100 Steps to Financial Independence

After implementing each step myself and making tweaks where needed, what started as a personal project became something bigger. The more I spoke to people about this topic, the more I realized there was a real demand for a handbook to achieving financial independence, and I decided to turn what I learned into a book available to a wider audience.

Since that roadmap I was looking for didn’t exist, I decided to distill those steps from all the information available and put them together myself, to form my own guide to understanding personal finance. That project slowly morphed into 100 Steps to Financial Independence.

there was no book that was a clear blueprint of where to start, what action to take, and what route to follow to get me started on that journey to financial literacy. Thousands of books have been written about money and finances, yet I couldn’t find a single one that explained all the basic concepts and turned it into a practical course, a step-by-step guide that would take me by the hand and walk me through my own finances. T

The moment I realized I was too old (i.e., a “real” adult) not to understand these things, I knew it was time to secure a good understanding of personal finance. I

Paying off debt or our mortgage as fast as possible seemed an impossibly illogical decision. As far as inflation, I had heard of it many times, but how it was even remotely connected to interest rates, I had no idea.

I had never heard of the seven income streams and knew nothing about how much I was paying in taxes.

By the time I started to take an interest in personal finance, a few years after the financial crisis, I had no clue as to why I had life insurance, what my retirement account provision would look like, and what assets or bonds were.

We have since bought a house, gotten married, and set up our own language school, all of which involve serious financial commitment and responsibility.

When it is obvious that the goals cannot be reached, don’t adjust the goals, adjust the action steps.

—CONFUCIUS

When it is obvious that the goals cannot be reached, don’t adjust the goals, adjust the action steps.
—CONFUCIUS