category (You decide the categories you want – completely customizable)
  • The Review sheet shows you how much money you have left
  • The Expense Review sheet is an optional sheet with a little quiz guiding you on where you could make changes to your budget to save money.

What you will receive:

  • One Microsoft Excel file template
  • One Quick Start Guide PDF

Notes:

  • Created on Microsoft Excel 2016  (only works with Microsoft Excel not Google Sheets)
  • Please note that this spreadsheet uses Macros so please ensure when you open this file you ‘enable macros’.
  • Please note that every sheet on this spreadsheet has built-in instruction buttons to assist you with completing each sheet.

I’ve put a lot of work into it and have priced it accordingly, but for those that follow me on the blog/Instagram I’ve decided to provide you the following coupon code to save you 10% off (as a big thank you for following along).

Coupon Code – FRANK10

Feel free to get in touch before hand if you have any questions or additional information you would like before making your purchase. I’m also happy to field questions to assist you to get the most out of it post sale.

If you do end up purchasing it please let me know your thoughts and feedback. I’m keen to create some more spreadsheet style items so let me know what other trackers or dashboards etc that you would like to see.

If you would like to have articles like this delivered to your inbox subscribe below.

Источник: https://frankonfire.com/category/spreadsheet/

Playing With FIRE Summary

1-Sentence-Summary:Playing With FIRE will teach you how to be happier with your financial life and worry less about money by getting into the Financial Independence, Retire Early (FIRE) movement.

Read in: 4 minutes

Favorite quote from the author:

Playing With FIRE Summary

A couple of years ago my wife and I began looking at what it would take for us to buy a house. Even though I was making a decent salary as an engineer, it was just beyond what we could manage at the time. It was discouraging, but I got to work looking for how to fix this frustrating situation. 

Since then I’ve discovered a lot about what it really takes to become financially healthy. A large part of it is being smarter about your money than just trusting what society tells you is normal.

That’s why I love Playing with FIRE (Financial Independence Retire Early): How Far Would You Go for Financial Freedom? This book encompasses a lot of the principles that helped me drop my dead-end job, double my income, and begin to live financially free for the rest of my life. This one will change your life in a big way.

This book taught me these 3 important lessons (and more!):

  1. You want to practice the FIRE technique so you can have the freedom to not need to work for money.
  2. Wisely investing and aggressively saving your money are the vital components of financial independence.
  3. Even if you don’t make a lot of money, you can use the FIRE method flexibly for a better life.

Are you finally ready to feel relieved about your money situation instead of stressed by it? Let’s light your FIRE!

If you want to save this summary for later, download the free PDF and read it whenever you want.

Download PDF

Lesson 1:  Practicing FIRE will help you not have to work for money and begins with taking advantage of the 4% rule.

The author discovered that FIRE isn’t just a good idea, but that there are many people practicing it already. As he began it himself, he saw the potential it had to free him of a lot of stressful money woes. 

But you might be thinking that super early retirement sounds boring, right? In reality, a lot of people don’t actually completely stop working. They just use the freedom of not having to work for money for better things. Like being flexible with their career, traveling, donating to charity, or pursuing passions. 

In 2005 a woman named Sylvia had just completed law school and got her first job in New Orleans. Then Hurricane Katrina hit. The aftermath made Sylvia drop most of her possessions and move. 

This sudden loss of her things motivated a change to a more frugal lifestyle. Working extra on weekends and saving like crazy gave Sylvia the opportunity to try beginning her own law firm.

To start with FIRE yourself, find your annual expenses and multiply by 25. That’s the amount that, if you saved and invested, you could live off of forever because of the 4% rule. This comes from a study that found that only withdrawing 4% of your investments allows you to survive market dips and inflation.

If you have $60,000 yearly expenses, for example, you’d need $1.5 million to live only off your investments for the rest of your life!

Lesson 2: Financial independence requires that you make smart investments and save aggressively.

So you know what the end goal is, but how do you get there? The next step toward financial independence is to look at your finances in detail. You’ll need to maximize assets and minimize expenses. 

Start by tracking where each bit of your money is going. Look at all spending and savings over the last year. With a FIRE mentality, you should aim to save and invest 50-70% of your income. A good place to begin is with the main expenses of food, transportation, and housing. 

The author began traveling after he began his FIRE journey but lived with family to cut costs. They then found a more affordable city to live in. Biking to work made it possible to only get one car. 

For this, the blogger behind the FIRE blog recommended looking for used cars in the $5,000 price range as they don’t depreciate as poorly as leased cars. They needed something that could handle the terrain, so they settled for a $7,500 Honda CRV.

Then it came to savings. The author focused on just three types: stock market investments, business ventures, and real estate. For investing in stocks, it’s best to go with index funds as they’re cheap and perform at the average of the market as a whole. Even Warren Buffet recommends this over getting a money manager!

Lesson 3: The FIRE mentality is flexible and works for anyone regardless of income level.

You might be sitting there thinking this all sounds great but wondering how you can do this with how little you make. The truth is, it doesn’t matter what you earn, it’s what you do with it that makes the difference. 

More money might get you to retirement faster, but it’s not a requirement for FIRE. One 26-year-old woman from Colorado is a great example. At only 26 she got “millennial depression” which is when the idea of being in her job until 65 got her feeling trapped and down. 

This is about when she heard about and began reading a few FIRE blogs. Between her and Kyle, her boyfriend, they made less than $50,000 a year. But after cutting expenses to only $32,000, they’re on track to be financially independent in only six years!

The core of this mentality isn’t to just go crazy with saving and investing. It’s more about putting happiness over material possessions. Some people do get pretty wild with their saving plans, but you can be as flexible as you want.

I heard someone once compare it to being hot and cold. When it’s cold, you can keep adding layers to stay warm. But in a heat wave you can only take off so much before you start to get into trouble. 

Money is the same way, you shouldn’t expect yourself to just keep cutting expenses like crazy and live happily. Cut some, yes, but focus mostly on increasing your income, saving, and investing. Soon you’ll be financially free and ready to retire early!

Playing With FIRE Review

Playing With FIRE is my kind of book, I loved this one! I’m not too keen on the idea of retirement, but the way this approached it was fantastic. If you’re sick of the 9-5 slog and can’t stand the idea of doing it for 30+ years only to have free time when you’re too old to do much, you’ve got to read this book!

Read full summary on Blinkist >>

Free Preview >>

Learn more about the author >>

Who would I recommend the Playing With FIRE summary to?

The 24-year-old who just began their first full-time job out of college and can’t imagine staying there for a third of their life, the 45-year-old couple who lives paycheck to paycheck and feels trapped, and anyone who wants a better way of life than what society preaches is the norm!

This book has an average rating of 4.3 based on 3 votes.
Источник: https://fourminutebooks.com/playing-with-fire-summary/

The FIRE Movement (Financial Independence, Retire Early) is Lying to You

The FIRE Movement (Financial Independence, Retire Early) is Lying to You

I’m all FIRE’d up!

FIRE (Financial Independence, Retire Early) is a movement that is all about making and saving enough money at an “early” age so that you can live off your investments for the rest of your life.

I’ll be honest that I’ve thought about this subject a lot.  In fact, I quit my job in 2011 (in my early 30s) and have been building online businesses ever since.

I sold my software company a few years ago for 7 figures and have had some other successful ventures.  

I’ve thought, “I might be able to just stop working and live on what I’ve saved for the rest of my life”.

I wanted to see what others have been able to achieve and see if this FIRE lifestyle was something I should pursue.

However, the more I researched the bloggers and influencers that say they have “retired early” thanks to their savings, the more I got annoyed.

And even a little upset!

Today, I want to share my thoughts on the FIRE Movement and why I think most of the influencers are lying to you. 

Are They All Lying To Us?

Yes.

Okay, not all of them, but most of the FIRE bloggers, Youtubers, and influencers are not being honest with you.

Here’s why.

I know how much work it takes to run a blog, a Youtube channel, and nurture an audience.  It’s been my full-time business since 2011.

I am FAR from “retired”.  Meaning I still have to put in essentially a full-time day to run my business.

So, knowing that a blog and Youtube channel, etc is a full-time job, I KNOW these influencers are working quite a bit.  (i.e. – They have not retired).

I also know a blog or YouTube channel with a decent following can make significant money.

So, I KNOW that these influencers make a lot of money each month from their online business.

Let’s recap real quick:

Most fire influencers still working + living on money they are actively earning = not living the FIRE life at all

There, I said it.

These people haven’t quit working and they are still earning money from their ACTIVE business pursuits, how is that retiring early?

See why I’m so annoyed?

A Couple of Examples…

I’m not trying to say that FIRE bloggers are bad, I’m just saying that they are not being completely honest with the audience.

Let’s take a look at a couple of examples and see if you agree.  The question I’m trying to answer with these people that claim they have achieved “FIRE” is two things:

  • Are they really retired?
  • Are they living off their investments? (Living off investments instead of new income).

Mr. Money Mustache

From his about page, he says, “Mr Money Mustache is a thirtysomething* retiree who now writes about how we can all live a frugal yet Badass life of leisure.”

So, he claims to be retired and lives a life of leisure.  But let’s take a look at his active business:

According to SimilarWeb, MrMoneymustache.com gets about 1 million visitors a month.  That’s a sizeable business and didn’t create itself.

The amount of time, energy, and commitment put into Mr. Money Mustache was significant (I’m a blogger, so I know how hard it is to create a blog).

  • He also runs a very active forum
  • He has a Youtube channel
  • He holds regular in-person “Mustachian Meetups”

The guy is working hard and that’s great!  But don’t call it retirement.

And with all of that, he is easily making over $50,000 a month from his blog (my guess).  

Again, I’m not faulting him for making money from his online business…that’s what I do!  I’m simply asking him to stop saying he’s retired and, to be honest, that even though he achieved “financial independence” and could live off his investments, he has chosen to keep earning money (perhaps as a cushion or to upgrade his lifestyle so he doesn’t have to live so frugally).

Is It a Matter of Definition of Retirement?

Here’s a rebuttal from Mr. Money Mustache (that I found on his blog).

Everybody uses the FIRE acronym because it is catchy and “Early Retirement” sounds desirable. But for most people who get there, Financial Independence does not mean the end of your working career.

Instead it means, “Complete freedom to be the best, most powerful, energetic, happiest and most generous version of You that you can possibly be.”

Whoa, so now you can just change the definition of a word whenever you want? (i.e. retirement).  Here’s a few definitions I found from Dictionaries:

Retirement refers to the time of life when one chooses to permanently leave the workforce behind. 

the action or fact of leaving one’s job and ceasing to work.

withdrawal from one’s position or occupation or from active working life

Call me old-school, but it still sounds like retirement is when you permanently leave the workforce and stop working.  I guess I could say I “retired” from Wells Fargo where I used to work as a banker, but I can’t say I’m retired (as in I’ll never work again).  I retired from Wells Fargo and starting working as an online business owner.

The FIRE industry just can’t take a well-established definition like retirement and suddenly say it doesn’t really mean retirement, it means you still work…but you enjoy that work.

People interested in FIRE are asking for an apple (retirement) and influencers are saying “here’s your apple!” while handing them an orange. 

It’s extremely confusing and disingenuous.

Mr. Money Mustache should stop telling people he retired from working.  Why can’t he simply say he quit his job and now runs an online business…like the rest of us?

How could he make me happy?  Simply say he is a “former-retiree” that came out of retirement to now blog about frugal living and investing wisely. 

Is that so difficult to admit?

Our Rich Journey

Our Rich Journey is about a married couple that saved up enough money to live off their investments forever.  They moved to Portugal and now live comfortably through Frugal living and investment returns.

Or are they really just a couple that invested wisely and then quit their corporate jobs and have now started an online business to supplement their investment income?

The haven’t FIRED at all, in my opinion.

Here’s what their About page says,

We’re a family of four from the San Francisco Bay Area. We were federal government employees until . . . one day . . . we both just up-and-quit our jobs! That’s right! In August 2019, we quit our jobs and RETIRED at the age of 39…we grew our stock market portfolio to an amount that allowed us to quit our jobs without ever having to work again.

(Bold and italics added by me to just clarify that they are claiming they’ve retired and never have to work again).

You don’t build a Youtube channel to over 275,000 subscribers without putting in a TON of work!  Not retired at all.

Financially Independent?  Maybe.  But they make a ton of money off their videos (easily over $20k/mth), so I think it’s disingenuous to say “We retired and never have to work again or earn money again!”  Because well they are doing both – still working and still earning money.

Oh, and they have a blog too…which again takes a ton of time (i.e. not retired).

Oh, and they have an investing course (a ton of work to create) and a financial workbook.  These guys are probably crushing it in their online business.

And kudos to them…I love online business owners!

But I also like it when people admit that they run an online business and likely live off the significant money they make from it.

Look it’s not that hard, I’ll go first, “I run an online business and I live off the money I make from that business!”  Phew, that was really hard to admit. 

Your turn Our Rich Journey.

Does it make sense why this is all annoying to me?  You read their about page and it says they retired and never have to work again. 

But in reality, you can see that they are clearly working and making a ton of money.

Am I Missing the Big Picture?

Look, I could probably go and find dozens of examples of people claiming on their About page that they retired and no longer need money, but in reality are still working and making money.

But no need to go down that rabbit hole even further at this point.

Some of the bloggers say that “Retire” simply means working on something you are more passionate about, instead of working a corporate job.  But as mentioned before, I think this is comparing apples and oranges.

I think many of the bloggers in the FIRE community are disingenuous with how they tell their own stories.

I thought maybe I was missing something, but then I ran across an EXCELLENT blog post on OurNextLife.com.  The best part is that Tonja is one of the biggest names in the FIRE community and I believe she agrees with me.

I’ll just share one quote and a few images from her post.  She says,

I encouraged readers not to listen to FI blogs, especially when it comes to the question of whether early retirement is sustainable, because too often they don’t tell that full story. (Bottom line: nearly every retired FI blogger draws significant income from their blog, and therefore isn’t actually testing the approach to early retirement that they espouse.)

So, I’m not alone!  Even one of the top influencers in the space agrees that FI bloggers are drawing significant income from their blogs and online businesses and therefore aren’t really living the lifestyle they espouse.

Here’s a couple graphics she made that I agree strongly with:

If you write about never working again, but you still make significant money from your writings…you aren’t living what you preach.

If you sell the “no more work” lifestyle, but you work and make more money, you aren’t living the lifestyle you espouse.

What About Other Small Business Owners that Do What They Love?

If you are doing what you love and making money that’s fine with me!  Just be honest about the money you are making.

I mean should we start saying that everyone that has left corporate America is “retired?”

There are millions of small business owners that are doing what they love and not working for someone else, but we never (and they never) say that they are retired.

  • What about the woman that left her corporate job and started a bakery? She works more hours than ever before, but she LOVES it.  She makes good money too. But she’s not living the FIRE life (and she doesn’t claim to be).  But what FIRE bloggers are doing (working in a job they love) is no different.
  • What about the banker that quits his job and now buys and sells websites?
  • What about the man that quits his job as a plumber and built his own plumbing business that he loves?

I see zero difference between these examples and what the FIRE bloggers do.  All of them quit their jobs and now work for themselves and make money.

The fact that the FIRE bloggers might have been able to live off their investments is irrelevant because they don’t.  They make tons of money from their online businesses.

What I would be Okay with From FIRE Influencers

All I’m asking for is a small admission.

Mr. Money Mustache could simply say, “I’m a former retiree.  I came out of retirement to share my advice on saving, investing, and frugal living.  I make good money doing it.”

Our Rich Journey could simply say, “We quit our jobs to do what we love!  We now travel the world and share the investment strategies that have worked well for us.  We now work at what we enjoy doing and make money from sharing our advice with others”.

Notice the minor shift in messaging?

It’s an honest message that FIRE bloggers need to embrace.

Bottom line – you COULD have retired and lived off your investments – but you chose not to.  You chose to continue earning money and working.

There’s nothing wrong with that – thousands in the online business do the same!

However, you just need to be honest about it. 




Niche Business Ideas

By Spencer Haws

Spencer Haws is the founder of NichePursuits.com. After getting a degree in Business Finance from BYU (2002) and an MBA from ASU (2007) he worked for 8 years in Business Banking and Finance at both Merril Lynch and Wells Fargo Bank.

While consulting with other small business owners as a business banker, Spencer finally had the desire to start his own business. He successfully built a portfolio of niche sites using SEO and online marketing that allowed him to quit his job in 2011. Since then he's been involved in dozens of online business ventures including: creating and exiting Long Tail Pro, running an Amazon FBA business for over 3 years and selling that business, founding LinkWhisper.com, and co-founding MotionInvest.com. You can learn more about Spencer here.

Источник: https://www.nichepursuits.com/the-fire-movement-is-lying/

The Fiology Workbook: Your Guide to Financial Independence

"We're so glad this workbook exists because now we can point people to ONE place to get all the details, tips, and guidance they need to achieve Financial Independence."

Julien and Kiersten

creators of rich & Regular

"You’ve read the books and websites about Financial Independence. Now here’s your workbook, your worksheets, and your detailed instructions!"

Doug Nordman

founder of The Military Guide and author of The Military Guide to Financial Independence and Retirement

"An incredible, invaluable tool for anyone looking to uplevel their financial life."

Kelsa Dickey

founder of Financial Coach Academy, host of the Fiscal Fitness podcast, and author of The Financial Coaching Playbook

"While there is no short cut to learning, you CAN choose the source of who you learn from. And if you want to learn about Financial Independence, you can't do any better than the workbook and other online resources at Fiology.com. It's practical, comprehensive, and grounded in the wisdom of people actually achieving Financial Independence."

Chad Carson

founder of Coach Carson and author of Retire Early with Real Estate

"Achieving the superpower of Financial Independence is obtainable for just about anyone. But in order to get there, each of us has had to scavenge this wisdom piecemeal from various books, websites and podcasts. The Fiology Workbook: Your Guide to Financial Independence brings all of this knowledge together in a single, well-organized, elegant place. I wish I had one of these years ago when I started!"

Doc G

creator of DiverseFI and host of the What's Up Next podcast

"If you want more control of your life, Financial Independence can give it to you. But how can you get Financial Independence? By picking up this book, going to Fiology.com and starting at the beginning. As you work through the lessons, your life will transform and you will feel more optimistic than you thought possible."

Stephen Baughier

founder of CampFI

"The Fiology Workbook has more than fifty practical and easy to digest lessons to get you on the path to Financial Independence. Each lesson encourages you to think critically about where you are, where you want to be, and take those next steps to reach your Financial Independence goal."

Justin McCurry

creator of Root of Good

"The Fiology Workbook: Your Guide to Financial Independence is the ultimate blueprint for anyone looking to achieve Financial Independence. Learn about the strategies and tactics from some of the thought leaders in the space in 50+ comprehensive lessons. Financial Independence is truly a superpower, you just have to know how to unlock it!"

Cody Berman

founder of Arsenal Discs, creator of Fly to FI, and host of The FI Show podcast

"If you've ever heard anything about Financial Independence that made you think that it was out of your reach, you need to dig into this incredible workbook. David has laid out, in a very clear and easy-to-use format, some of the steps you can take to reach your goals. Not only does the workbook give you a host of valuable tips and tricks, it lays out tables that you can use to actually see your progress!"

Tinian Crawford

creator of DIY2FI

"The idea of Financial Independence is thrilling; that good money choices gives us more freedom. But it can also be overwhelming to get started. The Fiology Workbook: Your Guide to Financial Independence guides you step by step to start building your best FI life."

Jillian Johnsrud

creator of Montana Money Adventures

"With high-quality curated content spread across over fifty motivating lessons, Fiology is the one-stop-shop for getting started on the journey to Financial Independence! The Fiology Workbook: Your Guide to Financial Independence provides the perfect complement to these lessons, creating a structured program that’s fun and easy to follow. This is the missing personal finance course I wish I had in college!"

Joel

creator of FI180 and host of the In Love and Money podcast

"This truly is your A-Z guide for achieving Financial Independence. The Fiology Workbook: Your Guide to Financial Independence has left no stone unturned. It balances all of the information, questions, and content you need with a digestible and engaging format to keep you going."

Nick True

creator of Mapped Out Money

Источник: https://www.subscribepage.com/free-fiology-workbook

Retiring Early & Moving To Portugal: An Interview with Amon & Christina of Our Rich Journey

Retiring Early & Moving To Portugal: An Interview with Amon & Christina of Our Rich Journey

The following conversation was conducted over email and edited for flow and clarity.

Acquania Escarne of Wealth Noir (WN): Amon and Christina, your story is so amazing. I cannot wait for you to share it with our readers. But first, can you tell our readers a little more  about yourselves? 

Amon and Christina Browning of Our Rich Journey: We’re former government employees from the San Francisco Bay Area. We have two young girls (ages 13 and 11). We have been pursuing FIRE (financial independence, retire early) for the past eight years. The concept of FIRE is fairly new, but it’s basically defined as having enough income to pay for your living expenses for the rest of your life without ever having to work again. In order to achieve FIRE, we focused on saving money, making money and investing money. We ultimately reached financial independence and retired early (at 41 and 39 years of age) in August 2019. We are now retired and live in Lisbon, Portugal.   

We have a Youtube channel with more than 140,000 subscribers and over 6 million views. On our channel, we share ways to make, save and invest money on the FIRE journey. We recently created a FIRE Workbook, which serves as a step-by-step guide for teaching people how to achieve financial independence and retire early. Our workbook can be found on our website.  We also document our journey on Instagram.  

WN: I bet being retired and living in Portugal must be nice. We are definitely going to talk about that more, but first, what inspired you to pursue FIRE? 

Amon and Christina Browning of Our Rich Journey: We began pursuing FIRE because we were becoming mentally and physically exhausted working our 9-5 jobs. We went from living in Los Angeles, to living in the San Francisco Bay Area, to living in Japan. While working, we got to the point where it seemed like our weekdays revolved around working and commuting to and from work. We felt like we were in the constant cycle of the rat race and we wanted to be able to spend more time with our daughters. As a result, our pursuit of FIRE took over.  

Fortunately for us, as a couple, we were on the same page when it came to pursuing FIRE.  When we decided to pursue FIRE, we began becoming more intentional with our money. We began saving 70% of our income, we started side hustles to make more money, we found ways to live rent and mortgage free, we used travel rewards to get free vacations, and we made a conscious decision to stop trying to keep up with the Joneses – which meant trading in our brand new BMW X5 for a used $800 minivan.  

WN: It’s really important for a couple to be on the same page, but your willingness to trade in a new car for a minivan, that’s dedication to the cause. So, I understand real estate investing helped you accomplish FIRE. Can you share how you first got started in real estate investing? 

Christina Browning of Our Rich Journey: We invested in our very first piece of real estate shortly after we graduated from college. We were living in San Diego in 2000 and the real estate market was very hot. Right out of college, Amon began working as a federal employee but I only had a part-time job. Because of this, we really weren’t making a lot of money and we definitely weren’t saving a lot of money. Because we didn’t have enough money to put down on a house, we invested in a lease option on a condo. We ultimately sold the lease option for a good profit, which allowed us to purchase our first condo. We lived in that condo for about a year. We then rented the condo out because we moved abroad to Spain. We got a good deal of rental income from the property, but then ultimately sold the condo while we were living abroad.  

Although we first got started in real estate when we lived in San Diego, our most lucrative real estate investments were from three live-in-flips that we did in the San Francisco Bay Area. We focused on purchasing properties that needed work. Instead of hiring contractors to do the work, we worked on the properties ourselves. We lived in the first property, fixed it up, took out the equity from the property, and used it to purchase the next property. We did this with three properties. We ultimately sold all three properties for more than a $400K profit and invested the majority of the profits into the stock market. 

WN: It’s great you started investing in real estate early and found a method that was best for your budget and lifestyle. Why did you choose real estate versus investing in the stock market initially? What attracted you to real estate? 

Amon Browning of Our Rich Journey: We were initially interested in real estate investing because we liked the idea of being able to transform properties and increase their value through sweat equity. We’re both drawn to projects that allow us to build and create. Investing in real estate properties with a live-in-flip mentality allowed us to do that. 

WN: So, after some success with real estate, what inspired you to start documenting your journey on your website and YouTube? 

Amon and Christina Browning of Our Rich Journey: We’re big fans of Youtube and always relied on Youtube to learn new things – from learning how to cook new dishes, to renovating homes, to learning languages, and pretty much everything in between. But, when we started our FIRE journey, there weren’t any Youtube channels that focused on FIRE. At the same time, we were always talking about our FIRE journey with our family and friends. Pretty much anyone who was interested, we shared with them the ways we were making money, saving money and investing money. At one point, our friend mentioned that we should start a Youtube channel – and the rest is history!  Now, about a year and a half since starting our channel, we have over 140,000 subscribers and more than 6 million views.  

WN: So many people focus on the good news FIRE stories. However, can you share with our readers what was challenging about pursuing FIRE in the beginning? 

Christina Browning of Our Rich Journey: I think, in general, the FIRE journey can seem daunting at the beginning because the goal is to amass a significant amount of money over a short period of time. This means that you’ve got to constantly think about ways to save and make money – while also ultimately investing the money in a way that produces maximum returns.  

For people who aren’t already earning outrageous incomes, the journey can seem challenging.  We know – because we’ve been there! We were both government employees. At one point on our journey, however, we were a single income household. I was unemployed and in law school, while Amon was working. Because we were a family of four on one government salary income, we were challenged to think creatively about making money and saving money.  Ultimately, we discovered ways to live rent and mortgage free and we took on side hustles to grow our income.  

The thing about the FIRE movement is that it isn’t without its challenges – but tackling those challenges head-on is well worth it in the end. People will face different challenges along the way – maybe they don’t make enough money; maybe their investments don’t produce the return they expect; maybe they have some other setback. What distinguishes people that achieve FIRE from those that don’t is responding positively to challenges. To achieve FIRE, a person has to first adopt the positive mentality that he/she can achieve financial independence regardless of the challenges that might arise. 

WN: Christina, I am glad you raised the point about amassing a huge amount of money. How do you calculate your FIRE number? 

Amon Browning of Our Rich Journey: To calculate our FIRE number, we relied on the 4% rule from the Trinity Study. The Trinity Study has been cited time and time again by a number of people in the FIRE movement. But, for people who are unaware of it – It’s a study conducted by Economics professors at Trinity University in Texas. The study looked at various asset mixes in stock and bond investment portfolios and determined safe withdrawal rates for people pulling from their portfolios. The study concluded that people with a heavily weighted stock portfolio, versus a portfolio made up of primarily bonds, would have a strong likelihood of being able to pull 4% from their investment portfolio without running out of money.  

Our investment portfolio is heavily weighted in stocks, which is why we used the 4% rule to calculate our FIRE number. In calculating our FIRE number, we first determined our projected expenses in retirement. We then took the annual amount of our projected expenses and multiplied it by 25. This amount was our FIRE number.  

One thing to note is that we had multiple locations that we thought about retiring to. We thought about returning home to the San Francisco Bay Area and we also thought about Hawaii, Thailand, Spain and Portugal. San Francisco, obviously, had the highest cost of living.  Thailand, on the other hand, had the lowest cost of living. Ultimately, for purposes of calculating our FIRE number, we decided to use our projected retirement expenses based on living in the San Francisco Bay Area. We did this primarily because we wanted to leave open the option of returning back “home” at any point in our retirement.  

In other words, by calculating our FIRE number based on the highest cost of living city that we considered, we knew that once we hit that number – we could live at any one of our potential retirement locations. Ultimately, we retired in Portugal. But, because we saved enough to retire in the Bay Area, we always have the option of returning to the Bay Area if we ever feel like it. 

WN: It was really smart of you to set a higher FIRE number so you could have flexibility in retirement. What were some of your milestones and how did you celebrate along the way? 

Amon and Christina Browning of Our Rich Journey: Once we determined our FIRE number, it seemed incredibly large. At the same time, we knew that we could achieve it. In determining our strategy, rather than work towards one massive goal, we decided to break our FIRE journey into ten smaller (seemingly more easily attainable) steps. Our goal then became tackling one step, achieving it, and then tackling the next step until we ultimately reached the tenth and final step. 

We tracked our progress along the way and we also celebrated our achievements. Because we used travel rewards to amass enough points to travel the world for free, we celebrated our milestones by traveling. Not only was traveling (for free!) a great way for us to celebrate our milestones, it was also a great opportunity to recharge from work and to remain motivated throughout our journey. While on our FIRE journey, we traveled all around the world. We went to Singapore, Japan, Spain, Italy, France, Portugal and Hawaii multiple times.  

WN: So, what are some ways to achieve FIRE faster? Did side hustles or part-time jobs have any role in your financial success and ability to achieve FIRE sooner? 

Amon and Christina Browning of Our Rich Journey: Side hustling definitely helped us achieve FIRE sooner. While on the FIRE journey, our goal was to make and save as much money as we could so that we could invest it and allow our money to grow. In other words, we realized that the more money we could save and the more money we could make, the more money we could invest for FIRE. The one thing about saving money, however, is that there is only so much someone can save. The options for making money, on the other hand, seem almost endless.  

Because we were government employees, we didn’t have huge salaries – so we had to rely on side hustles to earn extra money. Our big side hustle was renting out properties on AirBnB and flipping real estate. We were able to amass more than $400K in profits from flipping real estate.  In the process of flipping properties, we also discovered another side hustle – purchasing and reselling IKEA as-is furniture. We basically just routinely scoured the as-is section at IKEA, looked for heavily discounted items, purchased them, and then marked them up and sold them on Craigslist.  

We also became Uber drivers, but we only did this when Uber originally came out. A lot of people may not know this, but when Uber was originally developed in San Francisco, it was fighting with Lyft and taxis for a share of the market. Because of this, Uber wanted to entice drivers to work for them. At the time, Uber was offering drivers $20+ dollars an hour just to leave the Uber app open and to pick up rides when requested. So, we both signed up as drivers, left our apps open, and made $20+ dollars an hour each. The best part was that we never had to do any rides because Uber was so new at the time, that no one was using the app to request rides. In the end, we made more than $25,000 simply by leaving the Uber app open.  

WN: OK, let’s change subjects for a bit. On your YouTube channel, your kids are present and included in some of the videos. How did you get them to embrace saving and investing vs. toys, electronics and the latest craze? How did you make FIRE fun for everyone? 

Amon and Christina Browning of Our Rich Journey: We first started off with the understanding that it’s very common and normal for kids to want material things. Commercials constantly promote the newest and latest gadget. Not only that, but it seems that kids at school are constantly showing off their new gadgets, too! It’s like Keeping Up With the Joneses – School Version.  

To combat the constant “more is better” commercialism that we see all the time, we decided to take a different approach with our girls. Rather than giving them “more” in the sense of material things, we began giving them more in terms of financial literacy. We encouraged them to start  businesses, which they did. Once they began making money from their businesses, we started talking to them more about money and investing.  

After discussing the concept of investing with our girls, we ended up opening custodial investment accounts for them. Our girls now take their allowance, the money from their businesses, and their birthday money and invest it into their custodial accounts – which are invested in a total stock market index fund.  

Our girls have become so interested and motivated to invest because they see their custodial accounts grow. They see what happens when they put their money to work in the stock market.  They understand the power of compound interest. Everyday, our girls are becoming more and more financially literate. They’ve come to embrace saving and investing because they see the power of turning one dollar into two dollars into three dollars and so on.  

WN: So, previously you mentioned you lived in Spain and now you live in Portugal. Did you have any anxiety about moving abroad? How did you do it? 

Christina Browning of Our Rich Journey: We didn’t have any anxiety about moving abroad – mostly because we treated it as an adventure. Amon was born in San Francisco, but he was raised in Nigeria for five years when he was a child. His parents raised him to explore the world and welcome new opportunities. He also studied abroad in Thailand while he was in college, so living abroad wasn’t something entirely foreign to him. For me, right after graduating from college, I moved to Spain and lived there for three months. I had the amazing opportunity to travel throughout Spain and Morocco before moving back to San Diego to live with Amon.  

After living in San Diego for about two and a half years, we were presented with the opportunity to move to Spain. We were both 100% on board with the move! We ultimately moved to Spain and then to Japan – where both of our girls were born. In total, we lived in Spain and Japan for almost ten years. Looking back now, we both agree that taking the leap to live and work abroad was one of the best decisions we ever made.  

WN: That’s awesome. So, back to investing. What types of investments do you have? How did you get started investing in the market, and what advice do you have for someone getting ready to make their first investment? 

Amon and Christina Browning of Our Rich Journey: Financial literacy is key to investing.  For anyone getting ready to make their first investment, we would recommend that he or she first develop a goal. [It’s important to] understand what the money will be needed for, whether the money should be invested long-term or short-term, how the money will be accessed in the future, etc. Once the goal is developed, an investor needs to develop financial literacy and a clear understanding of what it is that he/she wants to invest in. Finally, the investor needs to develop an investment strategy.  

Our investment strategy has always relied on five main principles: 1) understanding our investments and keeping a simplified investment approach; 2) maintaining a diversified portfolio; 3) keeping our investment expenses low; 4) focusing on performance; and 5) minimizing risk.  

Based on these five principles, the majority of our portfolio is invested in a total stock market index fund. These types of index funds track the total stock market – so they’re very simple to understand: if the stock market goes up, the value of the index fund goes up; if the stock market goes down, the value of the index fund goes down. In terms of diversification, index funds that track the total stock market create the ultimate diversified portfolio because they can invest in more than 3,000 stocks. At the same time, index funds are not actively managed mutual funds, so the expense ratios tied to index funds are incredibly low – AND – total stock market index funds historically outperform actively managed mutual funds. Finally, by investing in total stock market index funds, versus selecting individual stocks, we’re minimizing our investment risk.  

WN: Now that you are retired, how do you spend your days? What’s the most different or most rewarding thing about retiring at this age? 

Christina Browning of Our Rich Journey: Our goal in retirement is to focus on doing the things we want to do.  When we were working, we dreaded Mondays. We never fully enjoyed our Sundays because we knew we had to get up the next day and drag ourselves to work.  Now, in retirement, it’s like everyday is a Saturday – we get to fully enjoy every day!  

For example, one of the things we looked forward to the most in early retirement was being able to spend more time with our girls. Now that we’ve retired, we get to walk them to school and pick them up from school everyday. We get to visit them at their school. We get to help them with their school projects. We get to volunteer more with their swim and basketball teams. Most importantly, we’re not tired from working eight-plus hours at the end of the day when we see them.  

Spending more time with our girls is the most rewarding thing about retirement at this age. At the same time, our days in early retirement don’t merely revolve around our girls. Amon and I study Portuguese and take language classes, we work out every day, we go to cafes, we meet up with friends, we meet people pursuing FIRE, we go to the library, we explore the city – our days are full of constant movement. In other words – it’s everything we’d hoped it would be, and more.

Acquania Escarne is the creator of The Purpose of Money, a community of women building generational wealth for their families one dollar at a time. As an entrepreneur, real estate investor, and licensed insurance agent, Acquania has always been passionate about financial literacy. On her website, Acquania blogs about ways to help you improve your money habits, create wealth, and invest in real estate. Follow Acquania on social media for daily tips.

Retiring Early & Moving To Portugal: An Interview with Amon & Christina of Our Rich Journey

Filed Under: Interviews, Retirement, The Knowledge

Источник: https://www.wealthnoir.com/blog/our-rich-journey-interview/

watch the thematic video

The Fiology Workbook: Your Guide to Financial Independence

"We're so glad this workbook exists because now we can point people to ONE place to get all the details, tips, and guidance they need to achieve Financial Independence."

Julien and Kiersten

creators of rich & Regular

"You’ve read the books and websites about Financial Independence. Now here’s your workbook, your worksheets, and your detailed instructions!"

Doug Nordman

founder of The Military Guide and author of The Military Guide to Financial Independence and Retirement

"An incredible, invaluable tool for anyone looking to uplevel their financial life."

Kelsa Dickey

founder of Financial Coach Academy, host of the Fiscal Fitness podcast, and author of The Financial Coaching Playbook

"While there is no short cut to learning, you CAN choose the source of who you learn from. And if you want to learn about Financial Independence, you can't do any better than the workbook and other online resources at Fiology.com. It's practical, comprehensive, and grounded in the wisdom of people actually achieving Financial Independence."

Chad Carson

founder of Coach Carson and author of Retire Early with Real Estate

"Achieving the superpower of Financial Independence is obtainable for just about anyone. But in order to get there, each of us has had to scavenge this wisdom piecemeal from various books, websites and podcasts. The Fiology Workbook: Your Guide to Financial Independence brings all of this knowledge together in a single, well-organized, elegant place. I wish I had one of these years ago when I started!"

Doc G

creator of DiverseFI and host of the What's Up Next podcast

"If you want more control of your life, Financial Independence can give it to you. But how can you get Financial Independence? By picking up this book, going to Fiology.com and starting at the beginning. As you work through the lessons, your life will transform and you will feel more optimistic than you thought possible."

Stephen Baughier

founder of CampFI

"The Fiology Workbook has more than fifty practical and easy to digest lessons to get you on the path to Financial Independence. Each lesson encourages you to think critically about where you are, where you want to be, and take those next steps to reach your Financial Independence goal."

Justin McCurry

creator of Root of Good

"The Fiology Workbook: Your Guide to Financial Independence is the ultimate blueprint for anyone looking to achieve Financial Independence. Learn about the strategies and tactics from some of the thought leaders in the space in 50+ comprehensive lessons. Financial Independence is truly a superpower, you just have to know how to unlock it!"

Cody Berman

founder of Arsenal Discs, creator financial independence retire early workbook Fly to FI, and host of The FI Show podcast

"If you've ever heard anything about Financial Independence that made you think that it was out of your reach, you need to dig into this incredible workbook. David has laid out, in a very clear and easy-to-use format, some of the steps you can take to reach your goals. Not only does the workbook give you a financial independence retire early workbook of valuable tips and tricks, it lays out tables that you can use to actually see your progress!"

Tinian Crawford

creator of DIY2FI

"The idea of Financial Independence is thrilling; that good money choices gives us more freedom. But it can also be overwhelming to get started. The Fiology Workbook: Your Guide to Financial Independence guides you step by step to start building your best FI life."

Jillian Johnsrud

creator of Montana Money Adventures

"With high-quality curated content spread across over fifty motivating lessons, Fiology is the one-stop-shop for getting started on the journey to Financial Independence! The Fiology Workbook: Your Guide to Financial Independence provides the perfect complement to these lessons, creating a structured program that’s fun and easy to follow. This is the missing personal finance course I wish I had in college!"

Joel

creator of FI180 and host of the In Love and Money podcast

"This truly is your A-Z guide for achieving Financial Independence. The Fiology Workbook: Your Guide to Financial Independence has left no stone unturned. It balances all of the information, questions, and content you need with a digestible and engaging format to keep you going."

Nick True

creator of Mapped Out Money

Источник: https://www.subscribepage.com/free-fiology-workbook

How to Achieve Financial Independence and Retire Early

We all make poor financial decisions sometimes. No one knows this better than J.D. Roth.

In 2004, deep in financial debt, Roth resolved to turn things around. Reading every money book he could, and putting that dsus4 f# guitar chord into practice, he dug himself out of debt and built enough wealth to retire early. He is now, at the age of 51, financially independent - and on a mission to help others achieve financial freedom, too. No gimmicks, no games. Just proven methods that work.

In this audiobook, Roth takes you inside the trending world of financial independence and early retirement, giving you the tools both to achieve financial independence and to improve the quality of your everyday life. You'll explore the ins and outs of the "FIRE movement", a collection of ideas and habits that allow people to manage their money so they can quit working while they're young. You'll consider the shockingly simple math behind financial freedom. You'll also examine the philosophy and psychology of how - and why - we spend, save, and invest. 

Financial freedom is possible. And no matter what your goals are, these 10 lessons will bring you closer than ever to achieving what that freedom means: happiness, fulfillment, and a rich life.

Источник: https://www.audible.com/pd/How-to-Achieve-Financial-Independence-and-Retire-Early-Audiobook/B08VWWK5B4

The F.I.R.E. Planner (A Step-by-Step Workbook to Reach Your Full Financial Potential)

The F.I.R.E. Planner (A Step-by-Step Workbook to Reach Your Full Financial Potential) by Michael Quan, 9781982169657
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Plan for your financial future with this interactive guide to everything there is to know about mindful spending, strict saving regimes, clever investments, and sustainable living so you can achieve financial independence early and, ultimately, live a more simple, happier life.

F.I.R.E—Financial Independence, Retire Early—is a popular lifestyle movement amongst millennials and Gen Xers. The F.I.R.E. Planner is the first illustrated, interactive guide to putting this philosophy into practice. This accessible book teaches you everything there is to know about strict savings, smart investing, mindful spending, and living sustainably to ensure financial independence for a much simpler and happier life. Start planning for your future life today and make the most of your current income so you can live the life of your dreams.

This book title, The F.I.R.E. Planner (A Step-by-Step Workbook to Reach Your Full Financial Potential), ISBN: 9781982169657, by Michael Quan, published by Tiller Press (May 4, 2021) is available in paperback. Our minimum order quantity is 25 copies. All standard bulk book orders ship FREE in the continental USA and delivered in 4-10 financial independence retire early workbook days. Expedited shipping is also available.

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Playing With FIRE Summary

1-Sentence-Summary:Playing With FIRE will teach you how to be happier with your financial life and worry less about money by getting into the Financial Independence, Retire Early (FIRE) movement.

Read in: 4 minutes

Favorite quote from the author:

Playing With FIRE Summary

A couple of years ago my wife and I began looking at what it would take for us to buy a house. Even though I was making a decent salary as an engineer, it was just beyond what we could manage at the time. It was discouraging, but I got to work looking for how to fix this frustrating situation. 

Since then I’ve discovered a lot about what it really takes to become financially healthy. A large part of it is being smarter about your money than just trusting what society tells you is normal.

That’s why I love Playing financial independence retire early workbook FIRE (Financial Independence Retire Early): How Far Would You Go for Financial Freedom? This book encompasses a lot of the principles that helped me drop my dead-end job, double my income, and begin to live financially free for the rest of my life. This one will change your life in a big way.

This book taught me these 3 important lessons (and more!):

  1. You want to practice the FIRE technique so you can have the freedom to not need to work for money.
  2. Wisely investing and aggressively saving your money are the vital components of financial independence.
  3. Even if you don’t make a lot of money, you can use the FIRE method flexibly for a better life.

Are you finally ready to feel relieved about your money situation instead of stressed by it? Let’s light emb agar test results FIRE!

If you want to save this summary for later, download the free PDF and read it whenever you want.

Download PDF

Lesson 1:  Practicing FIRE will help you not have to work for money and begins with taking advantage of the 4% rule.

The author discovered that FIRE isn’t just a good idea, but that there are many people practicing it already. As he began it himself, he saw the potential it had to free him of a lot of stressful money woes. 

But you might be thinking that super early retirement sounds boring, right? In reality, a lot of people don’t actually completely stop working. They just use the freedom of not having to work for money for better things. Like being flexible with their career, traveling, donating to charity, or pursuing passions. 

In 2005 a woman named Sylvia had just completed law school and got her first job in New Orleans. Then Hurricane Katrina hit. The aftermath made Sylvia drop most of her possessions and move. 

This sudden loss of her things motivated a change to a more frugal lifestyle. Working extra on weekends and saving like crazy gave Sylvia the opportunity to try beginning her own law firm.

To start with FIRE yourself, find your annual expenses and multiply by 25. That’s the amount that, if you saved and invested, you could live off of forever because of the 4% rule. This comes from a study that found that only withdrawing 4% of your investments allows you to survive market dips and inflation.

If you have $60,000 yearly expenses, for example, you’d need $1.5 million to live only off your investments for the rest of your life!

Lesson 2: Financial independence requires that you make smart investments and save aggressively.

So you know what the end goal is, but how do you get there? The next step toward financial independence is to look at your finances in detail. You’ll need to maximize assets and minimize expenses. 

Start by tracking where each bit of your money is going. Look at all spending and savings over the last year. With a FIRE mentality, you should aim to save and invest 50-70% of your income. A good place to begin is with the main expenses of food, transportation, and housing. 

The author began traveling after he began his FIRE journey but lived with family to cut costs. They then found a more affordable city to live in. Biking to work made it possible to only get one car. 

For this, the blogger behind the FIRE blog recommended looking for used cars in the $5,000 price range as they don’t depreciate as poorly as leased cars. They needed something that could handle the terrain, so they financial independence retire early workbook for a $7,500 Honda CRV.

Then it came to savings. The author focused on just three types: stock market investments, business ventures, and real estate. For investing in stocks, it’s best to go with index funds as they’re cheap and perform at the average of the market as a whole. Even Warren Buffet recommends this over getting a money manager!

Lesson 3: The FIRE mentality is flexible and works for anyone regardless of income level.

You might be sitting there thinking this all sounds great but wondering how you can do this with how little you make. The truth is, it doesn’t matter what you earn, it’s what you do with it that makes the difference. 

More money might get you to retirement faster, but it’s not a requirement for Financial independence retire early workbook. One 26-year-old woman from Colorado is a great example. At only 26 she got “millennial depression” which is when the idea of being in her job until 65 got her feeling trapped and down. 

This is about when she heard about and began reading a few FIRE blogs. Between her and Kyle, her boyfriend, they made less than $50,000 a year. But after cutting expenses to only $32,000, they’re on track to be financially independent in only six years!

The core of this mentality isn’t to just go crazy with saving and investing. It’s more about putting happiness over material possessions. Some people do get pretty wild with their saving plans, but you can be as flexible as you want.

I heard someone once compare it to being hot and cold. When it’s cold, you can keep adding layers to stay warm. But in a heat wave you can only take off so much before you start to get into trouble. 

Money is the same way, you shouldn’t expect yourself to just keep cutting expenses like crazy and live happily. Cut some, yes, but focus mostly on increasing your income, saving, and investing. Soon you’ll be financially free and ready to retire early!

Playing With FIRE Review

Playing With FIRE is my kind of book, I loved this one! I’m not too keen on the idea of retirement, but the way this approached it was fantastic. If you’re sick financial independence retire early workbook the 9-5 slog and can’t stand the idea of doing it for 30+ years only to have free time when you’re too old to do much, you’ve got to read this book!

Read full summary on Blinkist >>

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Who would I recommend the Playing With FIRE summary to?

The 24-year-old who just began their first full-time job out of college and can’t imagine staying there for a third of their life, the 45-year-old couple who lives paycheck to paycheck and feels trapped, and anyone who wants a better way of life than what society preaches is the norm!

This book has an average rating of 4.3 based on 3 votes.
Источник: https://fourminutebooks.com/playing-with-fire-summary/

11 Best FIRE (Financial Independence Retire Early) Books

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While there are a ton of money books, and I’ve read hundreds of personal finance books over the years, there really aren’t that many FIRE (financial independence retire early) books, but more are starting to be released.

I’ve had the opportunity to read literally all of them and here are what I think are the Best FIRE books.

Best FIRE Books for 2021

I’ll continue to add to this list as more make the cut. If you’re interested in pursuing FIRE, then this list of books is not only an incredible place to start, it will literally give you the exact blueprint that you can customize to accelerate your own financial independence journey.

1. Financial Freedom: A Proven Path To All The Money You Will Ever Need by Grant Sabatier

Financial Freedom Grant SabatierThis is my book, so it’s a shameless plug, and I’m not putting it first because I think it’s the best. I simply put it first because this is my blog and I’m extremely proud of it, but I worked hard to make Financial Freedom as comprehensive as possible and the perfect starting point for anyone interested in FIRE and financial freedom.

Many readers agree, with The Ladders recently voting Financial First bank card credit limit increase one of the top 10 personal finance books of all time, Lifehacker saying “Financial Freedom blew my mind…,” and over 100 Amazon reviewers have called it “life changing”.

The book is a step by step guide in 14 chapters to help you make more money in less time and create more freedom in your life.

I held nothing back when writing this book and go deep on all the key topics you need to know to reach FIRE, including:

  • How much money you need
  • How to maximize your happiness per dollar
  • How to change your relationship with money
  • How to get a raise
  • How to start a side hustle
  • How to invest in stocks, bonds, and real estate
  • The best money habits to help you fast track financial independence

It’s definitely worth checking out and don’t forget to let me know what you think.

Purchase Financial Freedom Now!

2. Your Money or Your Life by Vicki Robin & Daryl hall i only have eyes for you Dominguez

Your Money or Your Life

This book completely changed how I think about money. In fact, it changed my life. Updated in 2018, Your Money or Your Life is an absolute classic for a reason.

My favorite chapters are the mindset ones, the discussion about the four pillars of financial independence, frugality, and the step by step strategy for how to calculate how much money you’re actually making per hour.

If you want to calculate your real hourly wage check out the real hourly wage calculator. No matter where you are in your own financial journey it’s worth reading the classic book that’s sold over 1 million copies and started the FIRE financial independence retire early workbook can also check out Vicki and I chatting about the FIRE movement and a whole lot more in the financial freedom podcast episode, The Space of Freedom w/ Vicki Robin or below.

Purchase Your Money or Your Life Now!

3. The Simple Path to Wealth by JL Collins

The Simple Path to Wealth

While I didn’t read Homes for sale in pelham nh Collins investing masterpiece until after I’d already reached financial independence, this book is definitely one of the best to help you reach financial independence.

While the book largely focuses on investing, the book is so popular because JL’s writing and steps are laid out simply and are easy to follow.

A Simple Path to Wealth is largely based around a series of blog posts JL wrote on his website about stock investing intended for his college bound daughter.

So while geico home insurance usa of this information is available completely for free in JLs stock series there is some additional high value content that makes it worth reading the book.

Purchase The Simple Path to Wealth Now!

4. Set for Life by Scott Trench

Set For LifeScott Trench is the CEO of Bigger Pockets, the popular real estate investing community, and one of the smartest people I know when it comes to money.

In his book Set For Life, he walks you through a three phases approach to accelerating your financial independence.

With a large focus on house hacking and real estate, Scott lays out a step by step plan for anyone to strategically use real estate to make work optional.

While the book is largely geared towards people who are single and in their 20’s or early 30’s, I think the creative ways he thinks about money make this a must read for anyone starting their financial independence journey.

Purchase Set For Life Now!

 

5. Quit Like A Millionaire by Kristy Shen & Brice Leung

Quit Like A MillionaireKristy and Bryce are the creators of the popular Millennial Revolution blog and my good friends. Here’s an excerpt from my Quit Like A Millionaire review.

I loved this book so much. It is so full of life financial independence retire early workbook color and beautifully written. I expected a lot but was blown away. This is unlike any other money book I’ve ever read and will inspire a ton of people.

Quit Like A Millionaire is the perfect balance of story, tactics, and motivation.

It’s without a doubt the most entertaining money book I’ve ever read, simply because Kristy’s story is so engaging.

I read the entire book on a 6 hour plane ride and literally laughed out loud. I can’t ever remember laughing that hard reading any book, let alone a personal finance book.

Another thing I like was the incredible amount of detail in the book, with many charts and graphs to illustrate the most important points and key takeaways. Here are Kristy and Bryce on my financial freedom podcast.

Purchase Quit Like a Millionaire Now!

6. The 4-Hour Workweek by Tim Ferriss

4 Hour WorkweekThis is the book that started it all for digital nomads and while it’s not a money book, it’s focus on entrepreneurship and making money from anywhere makes it indisputably a FIRE book.

While I have some issues with the book, mainly that Tim makes it seems a lot easier than it actually is to be location dependent, the book is incredibly useful for the mindset that instills in the reader.

I remember reading The 4 Hour Workweek when I was 24 and it completely blew my mind. The best parts of the book focus on automating your business and building a passive income lifestyle business, which I expand on greatly in my book.

Tim also created the idea of the “mini-retirement” and viewing your earning financial independence retire early workbook as a series of phases, instead of one long 9 to 5 grind.

The 4 Hour Workweek is definitely worth a read if you’re interested in entrepreneurship, which is one of the fastest paths to financial independence.

Purchase The 4-Hour Workweek Now!

7. I Will Teach You To Be Rich by Ramit Sethi

I Will Teach You To Be RichIf you’re interested in making more money (remember you can only cut back so much), then you should check out I Will Teach You to Be Rich, a true personal finance classic.

Ramit financial independence retire early workbook recently released a fully updated version in honor of the 10th anniversary of the book. I first read Ramit’s book when I was 25 and it not only left a huge impression on me, I was actually able to implement a number of the strategies immediately.

Ramit has a great way of making money very simple and with a large focus on income optimization and launching your own business this is an exceptional book for entrepreneurs.

In the book, he presents a number of different mindsets that will change how you think about money and its role in your life. He’s also a deep thinker and presents a compelling case for how to best spend money to maximize happiness in your life.

It’s a worthy addition to any FIRE movement bookshelf and well worth buying a copy.

Purchase I Will Teach You To Be Rich Now!

8. Playing with FIRE by Scott Rieckens

Playing with FIREIn addition to putting out the incredible Playing financial independence retire early workbook FIRE documentary, which I was honored to be included in, Scott Rieckens also wrote a great starter book about him and his wife’s discovering and the first year following the FIRE movement.

It’s an incredibly moving story and the perfect entry point to FIRE, especially if you want to get one of your friends or your partner on board. Sometimes books full of charts and numbers can feel a little like homework and be too daunting.

While this book lacks the detailed charts and steps to follow if you want to pursue FIRE, that’s not the point of the book. The point is to intimately introduce you to what it feels like to change your financial life and start prioritizing happiness in your life.

I loved Scott’s down to earth and accessible writing style, as well as his overview of the FIRE movement that’s spreading the world.

If you’re looking for a book to get your friend on board with the movement or a human story about how it feels to discover and follow the FIRE movement then this is definitely worth a read.

Purchase Playing with FIRE Now!

9. Retire Early with Real Estate by Chad Carson

Retire Early with Real EstateReal estate investing, in my opinion, is the fastest path to financial independence and Retire Early with Real Estate is an exceptional blueprint for making it happen.

I’ve known Chad for a number of years and he’s the real deal, having invested in hundreds of properties and reaching financial independence in his 30’s.

While I would by no means call myself an advanced real estate investor, I’ve read quite a few real estate investing books and this is by far my favorite.

Not only because of the simple steps that get more complicated as the book builds, but because the focus, like in Your Money or Your Life, is on how much is enough?

So many real estate books focus on building insanely large portfolios or helping you build a real estate empire,  Chad’s book’s explicit focus is on helping you retire early using real estate.

There’s a big difference in both mindset and strategies. I learned a lot from this book and it even changed how I’m thinking about buying my next investment property.

If you are even remotely interested in real estate investing you should read Retire Early with Real Estate.

Purchase Retire Early with Real Estate Now!

10. The Art of Living by Thich Nhat Hanh

The Art of LivingMoney only matters if it helps you live a life you love. While this is by no means a “money” book, it’s an absolutely extraordinary “life” books and one of my favorite books of all time.

One of the biggest challenges of following FIRE isn’t the tactics, it’s choosing to live differently than those around you. It’s choosing to live your own life and not the life that anyone else is living.

The FIRE movement is all about living life on your own terms and so is this book.

On my own financial independence path, I found the work of Thich Nhat Hanh incredibly helpful in guiding my own journey and life.

While Thich Nhat Hanh has written many books and I’ve read dozens of them, The Art of Living is by far my favorite and will likely be his last book given his stroke a few years ago.

No matter where you are in your own financial journey I strongly recommend this book, which has also been helping in my life after reaching financial independence.

Purchase The Art of Living Now!

11. The Bogleheads Guide to Investing by Taylor Larimore, Mel Lindauer, and Michael LeBoeuf

Bogleheads Guide to InvestingWhile many of the best FIRE books include sections on investing, The Bogleheads Guide to Investing is by far the best investing book I’ve read and is a great place to dive deeper into the FIRE investing strategy.

Following the principles established by the late Founder of Vanguard, Jack Bogle I found this book even better than Jack’s own books and the perfect starting point for anyone interested in investing.

With a large focus on index fund investing, this guide gives you not only the steps but also a comprehensive behind the scenes look at how and why investing in index funds works.

There are also detailed instructions on how to build and manage your own two or three funds investing portfolio without needing any help or a financial advisor.

I’ve come back to this book on my own journey many times, especially for the tax-efficient investing recommendations, and it’s worth reading for anyone interested des nc gov weekly certification making the most of their money.

Purchase The Bogleheads Guide to Investing Now!

 

What’s your favorite FIRE (financial independence retire early) book?

Reading Guide: Retire Early

Источник: https://millennialmoney.com/best-financial-independence-retire-early-books/

Financial Independence Retire Early (FIRE) Workbook: A Step-by-Step Workbook for Reaching Financial Independence and Retiring Early

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Title: Financial Independence Retire Early (FIRE) .
Publisher: Independently published
Publication Date: 2019
Binding: Paperback
Book Condition: Very Good

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financial independence retire early workbook

4 Replies to “Financial independence retire early workbook”

  1. Everyone can make smarter decisions, instead they breed and stay in poverty their whole lives. At least this couple tried to be successful, they just screwed it up by having kids they weren't ready for.

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