your journey to financial freedom

Your Journey to Financial Freedom

A step by step guide to achieving wealth and happiness!

Unlock The Life Of Your Dreams. Have Financial Freedom On Your Journey To Financial Independence

Imagine being able to quit your job, ditch your horrible commute, have passive streams of income, and choose how you want to spend your time.

Financial Independence is not having to work for money anymore. But Financial Freedom is about having options. You can have financial freedom while on your journey to financial independence and this book will show you exactly how to achieve that.

Shift your money mindset so that you can live your best life today and say goodbye to a job that determines how you live your life and hello to living on your own terms

What could you do with your time when: you no longer stick to the status quo and retire in your 50s, 40s, and even 30s?

If you no longer want to be held back by your current financial situation, be stuck in a horrible commute to a job where you are under-valued, or in a relationship that no longer serves you, this book, Your Journey To Financial Freedom, is for you.

You can in fact spend and save responsibly all while enjoying that spicy margarita and guacamole.

Financially independent & retired early.

You would spend your energy with the people and things you love .

You would have more power to fulfill all your desires and live your best life fulfilling your wildest dreams.

You would shine as your best self which then inspires those around you to do the same.

Order your copy today!

I’m jamila souffrant.

As a wife, mother of three and first-generation Jamaican immigrant, I know all too well the struggles of saving for tomorrow while spending liberally today.

I’ve been exactly where you are — living the most okay life. I didn’t hate my job or life, but I didn’t love it either. I longed for more but pushed my dreams down because I couldn’t figure out how to make my dream life happen – until I discovered the Financial Independent Retire Early (F.I.R.E.) movement. My husband and I saved $169,000 in two years, are debt free. I was able to quit my full-time corporate job to do work that lights me up.

I used to think that the only way to become wealthy was to win the lottery, get a fat inheritance, or start a multi-million-dollar company. I almost gave up on my desires because I didn’t know how I could achieve the freedom over my time that I longed for. Then I discovered the concept of Financial Independence and found a pathway out of the paycheck to paycheck cycle and dreadful commute.

Fast forward years later, I’ve achieved more freedom and have more money that I ever thought was possible.

This book is the guide I wished I would’ve had . I have gained a wealth of knowledge through my personal experiences and conducting hundreds of interviews for the Journey to Launch podcast, in which I interviewed experts and individuals who are on their own journey toward achieving FI. I have distilled this information, along with my own experiences, into frameworks and steps that you can follow. These guidelines will help you avoid making common mistakes and achieve success along the way. In this book, I want to equip you with the necessary tools to design your own unique, enjoyable journey.

Order now + get free bonuses

Purchase a copy from your favorite retailer below (be sure to grab the order #, you’ll need that for the next step!)

Come back to this page and pop your order number and other details below

Share this book with anyone you know who might be interested in the journey to financial freedom

2 Months FREE of Freedom Quest

The path to financial freedom requires the right inspiration, information, & accountability. 

That’s why I’m opening the doors to Freedom Quest, a premiere community where you can turn your dreams of financial independence into reality. You don’t have to go on this journey alone. I’ll be sharing expert advice from top personal finance pros & exclusive content to help you achieve your goals. You’ll be surrounded by like-minded people who share your passion for achieving financial freedom.

Grab your copy now & get 2 months in the community for free once we launch in 2024!

Plus, Immediately Receive Fire Starter: The Financial Independence Blueprint Course

Are you ready to embark on a transformative journey towards financial freedom & independence right now? Imagine a life where you have the power to make choices based on passion, not necessity.

The Financial Independence Blueprint Course

Are you ready to embark on a transformative journey towards financial freedom & independence right now?

• Define (FI) Financial Independence & Financial Freedom
• Work On the FI Components & FI Formula
• Calculate Your FI number
• Map Out Your FI Path + More
• 4 Video Lessons
• Complimentary Workbook

Praise For The Book

Brandon The Mad Fientist

Author, Founder & CEO, Clever Girl Finance

Author of Financial Freedom & Creator of Millennial Money

Author of the Broke Millennial Series

International Bestselling Author of The Simple Path to Wealth and Pathfinders

Author, A Healthy State of Panic

New York Times Best Selling Author of, Get Good with Money

• © 2024 Journey to Launch

Speaker | writer | financial educator

I am an award-winning podcaster, writer, and personal finance educator.

I’m the founder and host of the Journey To Launch platform and podcast where I share my journey to reaching financial freedom while helping & inspiring others to do the same. Along with a being a passionate financial educator and content curator, I’m also a wife & mom to 3 young children.

Work With Me

My client list includes established brands such as; Amazon, Fidelity, DCU, General Assembly & more.

Learn how you can book me to be the keynote at your next event, for brand partnership & ambassador opportunities, SMT/VMT tours and more. 

I am a thought leader and sought after speaker & content creator in the personal finance space.

My work has been featured in the NY Times, Money Magazine, BuzzFeed, Essence Magazine , Refinery 29, Good Morning America & More. 

financial freedom

Join the Journeyers who are Launching their way to financial freedom .

The Journey to Launch platform provides the ideas and resources to help you skyrocket your savings, blast through your debt and ultimately launch you on your journey to Financial Freedom & Independence .

Copyright © 2021 Itour. All rights reserved.

• want a website like mine? check shirley t
• back to top

My new book, Your Journey to Financial Freedom, is officially here! If you want to accelerate your unique & truly epic journey to financial freedom & independence, learn more about the book and get a free bonus for ordering by heading over to:

Yourjourneytofinancialfreedom.com.

• Search Search Please fill out this field.

1. Set Life Goals

2. make a monthly budget, 3. pay off credit cards in full, 4. create automatic savings, 5. start investing now, 6. watch your credit score, 7. negotiate for goods and services.

• 8. Get Educated on Financial Issues

9. Maintain Your Property

10. live below your means.

• 11. Get a Financial Advisor

12. Take Care of Your Health

The bottom line.

• Personal Finance
• Budgeting & Savings

How to Reach Financial Freedom: 12 Habits to Get You There

Set yourself on the path to financial freedom with these 12 habits

Financial freedom—having enough savings, investments, and cash on hand to afford the lifestyle you want for yourself and your family—is an important goal for many people. It also means growing a nest egg that will allow you to retire or pursue any career you want—without being driven by the need to earn a certain amount each year.

Unfortunately, too many people fall far short of financial freedom. Even without occasional financial emergencies, escalating debt due to overspending is a constant burden that keeps them from reaching their goals. When a major crisis—such as a hurricane, an earthquake, or a pandemic—completely disrupts all plans, additional holes in safety nets are revealed.

Trouble happens to nearly everyone, but these 12 habits can put you on the right path.

Key Takeaways

• Set life goals—big and small, financial and lifestyle—and create a blueprint for achieving those goals.
• Make a budget to cover all your financial needs and stick to it.
• Pay off credit cards in full, carry as little debt as possible, and keep an eye on your credit score.
• Create automatic savings by setting up an emergency fund and contributing to your employer’s retirement plan.
• Take care of your belongings—maintenance is cheaper than replacement—but most importantly, take care of your health.

Being Financially Independent

Being financially independent means having sufficient income, savings, or investments to live comfortably for life and meet all of one's obligations without relying on a paycheck. That is the ultimate goal of a long-term financial plan.

What is financial freedom to you? Everyone has a general desire for it, but that's too vague a goal. You need to get specific about amounts and deadlines. The more specific your goals, the higher the likelihood of achieving them.

Write down these three objectives:

• What your lifestyle requires
• How much you should have in your bank account to make that possible
• What age is the deadline to save that amount

Next, count backward from your deadline age to your current age and establish financial mileposts at regular intervals between the two dates. Write all amounts and deadlines down carefully and put the goal sheet at the front of your financial binder.

Making a monthly household budget —and sticking to it —is the best way to guarantee that all bills are paid and savings are on track. It’s also a regular routine that reinforces your goals and bolsters resolve against the temptation to splurge.

Credit cards and other high-interest consumer loans are toxic to wealth-building. Make it a point to pay off the full balance each month. Student loans, mortgages, and similar loans typically have much lower interest rates; paying them off is not an emergency. However, paying these lower-interest loans on time is still important—and on-time payments will build a good credit rating .

Pay yourself first. Enroll in your employer’s retirement plan and make full use of any matching contribution benefit , which is essentially free money. It’s also wise to have an automatic withdrawal into an emergency fund, which can be tapped for unexpected expenses, as well as an automatic contribution to a brokerage account or something similar.

Ideally, the money for the emergency fund and the retirement fund should be pulled out of your account the same day you receive your paycheck, so it never even touches your hands.

Keep in mind that the recommended amount to save in an emergency fund depends on your individual circumstances. Also, tax-advantaged retirement accounts come with rules that make it difficult to get your hands on your cash should you suddenly need it, so that account should not be your only emergency fund .

Bad stock markets—known as bear markets —can make people question the wisdom of investing, but historically there has been no better way to grow your money. The magic of compound interest alone will grow your money exponentially, but you do need a lot of time to achieve meaningful growth.

However, remember that—for everyone except professional investors—it would be a mistake to attempt the kind of stock picking made famous by billionaires like Warren Buffett . Instead, open an online brokerage account that makes it easy for you to learn how to invest , create a manageable portfolio, and make weekly or monthly contributions to it automatically. We’ve ranked the best online brokers for beginners to help you get started.

Achieving financial freedom can be very difficult in the face of growing debt, cash emergencies, medical issues, and overspending, but—with discipline and careful planning—it is possible. That is the ultimate goal of

Your credit score is a very important number that determines the interest rate you are offered when buying a new car or refinancing a home. It also impacts the amount you pay for a range other essentials, from car insurance to life insurance premiums.

The reason credit scores have so much weight is that someone with reckless financial habits is considered likely to be reckless in other areas of life, such as not looking after their health—or even driving and drinking.

This is why it’s important to get a credit report at regular intervals to make sure that there are no erroneous black marks ruining your good name. It may also be worth looking into a reputable credit monitoring service to protect your information.

Many Americans are hesitant to negotiate for goods and services, because they're afraid that it makes them seem cheap. Conquer this fear and you could save thousands each year. Small businesses, in particular, tend to be open to negotiation, so buying in bulk or positioning yourself as a repeat customer can open the door to good discounts.

8. Stay Educated on Financial Issues

Review relevant changes in tax law to ensure that all adjustments and deductions are maximized each year. Keep up with financial news and developments in the stock market and do not hesitate to adjust your investment portfolio accordingly. Knowledge is also the best defense against fraudsters who prey on unsophisticated investors to turn a quick buck.

Taking good care of property makes everything from cars and lawnmowers to shoes and clothes last longer. The cost of maintenance is a fraction of the cost of replacement, so it’s an investment not to be missed.

Learn to know the difference between the things you want and the things you need.

Mastering a frugal lifestyle means developing a mindset focused on living a good life with less—and it's easier than you think. In fact, before rising to affluence, many wealthy individuals developed the habit of living below their means.

This isn’t a challenge to adopt a minimalist lifestyle. It simply means learning to distinguish between the things you need and the things you want—and then making small adjustments that drive big gains for your financial health.

11. Get a Financial Advisor 

Once you’ve gotten to a point where you’ve amassed a decent amount of wealth—either liquid assets (cash or anything easily converted to cash) or fixed assets (property or anything not easily converted to cash)—get a financial advisor to help you stay on the right path.

The principle of proper maintenance also applies to your body—and taking excellent care of your physical health has a significant positive impact on your financial health as well.

Investing in good health is not difficult. It means making regular visits to doctors and dentists, and following health advice about any problems you encounter. Many medical issues can be helped—or even prevented—with basic lifestyle changes, such as more exercise and a healthier diet.

Poor health maintenance, on the other hand, has both immediate and long-term negative consequences on your financial goals. Some companies have limited sick days, which means a loss of income once paid days are used up. Obesity and other dietary illnesses make insurance premiums skyrocket, and poor health may force early retirement with lower monthly income for the rest of your life.

What Is Financial Freedom?

Everyone defines financial freedom in terms of their own goals. For most people, it means having the financial cushion (savings, investments, and cash) to afford a certain lifestyle—plus a nest egg for retirement or the freedom to pursue any career without the need to earn a certain salary.

What Is the 50/30/20 Budget Rule?

The 50/30/20 budget rule , popularized by Senator Elizabeth Warren , is a guideline to achieve financial stability by dividing after-tax income into 3 categories of spending: 50% for needs, 30% for wants, and 20% for savings and paying down debt. We have built an easy-to-follow budgeting calculator to help you categorize and control your spending and saving—which is the essential first step toward financial freedom.

Will a Bad Credit Score Make My Car Insurance Higher?

Although some states—including California, Hawaii, Washington, Massachusetts, and Michigan—limit or prohibit the use of credit scores to determine auto insurance rates, many companies do use a credit-based scoring system to decide whether to insure you and how much you will pay.

These 12 steps won’t solve all your money problems, but they will help you develop the good habits that get you on the path to financial freedom . Simply making a plan with specific target amounts and dates reinforces your resolve to reach your goal and guards you against the temptation to overspend. Once you start to make real progress, relief from the constant pressure of escalating debt and the promise of a nest egg for retirement kick in as powerful motivators—and financial freedom is in your sights.

Consumer Financial Protection Bureau. " Seven Factors That Determine Your Mortgage Interest Rate ."

Experian. “ How Much Does Credit Score Affect Auto Insurance Rates? ”

• Guide to Emergency-Proofing Your Finances 1 of 23
• 10 Ways to Prepare for a Personal Financial Crisis 2 of 23
• Stock Market Down? One Thing Never to Do 3 of 23
• 5 Rules to Improve Your Financial Health 4 of 23
• How to Reach Financial Freedom: 12 Habits to Get You There 5 of 23
• Emergency Fund 6 of 23
• How to Build an Emergency Fund 7 of 23
• How to Invest Your Emergency Fund for Liquidity 8 of 23
• 7 Smart Ways to Raise Cash Fast 9 of 23
• How Much Cash Should I Keep in the Bank? 10 of 23
• 7 Places to Keep Your Money 11 of 23
• What Are the Withdrawal Limits for Savings Accounts? 12 of 23
• Safe Deposit Boxes: Store This, Not That 13 of 23
• The Financial Effects of a Natural Disaster 14 of 23
• Disaster Loss: What It Is, How It Works, Calculation 15 of 23
• If Your Kid Is 18, You Need These Documents 16 of 23
• Power of Attorney: When You Need One 17 of 23
• Financial vs. Medical Power of Attorney: What’s the Difference? 18 of 23
• What Is a Special Power of Attorney vs. Other Powers of Attorney 19 of 23
• What's the Average Cost of Making a Will? 20 of 23
• 6 Estate Planning Must-Haves 21 of 23
• Letter of Instruction: Don't Leave Life Without One 22 of 23
• 5 Things to Consider Before Becoming an Estate Executor 23 of 23

• Terms of Service
• Editorial Policy
• Privacy Policy
• Your Privacy Choices

Your Journey to Financial Freedom: A Step-by-Step Guide to Achieving Wealth and Happiness

Jamila souffrant. hanover square, $25 (320p) isbn 978-1-335-00779-7.

Reviewed on: 09/19/2023

Genre: Nonfiction

• Apple Books
• Barnes & Noble

Featured Nonfiction Reviews

Your Journey to Financial Freedom

• A Step-by-Step Guide to Achieving Wealth and Happiness
• By: Jamila Souffrant
• Narrated by: Jamila Souffrant
• Length: 8 hrs and 12 mins
• 5.0 out of 5 stars 5.0 (7 ratings)

Failed to add items

Add to cart failed., add to wish list failed., remove from wishlist failed., adding to library failed, follow podcast failed, unfollow podcast failed.

$14.95/month after 30 days. Cancel anytime.

Buy for $25.19

No default payment method selected.

We are sorry. we are not allowed to sell this product with the selected payment method, listeners also enjoyed....

Personal Finance for Young Adults

By: R.M. Collective

• Narrated by: Arielle Morisot
• Length: 3 hrs
• Overall 5 out of 5 stars 50
• Performance 5 out of 5 stars 50
• Story 5 out of 5 stars 50

Over 80 percent of Americans under the age of 43 are stressed about money, especially during this unprecedented inflation, according to the American Psychological Association. You could blame the pandemic or the collapse of the economy, but blaming something you can’t control only hurts your peace of mind.

• 5 out of 5 stars

Loved this book for stepping my foot into the door of investments and savings!

• By Bhody on 09-19-23

The Black Girl's Guide to Financial Freedom

• Build Wealth, Retire Early, and Live the Life of Your Dreams

By: Paris Woods

• Narrated by: Paris Woods
• Length: 5 hrs and 21 mins
• Overall 5 out of 5 stars 480
• Performance 5 out of 5 stars 441
• Story 5 out of 5 stars 441

Are you tired of spinning your wheels following financial advice that leaves you feeling broker than before? Are you pulling your hair out trying to follow the complicated instructions offered by the gurus? In The Black Girl's Guide to Financial Freedom , Paris Woods takes the guesswork out of wealth-building and presents a plan that anyone can follow. This audiobook is perfect for Black women of any age, including young professionals just starting to set financial goals and mid-career women who are tired of following the same old rules.

• 1 out of 5 stars

If you want to hear stories.

• By Melissa H. on 10-21-22

Building Financial Habits

• A Teenager's Quickstart to Financial Literacy

By: F.C. Ramirez

• Narrated by: Michael F. Ward
• Length: 3 hrs and 40 mins
• Overall 5 out of 5 stars 20
• Performance 5 out of 5 stars 20
• Story 5 out of 5 stars 20

When it comes to financing and saving, many teenagers don’t seem to understand the kind of power and responsibility that comes with money. Whether you have a part-time job or you get an allowance from your parents, saving and budgeting are a huge part of what makes you independent.

Interesting and informative

• By IVONNE Ramirez on 03-28-23

Financial Literacy for Young Adults Simplified

• Discover How to Manage, Save, and Invest Money to Build a Secure & Independent Future

By: Raman Keane

• Narrated by: Alan I Ross
• Length: 3 hrs and 22 mins
• Overall 5 out of 5 stars 30
• Performance 5 out of 5 stars 30
• Story 5 out of 5 stars 30

Investing in your future is easier than you think—discover how and achieve financial security more quickly than you can possibly imagine. Young adults are especially financially vulnerable because they’re just starting out, want a lot of “stuff,” and are not earning the big bucks yet. So, they’re borrowing too much and saving too little (if at all), and they’re in a financial mess. But it doesn’t have to be like that. Instead, imagine a life where you have peace of mind, because your financial affairs are in order, and you’re on the right path to building wealth.

• By Nya on 03-04-24

The Young Adults Guide: 5 Steps to Managing Money

• Eliminate Financial Stress, Never Miss a Bill Payment Again, Savings Made Easy. Bonus: Savings Challenge

By: Kendall Patterson

• Narrated by: Hedy Parks
• Overall 5 out of 5 stars 27
• Performance 5 out of 5 stars 27
• Story 5 out of 5 stars 27

Whether you are single and struggling or fighting with your partner over finance, Young Adults Guide: 5 Steps to Managing Money is the only money management guide you need that has proven results.

Perfect money management guide for me in my 20s

• By Dan on 01-02-23

Cashing Out

• Win the Wealth Game by Walking Away
• By: Julien Saunders, Kiersten Saunders
• Narrated by: Julien Saunders, Kiersten Saunders
• Length: 6 hrs and 2 mins
• Overall 5 out of 5 stars 191
• Performance 5 out of 5 stars 171
• Story 5 out of 5 stars 169

When it comes to our finances, we’re told to follow the same script as our white colleagues: work hard, make money, save, and invest. Yet despite putting in twice the effort, you end up making less and are routinely passed up for career opportunities. Here’s the truth: financial freedom is within your reach, but playing by corporate America’s rules will only take you halfway there. To win, you must eventually walk away—and take up an entirely different model of wealth accumulation.

A letter to the Black community about financial se

• By Anonymous User on 06-24-22

By: Julien Saunders , and others

Personal Finance for Women

• 101 Must-Know Financial Literacy Tips to Get Rid of Debt, Repair Your Credit, and Create Financial Independence

By: Dlina J. Depina

• Narrated by: Lori K. Petrie
• Length: 4 hrs and 21 mins
• Overall 5 out of 5 stars 32
• Performance 5 out of 5 stars 32
• Story 5 out of 5 stars 32

We are seeing more women in the workforce than ever before, but despite reaching high-paying successful positions, women struggle with growing their wealth and maintaining finances. Most of the time, this struggle stems not from the inability to monitor and budget the money; rather, it originates from the lack of education and recourses that are available for young women or women in general. For some, financial education might be Everest, but even the most dangerous mountains can be conquered with the right information, patience, and resilience.

A Must-Listen for Women

• By Joyce Bui on 05-10-24

The 7-Steps from Money Slave to Money Master

• The Young Adult's Guide to Personal Finance 101: A Quick Start Guide for Teens and College Students

By: Learn2Thrive Press

• Narrated by: Luke Oldham
• Length: 3 hrs and 16 mins
• Overall 5 out of 5 stars 24
• Performance 5 out of 5 stars 24
• Story 5 out of 5 stars 24

Tired of constant financial stress? Take charge of your future with expert strategies to build wealth and achieve true financial freedom. Discover the secrets to financial mastery, escape the paycheck-to-paycheck cycle, crush debt, and transform your money mindset. Don't let money control you - take control of your money!

Great advice

• By Darrell Dillon on 03-28-24

The Double Monetary Hourglass

• 11 Strategies for Finding Balance in Money Management for 20 and 30 Somethings, and Eliminating Student Loan Debt Quickly During or After College for Beginners

By: Lou Vachon

• Narrated by: John J. Grace
• Length: 3 hrs and 51 mins
• Overall 5 out of 5 stars 35
• Performance 5 out of 5 stars 35
• Story 5 out of 5 stars 35

Do you find yourself worrying about what you’re going to do once you get out of college? 70 percent of college graduates enter the workforce with over $30,000 in debt. But this doesn't have to be you. You don't have to become part of yet another statistic. Being financially independent as you walk off that graduation stage is not a far-fetched fantasy. This is not a reality reserved solely for those who have very wealthy parents. You can achieve financial success even while in school, and can carry this forward with you throughout the rest of your life.

• By Marc Bourbonnais on 09-13-22

The Simple Path to Wealth

• Your Road Map to Financial Independence and a Rich, Free Life

By: JL Collins

• Narrated by: JL Collins, Peter Adeney
• Length: 6 hrs and 38 mins
• Overall 5 out of 5 stars 9,127
• Performance 5 out of 5 stars 7,710
• Story 5 out of 5 stars 7,644

This book grew out of a series of letters to my daughter concerning various things - mostly about money and investing - she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we've created, understanding it is critical.

Misleading, heavily biased

• By Cody Peralta on 07-19-19

Rest Is Resistance

• A Manifesto

By: Tricia Hersey

• Narrated by: Tricia Hersey
• Length: 5 hrs and 26 mins
• Overall 5 out of 5 stars 856
• Performance 5 out of 5 stars 779
• Story 5 out of 5 stars 775

What would it be like to live in a well-rested world? Far too many of us have claimed productivity as the cornerstone of success. Brainwashed by capitalism, we subject our bodies and minds to work at an unrealistic, damaging, and machine‑level pace—feeding into the same engine that enslaved millions into brutal labor for its own relentless benefit. In Rest Is Resistance , Tricia Hersey, aka the Nap Bishop, casts an illuminating light on our troubled relationship with rest and how to imagine and dream our way to a future where rest is exalted.

What an experience

• By makeba jones on 10-26-22

I Will Teach You to Be Rich

• No Guilt. No Excuses. No B.S. Just a 6-Week Program That Works (Second Edition)

By: Ramit Sethi

• Narrated by: Ramit Sethi
• Length: 12 hrs and 8 mins
• Overall 4.5 out of 5 stars 9,251
• Performance 5 out of 5 stars 7,777
• Story 4.5 out of 5 stars 7,692

Buy as many lattes as you want. Spend extravagantly on the things you love. Live your rich life instead of tracking every last expense with Ramit Sethi’s simple, powerful, and effective six-week program for gaining control over your finances. This isn’t typical advice from a money expert. In this completely updated second edition, Ramit teaches you how to choose long-term investments and the right bank accounts. With his characteristic no-BS perspective, he shows how to squeeze every hidden benefit out of your credit cards.

• 3 out of 5 stars

Repetitive - should be retitled.

• By Truth on 06-20-19

Get Good with Money

• Ten Simple Steps to Becoming Financially Whole

By: Tiffany the Budgetnista Aliche

• Narrated by: Tiffany the Budgetnista Aliche
• Length: 12 hrs and 23 mins
• Overall 5 out of 5 stars 1,015
• Performance 5 out of 5 stars 846
• Story 5 out of 5 stars 842

Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her 10-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide save and pay off millions in debt, and begin planning for a richer life.

Goodbye SWEET 16. Hello ROTH IRA!

• By Will Smith on 04-12-21

• The Counterintuitive Approach to Getting Everything You Want from Your Relationship
• By: Khadeen Ellis, Devale Ellis
• Narrated by: Khadeen Ellis, Devale Ellis
• Length: 6 hrs and 40 mins
• Overall 5 out of 5 stars 891
• Performance 5 out of 5 stars 840
• Story 5 out of 5 stars 839

After twelve years of marriage, twenty years together, and four kids, Devale and Khadeen Ellis have been through a lot. They’ve loved their way through a long-distance relationship, financial instability, parenthood, Khadeen’s near-death, and their near-divorce, chronicling their day-to-day life with their boys online. After much trial and error, they hit upon one surprising, essential truth: If you’re looking for a healthy relationship and a fulfilling life, focus on your partner’s needs instead of your wants.

I enjoyed every minute of this book

• By Freddrick Smooth on 04-30-23

By: Khadeen Ellis , and others

Playing with FIRE (Financial Independence Retire Early)

• How Far Would You Go for Financial Freedom?

By: Scott Rieckens

• Narrated by: Scott Rieckens
• Length: 4 hrs and 37 mins
• Overall 4.5 out of 5 stars 729
• Performance 4.5 out of 5 stars 626
• Story 4.5 out of 5 stars 624

A successful entrepreneur living in Southern California, Scott Rieckens had built a “dream life”: a happy marriage, a two-year-old daughter, a membership to a boat club, and a BMW in the driveway. But underneath the surface, Scott was creatively stifled, depressed, and overworked trying to help pay for his family’s beach-town lifestyle. Then one day, Scott listened to a podcast interview that changed everything.

Unrelatable and nauseatingly privileged

• By Phil Royer on 03-25-19

Set for Life, Revised Edition

• An All-Out Approach to Early Financial Freedom

By: Scott Trench

• Narrated by: Scott Trench
• Length: 9 hrs and 22 mins
• Overall 4.5 out of 5 stars 4,974
• Performance 4.5 out of 5 stars 4,271
• Story 4.5 out of 5 stars 4,234

Scott Trench—real estate investor, co-host of the BiggerPockets Money Podcast , and CEO of BiggerPockets—demonstrates how to accumulate a lifetime of wealth over a short period of time. Even starting with zero savings, you can go from a five-figure income to six figures, from an active job to passive income, then finally to the ultimate goal of financial independence.

• 4 out of 5 stars

Set for American life

• By Anonymous User on 05-11-17

Financial Feminist

• Overcome the Patriarchy’s Bullsh*t to Master Your Money and Build a Life You Love

By: Tori Dunlap

• Narrated by: Tori Dunlap, Samantha Tan, Shayna Small, and others
• Length: 8 hrs and 3 mins
• Overall 4.5 out of 5 stars 381
• Performance 4.5 out of 5 stars 337
• Story 4.5 out of 5 stars 336

From the globally-recognized personal finance educator and social media star behind Her First $100K, an inclusive guide to all things money—from managing debt to investing and voting with your dollars.

If you believe in Manifesting

• By Julia on 01-21-23

My Money My Way

• Taking Back Control of Your Financial Life

By: Kumiko Love

• Narrated by: Kumiko Love
• Length: 6 hrs and 43 mins
• Overall 5 out of 5 stars 369
• Performance 5 out of 5 stars 312
• Story 5 out of 5 stars 311

As a newly divorced single mom making $24,000 per year and facing down $77,000 in debt, Kumiko Love worried constantly about money. She saw what other moms had—vacations, birthday parties, a house full of furniture—and felt ashamed that she and her son lived in a small apartment and ate dinner on the floor. Worse, when her feelings began to exhaust her, she binge-shopped, reasoning that she’d feel better after a trip to the mall.

• By Amazon Customer on 03-02-23

Publisher's summary

*A Next Big Idea Club December 2023 Must-Read*

Podcaster Jamila Souffrant shows how to skyrocket your savings, blast through debt and ultimately accelerate your unique and truly epic journey to financial freedom and independence

Our fast-paced world prioritizes the productive busybody—financial security always seems to rule over the insatiable hankering for a Friday night splurge. However, Jamila Souffrant argues that you can in fact spend and save responsibly, all while enjoying that extra side of guacamole. In this book, Jamila will teach you how to:

• Determine which of the 4 “Journeyer” stages you fall into and how you should be evaluating your spending and saving goals accordingly
• Map out different scenarios to quit your job, retire early, and reach financial independence
• Downsize costly daily expenses in ways you never considered, and spend more in ways that bring you joy
• Create an effective debt payoff plan that works for you

As a wife, mother of three and first-generation Jamaican immigrant, Jamila knows all too well the struggles of saving for tomorrow while spending liberally today. Now, in her first book, Jamila offers her seasoned expertise in Your Journey to Financial Freedom , providing listeners with the resources they need to not only save for cake but eat it, too.

Supplemental enhancement PDF accompanies the audiobook.

PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio.

• Unabridged Audiobook
• Categories: Money & Finance

Related to this topic

Can't Hurt Me

• Master Your Mind and Defy the Odds

By: David Goggins

• Narrated by: David Goggins, Adam Skolnick
• Length: 13 hrs and 37 mins
• Overall 5 out of 5 stars 199,021
• Performance 5 out of 5 stars 175,711
• Story 5 out of 5 stars 175,112

For David Goggins, childhood was a nightmare--poverty, prejudice, and physical abuse colored his days and haunted his nights. But through self-discipline, mental toughness, and hard work, Goggins transformed himself from a depressed, overweight young man with no future into a US Armed Forces icon and one of the world's top endurance athletes. The only man in history to complete elite training as a Navy SEAL, Army Ranger, and Air Force tactical air controller, he went on to set records in numerous endurance events.

Opting for the book instead

• By S David on 12-24-18

The Art of War

By: Sun Tzu

• Narrated by: Aidan Gillen
• Length: 1 hr and 7 mins
• Overall 4.5 out of 5 stars 40,512
• Performance 4.5 out of 5 stars 33,502
• Story 4.5 out of 5 stars 33,083

The 13 chapters of The Art of War , each devoted to one aspect of warfare, were compiled by the high-ranking Chinese military general, strategist, and philosopher Sun-Tzu. In spite of its battlefield specificity, The Art of War has found new life in the modern age, with leaders in fields as wide and far-reaching as world politics, human psychology, and corporate strategy finding valuable insight in its timeworn words.

The actual book The Art of War, not a commentary

• By Fred271 on 12-31-19

The 6 Habits of Growth

By: Brendon Burchard

• Narrated by: Brendon Burchard
• Length: 5 hrs and 4 mins
• Original Recording
• Overall 4.5 out of 5 stars 5,778
• Performance 5 out of 5 stars 5,088
• Story 4.5 out of 5 stars 5,045

The world’s leading high-performance coach and multiple New York Times best-selling author Brendon Burchard delivers the six habits of personal growth that will help you create the life of your dreams. Forged from Brendon Burchard’s personal experiences, data from his GrowthDay app, and his many years as a high-performance coach, The 6 Habits of Growth presents the tools you need to construct the life of your dreams.

• 2 out of 5 stars

Don’t bother

• By B. Sharpe on 10-30-22

The 5 Second Rule

• Transform your Life, Work, and Confidence with Everyday Courage

By: Mel Robbins

• Narrated by: Mel Robbins
• Length: 7 hrs and 35 mins
• Overall 4.5 out of 5 stars 51,050
• Performance 4.5 out of 5 stars 44,422
• Story 4.5 out of 5 stars 44,085

How to enrich your life and destroy doubt in five seconds. Throughout your life, you've had parents, coaches, teachers, friends, and mentors who have pushed you to be better than your excuses and bigger than your fears. What if the secret to having the confidence and courage to enrich your life and work is simply knowing how to push yourself?

I turned it off after an hour.

• By Zac on 04-08-17

Maybe You Should Talk to Someone

• A Therapist, HER Therapist, and Our Lives Revealed

By: Lori Gottlieb

• Narrated by: Brittany Pressley
• Length: 14 hrs and 21 mins
• Overall 4.5 out of 5 stars 42,713
• Performance 5 out of 5 stars 37,603
• Story 4.5 out of 5 stars 37,466

One day, Lori Gottlieb is a therapist who helps patients in her Los Angeles practice. The next, a crisis causes her world to come crashing down. Enter Wendell, the quirky but seasoned therapist in whose of­fice she suddenly lands. With his balding head, cardigan, and khakis, he seems to have come straight from Therapist Central Casting. Yet he will turn out to be anything but.

It was like a hallmark movie being waterboarded into my ears for 15 hours

• By Amazon Customer on 10-01-19

12 Months to $1 Million

• How to Pick a Winning Product, Build a Real Business, and Become a Seven-Figure Entrepreneur

By: Ryan Daniel Moran

• Narrated by: Ryan Daniel Moran
• Length: 7 hrs and 38 mins
• Overall 5 out of 5 stars 3,559
• Performance 5 out of 5 stars 3,068
• Story 5 out of 5 stars 3,052

By cutting out the noise and providing a clear and proven plan, this road map helps even brand-new entrepreneurs make decisions quickly, get their product up for sale, and launch it to a crowd that is ready and waiting to buy. This one-year plan will guide you through the three stages to your first $1 million: the Grind (months 0-4), the Growth (months 5-8), and the Gold (months 9-12). If your goal is to be a full-time entrepreneur, get ready for one chaotic, stressful, and rewarding year. If you have the guts to complete it, you will be the proud owner of a million-dollar business.

Good, but a Little Misleading

• By Chris Love on 11-28-20

How to Train Your Mind

• Exploring the Productivity Benefits of Meditation

By: Chris Bailey

• Narrated by: Chris Bailey
• Length: 3 hrs and 18 mins
• Overall 4.5 out of 5 stars 8,216
• Performance 4.5 out of 5 stars 6,971
• Story 4.5 out of 5 stars 6,910

Meditation makes you more productive because it lets you earn back time. For each minute you spend meditating, you'll earn around nine minutes back, as Chris Bailey - author of The Productivity Project and Hyperfocus - will show in this candid and counter-intuitive guide to the productivity benefits of meditation.

Started Listening By Accident

• By T.D.Willis on 01-17-21

The Daily Stoic

• 366 Meditations on Wisdom, Perseverance, and the Art of Living
• By: Ryan Holiday, Stephen Hanselman
• Narrated by: Brian Holsopple
• Length: 10 hrs and 6 mins
• Overall 5 out of 5 stars 3,113
• Performance 4.5 out of 5 stars 2,608
• Story 5 out of 5 stars 2,573

Why have history's greatest minds - from George Washington to Frederick the Great to Ralph Waldo Emerson along with today's top performers, from Super Bowl-winning football coaches to CEOs and celebrities - embraced the wisdom of the ancient Stoics? Because they realize that the most valuable wisdom is timeless and that philosophy is for living a better life, not a classroom exercise. The Daily Stoic offers a daily devotional of Stoic insights and exercises, featuring all-new translations.

Not well made as audio

• By Andreas on 12-27-16

By: Ryan Holiday , and others

Emotional Investment

By: Fresh Produce Media

• Narrated by: Amanda Clayman
• Length: 5 hrs and 36 mins
• Overall 5 out of 5 stars 21
• Story 4.5 out of 5 stars 20

In Emotional Investment , therapist-turned-financial coach Amanda Clayman works with a range of people and couples to unravel money dilemmas. Along the way, Clayman gives us practical tools—both financial and emotional—that we can all use in our own lives.

So honest and engaging to hear people’s money stories.

• By Jc on 04-12-24

How to Release Anxiety

By: Gabrielle Bernstein

• Narrated by: Gabrielle Bernstein
• Length: 1 hr and 29 mins
• Overall 4.5 out of 5 stars 859
• Performance 4.5 out of 5 stars 751
• Story 4.5 out of 5 stars 742

It’s not just you. Stress levels are at an all-time high—so much so that a recently convened panel of medical experts in the US has recommended that all adults under the age of 65 be screened for anxiety. In How to Release Anxiety , Gabby Bernstein offers simple, actionable steps for feeling better, living with more ease, and showing up for those around us. Gabby’s unusual advice: Rather than manage your anxiety, what if you befriended it? Gabby posits that what we befriend, we can ultimately be at ease with. So she invites us to get curious.

Not my thing, but one good point

• By Scott on 10-22-22

How to Say It: Words That Make a Difference

• By: Allison Friederichs Atkison, The Great Courses
• Narrated by: Allison Friederichs Atkison
• Length: 4 hrs and 44 mins
• Overall 4.5 out of 5 stars 1,478
• Performance 4.5 out of 5 stars 1,267
• Story 4 out of 5 stars 1,247

Words. We use them all the time, every day, mostly without giving them much thought at all. We take for granted that they’re here at our disposal whenever we need them. But if you’ve ever wished you could communicate more effectively, words are the place to start. It’s incumbent upon you to choose the best words to accomplish your goals, because how you choose to communicate influences—well, everything! The power of communication shapes our professional goals, our relationships, and our lives—so the words we choose to use carry a great deal of power.

Meh. Glad I didn't pay for it.

• By Paula on 07-23-22

By: Allison Friederichs Atkison , and others

Push Back: Assert Yourself in Relationships

• By: Monica Johnson, The Great Courses
• Narrated by: Monica Johnson
• Length: 2 hrs and 30 mins
• Overall 3.5 out of 5 stars 2
• Performance 3 out of 5 stars 2
• Story 3 out of 5 stars 2

Holding boundaries and asserting yourself are crucial skills for maintaining healthy relationships and a sense of self-respect. In Push Back: Assert Yourself in Relationships , professional clinical psychologist Dr. Monica Johnson teaches you how to clearly define your limits, communicate those limits to others, and foster mutual respect and understanding in your everyday interactions.

very slow content - speed of voice and amount of content

• By Kevin Swalberg on 05-13-24

By: Monica Johnson , and others

A Quiet Life in 7 Steps

By: Susan Cain

• Narrated by: Susan Cain
• Length: 4 hrs and 38 mins
• Overall 4.5 out of 5 stars 524
• Performance 4.5 out of 5 stars 503
• Story 4.5 out of 5 stars 503

In a world of distraction, overcommitment, and often overwhelming social expectations, are you craving depth, meaning, and true connection? Join Susan Cain, an international best-selling author on the power of introverts who will help you tune out all of your everyday stresses and conflicts and tune into living a Quiet Life. In seven steps, Susan will show you exactly how to lead your own Quiet Life. She’ll help you connect with the part of yourself that’s drawn to the quiet, the deep, the beautiful, and the kind.

A great reminder to once again listen to our inner voice…

• By Amazon Customer on 01-14-24

• Attract Women Through Honesty

By: Mark Manson

• Narrated by: Austin Rising
• Length: 7 hrs and 52 mins
• Overall 5 out of 5 stars 9,085
• Performance 4.5 out of 5 stars 7,602
• Story 5 out of 5 stars 7,527

Models is the first book ever written on seduction as an emotional process rather than a logical one, a process of connecting with women rather than impressing them. It's the most mature and honest guide on how a man can attract women without faking behavior, without lying and without emulating others. A game-changer.

The content is great but the reader is awful

• By Mark Speener on 06-24-14

How to Be a 3% Man

By: Corey Wayne

• Narrated by: Corey Wayne
• Length: 7 hrs and 33 mins
• Overall 4.5 out of 5 stars 14,655
• Performance 4.5 out of 5 stars 12,091
• Story 4.5 out of 5 stars 11,985

My book covers both the dating world and long-term relationships. You will learn how to meet and date the type of women you've always dreamed of. The best part is you can do this while remaining who you truly are inside. The book teaches you how to create sexual attraction in women and get women to chase and pursue you! It takes you step by step with easy-to-follow instructions. You will be able to meet women anytime, anyplace, and anywhere. This will give you choice with women.

• By Anonymous User on 07-07-17

I Can't Make This Up

• Life Lessons
• By: Neil Strauss - contributor, Kevin Hart
• Narrated by: Kevin Hart
• Length: 11 hrs and 15 mins
• Overall 4.5 out of 5 stars 55,735
• Performance 5 out of 5 stars 50,215
• Story 4.5 out of 5 stars 49,959

Superstar comedian and Hollywood box-office star Kevin Hart turns his immense talent to the written word by writing some words. Some of those words include: the , a , for , above , and even even . Put them together and you have the funniest, most heartfelt, and most inspirational memoir on survival, success, and the importance of believing in yourself since Old Yeller .

Best Audiobook I Ever Listened To

• By Sam Clear on 07-13-17

By: Neil Strauss - contributor , and others

The Gift of Fear

• Survival Signals That Protect Us from Violence

By: Gavin de Becker

• Narrated by: Gavin de Becker
• Length: 12 hrs and 50 mins
• Overall 5 out of 5 stars 1,615
• Performance 5 out of 5 stars 1,407
• Story 5 out of 5 stars 1,398

These days, no one in America feels immune to violence. But now, in this extraordinary, groundbreaking book, the nation's leading expert on predicting violent behavior unlocks the puzzle of human violence and shows that, like every creature on earth, we have within us the ability to predict the harm others might do us and get out of its way. Contrary to popular myth, human violence almost always has a discernible motive and is preceded by clear warning signs.

Decent book severely undermined by last chapter.

• By zachary on 11-01-22

• Stop People Pleasing, Staying Silent, & Feeling Guilty... And Start Speaking up, Saying No, Asking Boldly, and Unapologetically Being Yourself

By: Dr. Aziz Gazipura PsyD

• Narrated by: Dr. Aziz Gazipura PsyD
• Length: 18 hrs and 2 mins
• Overall 4.5 out of 5 stars 1,453
• Performance 4.5 out of 5 stars 1,217
• Story 4.5 out of 5 stars 1,205

Are you too nice? If you find it hard to be assertive, directly ask for what you want, or say "no" to others, then you just might be suffering from too much niceness. In this controversial book, world-renowned confidence expert, Dr. Aziz Gazipura, takes an incisive look at the concept of nice. Through his typical style, Dr. Aziz uses engaging stories, humor, and disarming vulnerability to cut through the nice conditioning and liberate the most bold, expressive, authentic version of you.

Changed my life forever

• By Shannon Slater on 12-07-18

People who viewed this also viewed...

• The Practical Guide to Reaching Your Financial Goals
• Length: 6 hrs and 25 mins
• Overall 5 out of 5 stars 14
• Performance 5 out of 5 stars 13
• Story 5 out of 5 stars 13

We all want to live within our means, save for retirement, invest a little, and yet still have some left over each month for fun. But as most people know, real life can get in the way of even our best intentions! To help us set realistic goals and keep us on track to meeting them, New York Times bestselling financial educator Tiffany “The Budgetnista” Aliche has an invaluable 10-step action plan: Made Whole.

Just what I needed!

• By Lekeya A Irby on 12-11-23

Your First Million

• Why You Don't Have to Be Born into a Legacy of Wealth to Leave One Behind
• By: Arlan Hamilton, Rachel L. Nelson
• Narrated by: Arlan Hamilton
• Length: 4 hrs and 29 mins
• Overall 5 out of 5 stars 61
• Performance 5 out of 5 stars 60
• Story 5 out of 5 stars 60

Having lived nearly her entire life below the poverty line before going on to attain wealth and success as an entrepreneur and investor, Arlan Hamilton knows that money is power—but not for the reasons most people believe. Money is power, she says, because it provides us with options : to pursue our passions, take risks, and change our situation in life.

Advice + Action steps

• By Melanie Jones on 02-07-24

By: Arlan Hamilton , and others

Financially Lit!

• The Modern Latina's Guide to Level Up Your Dinero & Become Financially Poderosa

By: Jannese Torres

• Narrated by: Jannese Torres
• Length: 10 hrs and 1 min
• Overall 5 out of 5 stars 3
• Performance 5 out of 5 stars 3
• Story 5 out of 5 stars 3

In many immigrant households, money isn’t often a topic of discussion, so financial education can be minimal—especially when a family is just trying to survive the day-to-day. Despite being the largest minority group in the United States, the Latino community still faces cultural and systemic barriers that prevent them from building wealth. As a first-generation Latina, Jannese Torres, award-winning money expert, educator, and podcaster, knows these unique challenges well.

Clarity and Inspiration

• By MamaG LTA75 on 05-05-24

Financial Freedom for Black Women

• A Girl's Guide to Winning With Your Wealth, Career, Business, & Retiring Early—With Real Estate, Cryptocurrency, Side Hustles, Stock Market Investing, & More!

By: Brandy Brooks

• Narrated by: Keyonni James
• Length: 4 hrs and 18 mins
• Overall 4.5 out of 5 stars 28
• Performance 5 out of 5 stars 22
• Story 4.5 out of 5 stars 22

Maybe you’ve been dreaming of landing a higher-paying career, or starting a profitable online business? Perhaps you want to finally learn what you were never taught about real estate or the stock market? Or maybe you want to take a chance on Bitcoin and Crypto—without losing everything. Regardless of your current age or net worth or any financial errors you’ve made in the past, I’ll reveal the exact strategies we've used to grow our wealth from $0 to over $2M and counting.

Good basic advice. Good foundation

• By tailorchick on 10-31-23

Money Is Not a Math Problem

By: Jade Warshaw

• Narrated by: Jade Warshaw
• Length: 1 hr and 45 mins
• Overall 4.5 out of 5 stars 64
• Performance 4.5 out of 5 stars 61
• Story 4.5 out of 5 stars 61

It’s not a book about numbers, percentages or decimals. It’s a book that drives to the heart of the money problems many people deal with—because those problems are usually symptoms of a bigger issue. The issue is our inaccurate beliefs, fears and flat-out lies about budgeting. Ramsey Personality and debt elimination expert Jade Warshaw candidly shares how she and her husband, Sam, shifted their mindset around money and paid off over $460,000 in debt—including $280,000 of student loans!

Good motivation for Teens and YA

• By Courtney C. on 12-18-23

A Healthy State of Panic

• Follow Your Fears to Build Wealth, Crush Your Career, and Win at Life

By: Farnoosh Torabi

• Narrated by: Farnoosh Torabi
• Length: 9 hrs and 5 mins
• Overall 5 out of 5 stars 19
• Performance 4.5 out of 5 stars 18
• Story 5 out of 5 stars 18

Farnoosh Torabi is familiar with fear. Growing up in the 1980s as the daughter of Iranian immigrants, she was warned to proceed with caution and play it safe. She spent her childhood immersed in fear—of rejection, loneliness, missed opportunities, and falling short of her potential. But Farnoosh came to the realization that fear never limited her. Instead, it has become a friend. Now, Farnoosh pairs stories from her immigrant upbringing with hard-won industry knowledge and data to show how leaning into your fears can help you take control of your financial future.

Such a powerful (and entertaining!) message.

• By Stephanie Schendel on 11-27-23

Get the Hell Out of Debt

• The Proven 3-Phase Method That Will Radically Shift Your Relationship to Money

By: Erin Skye Kelly

• Narrated by: Erin Skye Kelly
• Length: 7 hrs and 19 mins
• Overall 4.5 out of 5 stars 84
• Performance 4.5 out of 5 stars 72
• Story 4.5 out of 5 stars 72

Erin Skye Kelly wrote Get the Hell Out of Debt after her own struggle to become consumer-debt free. She was tired of listening to middle-aged men in suits tell her to consolidate and refinance her debt when all that seemed to happen was she’d end up in more of it while they profited from it. When Kelly figured out the two most important tools to money management - and started achieving massive results- other women wanted to join in on the debt-free journey. With her sense of humor and straight-shooting sensibilities, Erin began transforming lives.

This was painful

• By Anonymous User on 12-06-22

Pillars of Wealth

• How to Make, Save, and Invest Your Money to Achieve Financial Freedom

By: David M Greene

• Narrated by: Clifford Ponder
• Length: 10 hrs and 49 mins
• Overall 4.5 out of 5 stars 34
• Performance 4.5 out of 5 stars 34
• Story 4.5 out of 5 stars 34

Break free from the slow grind of budgeting and rethink your wealth-building strategy with this award-winning Wall Street Journal bestseller: the ultimate playbook for financial freedom. Building wealth isn't complicated but its also not easy. Abandon the get-rich-quick-schemes and take the guesswork out of financial freedom with a strategy perfected by countless self-made millionaires.

Lots of bragging

• By Dr. DJ Polzin on 04-19-24

Fearless Finances

• A Timeless Guide to Building Wealth

By: Cassandra Cummings

• Narrated by: Cassandra Cummings
• Length: 7 hrs and 25 mins

Historically, women of color have been shut out of the wealth-building game. Cassandra Cummings has made it her mission to change that by creating a vibrant and successful online community of more than 100,000 women investors. In her new book, Cassandra brings the powerful lessons of their achievements to you.

Motivational

• By Amazon Customer on 01-08-23

The One Week Budget

• Learn to Create Your Money Management System in 7 Days or Less!
• Length: 3 hrs and 20 mins
• Overall 4.5 out of 5 stars 88
• Performance 4.5 out of 5 stars 73
• Story 4.5 out of 5 stars 74

Hate paying bills? So do I, and that’s why I stopped! What if I told you that I haven’t paid a bill in more than a decade and that my credit score is higher than 800? Would you call me a liar, or would you want to know how I did it? In this audiobook, I will teach you what took me years to learn. The One Week Budget is for anyone who wants to manage his or her day-to-day money without the day-to-day hassle. Does this sound like you? What are you waiting for? Listen to the audiobook already!

Missed the Mark

• By Arcilicia T. Oliver on 01-01-21

• The Winning Money Mindset That Will Change Your Life

By: Vivian Tu

• Narrated by: Vivian Tu
• Length: 8 hrs and 5 mins
• Overall 4.5 out of 5 stars 435
• Performance 4.5 out of 5 stars 400
• Story 4.5 out of 5 stars 400

When Vivian Tu started working on Wall Street fresh from undergrad, all she knew was that she was making more money than she had ever seen in her life. But it wasn’t until she found a mentor of her own on the trading floor that she began to understand what wealthy people knew intuitively. Building on the lessons she learned on Wall Street about money and the markets, Vivian now offers her best personal finance tips and tricks to listeners of all ages and demographics, so that anyone can get rich, whether you grew up knowing the rules to the game or not.

Good information

• By Joseph Gall on 12-28-23

Make Money Move

• A Guide to Financial Wellness

By: Lauren Simmons

• Narrated by: Lauren Simmons
• Length: 5 hrs and 1 min
• Overall 4.5 out of 5 stars 10
• Performance 4.5 out of 5 stars 9
• Story 4.5 out of 5 stars 9

In 2017, when she was only twenty-two, Lauren Simmons became the youngest full-time female trader at the New York Stock Exchange, and the second African American woman in the Exchange's 228-year history to hold such a position. Driven by a passion for empowering women, Millennials, Gen Zs, and minorities to become more financially savvy, she now shares her experience and knowledge in this savvy financial guide. Simmons brings a fresh perspective to personal finance.

A Nice-Listen for Financial Empowerment

• By Coach P on 03-30-24

Girls Just Wanna Have Impact Funds

• A Feminist's Guide to Changing the World with Your Money
• By: Camilla Falkenberg, Emma Due Bitz, Anna-Sophie Hartvigsen
• Narrated by: Charlotte Gosling
• Length: 4 hrs and 17 mins
• Overall 5 out of 5 stars 1
• Performance 5 out of 5 stars 1
• Story 5 out of 5 stars 1

Put your money where your mouth is when it comes to handling your finances and join the Female Invest trio on a mission to investigate sustainable stocks and funds, angel investing, and empowering initiatives—for both you and the planet. Cutting through the noise, this trusted resource will rationalize the vast scope of the term "sustainable investing", and consider how investments, funds, stocks, and shares can be responsible, ethical, green, and impactful—enabling you to partake in a truly circular economy.

By: Camilla Falkenberg , and others

The Wealth Decision

• 10 Simple Steps to Achieve Financial Freedom and Build Generational Wealth

By: Dominique Broadway

• Narrated by: Dominique Broadway
• Length: 6 hrs and 45 mins

Demystify the path to wealth once and for all with Dominique Broadway’s unique strategy for taking control of your finances and becoming a millionaire. Written with millennials and Gen Zers in mind, The Wealth Decision first shows you how to make that one decision to be wealthy. It then takes you through the most important decisions you need to live a life of financial freedom and ensuing strategies to build generational wealth and become a millionaire.

More autobiography than investment guidebook

• By Jessica on 07-03-23

We Should All Be Millionaires

• A Woman’s Guide to Earning More, Building Wealth, and Gaining Economic Power

By: Rachel Rodgers

• Narrated by: Rachel Rodgers
• Length: 8 hrs and 40 mins
• Overall 5 out of 5 stars 2,602
• Performance 4.5 out of 5 stars 2,200
• Story 5 out of 5 stars 2,190

Only 10 percent of the world’s millionaires are women, making it difficult for women to wield the economic power that will create lasting equality. Whatever is stopping you from having seven figures in the bank - whether it’s shaky confidence, knowledge gaps when it comes to wealth-building tactics, imposter syndrome, a janky mindset about money (it’s okay, we’ve all been there!), or simply not knowing where to begin - this book shows you how to clear every obstacle in your way, show up, and glow up.

Some Good Content In Between the Opinions

• By bhdhlh on 05-26-21

What listeners say about Your Journey to Financial Freedom

• 5 out of 5 stars 5.0 out of 5.0
• 4.5 out of 5 stars 4.7 out of 5.0

Reviews - Please select the tabs below to change the source of reviews.

Audible.com reviews, amazon reviews.

• Overall 5 out of 5 stars
• Performance 3 out of 5 stars
• Story 5 out of 5 stars

• M. Mansoura

Good for those starting out

Jamila clearly lays out a plan for you to follow based based on your stage of investing. Everything is clearly explained, which is great as investing can be very intimidating when first starting out. Her narration is a bit stiff. I also recommend her podcast.

Something went wrong. Please try again in a few minutes.

You voted on this review!

You reported this review!

• Performance 5 out of 5 stars

So helpful and timely

I heard about this book on Therapy for Black Girls. I plan to send it to everyone I love and most folks I like

• Tamika Marie

Financial Freedom

Excellent book, excellent narration. I also enjoy listening to the podcast, too. Do yourself a favor and purchase this book.

• Amazon Customer

Book covers so such a simple and easy to digest manner!

Everything was simple! I enjoyed listening to Jamila’s steps and her explanation on internal reflections we each need to individually make on this journey.

Please sign in to report this content

You'll still be able to report anonymously.

What is Financial Freedom? 12 Steps to Achieve It

Inside: Are you looking to achieve financial freedom? This guide teaches you the 12 habits you need along the journey. Learn how people changed their lives with simple steps of savings and minimized expenses.

Achieving financial freedom is often misconceived as simply accumulating great wealth.

However, as David Bach, a renowned financial expert and top-selling author emphasizes, “Financial Freedom is about a lot more than money, it’s about living a richer life.” Indeed, true financial freedom is not solely dictated by the figures in your bank account, but more by the ability to live life on your terms, unencumbered by financial restraints.

There are reasons financial freedom is a coveted goal for many . Having more than enough monetary resources to finance your desired lifestyle without being driven by the need to earn a certain amount every year can be liberating.

This post will explain financial freedom in-depth, its benefits, the keys, and simple strategies to attain it.

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure  here .

What is Financial Freedom?

Financial freedom is understood in various ways depending on people’s personal goals and values. Essentially, it’s having ample savings, cash, and investments to live as desired , both presently and in the future.

Those who reach financial freedom find themselves in control of their money , not allowing it to control them. Imagine enjoying your favorite hobby, traveling, or simply relaxing without stressing about money .

That’s the essence of financial freedom .

Why is Financial Freedom Good?

Financial freedom is a game-change r. It gives you complete control over your finances, allowing you to make choices that align with your values and long-term plans .

Financial independence reduces anxiety tied to unforeseen expenses and offers a safety net during unexpected hardship. It also allows you to work on your terms , pursue passions, take risks, and ultimately, leads to a more fulfilling and happier life.

This is something I can attest to when my husband was able to leave a toxic work environment on his terms.

What is the key to financial freedom?

The key to financial freedom lies in attaining financial literacy, prioritizing your goals, and cultivating good financial habits.

This involves setting and being adamant about your life goals, living within your means, saving diligently, investing wisely, diversifying income streams, and regularly reviewing and adjusting your financial plan.

Control over your finances and informed decisions pave the way toward financial freedom.

12 Simple Strategies for Financial Freedom

Achieving financial freedom requires strategic planning and disciplined execution . It’s not just about earning more, but about saving wisely, spending judiciously, and investing intelligently.

This section introduces you to key strategies for securing financial independence, illustrating their importance and demonstrating their role in paving the way toward a stress-free financial future.

Remember, financial freedom is not just about an affluent lifestyle, but about taking control of your finances, making your money work for you, and living a life on your own terms.

Something we emphasize around here at Money Bliss.

1. Set Life Goals

Setting clear, tangible life goals — both big and small, financial and lifestyle — is the first step towards achieving financial freedom. These smart goals form the backbone of your financial plan.

For instance, you may aspire to own a house, increase your liquid net worth , or retire early. The more specific your goals, with concrete amounts and deadlines, the higher the likelihood of achieving them.

2. Create a Monthly Budget

Creating a monthly budget is an instrumental step towards financial freedom.

• Start by taking account of all your income like your paycheck and expenses.
• Identify non-essential items you can cut down, and set money aside for emergencies and savings.
• Focus on mindful spending and curb the urge to splurge.

Following a monthly budget guarantees that all bills are paid, and savings are progressing at a solid pace. Get solid budgeting advice to help you get started.

3. Spend Less Than You Earn

To reach financial freedom, it’s fundamental to spend less than you earn . This tip may seem overly simple, but it lays the foundation for wealth accumulation.

I cannot stress this concept of spending less and saving more enough. By reducing discretionary expenses and embracing frugality where possible, you maximize savings.

This doesn’t mean an austere life but simply cutting back on unnecessary expenses to create more room for savings and investments.

4. Invest in Your Future

Investing is a path towards creating wealth for your future. Even small amounts invested wisely can have big results, thanks to the power of compound interest.

Whether it’s real estate, the stock market, or mutual funds, investing can generate an income stream and significant long-term growth. This also means increasing your financial literacy to bring direction and discipline to your investment journey.

Learn how to start investing 10K .

Learn to trade stocks with confidence.

Whether you want to:

• Retire in peace without financial anxiety
• ​Pay your bills without taking on a side hustle
• ​Quit your 9-5 and do what you love
• ​Or just make more than your current income....

Making $1,000 every.single.day is NOT a pie-in-the-sky goal.

It’s been done over and over again, and the 30,000 students that Teri has helped to be financially independent and fulfill their financial dreams are my witnesses…

5. Stay Educated on Financial Issues

Staying attentive to financial news and developments is crucial. Knowing current trends can aid in timely adjustments to your investment portfolio.

Staying educated on financial issues and increasing financial literacy is an effective step toward achieving financial freedom. This includes acquiring competencies in areas such as understanding debt, budgeting, keeping track of cash flow, and investing wisely.

From changes in tax law to swings in the stock market, keep informed to make well-rounded financial decisions. Remember, knowledge is your best protection against fraud or investing missteps.

6. Develop Passive Income Streams

In your hunt for financial freedom, developing passive income streams can be a great advantage.

Passive income refers to earnings derived from a rental property, selling printables, or other enterprises in which you’re not actively involved. This could be writing a book, starting a blog, or investing in stocks.

These income streams can dramatically boost your earnings and aid your journey to financial freedom.

7. Diversify Your Investments

Diversifying your investments is a key strategy to mitigate risk and potentially increase returns. Remember the statement of don’t put all of your eggs in one basket.

Portfolio diversification involves spreading investments across different asset classes – such as cash, stocks, bonds, and real estate. Diversification ensures downturns in a single area won’t devastate your finances.

The best tool to track your investments would be Empower and you can use it for free.

Empower offers powerful tools to help you plan your investment strategy along with basic budgeting features and a great net worth tool.

As a free app, Empower can help you to save money, save time, and even make more money.

8. Maintain Your Property and Health

Maintaining your property and health is vital to your financial wellness . Regular care and maintenance for your properties, like homes and cars, help prevent expensive repair costs in the future.

Investing time and effort in your health, with regular doctor visits, a healthy diet, and exercise, prevents long-term costly health issues, securing your financial future. This is why I decided to share my spinal fusion journey to help others because your health is vital to your wealth.

This investment is integral to a life of financial freedom.

9. Build a Retirement Savings Plan

Building a robust retirement savings plan is a significant step towards financial freedom. Contributing to a 401(k) or an IRA can lead to tax advantages while saving for retirement.

Here is the key to success: don’t wait to start saving for retirement until you feel like you have extra money lying around. Because that will never happen.

Start simple by maxing out your Roth IRAs and contributing enough to your employer’s 401k to receive any matching. Initiate early and let the compounding interest work in your favor for a secure retirement fund.

10. Calculate Your Financial Independence Number

Your financial independence number is a benchmark for your financial freedom goals. I’ll be honest this is one of the hardest things to do is calculate how much you need to retire.

Recently, I had a conversation with someone who retired early and she said it is so hard to know how much you need and then also live off your savings.

However, calculating this FI number can provide a roadmap for your financial freedom journey.

11. Increase Your Income

Increasing your income can expedite your journey to financial freedom. Around here at Money Bliss, we stress the need for multiple streams of income.

• Consider asking for a raise, taking on more responsibility at work, or learning new skills to command a higher salary.
• Explore side hustles fitting your skills and interests. This may lead to a new career for you!
• And don’t forget about passive income.

Generating more income not only enhances your lifestyle today but also boosts your savings and investments for a financially free tomorrow.

12. Regularly Review and Adjust Your Financial Plan

Your financial plan is not a static document but a living, changing guide. As your life and goals evolve, so should your financial strategy.

Regularly reviewing your plan helps assess your progress, make necessary adjustments, and keep you focused on your financial freedom journey.

This is something you need to prioritize on your calendar.

Dealing with Debt in the Path of Financial Freedom

Our journey of student loans was deeply intertwined with our pursuit of financial independence as we wanted more money in our budget. This systematic approach not only expedited our progress but also instilled a discipline that prepared us for a future of responsible financial decisions.

While not easy, it is best to pay off debt sooner than later.

Prioritize Paying Off Debts

Addressing debt is imperative on your financial freedom journey. Prioritize paying off debts, particularly high-interest ones. This could mean scaling back your lifestyle temporarily.

You might find strategies like the debt snowball method, paying off the smallest debts first, effective. Or the debt avalanche as we chose. Find out which way to debt payments is best for your situation.

Clearing debts reduces monthly bills and creates more room in your budget for saving and investing.

Minimize Reliance on Borrowings

If you are consistently relying on debt methods to make ends meet, that needs to stop. Instead of taking loans for significant purchases, it’s more beneficial to accumulate savings first and then purchase in cash. For instance, when looking at car loans, the interest rate is pretty high, so this is a great example to save first.

This is backward of what most people do. However, it provides wise decisions with your money like having an emergency fund to fall back on.

Just to note… for most people, a mortgage may be cheaper than renting in their area.

Commit to Debt Free Living

Committing to a debt-free lifestyle is not about sacrificing everything today for tomorrow, but about making smarter financial choices. These include fully paying off credit cards each month, preparing a budget and sticking to it, and systematically paying off any existing debts.

Over time, these actions lead to a reduction or elimination of debt contributing significantly to your financial freedom.

Just remember… being debt free is your path to wealth .

Achieving Financial Freedom: Success Stories

There is no shortage of inspiring stories of people going from rags to riches or overcoming financial hardships to achieve financial freedom.

• One notable example is the story of Grant Sabatier , who went from having only $2.26 in his bank account to reaching financial independence in just five years.
• Similarly, Kristy Shen was an ordinary programmer who quit her job and, with calculated financial decisions, managed to retire as a millionaire.
• Farnoosh Torabi, a celebrated financial correspondent, was once overwhelmed by $30,000 in student loan debt. Through disciplined budgeting and effective money management, she was able to shake off the chains of debt and now leads a financially free life.
• Likewise, Robert Kiyosaki , the author of “Rich Dad Poor Dad,” started his journey with little and is now known for his financial education organization.

There are numerous success stories affirming the attainability of financial freedom. These success stories inspire and offer valuable insights into achieving financial freedom.

Frequently Asked Questions (FAQ)

Financial freedom means having sufficient savings, investments, and cash at hand to afford the lifestyle you desire without being burdened by economic constraints.

In essence, it’s about more than just having money – it’s about having financial choices, control, and security to live life on your own terms, both now and in the future.

Achieving financial freedom isn’t about get-rich-quick schemes. Instead, it typically involves a combination of saving, investing, and increasing your income.

This can mean anything from asking for a promotion at work or starting a side business to investing in stocks or real estate. Building multiple income streams, particularly passive ones, and maintaining a disciplined budget can significantly speed up the journey.

The amount of money required to attain financial freedom varies from person to person, as it’s highly dependent on individual lifestyle aspirations and expected annual expenses.

A general rule is to multiply your expected annual income by 25. For example, if you need $50,000 a year for your dream lifestyle, your financial freedom amount would be $1.25 million. It’s crucial to reassess this number regularly and adjust for changes like inflation. Learn more on saving for retirement .

Create Financial Freedom Journey for Yourself

Achieving financial freedom is a journey, not a destination. It demands consistent effort, discipline, and wise decision-making.

Every step you take towards reducing debt, saving, investing, or earning more income brings you closer to a life self-directed rather than dictated by economic constraints.

You have the opportunity to change your family’s future for many generations to come.

Although challenges will arise, remember, as Arthur Ashe once said, “Start where you are. Use what you have. Do what you can.” With determination, you can achieve financial freedom.

Start by learning to become financially independent and grow from there.

Know someone else that needs this, too? Then, please share!!

Did the post resonate with you?

More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!

Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

• Find a Library
• Browse Collections
• Your Journey to Financial Freedom

audiobook (Unabridged) ∣ A Step-by-Step Guide to Achieving Wealth and Happiness

By jamila souffrant.

Add Book To Favorites

Is this your library?

Sign up to save your library.

With an OverDrive account, you can save your favorite libraries for at-a-glance information about availability. Find out more about OverDrive accounts.

Jamila Souffrant

Harlequin Audio

05 December 2023

Find this title in Libby, the library reading app by OverDrive.

Search for a digital library with this title

Title found at these libraries:.

• Determine which of the 4 "Journeyer" stages you fall into and how you should be evaluating your spending and saving goals accordingly
• Map out different scenarios to quit your job, retire early, and reach financial independence
• Downsize costly daily expenses in ways you never considered, and spend more in ways that bring you joy
• Create an effective debt payoff plan that works for you

Get expert advice delivered straight to your inbox.

15 Ways to Achieve Financial Freedom

15 Min Read | Feb 2, 2024

We all know the feeling—the panic that sets into your stomach when you see the bill for an unexpected car repair.  How are we going to pay for that?  But what if a car repair was just an inconvenience? Instead of worrying, you pay the bill without thinking twice. A week later you’ve forgotten it even happened! That’s how little it affects your financial situation. It’s not an emergency. It’s barely a hiccup!

Do you feel that sense of relief? That’s what financial freedom feels like.  

What Is Financial Freedom?

Financial freedom means you get to make life decisions without being overly stressed about the financial fallout of those decisions. That’s  because you’re financially prepared for whatever life throws your way—you have no debt, you have money in the bank, and you’re investing for the future .

In other words, you control your finances instead of being controlled by them. When you have financial freedom—we prefer to say financial peace —you have options . You don’t have to wonder if your bank account can handle replacing your hot water heater or buying groceries for a single mom who just lost her job.

How to Achieve Financial Freedom

The path to financial freedom isn’t a get-rich-quick strategy. And financial freedom doesn’t mean that you’re “free” of the responsibility of handling your money well. Quite the opposite. Having complete control over your finances is the result of hard work, sacrifice and time. And all of that effort is worth it!

Here are the ways you can start achieving financial freedom today:

• Learn How to Budget
• Get Debt Out of Your Life—For Good
• Set Financial Goals
• Be Smart About Your Career Choice
• Save Money for Emergencies
• Plan for Big Purchases
• Invest for Your Retirement Future
• Look for Ways to Save Money
• Live Below Your Means
• Help Your Kids Save for College
• Pay Off Your Mortgage Early
• Make Your Health a Priority
• Get the Right Insurance in Place
• Work With a Financial Advisor
• Be Generous With Others

Ready to learn how to build a life of financial independence for you and your family? Let’s dive right in!

1. Learn How to Budget

You won’t get ahead if you don’t have a plan for your money. Instead, you’ll find yourself wondering where your money went at the end of every month! That’s not financial independence—that’s a recipe for financial disaster.

Financial freedom is impossible if you’re not living on a budget . You’ve got to tell your money where to go, or you’ll end up wondering where it went. Give every dollar an assignment before the month begins and track your spending throughout the month. If you consistently overspend or underspend in certain areas, you can always adjust the amount in those categories.

Budgeting is important to get your finances on the right track, but it doesn’t end there. Even once you achieve financial freedom, you’ll still complete a unique budget every month. No matter how much money you have, you need a plan. 

No one win the big championship game by accident, and you won’t get to financial freedom by accident either. Budgeting is the first step to building wealth  on purpose. Start budgeting with confidence and take control of your money today by downloading EveryDollar —it’s the world’s best budgeting app!

2. Get Debt Out of Your Life—For Good

If you have debt like credit cards, student loans or car loans, it’s time to kick it to the curb. Why? Because as long as you’re sending hundreds of your hard-earned dollars in debt payments to banks and lenders every month, you’ll never truly experience financial freedom.

Market chaos, inflation, your future—work with a pro to navigate this stuff.

Your income is your most powerful wealth-building tool. And you won’t reach your money goals if all you’ve got to work with are bits and pieces left over after you pay credit card bills and student loan payments.

Paying off your debt helps you lay a foundation to build wealth that will last. Make sure you have $1,000 saved and put aside for emergencies before you start tackling your debt. You don’t want an unexpected expense to derail your progress.

Most people feel like they got a raise when they start budgeting, so that’s good news for you. Throw all of that extra cash at your smallest debt until it’s gone. Then keep the snowball rolling. Paying off debt is hard work, but there’s nothing like the feeling of actually keeping the money you bring in every month.

Are you ready to begin your debt-free journey? Then it’s time to sign up for Financial Peace University , the course that has helped millions of people just like you get out (and stay out) of debt! 

3. Set Financial Goals

Everybody dreams about achieving financial freedom. It’s a great dream! But a dream without a goal is just a wish. That’s why setting financial goals—like getting out of debt or saving up for retirement—is so important on your journey to financial freedom. They give you something to work toward! 

How do you know if you have a good goal to go after? Here’s how to set goals that actually work:

• Be specific.
• Make your goals measurable.
• Give yourself a deadline.
• Make sure they’re your own goals.
• Put your goals in writing.

Let’s say you really want to get out of debt. That’s a fantastic goal to have, but that’s not enough. How much debt do you want to pay off? Is it $20,000? Good, now we’re getting somewhere! When do you want to be debt-free? How does 12 months sound? Done!  

And just like that, you now have a specific, measurable goal that’s personal to you with a hard deadline attached to it: I want to pay off $20,000 worth of debt in 12 months . Now all you have to do is write it down and keep it front and center as you go after it.

4. Be Smart About Your Career Choice

As we said before, your biggest wealth-building tool is your income. So when it comes to choosing a career, there’s a lot at stake. Don’t stay stuck at a dead-end job, especially if it’s making you miserable. Find a job you enjoy that also supports your goals of  financial security  so you can enjoy the journey.

So, what should you look for? Here are a few things to keep in mind:

• Where do you want to be in 10 years?  Start with the end in mind. Does this job make sense with your overall goals?
• Is there income-earning potential?  Even if you’re not making your dream salary from the start, make sure there’s opportunity for your income to increase as your value increases.
• Can you grow?  Are there opportunities for you to move up and grow personally and professionally?
• Do you enjoy the work?  Don’t spend a career at a job you hate. Find something you’re passionate about that allows you to use your gifts and skills. 
• Do the benefits support your goals of financial freedom?  Your options for retirement savings and health insurance can dramatically affect your ability to build wealth.

Your choice of career can have a big impact on your long-term financial plan, so take it seriously. Want to learn more about discovering and doing work that gives you both a great income and big impact? Check out From Paycheck to Purpose: The Clear Path to Doing Work You Love , the latest book from bestselling author and career expert Ken Coleman!

5. Save Money for Emergencies

If your goal is financial freedom, you need a fully funded emergency fund . It acts like a buffer between you and the unexpected life events that happen to all of us, like car repairs, broken appliances and medical deductibles. That’s why you should increase your emergency fund to cover 3–6 months of expenses once you’re out of debt.

Having the cash on hand to cover an unexpected life event gives you peace of mind and is a critical part of your overall financial plan. Once you have that fully funded savings account, you’ll start to feel more flexibility in your budget. You’ll be able to say yes to shopping splurges and specialty lattes with no guilt at all!  

6. Plan for Big Purchases

Since you’re not taking on debt, you’ll also need a savings plan for big purchases that aren’t emergencies. Let’s take summer vacation, for example. It’s simple! Create a line item in your monthly budget and divide the total amount your vacation will cost by the months you have to save. You’re not living in debt anymore, and that means you can enjoy your vacation instead of having a credit card bill follow you home.

With a full emergency fund and a plan to cover big purchases in place, you’ll have the financial foundation to start investing.

7. Invest for Your Retirement Future

Now that you have a plan for short-term savings, you’re ready to  partner with a financial advisor  who can help you make the most of your long-term investment options. The good news is the sooner you start investing, the more time your money has to grow. That’s the power of compound growth at work. Here’s how to get started:

Start by taking advantage of the tax-favored retirement accounts available to you at work, like  your 401(k)   or 403(b). According to The National Study of Millionaires , 8 out of 10 millionaires invested in their company’s 401(k) plan, which played a key role in their financial success. 

How much should you invest? Invest 15% of your income toward retirement. And if your employer offers a match on contributions to your 401(k), take it! Don’t say no to free money.

If you have access to a Roth 401(k) at work with  good mutual fund options,  great! You can invest your full 15% there. But if you have a traditional 401(k), invest up to the match then invest what’s left of your 15% in a  Roth IRA . If you still have part of your 15% left after maxing out a Roth IRA, go back to your 401(k).

Why is a Roth a good idea? When you invest in a Roth 401(k) or Roth IRA, the money you invest grows tax-free. That means you don’t have to pay taxes on it when you withdraw money in retirement. That’s a big benefit you don’t want to miss out on.

Make an Investment Plan With a Pro

SmartVestor shows you up to five investing professionals in your area for free. No commitments, no hidden fees.

Ramsey Solutions is a paid, non-client promoter of participating pros. 

8. Look for Ways to Save Money

If you haven’t taken a good look at exactly what you’re spending your money on every month, it’s time to dig into your spending habits! 

It’s easy to go through the hustle and bustle of life and forget about that gym membership you signed up for at the beginning of the year but haven’t used in months. Or all those streaming services you signed up for, even though you only watch a couple of hours of television each week.

Here are a few ways you can save some money right now: 

• Buy generic over name brand.
• Meal plan and take leftovers to work.
• Brew your own coffee at home.
• Pause or cut subscriptions and memberships.
• Reduce energy costs.
• Use cashback apps and coupons.

And guess what? Even though they’ve achieved financial freedom, more than 93% of millionaires still use coupons to save money on their purchases. 1 Turns out saving money is a hard habit to break! 

9. Live Below Your Means

In other words, you’ve got to live on less than you make. This goes right along with having a budget. To reach financial freedom, you need to have self-discipline and be willing to say no to some stuff you can’t afford to buy right now so you can save more in the long run.

Listen, we’re not saying it’s bad to have stuff or want nice things. We just don’t want your stuff to have you. When you buy that car or that house with money you don’t have to impress people you don’t even like, you’ll constantly find yourself caught in the vicious cycle of debt and overspending. That’s not a recipe for financial freedom. In fact, it’s just the opposite.

10. Help Your Kids Save for College

If you’re already contributing 15% of your income to retirement and you want to start saving for your  kids’ college fund , you can start by investing in an Education Savings Account (ESA).

Like a Roth IRA, the money you contribute to an ESA grows tax-free, which means you won’t pay taxes on it when it’s used to cover college expenses. Currently you can contribute up to $2,000 per year for each child in an ESA. Income limits do apply, and your investment pro can help you find out if those impact you. 2

If you want to save beyond an ESA (or you don’t qualify to contribute to one), talk to your financial advisor about a 529 plan . These plans also grow tax-free! Just be aware there are some 529 plans you should avoid. Steer clear of prepaid tuition plans and fixed investment options. 3

The great thing about saving for your kids’ college is that by helping them avoid student debt, you’re setting them up for financial freedom too!

11. Pay Off Your Mortgage Early

There’s a reason the average millionaire pays off their house in about 10 years. 4 Think about it: What would your life look like without a mortgage payment? When you own your house (not the bank or your mortgage lender), the grass under your feet just feels different. That is freedom— financial  freedom .  

Making an extra house payment every quarter could help you pay off your house years ahead of schedule and save you tens of thousands of dollars in interest payments. You can use our mortgage payoff calculator to figure out how to shorten your mortgage term.

12. Make Your Health a Priority

We all know a healthy diet and regular exercise are good for your health. But what if we told you a healthy lifestyle is good for your bank account too?

There’s little debate that we have a health crisis in America today. And poor health could cost you your financial freedom if you don’t do anything to fix it. That’s because more health problems mean more doctor visits and medical bills, and that leads to higher insurance premiums. 

The annual cost of treating certain diseases caused by poor diet is about $300 per person, or $50 billion nationally. 5 And about 1 in 10 adults in the U.S. now owe some kind of medical debt—that’s 23 million Americans with medical debt totaling close to $200 billion. 6

When you take care of your physical, mental and spiritual health, you’re also taking care of your financial health as well. In fact, another study found that if U.S. adults followed a healthy diet, reductions in heart disease, cancer, Type 2 diabetes and Alzheimer’s disease could lead to $88.2 billion in cost savings. 7

13. Get the Right Insurance in Place

You might be asking yourself, What does insurance have to do with financial freedom? A lot, actually! When you look at sports teams that win championships, they don’t just focus on offense—they have a strong defense too. That’s what insurance is: It’s the defensive strategy that protects your finances.

Without the right insurance in place, one bad accident or one lawsuit could put everything you worked so hard for at risk. While budgeting, saving and investing will help you reach financial freedom, insurance helps you stay there.

Here are eight types of insurance you simply shouldn’t go without:

• Term life insurance
• Auto insurance
• Homeowners/renters insurance
• Health insurance
• Long-term disability insurance
• Long-term care insurance
• Identity theft protection
• Umbrella policy

Want some help? Your best bet is to talk to a RamseyTrusted insurance pro who can help you find the best deals for the right amount of insurance you need.

14. Work With a Financial Advisor

The idea of actively making decisions about your money and your investments may feel overwhelming. If it feels that way to you, you’re not alone.

Listen, you’ve worked hard to lay the right foundation, so don’t leave your financial future up to chance! You need the expertise of a financial advisor to help you navigate your investment options and brave the ups and downs of the stock market.

A financial advisor can help you:

• Make decisions about your investment strategy
• Rebalance your funds regularly so you minimize your risk
• Create a realistic plan for what financial independence looks like for you
• Know what investment options you have beyond retirement accounts
• Set up a withdrawal plan for your specific situation

15. Be Generous With Others

Financial freedom is about more than just being able to cover unexpected emergencies—like a car repair—without breaking a sweat. The fun really starts when you realize you can meet the needs of others. Imagine blessing a struggling family by paying for  their  car repair! It’s not just about you anymore—it’s about leaving a legacy!

And the best part is you don’t have to wait until you reach financial freedom to be generous. We always say to start your budget with a line item for giving—even if you’re focused on paying off debt or building your emergency fund. At that stage, your giving might look like tithes to a local church or charity. But once you’ve reached financial freedom, that’s when you can really go wild with generosity!  

If you live like no one else, later you can live and give like no one else. It’s worth all the hard work it takes to get there. You’ve got this!

• Sign up for a Financial Peace University class and learn more about commonsense, biblical money principles that have helped millions get out of debt and build wealth.
• Ready to get serious about reaching your financial goals and making smart money habits? Set up a free consultation with a financial coach .
• The SmartVestor program can connect you to investment professionals who can help you plan for the future.

This article provides general guidelines about investing topics. Your situation may be unique. If you have questions, connect with a  SmartVestor  Pro. Ramsey Solutions is a paid, non-client promoter of participating Pros. 

Did you find this article helpful? Share it!

About the author

Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since 1992. Millions of people have used our financial advice through 22 books (including 12 national bestsellers) published by Ramsey Press, as well as two syndicated radio shows and 10 podcasts, which have over 17 million weekly listeners. Learn More.

How to Start Investing in 2024: A Beginner’s Guide

Starting your investing journey can be overwhelming, but following a game plan can take a lot of the stress out of the equation. Let’s look at investing for beginners so you can start saving!

What Is a 401(k)? Everything You Need to Know

Are you contributing to your 401(k) account at work? Make sure you're getting the most out of your investment!

Journey to Financial Freedom | Jamila Souffrant | Ep 466

• December 3, 2023
• Brad Barrett
• Tag: Life Optimization

In this episode: finding a sustainable path to FI, adjusting your lifestyle, guac levels, mindset, and finding what you want.

Jamila Souffrant makes her long-awaited return to the podcast to discuss building a sustainable path to FI, the importance of readjusting, financial freedom versus financial independence, as well as other topics detailed in her new book “Your Journey to Financial Freedom: A Step-by-Step Guide to Achieving Wealth and Happiness.” While you may begin your FI journey with a set plan in mind, that doesn’t mean the actions you take along the trail of your journey won’t serve you at different stages. On this journey, you should never feel like you are depriving or overindulging, but instead, find a balance that works for you and brings you happiness in the present. Remember, reaching your FI goal should never be at the cost of your happiness, and while making necessary changes is part of FI, you shouldn’t be sacrificing your happiness to reach your goal quicker.  Being mindful and willing to change your plans just as life can change will bring you more freedom and allow you to make the necessary mindset changes that will serve you in ways well beyond your financial journey! 

Jamila Souffrant:

• Jamila’s New Book: “Your Journey to Financial Freedom: A Step-by-Step Guide to Achieving Wealth and Happiness”
• Podcast: Journey to Launch
• Website: journeytolaunch.com
• Socials: @journeytolaunch

Timestamps:

• 0:49 – Introduction/Update From Jamila
• 5:02 – Finding Your Sustainable Path to FI
• 11:55 – The Perks of Pursuing FI/Adjusting Your Lifestyle Levels
• 17:17 – Diagnosing Your True Area of Need
• 22:39 – Gaining Stability/Having Power From Your Money
• 27:23 – The Importance of Mindset/Believing it’s Possible
• 31:10 – Finding What You Want
• 38:59 – Setting Financial Goals
• 41:18 – Conclusion

Resources Mentioned In Today’s Episode:

• Jamila Souffrant | Fail Forward | Journey to Launch | ChooseFI Ep. 73
• “The Tail End” by Tim Urban
• Subscribe to The FI Weekly!

More Helpful Links and FI Resources:

• Top 10 Recommended Travel Rewards Credit Cards
• Empower: Free Dashboard to Track Your Finances
• CIT Bank Platinum Savings Account
• M1 Finance: Commission-Free Investing, 1-click rebalancing
• CashFreely: Maximize Your Cash Back Rewards
• Travel Freely: Track all your rewards cards and points
• Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off)
• Student Loan Planner: Custom Consult (with $100 Discount)
• Get a cheaper phone plan with Mint Mobile

In this episode, Brad and Jonathan discuss investment strategies with Brian Feroldi, a seasoned veteran of the stock market and author for The Motley Fool.

An second part to the conversation between ChooseFi community member Tallis, who teaches dance classes in retirement facilities, and Pop-Up Business School founder Alan Donegan,

The Ultimate Random Show | Ginger | Ep 490

Freedom Before FIRE | Trip of a Lifestyle | Ep 489

The Courage to Take Action | EconoMe LIVE with Doc G | Ep 488

Mailbag: Spending Down to Zero, High Fee 401(k), Mini Retirements | Rachael Camp | Ep 485

A Family Journey From Debt to Early Retirement in a Decade | Joel and Emily Allen | Ep 484

Update: Are Remote Tech Careers Still Relevant In 2024? | Ep 482

Update: Healthiest Year Ever | Dean Turner | Ep 480

Are You on Track to FI? | FI Roundtable | Ep 479

The Hot Seat: Community Edition | Ep 477

The Necessity for Identity Capital

Our community helps people discover and accelerate their path to Financial Independence with the goal of earning more, spending less, and enjoying the journey.

• Top Rewards Cards
• Favorite Tools
• FI Calculators
• $2 Frugal Recipes
• Educational Courses
• All Resources
• Choose FI Foundation
• Accessibility Statement
• Privacy Policy

Entrepreneurs on Fire with John Lee Dumas

Daily business podcast interviews

A 17-Step Roadmap to Financial Freedom and Fulfillment

Financial freedom and fulfillment is within reach, and it doesn’t have to be as hard as you’re making it.

In fact, there is a roadmap you can follow that will lead you there, and combining over one thousand hours of conversations with today’s most successful entrepreneurs, I created that roadmap.

The Common Path to Uncommon Success is for those willing to commit to doing the work – for those willing to follow these 17 steps to financial freedom and fulfillment.

How to Achieve Financial Freedom

But if you’re wondering “how can I get financial freedom fast?”, then you’re in the wrong place.

Achieving financial freedom takes time and dedication – a true commitment to doing the work, being resilient, and getting back up after you’re knocked down.

And as with everything in life, it can be achieved with the help of a plan.

Financial freedom plan

You can think of the 17 steps in The Common Path to Uncommon Success as your financial freedom plan. A step-by-step guide that shows you exactly what it takes to achieve the lifestyle and freedom you’ve always dreamed of for you and your family.

The book is broken up into 17 chapters, and each chapter has 3 sections:

• A definition of the chapter’s topic – what it means
• How I implemented this step on my journey to uncommon success
• How another successful entrepreneur implemented it on their journey

Through sharing an approach to each step from different perspectives I hope to encourage you and to help you see that, while there might not be a one size fits all definition of uncommon success, there is a common path to get there.

One thing I’ve proven through my thousands of interviews with successful entrepreneurs is this: uncommon success always includes financial freedom.

The Common Path to Uncommon Success is LIVE! Order you own copy today!  

How do you get financial freedom?

A financial freedom quote from Robert Kiyosaki that sums it up quite nicely is that “Financial freedom is freedom from fear.” 

So how do you get financial freedom?

One way to get financial freedom is to create it, and one way to create it is through building a scalable and sustainable business.

Entrepreneurship isn’t for everyone. Some individuals were built to serve in the entertainment industry, and some individuals were built to serve in a corporate environment.

I’m not here to judge. I’m here to tell you that if you want to create freedom in your life – financial, location, and lifestyle freedom – that you can do it through identifying a struggle in the marketplace and creating a solution people will pay you for in order to solve that struggle.

Tony Robbins says, “The secret to wealth is simple: Find a way to do more for others than anyone else does. Become more valuable. Do more. Give more. Be more. Serve more.” 

Creating and Growing a Business

If you’re still reading, then I know you’re on board; you have a desire to create and grow a business, and you’re wondering where to start.

Every step of the journey requires a plan. A plan is what will help you prepare and follow through with the most important steps to growing a sustainable business.

That’s how a plan and a roadmap work: one step at a time.

Below is a sneak peek at every chapter in The Common Path to Uncommon Success . These are the 17 steps to financial freedom and fulfillment, and again, all you need to do is commit to following them.

Your Business Foundation Plan

It all starts with the foundation of your business; this is the most critical part. It’s what will help support future growth, and without a strong foundation, your business will not be able to scale and thrive long-term.

Identify Your Big Idea

Your business starts with an idea. A big idea.

Identifying your big idea happens when you identify your Zone of Fire : where your passions and curiosity overlap with your skills and expertise.

For this exercise you’ll need a piece of paper with a line drawn down the middle.

On the lefthand side write “Passions and Curiosity”, and on the righthand side write “Skills and Expertise”.

Set a timer for 5 minutes and press start.

During these 5 minutes, write down everything that comes to mind that you’re passionate or curious about.

• What makes you happy, what are you interested in, and what gives you joy?

Set another timer for 5 minutes and press start.

During these 5 minutes, write down everything that comes to mind that you’re skilled at or that you have expertise doing.

• What do your friends ask for your help with, what did you study in school, and what are skills you’ve used at previous jobs?

Once you’ve completed both sides, it’s time to find the overlap. Where do your passions and curiosities commingle with your skills and expertise?

THAT is your Zone of Fire.

Discover Your Niche

Many think that if you go broad with your topic or business idea that you’ll be able to attract more potential clients and customers.

You hesitate to go niche because then it will be harder for people to find you.

This is wrong.

When you try to talk to everyone, you end up talking to no one.

Distractions, confusion, and options will drive people in the opposite direction. If you can’t immediately show a potential client or customer that what you have to offer is for them, without a doubt, they will leave.

NICHE down.

The following are NOT niches:

• Inspiring people is not a niche.
• Marketing strategies is not a niche.
• Creativity is not a niche.

Whereas these ARE niches:

• Inspiring people who are in the midst of recovering from an injury, and who are trying to get through physical therapy appointment is a niche.
• Marketing strategies for Instagram is a niche.
• Creativity for moms who are homeschooling their kids is a niche.

STOP trying to talk to everyone. You will quickly find that you’re really talking to no one.

Create Your Avatar

What is an avatar?

An avatar is one single individual. Your avatar is your perfect customer, your model client, the ideal consumer of your content, your products, your services, and your offers.

When you know who your avatar is with absolute clarity, you can operate your business with confidence and speed.

My avatar is Jimmy. I know him very well. I know his likes, his dislikes, what his day-to-day life is like, what his family is like, what his biggest dreams and aspirations are, and also what his biggest struggles and challenges are.

Jimmy has helped me in countless ways since I launched my business, because whenever I’m in doubt about whether to go right or left at that fork in the road, I ask Jimmy what he would want.

I didn’t create this business to serve myself. I created it to serve Jimmy .

A common misconception is that because Jimmy is my avatar, no one else can listen to Entrepreneurs On Fire, which we all know is obviously not true.

The importance of knowing Jimmy is that he keep me on track and guides me when it comes time to create new content, products, and services.

Your Business Support System Plan

We all know doing things alone can be quite difficult. Without the proper support in place, your journey will be incredibly tough. Having a mentor to help guide you and brainstorm with, and joining a mastermind to help hold yourself accountable and provide support is priceless on your journey.

Choose Your Platform

Now that you have your big idea, you’ve niched down, and you know who your one perfect client or customer is, it’s time to choose the platform where you’ll reach them.

There are three main platforms to choose from:

• Written content
• Video content
• Audio content

We’ll dive much deeper into repurposing content and being on multiple platforms, but when choosing your primary platform it’s important to FOCUS.

Which of these platforms appeals to you most, and equally as important, which of these platforms appeals to your avatar most?

• Do you love writing, being on camera, or talking “behind-the-scenes” via audio?
• Does your avatar love reading, watching, or listening based on what you know about them?

Find Your Mentor

When it comes to finding a mentor, the biggest question people have is “where do I look?”

It’s really not so much where you look as it is whom you’re looking for.

Your perfect mentor is currently where you want to be one year from today. 

Write out where you want to be one year from today, and include things like:

• What have you created?
• What does your day-to-day look like?
• Who are you serving?
• How much revenue are you generating each month?
• What types of projects are you currently working on?

Now, who have you noticed in your space that fits that criteria? Try to find at least 5 people, and then follow them, subscribe to their newsletter, engage with them on social media.

Chances are within a couple of weeks you’ll have found the perfect person to help guide you on your journey.

Join or Create a Mastermind

If you want to change your life, change your environment.

A quote we hold close is from Jim Rohn : “You are the average of the five people you spend the most time with.”

Who are your top five?

• Are they people who inspire, motivate, and support your dreams?
• Or are they people who complain, play the victim in their lives, and who are unhappy?

Joining (or creating) a mastermind is a great way to guarantee that you’re surrounding yourself with people who will be that inspiration, motivation, and support on your journey.

First step to finding a mastermind to join – or at least three or four others who will join the mastermind you’re creating (peer-to-peer) – is talking about the fact that you’re looking.

Oftentimes someone in your circles already knows of – or is already a part of – another mastermind.

Second step is to join groups on social media in your industry or niche, and start connecting with like-minded people who are in the same or similar place on their journey as you.

Third step: simply invite people to join!

Your Content Plan

Design your content production plan.

Creating financial freedom and fulfillment requires you to create the best solutions to your avatar’s biggest problems.

Once you’ve created that solution, you’ll deliver it to your avatar (and audience as a whole) via your platform.

In order to do this consistently and successfully, you need a content production plan.

Your content production plan is a huge deal; it’s what will help hold you accountable to delivering the type of value that will gain your followers know, like, and trust factor, which in turn will be what turns them into paying clients and customers.

Dive in, create your content production plan , and commit to it.

Create Content

Creating content is one of the toughest things you’ll do as an entrepreneur. Even if you LOVE to create content, your downfall could be that you’re not able to do it consistently over time.

But building and growing a successful business requires that you create content consistently over time.

So how will you keep going when things start to feel hard? Start to feel overwhelming? When doubts, fear, and anxiety start to creep in?

As you dive into this critical phase of growing your business, make sure you have a strong enough WHY that will encourage and motivate you to do the work – even when you might not feel like it.

Launching something – anything – is no walk in the park. You’ve been through a lot to get to this point, and launching a product, service, or any type of offer to your audience should be  exciting!

NOT excruciating, painful, or from a place of fear.

Launch from a place of excitement and confidence, knowing that even if it isn’t a huge “success”, that you’ve still won given the experience and lessons you’ve learned along the way.

Mahatma Gandhi famously said, “First they ignore you, then they laugh at you, then they fight you, then you win.”

It’s time to step into the ring and OWN your launch.

It might not work the first time, the second time, or the fifth time.

The difference between those who achieve uncommon success and those who don’t? The ones who do get up and try again.

Your Research and Implementation Plan

We’re starting to pick up some massive speed on the common path to uncommon success – I hope you can feel it, too!

This next stage of your journey is going to require a lot of resourcefulness. There will be a lot of excuses that come up during this stage around the reasons why something isn’t working.

You must push through.

Pinpoint Your Avatar’s Biggest Struggle

Now that you’re on your way to building an audience through providing free, valuable and consistent content, it’s time to reach out and ask some very simple yet powerful questions. Four of them to be exact.

How did you hear about me/find my content?

What do you like about the content I’m producing?

What don’t you like?

What is your biggest struggle right now?

Once you’ve found your avatar, having one-on-one conversations with them and asking these four questions will lead you to the product, service, or community you can create for them – and it’ll guarantee it’s something they’ll pay you money for.

Sound like valuable conversations?

That’s an understatement.

Not only will they be revealing key insights to help you improve what you already offer, they’ll be sharing their biggest struggle with you. It’s at this point you might find yourself talking to an audience you didn’t expect. Your avatar might change slightly based on these conversations.

That’s ok.

Once you’ve pinpointed their biggest struggle, it’s time to take that knowledge and create the solution.

Prove the Concept and Craft the Solution

“Approach each customer with the idea of helping him or her solve a problem or achieve a goal, not of selling a product or service.” – Brian Tracy

Now don’t get too far ahead of yourself. I KNOW this is exciting and it’s very easy to want to just create the solution and put it out there.

BUT FIRST: you must prove the concept.

People vote with their wallets.

Just because you’ve heard from several people in your audience something along the lines of “Oh! That’s a great idea!” doesn’t mean they will actually be willing to paying you money for it.

So, make them vote with their wallets – let  them prove the concept for you by offering up an idea, asking your audience to join, and only once you’ve hit a certain goal (for example, 10 new members for your online course) do you actually create and launch it.

Your opportunities for what type of solution you can provide to your avatar’s biggest struggle are endless. Here are just a few ideas:

• One-on-one coaching
• Group coaching
• Leading a mastermind
• Writing a book
• Creating a course
• Hosting a virtual summit
• Running a paid challenge
• Creating software (SaaS: Software as a Service)
• Creating a physical product
• Hosting a premium community
• Becoming an affiliate and promoting another company’s product, service, or community
• Offering a certification
• Hosting live or virtual events

If you’re not sure which solution is best, choose your top 3 from the list above and go back to your avatar. Have more one-on-one conversations. ASK.

Build Your Funnel

Now that you have a proven concept you can offer your audience, it’s time to build a funnel.

A funnel is the journey your avatar takes from the moment they are introduced to your content for the very first time all the way to becoming a customer, client, or evangelist.

People buy from people they know, like, and trust, and your funnel can help drastically improve your relationship with your potential buyers on their journey to your offer.

There is a lot that goes into a funnel, but lucky for you – because you’re on the common path – you’ve already created a lot of the upfront content and hopefully a free offer to kick things off.

Here’s a quick example of one of our most successful funnels to date:

• My free, valuable and consistent content goes out via my podcast , and my avatar tunes in to listen and gain inspiration for their own entrepreneurial journey
• On each episode, I have a Call To Action (CTA) that shares something valuable and free I know can help solve a pain point my avatar is currently experiencing. One of those pain points is they want to start a podcast, but they don’t know where to start.
• I introduce my audience to my Free Podcast Course : how to create and launch your podcast. It’s eight video tutorials that will walk you through step by step – and it’s completely free, I just ask for your email address.
• Once you’ve joined Free Podcast Course you see the immense value and time and care that I put into my trainings. You already have a feel for this because you listen to Entrepreneurs On Fire the podcast, but this is further confirmation.
• After you’re done with Free Podcast Course, I lead you down the path a bit further: what do people want to do once they’ve created and launched their podcast? Learn how to grow and monetize. And I teach the top 5 ways to grow and monetize a podcast on my completely free Podcast Masterclass .
• On my Podcast Masterclass – at the very end, after providing a ton of value – I share an opportunity to invest in the next step: Podcasters’ Paradise . Podcasters’ Paradise is a paid membership community and course where we have every resource, step-by-step tutorial, and the support you need to create, grow, and monetize your podcast

This isn’t what every funnel is going to look like. In step #1, you might find that your content is reaching your audience via a blog, or videos.

In step #3, you might offer a free checklist download, or you might offer a free 15-minute phone consultation.

In step #5, you might go from having given away something free in #3, to now asking for a very low investment commitment – maybe $19 to attend your masterclass, or get access to a video series.

Always remember when you’re building and crafting something for your avatar: think about it from their perspective – what would they want?

Your Scalability Plan

Congratulations! You’ve made it to the final stage on your journey to uncommon success. Feels pretty great, doesn’t it?!

In this stage, you scale.

That means by now you’ve built a strong foundation, you have a support system around you, you’ve nailed your content, and you’ve proven a concept and implemented it with success.

Only thing left to do is amplify what’s working – pure 80/20 rule going into effect NOW.

Diversify Your Revenue Streams

Don’t put all your eggs in one basket.

You’ve heard the saying before, and never has it rang more true than when you’re building a sustainable and successful business.

Diversifying your revenue streams – aka generating revenue from not just one source, but multiples sources – is key to you finding uncommon success.

Unfortunately neither of us can predict the future, but we can take steps ahead of time to ensure that if something happens with one of our revenue streams (aka products or services or communities we have to offer), that we don’t have to close the doors due to lack of revenue.

This essentially means going back to “pinpointing your avatar’s biggest struggle” and doing it again.

You’ve proven and crafted at least one solution that’s solving one of your avatar’s biggest struggles, but what other opportunities do you have to create another solution?

Increase Your Traffic

The most common online marketing strategy to increase your traffic – or at least the one people tend to “go to” first – is paid advertising.

I’m not a fan of paid advertising.

That’s not to say you shouldn’t try it or that it won’t work for you, but I’m living proof it’s not required to grow and scale your business.

In my experience, building relationships is everything, and the power of collaboration cannot be understated on your journey.

That’s how I’ve increased my traffic: through building real relationships that turn into awesome collaborations and partnerships.

Just take Entrepreneurs On Fire the podcast as one example.

I couldn’t have grown my listenership to what it was even 3 months post launch on my own. I had the help of Apple Podcasts (then iTunes) to promote my podcast. I chose my platform, leveraged the real estate Apple was offering, and it moved the needle in a big way for me when it came to getting the word out about my show.

Well, Apple isn’t what it used to be, and I know that you can’t rely solely on a platform to help you increase your traffic (although YouTube and Amazon are both awesome examples of platforms that can help you get in front of a lot of people quickly.)

In any case, in addition to leveraging Apples platform, I also took the time to build meaningful relationships with each of my guests.

Every day I had a new episode going live – a new conversation with a successful and inspiring entrepreneur who I got to chat with for 30 minutes. I got to know more about them, their business, and I was happy to share their story on my platform.

Reciprocity is real. What happened when I asked them to share their episode with their audience?

They said yes, and boy did they share!

So much so that my guests sharing their episode with their audience was one of my biggest traffic drivers.

No paid ads. No sketchy tactics. Just taking the time to build real relationships and provide value.

While the landscape is very different in the podcasting space today than it was back in 2012, one strategy I’m using right now to increase traffic is being a guest on other podcasts in my industry or niche.

Implement Systems and Build a Team

Creating systems in your business and building a team are what will allow you to scale and grow.

If you’re a one-person team and you want to keep it that way, awesome!

Even if you’re not interested in building a team, you should be very interested in building systems to help you work more effectively and save you more time.

Implementing systems is all about figuring out what repeatable tasks you do in your business each week, then finding efficiencies in how you perform those tasks.

Efficiencies might include automation, delegation or batching.

Because we LOVE our systems here at Entrepreneurs On Fire, we’ve got an entire guide for how to build systems in your business (plus, I dive into detail in The Common Path to Uncommon Success ).

Building systems takes time, and it’s not typically the sexiest part of your business.

But you know what is sexy about systems? They allow you to create financial, location and lifestyle freedom.

And when it comes to building a team, well that’s also one step at a time.

After figuring out what repeatable tasks you do in your business each week, you should have a pretty solid idea of what types of things you want to delegate. Looking at your list of everything you manage in your business, what would you love to take off your plate?

Allow the tasks that are necessary – but that you’d love to take off your plate – guide your job description and post.

In addition to the details I dive into in The Common Path to Uncommon Success, we’ve also got a load of team building resources for you, too!

Create Affiliate Partnerships

You will certainly learn from your audience over time that there are pain points, struggles, and roadblocks they’re currently facing that you don’t have the solution for.

And in a lot of cases, you’ll also learn that you either don’t want to create the solution, or the solution is outside of your Zone of Fire.

This is where affiliate partnerships come into play.

When you identify a pain point, struggle, or roadblock that multiple people in your audience are currently facing, one way to still provide value and the solution without creating it yourself is to find someone else who has creating the solution.

Then, reach out to that business or individual and ask if they’d be interested in an affiliate partnership. Once you’re set up, you can recommend the solution they’ve created to your audience – and make money for doing it.

We’ve created a completely separate income stream for our business based solely off of our affiliate partnerships.

So when our audience comes to us asking for the best website host, or the best platform to build their online course on, or how we go about building funnels in our business, we have a solution to share: someone else’s product or service that we’ve set up an affiliate partnership with.

That means when we share our recommendation, we get paid if someone ends up joining.

• Best website host: Bluehost
• Best platform to build an online course: Thinkific
• How we go about building funnels in our business: ClickFunnels

These are just a few of the examples – the sky is the limit.

But always remember, it’s your responsibility as a business owner and the person recommending a product, service, or community to confirm that it meets your standards, and that you’re willing to put your personal stamp of approval on it.

For us, we only recommend products, services, or communities that we’ve tried ourselves, that we currently use ourselves, or that are created by individuals or businesses who we know, like, and trust.

Keep the Money You Make

Dave Ramsey says, “You must gain control over your money or the lack of it will forever control you.”

Near the beginning of this chapter in The Common Path to Uncommon Success I write, “When you are living paycheck to paycheck, there’s a stress that will always be present. The first accident, blip in the economy, or unforeseen expense could cause the house of cards to topple. It feels like disaster is right around the corner, and it is.”

It’s easy to spend money. And in some cases, it can actually be easy to make money.

What’s not easy is actually finding a way to keep the money you make.

You must keep your finger on the pulse at all times. Know your numbers.

Know your profit margin.

Know your ad spend and the ROI it brings with each new launch.

Know how much time you’re spending on every project you commit to, and ask yourself “Is this worth my time?”

“There is a gigantic difference between earning a great deal of money and being rich.” – Marlene Dietrich

That’s the truth.

So what is true wealth to you?

Financial freedom?

Time freedom?

Location independence?

Lifestyle freedom?

All of the above?

Your Journey to Financial Freedom and Fulfillment

I’ve just shared a solid 17-step roadmap you can follow that will lead you to financial freedom and fulfillment, and the best part is, you can get started right now.

If you’re willing to commit to doing the work, then I’m excited to hear about your journey towards uncommon success.

Fire Nation Newsletter

Can I send you emails with helpful info about products and resources? If you click 'Yes' below, you're giving me express consent to send these types of emails - yay! You can opt-out anytime.

• THE AUTHORS
• ABOUT THE PATH
• SCHEDULE A CALL

Success without fulfillment is the ultimate failure! Financial freedom is not only about money—it’s about feeling deeply fulfilled in your own personal journey.

– Peter Mallouk

Regardless of stage of your life and your current financial picture, the quest for financial freedom can indeed be conquered.

Barron’s magazine named Peter the #1 Independent Financial Advisor in America three straight years (2013, 2014, and 2015).

Please see Creative Planning’s important disclosure information .

“My goal in this book is to share my experiences with you and help eliminate the complexities you face in creating your own path.”

— Peter Mallouk

TO FINANCIAL

“I look forward to being your guide, helping you to articulate your financial goals, avoid dangerous mistakes, and maximize the opportunities available to you along the journey.”

“Success without fulfillment is the ultimate failure. Financial freedom is not only about money – it’s about feeling deeply fulfilled in your personal journey.”

CREATE CERTAINTY

“Human progress is an unstoppable force: our future is not linear; it’s exponential.”

“The road to financial freedom is long. It begins with your first job – yes, that job as a summer lifeguard counts – and ends with the financial legacy you’re able to pass on to your descendants.”

FINANCIAL PLAN

“It’s my opinion, and the opinion of many experts, that humanity’s best days are ahead of us. As we have already seen in this chapter, humanity is certainly trending upward. It is also why this could potentially be one of the best times in history to be an investor.”

HOW DO YOU KNOW IF YOUR INVESTMENTS ARE ON TRACK?

Peter Mallouk is the owner and CEO of Creative Planning. The firm provides comprehensive wealth management services, including investment management, financial planning, charitable planning, retirement plan consulting, tax planning, and estate planning services. Focusing on clients with investable assets of at least $50,000, Creative Planning currently manages $90 billion as of June 30, 2021 for clients in all 50 states and abroad.

Creative Planning was named the #1 Independent Wealth Management Firm in America by Barron’s (2017). Barron’s magazine named Peter the #1 Independent Financial Advisor in America three straight years (2013, 2014 and 2015). CNBC named Creative Planning the #1 Independent Wealth Management Firm in the United States on the only rankings the network ever released (2014-2015).

“AS WE WILL LEARN, SELECTING THE RIGHT ADVISOR CAN MEAN THE DIFFERENCE BETWEEN REACHING THE SUMMIT OR WANDERING AIMLESSLY AROUND THE BASE CAMP.”

– Peter Mallouk J.D., MBA

35 episodes

Welcome to Freelancing Your Way to Financial Freedom, the podcast that empowers women and moms to take control of their financial futures. Join Megan as she guides you through the journey of building both personal and business foundations. Whether you're seeking to supplement your income, transition away from the 9-5 grind, or achieve financial freedom, this podcast provides practical advice, inspiring stories, and actionable strategies to help you thrive in the world of freelancing. Get ready to unlock the doors to financial security and step into a brighter future filled with possibilities. Connect with Megan: Follow on Instagram - @meganmendez__ Website - meganmendez.com Email - [email protected]

Freelancing Your Way to Financial Freedom Megan Mendez

• 4.0 • 6 Ratings
• MAY 13, 2024

32. What Does Financial Freedom Actually Mean and How Can You Get There?

In this episode I highlight the importance of defining financial freedom on your own terms and offer guidance on leveraging freelancing as a pathway to achieving it. By sharing practical tips, personal anecdotes, and encouragement, I hope to empower you to pursue your vision of financial independence through freelancing. Because let’s face it…the benefits of flexibility, control, and goal setting in this career path are worth it! I will provide you with thought-provoking questions for you to consider as you define what financial freedom means to you. In this episode I share:What is financial freedom?Reflecting on financial freedom goalsDeveloping a plan for financial freedomLeveraging freelancing for financial freedomImpact of freelancing on financial situation Visit the Show Notes:32. What Does Financial Freedom Actually Mean and How Can You Get There? Resources:Ditch the 9-5 and Go Debt-FreeFree Budget TemplateFree Training: How to Start Your Freelancing Business to go Debt-FreePassion to Profit and On to Debt-Free Workbook Connect with Megan:Follow on Instagram @meganmendez__Website - meganmendez.comEmail - [email protected] - pinterest.com/meganmendez__/

• MAY 6, 2024

Welcome to Freelancing Your Way to Financial Freedom

Welcome to Freelancing Your Way to Financial Freedom, the podcast that's changing lives one freelance gig at a time. Hey friends, I'm Megan, your host, and I'm so excited to welcome you to our community of women and moms on a mission to achieve financial freedom.  Whether you're juggling parenthood, seeking to escape the confines of a traditional job, or dreaming of building your business empire, this podcast is for you.  In this podcast, you'll hear about how to build personal and business foundations. I'll help you manage the application of your business so that you can achieve financial security, leave the classroom and get out of debt. If that's what you want. It is my goal to see every mom and business owner achieve their definition of true financial freedom in their life. Because let's be honest, it really does look different for everyone. And that is okay.  You will walk away from this podcast, learning more about freelancing, how to leverage your freelancing income in your finances, and how to use this business to become financially free. If you're ready to get started, let's get started.

• APR 22, 2024

31. Finding Fulfillment in Business and Life with Cassandra Rosa

In this episode of The Debt-Free CEO Podcast, I chat with Cassandra Rosa, a certified coach, healer, and intuitive business coach. Cassandra shares her journey from feeling unfulfilled in a traditional career to finding her passion in the personal development world. She discusses the financial challenges she faced when starting her business and how she overcame them by tapping into her intuitive guidance system. Cassandra also delves into her approach to helping clients find fulfillment in their lives and businesses, emphasizing the importance of clarity, mindset, and celebrating small wins.  In this episode I share:Transition from traditional schooling to the personal development worldFinancial challenges in businessThe importance of finding a balance in financial decision-makingHelping clients achieve fulfillment in businessTechniques for seeking clarity in business decisions Visit the Show Notes:31. Finding Fulfillment in Business and Life with Cassandra Rosa Resources:Ditch the 9-5 and Go Debt-FreeFree Budget TemplateFree Training: How to Start Your Freelancing Business to go Debt-FreePassion to Profit and On to Debt-Free Workbook Connect with Cassandra: Instagram - @cassandrarosaaWebsite - cassandrarosa.comPodcast - The Fulfilled Female EntrepreneurBook - Now What? Create the Clarity to Achieve Your Dreams Connect with Megan:Instagram - @thedebtfreeceoWebsite - meganmendez.comJoin The Debt-Free CEO FB Community - The Debt-Free CEO CommunityEmail - [email protected] - pinterest.com/meganmendez__/

• APR 8, 2024

30. The Power of Budgeting As a Business Owner with Melissa from Not Another VA

In this episode of the Debt-Free CEO Podcast, Melissa, the founder of Not Another VA, discusses her journey from a history teacher to a successful virtual assistant business owner specializing in email marketing. She shares insights on managing finances, transitioning to full-time entrepreneurship, and the importance of budgeting. Melissa highlights budgeting strategies for personal and business expenses, investing in education accounts, and achieving financial goals. She emphasizes the benefits of early budgeting to reduce financial stress, strengthen relationships, and secure a better financial future. In this episode we share:Transitioning from Overspending to BudgetingImplementing Budgeting in BusinessUsing Unexpected Money WiselyAdvice on Setting Goals and Budgeting Visit the Show Notes:30. The Power of Budgeting As a Business Owner with Melissa from Not Another VA Resources:Ditch the 9-5 and Go Debt-FreeFree Budget TemplateFree Training: How to Start Your Freelancing Business to go Debt-FreePassion to Profit and On to Debt-Free Workbook Connect with Melissa:Instagram - @notanothervaWebsite - notanothervirtualassistant.comYNAB budgeting app Connect with Megan:Follow on Instagram @thedebtfreeceoWebsite - meganmendez.comJoin The Debt-Free CEO FB Community - The Debt-Free CEO CommunityEmail - [email protected] - pinterest.com/meganmendez__/

• MAR 25, 2024

29. How to Quarterly Plan Your Finances

In this episode, I dive into the importance of quarterly planning for both your business and personal finances. The significance of understanding your numbers helps you make informed decisions and achieve your financial goals. From calculating profit percentages to projecting future earnings, I provide valuable insights and actionable steps to empower you in managing your finances effectively. Tune in as I share practical tips and encourage you to take control of their financial well-being.  In this episode I share:The concept of quarterly financial planning for both personal and business financesThe value of mapping out 12 weeks to achieve what could be done in 12 monthsThe significance of knowing where money is being spent and how much is coming inThe benefits of planning for future business and personal expensesInsight into profit percentage and its significance in financial planning and goal setting Visit the Show Notes:29. How to Quarterly Plan Your Finances  Related Episodes:21. Reflecting on 2023: Lessons Learned and How to Plan for 2024 The 12 Week Year by Brian Moran Resources:Ditch the 9-5 and Go Debt-FreeFree Budget TemplateFree Training: How to Start Your Freelancing Business to go Debt-FreePassion to Profit and On to Debt-Free Workbook Connect with Megan:Follow on Instagram @thedebtfreeceoWebsite - meganmendez.comJoin The Debt-Free CEO FB Community - The Debt-Free CEO CommunityEmail - [email protected] - pinterest.com/meganmendez__/

• MAR 11, 2024

28. Achieving Financial Stability through Multiple Income Streams with Jamie Rohrbaugh

Welcome back to The Debt-Free CEO Podcast. In this episode, we're joined by the incredible Jamie Rohrbaugh, a corporate leader, entrepreneur, and multi-passionate woman who truly embodies the principles we celebrate here on the show. Jamie is not just an accounting analyst for a global company; she's a wellness consultant, co-founder of a networking organization, and a talented social media content creator and graphic designer. She joins us to discuss her journey from a negative bank account to paying for college in cash, building a house, and creating a diverse portfolio of multiple income streams that have allowed her to live debt-free. In this episode we share:Jamie's starting point with a negative bank account and self-funding collegeemergency expenses and strategies for paying off debtLeveraging Multiple Income StreamsFinancial Management and InvestmentsJamie's belief in the necessity of balancing work with personal passionsThe importance of being proactive rather than waiting for a perfect time to secure one's financial future Visit the Show Notes:28. Achieving Financial Stability through Multiple Income Streams with Jamie Rohrbaugh Resources:Ditch the 9-5 and Go Debt-FreeFree Budget TemplateFree Training: How to Start Your Freelancing Business to go Debt-FreePassion to Profit and On to Debt-Free Workbook Connect with Jamie: Follow on Instagram @jamrohr93 Connect with Megan:Follow on Instagram @thedebtfreeceoWebsite - meganmendez.comJoin The Debt-Free CEO FB Community - The Debt-Free CEO CommunityEmail - [email protected] - pinterest.com/meganmendez__/

• © Copyright 2024 Megan Mendez

Customer Reviews

Megan provides such a wealth of knowledge and information when it comes to saving money and going debt-free. Each episode provides tips and advice on how to best go about tackling your finances and debt!!

Holy husband

Entire first episode is just rambling. Could get seriously drunk taking a shot every time she brings up “my husband.”

Digestible and valuable

Megan has done the work, studied up, and has LIVED EXPERIENCES to share in the realm of financial success and independence. When listening to her speak and provide tips and tricks regarding finances, you KNOW that she is a master of her craft. As someone who’s always been very overwhelmed with money (and frankly avoided anything relating to the health of my own finances out of straight fear), she has made tackling debt and finding financial freedom so much more approachable. I cannot wait to see how this podcast grows and what other nuggets of wisdom she'll be providing. highly recomment!

Top Podcasts In Business

You might also like.

• Business & Money
• Introduction

Free title with your free trial! P.when("A", "a-expander", "ready").execute(function(A, expander) { A.on("a:accordion:buybox-accordion:select", function(data) { // Change active accordion pricing to APEX pricing A.$("#buyBoxAccordion").find(".accordion-header div#adbl_bb_price") .removeClass("adbl_bb_price_show").addClass("adbl_bb_price_hide"); A.$(data.selectedRow.$row).find(".accordion-header div#adbl_bb_price") .removeClass("adbl_bb_price_hide").addClass("adbl_bb_price_show"); //initialize accordion expander expander.initializeExpanders(); }); }); /* Display price in a table block so it does not overflow, ref: https://t.corp.amazon.com/D76383263 */ #adbl_bb_price { display: table; } /* APEX Pricing for Mobile & MobileApp */ .adbl_bb_price_show .adbl_bb_savings_percent { color: #CC0C39; font-size: 36px; font-weight: 300; } .adbl_bb_price_hide .adbl_bb_savings_percent { color: #CC0C39; font-size: 24px; font-weight: 300; } .adbl_bb_pay_price { font-weight: 400; } .adbl_bb_price_show .a-price-whole { font-size: 38px; } .adbl_bb_price_hide .a-price-whole { font-size: 24px; } .adbl_bb_price_show .a-price-symbol, .adbl_bb_price_show .a-price-fraction { display: table-caption; font-size: 15px !important; line-height: 26px; } .adbl_bb_price_hide .a-price-symbol, .adbl_bb_price_hide .a-price-fraction { display: table-caption; font-size: 13px !important; line-height: 10px; } #mobile_buybox .adbl_bb_price_show .a-price-symbol, #mobile_buybox .adbl_bb_price_show .a-price-fraction { display: inline-block !important; top: -15px !important; } #mobile_buybox .adbl_bb_price_hide .a-price-symbol, #mobile_buybox .adbl_bb_price_hide .a-price-fraction { display: inline-block !important; } #mobileapp_buybox .adbl_bb_price_show .a-price-symbol, #mobileapp_buybox .adbl_bb_price_show .a-price-fraction { display: inline-block !important; top: -15px !important; } #mobileapp_buybox .adbl_bb_price_hide .a-price-symbol, #mobileapp_buybox .adbl_bb_price_hide .a-price-fraction { display: inline-block !important; } /* APEX Pricing for Desktop */ #desktop_buybox .adbl_bb_price_show .adbl_bb_savings_percent { color: #CC0C39; font-size: 24px; font-weight: 300; } #desktop_buybox .adbl_bb_price_hide .adbl_bb_savings_percent { color: #CC0C39; font-size: 21px; font-weight: 300; } #desktop_buybox .adbl_bb_pay_price { font-weight: 400; } #desktop_buybox .adbl_bb_price_show .a-price-whole { font-size: 28px; } #desktop_buybox .adbl_bb_price_hide .a-price-whole { font-size: 21px; } #desktop_buybox .adbl_bb_price_show .a-price-symbol, #desktop_buybox .adbl_bb_price_show .a-price-fraction { display: inline-block; font-size: 13px !important; line-height: 16px; top:-10px !important; } #desktop_buybox .adbl_bb_price_hide .a-price-symbol, #desktop_buybox .adbl_bb_price_hide .a-price-fraction { display: inline-block; font-size: 12px !important; line-height: 9px; } $0.00 $ 0 . 00

• Click above to get a preview of our newest plan - unlimited listening to select audiobooks, Audible Originals, and podcasts.
• You will get an email reminder before your trial ends.
• $7.95 $7.95 a month after 30 days. Cancel online anytime.

Buy P.when("A", "a-expander", "ready").execute(function(A, expander) { A.on("a:accordion:buybox-accordion:select", function(data) { // Change active accordion pricing to APEX pricing A.$("#buyBoxAccordion").find(".accordion-header div#adbl_bb_price") .removeClass("adbl_bb_price_show").addClass("adbl_bb_price_hide"); A.$(data.selectedRow.$row).find(".accordion-header div#adbl_bb_price") .removeClass("adbl_bb_price_hide").addClass("adbl_bb_price_show"); //initialize accordion expander expander.initializeExpanders(); }); }); /* Display price in a table block so it does not overflow, ref: https://t.corp.amazon.com/D76383263 */ #adbl_bb_price { display: table; } /* APEX Pricing for Mobile & MobileApp */ .adbl_bb_price_show .adbl_bb_savings_percent { color: #CC0C39; font-size: 36px; font-weight: 300; } .adbl_bb_price_hide .adbl_bb_savings_percent { color: #CC0C39; font-size: 24px; font-weight: 300; } .adbl_bb_pay_price { font-weight: 400; } .adbl_bb_price_show .a-price-whole { font-size: 38px; } .adbl_bb_price_hide .a-price-whole { font-size: 24px; } .adbl_bb_price_show .a-price-symbol, .adbl_bb_price_show .a-price-fraction { display: table-caption; font-size: 15px !important; line-height: 26px; } .adbl_bb_price_hide .a-price-symbol, .adbl_bb_price_hide .a-price-fraction { display: table-caption; font-size: 13px !important; line-height: 10px; } #mobile_buybox .adbl_bb_price_show .a-price-symbol, #mobile_buybox .adbl_bb_price_show .a-price-fraction { display: inline-block !important; top: -15px !important; } #mobile_buybox .adbl_bb_price_hide .a-price-symbol, #mobile_buybox .adbl_bb_price_hide .a-price-fraction { display: inline-block !important; } #mobileapp_buybox .adbl_bb_price_show .a-price-symbol, #mobileapp_buybox .adbl_bb_price_show .a-price-fraction { display: inline-block !important; top: -15px !important; } #mobileapp_buybox .adbl_bb_price_hide .a-price-symbol, #mobileapp_buybox .adbl_bb_price_hide .a-price-fraction { display: inline-block !important; } /* APEX Pricing for Desktop */ #desktop_buybox .adbl_bb_price_show .adbl_bb_savings_percent { color: #CC0C39; font-size: 24px; font-weight: 300; } #desktop_buybox .adbl_bb_price_hide .adbl_bb_savings_percent { color: #CC0C39; font-size: 21px; font-weight: 300; } #desktop_buybox .adbl_bb_pay_price { font-weight: 400; } #desktop_buybox .adbl_bb_price_show .a-price-whole { font-size: 28px; } #desktop_buybox .adbl_bb_price_hide .a-price-whole { font-size: 21px; } #desktop_buybox .adbl_bb_price_show .a-price-symbol, #desktop_buybox .adbl_bb_price_show .a-price-fraction { display: inline-block; font-size: 13px !important; line-height: 16px; top:-10px !important; } #desktop_buybox .adbl_bb_price_hide .a-price-symbol, #desktop_buybox .adbl_bb_price_hide .a-price-fraction { display: inline-block; font-size: 12px !important; line-height: 9px; } -13% $15.04 $ 15 . 04

The path: accelerating your journey to financial freedom audible audiobook – unabridged.

Regardless of your stage of life and your current financial picture, the quest for financial freedom can indeed be conquered. The journey will demand the right tools and strategies along with the mindset of money mastery. With decades of collective wisdom and hands-on experience, your guides for this expedition are Peter Mallouk, the only man in history to be ranked the number one financial advisor in the US for three consecutive years by Barron's (2013, 2014, 2015), and Tony Robbins, the world-renowned life and business strategist. Mallouk and Robbins take the seemingly daunting goal of financial freedom and simplify it into a step-by-step process that anyone can achieve.

This book is filled with real-life success stories and vital lessons, such as: why the future is better than you think and why there is no greater time in history to be an investor; how to chart your personally tailored course for financial security; how markets behave and how to achieve peace of mind during volatility; what the financial services industry doesn't want you to know; how to select a financial advisor that puts your interests first; how to navigate, select, or reject the many types of investments available; and success without fulfillment is the ultimate failure! Financial freedom is not only about money - it's about feeling deeply fulfilled in your own personal journey.

• Listening Length 6 hours and 37 minutes
• Author Peter Mallouk, see all
• Narrator Peter Mallouk, see all
• Audible release date October 13, 2020
• Language English
• Publisher Gildan Media, LLC
• ASIN B08HDMZSMG
• Version Unabridged
• Program Type Audiobook
• See all details

Read & Listen

People who viewed this also viewed.

People who bought this also bought

Related to this topic

Product details

Customer reviews.

Customer Reviews, including Product Star Ratings help customers to learn more about the product and decide whether it is the right product for them.

To calculate the overall star rating and percentage breakdown by star, we don’t use a simple average. Instead, our system considers things like how recent a review is and if the reviewer bought the item on Amazon. It also analyzed reviews to verify trustworthiness.

Reviews with images

• Sort reviews by Top reviews Most recent Top reviews

Top reviews from the United States

There was a problem filtering reviews right now. please try again later..

Top reviews from other countries

• Amazon Newsletter
• About Amazon
• Accessibility
• Sustainability
• Press Center
• Investor Relations
• Amazon Devices
• Amazon Science
• Sell on Amazon
• Sell apps on Amazon
• Supply to Amazon
• Protect & Build Your Brand
• Become an Affiliate
• Become a Delivery Driver
• Start a Package Delivery Business
• Advertise Your Products
• Self-Publish with Us
• Become an Amazon Hub Partner
• › See More Ways to Make Money
• Amazon Visa
• Amazon Store Card
• Amazon Secured Card
• Amazon Business Card
• Shop with Points
• Credit Card Marketplace
• Reload Your Balance
• Amazon Currency Converter
• Your Account
• Your Orders
• Shipping Rates & Policies
• Amazon Prime
• Returns & Replacements
• Manage Your Content and Devices
• Recalls and Product Safety Alerts
• Conditions of Use
• Privacy Notice
• Consumer Health Data Privacy Disclosure
• Your Ads Privacy Choices