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My Journey Teaching in China to Freelance Writing in the US | Sarah Li Cain Mar 06, 2019

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Want a career that involves travel? Teaching offers exactly that. Sarah was born a traveller and knew she wanted to have a career that took her across the globe ever since she was a kid. She went into teaching and moved to China, where the low cost of living made it easy to save and travel. She then grew her side hustle of freelance writing to her full time gig and moved to the US with her husband and baby boy. You'll love her story. We also chat about... Advice for others interested in teaching overseas What it was like to give birth overseas Teaching overseas in China How she planned moving to the US How she grew her freelance writing side hustle to her full time job The importance of setting boundaries Her current FI goals Enjoy this chat with Sarah, and please subscribe to us in iTunes if you enjoyed it! Show notes and links from today's episode Sarah's podcast: Beyond the Dollar Sarah on Instagram Western Union Moneygram TransferWise Fincon Key takeaways from our chat with Sarah 1 - Teaching makes more travel possible Sarah knew ever since she was a kid that she wanted to travel as an adult. So to make it possible, she went directly into a career that not allows you to travel, but also pays for your housing and even flight tickets: teaching. She says the most important is to have some experience, and then simply get in contact with a recruitment agency that'll help you find jobs overseas. And so she decided to go to China. 2 -The hard part of going freelance During her time in China, Sarah was building a hefty emergency fund for her move to the US. She also had a newborn - which her and her husband had to plan carefully for. She was also working on her side hustle of freelance writing, eventually replacing her teacher salary. After moving to the US, she tells us that the hardest part was the isolation. She was adjusting to motherhood, to the US and working freelance online. Once she moved to a big city she says things got much better. 3 - The importance of setting boundaries She learnt how to balance freelance work, family time and her own time by clearly setting boundaries. She's learnt to negotiate boundaries with her family and re-assessed her priorities so she knew which clients to keep and which took too much of her time. By making sure she's organising her time efficiently and doing what is most important, she's found a way to be balanced. The results: her freelance income has doubled! Questions? Like or dislike? Leave us a comment! Want to support the podcast? Here are three things you can do. 1. Start tracking your net worth with Personal Capital using our link. It's free. 2. Subscribe to our YouTube Channel and get one extra LIVE episode from us per week. 3. Join our Facebook group and connect with other members of the FI community.

Achieving FI in Brazil | Luiz Feb 27, 2019

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Did you know there is a large FI community over in Brazil? Luiz reached FI after working as pilot both in Brazil and the Middle East. He discovered the FIRE world when he felt burnt out from work and was looking for smart ways to manage his money. His plans now include taking advantage of 90% discounts on airline tickets, travelling the world and moving to Bali, Indonesia. You'll love his story. We also chat about... Achieving FI in Brazil vs in the US Why Luiz went to the Middle East What the FI movement is like in Brazil The Brazilian FI bloggers How he's using geoarbitrage The toll it took on his health Enjoy this chat with Luiz, and please subscribe to us in iTunes if you enjoyed it! Show notes and links from today's episode Luiz' blog: Sr. IF365 Blog: Vivir de Venda Blog: Aposenteaos40 Paula Pant International Health Insurance Allianz Key takeaways from our chat with Luiz 1 - FI is happening all over the world! From this interview we can really see that the FIRE is spreading! Luiz tells us that FI is a pretty big thing in Brazil, and although all the bloggers are anonymous, the movement is gaining awareness. Luiz discovered FI when searching for smart ways to manage his money, and then started applying strategies with the help of Brazilian FI bloggers. He tells us it's too dangerous to reveal your identity online because of the economic and political instability - but he now has a blog and regularly listens to FI podcasts. 2 - Why it's different to reach FI in Brazil vs in the US The interesting thing about reaching FI in Brazil is that the money game is quite different. First of all, Brazilian banks still have high interest rates, meaning simply putting your money in a bank will give a similar return to the stock market. But things are a bit more expensive in Brazil, and the minimum wage is much lower - just over $1. So in order to reach FI in Brazil, you do need an actual income. 3 - Should you sacrifice some of your health to reach FI? Luiz tells us he did have to sacrifice some of his health to finally reach his number. As a pilot, he wasn't sleeping well and he could feel his health deteriorating. His original plan was to take a career break, but then he decided to power through in order to reach his number and quit once for all. Was it the right decision? Personally, he says yes, however he agrees that this might not be the right choice for everyone. At the end of the day, it's a very personal decision. Questions? Like or dislike? Leave us a comment! Want to support the podcast? Here are three things you can do. 1. Start tracking your net worth with Personal Capital using our link. It's free. 2. Subscribe to our YouTube Channel and get one extra LIVE episode from us per week. 3. Join our Facebook group and connect with other members of the FI community.

How My Side Hustle with a Lice Clinic Makes 6 Figures a Year | The Reluctant Frugalist Feb 20, 2019

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Ever thought of starting a side hustle selling hair lice removal services? That's exactly what Timika came up with when she realised she wanted to make more money to retire early and take a sabbatical. She did the research, put up a bit of money and in her first year made 6 figures in sales. In 3 years she hopes to take her first sabbatical. You'll love her story. We also chat about... Timika's money journey How her divorce affected her finances Taking sabbaticals Her entrepreneurship journey starting a lice clinic Having the confidence in the value of what you're providing How you can start your own lice clinic business Enjoy this chat with Timika, and please subscribe to us in iTunes if you enjoyed it! Show notes and links from today's episode Blog: The Reluctant Frugalist Dave Ramsey Joshua Sheats - Radical Personal Finance ChooseFI Key takeaways from our chat with Timika 1 - Managing a business is about confidence Contrary to many other entrepreneurs, Timika wasn't a kid selling cookies and managing entrepreneurial ventures at a super young age. And yet, she is now managing a 6 figure business that is fast tracking her path to FI. She tells us that her biggest hurdle was confidence. She learnt to speak in front of people, to believe in her skills and deal with rejection. She now encourages her daughter to do the same, she now has her own Minecraft channel! 2 - You can set up your own lice clinic Although it may seem like an odd side hustle to have, Timika's thought process behind starting her own lice clinic makes a lot of sense. She only had to invest $25,000 to get it started - the price of a car - and the return was substantial. She went to a lot of other lice clinics to take note of profits and see how the system worked.. She also went to talk to other business owners and analyse their strategies and techniques. She did the numbers and the research, and now has a business making her good money. 3 - Consider a sabbatical Instead of trying to accumulate as much as she can to reach FI, Timika will be taking a sabbatical in 3 years. She's a school nurse, and her school allows her to take a year off and come back to the same position a year later. She says this a great time to be with the kids, and wants to take them out of school, do some travelling and homeschool them for a while. She wants to enjoy the moments with them and knows a sabbatical will allow her to do exactly that. How about taking a sabbatical and getting a taste of what FI would feel like? Questions? Like or dislike? Leave us a comment! Want to support the podcast? Here are three things you can do. 1. Start tracking your net worth with Personal Capital using our link. It's free. 2. Subscribe to our YouTube Channel and get one extra LIVE episode from us per week. 3. Join our Facebook group and connect with other members of the FI community.

Work Optional, Retire Early; A 2 Phase Savings Approach | Tanja from Our Next Life Feb 13, 2019

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Sometimes you're better off focusing your energy on getting a promotion at your day job than starting a side hustle. Would you agree? Tanja appears once again on the podcast! This time, with a new book! Tanja retired at the age of 38 and 2018 was her first year of retirement. She describes it as a year full of travel, family visiting and writing her book. She also describes her interesting after tax saving strategy that separates her pension money from her FI money. You'll love her story. We also chat about... Tanja's first year of early retirement Her after tax saving strategy Where the bulk of her savings are Her fitness side hustle and why dropping it was the best thing she did Her new book Work Optional, Retire Early Enjoy this chat with Tanja, and please subscribe to us in iTunes if you enjoyed it! Show notes and links from today's episode Tanja's blog: Our Next Life Tanja's new book: Work Optional, Retire Early the Non Penny-Pinching Way The Fairer Cents podcast FIREDrill episode with Tanja: Making Huge Impacts in the FI Community Book: How to Retire Early Choose FI Episode 112: Naseema Financially Intentional | How I Paid off 1 Million in Debt Camp FI Ecuador Chautauqua Key takeaways from our chat with Tanja 1 - Time goes by slowly when you're free Tanja tells Gwen and J what an amazing year she's had as an early retiree. She finally feels free and able to do what she wants, even if she's on a stricter budget. She had a lot of stuff going on, and yet the year went by slowly and she enjoyed it much more than if she was buried in work. She was able to attend the events that she wanted, visited more family and was able to write her newly released book. So far, early retirement is going pretty well! 2 - You'll probably need way more money when you're older Tanja has an interesting after tax savings strategy. She doesn't know what her life will look like in 30 years, so she has one fund (her pension fund) in her 401k which she isn't planning on taking out until she's 59 1/2 years old. She has another fund which she has calculated will last her until she reaches 59 1/2 saved in taxable accounts. She argues that she would rather have a big cushion when she's older, and her aim when saving up was 30 times annual expenses. She says you won't regret putting aside more for your older years. 3 - A side hustle isn't always a good idea An interesting argument; sometimes you're better off focusing on your main job and increasing your chances of a promotion rather than building your own side hustle. Tanja's side hustle was teaching yoga and spinning, which she says is a great side hustle: it's pretty easy to get a certificate, you get to work out and build a community and you make a not too bad $20/hour wage. However, if you focus on your job and get a $10,000 promotion... sometimes that's more worth it. It really depends on what you're potentially trading for with a side hustle. Questions? Like or dislike? Leave us a comment! Want to support the podcast? Here are three things you can do. 1. Start tracking your net worth with Personal Capital using our link. It's free. 2. Subscribe to our YouTube Channel and get one extra LIVE episode from us per week. 3. Join our Facebook group and connect with other members of the FI community.

Why FI is About Living Life on Your Own Terms | Millennial Money Feb 06, 2019

Show notes

Ask yourself 'What kind of life do I want to live?' and then 'How much money do I need?'. Grant reached financial independence at the age of 30. But he was working 80-90 hour work weeks and was focusing more on the spreadsheets than actually enjoy the journey of FI. He's now published his first book and is touring the US to meet other people in the FI community, spreading what he's learnt over the years. His message is that FI is about living life on your own terms, and that you don't always need a million to be there. You'll love his story. We also chat about... FIRE events 2019 The good and the bad of these FIRE events How Grant researched his book Why he decided to write a book Grant's book tour His book giveaway Enjoy this chat with Grant, and please subscribe to us in iTunes if you enjoyed it! Show notes and links from today's episode Fyre Festival Documentary Chautauqua FI Above the Clouds Retreat Jim Collins Vicki Robins Afford Anything Our Next Life Millennial Revolution Alan Donegan Mr 1500 Montana Money Adventures ChooseFI Local Camp Mustache Camp FI Fincon Millennial Money Grant's book: Financial Freedom Book: Your Money or Your Life Mad Fientist Root of Good JD Roth Financial Samurai Fly to FI Financial Freedom website Key takeaways from our chat with Grant 1 - The good and the bad of FI events At the beginning of the episode Gwen and J discuss the different FI events coming up in the year 2019 and their personal experiences in previous ones. All events include meeting very interesting and nice people. Chautauqua includes travelling abroad and getting to know 25 people for one entire week. The ChooseFI local groups are great to meet people in your own area. Camp Mustache is more superficial but you get to meet a lot of new people. Camp FI is an event with 40-50 people and is a great place to meet FI people in your region/state. Gwen and J recommend starting off with events in your local area before spending money on overseas events. 2 - Why it's worth writing a book Grant has both a blog and a book. He tells us he wrote the book because he needed accountability, and wanted to fully reflect on what happen. He's also been to a lot of money events that are complete scams, so he wanted to create something that had credible true information. His book is a physical product that covers money from end to end, and the amazing part is that he is able to get the books translated and send them to schools, to libraries and all over the world. For him it was simply an easier way to spread the message of FI. 3 - Beware of the addiction One highlight of Grant's FI journey is that he was working 80-90 hour work weeks in order to reach his goal. In 5 years he went from having an empty bank account to having over a million. This cost him a lot of work, which in the end he admits he might not have needed. He didn't need a million dollars, he argues that a 6 month emergency fund would have been enough. He says that FI can be a money addiction in itself - you're constantly focusing on the spreadsheet and hitting those numbers, but then never get to enjoy the money you're bringing in. This is why Grant says that FI for him is about living life on your own terms. Questions? Like or dislike? Leave us a comment! Want to support the podcast? Here are three things you can do. 1. Start tracking your net worth with Personal Capital using our link. It's free. 2. Subscribe to our YouTube Channel and get one extra LIVE episode from us per week. 3. Join our Facebook group and connect with other members of the FI community.

How I’m Retiring Next Year on a $500,000 Nest Egg | A Purple Life Jan 30, 2019

Show notes

A Purple Life is retiring next year on a $500,000 FIRE number. She is currently 29 years old, and living and working in Seattle. She's managed to reduce her expenses to $18,000 per year, and splits costs with her partner. She is also successfully living on a keto diet and is planning on going travelling next year once she hits her FI number. You'll love her story. We also chat about... Moving from New York to Seattle How she reduced her expenses to $18,000 per year Why she does not combine finances with her partner Living a keto diet How she calculated her FIRE number Life goals Enjoy this chat with A Purple Life, and please subscribe to us in iTunes if you enjoyed it! Show notes and links from today's episode Blog: A Purple Life A Purple Life on Instagram and Twitter Broke Millennial How My Partner Convinced Me to Retire Early Meet the Women of the Financial Independence Movement Key takeaways from our chat with A Purple Life 1 - In the long run, living in the city is actually cheaper Gwen and A Purple Life both agree that living in the city is actually cheaper. This is simply because it's easier to optimise expenses - transit is cheaper and you can do a ton of free things for entertainment. A Purple Life explains that she only spends money on what makes her happy - if she's meeting with someone she doesn't know she probably won't go to a restaurant. She also takes advantage of happy hours and makes sure her spending is intentional. 2 - Sometimes you're better off not combining expenses with your partner A Purple Life and her partner have independent lives. They don't plan on getting married or on having kids, and since they both value different things they have agreed on keeping stuff separate and having different allowances. They won't be reaching FI at the same time and therefore have different plans for the future. A Purple Life explains that this has actually made her life way simpler and easier when it comes to planning. 3 - The benefits of having a public blog A Purple Life used to be a private blog, but she turned it public 6 months ago when J convinced her to. She is very honest about her numbers and uses it as a diary to FI. She is very glad to have made it public - she's been able to make more connections and the transition has helped her realise who she really is. She even says that doing so she finally found what she wanted to 'retire to'. 4 - That unicorn job might still not be perfect A Purple Life was looking for the perfect job, and she finally found it. But then a few months later, she realised she didn't want to continue working there. Thanks to this she realised that she simply did not want to work anymore and looked for other opportunities (hint hint, FI). Her partner introduced her to the FI concept and soon she will be free to do the 'non productive' things she likes doing (taking photos, cooking, travelling, etc). Go her 💪 Questions? Like or dislike? Leave us a comment! Want to support the podcast? Here are three things you can do. 1. Start tracking your net worth with Personal Capital using our link. It's free. 2. Subscribe to our YouTube Channel and get one extra LIVE episode from us per week. 3. Join our Facebook group and connect with other members of the FI community.

How We Saved Over $87,000 by DIYing House Renovations | Grit and Polish Jan 23, 2019

Show notes

Have you ever renovated a house yourself? Garrett and Cathy have. In fact, they've renovated 6 properties! Garrett and Cathy came up with the idea of fixing up their own house when Cathy got laid off in 2009. Since then, they've been working hard buying houses, fixing them up and then renting them out to tenants. They are now stay at home parents and live off their rental income as they take care of their 3 kids. Pretty impressive. You'll love their story. We also chat about... When their early retirement started How they decide which houses to buy Their strategies to rent and experiences with Airbnb How they DIY the plumbing and electrical How they became officially FIRE Enjoy this chat with Garrett and Cathy, and please subscribe to us in iTunes if you enjoyed it! Show notes and links from today's episode Mr Money Mustache Garrett and Cathy's blog: The Grit and Polish Garrett and Cathy on Instagram and Youtube GS Building Supply White subway tile AirDNA Key takeaways from our chat with Garrett and Cathy 1 - Work with what you've got A big part of how Garrett and Cathy renovate their homes is by working with what they've got. They started off by having to house hack out of necessity - Cathy was laid off her work and so they moved into the backyard cottage and rented out their main house. This meant they fixed up both the cottage they were living in as well as the house, and to keep renovation costs down they were forced to work with what the house gave them. They say this has been their key to success in renovation - instead of moving toilets and changing kitchen areas, they simple adapt to what they have. 2 - How to get the highest rent possible Cathy and Garrett Airbnb two of their homes and earn $8,000 per month in the high season! Their advice is to get a place with 2 bathrooms as this really increases the price. They also recommend to pay for a network of cleaners so they can take care of several properties at once, and to make sure you'll be at least breaking even. They also tell us about one kind of horror story - although they say it could have been worse and that usually they get pretty good guests. 3 - Getting started with DIY renovations It might be a little daunting to start doing DIY renovations yourself - how do I get started with plumbing? Or electrical? Do I need to buy cement? Cathy and Garrett say that the best way to learn is to literally just dive in. They bought the most basic tools, opened up Youtube and learned on the way. They also ask friends for help, and do their due diligence when it comes to licensed contractors, as they say that inspectors can be tough. In total, they say that they've probably saved around $87,000 by building their own kitchen. DIYing does really pay off! Questions? Like or dislike? Leave us a comment! Want to support the podcast? Here are three things you can do. 1. Start tracking your net worth with Personal Capital using our link. It's free. 2. Subscribe to our YouTube Channel and get one extra LIVE episode from us per week. 3. Join our Facebook group and connect with other members of the FI community.

How to Grow Your Etsy Shop to a Full Time Business | Paper Finch Designs Jan 16, 2019

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Managing your own Etsy store is a great way to get some sweet monthly passive income. We talk to Amy, who manages her Etsy shop full time and has scaled her shop to both wholesale and retail clients. Amy fell in love with design and opened her Etsy shop the minute she graduated. From there she started off with vintage clipart, and the moved towards printables in the wanderlust and travel niche, selling to both wholesale and retail clients. She manages her Etsy shop full time and prints her designs on everything from mugs to pillows. You'll love her story! We also chat about... How she got started with Etsy How to know when it's time to pivot The importance of communicating with the customer How to shop and select a printer Using a dropship manufacturer Good Etsy conferences to go to Selling wholesale and retail Enjoy this chat with Amy, and please subscribe to us in iTunes if you enjoyed it! Show notes and links from today's episode Amy's blog: Paper Finch Design Amy's shop: Paper Finch Design Amy's email: amy at@ paperfinch dot com Amy on Instagram and Facebook Etsy Forums Red River Paper Printful Printed Mint Haute Stock Society for Creative Founders Adobe Creative Suite Upwork Caroline Keating Coach J's Etsy Printables course Key takeaways from our chat with Amy 1 - How do you know when it's time to pivot your product? J asks Amy when is the best time to pivot your product: how do you know if the product isn't selling because of the product itself or because of the way you list it on Etsy? Amy tells us that it's all about the success of the product. If you see that one certain niche is selling much better than others, then focus your efforts on that one and try to expand the product types. Amy tells us she noticed that her wanderlust and travel products were selling over and over again, so she decided to drop other products and focus on that niche. She says it's good to be known for something, and to focus a lot on one niche instead of on a bit on several niches. She realized this also by making sure to listen to customers and feedback. 2 - How to shop and select a printer One pretty big issue when selling printables on Etsy is figuring out how to print them. When Amy started out she used a local shop to print her products. However, as she grew she realized that this was getting pretty expensive and so decided to buy her own printer - no easy feat. So she went on Etsy forums to see what others had, she cost compared prices and bought what she thought would work best for her in terms of ink and volume. A few recommendations she gives: Buy a printer with a warranty Start small and within budget - you can upgrade later The ink world is vague, do your research Buy from the manufacturer so you get customer support Bookmark articles with important info 3 - 2 of the best things Amy did Amy gives advice to other people starting out: 1. Find a mentor Amy recommends finding a mentor to guide you through the whole setting up shop on Etsy. She found hers at conferences such as Society for Creative Founders. 2. Ask, ask, ask Ask your manufacturer what they think, ask other Etsy shop sellers for advice and ask friends in the local shop. By asking others you learn how to improve your product and you get to know better your customer. Questions? Like or dislike? Leave us a comment! Want to support the podcast? Here are three things you can do. 1. Start tracking your net worth with Personal Capital using our link. It's free. 2. Subscribe to our YouTube Channel and get one extra LIVE episode from us per week. 3. Join our Facebook group and connect with other members of the FI community.

Your 2019 Financial Goals! Jan 09, 2019

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New Year, New Financial Goals! In this episode Gwen and J receive voice messages and emails from people in the community talking about their financial goals for 2019. We also hear Gwen's achievements and goals for the year coming, as well as J's exciting news about her house and her financial plans. You'll love this little chat. We also chat about... 2018 side hustle recap The comfort of having a paycheck Voicemails from other bloggers Gwen and J's financial goals Up and coming for 2019 Enjoy this chat with Gwen and J, and please subscribe to us in iTunes if you enjoyed it! Show notes and links from today's episode Mad Fientist Spreadsheet FIRE Drill Facebook Group Tanya's Our Next Life blog Donate to Uriah Etsy Mastermind Episode: How to Create Passive Income from Etsy Digital Products Mad Fientist episode with J's husband: How to Get Fit (And Actually Enjoy it) The FI Show A Purple Life YNAB ChooseFI Blatimore Tanya's book: Work Optional Episode: Saving 70% of Your Income to Be With Your Kids Fly to FI MK's book: Enemies of the Peace Key takeaways from the chat between Gwen and J 1 - Having a paycheck can be a huge relief Gwen tells us that she received her first paycheck at her new job, and how relieved she is to be making good money again. Thanks to her new job, she now has health insurance and doesn't have to worry about breaking bones, and can now also afford therapy. Gwen realised that thanks to having a normal monthly paycheck she can enjoy life again and really enjoy the journey to FI. She plans on doing a stand up comedy course, on looking for a good place to live and putting money into her HSA. 2 - Your financial goals for 2019 We got tons of messages with everyone's 2019 goals! For James, 2018 was the year of discovery, so 2019 is the year of side hustles. Heidi will continue on her debt free journey all through out 2019, and Josh plans to max out his Roth IRA. Mary Kate is on a roll with clients through her new side hustle, and Chad is aiming for a 20% savings rate along with paying off his Chase card. Yvonne wants to learn the fundamentals on how to close a real estate sale and is aiming to save $100,000 in 2019 (wow!). Jenny wants to increase her 401k contributions, learn about real estate and work on some local causes she believes in. Some amazing goals for 2019! 3 - Some expert budgeters give advice Gwen tells us she budgets her after tax income from the month, and then extrapolates over the year. She tracks spending and translates that into an accurate looking budget. She's decided this year to not be so aggressive on keeping her expenses low and wants to have more fun. J also isn't keen on keeping a strict budget and uses the 'save first, spend the rest' method. The FI Show explain the magic of local deals and using your freezer to store meat. A Purple Life tells us that her annual budget is based on the realities of last year. She uses YNAB to keep track and makes sure to not feel too restricted. Other bloggers tell us how they use envelopes, different accounts and cash to manage their money. Some pretty great tactics and strategies! Questions? Like or dislike? Leave us a comment! Want to support the podcast? Here are three things you can do. 1. Start tracking your net worth with Personal Capital using our link. It's free. 2. Subscribe to our YouTube Channel and get one extra LIVE episode from us per week. 3. Join our Facebook group and connect with other members of the FI community.

How to Keep Your Money Safe and Secure | David Jan 02, 2019

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Here in the FIRE community we save a lot of money. What if one day it all disappeared because of a... security breach? There's nothing worse than being hacked and having issues with your accounts because of a security issue - and losing all that money you need to reach FI! Today we talk with David, a security expert who used to work for NASA and who now works for a computer company. He tells us the steps we need to take to keep all of our money safe and not have to worry about security breaches. You'll love this story. We also chat about... What you need to know about security How to figure out the best passwords SIM hacking How to move away from phone numbers VPNs and buying stuff online David's personal FI journey Enjoy this chat with David, and please subscribe to us in iTunes if you enjoyed it! Show notes and links from today's episode Listen Notes episode on the Snapchat Thief LastPass and KeePass ProtonMail Burner app YUBI keys Nord VPN and Express VPN FIREDrill Facebook LIVE David on Twitter Key takeaways from our chat with David 1 - The amount of security you need depends on your threat model Your threat model is basically how important it is for you to be safe. If you have large amounts of money in accounts, if you have large investments or assets, then you want to be more careful. If you feel there is not much risk and you are already careful with your accounts, then your threat model isn't as high. David tells us that being safe does not mean throwing away your phone or creating an email account for every single website you sign up for, it's all about taking easy and simple steps to make sure you won't regret it in a future. 2 - How to move away from phone numbers David tells us how insecure phone numbers really are. Phone numbers are easy to access online - many people send them across social media and insert them into registers. David says that to protect yourself from people harassing your phone number or even SIM hacking, you can use a service such as Google Voice which will create a new phone number especially for online services. Other programs such as Burner app also create temporary numbers. David also tells us that for authentication purposes, a Yubi key is the most secure way. 3 - Being safe in public places Working at Starbucks or a public place? Be careful with the information you put on the network, as it can be very easy for a hacker to retrieve your data. David recommends using a VPN when going out in public places. He also recommends even using 'virtual cards' when putting your credit card information into dodgy sites - banks such as Bank of America offer this feature to keep safe when buying products online. Questions? Like or dislike? Leave us a comment! Want to support the podcast? Here are three things you can do. 1. Start tracking your net worth with Personal Capital using our link. It's free. 2. Subscribe to our YouTube Channel. 3. Join our Facebook group and connect with other members of the FI community.

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