FI Minded: Achieve Financial Independence & Have Fun Doing It How to Create a 3-Day Workweek (Before You Reach FI) | E187 Andy Hill
Jan 14, 2026
Andy Hill, creator of Marriage, Kids, and Money and author of Own Your Time, shares how he transitioned to a 20–25 hour workweek, allowing more time for health and family. He discusses the concept of CoastFI to unlock flexibility even before reaching financial independence. Listeners learn about practical strategies to negotiate reduced hours and test part-time work safely. Andy emphasizes prioritizing life's true 'rocks' and suggests small experiments to ease into a less hectic lifestyle while still supporting financial goals.
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Life After Dropping To 20–25 Hours
- Andy shifted from a demanding corporate job to a 20–25 hour solopreneur life and now runs, gyms, and connects with family regularly.
- He credits regained health, parenting, and community time as the main benefits of owning his time.
Financial Strength Enables True Priorities
- The rocks/pebbles/sand parable shows priorities only fit if you have financial flexibility to choose them.
- Without financial strength, work often fills the jar and crowds out health and relationships.
Use Coast FI And An FU Bucket
- Use Coast FI: let existing investments compound so you can reduce work without ruining long-term goals.
- Build an FU-money bucket (about 12 months expenses) as runway before shifting to part-time work.
