000			03606cam a2200373Ii 4500
001			on1389275610
003			OCoLC
005			20231229135836.0
008			230623t20232023onca b 001 0 eng d
040			_aCNWPU _beng _erda _cCNWPU _dTOH _dIOU _dYDX _dBDX _dCCPLG _dCQC _dORX _dOQX _dOCLCO _dMWD _dUAP _dJQM _dHQD _dFNN _dOF9 _dOCLCO _dIMT _dNFG
019			_a1375643440 _a1392292267 _a1401980252 _a1409800315
020			_a9781335007797 _q(hardcover)
020			_a1335007792 _q(hardcover)
035			_a(OCoLC)1389275610 _z(OCoLC)1375643440 _z(OCoLC)1392292267 _z(OCoLC)1401980252 _z(OCoLC)1409800315
092			_a332.024 _bS721
049			_aNFGA
100	1		_aSouffrant, Jamila, _eauthor.
245	1	0	_aYour journey to financial freedom : _ba step-by-step guide to achieving wealth and happiness / _cJamila Souffrant.
264		1	_aToronto, Ontario, Canada : _bHanover Square Press, _c[2023]
264		4	_c©2023
300			_a362 pages : _billustrations ; _c22 cm
336			_atext _btxt _2rdacontent
336			_astill image _bsti _2rdacontent
337			_aunmediated _bn _2rdamedia
338			_avolume _bnc _2rdacarrier
504			_aIncludes bibliographical references (pages 347-349) and index.
505	0		_aIntroduction -- Part 1: The what, why, and how of financial independence. Financial independence is within your reach -- The journeyer stages -- The 6 essential components to work on to reach FI -- The FI formula and how the 6 components work together -- Part 2: Creating your enjoyable financial independence plan. Assessing your mindset and habits -- Uncovering your desired life goals and determining your guacamole level -- Setting financial goals -- Creating your financial independence plan -- Part 3: Executing your plan. Optimize expenses -- Increase income -- Pay down liabilities -- Increase assets -- Part 4: Enjoying the journey. The importance of staying focused and consistent on the path to financial independence -- Conclusion.
520			_a"Journey to Launch podcaster Souffrant debuts with a sound program for achieving financial independence, which she defines as being able to live on the "money you've accumulated in your investment accounts... indefinitely." Her five-step program involves figuring out "what your bills and liabilities are in comparison to what you're earning," paying off most debts, establishing an emergency fund, "investing consistently and growing your assets," and maintaining a financially sustainable lifestyle once one accumulates enough wealth to support themselves without a job. Souffrant's down-to-earth style makes financial principles accessible, as when she explains the benefits of investing in index funds over individual companies by noting the latter "involves taking on more concentrated risk whereas investing in the overall market and passively waiting for returns on average can be a more efficient strategy" because of the "low work" and "low effort" required. The author is also unusually sympathetic to the notion that sometimes short-term spending can be worth postponing financial independence, as when she recounts her decision to splurge on a family trip to Disneyland instead of investing the money. Additionally, her suggestions are specific and pragmatic (her "25x rule" recommends saving 25 times one's desired annual spending before retiring). Approachable and sensible, this gets the job done" -- _cPublisher's Weekly, (2023).
650		0	_aFinance, Personal _vSelf-instruction.
650		0	_aBudget _vSelf-instruction.
650		0	_aBudget.
655		7	_aSelf-help publications. _2lcgft _9322522
994			_aC0 _bNFG
999			_c377257 _d377257