The Time Freedom Podcast

Ten Spending Rules That Will Earn You More Freedom

Episode Summary

What if the way you spend money could actually make you happier—not just richer? In this episode, Brian and Kirby break down ten essential spending principles that will earn you more freedom faster. They explore how money influences happiness, why experiences often matter more than things, and how aligning your spending with your current life stage creates balance and joy. From smart tax strategies to understanding your personal inflation rate, they’ll help you recognize the difference between investments and expenses—and uncover the hidden costs that quietly drain your wealth. This conversation will leave you rethinking not just how you spend, but also make you a bunch of money (listen for #9, specifically).

Episode Notes

Top 5 Takeaways:

1. Money impacts happiness—but only when aligned with your values.
2. Experiences create more lasting joy than material possessions.
3. Protect your freedom with smart tax planning and insurance.
4. Understand the difference between investments and expenses.
5. Recognize hidden fees and start saving early to invest wisely.

Chapters:

• 0:00 – Introduction to Spending Strategies
• 7:19 – Understanding Money and Happiness
• 10:27 – Experiences vs. Material Goods
• 15:30 – Spending According to Life Stage
• 17:40 – Tax Strategies for Financial Freedom
• 18:36 – Protecting Against Major Loss
• 19:17 – Safeguarding Income & Investments
• 22:54 – Inflation and Personal Finance
• 24:47 – Investments vs. Expenses
• 28:36 – Hidden Fees That Erode Wealth
• 31:48 – Saving Early & Investing Wisely