‘Time poor’ is the catch-cry of our era and yet end-of-life retirement means we have an average of two decades of feeling time rich to look forward to … when we’re old. How arse-about is that? But there is an alternative to working your butt off for decades and retiring when you’re worn out: it’s called financial independence and it means being able to cover life’s essentials and afford the luxuries you want without having to turn up to a job each day. Imagine: the freedom and flexibility to work if, when and where you like. With enough time and a way to earn, it’s achievable for most people through the power of passive income. Lacey Filipich knows because she’s done it herself – and has been teaching the strategies and steps for financial independence for a decade through her education company, Money School. Now, she’ll teach you all her tried-and-true lessons for redesigning your personal finances to create the life you really want. This audiobook edition comes with a downloadable PDF supplement for your own calculations, available at https://www.moneyschool.org.au/books/.