Find Your Freedom: Recent Episodes
Becky Blake from TwentyFree.co
It IS possible to become free from debt, financial worry, your boss, and your zip code. Join Becky and her guests to learn how you can find financial freedom and start living your ideal life.
This podcast shares the stories of women who have become debt-free, achieved financial independence, quit their jobs, started their own businesses, traveled the world, and defined freedom for themselves.
Becky also shares her own financial freedom story and teaches actionable lessons on what she’s learned along her journey from drowning in debt to financially independent, from day job to digital nomad, and from dreaming to traveling the world.
Host: Becky Blake from Twentyfree.co, Millennial Money Expert & Lifestyle Design Coach
A short episode with a review of the podcast in 2020 and an update for what to expect for Find Your Freedom going forward.
Stay up to date by following Becky on Twitter/Instagram/Facebook @twentyfreeco and follow the podcast on Twitter @fyf_podcast, Instagram @findyourfreedom_podcast, and facebook Find Your Freedom Podcast.
You can follow my new project at www.lifepothesis.com and on Instagram @lifepothesis.
49: Create a new budget for next year with these 6 simple steps. By creating a new budget for the new year, you can get back on track with your financial goals and set yourself up for success. Using a spending plan to align your spending with your goals becomes even more powerful when you revisit it to make changes that will make budgeting easier.
In this episode, we discuss:
- How to set financial goals
- Questions to help you revise an old budget
- How to align your spending & your values
- Looking at the big picture of your budget & your life
- What a spending plan review session should include
If you want to learn more about creating a new budget, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode49/
48: You can travel with a full time job, even if you have debt. Danielle Desir talks to me about strategies for affording travel and traveling with a full time job in this episode. Danielle is an author, speaker, podcaster, and founder of The Thought Card, an award-winning affordable travel finance blog and podcast empowering financially savvy travelers to make informed financial decisions - travel more, pay off debt and build wealth. Danielle paid off $63,000 of student loan debt in 4 years and purchased her first home at the age of 27. She has traveled to 27 countries and 4 continents, and strongly believes in not letting your financial responsibilities hold you back from pursuing your dreams.
In this episode, we discuss:
- Using the emotional side of money to your advantage
- Balancing paying off debt, saving for travel & investing
- Building a travel fund with just $25 per paycheck
- Important mindset shifts to save more for travel
If you want to learn more about affording travel, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode48/
47: Want to achieve your new year’s resolutions? To be part of the 8% of people who actually achieve their goals, you’ll have to do something differently. There are 8 steps to setting goals you’ll actually achieve. First, you have to set the right goals, in the right way. Then, you need to check in with your goals and track your progress so you can consistently work towards achieving them.
In this episode, we discuss:
- How to set the right goals
- Making your goals SMART
- Using Jerry Seinfeld’s method to achieve your goals
- Easy phone apps for tracking your progress
If you want to learn more about goal setting, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode47/
46: Want to travel to Hawaii for free? It’s possible with travel hacking (both Julia and I have done it)! Julia Menez is a travel hacking coach, speaker, and founder of Geobreeze. After traveling to more than 30 countries before the age of 30 and saving thousands of dollars each year by travel hacking, Julia uses her "3 Points of the Travel Hacking Lifestyle" to help overwhelmed overachievers take much-needed vacations for almost $0.
In this interview, Julia talks to me about finding the balance between spending time and money to solve problems, overcoming an overly cautious money mindset, and how she reached financial independence by the age of 30. We also dive into the details of how exactly to use travel hacking to save money on travel and get luxury experiences for free.
In this episode, we discuss:
- How to save thousands on your next trip
- The top 3 mistakes to avoid when travel hacking
- Top tips for beginner travel hackers
- How travel hacking can actually help your credit score
If you want to learn more about travel hacking, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode46/
45: Create a life you love. Having a vision board is a great way to make this happen! In this episode, we dive deep into how to set intentions that help your vision come to life. I’ll guide you through exercises to help you define your core values, create a vision of your ideal life, and then visualize that life using a vision board.
In this episode, we discuss:
- What lifestyle design is
- How to define your core values
- The process to make an effective vision board
- How to write a long-term vision
If you want to learn more about creating a vision and a vision board, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode45/
44: What does it mean to be semi-retired? Lauren Keys is semi-retired and covers her living expenses on a part-time income. She’s taken multiple mini-retirements on her path to financial independence, in order to travel and try out her ideal lifestyle. In this interview, Lauren talks to me about taking a net $0 honeymoon to Hawaii for 6 months, living the van life to travel to all of the United States national parks, and driving a Honda Civic from Florida to Alaska.
In this episode, we discuss:
- How a career break can actually help your career
- Creating a sustainable lifestyle of part-time work
- Ways to save six-figures on two teacher’s salaries
If you want to learn more about semi-retirement and mini-retirements, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode44/
43: Want to take a year off from work to travel? You can make this happen by taking a mini-retirement. Mini-retirements are career breaks, after which you intend to return to work. During your mini-retirement, you can do any number of things, like travel, volunteer, learn a language or try out your ideal retirement lifestyle. We discuss the details of planning and preparing for a mini-retirement in this episode, and Becky shares her mini-retirement plans.
In this episode, we discuss:
- What a mini-retirement is
- How to afford a mini-retirement
- What you need to plan before you travel
- Types of mini-retirements you can take
- What a mini-retirement means for your career
If you want to learn more about mini-retirements, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode43/
42: Do you want to take a few months off from work? You can do this with a mini-retirement. Marjolein from Radical FIRE has taken 2 mini-retirements so far, and she’s only 25 years old! She traveled for several months around South America, once solo and once with her partner. Marjolein is from the Netherlands, Europe and is focused on saving more, earning more, and investing the difference to reach early retirement at age 35. She enjoys her life along the way with regular mini-retirements.
In this episode, we discuss:
- How to negotiate time off with your employer
- Ways to financially prepare for a mini-retirement
- Whether mini-retirements interfere with early retirement (hint: they don’t)
- How to invest for passive income so you can retire at 35
If you want to learn more about mini-retirements, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode42/
41: Want to know if you’re wealthy? Your net worth is one of the most accurate measures of wealth. In this episode, we’re going to talk about net worth: what it is, why it’s important, how to calculate it, and how to track it. I’ll also cover ways to improve your net worth, and what your net worth should be based on how old you are.
In this episode, we discuss:
- 4 reasons you should know your net worth
- How net worth can help you track your financial progress
- Examples of assets & liabilities (you might be surprised!)
- The only 2 ways to improve your net worth
If you want to learn more about net worth, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode41/
40: Do you want to leave a financial legacy for your family? Generational wealth is something that comes from not only passing down money, but also passing down knowledge about financial topics such as investing, attending college, and purchasing a home. Mrs. Miller is a first-generation college graduate who is on a journey to financial independence and early retirement by 2025.
Mrs. Miller shares what it was like being a first-generation college graduate and the first homeowner in her family, and how she increased her financial knowledge to attend college, buy a home, earn six figures, and be on the path to retiring in her early 40s.
In this episode, we discuss:
- How wealth is larger than just managing your money
- Ways you can build generational wealth (even if you don’t have kids)
- Talking to your parents about their retirement
- How to align your spending with your values
If you want to learn more about building generational wealth, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode40/
39: Save thousands on your student loans by paying them back quickly. When you make a plan to pay off your student loans, and take advantage of these money-saving tips, you can save thousands of dollars in interest payments! And you’ll get the peace of mind that comes with debt freedom. This episode contains a step-by-step guide for new graduates who have student debt or anyone who wants to start paying off their student loans.
In this episode, we discuss:
- How to reduce your interest rates
- Ways to find extra money to pay your loans
- Different loan types and what they mean
- Whether refinancing can help you save
- How to figure out your timeline to debt freedom
If you want to learn more about paying off student loans, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode39/
38: How do you raise kids to be good with money? Teaching kids about money at a young age is so important. Carol Pittner co-authored the new book “Raising Your Money-Savvy Family For Next Generation Financial Independence” with her father Doug Nordman. In the book, they share how to educate your child about money from both the parent and the child’s perspective. In this interview, Carol shares what her early-retiree parents taught her to put her on the path to reaching LeanFIRE at the age of 27. We discuss how old she was when her parents taught different financial concepts, the money mistakes she made as a kid (instead of as an adult), and how her parents created different opportunities for her to gain the money confidence that she brought into adulthood.
In this episode, we discuss:
- The #1 thing parents can do to teach their kids about money
- How to leverage allowances as learning tools
- What age to start teaching your kids about money
- Allowing kids to learn from their money mistakes
- How to teach about compound interest
If you want to learn more about teaching kids about money, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode38/
37: The easiest way to save the most money is by focusing on your biggest 3 expenses: housing, transportation and food. This goes against conventional advice to cut back on small, everyday purchases that you enjoy, like your daily latte. By focusing on the few budget items that make up most of your spending, it’ll be easiest to reduce your overall expenses.
In this episode, we discuss:
- Why it’s easier to reduce the big 3 than cut lattes
- Unconventional ways to save money on housing
- Ideas to save money on transportation
- Easy ways to lower your grocery bills
If you want to learn more about saving money on your biggest expenses, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode37/
36: Do you want to start your own business? Find out what becoming an online business owner is really like. Melody Johnson shares her experience transitioning into online business from full-time employment, preparing financially to become an entrepreneur, and pivoting her business during its first year. Melody is the founder of The Course Consultant, an online elearning agency, that helps small to mid-size businesses scale their services with online training and courses. We talk about how her business grew and changed from financial consulting to course creation, and we dive into the specifics of how an online business owner can create their very own course. If you’re looking to pivot from traditionally employed to self-employed, or from one-on-one services to one-to-many products, this episode is for you!
In this episode, we discuss:
- How to financially prepare for entrepreneurship
- When to pivot inside your business
- What types of businesses should sell a course
- Steps to validate your course idea
- How to market your course and how much to charge
If you want to learn more about course creation, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode36/
35: Are you spending too much time managing your money? Do you forget to save, invest or pay your bills on time? Financial automation can change your life. Automating your finances will save you time, save you money, and save you stress! You can automate expense tracking, net worth and investment tracking, saving money for different goals, paying your debts, credit cards and bills, and investing for retirement.
In this episode, we discuss:
- How to track your expenses automatically
- My favorite apps for money management
- Where you should be direct-depositing your paycheck
- How to never miss paying a bill again
- Zero-effort investing tips
If you want to learn more about easy ways to manage your money, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode35/
34: Do you want to become a freelancer? Whether you want to start freelance writing, designing or virtual assisting (or something else), this episode covers what you need to know before you go freelance. Laura Gariepy is the owner of Every Day by the Lake, a written content creation company, and she coaches aspiring freelancers. Laura shares her personal journey to freelancing, her best tips for freelancers, and some juicy details about freelance writing that you won’t want to miss. She talks about how she replaced her full-time income in less than a year, how freelancing gave her flexibility when she really needed it, and how she earns a consistent income without constantly pitching clients.
In this episode, we discuss:
- Where to find clients (without cold pitching)
- How to use social media in your business
- The art of asking for referrals
- Getting paid & dealing with variable income
- How to determine if a client is a good fit
If you want to learn more about becoming a freelancer, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode34/
33: Do you buy things on impulse or out of convenience? Spending habits can cost you a lot of money, and they might not even be helping you achieve your goals or live in alignment with your values. To break your automatic spending habits and start purchasing mindfully again, try a no-spend challenge. As a bonus, you’ll also save money so you can afford a big purchase, stop living paycheck to paycheck, or increase your savings.
In this episode, we discuss:
- How a no-spend challenge can save you money
- The benefits of doing a no-spend challenge
- How to do a no-spend challenge step-by-step
- Top five tips for a successful no-spend challenge
If you want to learn more about saving money with a no-spend challenge, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode31/
32: Why do you make money mistakes? Our attitudes about and actions with money are influenced by our ancestry, our past, and our money story. Your money story isn’t just how you feel about money, it’s informed by the unconscious feelings your parents, grandparents and culture have about money. Eugenie´ George MBA, CFEI uses her 10+ years of experience in tech, education, and finances to lead high-achieving women and women of color to understand their money habits. In this episode, we discuss: * Talking about money with family & friends
- Uncovering the source of your money habits
- Unlearning money habits that don’t serve you
- How your background affects your money story
If you want to learn more about uncovering the source of your money habits, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode32/
31: Want to achieve your goals without having to budget? It’s possible, with a spending plan. Money is meant to help you achieve your goals and live your life the way you want. So don’t waste time on a budget that makes you feel deprived of everything you enjoy. A spending plan gives you a framework for how and where to spend your money in order to achieve your goals and live your life in alignment with your values.
In this episode, we discuss:
- Why a spending plan is better than a budget
- Reasons to follow a spending plan
- Six simple steps to create a spending plan
- Tips for using your spending plan successfully
If you want to learn more about achieving your goals without budgeting, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode31/
30: Don’t earn much but still want to live a life you love? Moriah Chace has figured out lifestyle design on a small budget. She is just 22 years old, and has already paid off a lot of student debt, saved a year's worth of expenses, and moved across the country to start a new career. Moriah writes about money management and social impact at OurTable4Two.com.
In this episode, we discuss:
- Choosing a career based on impact not income
- How to save money through mindful spending
- The application strategy that landed her 3 job offers
- How to automate your savings & investments
- Strategies for giving money on a small budget
If you want to learn more about designing your lifestyle on a small budget, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode30/
29: Emergency funds give you peace of mind when the unexpected happens. In this episode, Becky answers all of the most common questions about emergency funds. Unexpected emergencies can happen no matter how carefully you plan, which is why having an emergency fund is so important. Whether it is a family member getting sick, your car breaking down, or getting laid off from your job, emergencies get even worse when you don’t have enough money to get you through a difficult time.
In this episode, we discuss:
- What an emergency fund is
- When you should start building an emergency fund
- How large your emergency fund should be
- How to start saving even if you can’t save much
- Where to keep your emergency fund
- When it’s OK to use your emergency fund
If you want to learn more about saving an emergency fund, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
28: Want to retire early but hate budgeting? Dragon Gal never explicitly planned for early retirement or had a budget, but she realized that she could retire at 40. She retired early in 2017 from full time teaching, a few months after finding out about the FIRE movement. Dragon Gal and her husband Dragon Guy write about retiring early and living with cancer on their blog at thedragonsonFIRE.com. In this interview, she shares the money habits that helped her retire early, how she transitioned out of her teaching job, and what early retirement looks like for her.
In this episode, we discuss:
- Money habits to make early retirement automatic
- Ways to quickly cut your expenses
- Things to do before giving notice at your job
- How everyday life changes in retirement
- Why you should let your early retirement unfold naturally
If you want to learn more about retiring early without budgeting, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
27: It’s possible to enjoy your journey to financial independence. You can use the incremental financial freedoms that you gain along the way to incorporate aspects of your ideal life into your life now. Lifestyle design is an important component of creating an enjoyable and sustainable path to financial independence. Sure, 10 or 15 years of work sounds short compared to the typical 40 year career. But if you want to avoid burnout and make the most of your time while you’re pursuing FI, balancing financial independence with lifestyle design is crucial.
In this episode, we cover:
- The real goal of people pursuing FI (hint: it’s not early retirement)
- How FIRE doesn’t always turn out as expected
- Case studies of early retired folks who’d change their approach
- Examples of people pursuing FI & lifestyle design together
- How to make the pursuit of FI enjoyable
If you want to learn more about enjoying your journey to financial independence, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Sponsor - Money Coaching with Becky
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
26: Don’t wait until you retire to start doing things you love. As you save money towards retirement, there are ways to use your incremental financial freedom to start living your ideal lifestyle now. Jessica from the Fioneers shares the concept of SlowFI, and how it allows you to utilize the financial freedom you gain along the way to live a happier and more fulfilling life now. Jessica also shares how she is on a 10-year timeline to financial independence (FI) even though she and her husband both work in the nonprofit sector and live in a high cost of living area.
In this episode, we talk about:
- How to make sure you enjoy the process of achieving FI
- Why you don’t have to work a job you hate to retire early
- How working less can actually SAVE you money
- Going part-time without extending your timeline to FI
- Why you should pursue meaningful work now
If you want to learn how to start living your ideal life on the journey to financial independence, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Want a refresher on the basics of Financial Independence, Retire Early? Listen to Episode 5.
Listen to the full guide to Lifestyle Design in Episode 7.
Jessica is a previous podcast guest, who shared how to manage stress during a crisis in Episode 15.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action
25: Do you want to be debt free? Here’s the ultimate guide to paying off all of your debt. In this episode, Becky discusses strategies and tips for paying off debt, the order in which you should pay off debt, and how to balance paying off debt with other financial goals such as investing. She also shares her approach to balancing paying off her student loans and investing for retirement.
In this episode, we answer the questions:
- How much debt do I even have?
- How does debt payoff work?
- What order should I pay off my debt?
- Should I pay off debt or invest?
If you want to learn more about how to become debt free, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Do you want the peace of mind that comes with being debt free?
It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom.
Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call.
For more information, visit the show notes at https://www.twentyfree.co/episode25/
APPLE PODCASTS:
Apple podcasts summary limit is 512 characters (make sure show notes linked).
#25: Do you want to be debt free? Here’s the ultimate guide to paying off all of your debt. In this episode, Becky discusses strategies and tips for paying off debt, the order in which you should pay off debt, and how to balance paying off debt with other financial goals such as investing.
If you want to learn more about how to become debt free, take a listen to this episode.
Show notes at https://www.twentyfree.co/episode25/
Please subscribe, rate & review.
24: After overcoming poverty, divorce and single motherhood, Jackie still reached FIRE in her 40s, making less than six figures. Jackie Cummings Koski shares how she reached financial independence in just 10 years, and retired in December 2019. Now, she’s following her dream of creating a financially literate society. Jackie talks about how she overcame poverty, became a 1st generation college graduate, learned how to save and invest, and taught her daughter about personal finance.
In this episode, we discuss:
- Why Jackie waited 2 years after FI to retire early
- How to get past the taboo and talk about money
- How Jackie’s path to FIRE differed from the norm
- How to teach others (especially your kids) about finance
- How to use early retirement to create a lasting legacy
If you want to retire early, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
For more information, visit the show notes at https://www.twentyfree.co/episode24/
23: Debt is the opposite of freedom. In fact, it is the biggest barrier holding most millennials back from finding their freedom and pursuing their ideal lives. In this episode, Becky explains why she thinks there’s no such thing as good debt (just better debt), ranks the types of debt from better to worse, and discusses options you can consider instead of accruing debt.
In this episode, Becky covers:
- What is debt?
- Alternatives to mortgage debt and car loans
- The absolute worst type of debt
- Why you should avoid & pay off debt ASAP
If you want to learn more about debt and how to avoid it, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
For more information, visit the show notes at https://www.twentyfree.co/episode23/
22: Keep working from home even after coronavirus is over! Here’s exactly how to negotiate full-time working from home (WFH) with your boss. Ms. Mod from Modest Millionaires is a Canadian mom who turned her government position into a remote job in 2018 so she could spend more time with her young kids. She shares her step-by-step process for preparing to ask, having the first conversation, and making a formal proposal to take your job remote.
In this episode, we talk about:
- Customizing your role to be perfect for WFH
- How to approach your direct supervisor
- What to say to get upper management on board
- What a win-win WFH proposal must include
If you want to learn how to negotiate a full-time work from home position at your current job, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Listen to Episode 21 to learn more tips for being productive while working from home.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
For more information, visit the show notes at https://www.twentyfree.co/episode22/
21: Get work from home tips from someone who’s had practice! In this super-actionable episode, Becky shares her best tips on how to stay productive while working from home. Becky’s been working from home once or twice a week for 2 years and made the switch to working from home full-time in January 2020. This advice covers the stuff you need and actions to take to have a productive work day at home, and will work for you even if you have multiple people working from home or don’t have a separate home office. No fancy treadmill desks here - just practical solutions to common work from home problems.
In this episode, I cover:
- How to create a workspace when you don’t have a home office
- Ways to manage your attention to be as productive as possible
- The exact routines I use before and after work
- Tips for “switching on” and “switching off” from work
- The #1 thing not to do if you want to stay productive at home
If you want to be more productive while working from home than you are in the office, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
This is not a normal podcast episode. This is a protest.
Black lives matter.
Find resources at https://www.twentyfree.co/blm
20: Want to be a money coach? Learn how from a money coach who replaced her full-time income while coaching as a side-gig, and now earns six-figures after just 4 years in business. Whether you’re looking to become a money coach as a side gig to earn more money, or to be self-employed full time, this interview will tell you what you need to know. Whitney Hansen from The Money Nerds Podcast shares what money coaches really do, powerful tips for starting a coaching business, and how to focus on being profitable over being popular.
In this episode, we talk about:
- What being a money coach is really like
- The skill you need to build a profitable coaching business
- Which offerings you should start with as a new coach
- What NOT to do as a new money coach
If you want to become a six-figure money coach, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
For more information, visit the show notes at https://www.twentyfree.co/episode20/
19: Paying 7 mortgages during a recession sounds stressful. I asked Sunitha Rao, a buy-and-hold investor with 7 units including long-term rentals, short-term rentals and a house hack, all about it in this episode. This former olympic athlete turned real estate investor came back on the podcast (she was previously on Episode 2) to tell me how COVID and the economic downturn are affecting real estate investors and landlords. If you’ve ever wondered whether real estate is a better investment than stocks during a recession, you’ve gotta listen to this conversation. Even if you’re not interested in real estate, Sunitha and I talk about investing mindsets and risk management strategies that apply to any investor.
We chat about:
- Pivoting business strategy to remain profitable
- Impacts on long-term and short-term rentals
- How to manage risk in real estate
- Mindsets to help you get through a recession
- Being prepared for the worst case scenario
If you want to learn about how real estate is being affected by COVID and the recession, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
For more information, visit the show notes at https://www.twentyfree.co/episode19/
18: Getting stuck in Italy during the coronavirus is not what this couple expected when they retired early in October 2019 and set off to slow travel Europe. Stephanie and Gillian from Our Freedom years moved from Canada to Singapore and lived as expats for 6 years. During this time, they created a budget, ran the numbers and realized they could retire early within 2 years! They retired early (in their 30s/40s), sold everything they owned, and traveled with their two suitcases, two backpacks, and two little dogs around Europe until the pandemic hit. They were in Italy at the time, and ended up not being able to leave due to closed borders and country-wide lockdown, so they hunkered down in Lake Como for a month before returning to Canada.
We talk about:
- How they retired early without having a budget for 99% of their lives
- The good money habits you need to have to retire early
- What traveling is like with two little dogs
- How to get a career abroad & become an expat
- What slow travel in early retirement looks like
- What it was like being stuck in Italy during the height of Coronavirus outbreak there
If you want to learn about how becoming an expat can accelerate your timeline to early retirement, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
For more information, visit the show notes at https://www.twentyfree.co/episode18/
17: Stuck in Cambodia and quarantined in Australia - these are the stories of two nomads who were abroad when Coronavirus became a global health pandemic. I checked back in with Alicia Walter from The Passport Couple (Episode 8) and Michelle from Frugality and Freedom (Episode 6), who were both previously interviewed on the podcast. Alicia and her boyfriend Nate, full time travel bloggers who had left to Southeast Asia just 2 months earlier, decided to stay in Cambodia when the Coronavirus started to spread. Michelle, a semi-retired nomad working a temporary contract in events management, made the decision to leave New Zealand and head back to her home base in Australia to wait out the virus.
We chat about:
- What factored into their decisions to return home or shelter-in-place
- The financial impacts of the COVID crisis on travelers
- How they’re staying safe and healthy while abroad
- What 14-day post-travel quarantine looks like
If you are curious about how Coronavirus is affecting full-time travelers and nomads, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Check out our previous episode with Michelle from Frugality and Freedom, Episode 6.
Check out our previous episode with Alicia Walter from The Passport Couple, Episode 8.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
For more information, visit the show notes at https://www.twentyfree.co/episode17/
16: Should you give up on early retirement? A Purple Life was planning to retire later this year at the age of 30, with a portfolio of $500,000. All of a sudden, there is a global pandemic and economic downturn, and her portfolio is not likely to reach half a million this year. Purple shares whether she is still planning to retire early, and how her plans might change to adjust for this new reality. We also have a bonus discussion where she shares work from home tips, since she’s been working from home for 3 and a half years.
We chat about:
- What this worst case scenario means for early retirement
- How to incorporate flexibility into your early retirement plans
- Dealing with market volatility near retirement
- Managing sequence of returns risk with a cash cushion
- BONUS: Tips for working from home!
If you are wondering if early retirement is still realistic, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Check out our previous episode with A Purple Life, Episode 3.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
For more information, visit the show notes at https://www.twentyfree.co/episode16/
15: Learn essential coping strategies for dealing with crises like the Coronavirus global pandemic. Jessica from The Fioneers shares actionable ways you can manage (and even prevent) feelings of stress and anxiety during a crisis. In this chat, which is so actionable it’s almost a workshop, Jessica shares a variety of tips and we both share our experiences and examples of how we are personally coping with this crisis.
We talk about:
- How to identify feelings of stress and anxiety
- Ways to address emotions before they get out of control
- Strategies for improving physical health to be more mentally healthy
- Ways to pre-empt and prevent feelings of stress and anxiety
- How to transform from obstacle thinking to opportunity thinking
- Why and how to use this time to work towards your long term goals
If you want actionable tips on how to manage stress during this crisis, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
For more information, visit the show notes at https://www.twentyfree.co/episode15/
14: Not sure how you can help during COVID19? With many of us stuck at home, it can feel like we are powerless to make any impact on improving our current situation as a society and economy. The good news is, there are actions you can take beyond staying home that can help other individuals and small businesses. Angela Rozmyn, blogger at Tread Lightly Retire Early and resident of Kirkland, Washington (the first hard-hit area in the USA by the coronavirus), is my guest on this episode. Listen in on our casual chat about the monetary and non-monetary ways to help your community during COVID.
In this convo, we talk about:
- Monetary and non-monetary ways to support local small businesses
- How you can help and support your neighbors
- How life has changed and what life looks like right now (I bet you can relate)
- Ways to be better prepared for emergencies in the future
- How we’re staying socially connected as extroverts
If you’re looking for ways to make a positive impact during this crisis, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
For more information, visit the show notes at https://www.twentyfree.co/episode14/
13: Wondering what to do with your money now that the market has tanked? Get advice from Donna Sowa Allard, a Certified Financial Planner (CFP), on what mistakes to avoid making right now and financial opportunities to explore during an economic downturn. Donna shares some fantastic insights into the current COVID19 economic situation, including the definitions of bull market, recession, and volatility, and how these terms apply to this financial crisis. You’ll get a deep understanding of the characteristics of the COVID financial crisis, why Donna feels encouraged by the actions of the federal reserve and Washington, and whether we can expect the market to rebound.
In this episode, we talk about:
- Whether now is the right time to invest more
- What size emergency fund you should have
- Where you should be saving money for short term versus long term goals
- How this financial crisis is different than the 2008 recession
- How to manage your risk when retiring early during a financial crisis
If you need some professional money advice during this economic downturn, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
For more information, visit the show notes at https://www.twentyfree.co/episode13/
12: Want to be a freelance writer? Learn how from a freelancer that earns six-figures, has a flexible schedule, and absolutely loves her job. Whether you’re looking to become a freelance writer as a side gig to earn more money, or to be self-employed full time, this interview will tell you what you need to know. Miranda Marquit shares a realistic take on what freelancing is like, powerful tips for building a lucrative freelancing business, and how freelancing can be the perfect career path for building a flexible freedom lilfestyle.
In this episode, we talk about:
- What being a freelance writer is really like
- How to make more money in less time
- Tips for working from home & working while traveling
- How to handle variable income
- Outsourcing to gain more time and freedom
If you want to become a six-figure freelance writer, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is the Business Freedom program from Becky Blake of twentyfree.co and host of this podcast. This group coaching program will guide you step-by-step through the process of hiring and training a virtual assistant (VA), so you can reclaim your time and start working ON your business instead of IN it. Want to earn more money and reclaim your time? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
11: Be 100% prepared before you quit your job. Becky walks you step-by-step through calculating your money runway, considering the best (and most lucrative) time to give your notice, and planning every single task you need to complete before and after quitting your job.
In this episode, we talk about:
- Ensuring you are financially ready to quit
- How to have the conversation with your partner, parents, and boss
- Deciding how much notice to give
- Figuring out the most lucrative time to quit
- Planning your next steps
If you are thinking about quitting your job and want to know exactly how to prepare, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is one-on-one coaching with Becky Blake from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, Becky helps people reach their biggest money goals, like paying off debt, building up savings and using their money to create their ideal life. She provides the proven tools to improve your finances, and accountability to make sure you take the action needed to change your life. Want to take the concepts you are learning on this podcast to the next level? Schedule your free 10-minute coaching call with Becky today!
Need someone to talk with about recent changes in your finances due to COVID19? Connect with Becky on a free 10-minute coaching call and discuss how she can help.
For more information, visit the show notes at https://www.twentyfree.co/episode11/
10: You can retire at 27! Seriously, Emily shares exactly how she retired early in this episode. When she graduated college, her and her husband fell into lifestyle inflation, including a too-big condo, new clothes, and 5 cars (at the same time)! But at age 24, they discovered financial independence, and planned to reach it in 6 years. By investing in real estate, Emily and her husband created enough passive income to live location independent and job-free in just 3 years! Now, they’re traveling the world full time.
In this episode, we talk about:
- Lifestyle inflation and how to reverse it
- How to get your spouse on board with financial independence (FI)
- Using real estate to become FI quickly
- Taking a leave of absence to ease into early retirement
- What full-time travel in early retirement is really like
If you want to retire in just a few years, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is the Find Your Freedom Group Coaching Program, taught by Becky from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, I am offering an exclusive small-group coaching program this spring. As your coach, I help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. I offer both the proven tools that will clarify your vision and path, as well as intense accountability to make sure you take the action needed to change your life. Want to make a change in your life but don’t know where to start? Apply today and get on a free 10-minute coaching call with Becky to see if the group coaching program is right for you.
For more information, visit the show notes at https://www.twentyfree.co/episode10/
9: Thinking about quitting your job to work for yourself, retire early, or just get out of a crappy job you hate? I took the leap in January of this year, and spill all the details in this episode about how I made the decision (and what alternatives I considered) to finally leave my job and work for myself.
In this episode, I share:
- Practical tips for helping you decide if you should quit your job
- My personal decision process for quitting my job
- The good, the bad, the breaking point, and what made up my mind
- Alternatives to quitting that could increase job satisfaction
- Ways to help your work fit better into your lifestyle design
- The worst case scenario if you do quit your job
If you’re trying to decide whether to quit your job, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is the Find Your Freedom Group Coaching Program, taught by Becky from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, I am offering an exclusive small-group coaching program this spring. As your coach, I help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. I offer both the proven tools that will clarify your vision and path, as well as intense accountability to make sure you take the action needed to change your life. Want to make a change in your life but don’t know where to start? Apply today and get on a free 10-minute coaching call with Becky to see if the group coaching program is right for you.
For more information, visit the show notes at https://www.twentyfree.co/episode9/
8: Want to work for yourself instead of someone else? So did Alicia, so she quit her job at age 23 to work on her side hustles full time. Now, she’s traveling the world full-time with her partner Nate.
If you want to say bye to your boss, and start working for yourself, you can’t miss this episode. We cover:
- The unexpected benefits and downsides of self-employment
- How to talk to your partner about finances
- How to tell your boss, and your parents, that you are quitting your job
- And more!
If you’re curious about how to quit your job and become self employed, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is the Find Your Freedom Group Coaching Program, taught by Becky from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, I am offering an exclusive small-group coaching program this spring. As your coach, I help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. I offer both the proven tools that will clarify your vision and path, as well as intense accountability to make sure you take the action needed to change your life. Want to make a change in your life but don’t know where to start? Apply today and get on a free 10-minute coaching call with Becky to see if the group coaching program is right for you.
For more information, visit the show notes at https://www.twentyfree.co/episode8/
7: You can live the life of your dreams, right now! That’s right, you don’t have to defer the gratification of pursuing your ideal lifestyle until you’re retired. Lifestyle design is intentionally creating a set of circumstances that allow you to live the way you want to, in full alignment with your values and priorities. In short, lifestyle design is choosing how you live your life rather than letting the “American Dream” dictate how you’re going to live it.
In this episode, we’ll discuss what lifestyle design is and we’ll go through an exercise to help you chart your path to your ideal lifestyle
This is totally actionable information – you will learn the concepts and then customize them to fit your life. Tweak the guidelines to fit your personal situation, decide what your ideal life looks like for you, and then get started with lifestyle design!
If you’re curious about how to create a life you love before retirement, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is the Find Your Freedom Group Coaching Program, taught by Becky from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, I am offering an exclusive small-group coaching program this spring. As your coach, I help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. I offer both the proven tools that will clarify your vision and path, as well as intense accountability to make sure you take the action needed to change your life. Want to make a change in your life but don’t know where to start? Apply today and get on a free 10-minute coaching call with Becky to see if the group coaching program is right for you.
For more information, visit the show notes at https://www.twentyfree.co/episode7/
6: Traveling 6 months a year is possible, even while pursuing financial independence! Michelle, an Australian blogger from Frugality and Freedom shares how she designed her lifestyle through mini-retirements to be able to travel to 40 countries, take two 6-month mini-retirements from work, and do 1 year of slow travel through the United States. Now, her lifestyle design has evolved to semi-retirement, where she integrates her work and travel together.
If you want to travel the world and design your lifestyle, you can’t miss this episode. We’ll cover:
- Mini-Retirements
- Semi-Retirement
- Location Independence
- Slow Travel
If you’re curious about how to design your lifestyle to balance work and travel, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is the Find Your Freedom Group Coaching Program, taught by Becky from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, I am offering an exclusive small-group coaching program this spring. As your coach, I help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. I offer both the proven tools that will clarify your vision and path, as well as intense accountability to make sure you take the action needed to change your life. Want to make a change in your life but don’t know where to start? Apply today and get on a free 10-minute coaching call with Becky to see if the group coaching program is right for you.
For more information, visit the show notes at https://www.twentyfree.co/episode6/
5: If you want to quit your job to travel or even just move out of your parent’s house, you can’t miss this episode. You’ll learn everything you need to know about Financial Independence Retire Early (FIRE) including…
- What Financial Independence (FI) is,
- What it means for your life,
- How to achieve FI, and
- Tips for reaching FI faster.
This is a totally actionable information – you will learn terms and concepts and then customize them to fit your life. Tweak the guidelines to fit your personal situation, decide what FIRE can look like for you, and then get on the path to financial freedom!!
Take a crash course on FIRE concepts like:
- Passive Income
- Financial Freedom
- Rule of 25
- The 4% Rule
Plus, get a quick vocab lesson on all those terms you’ve seen thrown around about FIRE, such as:
- LeanFIRE
- FatFIRE
- Mini-Retirements
- Semi-Retirement
- BaristaFI
- SlowFI
- CoastFI
Finally, we’ll discuss the 6 stages of financial freedom, from financial dependence to financial abundance.
If you’re curious about reaching financial independence or retiring early, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is the Financial Freedom Summit, an event for everyday, regular people (not just content creators) who like to talk about money. The Summit’s mission is simple: to help you reach the next level in your financial journey -- no matter where you are. There will be speakers and workshops on nearly every personal finance topic. This is your chance to connect with thousands of other people who have the same interests, goals, and philosophies as you.
For more information, visit the show notes at https://www.twentyfree.co/episode5/
4: In just 2 years, Shelby Osborne generated enough cash flow to cover her living expenses by age 28. She is now financially independent and owns 41 units after investing in real estate for just 2 years. The former army veteran built an award-winning real estate business, Five Pillars Realty, that now employs 12 people after just 1 year in business!
In this episode, we dive into the details of how Shelby built a thriving business so fast, and the mindset and habits that led to her success. We discuss failing forward, using leverage, delegating and outsourcing, creating systems, using the 80/20 principle, and the morning routine that is the secret to her success.
If you’re curious about real estate investing, or just want to learn powerful success habits, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is the Find Your Freedom Group Coaching Program, taught by Becky from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, I am offering an exclusive small-group coaching program this spring. As your coach, I help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. I offer both the proven tools that will clarify your vision and path, as well as intense accountability to make sure you take the action needed to change your life. Want to make a change in your life but don’t know where to start? Apply today and get on a free 10-minute coaching call with Becky to see if the group coaching program is right for you.
For more information, visit the show notes at https://www.twentyfree.co/episode4/
3: Two 20-something women planning to retire in their 30s tell-all: the exact dollars and cents of their FIRE plans, the advice they’d give themselves in their early 20s, aligning your spending and lifestyle with your values, and how to handle the risks of retiring in your 30s.
A Purple Life is striving to retire from her full-time job in September of 2020 to eat her way across the world. She has been able to accelerate this goal by increasing her income through job hopping and decreasing her spending with domestic geo-arbitrage.
Financial Mechanic is mechanical engineer turned programmer with a pretty big DIY project: save enough money to become financially independent. She's saved 380k by the age of 26 by living frugally, increasing her income, and investing the rest.
This episode was recorded live at FinCon 2019! It’s a casual chat, and at one point, my guests even turn the interview around on me!
If you are ready to leave the corporate grind, and don’t want to wait until you’re 65 to start living, give this episode a listen. And if you enjoy it, please subscribe, and leave us a review and rating on Apple Podcasts.
Today’s sponsor is the Financial Freedom Summit, an event for everyday, regular people (not just content creators) who like to talk about money. The Summit’s mission is simple: to help you reach the next level in your financial journey -- no matter where you are. There will be speakers and workshops on nearly every personal finance topic. This is your chance to connect with thousands of other people who have the same interests, goals, and philosophies as you.
For more information, visit the show notes at https://www.twentyfree.co/episode3/
2: Former Olympic athlete Sunitha Rao dropped out of school in 6th grade. Now, she’s a real estate investor and corporate finance professional. We discuss how she went from professional athlete to corporate professional, how her childhood experiences with financial abuse shaped her money mindset, and more – so have a listen!
10 years ago, Sunitha retired from nearly a decade of playing tennis professionally. She was 23, and had a sixth-grade education, quite literally no money, and very little knowledge of how the world worked outside of her sport.
Fast forward to today - she has earned a bachelors in business and finance from Babson College and an MBA from Villanova University (with no student debt!) and has a successful career in corporate finance. She also has a budding real estate business with six doors in her portfolio.
Take a listen to this episode, and if you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is the Find Your Freedom Group Coaching Program, taught by Becky from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, I am offering an exclusive small-group coaching program this spring. As your coach, I help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. I offer both the proven tools that will clarify your vision and path, as well as intense accountability to make sure you take the action needed to change your life. Want to make a change in your life but don’t know where to start? Apply today and get on a free 10-minute coaching call with Becky to see if the group coaching program is right for you.
For more information, visit the show notes at https://www.twentyfree.co/episode2/
1: Becky paid off $70,000 in less than 2 years. She went from $100k in debt & living with mom and dad to financially free, location independent entrepreneur in just 5 years. How? By embracing the principles of lifestyle design and financial independence, together.
This is Becky from twentyfree.co, the host of the Find Your Freedom Podcast. I’m sharing my financial freedom and lifestyle design story in today’s episode.
I tell it all: my money mindset and how it evolved, the tactics I used to get myself out of debt, how I achieved an 80% savings rate while still spending on things I care about, what my original financial independence timeline was, and how and why my goals have changed.
Get to know me better, and if you enjoy this episode, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it.
Today’s sponsor is the Find Your Freedom Group Coaching Program, taught by Becky from twentyfree.co and host of this podcast. As a money coach and lifestyle design expert, I am offering an exclusive small-group coaching program this spring. As your coach, I help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. I offer both the proven tools that will clarify your vision and path, as well as intense accountability to make sure you take the action needed to change your life. Want to make a change in your life but don’t know where to start? Apply today and get on a free 10-minute coaching call with Becky to see if the group coaching program is right for you.
For more information, visit the show notes at https://www.twentyfree.co/episode1/