Can you reach financial independence by your 30s if you start early enough? We chat to Lucy and Kieran who are still in their twenties with a house and family but expect to reach Coast FI - where their investments are established and they can work fewer hours to meet their spending - in their early 30s.

They talk about both having a frugal mindset from an early age and meeting up with shared goals of making money fit their lifestyle and not the other way around. We cover how they manage their money and how they explain what they are doing to friends and family.

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