Phia from Freedom101.ca [Financial Independence Forum, EP.001]

My guest this week is runs a blog on Freedom101.ca with her partner Mike.  Achieving FIRE (Financial Independence, Retire Early) came about organically and they took sensible steps to think about retiring early.  First they diversified their income streams and built that foundation to allowed them to truly consider early retirement at 33 & 34 years old.



Podcast Transcript



Eugene / Host: (00:00)Awesome. Okay. So for live. Okay. that’s great. So yeah, so I, I have here today, Phia, she runs a blog on Freedom101.ca with their partner Mike. She achieved FIRE (Financial Independence, Retire Early) (Financial Independence, Retire Early). They issue FIRE (Financial Independence, Retire Early) kind of in an organic way, and they took reasonable steps and sensible steps to think about retiring early. Firstly thought about diversifying their income streams and they built that foundation, which allowed them to truly consider early retirement at age 33 and 34 respectively. So, Phia, welcome to the Financial Independence Forum podcast.



Phia: (00:40)Thanks so much for having me on Eugene. It’s great to be here and we’re here today.



Eugene / Host: (00:44)Awesome. Thanks so much. You know, one of the things that you know, we try to do in the forum is we try to bring people into and share their experiences and to tell their stories. And the first thing that I as I was going through your blog and thinking and reading about your story, that we actually have a few things in common. We both live in Canada. And some of the posts that you had had written about that you and Mike had written about where a lot of interests that are common to ourselves, like I think you had a couple posts about how to sleep better. I’m thinking about how to eat better and tried and tried different diets that I I’ve also tinkered with myself and and also a post about like personality tests as well and doing different things. So maybe you could, you could start by me, tell me a little bit about yourself because it seems like some of those areas are are kind of complimentary to, you know, finding yourself, but also figuring out what works for you.



Phia: (01:49)Yeah, for sure. I think for Mike and I, we kind of stumbled into our journey to FIRE (Financial Independence, Retire Early). It wasn’t a, was wasn’t really a full blown movement when we decided to that we’ve wanted to make a change in our lives. And so we really started that process by looking at debt and how to pay down our debt. But we really didn’t start with that kind of big picture idea of where we wanted to end up. We thought this is great. We just want a lifestyle, more choice and more freedom. But there wasn’t a point where we sat down and said to each other, what do we want to do? Do with that freedom? What do we want to do with that choice? So for us, we kind of just figured it out as we went along. And when we finally reached financial freedom, it was amazing.