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

by Jamila Souffrant

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.

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. Her voice resonates with the dynamic and diverse population of everyday people who long to break free from smart-spending rules and money-saving ultimatums that reek of joylessness.

Now, in her first book, Jamila offers her seasoned expertise in Your Journey to Financial Freedom, providing readers with the resources they need to not only save for cake but eat it, too.

Genres: Finance, Nonfiction, Personal Finance, Self Help, Money, Audiobook

346 pages, Kindle Edition

Published December 5, 2023

Reviews

[Cecelia · Rating 3 out of 5]

The author's tone is very uplifting and positive. I definitely felt motivated and inspired to refocus on my goal of early retirement. I think this is a good introductory book, if you're just starting to get serious about your finances. If you've been on the journey for a while, then there isn't much new info shared. Its repetitive, and I think it should've included more info on calculating your FIRE number and making spreadsheets to test different financial scenarios.

[Grace · Rating 4 out of 5]

Engaging finance book with a more approachable take on the FIRE (Financial Independence, Retire Early) movement. This approach is more about Financial Freedom, acknowledging that the sacrifices needed for Financial Independence may not really be worth it for many people, and that moving towards the Financial Freedom to have choices opened up for you is perhaps a more reasonable goal.

[Jung · Rating 5 out of 5]

"Your Journey to Financial Freedom: A Step-By-Step Guide to Achieving Wealth and Happiness" by Jamila Souffrant is your ultimate roadmap to financial independence, guiding you through the intricate steps needed to attain wealth and happiness.

The book begins by distinguishing between financial independence (FI) and financial freedom, emphasizing that FI is when your assets pay for your lifestyle, freeing you from the necessity of working for a living. Financial freedom, on the other hand, allows you to have control over your cash flow and make choices without financial stress. As you progress towards FI, you'll experience increasing levels of financial freedom. Souffrant breaks down the journey to financial independence into five stages:

1. Explorer: At this stage, you're struggling with debt and need to get your income and expenses under control.
2. Cadet: You're focusing on eliminating consumer debt and smashing it faster than the minimum payment schedule.
3. Aviator: Debt-free, you start building emergency savings and investing in assets while still maintaining a disciplined approach to spending.
4. Commander: Your assets generate enough income to allow you to work less or pursue activities you love with less pay.
5. Captain: Congratulations, you've reached full financial independence, and your job now is to maintain your wealth and live your ideal lifestyle without financial constraints.

To progress through these stages, Souffrant emphasizes the importance of focusing on six key areas: mindset, habits, income, expenses, liabilities, and assets. By optimizing these areas, you can create a financial plan tailored to your goals and lifestyle.

The book then lays out the groundwork for creating your FI plan, highlighting the significance of mindset and habits in addition to financial goals. Souffrant encourages readers to examine their beliefs about money and cultivate positive financial habits to support their journey.

Goal-setting is another crucial aspect of the FI plan, encompassing both life goals and financial goals. Readers are encouraged to envision their desired lifestyle and set specific monetary objectives to achieve financial independence.

With the groundwork laid, Souffrant guides readers through mapping out their FI plan by analyzing their current financial situation, setting financial goals, and creating a budget aligned with their priorities. Tools like the 25x Rule and the 4% Rule provide guidelines for estimating the size of your investment portfolio needed for financial independence.

Finally, the book emphasizes the importance of executing your FI plan by focusing on spending less, earning more, slashing debts, and building assets. Souffrant provides practical strategies for managing expenses, increasing income, paying off debts, and investing wisely to accelerate your journey to financial independence.

Overall, "Your Journey to Financial Freedom" offers a comprehensive and practical guide to achieving wealth and happiness, empowering readers to take control of their financial futures and live life on their own terms.

[Stephanie · Rating 4 out of 5]

There are a lot of books like this but this one happens to be one of the most positive and upbeat ones I’ve found in a long while. It doesn’t guilt you for whatever step in your journey you happened to be on not what age you are when you start or what your goals are either. I found the investing section to be a little weak compared to the other sections but it’s a good, well rounded work.

[January · Rating 5 out of 5]

Your Journey to Financial Freedom: A Step-by-Step Guide to Achieving Wealth and Happiness by Jamila Souffrant
346-page Kindle Ebook

Genre: Self-Help, Budgeting & Money, Personal Finance

Featuring: Table of Contents, Graphics, Definitions, Hyperlinks, Quizzes, Worksheets, Checklists, Mindsets, The What, Why, and How of Financial Independence; Financial Independence Is Within Your Reach, FIRE, Financial Independence vs. Financial Freedom, The Journeyer Stages, Space Launch, The 6 Essential Components to Work on to Reach FI, The FI Formula and How the 6 Components Work Together, Creating Your Enjoyable Financial Independence Plan, Assessing Your Mindset and Habits, Uncovering Your Desired Life Goals and Determining Your Guacamole Level, Setting Financial Goals, Creating Your Financial Independence Plan, Executing Your Plan, Optimizing Expenses, Increasing Income, Paying Down Liabilities, Lies That Keep You In Debt, Increasing Assets, Mindsets That Hinder Investing, Enjoying the Journey, The Importance of Staying Focused and Consistent on the Path to Financial Independence, Appendix, Podcast Episodes Mentioned, References, Index, www.journeytolaunch.com

Rating as a movie: PG

Quotes: "Now, I don’t use a budget day to day, some months I don’t even look. Why do I feel comfortable managing my finances this way? It’s because I’ve found the balance between my current lifestyle goals and long-term financial goals. I’m able to pay off credit card debt every month. My family is on track for our FI goals. I’m okay with my investments."

"Financial Independence (FI) is when you reach a level where the income generated from your investments and assets can pay for your lifestyle expenses without your needing to work. You can still choose to work and bring in money, but if you decided not to ever work again, you’d be okay financially. The key point here is that working is a choice. Financial Freedom means your ability to have options and security with your money. You can experience financial freedom without being financially independent."

"You can be an Explorer living paycheck to paycheck whether you have a low or high income. If your total living expenses are more than your income, you fall into this stage. That said, if you have a higher income and your problem is mainly overspending, getting out of this stage will be relatively easy compared to someone who is earning a lower income that barely covers the most basic living expenses."

"As you move through the Journeyer stages, you gain more flexibility and are able to spend more of your money the way you want. That’s something to look forward to that will help motivate you along the way."

"On the surface, a thought or habit can seem totally unrelated to your finances. But everything you do can impact your money, just as your money impacts everything you do. The way you think about yourself and what’s possible for you ripples out—the same way the lack of a routine or healthy habits will impact you."

"Only you can determine what you truly want from your life, as you make decisions based on what you know now—or what’s best for you at any point in time. With more experience, trial and error, and the tools in this book, I hope to help you determine what your flexible—and enjoyable!—journey to financial independence looks like."

"If you are struggling to swim and keep afloat because of a costly expense, you may want to cut off whatever is weighing you down. Your emotional and mental connection to that expense can keep you holding on to it longer than you need to, which makes it take longer than necessary to reach your destination, or worse, puts you at risk of sinking. Imagine being able to know you can cut that line and circle back for it when you have more strength (are in a better financial position). Some connections and tethers aren’t just emotional and mental connections—they are legit obligations and responsibilities you have to take care of like covering rent or childcare. This is why paying off consumer debt in the Cadet stage is so crucial, as is understanding the difference between your mandatory expenses and discretionary expenses. Having fewer tethers or sandbags in the form of expenses, attached to you while you get out of the earlier Journeyer stages allows you to move forward with less effort and struggle. But you must have the mindset and willingness to release what’s holding you back."

"To see how this looks in the real world, let’s look at the examples of Liz and Jazmine: Liz always goes to bed late and is unable to get up in the morning. She knows she wants to save more money and start investing but doesn’t feel like she has anything left over at the end of the month. She’s always in a rush in the mornings going to work and never has time to make breakfast or pack lunch so she stops and picks up her bagel and coffee for $5 every morning and ends up ordering lunch out with her coworkers and spends $15. She spends about $20 a day on breakfast and lunch which amounts to $400 a month. Jazmine is also in debt and wants to find ways to pay it off faster. Just like Liz, she has had the past habit of waking up late and not having enough time to make her own breakfast or bring lunch. She knows it’s not the best habit so she decides she will try to get a good night’s rest so she can get up with enough time to eat breakfast before she leaves for work and packs her lunch the night before. She intentionally knows what days she will order lunch with her coworkers and leaves room for flexibility in case something comes up. Because she eats breakfast at home and only buys lunch once or twice a week, she spends about $160 a month and is able to put an additional $240 toward her debt payoff goals. Creating the positive habit of going to bed earlier allows you to get up and prep your breakfast and lunch at home. You can consciously decide if you want to eat out or make your own food allowing you to control the way you spend your money."

"For individuals from marginalized groups, particularly Black people who have historically been excluded from opportunities to build wealth such as home ownership, there are both systemic and psychological reasons for our desire to spend money on visible status symbols. In a society where you may feel overlooked and undervalued, showing your value through material and external things has been a way to prove worth and establish status."

"If you surround yourself with people only impressed by material things or things that are contradictory to your goals—e.g., praise for buying a car, expensive items, or liabilities that sparkle—then you will want to continue to get your approval from and look for admiration through those activities. You have to also find people that will cheer for you paying off debt, saving money as loud and as proudly as the other crowd. It will be like you’re living in the world as Clark Kent, looking average, where people may underestimate your abilities, potentially look you over, when in reality you’re Superman fighting and beating the bad guys every night. Finding a supportive community of like-minded individuals can make a significant difference in staying motivated and feeling appreciated."

"Children are as expensive or inexpensive as you want them to be. Of course, there are unavoidable costs that come with raising children, the most costly one being daycare in the early years, but you can be intentional about what matters to you when it comes to spending in the other areas of food, clothes, extracurricular activities, vacations, etc."

My rating: 🌟🌟🌟🌟🌟🤑

My thoughts: 🔖Page 130 of 346 Ch. 8 - I was a bit skeptical, but I'm glad I continued. This information is really helpful, and I like that the goal is to personalize it.

This book is great for people who are debt-free and want details explaining what to do next. Ultimately, it is for people who want a customized journey somewhere between Financial Peace and FIRE movements while enjoying their ideal lifestyle level. She breaks down a lot of steps that other financial books skip over. They'll tell you to evaluate your expenses to make a budget, but Jamila gives you 2 different options to evaluate your expenses and then goes over each one in detail, then she does the same for budgeting while emphasizing that she no longer budgets like she used to. There are different budgeting methods for different financial goals. She also focuses on how everyone responds differently to change and has different comfort levels while taking the same risks. Canceling Starbucks is easy for some and traumatic for others, so it will take them longer to execute it. She repeats this detail for everything, including investing. I don't usually reread these types of books because I'm past the information they offer and/or they don't line up with my goals, but this one is one to be studied. I'll be revisiting this book in the new year with my husband. I'm passing it on to him now.

Recommend to others: Yes. This book is essentially a guide to finding a balance so you can have your cake and eat it too, by enjoying your life while on the road to financial independence, and intentionally deciding if that will be at 35, 65, or somewhere in between.

[Rodion Slabinskyi · Rating 1 out of 5]

получи работу в enterprise in united states и инвестируй в 401к чтобы через 50 лет когда тебе будет похуй «быть богатым», все остальное время живи в экономии — но иногда ты можешь купить подписку на GYM (дословная цитата) , учитывая что эта подписка около 15$ в мес

ху та книга

[Diana Vasquez · Rating 3 out of 5]

If you are new to the financial independence community and saving/ investing then this book could be a good introduction to it. If not, don’t bother there are better books.

Pros:
Speaks to minorities and the reason why we can’t afford to not invest.
Provided reasons and avenues to consider when going on interviews.
Mindset around money ( A very important tool/ discipline)
Limited beliefs.
Review/ analyze how debt was accomplished so you don’t make the same mistakes.
Provide steps to take in the financial independence journey.
Has her own theory regarding “Guacamole” this was the only thing I got out of for the most part.

Cons:
Constantly speaks of tools/ ideas and theories she did not came up with without giving those who did credit for it as an example of this is when she spoke about “You need a Budget” model which talks about giving each dollars a job to do and why this is important.

Also, when she spoke about methods to pay debt. She mentioned the snow method which many know comes from Dave Ramsey not from her. She didn’t mentioned him at all.

We need to give credit to who credit is due.

Lastly, a bit repetitive. She talked about listening to podcast on her way to work a couple of times in different chapters. Like come on we get it. These readers are not 3yrs old and do not require repetition.

[Rosemary Rey · Rating 5 out of 5]

Your Journey to Financial Freedom by Jamila Souffrant is a comprehensive financial advice book for everyone. As someone who learned to write a check and budget from a Spanish-speaking parent who needed help with organizing her bills and writing out checks in English. Learning to save and budget for major expenses was a big thing for me as I was growing up and managing my own household. Your Journey to Financial Freedom can help anyone with money challenges or someone who needs a refresher on how to balance making money with saving, then spending as necessary. There are real-life cases that one can follow based on various goals. This reference book will remain on my shelf for future use.
Thank you to NetGalley, the author, and the publisher for the opportunity to read this book in exchange for an honest review.

[Sarah Cupitt · Rating 4 out of 5]

Most of this was common sense, but obviously, this book would be more beneficial for those who haven't read other finance books before this or explored financial freedom as a topic of interest. Note to self: Return to this later; I am currently in stage 4.

Notes:
- BIG DIFFERENCE: Financial independence, or FI, is when your assets pay for your lifestyle. This means you no longer have to slog away at work forever. Financial freedom, on the other hand, is more about having choices and control over your cash flow – say, being able to splurge on a vacation without freaking out about your bank balance.
- The initial step toward financial independence is understanding its core concept and what is involved in getting there.
- You’re here because you’re dreaming of telling your boss, “I quit,” packing your suitcase, and setting sail for an endless horizon. (lol)
- If you think your paycheck is the only way to earn, think again.
- Does this expense give you joy? Can you get it cheaper? Is it steering you towards your goals?

The 5 stages:
- Pursuing financial independence could take years, even decades.
- Stage 1 is the Explorer. Here, you’re struggling just to keep your head above water, sinking deeper into debt each month. At this stage, you need to get your income and expenses under control.
- Stage 2 is the Cadet. You’ve got your expenses sorted but are still drowning in consumer debt. Focus on smashing that debt faster than the minimum payment schedule.
- Stage 3 is the Aviator. Now debt-free (except maybe a mortgage), you can start building emergency savings and an “FU” fund for those I-wanna-quit-my-job moments. This is also the stage where you shift gears to investing and growing your assets.
- Stage 4 is the Commander. You have enough money from your assets to take time off, work part-time, or do something you love for less pay. You’re still investing, but also enjoying your hard-earned freedom.
- Stage 5 is the Captain. Congratulations – you’ve hit your FI number! Full financial independence. Your job now is maintaining your wealth and living your ideal lifestyle without financial constraints.
- Mindset, habits, income, expenses, liabilities, and assets form your FI formula. First, add mindset and habits, and then multiply them by the difference between your income and mandatory expenses.

[Sidney · Rating 3 out of 5]

This was a judgement-free book and I enjoyed hearing about the author's own FIRE journey. Souffrant breaks down "journeyer levels" and dives deep into how each level should be prioritizing money with quality and tangible steps to take to keep leveling up.

My biggest takeaway was "guac levels". This language breaks down how there are different luxury levels. Level 1 could look like avocado & lime, while level 4 looks like all the mix-ins and the fresh hot chips. Both are "guac" but with the additional cost often comes with additional, high-quality goods. Things like shopping, traveling, cars, groceries, ect can fall into this framework to help us individually recognize that not EVERYTHING needs to be a level 4 and find areas to cut costs and really enjoy and lean into the things that bring us the most joy.

Translating this into a travel framework that really resonated with me
1. Hostels, PB&Js, free activities, and as cheap as possible transportation
2. Hostels, lunches out, museums, and cheap transportation
3. Hotels, dinner out + extra treats, excursions, and nice transportation
4. Private accommodations, high-quality meals out, and first class

[Colleen · Rating 4 out of 5]

It's not a bad book by any means, but based on the podcast content, I expected something a bit more advanced. Instead, the majority of the book is essentially what every other personal finance book out there says: "Make a budget, and don't spend money you don't have." As one of the nerdy girls who's been interested in personal finance since my teenage years (i.e. spent Saturday nights watching Suze Orman approve/deny people... IYKYK), I'm in pretty good shape when it comes to the basics. I need to better understand things like the Roth IRA ladder (which is mentioned once toward the end of the book but not really explained) and the fact that mutual funds outside of your own brokerage carry transaction fees while ETFs trade free (something I learned just today from Instagram). I understand why the book is at a 101 level: Most folks are struggling to get out of debt/just keep up with bills, which means that a book for that audience will sell. But if that's not you, this book may not be all that helpful.

[Mir Shahzad · Rating 4 out of 5]

Summary:

Financial independence is absolutely attainable if you put in consistent effort over time. It's not an overnight process, but rather a journey with five stages you can progress through with a diligent focus on six key areas: mindset, habits, income, expenses, liabilities, and assets. 

Ultimately, financial freedom means living life on your own terms. Imagine what that looks like for you, and keep that vision in your mind’s eye as you slog through the spreadsheets and budgets. And, hey – it doesn't have to be all delayed gratification, either! This whole process is meant to bring more balance and joy to your life right now. 

While things may seem overwhelming now, know that your path to FI is yours to choose. Go as extreme or as balanced as you’d like. As long as you’re moving forward, you’re on the right track. Before you know it, you’ll reach that final Captain stage and really be living your best life. The journey to get there will change you just as much as hitting your end goal will.

[Maxine Blackwood · Rating 5 out of 5]

Financial independence is absolutely attainable if you put in consistent effort over time. It's not an overnight process, but rather a journey with five stages you can progress through with a diligent focus on six key areas: mindset, habits, income, expenses, liabilities, and assets. 

Ultimately, financial freedom means living life on your own terms. Imagine what that looks like for you, and keep that vision in your mind’s eye as you slog through the spreadsheets and budgets. And, hey – it doesn't have to be all delayed gratification, either! This whole process is meant to bring more balance and joy to your life right now. 

While things may seem overwhelming now, know that your path to FI is yours to choose. Go as extreme or as balanced as you’d like. As long as you’re moving forward, you’re on the right track. Before you know it, you’ll reach that final Captain stage and really be living your best life. The journey to get there will change you just as much as hitting your end goal will.

[Cori · Rating 2 out of 5]

The author is good at empathizing and she takes a welcome, level headed approach (for that reason, a great alternative to someone like Dave Ramsey). My low rating was because:

- she over-explains and after a while, it’s extremely tedious to read
- a lot of the word count is just exploring the conundrums that you already know, rather than spending more time on concrete solutions, she’s constantly going on about the problem
- the book lacks practical strategies for some very basic things; for those of us who are already on a financial journey and know the basics, there are no creative tips or practical things to try in terms of saving money, increasing income, paying debt, decreasing expenses
- her corny analogies (space, guacamole) feel childish and strange in a financial context

I’d only semi-recommend this book to someone who has very little financial literacy and is looking for a compassionate alternative to the Dave Ramseys of the world. For everyone else, not particularly worth it.

[Jennee Schansberg · Rating 5 out of 5]

After Dan and I both got new jobs and we stopped having to pay for day care (yay kindergarten!) I decided 2024 would be our year to get our financial $h!t together. I started listening to Jamila’s journey to launch podcast and instantly felt seen and heard as a mom and woman looking to get us on track. I’ve dabbled with the FI movement in the past and there were many aspects of the loud voices in the space that just didn’t sit right with me. Jamila is not that and this book is the perfect encapsulation of her work- she gives you the tools but is also realistic- life happens and sometimes you just really want the guac! That doesn’t mean you’re a failure or bad person (really appreciate how her coaching is NOT based on shaming!) and her take is that any progress is PROGRESS! Very uplifting and realistic- highly recommend for those needing the basics to reel things in and start building a stronger foundation 👍🏼👍🏼👍🏼

[Raven Kelly · Rating 5 out of 5]

I have always been a fan of Jamila's podcast, 'Journey to Launch'. This book is simply another level of brilliance. It is the clearest financial independence (FI) book I have read (and I have read a couple). I especially love how Jamila explained the FI concepts, provided the framework (eg. the Journeyer stages to FI) and then explained how to execute in clear action steps. I have been looking for a book that clearly sets out the FI path and this book has done it. I would say for anyone interested in a clear and easy to follow path to financial freedom, "Your Journey to Financial Freedom" is the book for you.

[Celeste · Rating 4 out of 5]

This book is a “FIRE“ style, financial, and retirement planning guide. If you’re not sure what “FIRE” means check out the book, your money or your life. I liked that this book had charts and worksheets. There is also a great index for people who want to look up about a specific topic, it is lacking in some ways such as information about how much one can save each year. It seems that each book I read confuses me a little about that particular topic. I’ve read most of the recent release, financial books and I enjoyed this one as well as “my money, my way” and “I will teach you to be rich.”

[Jeff Hardt · Rating 3 out of 5]

This book takes a more holistic approach to what financial success means to each person. It isnt necessarily a follow this plan and get rich, etc. It asks where you are as a person, what you want to be as a person, and how your personal goals and personality play a role in where you want to be financially. It definitely goes thru the steps (like other books of this nature) of the fundamentals of what to do better financially. She also gives several formulas one can go by to reach certain financial milestones.

[Jennybeast · Rating 4 out of 5]

As an audio book, this is a bit dry, but I really enjoyed it. I love that Souffrant is so upbeat and so clear about pairing financial decisions with personal foundational work. She spends a lot of time emphasizing that any financial journey is going to be a very personal work, and that setbacks are ok, and that really the point of the whole exercise is to live a happy life. She offers some great structures for getting started, encouragement in self-evaluation, and easy to understand explanations of how wealth grows while thoroughly grounding aspirations in reality. It's very inspiring.

[A Story Explorer · Rating 3 out of 5]

Good information but I didn't find anything completely new if you don't already follow other similar FIRE podcasts or speakers. She does provide a slightly more open mind to FI for those POC who may not have had the same opportunities as others. I like that she shared that it's ok to have a balance to saving/investing and living your life as long as you know your goals and are willing to change.

3 out of 5 rating for me!

[Joslyn Knight · Rating 5 out of 5]

If you listen to her podcast, you will love this book! If you want to learn about personal finance, but don’t want to be bogged down, you will love this book! I loved how she discussed heavily about lifestyle goals and how they relate to financial goals. You don’t feel weighted down by the mountain retirement is and she helps you change your mindset to digest this in bite sized pieces.

[Anthony · Rating 4 out of 5]

The book is great for many on their financial journey or even for those who just need a jump start.

To me Chapter 9 was most enjoyable because it focuses on the mindset around your money. Would have been nice in earlier chapters as you go through the book.

I would buy this for someone as a birthday gift or a Christmas present.

[Sarah · Rating 3 out of 5]

I’m grateful that Souffrant is a voice in this personal finance genre that has a very white and male history, though outside of that I didn’t find a lot of unique value to the book. It is probably a good read for someone just starting out in their financial health journey, but I didn’t find much of particular use being in a more “mid” stage of that.

[John Harris · Rating 5 out of 5]

Very practical straightforward book on achieving financial freedom. Jamila makes it very simple and addresses the emotion, pitfalls and other issues that trip people. I was a financial advisor for 25+ years and achieved FI in my 40s. If you follow this book, it will only improve your financial situation.

[Reka Beezy · Rating 4 out of 5]

It's positive and motivating. I would recommend it to individuals looking to get their finances together, but I wouldn't tell them to start here. Her overall message is about FIRE and that can be intense if you're just starting out. I'm still looking for a more targeted, more nuanced book for (Black) women.

[Lacey · Rating 5 out of 5]

I appreciated Jamila's writing style and the options that she presented. I had never really thought of my relationship to money and how I wanted it to work for me. The questions she posed where helpful to help me really think about my financial goals. Overall would recommend this book for anyone dipping their toe into exploring their financial overall and financial goals.

[charlie · Rating 4 out of 5]

I appreciate that this isn’t another finance book by a white guy. There are some good examples of navigating finances depending on a range of circumstances using cute and memorable language.

Personal gripe… can we get one finance book that doesn’t include a diet reference PLEASE.

[Jennifer is Reading · Rating 4 out of 5]

Some helpful information on the FIRE movement- financial independence retire early. The author breaks her process into steps that are easy to comprehend and manage. Overall I liked the idea that even if you don’t reach your retirement as quickly as you would like you’ll still be way ahead of what you would be had you not invested. Would have loved some Canadian comparisons.

[Sasha · Rating 5 out of 5]

Provided me with all the tools necessary to start my own financial independence journey. For the first time, I feel motivated and hopeful about my future finances after reading a book. I look forward to adding the Journey to Launch podcast into my morning routine. :)

[HTP Books]

Personal Growth & Success, Investing, Personal Finance & Budgeting