For decades, the formula for financial independence has been remarkably simple: earn more, spend less, invest the difference, and build a portfolio large enough to cover your expenses forever.

It's a strategy that's helped thousands of people retire years, even decades, earlier than traditional retirement.

But what if there's another way to create freedom?

Instead of replacing 100% of your income with investments, what if you also redesigned your work so you actually wanted to keep doing it?

In this episode, I sit down with Brian Herriot, author of Time Freedom, to explore why flexible work may be the missing piece of the FIRE formula. Brian introduces his Time Freedom Formula, explains why meaningful work doesn't have to end at retirement, and shares a practical roadmap for building a lifestyle business that creates income, flexibility, and purpose.

Whether you're pursuing Coast FI, full FIRE, or simply looking for more control over your time, this conversation will challenge how you think about work and help you discover another path to freedom.

Key Takeaways:

• Discover the missing third lever of financial independence
• Learn how flexible work creates freedom before full FIRE
• Understand Brian's Time Freedom Formula
• Explore lifestyle businesses that prioritize freedom over growth
• Build work you enjoy instead of escaping work entirely

Other Episodes You’ll Love:

How to Reach Financial Independence in 10 Years | E201 Chris Luger

Retiring Before 50? Here’s What You Need to Know | E196 Jesse Cramer

Tiny Quits That Build Toward Full FI | E194 Jess, The Fioneers

Guest Summary:

Brian Herriot is an entrepreneur, speaker, and author of Time Freedom. After questioning the traditional path to financial independence, Brian developed a framework that combines investment income with flexible work to create meaningful freedom sooner. Through his writing and financial planning, he helps people build lifestyle businesses and redesign their careers so they can enjoy more flexibility, purpose, and control over their time long before traditional retirement.

Connect With Justin

Email me at [email protected] or connect with me on LinkedIn.

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