In episode 99 of Financial Conditioning, Simon Karmarkar explores the concept of financial independence, focusing on spending habits and their impact on financial freedom. He discusses the pros and cons of renting versus selling homes and reflects on his upbringing and family living arrangements, highlighting the choices and sacrifices made for financial freedom. Simon encourages listeners to critically evaluate their personal financial decisions, offering insights into achieving financial independence. The episode concludes with closing remarks, urging listeners to take actionable steps toward their financial goals.

(0:00) Introduction to financial independence and today's topic

(0:35) Discussion on spending habits and financial freedom, including renting vs. selling homes

(2:44) Reflection on upbringing and family living arrangements; Choices and sacrifices for financial freedom

(4:04) Encouragement to evaluate personal financial decisions and closing remarks