Financial Independence Without Becoming a YouTuber
Summary
TLDRThe speaker challenges the notion that financial independence is only achievable by high-income earners like YouTubers or entrepreneurs. Sharing his personal journey, he details how he pursued financial independence on a modest salary, emphasizing the importance of saving and investing. He critiques common financial independence strategies, pointing out flaws in assumptions about investment returns and living expenses. The speaker advocates for a broader view of wealth that includes personal growth, experiences, and relationships, suggesting that financial independence is just one path to a fulfilling life.
Takeaways
- 😀 The speaker emphasizes that financial independence is achievable without being a YouTuber or entrepreneur, as they pursued it on a modest income.
- 🚀 The speaker started their financial independence journey with an annual income of around $40,000 CAD, highlighting it's possible to begin with limited means.
- 💼 Initially working as a financial advisor, the speaker found the industry unsatisfactory, which is a reminder that one's career path can change.
- 📊 The script details the importance of tracking income, expenses, savings rate, and investment returns for a clear path to financial independence.
- 🏠 Living a frugal lifestyle early on allowed the speaker to save a significant portion of their income, demonstrating the impact of living expenses on savings.
- 📈 A career progression led to increased income and savings, but the speaker also moved in with a partner to reduce costs, showing the benefits of shared living.
- 🤔 The speaker critically examines the FIRE (Financial Independence, Retire Early) movement, pointing out that it may not be feasible or desirable for everyone.
- 💡 The script introduces the concept of the 'four percent rule' for retirement, which is a common strategy in the FIRE community for sustainable withdrawals.
- 🔄 The speaker acknowledges the unpredictability of investment returns and the challenges of sticking to a strict budget, which can complicate financial independence plans.
- 💰 The importance of income is underscored, as it scales differently than expenses and is a key factor in achieving financial independence.
- 🌟 The speaker concludes that while financial independence is a valuable goal, personal growth, experiences, and relationships are equally, if not more, important forms of wealth.
Q & A
What is the main question the speaker aims to address in the video?
-The main question is whether financial independence is possible for people who are not YouTubers or entrepreneurs with high incomes.
What were the speaker's earnings when they began pursuing financial independence?
-The speaker was earning around $40,000 per year in Canadian dollars, which left them with approximately $3,000 per month after tax.
What two reasons does the speaker give for discussing financial independence?
-The first reason is that the speaker started pursuing financial independence years before becoming a YouTuber. The second reason is the feedback from the audience expressing frustration with financial independence advice that seems unrealistic for those not in high-income internet-based careers.
Outlines
🤔 The Myth of Financial Independence for the Average Person
The speaker begins by challenging the common notion that financial independence is only achievable for high-income individuals like YouTubers or entrepreneurs. They share their personal journey towards financial independence, starting with a modest salary as a financial advisor in training. The speaker highlights their initial annual income of around forty thousand Canadian dollars, which equated to a monthly post-tax income of approximately three thousand dollars. They emphasize that financial independence is a realistic goal for many, contrary to what is often portrayed in media, and they aim to address the common frustrations and difficulties faced by viewers who do not belong to high-income professions.
💼 Early Career Progression and Financial Planning
The speaker discusses their career progression from a financial advisor in training to higher positions with increased compensation, eventually reaching an annual income of around 70,000 dollars plus a pension matching program. They detail how their savings rate increased as their income grew, allowing them to save significant amounts each month. The speaker also shares their early attempts at financial planning, including projections of future income, expenses, savings, and investment returns, aiming for a total wealth of one million dollars after 16 years. They critique the assumptions made in their early financial models, such as a constant 7% annual return on investments and living off 40,000 dollars per year, pointing out the flaws and unpredictability in these projections.
🏦 The Impact of Banking Choices on Financial Growth
The speaker recounts their experience with a traditional bank that offered minimal interest on deposits and charged fees, which hindered their financial growth. They then highlight the benefits of switching to Neo's money account, which offers a higher interest rate, no fees, and additional perks like a cash back debit card and credit card. The speaker praises Neo for its CDIC insurance and the positive impact it has had on their financial journey. They also mention a referral program for Neo, encouraging viewers to sign up for the service.
🚶♂️ Embracing a Minimalist Lifestyle for Financial Independence
The speaker delves into the extreme lifestyle changes they made to achieve financial independence, such as living on a very tight budget, biking to work, and maintaining a minimalist daily routine. They acknowledge that their approach to life, which includes a lack of material possessions and a focus on simplicity, is not the norm and may not be suitable for everyone. The speaker also addresses the limitations of living on a small amount of money and the challenges of adhering to such a strict lifestyle.
👥 The Complexities of Shared Life and Financial Goals
The speaker reflects on the complexities that arise when building a life with a partner, as opposed to living alone. They discuss the book 'Die with Zero' and how it influenced their views on spending money on experiences before the age of 40, as these can lead to more enriching life experiences. The speaker also acknowledges that their personal philosophy and approach to financial independence have evolved over time, moving away from the idea of wealth as solely a bank account balance to a more holistic understanding of wealth as personal growth and experiences.
💼 The Overlooked Importance of Income in Achieving Financial Independence
The speaker argues that the key to financial independence is not just about saving and cutting expenses, but significantly increasing income. They point out that while expenses have a natural limit, income has the potential to scale much higher. The speaker criticizes the financial independence community for focusing too much on small savings instead of advocating for income growth. They also touch on societal issues, such as the challenges faced by nurses and other essential workers, and the broader implications of a society where fulfilling one's career and financial aspirations are increasingly difficult.
💭 Redefining Wealth and Financial Independence
In the final paragraph, the speaker shares their evolving perspective on wealth, which now encompasses personal growth, experiences, resilience, and relationships, rather than just monetary value. They acknowledge the limitations of the financial independence (FI) philosophy for the average person but also recognize its value as an entry point for learning about money and personal empowerment. The speaker concludes by advocating for 'fundamental independence' as a more holistic and attainable goal than traditional financial independence.
Mindmap
Keywords
💡Financial Independence
💡YouTuber
💡Entrepreneur
💡High Income
💡Savings Rate
💡Investment Return
💡Four Percent Rule
💡Expenses
💡Income Scaling
💡FIRE Movement
💡Neo Money Account
Highlights
Financial Independence is often discussed by high-income earners like YouTubers or entrepreneurs, but it's also possible for those with more traditional jobs and lower incomes.
The speaker started pursuing Financial Independence on a modest salary of CAD 40,000 per year, emphasizing that high earnings are not a prerequisite.
The initial monthly savings rate was around CAD 700, demonstrating that even with a small income, saving is possible.
A significant salary increase to CAD 47,500 allowed for nearly doubling the monthly savings.
The importance of living expenses and how they can be managed to increase savings, even on a modest income.
The role of a pension matching program in boosting total compensation and savings potential.
A projection model for financial independence based on a 5% annual income increase and a 7% annual return on investments.
The four percent rule in financial independence planning, allowing for a sustainable withdrawal rate from savings.
The speaker's realization of the impracticality of living on a fixed amount of money without considering lifestyle inflation.
The limitations of relying on traditional banking with low-interest rates and high fees, and the benefits of switching to a high-interest money account.
The unpredictability of stock market returns and the impact on financial independence planning.
The challenge of adhering to a minimalist lifestyle to achieve financial independence, which may not be suitable for everyone.
The idea that financial independence might require deviating from societal norms and the potential difficulty of this for most people.
The importance of income in achieving financial independence, and how increasing income can be more impactful than reducing expenses.
The societal implications of people leaving essential roles due to low income and the impact on the broader community.
A shift in perspective on wealth, viewing it as more than just monetary and including personal growth and experiences.
The concept of 'fundamental independence' as a more holistic approach to life, beyond just financial independence.
Transcripts
it seems like everybody talking about
financial Independence is a full-time
YouTuber or an entrepreneur of some sort
right essentially someone with a high
income but you might be watching these
videos thinking well I'm not that
because most people aren't YouTubers or
entrepreneurs although sometimes it
seems that way today so it begs the
question is financial Independence
something that is possible for folks who
watch these videos or is it just a bunch
of BS I wanted to try and answer this
question with you today for two reasons
the first reason is that I started
pursuing Financial Independence years
before I started a YouTube channel when
I began my journey I was making
something like forty thousand dollars
per year Canadian dollars which left me
with something like three thousand
dollars per month after tax we'll talk
more about the details of my journey
later on what I think it means for you
but for now I just want to make it very
clear that for me in my case YouTube is
something that came later and that in
the beginning I was starting pretty
small so I'll speak to that the second
reason is because after releasing my
most recent video where I was pretty
critical of the fire movement it was
really interesting for me to see you all
sharing your different experiences and
thoughts pertaining to this and one
theme that kept consistently coming up I
noticed is the frustration and
difficulty many of you were feeling who
were not working in an internet money
career path which is the case for most
people right you felt like the things
YouTubers talked about sometimes were
just pipe dreams for you I would like to
explore whether or not you may be right
to feel that way actually no I'm gonna
spoil it a little bit right now by
saying yes you absolutely are right to
feel that way and if you want to stick
around and chat with me today I think
you'll hear a few different things in
perspectives than you may have heard
before so let's start this dialogue by
heading back to the beginning when I was
an even younger man on the cusp of this
financial Voyage several years ago I
landed my first real job as a financial
advisor in training at a investment firm
and like I said earlier if I remember
correctly my base pay was somewhere
around forty thousand dollars per year
which left me with something like maybe
twenty seven hundred dollars after taxes
per month and I went into this job
because I was thinking hey I'm gonna be
able to help people learn about and
manage their money and maybe even teach
them about financial Independence this
is this is going to be great
yeah no no no no no no no no it was not
this industry is just a complete sham
anyway many of you already know this
story so let's not get sidetracked today
I'd like to take you through a bunch of
numbers here so just bear with me I
think it'll actually be really
illustrative and interesting so we're
going to be going over the green section
here first and to quickly explain what
we're looking at the green section was
essentially the period of time that I
actually experienced working in this
kind of more traditional career path and
then later on we're going to move into
the orange section which is the
projections that I made out at that time
into the future and to quickly explain
what we have here going left to right we
have annual income monthly after tax
income monthly expenses my savings rate
how much has been saved and invested and
then the return on that investment and
then if we combine those two we get the
total wealth column which again is just
equal to the investment column so that's
all the money I'd saved and invested and
then plus the return on investment
column as that obviously increases the
amount that you have invested so in the
first year my expenses at the time would
have been somewhere around two thousand
dollars rent was about 1300 where I was
living and at this time I walked to work
I ate simple but really healthy meals I
had a gym in my building I had a yoga
membership but other than that I
basically lived you know a very simple
lifestyle and spent very little money on
anything else so at the time that
resulted in about six or seven hundred
ish let's say in savings per month which
worked out to somewhere around eight
thousand dollars per year
it's not exactly what it takes to retire
early but it's also not nothing now some
of you at this point may be hearing that
two thousand dollars per month number in
expenses and thinking like how the hell
are you how the hell did you do that
that's that's crazy low we'll come back
to this it's very very important to talk
about and maybe not for the reason that
you think now fortunately later that
year I jumped ship into a new job with a
starting salary of around 47 500 which
bumped my income up to about thirty two
hundred dollars per month after tax so
now I could save almost double what I
was before so bumping my total savings
per year up to about ten thousand
dollars again not exactly early
retirement worthy but I was pretty happy
with this this was a very meaningful
number to me now eventually working at
this new job I would move through the
ranks kind of progress in my career
I guess sort of quickly considering how
a few years actually elapsed but
basically my total compensation went all
the way up to around 70 000 per year
plus a pension matching program and this
punching pension matching program was a
pre-tax benefit so it's gonna make the
after tax monthly amount look a bit
weird here by the way now at this point
in my life I had moved to a new location
um and because of my job so this had a
higher cost of living associated with it
but at this point I had also moved in
with my partner which uh as you know for
anyone who's done it if you're splitting
costs equally it can greatly reduce the
amount of monthly expenses that you have
so now between my income and my expenses
I was able to save really significant
money and this is basically where I left
things at before I decided to start a
YouTube now let's turn our attention to
the orange section of the sheet and
remember I said that if we went back in
time this would be what I was projecting
out into the future after that three
year mark that we have covered in the
green section and this is projecting it
out into the future if I was continuing
to work at my old job so essentially
what I've done is I basically tried to
model out my entire trajectory towards
Financial Independence in a way that
I've simplified here so I've basically
used a few basic assumptions that would
then show me what would happen if the
future played out like that so for
example I assumed my income would
increase by about five percent per year
which would give me an income of about a
hundred and thirty thousand dollars
after working for 16 years which I
thought was pretty reasonable given the
trajectory that I was on and I also
decided to apply the same as assumption
to my expenses as well because my
thought process was that I would only
allow my expenses to increase to the
degree that my income did to try and
keep kind of a constant ratio between
those two things and then for my
investments I assumed the often quoted
seven percent annual return which left
me with a total wealth of about one
million dollars at that 16-year Mark now
this is a very important point in time
because this was the point at which I
thought my journey to financial
Independence would be considered
completed why because at this point in
time you would reach a very significant
Point using something called the four
percent rule with which many of you will
be familiar with if you're at all
familiar with the the fire movement
basically you can withdraw four percent
of your total wealth and live off that
so once that four percent number equals
your expenses you can be financially
independent and in my case I thought
that if I had a million dollars I could
withdraw forty thousand dollars per year
and that would be good for me so as a 22
year old kid or something whenever I
decided to kind of make this plan and
model everything out that all sounded
pretty good to me right I just needed to
hit that million dollar Mark live off
forty thousand dollars per year I would
be set 16 years and I Steven Antonio
will be a free man well actually you see
here young Steven
um there's a few problems with that
actually quite a few problems and if you
would allow me I would like to take you
through several of those and then point
out what I think are the biggest ones
and the first of these problems was that
this young man was not using Neo the
sponsor of today's video obviously I'm
joking but I'm also kind of not because
at this point in my life I was banking
with a bank that only gave me something
like
0.01 interest on my deposits it charged
me ten dollars per month to use my
accounts and just other garbage features
in general that was essentially costing
me a pretty good amount of money and not
really doing anything to benefit me
fortunately back in 2021 I switched to
start using Neo's money account which
now earns me 2.25 percent interest on my
money has zero monthly or annual fees
unlimited free e-transfers and also
comes with a high cash back debit card
that I can use to spend money out of the
account as well as withdraw cash from
ATMs they also have their no annual fee
High cash back credit card which I
personally use as by main credit card
because that is pretty much just an
unbeatable combination no annual fee
High cash back you can't really go wrong
and of course using Neo your money is
guaranteed by cdic Insurance up to a
hundred thousand dollars just like it
would be at any major bank so in my mind
there was absolutely no reason not to
switch and a whole bunch of reasons to
switch and I have never looked back
since if you go to the link in my
description you can sign up for the
money account and get 25 added to your
account when you deposit at least fifty
dollars and you can also get 25 if you
decide to open up the Neo credit card as
well and by the way Neo has a referral
program which you can use which means
that if you sign up you decide you like
it you get that fifty dollars and then
you can refer your friends family
whoever spread the love around and
everybody can continue to earn more of
those fifty dollars and with that said
Thank you to Neo for sponsoring this
video and for being a continuing
supporter of my work okay so in addition
to the problem of not being signed up
with Neo we have also have a critical
flaw in the investment return assumption
here because you hear all the time that
the stock market returns something like
seven percent per year right but if we
actually look at how the stock market
performs we can see that it does not
return seven percent per year it
actually basically never returns seven
percent per year you see that quote that
everybody uses is they're talking about
seven percent as an average but in
reality the returns from one year to the
other they're all over the place so
given that we know that what if I
changed the sequence of returns here to
not be just seven percent every year but
to actually be a random sporadic
sequence of returns that we actually
experience in reality well we can see
that in this case I've changed the
numbers to include a few drawdowns and
it's actually added an extra three years
to this plan now don't get too caught up
on that three years specifically the
point isn't that oh no I'll be three
years late exactly the point is that a
we definitely can't predict the future
and B it almost certainly won't be a
clean seven percent from one year to the
next so reality will almost certainly
not follow our projections now what
other flaws do we have
perhaps we should talk about that forty
thousand dollar assumption the
assumption that I was going to be living
off of only 40K per year to many people
that is going to sound Preposterous
mortgage car payments Insurance Health
Care kids socializing entertainment
Hobbies traveling
Etc all with the inflated values of
today yeah good luck with that ah but of
course now as soon as you start saying
this a certain type of people will start
coming out of the woodwork and telling
you well of course it's possible of
course it's possible Steve you can live
off forty thousand dollars per year just
use maybe some Geo geographical
Arbitrage why don't you go move to
Thailand move to Indonesia well yes but
have you considered if somebody does not
want to live in Thailand imagine that it
looks gorgeous I've heard great things I
love the food the martial arts really
cool and I plan to visit but live there
probably not for me and for many of you
watching I would think that the answer
is probably the same yes you're you're
living where you live presumably because
you want to live there oh Steve but what
about what about budgeting what about
money saving hacks and tips what about
living a simple life what about what
about what about there really is no what
about
the truth about living off of a very
small amount of money is that you
essentially have to accept living a very
extreme lifestyle relative to most
people yes people have and do do it I'm
very aware you don't have to list the
success stories in the comments okay you
can take your fingers off of the
keyboard after all I'm one of those
people but this is where I think the
fire movement falls apart for most
people who are consumers and not
producers of fire related media so I
didn't need to move to Thailand I lived
off of around two thousand dollars per
month in Toronto an area with a very
high cost of living and I did so with a
very Bare Bones pretty hardcore extreme
lifestyle and guess what
I really enjoyed it it was great
but it was great for me I'm not going to
speculate as to why today but I just
find myself tending to be better with
less less in my mind less in my fridge
Less in my schedule just less everything
my daily routine back in that day would
have looked something like this I would
wake up early
I would bike 10 kilometers to work have
no breakfast then I would work and then
for lunch I would eat the same thing
every day that I prepared the weekend
before and then I would bike 10
kilometers home
come home meditate either go to the gym
or to yoga and then eat the same thing
for dinner every every day and then take
and then if it was a nice day out I
would take a book with me to the park
read until sundown and then go to bed
early I was new to the city I knew very
few people I didn't own I didn't even
own a TV I was strictly casual
romantically and I very intentionally
had very few responsibilities in my life
so I had about as much control over my
day as like somebody could possibly have
minus having to work a nine to five job
and in this type of daily routine
I thrived I want to stress that I think
I am very weird at the time I did not
know anyone who was living their life
that way nor did I know anyone who would
want to listen to this day I literally
watch maybe one to two TV shows per year
and I'm I'm not exaggerating unless
something really really speaks to me I
am just not interested and that's why I
keep mentioning Vinland Saga because
that's one of the most recent shows
that's really had a big impact on me I
really really like it but that's the
only one I can think of in like recent
memory I listened to like
maybe three albums per year max if I had
to think off the top of my head the last
ones that I'd actually listened to
would have been sure by Fleet Foxes than
Kendrick's newest album and now feist's
latest album multitudes I really like
and we actually saw her perform a very
small 50-person concert uh before she
released her album when she was still
working on the music she did like a cool
Residency program at this place in
Toronto which was really cool to see but
otherwise
I basically never listened to music I I
literally drive my car in silence okay
I'm giving these few examples to say
that I'm very aware this is abnormal and
I want to make it very clear that this
is not something that I try to do or use
like will power to like limit the amount
of stuff that comes into my brain no I
am like this is innately the way I am so
the summation of all of this is I think
it is much much easier to incorporate
fire into your life if you also find
that you deviate from a lot of other
social norms otherwise yeah I think it's
going to be pretty tough sure maybe
you'll reach Financial Independence in
your 40s or your 50s which is a bit
earlier than maybe the average
retirement age but if you're after that
kind of illustrious early retirement in
your 30s the goal that everyone seems to
be pining for
I think it's gonna be pretty hard
because most people are not going to be
cool with living off of only forty
thousand dollars per year for the rest
of their life at that point and how can
I say that with some confidence well
because even me a weirdo who innately
did the whole monk mode thing before
that became very recently popularized I
realized that life is best when it's
shared and when it's shared it comes
with a whole host of things that you
can't project out in a spreadsheet
building a life with someone is much
much much much much different than
building your own additionally as it's
really nicely put in the book die with
zero which I think everyone who is
interested in financial Independence
should definitely read my friend Maddie
recommended it to me because he knew all
the crazy stuff I was thinking about
financial Independence and it was a
really great kind of counter Viewpoint
to a lot of of it but basically the
author makes the case that there's
actually an optimal window to spend
money on certain things like experiences
whether that's travel or other related
things and that optimal window kind of
happens before you're 40 years old
because after that point things start
happening in your life that's going to
prevent you from having more interesting
experiences you know you just get older
it becomes much harder to do crazy
things like multi-day treks to give an
example of a lot of the different things
that I would like to do and not to
mention the formative effects having
those experiences earlier on in life
will give you and then will constantly
enrich your life as you continue to grow
older so so far we've identified two big
problems here the requirement of being
able to deviate from a lot of social
norms which is by definition difficult
for most people to do and number two the
willingness to live off of a very small
amount of money now but Steve what if I
waited until I reached Financial
Independence until I had a lot of money
so I didn't have to live off of a small
amount of money this brings me to
problem number three perhaps the biggest
problem of them all
income let's think about something for a
moment why is it that YouTubers
entrepreneurs social media personalities
whoever
seems to be the most vocal ones on the
stage of financial Independence and of
course you can include me in this group
it's because we earn high incomes
the road to financial Independence for
the average person is like the roads in
my hometown
barely any lines
full of potholes just downright
treacherous
the road to financial Independence for
somebody with a high income
is like the Autobahn the FI Community
puts such an emphasis on nickel and
diming on saving and expenses but in my
opinion the real key
is income I mean it let's just think
about it logically for a moment
expenses just don't scale the same way
that income does after a certain point
your expenses are just going to hit a
ceiling I mean there's only so much
money a reasonable person can spend in
their life there is a quality of life
that can be achieved with a certain
level of expense expenditure that is
going to satisfy most people
but income on the other hand that scales
in a completely different fashion and
the Inconvenient Truth is while it may
be easier and more fashionable to tell
somebody to save a few bucks by making
iced coffees at home
it's a lot more difficult to tell
somebody the truth which is that hey you
kind of have to increase your income
from fifty thousand dollars to a hundred
and fifty thousand dollars it's hard to
tell someone if freedom in your 30s is
really what you desire then you kind of
have to massively skew your efforts and
your energy towards increasing your
income as opposed to decreasing your
expenses I mean tell that to a nurse in
Ontario who's only entitled to receive
something like a one percent raise every
three years oh they should just quit and
go into a higher paying industry
uh yeah that's that's what's happening
but that's not a good thing because
that's a net loss for society because
we're kind of running low on nurses and
I think this is just one of many
examples across a whole bunch of
different Industries right now and May
maybe I'm wrong but from my perspective
it seems like we're kind of reaching a
bit of a boiling point here where
people's frustrations are just kind of
hitting their limit the inability for
people to lead a standard and fulfilling
life while working a job that is
actually integral to the function of
society is crazy to me in the modern
world yeah no things are way better
than they were a thousand years ago
Stephen Pinker this Stephen Pinker that
but that's exactly my point
things are so good that there is
absolutely no reason why somebody who is
so essential for the function of a
healthy Society like a nurse should be
frustrated to the point where they are
quitting in droves so yeah I think it's
pretty incorrect to talk about fire as
if it's something that anybody can or
should do
unless they are willing to unless they
are willing to or naturally
predisposition to deviate pretty far
from a lot of social norms and yet
I can't think of any philosophy out
there that is a better Gateway or entry
point to get into to learn about the way
to learn about the world of money and to
empower yourself you see as much as I've
been critical about fire lately it was
the philosophy that I found that caused
me to become obsessed with learning
about money because that end goal of
being able to break free from the
perceived system was exactly what I was
looking for so it was my Gateway but
just because something is a gateway
it doesn't mean you have to keep walking
on that trail because if you look around
within the same park you just entered
into you'll see that there's a whole
bunch of different trails and maybe a
different Trail is now better suited for
you and who you and what you want out of
life ultimately at least in my case
which is the only thing I can really
speak to my perspective on wealth
has changed is changing and I'm sure
will continue to change but at this
point I see wealth as less and less the
number in my bank account and more and
more as the wealth contained
within my own being I guess to put it in
a frustratingly vague way I suppose I
mean the information and experiences
that I accumulate the capacity I have to
endure hardship or to lend a helping
hand to someone the ability to separate
the wheat from the chaff mentally
speaking the vitality and strength of my
physical body
and my relationship with which we make
hesitatingly call the Divine and if any
of that sounds pretentious to you you
can Google the song Sorry by Beyonce go
to the first verse look at line number
five
you have my response to you half Jokes
Aside all of those flowery things that I
just listed I believe are very strongly
correlated to one's ability to generate
wealth monetary or otherwise at least
that has been my observation in my own
life and others around me Financial
Independence is good
but I think fundamental Independence is
better and
that does not require a YouTube channel
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