Katie

It's never too late, right? to pick a different path to start over. And that was partially why the dedication to the book is what it is, because I think it was that sort of force saying, you're not a money person, right? You're not qualified to have opinions about this. You shouldn't be talking about budgeting on the internet to just be like, oh, actually, yeah, I didn't study that before.

It's never too late, right? to pick a different path to start over. And that was partially why the dedication to the book is what it is, because I think it was that sort of force saying, you're not a money person, right? You're not qualified to have opinions about this. You shouldn't be talking about budgeting on the internet to just be like, oh, actually, yeah, I didn't study that before.

It's never too late, right? to pick a different path to start over. And that was partially why the dedication to the book is what it is, because I think it was that sort of force saying, you're not a money person, right? You're not qualified to have opinions about this. You shouldn't be talking about budgeting on the internet to just be like, oh, actually, yeah, I didn't study that before.

I can study it now. Who cares? You can always make that change.

I can study it now. Who cares? You can always make that change.

I can study it now. Who cares? You can always make that change.

So I spend all of chapter three digging into the 4% rule and understanding how your spending and your income taken together can essentially tell you how long it's going to take for you to reach financial freedom. So why is this important? Because you're probably going to get some outrageous number. It's probably going to be over a million dollars, right? It's important for a few reasons.

So I spend all of chapter three digging into the 4% rule and understanding how your spending and your income taken together can essentially tell you how long it's going to take for you to reach financial freedom. So why is this important? Because you're probably going to get some outrageous number. It's probably going to be over a million dollars, right? It's important for a few reasons.

So I spend all of chapter three digging into the 4% rule and understanding how your spending and your income taken together can essentially tell you how long it's going to take for you to reach financial freedom. So why is this important? Because you're probably going to get some outrageous number. It's probably going to be over a million dollars, right? It's important for a few reasons.

Number one, it really connects the dots between how your lifestyle choices and spending and expenses impact the top of the mountain where you're trying to go. And so what you'll notice if you play around with this is that as you spend less, that number goes down. If you can live on less, if you can really live beneath your means and invest more of your income, you will get there infinitely faster.

Number one, it really connects the dots between how your lifestyle choices and spending and expenses impact the top of the mountain where you're trying to go. And so what you'll notice if you play around with this is that as you spend less, that number goes down. If you can live on less, if you can really live beneath your means and invest more of your income, you will get there infinitely faster.

Number one, it really connects the dots between how your lifestyle choices and spending and expenses impact the top of the mountain where you're trying to go. And so what you'll notice if you play around with this is that as you spend less, that number goes down. If you can live on less, if you can really live beneath your means and invest more of your income, you will get there infinitely faster.

So a really nice example of this and something that I talk about a lot in the book, I have this chart where I show you, depending on the percentage of your income that you're saving, here's how long it will take you to go from zero Zero dollars invested to total financial freedom. Now I really can see what's on the other side of that.

So a really nice example of this and something that I talk about a lot in the book, I have this chart where I show you, depending on the percentage of your income that you're saving, here's how long it will take you to go from zero Zero dollars invested to total financial freedom. Now I really can see what's on the other side of that.

So a really nice example of this and something that I talk about a lot in the book, I have this chart where I show you, depending on the percentage of your income that you're saving, here's how long it will take you to go from zero Zero dollars invested to total financial freedom. Now I really can see what's on the other side of that.

Now it's not just, well, if I don't spend this money, I save it. And then who knows what, who cares? It's, well, if I can save and invest this money, that directly means fewer years of working. And oh, by the way, I can see exactly how many fewer years.

Now it's not just, well, if I don't spend this money, I save it. And then who knows what, who cares? It's, well, if I can save and invest this money, that directly means fewer years of working. And oh, by the way, I can see exactly how many fewer years.

Now it's not just, well, if I don't spend this money, I save it. And then who knows what, who cares? It's, well, if I can save and invest this money, that directly means fewer years of working. And oh, by the way, I can see exactly how many fewer years.

So for me personally, that information was very impactful and it was what enabled me to transition from working in sort of a corporate nine to five setting to entrepreneurship and some variations of self-employment and getting to take more risks with my career because I wasn't dependent on a paycheck.

So for me personally, that information was very impactful and it was what enabled me to transition from working in sort of a corporate nine to five setting to entrepreneurship and some variations of self-employment and getting to take more risks with my career because I wasn't dependent on a paycheck.