Find Your Freedom

#30: Don't earn much but still want to live a life you love? Moriah Chace has figured out lifestyle design on a small budget. She is just 22 years old, and has already paid off a lot of student debt, saved a year's worth of expenses, and moved across the country to start a new career. Moriah writes about money management and social impact at OurTable4Two.com.

In this episode, we discuss:

• Choosing a career based on impact not income
• How to save money through mindful spending
• The application strategy that landed her 3 job offers
• How to automate your savings & investments
• Strategies for giving money on a small budget

If you want to learn more about designing your lifestyle on a small budget, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I'd really appreciate it.

Sponsor - Money Coaching with Becky

It's time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.

Start with a free 15-minute coaching call, where she'll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you're also going to get a FREE budgeting spreadsheet, just for booking a call.  

For more information, visit the show notes at https://www.twentyfree.co/episode30/

#29: Emergency funds give you peace of mind when the unexpected happens. In this episode, Becky answers all of the most common questions about emergency funds. Unexpected emergencies can happen no matter how carefully you plan, which is why having an emergency fund is so important. Whether it is a family member getting sick, your car breaking down, or getting laid off from your job, emergencies get even worse when you don't have enough money to get you through a difficult time. 

In this episode, we discuss:

• What an emergency fund is
• When you should start building an emergency fund
• How large your emergency fund should be
• How to start saving even if you can't save much
• Where to keep your emergency fund
• When it's OK to use your emergency fund

If you want to learn more about saving an emergency fund, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I'd really appreciate it.

Sponsor - Money Coaching with Becky

It's time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.

#28: Want to retire early but hate budgeting? Dragon Gal never explicitly planned for early retirement or had a budget, but she realized that she could retire at 40. She retired early in 2017 from full time teaching, a few months after finding out about the FIRE movement. Dragon Gal and her husband Dragon Guy write about retiring early and living with cancer on their blog at thedragonsonFIRE.com. In this interview, she shares the money habits that helped her retire early, how she transitioned out of her teaching job, and what early retirement looks like for her. 

In this episode, we discuss:

• Money habits to make early retirement automatic
• Ways to quickly cut your expenses
• Things to do before giving notice at your job
• How everyday life changes in retirement
• Why you should let your early retirement unfold naturally

If you want to learn more about retiring early without budgeting, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I'd really appreciate it.

Sponsor - Money Coaching with Becky

It's time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.

#27: It's possible to enjoy your journey to financial independence. You can use the incremental financial freedoms that you gain along the way to incorporate aspects of your ideal life into your life now. Lifestyle design is an important component of creating an enjoyable and sustainable path to financial independence. Sure, 10 or 15 years of work sounds short compared to the typical 40 year career. But if you want to avoid burnout and make the most of your time while you're pursuing FI, balancing financial independence with lifestyle design is crucial.

In this episode, we cover:

• The real goal of people pursuing FI (hint: it's not early retirement)
• How FIRE doesn't always turn out as expected
• Case studies of early retired folks who'd change their approach
• Examples of people pursuing FI & lifestyle design together
• How to make the pursuit of FI enjoyable

If you want to learn more about enjoying your journey to financial independence, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I'd really appreciate it.

Sponsor - Money Coaching with Becky

It's time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.

#26: Don't wait until you retire to start doing things you love. As you save money towards retirement, there are ways to use your incremental financial freedom to start living your ideal lifestyle now. Jessica from the Fioneers shares the concept of SlowFI, and how it allows you to utilize the financial freedom you gain along the way to live a happier and more fulfilling life now. Jessica also shares how she is on a 10-year timeline to financial independence (FI) even though she and her husband both work in the nonprofit sector and live in a high cost of living area. 

In this episode, we talk about:

• How to make sure you enjoy the process of achieving FI
• Why you don't have to work a job you hate to retire early
• How working less can actually SAVE you money
• Going part-time without extending your timeline to FI
• Why you should pursue meaningful work now

If you want to learn how to start living your ideal life on the journey to financial independence, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I'd really appreciate it.

Want a refresher on the basics of Financial Independence, Retire Early? Listen to Episode 5. 

Listen to the full guide to Lifestyle Design in Episode 7.

Jessica is a previous podcast guest, who shared how to manage stress during a crisis in Episode 15. 

Today's sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action

#25: Do you want to be debt free? Here's the ultimate guide to paying off all of your debt. In this episode, Becky discusses strategies and tips for paying off debt, the order in which you should pay off debt, and how to balance paying off debt with other financial goals such as investing. She also shares her approach to balancing paying off her student loans and investing for retirement.

In this episode, we answer the questions:

• How much debt do I even have?
• How does debt payoff work?
• What order should I pay off my debt?
• Should I pay off debt or invest?

If you want to learn more about how to become debt free, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I'd really appreciate it.

Do you want the peace of mind that comes with being debt free?

It's time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.

Start with a free 15-minute coaching call, where she'll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you're also going to get a FREE budgeting spreadsheet, just for booking a call.  

For more information, visit the show notes at https://www.twentyfree.co/episode25/

APPLE PODCASTS:

Apple podcasts summary limit is 512 characters (make sure show notes linked).

#25: Do you want to be debt free? Here's the ultimate guide to paying off all of your debt. In this episode, Becky discusses strategies and tips for paying off debt, the order in which you should pay off debt, and how to balance paying off debt with other financial goals such as investing. 

If you want to learn more about how to become debt free, take a listen to this episode.

Show notes at https://www.twentyfree.co/episode25/

Please subscribe, rate & review.

#24: After overcoming poverty, divorce and single motherhood, Jackie still reached FIRE in her 40s, making less than six figures. Jackie Cummings Koski shares how she reached financial independence in just 10 years, and retired in December 2019. Now, she's following her dream of creating a financially literate society. Jackie talks about how she overcame poverty, became a 1st generation college graduate, learned how to save and invest, and taught her daughter about personal finance.

In this episode, we discuss:

• Why Jackie waited 2 years after FI to retire early
• How to get past the taboo and talk about money
• How Jackie's path to FIRE differed from the norm
• How to teach others (especially your kids) about finance
• How to use early retirement to create a lasting legacy

If you want to retire early, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I'd really appreciate it.

Today's sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today! 

Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.

For more information, visit the show notes at https://www.twentyfree.co/episode24/

#23: Debt is the opposite of freedom. In fact, it is the biggest barrier holding most millennials back from finding their freedom and pursuing their ideal lives. In this episode, Becky explains why she thinks there's no such thing as good debt (just better debt), ranks the types of debt from better to worse, and discusses options you can consider instead of accruing debt. 

In this episode, Becky covers:

• What is debt?
• Alternatives to mortgage debt and car loans
• The absolute worst type of debt
• Why you should avoid & pay off debt ASAP

If you want to learn more about debt and how to avoid it, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I'd really appreciate it.

Today's sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today! 

Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.

For more information, visit the show notes at https://www.twentyfree.co/episode23/

#22: Keep working from home even after coronavirus is over! Here's exactly how to negotiate full-time working from home (WFH) with your boss. Ms. Mod from Modest Millionaires is a Canadian mom who turned her government position into a remote job in 2018 so she could spend more time with her young kids.  She shares her step-by-step process for preparing to ask, having the first conversation, and making a formal proposal to take your job remote.

In this episode, we talk about:

• Customizing your role to be perfect for WFH 
• How to approach your direct supervisor
• What to say to get upper management on board
• What a win-win WFH proposal must include

If you want to learn how to negotiate a full-time work from home position at your current job, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I'd really appreciate it.

Listen to Episode 21 to learn more tips for being productive while working from home. 

Today's sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today! 

Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.

For more information, visit the show notes at https://www.twentyfree.co/episode22/

#21: Get work from home tips from someone who's had practice! In this super-actionable episode, Becky shares her best tips on how to stay productive while working from home. Becky's been working from home once or twice a week for 2 years and made the switch to working from home full-time in January 2020. This advice covers the stuff you need and actions to take to have a productive work day at home, and will work for you even if you have multiple people working from home or don't have a separate home office. No fancy treadmill desks here - just practical solutions to common work from home problems. 

In this episode, I cover:

• How to create a workspace when you don't have a home office
• Ways to manage your attention to be as productive as possible
• The exact routines I use before and after work
• Tips for "switching on" and "switching off" from work
• The #1 thing not to do if you want to stay productive at home

If you want to be more productive while working from home than you are in the office, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I'd really appreciate it.

Today's sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!