Lewis Howes

I'll give you a tactical one.

And that is to invest outside of retirement once you've got your retirement locked in.

So once you're investing 15% into retirement, I love the idea of creating this freedom fund, this bridge account, where let's say you do want to be work optional in your 50s.

You don't have to work until 60 to access those retirement accounts.

And you have the freedom to go, you know what, I'm 50.

The kids are about to head to college.

Let's take some crazy trips.

Let me take a year off.

And so when your boss, you know, starts mouthing off to you again, you go, you know what?

I'm out of here.

I don't need the money.

I'm good.

And so that to me is the path to financial freedom that a lot of people don't think about, that they can invest outside of retirement.

But I have a smart spender framework that I would add.

It's a layer on top of the Ramsey principles.

And it basically is your permission to spend.

And so S is for self-awareness.

Will this really add value to my life?

The M is for motive.

Am I buying this for the right reason?