This week's podcast is all about 51-year-old Julian. We picked up the phone for a good old kōrero in late June 2025. Let’s just say, if talking were an Olympic sport, Julian and I would tie for first place. Late in 2023, useful financial resources started appearing on his radar, not that he tuned into them fully, but they set him on a journey. From there, he began his financial U-turn, which led him to The Happy Saver and all the inspiring stories I’ve shared. He discovered The Barefoot Investor, Rebel Finance School, Mr. Money Mustache, and the world of financial security and independence in general. In this way, he feels that as a late starter, he has found a community that values discussing money. And although he still has a way to go, and he’s easily distracted, he’s feeling increasingly confident with the financial scaffolding he has begun to put in place. He’s got 14 years to go before his 65th birthday and, if he can keep himself on track (something that doesn’t come easily to him), he’s setting himself up for success.

THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.

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