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Frugal Living For Early Retirement

Most change does not happen all at once. It unfolds in phases. In this video, I walk through the three phases that shaped my career, my finances, and ultimately my early retirement. Not as a dramatic transformation, but as a gradual, structured shift over time. Phase one is about building stability. Phase two is about creating leverage. Phase three is about reclaiming control. Each phase has a different focus, a different mindset, and a different definition of success. If you are feeling stuck, behind, or uncertain about your next move, this framework may help you see where you are and what matters most right now. Simple. Quiet. Practical. No hype. Just structure. If this resonates with you, consider subscribing for more reflections on habits, finance, and long term thinking.