Quick, no frills episodes on insights I have throughout my days.

Enjoy!

In this episode we are talking about how to calculate your financial freedom number.

The very number that you need to target to be financially free with no need to work again, ever, if you don't want to.

Having said that, we will do a quick detour into the mindset of "never working again".

Your financial rule-of-thumb formula:

Your monthly expenses multiplied by 12 to get the annual figure and all of that divided by the percentage of return on your investments = Your financial freedom number

e.g. EUR 4'000 x 12 / 5% = EUR 960'000

At a yield of 5%, you need about EUR 960'000 in your portfolio to be able to pay all of your basic expenses without moving another finger.

This is a crude formula but it gives you a ballpark number for now. Remember that with the power of compounding, you will not need to save nearly a million. It will grow to that amount as you keep putting money into your portfolio and your portfolio will grow it for you.

If this is over your head for now, don't worry, we will talk about investing next.

I have been on an experiment over the past two months - reducing my food budget by 10%. Not out of scarcity but out of a need to exercise my budgeting muscle and learn to say no to myself when the urges to buy something hit me.

In this episode I am going into why I have been running this experiment, what I have learned from it and how you can do the same thing in a very simple repeatable way.

May the power of budgets be with you!

Spending your money on Temu? Feeling like you have your next purchases already on your mind, just ready to blow your next income? This episode is for you, if you need a reset on your money mindset.

We talk about the reasons why we spend, how advertising is designed to go into your wounds and the future value of a single dollar.

All in the spirit of you creating your own financial freedom!

Any questions or input? Email me at podcast [at] christinereffo.com

Enjoy!

Short snippets of my daily thoughts and realizations without any fluff. Enjoy!

Got money goals? Great! But did you know you need certain things in place before you can even make (and keep) more money? In this episode we kick off the money talks with the most important steps no one ever mentions.

Email me under podcast [at] christinereffo.com

An update on my personal journey over the past 6 months, from exploding chakras, orgasms during meditation to the shifts in my entire sense of Self.

I am sharing what I have been doing to get there and what you too can do every day to experience the same.

Enjoy!

Questions? Email me at podcast [at] christinereffo.com

We are picking apart the different flavours of self-sabotage so you can identify where you are holding yourself back from achieving your goals.

PS: It's more complicated than you think!

Questions? Email me under christine [at] christinereffo.com

No frills, no fuzz quick soundbites of insights I share in my Thought of the Day episodes.

Start your morning with a little dose of light!

Short, concise, happy and to the point insights into the human psyche, spirituality and the why of things.

No frills, no fuzz but as a result, more frequently!