Financial freedom does not always mean saving enough to retire early. For many, it means adjusting their career and their lifestyle, so that they love what they do, and also love their life.

It’s important to make a dream list and be as thorough as possible. If you get crystal clear about what you want out of retirement – down to the last detail, including:

• Where you’ll live?
• How you’ll spend your days?
• How you’ll contribute to your community?

… then you’ll be able to figure out how much money you need to get there.

In 2014, I realised I wanted to work for myself, can work from anywhere, ta make an impact and help others and most importantly; do what I love – every day. I WANTED (and still want) FREEDOM!

Over the years, I’ve learnt one (of many) VERY important lesson:

“One of the most powerful ways to change your life is to downshift your spending to be in line with your peace of mind. Then, as you grow your success, grow your savings and investments, rather than growing your lifestyle. You’ll find far more success without the financial stress, and you’ll be better prepared to weather economic downturns, such as pandemics and bubbles, without the accompanying fear.”

I’ve learned there are many, many choices in creating a career/business, and a lifestyle, which will allow me to live the way I want now, without waiting for retirement, yet keep my mind active and leaning into retirement, if I choose.

• What is your ideal lifestyle?
• How could you begin working towards that lifestyle now?

“Instead of working toward retirement, work toward your ideal lifestyle. There is usually a path to get there in a few years instead of a few decades.”

~ James Clear

If my words have helped you, a small contribution here will allow them to continue reaching the women who need them most. Also, don't forget to join me on Substack, where I share my Love Notes, a gentle pause in your week to reflect, realign, and reconnect in midlife. It’s not just another newsletter; it’s an intimate circle where I offer fresh intentions, soulful prompts, and simple but powerful shifts to inspire purposeful, creative living. Together, we’ll uncover the small but meaningful changes that help you design a life that feels beautifully your own.