UNCLOCKED - Decoding Financial Independence

Welcome to UNCLOCKED

“Your money. Your rules. Your time.”

In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it.

Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves.

"Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.”

In this Episode we cover: 

• The efficient capital markets theory - and why it might not be true
• How we select individual stocks
• Criteria to assess a company's strategy
• Financial Key Performance Indicators (KPIs) to check before investing
• Potential investment red-flags
• Stock valuation methods
• How to invest into stocks that are too expensive

Welcome to UNCLOCKED

“Your money. Your rules. Your time.”

In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it.

Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves.

"Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.”

In this Episode we cover: 

• Life decisions and prioritisation along the FIRE journey
• How to make the right choice between work and life experiences
• Choose to work full-time or use FIRE to reduce work load
• Intangible investments --> e.g. study to then potentially accelerate on the FIRE journey

Welcome to UNCLOCKED

“Your money. Your rules. Your time.”

In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it.

Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves.

"Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.”

In this Episode we cover: 

• First impressions after retiring at the age of 32
• Shared impressions from a sabbatical
• What is going well, what is not going as planned
• What to do with all the free time
• How it is changing the investment approach
  

Welcome to UNCLOCKED

“Your money. Your rules. Your time.”

In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it.

Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves.

"Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.”

In this Episode we cover: 

• 2 main waves of AI (Digital & Physical)
• Societal effects

• Winners and Losers of the transition
• How passive ETF investments behave
• Our active investment reactions

Welcome to UNCLOCKED

“Your money. Your rules. Your time.”

In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it.

Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves.

"Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.”

In this Episode we cover: 

• 5 different personas to assess when and how they can call themselves financially independent
• Discuss which factors primarily impact the time-line for financial independence
• Highlight the massive effect of interest compounding and how starting today vs. waiting for later can make the big difference!

Welcome to UNCLOCKED

“Your money. Your rules. Your time.”

In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it.

Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves.

"Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.”

In this Episode we cover: 

• Investment Set-up
• How to select the right ETF
• How to look at individual stocks / shares
• Several other FIRE related community questions

This is a special Episode in Collaboration with Limpression! Find out more about Limpression and their podcast here:

https://open.spotify.com/show/033gbhZ4uGxf3XalpzlwvR?si=d0e1b6bdc4ff4923

Welcome to UNCLOCKED

“Your money. Your rules. Your time.”

In this podcast we decode FinancialIndependence and talk to people on their journey and to those that have alreadymade it.

Our aim is to educate, share experiencesand thereby motivate others to consider a FIRE journey for themselves.

"Before we start, a quick reminder:everything shared here is based on our personal experiences, opinions and forinformational and entertainment purposes only. It’s not meant to be taken astailored financial advice. Investing involves risks. Your money is yourresponsibility, so make sure you do your own due diligence, or seek advice froma licensed financial adviser.”

In this Episode we cover:

- Different Tax Considerations while saving up towards financial independence

- Strategies for tax optimiazation during the financial independence time

Welcome to UNCLOCKED

“Your money. Your rules. Your time.”

In this podcast we decode FinancialIndependence and talk to people on their journey and to those that have alreadymade it.

Our aim is to educate, share experiencesand thereby motivate others to consider a FIRE journey for themselves.

"Before we start, a quick reminder:everything shared here is based on our personal experiences, opinions and forinformational and entertainment purposes only. It’s not meant to be taken astailored financial advice. Investing involves risks. Your money is yourresponsibility, so make sure you do your own due diligence, or seek advice froma licensed financial adviser.”

In this Episode we cover: - the properties of good and bad debt- different forms of debt including: Buy-Now-Pay-Later, Current Account, Credit Cards, Car loans, Mortgages, Margin Loans

- Potential positive tax implications of loans

- How to use debt to accelerate wealth accumulation

Welcome to UNCLOCKED

“Your money. Your rules. Your time.”

In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it.

Our aim is to educate, share experiencesand thereby motivate others to consider a FIRE journey for themselves.

"Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.”

In this Episode we cover:

- Investment Process (What you control)

- Financial Independence Progress KPIs

- Risk Management KPIs

Welcome to UNCLOCKED

“Your money. Your rules. Your time.”

In this podcast we decode FinancialIndependence and talk to people on their journey and to those that have alreadymade it.

Our aim is to educate, share experiencesand thereby motivate others to consider a FIRE journey for themselves.

"Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and forinformational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.”

In this Episode we cover:

- How we manage our expenses

- How a household-book can be structured

- How to make better buying decisions