The Three by Three Principle

In today's episode, Cody and TJ interview Jillian from Montana Money Adventures. Join them as they dive into Jillian's financial backstory and learn how she overcame substantial adversity. Now, Jillian spends her time blogging, life/money coaching, and running a Mini-Retirement Course. Episode Summary Jillian grew up in poverty From a young age, she knew that money = options... she was always looking for chores to earn an extra 25 or 50 cents. She attended a bible college after high school and managed to save $8,000 during her time there Got married at 19 and adopted her first child at 21 Bought a camper for $5,000 and lived in it for a year Moved to Germany for several years Came back to the U.S. and bought a rental property Eventually bought two more rental properties Adopted 3 more kids and had one more kiddo with her husband Reaches financial independence at age 32 Allows children to make mistakes with money while the sums are small Only allow for a finite number of "cares" each day Jillian's 5-value system and 3-by-3 principle "Do what you love and expand your impact" Jillian talks about her life coaching, online courses, and day-to-day activities How to overcome your sticking points Find the source of your problems. Instead of swatting at the spiderwebs, try to kill the spider Key Takeaways Start your financial journey as early as possible! Money mistakes hurt a lot less when you're young and the sums are small. Jillian allows her children to understand the power of money by making money mistakes. It's never too early to start learning about personal finance! Conserve your "cares". Jillian only has a finite number of "cares" each day. She saves each "care" for the things are truly important. Don't let the minutia bog you down! Design a life that is so aligned with your passions and values that you never want to retire. After Cody asks Jillian when she plans to retire, she responds by saying that she never plans to "retire". She is so content with her life because she has aligned her passions and values with her daily activities. If you study yourself and understand what your purpose and mission are, you can do the same! Stop swatting at spiderwebs... kill the spiders. Often times, we misdiagnose our own problems and end up fighting the wrong battles. Jillian describes these misdiagnosed problems as "spiderwebs". Instead, we should focus on killing the spiders! Your time and energy are the most scarce and limited resources in your life. Some people think that money is our scarcest commodity. Jillian flips this ideology on its head and explains that time and energy are actually much more scarce than money. Join the Community We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in the FIRE Below Zero community! Join our Facebook Group Sign up for our newsletter Leave us a voicemail If you like what you hear, please leave a rating/review! FIRE Below Zero on iTunes FIRE Below Zero on Android Links from the Episode Jillian's Mini-Retirement Course Contact Jillian: Montana Money Adventures | Twitter Three-by-Three Principle Jillian's Five Values Fly to FI (Cody’s Blog) Half Life Theory (TJ’s blog)