What if the secret to financial independence could be boiled down to one simple equation? In this episode of The FI Guys, we break down the core formula: Income – Expenses = The Gap. That gap is your savings rate, and it’s the true engine behind wealth building.

In episode 4 of the FI Drash Course, we dive into why most people think they have an income problem (spoiler: it’s often a spending problem), and how you can flip the script with intentional choices. From negotiating your worth at work and leveraging side hustles, to maximizing employer benefits (aka free money), we cover practical ways to grow your income and stretch your gap.

But financial freedom isn’t just about math—it’s about mindset. We explore conscious spending, simple financial habits, and how buying back your time can lead to real happiness. Along the way, we share stories, sound bites, and actionable steps to help you align your money with your values.

If you’re ready to stop guessing and start building wealth with intention, this episode is for you.

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⏰ Timecodes ⏰

00:00 The Equation for Financial Independence

04:57 Understanding the Gap: Income vs. Expenses

10:42 Overcoming Fear: Embracing Side Hustles

19:28 Mindful Spending: The Key to Financial Freedom

23:04 Buying Back Your Time

27:57 Understanding the Big Three Expenses

36:01The Importance of the Gap

42:01 Final Thoughts and Action Steps

#financialindependence #wealthbuilding #moneyhabits

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Disclaimer: The FI Guys is a podcast dedicated to providing general information and insights on a wide range of wealth-related topics. The views and opinions expressed in this podcast are those of the hosts and guests and do not constitute personalized financial advice.

The content provided in this podcast is for educational and informational purposes only. It should not be considered a substitute for professional financial advice. Your financial situation and goals are unique, and the information provided here may not be applicable or suitable to your specific circumstances.

We, the hosts and guests on The Fi Guys are not acting as your financial advisors. We are not aware of your individual financial situation, risk tolerance, or investment objectives. Any decisions or actions you take based on the information provided in this podcast are your own and made at your own risk.

The content in this podcast is for informational purposes only and should not be considered financial advice. We do not endorse specific products or services. Past performance doesn't guarantee future results. The opinions expressed are those of the hosts and guests, not the podcast sponsors.

It is crucial to consult with a qualified financial advisor or professional who can provide advice tailored to your specific needs before making any financial decisions, investments, or taking any other actions. If you are seeking specified help, you can reach out to Chris at https://www.monzonwealth.com/