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Financial Freedom Money Experiment


For those of you looking to retire early with financial freedom, think about what your bare minimum retirement would look like. Could you move to a place with a lower cost of living? Would you give up going out to dinner? Work towards a nest egg that will support this bare-bones lifestyle. You probably will decide against moving to that cabin in the woods without running water, but it might be nice to know you could. Considering your bare minimum retirement, and knowing you have enough money saved to at least cover some standard of living in your early retirement, will also influence other life choices you may make along the way.

financial freedom a proven path


I realize this is not directed at me, but let me give you my current retirement “job”. I hold rehab notes for real estate investors. I carefully underwrite (evaluate) the deal and my returns are 1% a month. That $250,000 would generate $2500 a month. My cash utilization is also very high. My retirement job has a great following now, I rarely have enough capital to meet all the needs.

Financial Freedom by Grant Sabatier has woken me up from years of brainwashing by the status quo model of creating wealth. Grant not only shares his own experience of how he created financial independence early he provides the strategy and tools for me to do the same. As a full time single father, I consider this book to be the most important handbook to creating financial stability for myself and other parents or single adults. Thank you Grant.
Financial freedom isn’t easy, but you knew that before reading this essay. The exciting part about these five principles is that they apply to anyone, anywhere on the socioeconomic ladder. Whether you earn minimum wage or six-figures, whether you are single or have half-a-dozen children, we have seen these principles work for thousands of individuals—because it’s not about our income level; it’s about the decisions we make with the resources we have.

Spent two nights at Longyearbyen Radisson Blu using 50000 club Carlson points. (second night free) spent 75000 UA miles for intra Europe ticket from Istanbul to Longyearbyen that I get from mileage running. I did a fairly expensive day trip cruise to a Russian settlement ( over 200 USD) but my parents just walked around in the small town (expensive and they don’t care so much). Also travel to Almaty and Bishkek, Tromso, Slovenia with them on the same trip. Then I traveled to Budapest, Belgrade and then Romania for one more week! Most nights are hostels for me, or club Carlson, two nights using Choice points in Tromso.

What means time freedom


This might be one of the most important tips when it comes to financial success. Find a mentor or mentors and really pay attention to everything they do. Even if you are unsure if they will work with you, reach out and ask as many questions as you can. You will likely be really surprised by how much older experienced people are willing to teach and help you.
Vanguard: Vanguard has a minimum of $50,000 and a fee of 0.3%. Rebalancing is done automatically once every quarter and tax loss harvesting is done on a client-by-client basis. We included Vanguard because clients who invest between $50,000-$500,000 have access to a team of financial advisors. Those with accounts over $500,000 will have a dedicated advisor.

If we compare the wealth of the United Netherlands with that of Russia or Germany, or even of France, and if we at the same time compare the total value of the lands and the aggregate population of that contracted district with the total value of the lands and the aggregate population of the immense regions of either of the three last-mentioned countries, we shall at once discover that there is no comparison between the proportion of either of these two objects and that of the relative wealth of those nations.
Also withdrawing 4% in a bear market guarantees reduced future withdrawals whereas quality dividend stocks continue to pay and increase dividends through bear markets and recessions. Hundreds of stocks maintained and even increased their dividends through the 2008 recession. These are the types of companies that you want to invest in for dividend income!
Your freedom grows alongside your savings. Eventually, you will have enough money saved to feel comfortable switching jobs, starting a business, returning to school, traveling for a year, or any number of other activities that are impossible to achieve without savings. This stage of financial freedom might include major life changes, but they are not permanent. Your freedom is temporary because your savings will be depleted over time, forcing you to find other sources of income again.
The phrase, "Affiliates are an extended sales force for your business", which is often used to explain affiliate marketing, is not completely accurate. The primary difference between the two is that affiliate marketers provide little if any influence on a possible prospect in the conversion process once that prospect is directed to the advertiser's website. The sales team of the advertiser, however, does have the control and influence up to the point where the prospect either a) signs the contract, or b) completes the purchase.
These figures are partially due to a highly progressive tax code that was implemented in the mid 2000’s that really went after income levels above these thresholds. Further, I carefully observed my happiness level from making much less to making much more. Any dollar earned above $250,000 – $300,000 didn’t make a lick of difference. In fact, I often noticed a decline in happiness due to the increased stress from work.
Grant Sabatier is the Creator of Millennial Money. Dubbed "The Millennial Millionaire" by CNBC, Grant Sabatier went from $2.26 to $1 million in 5 years through entrepreneurship, side hustling and investing. After reaching financial independence at the age of 30, Grant Founded MillennialMoney.com, where he writes about making and investing money and co-hosts the Millennial Money Minutes podcast. Since launching in 2015, Grant has reached over 10 million readers and listeners through his blog and podcast.
If you are happy with living a lower middle class lifestyle, then you would need between $800,000 – $1,600,000 in investable assets returning 2.5% – 5% a year to replicate the $40,000 in gross annual income. Of course if you’ve been investing in the bull market for the past 10 years, you’ve likely seen a higher return than 5%. But over the long run, it’s best to stay conservative since downturns do happen.
You are suggesting that because the risk free rate of return is 2.5% anybody who is not obtaining that return is not invested “properly”. However, risk is a real thing and it affects investment returns, and everybody invests with different objectives in mind. I would argue that anybody pursuing financial independence that is 100% invested in ten year bonds is not properly invested because the return from that portfolio will likely only keep up with inflation (if that). Whereas somebody who is pursuing financial independence would be better served in a balanced portfolio including stocks, bonds and maybe other asset classes. This portfolio is more than likely to return less than 2.5% in any given year, but is a more “proper” asset allocation to meet his objectives than is investing 100% of the portfolio in 10 year bonds.
Focus on reviewing products and services that fall within your niche. Then, leveraging the rapport you have created with your audience and your stance as an expert, tell your readers why they would benefit from purchasing the product or service you are promoting. Almost anything sold online can be reviewed if there is an affiliate program – you can review physical products, digital software, or even services booked online, like ride sharing or travel resort booking. It is especially effective to compare this product to others in the same category. Most importantly, make sure you are generating detailed, articulate content to improve conversions.

In November 1994, CDNow launched its BuyWeb program. CDNow had the idea that music-oriented websites could review or list albums on their pages that their visitors might be interested in purchasing. These websites could also offer a link that would take visitors directly to CDNow to purchase the albums. The idea for remote purchasing originally arose from conversations with music label Geffen Records in the fall of 1994. The management at Geffen wanted to sell its artists' CD's directly from its website but did not want to implement this capability itself. Geffen asked CDNow if it could design a program where CDNow would handle the order fulfillment. Geffen realized that CDNow could link directly from the artist on its website to Geffen's website, bypassing the CDNow home page and going directly to an artist's music page.[14]


Spent two nights at Longyearbyen Radisson Blu using 50000 club Carlson points. (second night free) spent 75000 UA miles for intra Europe ticket from Istanbul to Longyearbyen that I get from mileage running. I did a fairly expensive day trip cruise to a Russian settlement ( over 200 USD) but my parents just walked around in the small town (expensive and they don’t care so much). Also travel to Almaty and Bishkek, Tromso, Slovenia with them on the same trip. Then I traveled to Budapest, Belgrade and then Romania for one more week! Most nights are hostels for me, or club Carlson, two nights using Choice points in Tromso.
In November 1994, CDNow launched its BuyWeb program. CDNow had the idea that music-oriented websites could review or list albums on their pages that their visitors might be interested in purchasing. These websites could also offer a link that would take visitors directly to CDNow to purchase the albums. The idea for remote purchasing originally arose from conversations with music label Geffen Records in the fall of 1994. The management at Geffen wanted to sell its artists' CD's directly from its website but did not want to implement this capability itself. Geffen asked CDNow if it could design a program where CDNow would handle the order fulfillment. Geffen realized that CDNow could link directly from the artist on its website to Geffen's website, bypassing the CDNow home page and going directly to an artist's music page.[14]

financial freedom club


Hi Sam, interesting post as always. I’m always very curious about how you arrive at your estimates. It would be great if you could show us the math! (actually I’m very curious about this in your 401k value post) Anyway, in this post you mention: “need between $800,000 – $1,600,000 – to replicate 40,000 a year in passive income” This is a bit bigger than the standard 4% approach. I can see that you are cautious, I’m just wondering about how I could replicate some of the math too.
The easiest and most common way to start building an audience for a website is via social media. Depending on your niche and industry, you can choose from Facebook, Twitter, Instagram, Pinterest and several other niche and location-specific networks. Building up an engaged and interested following on social media is a great opportunity to build relationships and once you have their trust, promote your products and services to them. 
Whatever you do to build your contribution muscle, it needn’t be grandiose; it need only contribute to someone else’s life. If you do this for a few weeks, you’ll realize that your financial problems are tiny compared to many of the problems in the world around you. By discovering the smallness of your financial woes, you’ll feel empowered to take massive action and beat the crap out of your relatively miniature problems.
Humans back to and including the Cro-Magnons seem to have had clearly defined rulers and status hierarchies.[citation needed] Digs in Russia at the Sungir Archaeological Site have revealed elaborate funeral clothing on a man and a pair of children buried there approximately 28,000 years ago.[citation needed] This indicates a considerable accumulation of wealth by some individuals or families. The high artisan skill also suggest the capacity to direct specialized labor to tasks that are not of any obvious utility to the group's survival.[citation needed]
For example, we live in the burbs, the town has an average household income of 100K, average property value of $350K. That’ll cost ya $1500 a month (PI). Lot’s of BMW, Merc’s and other higher end cars, household has two cars, $1000 a month on lease. Most are both spouse working, some day care. We’re at near 3K a month with these expenses a month. If you head into FIRE with no debt allows the Basic to live like the Base. College funds, food for teenage boys, sports equipment, musical instruments, kiddie activity travel all add up.
Hang in there, Adam. I’m in the similar boat as you. I’m 51, looking to retire @55 when my son goes to college (his tuition is already saved in separate 529 account). @4% withdraw rate, we have enough assets to generate passive incomes of $250K+, and our annual living expense is <$100K. Neither me or wife have pension or medical coverage, but we do have 401K and some prior HSA savings.
Hi Jamie, awesome content that is very helpful esp with the resources, links and the rich discussions. Want to start e-commerce and blog for money…selling others products, want to go full on with this, tired of the daily routine crunch working for others. I live in a developing country (PNG) that has high internet costs (work still in progress with getting rates down…) so will see how I go with your posts. Any advise? Don’t have a website yet, have to build one I guess….
Industrialization emphasized the role of technology. Many jobs were automated. Machines replaced some workers while other workers became more specialized. Labour specialization became critical to economic success. However, physical capital, as it came to be known, consisting of both the natural capital (raw materials from nature) and the infrastructural capital (facilitating technology), became the focus of the analysis of wealth. Adam Smith saw wealth creation as the combination of materials, labour, land, and technology in such a way as to capture a profit (excess above the cost of production).[10]
Colmex Pro is the leading European Regulated CFD Broker. Offering Tier 2 CFD’s, as well as Live Equities, Indices, Commodities, Futures, and Forex, Colmex Pro offers nearly every investment vehicle available on the US Stock Market to international day traders. Coupled with their partner’s educational packages and trade room access Colmex Pro offers investors the best opportunity to grow and learn how to day trade successfully. CPA up to $1000

The figures are very optimistic! Even though I technically could “retire” with only $200K saved up, I’m going to continue working until 2015 and should have quite a bit more than that, when all’s said and done. I just wanted to compute the minimum amount it would take to cover my essential expenses to see how little I would actually need to survive. You’re definitely right that it’s a great feeling seeing how attainable FI really is!
In economics, net worth refers to the value of assets owned minus the value of liabilities owed at a point in time.[8] Wealth can be categorized into three principal categories: personal property, including homes or automobiles; monetary savings, such as the accumulation of past income; and the capital wealth of income producing assets, including real estate, stocks, bonds, and businesses.[citation needed] All these delineations make wealth an especially important part of social stratification. Wealth provides a type of individual safety net of protection against an unforeseen decline in one's living standard in the event of job loss or other emergency and can be transformed into home ownership, business ownership, or even a college education.[citation needed]
“If you want to retire early, you need to have a strong ‘why,’” Hayes said. “Do you want to quit your job so that you can start that business you always talked about with your friends? Do you want to have more than two weeks per year of vacation time? Do you want to spend more time with your loved ones? Whatever your why, let that be the motivating factor to create a plan and stick to it during the tough times. Once you have that why, you want to determine your path.”

financial freedom my only hope


Since you’re essentially becoming a freelancer, you get ultimate independence in setting your own goals, redirecting your path when you feel so inclined, choosing the products that interest you, and even determining your own hours. This convenience means you can diversify your portfolio if you like or focus solely on simple and straightforward campaigns. You’ll also be free from company restrictions and regulations as well as ill-performing teams.


I share this with to let you know how much your expertise and your creating this information means to me. I will now put this link to your site on the Inspire-EDNF (Ehlers Danlos National Foundation) site to help so many others like me. Living with this condition, I can become a hopeless mess. Today, THANKS to you, I can begin planning how to contribute not only to my family and savings but also to causes very close to my heart.
If you are generating $250,000 – $300,000 in passive income without having to work, life is good, really good. At my peak in 1H2017, I got to about ~$220,000 in annualized passive income, but then ended up slashing ~$60,000 from the top after selling my rental house to simplify life. Therefore, I’ve still got a long ways to go, especially now that I have a son to raise.

financial freedom reverse mortgage


Budget FI sounds kind of like an oxymoron, but I get what you’re saying. I’d be happy to be there. We have a long way to go but I like how you placed parameters around the pyramid. There should be a projected lifestyle in mind already when one decides to retire. And the projection should be based on the amount in your accounts and the ways you’d like or need to spend it.
What many people desire is more flexibility with their schedules. Freedom of time and financial independence go hand in hand. Together, they are about leaving the rat race to follow your passion, or spend more time with family, and not going completely broke doing it. It could come in the form of more paid time off, flex time or perhaps working remotely on occasion. Not having to take a day off from work just so you can visit the dentist or take your kid to the doctor could be a huge benefit for some.

For example, we live in the burbs, the town has an average household income of 100K, average property value of $350K. That’ll cost ya $1500 a month (PI). Lot’s of BMW, Merc’s and other higher end cars, household has two cars, $1000 a month on lease. Most are both spouse working, some day care. We’re at near 3K a month with these expenses a month. If you head into FIRE with no debt allows the Basic to live like the Base. College funds, food for teenage boys, sports equipment, musical instruments, kiddie activity travel all add up.
The media often portrays financial freedom as an insurmountable task that requires decades of saving and investing. That’s sometimes true, but it’s beneficial to focus on each victory along the way. For example, most people could pay off all non-mortgage debt, and accumulate enough savings to find a new career that is enjoyable. Those are huge accomplishments on the journey to financial freedom that should be celebrated.

7 Tips That Will Make You Influential In Financial Freedom


My name is Jamie Spencer and I have spent the past 5 years building money making blogs. After growing tired of the 9-5, commuting and never seeing my family I decided that I wanted to make some changes and launched my first blog. Since then I have launched lots of successful niche blogs and after selling my survivalist blog I decided to teach other people how to do the same.
I want to thank you for the great article. I was looking online for some inspiration to re-ignite my side-hustle and breathe some new life into my existing efforts. Your ideas here are fabulous and I’ve made notes on seven of them. I already have a lot of the concepts started, but you have given me the spark I was looking for to keep moving forward. Thanks for the help!
As far as transportation is concerned, it has been included in the ‘Rent and Utilities’ and ‘Travel’ categories. The ‘Rent and Utilities’ is a bit high, so that we can live in central locations and not have to rely on paid transportation too much. The ‘Travel’ category covers our flights between Scotland, America, and whichever other country we decide to live in but it also covers things like taxis and buses (I’m accumulating millions of frequent flyer miles between now and when I reach FI so that our airfare costs will be extremely low…more on this in future articles).
A browser extension is a plug-in that extends the functionality of a web browser. Some extensions are authored using web technologies such as HTML, JavaScript, and CSS. Most modern web browsers have a whole slew of third-party extensions available for download. In recent years, there has been a constant rise in the number of malicious browser extensions flooding the web. Malicious browser extensions will often appear to be legitimate as they seem to originate from vendor websites and come with glowing customer reviews.[32] In the case of affiliate marketing, these malicious extensions are often used to redirect a user’s browser to send fake clicks to websites that are supposedly part of legitimate affiliate marketing programs. Typically, users are completely unaware this is happening other than their browser performance slowing down. Websites end up paying for fake traffic number, and users are unwitting participants in these ad schemes.
If your audience is looking to launch an online business, migrate their ecommerce platform, or simply interested in ecommerce content, we encourage you to apply for the BigCommerce affiliate program. Our team will carefully review your application. Once approved, you will receive access to support, tracking, reporting, payments, and have your own unique affiliate link to track every referral you generate. BigCommerce is committed to the success of our affiliate partners.
Currently I’m in your blockbuster range and I still work full time. In silicon valley these days these three ranges inflate on the high end– maybe something like seven, eight, and nine figures (blockchain FI?). I used the leverage from my financial situation to present my employer with an ultimatum about working conditions (i.e. I control my location, schedule, and work content), and they seem happy to accommodate. No idea how long this job nirvana lasts but it’s been a sweet ride so far.
Affiliate marketing is commonly confused with referral marketing, as both forms of marketing use third parties to drive sales to the retailer. The two forms of marketing are differentiated, however, in how they drive sales, where affiliate marketing relies purely on financial motivations, while referral marketing relies more on trust and personal relationships.[citation needed]
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