At 48, Kim Hunter-Borst was drowning in debt even though she had a solid New York income. Where was the money going? How did she fix it and reach early retirement by 58? We find out in this no-shame late-starter conversation that was recorded live in Bali at the FI Freedom Retreat (please excuse the background noise!)

Kim was firmly in the messy middle and retraces the moment she decided to stop winging it. She shares some simple systems that finally stuck, and the handful of brave choices—asking for more at work, saying no to status buys, and saying yes to purpose—that changed her trajectory. In this candid interview, you'll also hear:

1. The money scripts Kim had to rewrite
2. The tools that actually helped
3. The joyful stuff she refused to cut while saving
4. How she healed her 'one more year syndrome'
5. What she's doing now to help others on their FI journey

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