Intro

Discover the secrets to early retirement and financial independence from a tech industry veteran!

In this episode, we dive deep into the inspiring journey of Kristine Howard, who transitioned from a dynamic career in tech to a life of early retirement, reaching financial independence and personal fulfillment along the way.

Key topics discussed:

• Learn why tracking your expenses is the key to financial freedom
• Master the balanced money formula for budgeting success
• Uncover smart investing strategies, including the power of index funds and diversification
• Understand how aligning your career with personal values can lead to greater satisfaction
• Learn the “4% rule” and how it can help determine your retirement readiness
• Gain insights into the emotional journey of transitioning to early retirement
• Hear the unexpected benefits of early retirement, including more time for personal growth
• Discover the three keys to staying healthy in retirement: staying active, engaged, and contributing

Whether you’re just starting your career or dreaming of early retirement, don’t miss out on these valuable lessons for achieving financial independence and living life on your own terms!  

Timestamps:

(02:07) Career Turning Points

(07:01) Getting into Early Retirement

(09:16) Financial Independence vs Early Retirement

(10:13) Can We Reach Financial Independence?

(11:56) The Shares/Equity Lever

(15:43) Working in Startups vs Corporates vs Big Tech

(18:34) The Importance of Financial Tracking

(23:36) Building Automation & Doing Periodic Reviews

(29:17) Focus on the Spending Rather than Income

(30:43) Budgeting

(33:12) Trade CapEx for OpEx

(35:36) Saving & Investing

(38:53) On Diversification

(41:17) The Importance of Emergency Fund

(43:12) How Did it Feel Getting Closer to Retirement?

(48:19) The Feeling of Significant Income Drop

(51:01) Things Anyone Can Do Even Before Retirement

(56:00) 3 Tech Lead Wisdom

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Kristine Howard’s Bio
Kristine Howard is an American-Australian residing in Sydney, Australia. Her extensive career features significant roles within technical teams at prominent companies such as Channel 9, Canva, and AWS. She is married to the Snook, and together they share a passion for global travel and culinary exploration. Kristine also expresses her creativity through knitting and sewing, finding joy in crafting handmade items. Notably, she has shared her expertise and insights at over 100 tech meetups, conferences, and events worldwide.

Follow Kristine:

• LinkedIn – linkedin.com/in/kristinehoward
• Blog – web-goddess.org

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