Live 4 Financial Freedom

I know over the years we have family learning lessons. A lot of the lessons we had recapped and put in our book called “Money Secrets to Make You Rich”. But you are now almost 20 and 16 years old and you are going to be going out into the world with us to have family learning time with you. Please know Mom and Dad love you both a ton and we will always be here for any advice or as a sounding board for you both. It is your time now to take action for your future. We can talk about it all we can but now is your time to decide what type of life you want to have.

Good Friends

Remember most people are lucky to have a few truly good friends in life. I know you think your Xbox friends and School friends are your good friends but will they do the following for you in life?

1. Let you live with them if they were homeless?

2. Be your best supporter of you and your Business?

3. Help you grow and push you to be a better person?

4. Travel to see you at least once a year if you live far from each other?

5. Help you find a job if you were out of work?

6. Be there if you were really sick?

7. Be there if you need help with a big home project?

8. Be there if you are moving?

These are just a few items to think about. Also, a good friend would bring up doing this thing for you without you having to ask. Remember things are all a two-way street and ask your self what kind of friend are you? Same goes for relatives, would they do the above things for you all the time. Also, not all relatives will be there for you in the above ways. My Dad was my biggest supporter until I met your mom.

Become a Paid Subscriber to Live 4 Podcast

As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. 

Listen to the whole Podcast for all the details

We hope our boys will give 100% towards any of there goals. For instance if Seth wants to make the Navy his career that he would start today eating better, working out, going for runs, going to the Navy Recruiters office to check in and see what he should be learning, joining Navy recruits group, watch You tube videos on Navy topics, practice swimming, read books on the Navy and more. Then he would be ready to go into Bootcamp at full strength and ahead of others because he prepared in advance.

Become a Paid Subscriber to Live 4 Podcast

If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life.

“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.

We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom. Love Mom and Dad

Millsway.com and Live4.Club

Become a Paid Subscriber to Live 4 Podcast

Haven’t you learned so many things over the years from different people. Maybe it was a class in school or a book you read that gave you something good to help you be more successful in life or less stressed in life.

My Live 4 Podcast Subscription plan is just $1.99 per month or $23.88 per year. That is like one less Big Size candy Bar a month. That’s it and it is better for your health I would guess than that Candy Bar. LOL

Over the years I have been blessed to work with over 1,100 people with Debt Problems. Most of them probably never thought they would ever be able to retire. When I sold Insurance so many people also had spending problems and not prepared for Financial Freedom. A lot of them also thought they would never retire.

So, I would say isn’t $1.99 per month worth the possibly of learning tips or getting some motivation to take action. You may have heard some of the things we cover on our Podcast but may have forgot them or put them in a box in your garage. Now is the time to take action and get on the road to Financial Freedom.

We also talk about not only Financial Freedom tips, but ways to get Debt Free, Budgeting, Raising Kids to be Financially Independent, to Retire Early, Marriage, Relationships and more.

Become a Paid Subscriber to Live 4 Podcast

As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.

Here are some more thoughts about why to Invest just $1.99 per month towards your Financial Freedom. Listen to the whole Podcast.

When I am out in public I am often talking about the subject of Financial Freedom with friends and people I meet. I like to learn from their experiences and their financial choices. There is no right or wrong way but there may be some roads that don’t have as many curves and you get to your destination faster. But ultimately it is up to you to invest your money and time to get there. You have to be the one to take action. I can talk till I am blue in my face to my kids but if they don’t want it bad enough, they won’t do it. Then they have to live with the consequences.

Poor Money Management can lead to stress. Some people I have worked with over the years said some of the following;

- I am afraid to answer the front door because it may be a bill collector.

- I am afraid to get the mail because we may have bills in it.

- I don’t know how I am going to make our house payment this month.

- I don’t know how I am going to make our car payment this month.

- I don’t ever see being able to retire.

- I already work two jobs and we keep falling behind.

The list could go on and on. I am here to try to help give you hope and ideas on possible things to try to help your situation.

I will let you know what we do in our family situation and what are assets are. We live Debt free so we talk assets. Please join as a Subscriber today.

Become a Paid Subscriber to Live 4 Podcast

If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life.

Thanks, and have a great night.  Millsway.com and Live4.Club

Plan for retirement with our free tools today.

Become a Paid Subscriber to Live 4 Podcast

You don’t prepare for death for yourself but for your loved ones. It is hard enough when you lose a loved one why not try to do your best to make it less painful for them by being prepared for that day. I wish I could tell you that we all will get out of this world alive but we don’t so what are you going to do now for your loved ones.

What ever you do can help a lot. The more you prepare and talk with your loved ones it can help even more. Just don’t worry about being perfect. I am sure all the prep work Darlene and myself do each year that some things will come up that we never thought about.

We also have prepped our boys on what to do and who to call first if something weird happen and we both died at the same time. I know that is a small chance of happening but it could happen as easy as driving to the grocery store together and getting in a bad car accident.

Not only having prep meetings with our boys we have covered with some of our closest friends and relatives on where our Death prep notes are and other important information.

Without being prepared for Death it can not only cause your loved ones emotional pain but also it can create legal issues and can cause financial losses. So many people I talk with about their Financial Freedom planning, Retirement planning and helping them get out of debt never want to think about what happens in the case of death. Same thing when I sold Life Insurance. People would run from me when they heard I was an Insurance Agent. LOL

As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.

Here is a rough list of things to start with your Death prep for your loved ones. I cover in this Podcast.

If you need more help, I can help with my Coaching service. I just want it to be smooth as possible for Darlene after I pass away. I don’t want her to have to deal with a ton of crap, I want her to go on with life and enjoy it. That is what life is for to enjoy it. The first person I lost that was close to me was my Dad and it was so hard on me and other family members.

Remember if you do not legally document what you want done with your assets after you die, the courts will decide for you. This means that an unnecessarily large portion of your assets may go towards federal and state taxes. It may also result in your assets being given to someone, you’d prefer not to give them to. So, prepare now.

“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.

We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals.

Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway

Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs.

Click here for some Side Income and Part-time Business Ideas

Millsway.com and Live4.Club

Governments and people alike are nervous I would be because anything thing that is unknown or not normal can make people nervous. Our protective walls go up and say stuff like “That won’t Work” or “That is a Scam”. Some of my friends think I am crazy and that I should run away from Digital Currency.

Think back in 1983 when people heard that someday every body would have a computer in their house. LOL I thought they were crazy. I missed out on investing early on into the future of Computers and Software. So, part of me don’t want to miss out on this possible wave.

Now that Tesla and other businesses have invested in Digital Currencies that it may get more and more part of our normal way of life. Who knows maybe someday there will only be Digital Currency? Who would have ever thought we would carry around a phone and have more power than a personal computer did back in 1983?

We are in our early Retirement years we may not see the full roll out of Digital Currency in our lifetime. But it has been amazing the massive growth it has had. But of course, it has had some massive Dips in value also just like Stocks or Real Estate can have.

Digital Currency Investing may not be for someone who is totally into Stocks or Real Estate. But think if you owned Real Estate rental properties or sold properties and you were able to be one of the few that currently would accept Digital Currency as payment. Wouldn’t that set you apart from others? I think it would. After I said that I am thinking I may be onto another business venture myself with this idea.

Mark Cuban, I heard owns Digital Currency and someone said that he thought of it as the future and if he would start a new business it would have Digital Currency around it or in it. If you go use my favorite tool called Google you will see some of the Digital Currency, he is invested in.

Governments around the world are probably all scrambling trying to figure out how to handle this new Digital Currency world that is becoming more of a household name.

I know for myself I have now had two tax returns that I had to show my Digital Currency transactions and net gain or net loss. In the United States the IRS have it figured out it seems.

Taxes can be a little more confusing with government requirements. My Accountant said I needed to get all of my info together for Digital Currency and put it on the IRS forms. I found Koinly.io and it made it easy for me. It did cost me $100 but well worth it. Check them out and save $20 discount. Just click here at https://koinly.io?via=0ACA8E2D

As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.

Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway

Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs.

Click here for some Side Income and Part-time Business Ideas

Millsway.com and Live4.Club

We seem to live in the world of scams now a days. There was probably many scams back when I was a kid but now that I have kids they seem to be coming out of the woodwork. We just try to prepare our kids of possible scams so they may not lose money in the future due to a scam. Scammers if they would use their skills for good they could probably make a good living.

I have friends that have been scammed by repairman scam, e-mail scams to fake girlfriend from Russia. Some scammers make it look so real so they are hard to tell at times that they are really a scam.

Now we are at a time of Bitcoins and other Digital Currencies I bet we will see more scams in the future. Today let me give you a few things to think about when dealing with Bitcoins or Digital Currency so you may have a better chance of not being scammed. I bet there are a ton of scams out there and that is why we teach our boys to research into things before they invest in them. I also included a link in the show notes of the info from the Federal Trade Commision where I got some information on Bitcoin scams.

Bottom Line is to Beware of Bitcoin Scams

Since it was introduced, Bitcoin has continued to rise exponentially

beyond what enthusiasts predicted at that time. As much as it is highly volatile and unpredictable, it is fast becoming a globally-adopted digital currency, and unlike normal currencies, there are no central authorities overseeing Bitcoin transactions. Once a Bitcoin transaction has been carried out, it cannot be reversed or recovered which makes it a huge focus for fraudsters.

There are still so many unknowns for us about Digital Currency. I know that Darlene isn’t excited about them but our boys see it as the future. I feel it could be mainstream someday but maybe not in my lifetime. We are an Angel Investor in a Credit Card company that used Bitcoins to convert to Money so you can buy purchases with it. Time will tell if our Investment was a good on or a wasted one.

We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals.

Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs.

Click here for some Side Income and Part-time Business Ideas

Millsway.com and Live4.Club

Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more.

#financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Sources and Resources from Podcast (Available in Show Notes)

1. https://www.consumer.ftc.gov/blog/2019/11/scams-telling-you-pay-bitcoin-rise

Bitcoins have been talked about a lot in the news and online. Some people are scared about it and some people are excited about it. One of my friends called it in nice terms a very risky investment. Myself I could see it being a mainstream currency. I actually invested in a Credit Card company that deals with Bitcoins. My boys are more open to Digital Currency than the guys I golf with.

An example of Bitcoins becoming more stream line is a good article by Steve Kovach from CNBC back on 2/8/21. He wrote “Tesla also said it will start accepting payments in bitcoin in exchange for its products “subject to applicable laws and initially on a limited basis.” That would make Tesla the first major automaker to do so. The $1.5 billion worth of bitcoin will give Tesla liquidity in the cryptocurrency once it starts accepting it for payments.

Tesla’s move into bitcoin represents an investment of a significant percentage of its cash in the investment. The company had more than $19 billion in cash and cash equivalents on hand at the end of 2020, according to its most recent filing.” Link to the full article is located in the show notes of my podcast and below.

My wife doesn’t seem very excited about Bitcoins or any other form of Digital Currency. So, I am trying to learn more and more about the subject so we can decide how much we want to Invest into it. Plus, we want to be more informed on Digital Currency to help educate our boys about them so they can make informed Investing decisions in the future.

The money we have in Digital Currency so far is money we earned from watching some short videos and took a quiz afterwards. So, we have house money so far invested in Digital Currency. The Bitcoins I had years ago was not with Coinbase and I can’t yet find the passcodes to get them. It is probably a pipe dream that I will ever find the passcodes. If I do then we are going on a long vacation. LOL

Other than Politics’ very few things divide opinion across the globe as Bitcoin does. That’s mainly because only a small percentage of the population truly understands what it is. Some view it as an item that can only be utilized by the tech-savvy, while others believe it's used for the wrong purposes. But, in fact, Bitcoin is just a virtual currency that creates anonymity.

As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.

Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.

Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at [email protected]or Text me at 480-389-6224

Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway

Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs.

Click here for some Side Income and Part-time Business Ideas

Millsway.com and Live4.Club

Sources and Resources from Podcast (Available in Show Notes)

1. https://www.cnbc.com/2021/02/08/tesla-buys-1point5-billion-in-bitcoin.html

Bitcoins have been in the news big time over the last few years and stories of how people got super rich. I do have to say that I once had a lot of Bitcoins that I had earned back over ten years ago. I didn’t take it serious and forgot about them. There codes are on an old computer that is no longer around. Also, I have not been able to log into my old email account. Ughhh I could be worth many millions of dollars easily by my memory of how many coins I had. Now I use Coinbase to store my coins I have.

Most people only know about Bitcoins but there are a lot of different Digital Currencies that are available to buy or sell. Today I want to talk about sites that claim you can earn free Bitcoins fast. My disclaimer is that I have not found any special site that has worked for me but Coinbase to earn any free Digital Currency coins.

What is Bitcoin? Bitcoin is a payment system that was introduced in 2009 by Satoshi Nakamoto as an open source payment system. It is a digital currency that is used mostly for online transactions. Since it was introduced, it has grown expediently. You might think that a highly valued cryptocurrency like bitcoin could only be gotten through trading, investment or using it as a means of payment for service rendered, but bitcoin can also be earned.

If you are not one to take risks, but you are interested in earning bitcoin freely, we have selected the top 3 best sites where you can earn bitcoin without investing anything. All that is required to redeem your bitcoin is to open a bitcoin wallet into which your earnings will be paid. Each of these sites is what is called a Bitcoin faucet. A Bitcoin faucet is a website that gives slight sums of Bitcoins to users who place ads on their website. To learn all the details about this way of earning Bitcoins fast they say, The first three listed below is some that I have read about but don’t know if they really work like they say they do.

Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.

Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.

Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at [email protected]or Text me at 480-389-6224

Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway

Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs.

Click here for some Side Income and Part-time Business Ideas

Millsway.com and Live4.Club

Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more.

#financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Our boys are good boys and we are very proud of them and love them to death. But they still worry me that they may not be Financially Free in the future because of their lack of Action towards Money and Education. Like is hard and even harder if you don’t have money. We constantanly tell them they need to live with the Consequences of their Choices they make.

In Robert Kiyosaki book called “Retire Young Retire Rich” he said that “Alan Greenspan, chairman of the Federal Reserve Board, recently said on television, “We need to start teaching financial literacy in our schools” We need to start teaching our kids to take care of themselves financially, rather than teaching them to expect the government or company they work for to take care of them after they retire.” Robert wrote “The Leverage of Your Actions. There is an overused story about three birds sitting on a fence. The question is, “If two birds decide to fly away, how many birds are left?” The answer is, “Three birds are left.” The lesson is, just because you decide to do something does not mean you will do what you decide to do. In the real world less than 5 percent of the U.S. population is rich because 95 percent of the population may want to be rich but only 5 percent takes any action.”

We hope our boys will be the 5% that take action towards their Financial Freedom Goals and their Education. But currently they are sitting back thinking others will come to them and teach them. They think they just need to know the basics to get by in life. They are not showing any extra drive to be that 5%.

For instance, our oldest Son that dropped out of the Navy signed up for College and we pushed him hard to get a job and sign up for College. Currently at his job he just does the basics and not trying to add value to himself by learning more about the company. He started his schooling but is only in class for one to two hours a day and doesn’t try to learning stuff on his own. He says that school will teach him all he needs to know. So, his free time is spent playing Xbox or on the phone with his girlfriend. We told him starting in October he has to start paying Rent so he better start taking some Action in his life to be more productive.

Our youngest one seems to be following in his brother’s foot steps also. He is on his Xbox or phone most of his free time. He does the basics he needs to do to just get by in High School and isn’t trying to study and get good grades. We have given him tons of ways to make money around the neighborhood or on-line but he chooses to ignore them and just keep getting by.

Consequences both boys could face is being in that 95% of the population that just gets by. The 95% that gets by probably have just an average income, has debt and has little saved for Retirement. They may end up working till there bodies won’t let them anymore. They have to be able to live with there choices they are making. What choices are you making towards your Financial Freedom and Education?

As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.

Click here for some Side Income and Part-time Business Ideas

Millsway.com and Live4.Club

Sources and Resources from Podcast (Available in Show Notes)

1. Retire Young Retire Rich Book by Robert Kiyosaki with Sharon L. Liechter CPA. Xviii page xix

We like to point out to the boys all the time the people that are rich and famous but yet living frugal lifestyles. Our boys like to put these youtubers to Tik Tok kids up on a pedestal because they drive fancy cars and live in these big houses. They watch videos of these people throwing money away to friends and family like its water. We try to bring up to them what would happen to these people if it is real life if You Tube or Tik Tok would quit paying them.

I tell the boys there is nothing wrong with living frugal and not wasting their money. There are so many people that have Millions of dollars that don’t look like it. They don’t have fancy cars, they don’t take fancy trips, they don’t wear Rolex watches, they were simple clothes and live-in simple houses.

Some people want to dream higher than a Millionaire to a Billionaire and they want to live like a Billionaire before they put in the work and became a Billionaire.

I feel most Billionaire know how to live frugal and most probably did before their business took off. Some kept some of those habits even after becoming a billionaire.

As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.

For instance, let’s talk about some Billionaires and their frugal habits and pasts. Listen to my Podcast in full.

If Social Security isn’t around in 15 years, we may get really Frugal to get by but by then we hope both boys are out on their own. Then if we need too, we could always rent out their rooms for extra money if Social Security was not around.

We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals.

Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway

Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs.

Click here for some Side Income and Part-time Business Ideas

Millsway.com and Live4.Club

Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more.

#financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Our boys both have girlfriends this Valentines Day and they are trying to think of what they could do with the little bit of cash they have. This is a common thing for a lot of people. Some people let their heart do the thinking and not their Financial Freedom Mind which gets them in trouble after Valentine’s day.

We all want to show our significant others, family and friends how much we love them, but we don’t have to go into the Poor house doing it.

My Dad was a great example of this. My parents time together was a dream love story. They had what most people are looking for. They loved each other so much but had little money to spend showing their love. They didn’t believe in Debt or Credit Cards so if they didn’t have the money in their Checking Accounts or pockets then they find another way to celebrate Valentine’s day.

My Mom never worked because she was handicap so she showed her love to dad in simple ways from the following;

- She would cook him his favorite things he like to eat. Dad could never have enough of Mom’s cooking. I am blessed that Darlene is such a good cook and loves to cook also.

- She would write him notes on how much he meant to her.

- She was the queen at buying cards also. My Dad should have bought stock in Hallmark. LOL, we like the dollar cards for us and write our own personal notes in them.

My Dad showed his love in many ways that didn’t cost a lot of money. I don’t remember my Mom ever not feeling loved at Valentines day from my Dad. Here are some of the ways my Dad showed my Mom that he loved her:

- Dad would get my Mom a card also and write a special note in it. My dad was a quiet and shy so when he spoke it meant a lot to who he was talking with.

- My mom was hard to shop for so he would take her to the malls and let her browse the stores. She would get something on sale once in a while and it made her feel good and loved.

- My dad was present in the moment with my mom. He wasn’t on his cell phone or distracted. He gave her good quality time.

- My dad would take my mom square dancing and always take her to the bowling alley to watch his bowl with the guys. He took her everywhere.

- He would hold my moms’ hand and kiss her a lot. He told her often how much he loved her and how beautiful she was.

Of course, everyday can be Valentines day in your relationship but if you don’t stay with in your budget then it may take you longer to hit your Financial Freedom Goals.

As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. - Listen to the whole Podcast for all the details.

Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway

Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs.

Click here for some Side Income and Part-time Business Ideas

Millsway.com and Live4.Club

Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more.

#financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway