Set for Life: An All-Out Approach to Early Financial Freedom

Benefits are nothing, nothing, in comparison to the opportunity to scale and to bet on yourself. Benefits are one piece of the puzzle when selecting a job. Understand their purpose. Their purpose is to attract you to the job and keep you satisfied enough to stay as long as you are needed.

Play a game with your career that offers the possibility of a win for you. Just be ready (mentally and financially) to accept that with a chance to win, you may also have a chance to lose—earning little to nothing despite your best efforts.

Few can save significant portions of their earned income when 30 percent or more of their salary goes to their mortgage payment. These people will have large monthly upkeep expenses and a shorter financial runway thanks to their “lovely” homes. Don’t do this to yourself. Wait until you are well on your way or have arrived at early financial freedom

Don’t shy away from monthly cash flows that take a little bit of effort to maintain; instead, view them as exceptionally high-wage jobs that require a small amount of periodic effort.

Compute the value of your time, and use it as a tool in determining what makes sense to do yourself, and what makes sense to outsource.

Travel rewards programs often involve signing up for a new credit card and spending above a certain threshold to obtain tens of thousands of credit card or airline points. While it’s never a good idea to spend frivolously to obtain credit card signing bonuses, timing spending that will occur anyway with new credit card promotions can be an effectiv

infinitely. Warren Buffet was worth $124 billion in 2022. Average Joe (or, in this case, “Median” Joe) is worth about $122,000. And Average Joe is slowing down; Buffet is accelerating. That’s the issue we are concerned with. But is it unfair?

Do not save money for the sake of saving money. Save money to invest it, and generate cash flow and appreciation.

Don’t be that brilliant young professional who contributes greatly to an organization yet buys themselves into a lifestyle where they are incapable of pursuing any dreams beyond those of the next rung on the corporate ladder. Don’t become dependent on a standardized career track with predictable earning increases. Don’t wake up in five years and re