We interviewed Rebecca Herbst earlier in the year about financial independence, improving financial literacy and effective giving. Rebecca is an early retiree and now spends her time working on her project to improve financial literacy, Yield & Spread, where 100% of the profits go to charity via The Life You Can Save. Rebecca is also on the board of directors for EA Salt Lake City. Yield & Spread: https://yieldandspread.wixsite.com/personal-finance/course-experience EA Salt Lake City: https://www.effectivealtruismslc.org/ CHAPTERS: 00:00 - Introduction and how Rebecca retired early and discovered effective giving 03:51 - How Rebecca feels about retiring early 05:01 - All about Rebecca's financial education project: Yield & Spread 07:27 - Some commonalities between effective altruism and financial independence 10:42 - What are some common mistakes people make with money? 14:48 - What should people be spending more money on? 15:44 - Different ways to think about managing money 21:30 - How Luke thinks about budgeting 26:49 - How much financial advice is universal 28:39 - Rebecca top financial tips related to giving 33:30 - Rebecca's thoughts on ethical consumption and ESG investing 41:06 - Resources on finance 44:08 - What can listeners do next? CREDITS: Production: Grace Adams Editor: Marco Shimabukuro Interviewer: Luke Freeman Guest: Rebecca Herbst