BiggerPockets Money Podcast From $90K in Debt to Coast FIRE at 45
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Aug 26, 2025 In this episode, guest Aubrey Williams, a financial advisor dedicated to helping the FI and neurodiverse communities, shares his inspiring journey from $90,000 in debt to achieving Coast FIRE at 45. He discusses the crucial steps he took to increase his income and cut costs during tough times. Aubrey highlights the value of community support, the significance of personalized financial strategies, and how adaptability in decision-making led to his financial independence. Tune in for insights on overcoming setbacks and reshaping your financial future!
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Rock-Bottom Divorce Sparked A Restart
- Aubrey lost a lot in a divorce and ended up with $90,000 in debt and reduced savings.
- He moved from a three-bedroom house to a one-bedroom apartment while caring for two kids and rebuilding finances.
Cut Fees And Embrace Small Savings
- Stop paying excessive AUM fees and learn to manage basic investments yourself.
- Use many small frugal changes (like cheaper razor blades) that compound into meaningful savings.
Attack The Big Four Expenses First
- Prioritize the biggest expense categories first: taxes, housing, food, and transportation.
- Reduce housing and food costs drastically and replace high car payments with economical vehicles to accelerate savings.
