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Freedom Before FI | Life Design, Purpose, Sabbaticals, Coast FI & Financial Independence (FIRE)
Freedom Before FI | Life Design, Purpose, Sabbaticals, Coast FI & Financial Independence (FIRE) episodes
- 27. Rich Dad Poor Dad: 3 Big Lessons from Financial Independence Books (Pt. 1)
It’s no secret that books can be life changing. In the next few episodes, I’ll be giving you my 3 biggest lessons learned from some Financial Independence books that have changed my life on my journey. Up first we have Rich Dad Poor Dad by Robert Kiyosaki.
Today’s topics:
- Outline concept of the book
- Key Lesson No. 1
- Key Lesson No. 2
- Key Lesson No. 3
Freedom Before FI Links:
- Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ Worksheet at: https://freedombeforefi.com/free-guides/
- Website: Check out our resources and services at https://freedombeforefi.com/
- Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
12 min - 26. Hard Choices: How to Live an 'Easy Life' and Achieve Freedom
I’ll be sharing how one of my favourite quotes can help you live an ‘easy life’. The quote is “Hard Choices Easy Life, Easy Choices, Hard Life” by Jerzy Gregorek. A Polish national who previously moved to the US as a political refugee. He went on to be a 4 time World Weightlifting Champion and holds one World Record.
Today’s topics:
- Intro: what is the lesson behind the quote
- How its connected to our financial Independence and Freedom
- Small and big decisions related to the quote
- A quick practical exercise you can do to put the quote into action
- An interesting variation to the quote
Freedom Before FI Links:
- Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ Worksheet at: https://freedombeforefi.com/free-guides/
- Website: Check out our resources and services at https://freedombeforefi.com/
- Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
10 min - 25. Compounding Time: The Ultimate Hack to Achieve Your Life Goals
If you’re finding it difficult to pursue your goals in life, you might be missing this one ingredient to your ‘successful life’ recipe. What is it you might ask, well its none other than ‘Compounding Time’. Just how Compound Interest works in your investment strategy, the theory can be applied to your time and ultimately your life goals.
Today’s topics:
- An intro to time compounding
- A real life example
- Where I have used compounding time
- The negative sides to it
- The system you need to make it work
- A 4-Step Action Plan that you can do today to start compounding your own time and achieve your life goals
Freedom Before FI Links:
- Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ Worksheet at: https://freedombeforefi.com/free-guides/
- Website: Check out our resources and services at https://freedombeforefi.com/
- Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
12 min - 24. Expat FIRE: Saving 60% of His Income Living in Taiwan (with Steve from the Frugal Expat)
I got to speak with Steve Cummings, an American world traveller, a family man and a digital nomad who runs the personal finance blog ‘The Frugal Expat’.
Steve accelerated his path to FI when he moved to Taipei, Taiwan in 2017, by using Geoarbitrage and working as an expat English teacher. He recently moved to Melbourne, Australia with his family where he is now enjoying fatherhood and running his online business.
The things you’ll learn:
- How learning about travel hacking got him into FIRE
- Why he quit his job in US and moved to Taipei, Taiwan as an expat
- How he was able to save 60% of his income living in Taiwan
- Using Geoarbitrage to accelerate his FI goals
- How meeting his partner made him even more frugal
- How others can be an expat English Teacher in Taiwan
- In-laws having different cultural mindsets on money
- Steve’s simple but effective investment strategy and his FIRE number target
- How he is able to invest in US Stocks while living abroad (Vanguard)
- His transition moving to Australia as a digital nomad after 6.5 years in Taiwan
- His leap into being a content creator and earning more that his previous job
- How Steve has found purpose and meaning throughout his journey
- The freedoms Steve has unlocked by being on his FI journey
Quick-fire round questions at the end:
- Steve’s definition of Freedom
- Something Steve wished he done 10 years ago
- The daily habits that helped him in his life
- His most important lesson in life
- Steve’s Transformational book recommendations
- Biggest takeaway for listeners
Steve’s Websites/Socials:
- Steve’s personal finance website: https://thefrugalexpat.com/
- Facebook: https://www.facebook.com/thefrugalexpat1
- Twitter: https://twitter.com/thefrugalexpat1?lang=en
- Instagram: https://www.instagram.com/thefrugalexpat/
- Email address: [email protected]
Freedom Before FI Links:
- Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ Worksheet at: https://freedombeforefi.com/free-guides/
- Website: Check out our resources and services at https://freedombeforefi.com/
- Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
1 hr 6 min - 23. Fun Things To Do That are Cheap or Free (While Trying To Save Money)
Do you find it hard to go out and socialise while in saving and investing mode? Perhaps you want to pursue your FI journey but still want to enjoy life and be saving and investing all at the same time. On this episode we give you 23 ideas of fun things to do that you can do with friends (or use to make new friends), and importantly doesn’t break the bank!
Today’s topics:
The 23 fun and frugal activities are split into the following 3 categories:
- Low Preparation Ideas
- Medium Preparation Ideas
- High Preparation Ideas
We then conclude with 4 concepts that can help you during your Financial independence journey when it comes to going out and spending
Freedom Before FI Links:
Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ Worksheet at: https://freedombeforefi.com/free-guides/
Website: Check out our resources and services at www.freedombeforefi.com
Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
13 min - 22. From Nurse to Entrepreneur and How That Sped Up His FI Goals (with Dave Visaya from The Big Picture PH)
I got to speak with Dave Visaya who talked about his transition from being a Nurse to now running multiples businesses, from a podcast production company to rental properties. He explains how he used entrepreneurship to accelerate his FI journey and create time freedom in his life.
Dave has been working on the production of the Bigger Pockets podcast for a number of years now and is also a podcast host and founder of the Big Picture Philippines podcast, where he has built a community of Filipino entrepreneurs.
The things you’ll learn:
Career Change:
- How he transitioned from Nurse to Virtual Assistant and Why
- How he started working for the Bigger Pockets podcast as a VA
- What he learned working for Bigger Pockets
Personal Finance / FI:
- The resources that sparked his personal finance and FI journey
- How he changed from fixed to growth mindset
- The ‘jar’ system he uses for saving and spending
- His FI target numbers and plans
- How being an entrepreneur affects his FI goals
Investments:
- His real estate investments / developments
- Index fund investing in US stocks
- Investments in Philippines: Pag-IBIG MP2
- His failed investments
Entrepreneurship:
- Some of the businesses he runs: from rental properties to a coffee shop
- How entrepreneurship gives him time freedom
- His real estate portfolio overview
Wrap-up questions at the end:
- Dave’s definition of Freedom
- Something Dave wished he done 10 years ago
- The daily habits that helped him in his life
- His most important lesson in life
- 2-3 Transformational book recommendations
- Biggest takeaway for listeners
Dave’s Websites:
- Podcast Production Company: https://www.podcastengineers.com/
- Website development services: https://www.carveontech.com/
- Virtual Assistant services: https://scalevas.com/
- Coffee shop: https://www.facebook.com/cebuteamo/
- Rental property business: https://www.facebook.com/pacificlivingph/
- The Big Picture Podcast PH: https://www.youtube.com/channel/UCnETqyKtHYsANVDLFy31ugQ
Freedom Before FI Links:
- Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ Worksheet at: https://freedombeforefi.com/free-guides/
- Website: Check out our resources and services at https://freedombeforefi.com/
- Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
1 hr 11 min - 21. How To Invest in US Stocks From Outside the US (or as an Expat)
Have you always wanted to invest in US Stocks, ETF’s or Index Funds from outside of the US as a foreigner or expat, but not quite sure how? I’ll be discussing the 5 steps on how you can invest in Vanguard funds like VTSAX, VTI, VOO, VWRA which we hear a lot about in the FI community
Today’s topics:
The 5 steps to invest in US Stocks, ETF’s or low cost Index Funds if you live outside the US:
- Your local bank account
- Your Currency Changer
- Your International Broker
- The Index Fund Manager
- The US Stock or Index Fund itself
Freedom Before FI Links:
- Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ Worksheet at: https://freedombeforefi.com/free-guides/
- Website: Check out our resources and services at https://freedombeforefi.com/
- Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
16 min - 20. Career Change, Purpose, Geoarbitrage and F.I.R.E for Filipinos (with Kenneth Reyes-Lao of FIRE Movement PH)
I got to speak with Kenneth Reyes-Lao about his interesting journey from living in a bustling city working in corporate, to moving to a smaller city with more nature, growing and selling his own chocolate!
Kenneth and his wife are founders of Cacao Culture, a social enterprise based in Davao which is in the south of the Philippines. Their mission is to spread love for Philippine Cacao and Chocolate!
They're also financial literacy advocates and are founders of the Facebook group ‘FIRE Movement PH’, where they bring together Filipinos globally to help each other on their Financial Independence journeys.
The things you’ll learn:
Career Change & Domestic Geoarbitrage:
- Why and how he gave up a 6 figure salary to start his own chocolate business, earning around a third of what he was getting before.
- How he and his wife used lifestyle design to move from a capital bustling city to a smaller city with a slower pace of life and more nature
- How he used Domestic Geoarbitrage (i.e. spending around a quarter of his city apartment rent for a 150sqm house and garden) to give them a runway to experiment with entrepreneurship
- How he created the chocolate business with no farming or chocolate background at all
- How he finds purpose through his business and what he calls ‘living a blessed life’
Financial Independence:
- Why he started the Fire Movement PH Facebook group
- The advantages and disadvantages of pursuing FIRE in the Philippines
- Investment options for Filipino’s living in Philippines to pursue FIRE
- His 3 pillars of earning and accumulating money
- His FIRE number target and timeline to get there
Wrap-up questions at the end:
- Ken’s definition of Freedom
- Something Ken wished he done 10 years ago
- The daily habits that helped him in his life
- His most important lesson in life
- 2-3 Transformational book recommendations
- Quick things listeners can do this week if they want to get started doing something similar to him
Kenneth’s Socials:
- Cacao Culture Facebook Page: https://www.facebook.com/cacaocultureph/
- Cacao Culture Website: cacaoculture.ph (can order chocolates from website)
- Fire Movement PH Facebook group: //www.facebook.com/share/jQY9Yq8m1oV9ccnT/
Freedom Before FI Links:
- Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ Worksheet at: https://freedombeforefi.com/free-guides/
- Website: Check out our resources and services at https://freedombeforefi.com/
- Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
1 hr 23 min - 19. 30 Awesome Ideas of Things To Do on Sabbatical (a.k.a Career Break or Mini-Retirement)
If you’re considering taking a Sabbatical (A.K.A a Career Break or Mini-Retirement), and not quite sure what to do during it, I’ll be giving you some awesome ideas of things you can do while on your break.
Today’s topics:
The Sabbatical ideas are split into 4 archetypes:
- The Explorer: ideas for those who want to explore the world or go on an adventure
- The Seeker: ideas for those that want to find their purpose or meaning in life
- The Achiever: ideas for those who want to accomplish something
- The Snoozer: ideas for those who need to rest and maybe recover from burnout (an extra archetype I added!)
(The first 3 archetypes are coined from the Sabbatical Project as mentioned in the recording)
Freedom Before FI Links:
- Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ Worksheet at: https://freedombeforefi.com/free-guides/
- Website: Check out our resources and services at https://freedombeforefi.com/
- Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
15 min - 18. How to Pay Off Debt by Travelling the World, with Allen from Bohol is Awesome
We are joined by Allen, the host of the Youtube channel ‘Bohol is Awesome’. You’ll learn how he intentionally designed his life to get freedom along his journey.
Other than being a vlogger, he’s been a digital nomad for 12 years working remotely in different countries, he and his wife are entrepreneurs building businesses, he’s half Canadian and half Filipino and just an all round top guy!
Today’s topics:
- Location Independence - finding location freedom being a digital nomad for 12 years and counting
- Reducing expenses on the road - how he used ‘house sitting’ to get free accommodation
- Paying off debt - by travelling to cheaper countries
- Using geographic arbitrage - living in Philippines but being paid in Canadian dollars
- Negotiating Part-Time Work - to create more time freedom
Allen’s socials:
- His Youtube channel Bohol is Awesome: https://www.youtube.com/@BoholisAwesome
- Facebook: https://www.facebook.com/boholisawesome
- Instagram: https://www.instagram.com/boholisawesome/
- Email: [email protected]
Freedom Before FI:
Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ Worksheet at: https://freedombeforefi.com/free-guides/
Website: Check out our resources and services at www.freedombeforefi.com
Email: If you want to connect, send me a note at [email protected]
Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice
1 hr 9 min
About Freedom Before FI | Life Design, Purpose, Sabbaticals, Coast FI & Financial Independence (FIRE)
From the publisher's feed
The road to Financial Independence (FI) can seem long and out of reach. Luckily, there are ways to get freedom way before reaching FI!
Using FI strategies and Life Design, we discuss practical tips to help you buy your time back, so you can start enjoying your journey to FIRE (Financial Independence Retire Early), instead of delaying your freedom until you retired.
Whether you want to be debt free, quit a job, spend more time with family, start a passion project, change career, take a sabbatical, find purpose, do nomadic travel or even geographic arbitrage, we got you covered. Let's do this!
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