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cover of episode 174 : The Simple Path to Unlocking Financial Independence with JL Collins

174 : The Simple Path to Unlocking Financial Independence with JL Collins

2025/4/15
logo of podcast The Mindful FIRE Podcast

The Mindful FIRE Podcast
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JL Collins: 我在书中阐述了通往财富的简单路径：避免债务，少花钱多赚钱，并投资盈余。这不仅能让你富有，还能改善你的生活。很多人并不想这么做，他们更倾向于消费主义的生活方式。但我希望让人们知道，还有另一种选择，那就是用钱买自由，尽早开始，并尽可能多地储蓄，这样你就能更快地实现财务独立。我个人很早就开始存钱，目标是获得足够的“FU钱”，让我有勇气做出大胆的决定。财务独立不是一个开关，而是一个循序渐进的过程，每一步都让你更强大。复利的威力惊人，它会让你积累的财富远超预期。 “FU钱”是指在通往财务独立的道路上积累的资金，它能让你更有勇气做出决定。即使你热爱你的工作，也要为意外情况做好准备，因为工作环境随时可能发生变化。我的职业生涯转变并非经过精心策划，而是一步一步走过来的。我写了三本书，一本是《通往财富的简单之路》，一本是关于我第一次糟糕的房地产投资经历的，还有一本是关于其他读者如何运用我的理念改善自己生活的。 我建议人们放松心情，享受财务独立的旅程，因为事情会好起来的，而且结果可能比你想象的要好得多。在积累财富的过程中，也要考虑未来，例如居住地选择等。人们现在拥有巨大的优势，因为所有这些信息都唾手可得。 Adam Koyo: 我认同JL Collins的观点，财务独立是一个循序渐进的过程，即使你还没有完全实现财务独立，你也会比之前更好。拥有FU钱能让你更有勇气去追求自己的梦想，即使面临工作中的挑战，也能让你从容应对。我个人也正在经历一个挑战，但因为有清晰的愿景和FU钱的支持，我能够保持专注，并继续追求自己的目标。

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JL Collins, author of "The Simple Path to Wealth," shares his background and the book's core principles: avoiding debt, living below your means, and investing the surplus. He emphasizes that this path isn't just about money but about creating a better overall life and achieving financial freedom.
  • Core principles of the Simple Path to Wealth: avoid debt, live below your means, invest the surplus
  • Financial independence is not an on/off switch; each step strengthens your position
  • The book's principles are for everyone, regardless of background

Shownotes Transcript

In this episode: financial independence, power of FU money, navigating job insecurity, importance of saving, transitioning to retirement with JL Collins** **

Episode SummaryAdam welcomes JL Collins, a renowned author & speaker in the Financial Independence community. They discuss principles of FI, significance of saving & investing, and the transformative power of FU money. JL shares his personal journey & insights on how to navigate job insecurities & make bold decisions in life.

Guest BioJL Collins is an author & speaker best known for his book "The Simple Path to Wealth," which has become a cornerstone in the FI community. JL's focus on practical advice & clear strategies has helped countless individuals take control of their financial futures.

Resources & Books Mentioned

  • "The Simple Path to Wealth" by JL Collins)
  • "Pathfinders" by JL Collins)
  • "How I Lost Money in Real Estate Before It Was Fashionable" by JL Collins)
  • Pete/Mr. Money Mustache)
  • Carl Jensen/1500days)

Guest Contact Information

Key Takeaways

  • FI is not an on-off switch; every step taken towards saving & investing strengthens your financial position.
  • FU money is essential for providing courage to make bold decisions & navigate uncertain job situations.
  • The power of compounding can lead to significant wealth over time, often exceeding initial expectations.
  • It’s crucial to understand your “enough” & build a life that prioritizes both financial security & personal fulfillment.
  • The journey to FI is as important as the destination; enjoy the process & learn along the way.

PS: Introducing the…

🔥 FIRE Starter Group Coaching Program

Connect with your big vision for the next chapter of your life and start living it in 10 weeks or less using envisioning and the power of your mind.

Interested? Let's chat.)​

🔥 WHO I'm creating this for:

I'm creating this for YOU if you are feeling* stuck & frustrated* after saving and investing for years to create "financial freedom" only to find yourself:

  • Unclear or unsure about what you want
  • Overwhelmed by all the options created by financial freedom
  • Not sure how to move forward to start living the next chapter of your life

🔥 WHAT we’ll do together over 10 weeks:

In this small group coaching program, you will:

  • Finally answer “What do I actually want?”
  • Come up with a BIG vision for your next chapter of life
  • Learn what envisioning is and the brain science that makes it work
  • Be challenged and inspired by thoughtful participants creating their own BIG vision
  • Learn how to use your mind to start living your new vision right away.

🔥 My promise to you:

At the end of 8 weeks, you will be able to point to specific and tangible ways that you’re living out your new vision already.

🔥 Sound interes...