This photo was taken on the exact spot where, in Spring 2018, and over the course of about 200-300ft or so of run, my life totally changed. The “a-ha” moment came while stumbling across Alan Donegan for the first time on a podcast.

Nine months later, I quit a 100k / year job, never to return.

Do you know how much you are saving of the money that you earn every month? Do you save any of the money that you earn each month?

The average savings rate in the United Kingdom is 6%. Only 6%!

Do you save more money than the average person? Do you save less money than the average person? Do you know how much you’re saving?

Your savings rate is one of the key indicators of when you can retire! Knowing this number you can predict how long you have to work in paid employment

How can this be possible? How can we have more money than we earnt? Does that mean that we have lived for free for our entire life so far? Is this normal? Could you do the same? Do you have anything to show for your years of labour?

How do you calculate your net-worth?  The first step to change is to take a good look at where you are right now.  If you don't know your starting point it is difficult to know if the change you are creating is moving you in the right direction or not.  If you can't clearly give a £ or $ figure for your net-worth then this article will help you figure it out.

As you know I like to write articles about Financial Independence, business and positivity.  But occasionally I write about what is going on with me to share the ups and downs and hopefully inspire you

I use supply and demand theory in my business to this day ​but no one taught me about personal finance. I learnt through books, courses that I paid to go on and through trial and error; the good old fashioned way.  I have paid a high price for the skills I have developed and I think it is time I gave it all away for free...…...

I have been doing that with entrepreneurship for the last decade now. Giving away the course I wish I had when I was launching my business.  Katie and I have decided to do this for personal finance next. 

If you finances weren't in a good state when Covid hit this situation probably did nothing to help.    So many business and families lost their income overnight and they weren't prepared for it!

The people that benefit the most from the opportunities arising from Covid19 are the ones that are in the best financial position.  

​Now is the time to take control of your finances and set yourself up for the future

This is the first in a series of posts about self-care, what I have learnt that you can use and tips & tricks to keep you on tip top form.  

So here are all your questions about the 4% rule, early retirement and financial independence answered!  Let's jump straight into "How much does it take to retire? The Q&A" with Alan...…..

For many years I had a bad relationship with money and it took a lot of work to overcome that and find a new love for our friendship.  Read on to work through your relationship issues!  If this scares you then remember changing your relationship with money will change your results with it...……..