Call it financial freedom, early retirement or simply peace of mind. I’m on the same road, and I publish what I use to get there sooner.
Calculators and step by step guides to see your own numbers and decide for yourself. Nobody here tells you what to buy.
See the tools →02What I am learning about money, tax, living between countries and building something of my own. Mistakes included.
Read the blog →03Ideas that opened my eyes about money, work and time. I learned none of them at school or university: they all come from looking at things from the outside.
Read about mindset →Every tool is tied to a post on the blog with the context and, where it applies, my own figures.
The finance, the years of standing still, and what that money would have done somewhere else.
What I try, what I think and how it goes, good or bad.
I've spent years watching internet gurus I've never met, when the example was in my own family all along. And the most valuable thing he had wasn't money: it was knowledge that never reached me.
I was convinced that financing was the expensive mistake in this story, so I paid cash for my car. Then I did the maths on the three options I actually had, and out came a rule nobody had ever told me.
When I lived in Valencia, going two months without a payslip already terrified me. Today I could last two years and I still don't feel free. The story of why earning more wasn't the same as being freer.
For years I have depended on a single source of income: first a salary, then one single client. One day it hit me that this is not stability, it is risk: it means you cannot afford to stop. What started to change it was not a motivational quote. It was sitting down to do the maths and draw up a plan.
I have a daughter and I never want her to feel trapped in a situation because of money. But it is not only her: I think about the people closest to me too, asking themselves the same questions I used to ask myself, without knowing who to ask. Leaving a financial cushion is fine, but teaching people to create opportunities, to understand the numbers and to be free, that is the real legacy.
I became a mother later than most and sometimes I worry that I may not have time to teach her everything I would like. That is why I document it all here: what I try, the real sums that opened my eyes, and the tools I keep designing. And I do it while I build myself a life with more time for what really matters. If any of it helps you question your own numbers and make better decisions, it will have been worth it.
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