this is how I spend my money to retire early скачать в хорошем качестве

this is how I spend my money to retire early

🌞 FI Workbook (FI Calculator Included): https://stan.store/anitakinoshita I'm 33 years old, I've never earned a six-figure salary, and I'm on track to retire in my 40s. In part 1, I showed you how I discovered the math behind early retirement. Today, I'm sharing the second key step: mindful spending. The most important skill to have if you want to retire early without sacrificing a happy life. After that retirement calculator wake-up call, I knew I had to optimize my spending so I could retire earlier, and improve the quality of my life. But instead of traditional budgeting, I developed a simple system that changed everything. I started scoring every expense from 1-5 based on how much value and satisfaction it brought me. What you'll learn: ✨ How I got my annual expenses down to $25k without feeling deprived ✨ The "processed food principle" that makes mindful spending more satisfying ✨ Why saving beats earning for early retirement ✨ The simple 3-step happiness audit system you can implement today ✨ Real examples showing how this affects your timeline to financial independence This approach isn't about extreme frugality—it's about aligning your money with what actually matters to you. When your spending matches your values, you get more satisfaction from less money, which means more available for your freedom fund. Timestamps: 00:00 - How much I spend a year 07:49 - The magic of mindful spending 10:10 - Why saving is better for early retirement than earning more (mathematically) 15:40 - The happiness audit system RESOURCES: 🌴Early retirement calculator: https://stan.store/anitakinoshita 🦋 Monarch Money Free Trial (budget & track your expenses): https://monarchmoney.sjv.io/Mmneyq 🍑 Meet 1:1 with a (trustworthy) professional advice: https://hellonectarine.com/r/theretir... 📚 Book Recommendations: https://theretiredmillennial.substack... 🚗 Save money on your auto insurance: https://www.myfinance.com/reporting/3... CONNECT WITH ME: • Her FI Story (Substack): https://theretiredmillennial.substack... • Instagram:   / the.retired.millennial   • Email: [email protected] What are you spending your money on that isn't aligned with your goals? Let me know in the comments—I'd love to help you think through some optimizations. Watch the series: 📺 Part 1: How I'm retiring in my 40s (without a six figure salary)    • how i’m retiring early (without a six figu...   📺 Part 3: Coming next week! PS: This is not financial advice. All investing involves risk, including the risk of losing your money. All investing should be done in accordance with your timeline, goals, and risk tolerance in mind. #FinancialIndependence #RetireEarly #PersonalFinance #FIRE #WealthBuilding #MoneyMindset #BudgetingTips #FinancialFreedom