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#charliemunger #personalfinance #retirementplanning Most people will work until they're 65 without ever questioning whether there's a better way. This video breaks down the exact 4-phase retirement framework — built on Charlie Munger's principles — that can take someone from $0 to financial freedom in under a decade. In this video, you'll learn: → How to calculate your exact "Freedom Figure" using the 25x Rule → The 4 foundations every person needs before investing a single dollar → Why building multiple income streams is the only real financial protection → How to make your money generate passive income while you sleep Whether you're 20 and just starting or 35 and feeling behind — this framework works from zero. No fluff. Just the actual plan. TIMESTAMPS: 0:00 - Why Most People Never Retire Early 2:15 - The Freedom Figure and the 25x Rule 5:30 - Phase 1: Eliminating Bad Debt 8:45 - Phase 2: Building Your Financial Foundation 12:00 - Phase 3: Multiple Income Streams 15:30 - Phase 4: Passive Income (Stocks, Real Estate, and More) 18:45 - The Psychology That Determines Everything 20:00 - What's Coming in Part 2 Subscribe for weekly videos on building wealth, financial freedom, and early retirement. What's YOUR freedom figure? Drop it in the comments below — I read every single one. #EarlyRetirement #FinancialFreedom #PassiveIncome #FIRE #Investing