The Personal Finance Podcast How To Design Your Dream Life with Andy Hill
8 snips
Jan 21, 2026 
Andy Hill, author and podcaster focused on lifestyle design, shares insights on achieving Coast FIRE and time ownership. He discusses balancing present enjoyment with future security, emphasizing a personalized spending plan tied to values. Hill advocates for prioritizing memorable experiences over excessive saving and suggests part-time work as a fulfilling lifestyle choice. He encourages listeners to redefine wealth as time freedom, allowing for exploration of new hobbies and deeper family connections.
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Use A Values-Based Zero-Based Budget
- Dream with specific goals and map income to expenses using a zero-based budget to close the gap toward your priorities.
- Aim to save 25–30% of income as a sustainable, high-impact rate rather than extreme deprivation.
Prioritize Memories Over Milestones
- Prioritize spending on experiences and relationships because memories yield lasting happiness more than milestone net-worth alone.
- Adjust your budget to fund those experiences and incrementally increase allocations month by month.
Coast FIRE Is A Practical Stop Point
- Coast FIRE lets current investments grow without further contributions, creating a practical stop-point for aggressive saving.
- That realization opens the question: what will you do with the freed time and money once you taper contributions?
