In this second half of his conversation, Gagan Sandhu pulls back the curtain on what it really means to design financial independence. It’s not about the FIRE movement or early retirement—it’s about knowing your trade-offs and making conscious, math-informed decisions that align with your values. From career reinvention every 10 years to balancing ambition with family time, Gagan offers Gen Xers a refreshingly grounded take on money, identity, and midlife work design.

>>Financial Independence Is a Design Decision

“I didn’t quit to escape. I quit because I could—on my own terms.”

Gagan redefines financial independence not as a finish line, but a framework for how to live, work, and choose with freedom.

>>It’s Not About the Number. It’s About the Math Behind Your Life

“I built a five-year runway—not a fantasy.”

He walks through how he calculated his freedom, X + Y + Z style: long-term retirement, short-term burn, and real-life expenses like college.

>>FIRE vs Philosophy

“Desires evolve. So does your definition of freedom.”

In a head-to-head with Vince, Gagan goes deep on the psychology of wealth—and why independence without self-awareness is just another trap.

>>Ageism or Skill Gap?

“Don’t blame age. Upgrade your playbook.”

Gagan reframes mid-career uncertainty not as an HR problem, but a personal pivot point—and makes a sharp case for reinvention every 10 years.

>>Teaching the Tool, Not the Trick

“You don’t need financial content. You need clarity.”

He explains how Zillion helps busy families and immigrants manage wealth like pros—not through advice, but through intuitive, data-backed modeling.

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Host: Vince Chan | Guest: Gagan Sandhu

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