I can make September 11th and 25th! Could you email me the link: fi@xinx.digital

That's it! I don't care about anything else except for this. Consistency is the hardest thing for me. I'll take one week off the first week of September from these two things

I set a reminder for 8/15 to check in here

So glad Ginny! Better late than never is so true

https://us02web.zoom.us/j/8...

Wow, what a title and offering! Made me click on it ✅ 

Why do I love the idea of the information only being given to the live audience? I would say then that people should get to choose from more live sessions

Also... Is there enough time? I've been to Q&A calls and didn't get my question answered a few times in a row and I finally gave up on it 😁

I know there is an area to share questions first, but it was more of a dialogue type question versus a clear cut yes/no/do this directive I needed. 

Thank you!

Wow! 39 connection calls! What is a connection call? How was the quality of the conversation? What came out of it? It sounds like you made progress last month!

This is great. I imagine there are a lot of people in this situation. No real feedback. Thought it flowed really nicely. Might add one more example of a "bitcamp" so people could see additional relevant ways it could help.

Hi Fi! 

I love the reframe of bootcamp with biteCamp. The post has a nice leadup but I wonder if we're burying the lede a bit. Maybe tease something about BiteCamps sooner. I can almost see the whole series starting on slide 5 and weaving in his bio in the you don't have to do it alone section. Just a quick note, there's a small typo on the second to last slide :) Cool offer and love the doorway perspective too. 

Hola! Class is starting now! Come work on launching your group program. It's joyful!

I'm trying to get in but don't have the password...

I love and appreciate your vulnerability. I also agree with most of your points. I would ask one more thing... If they are already overcommitted with other courses, I'm wondering if there is overlap between your course and those courses. And maybe even asking them which courses those are. George mentioned once that he asks himself "Well can I offer that?" Or something that keeps that in mind.

Hi - thank you for tagging me! I ended up in another coworking session oh my gosh. When is the next one?

Yes! My content planner is a spreadsheet and so is my submission tracker! ✨ 

I definitely want/need to do ABC again next year, so I'm happy you're sharing now!! I like that JoyPro is included, yay! I like the themed meetings :) 

This is so great! Can I come in at 8:30 Pacific?

1. What's your freedom number? $6000/mo if I'm living in the US and still have the usual bills we have! If we've managed to pay off the house, $2200/mo. Our mortgage and HOA is $3800. We have 15 years left. We have no kids and no pets. We've managed to cut our "rent" down to $900-$2000 a month living on the road full time. Our "net worth" number that we want to hit is $2 million by the time we retire (if we retire in the US). We're at about $720k in net worth. We're 35 and 34.

2. How aware are you of your monthly expenses... if I gave you 10 minutes could you give me the average amount of the past 12 months? Very. We look at finances weekly right before I head to my DA meeting for the week HAHA. 

3. Might it be helpful to move somewhere cheaper? I moved from California to Mexico and instantly saved about $2K USD monthly, without reducing our lifestyle. Plus, the CD savings return rate here is 10% (!). 10% is amazing. Yes, it would help to move somewhere cheaper and we've done that - we left Silicon Valley and pretty much anywhere else is cheaper LOL. And we're one of those spoiled work-from-home couples that have the freedom to move around. Yes, it's a huge privilege. Yes, I try to give back at every opportunity I can.

Or how else might you reduce your expenses if you aren't yet at your freedom number? The fastest way to earn money is to save it :) One thing I'm working on (I go to weekly DA meetings) is compulsive shopping. At best, I spend $200/mo on compulsive online shopping. At worst, I've spent $3000 in ONE month. Oy. Embarrassing. I have a lot of shame about this! Yes, I had the savings but there was no need to buy so much nonsense. And I did return some of it. When I graduated college, I had $18,000 JUST IN CREDIT CARD DEBT. It took so long to dig myself out of that.

4. Are you investing on a regular basis for your retirement?  I have a hobby-passion for helping people understand how to invest wisely for the long term.  We can discuss this anytime in our ABC Q&A calls. Yes, we invest but we're trying to cut down expenses to invest even more. Happy to get more advice on this! We work with a financial planner for bi-annual check-ins.

5. What's your plan for getting to your freedom number?  This is something we can certainly help you optimize here in ABC. I love this SO MUCH. Right now, we're working on building up my partner's coding community and we're taking on clients as they find us (no outreach). I'm in grad school and hope to pivot careers when I'm done. We left a HCOL area and are moving more into LCOL areas. I've drastically changed my online shopping habits (can share more about that if needed). Earlier, I used to keep trying to increase my income to keep up with expenses. It led to so much stress and churn and capitalist grind that it was soul-killing. Now, I'm practicing essentialism with our money. We both opened the business because we realized that, if we do it right and keep working at it, we could eventually get to a point where we can either sell it or let go of the daytime jobs that we have. We were growing in a big way the first two years (nearly 30% each year) but then this year, we've slowed WAY down because I had a lot of family issues.

Hope this helps you George! Excited to talk about this shame-inducing stigma-filled topic! I've read books on spirituality and money as well, to heal my relationship with money! Excited for this new turn

Okay finally had some time to sit with this.

#1 - I quit my job in July of 2018 with 10K in savings, and my husband making $20 or so an hour on a 40-hour week. 

So, my freedom number would have to be a number that meant, I could quit my business now, 6 years in! 🤣

Things have changed for us immensely, back then, our rent was $900, and now the rent is $2600 (yes in a different place) but that’s how much rent has increased in the last 6 years here. 

Back then, we could have survived on… probably $3,500 a month? Our vehicles were paid for, we had no debt, etc so it was easily manageable. 

Now? The way I handle my revenue is, categorized in 3 different ways.

Essentials – as in, no extra planning – this is the skate by and not spend any extra amount.

Essentials + Tax Savings this is the money that the government is expecting from me every year.

Essentials + tax + “The Plan” – the plan is how I prepare for all annual expenses, in order to not have to use credit cards, so I have multiple accounts, things like debt pay off, medical care costs, business expenses, emergency savings, plus long term retirement planning etc etc.  But even things like haircuts, vacation, and so on. Even with paid health care here, there are always additional costs.   

So, in terms of a “freedom” number, at this point? I want to call it my “Dreamy Dream” number instead because I already feel very free - I’m going to go on the high side and say $10K-$12K per month to have a full buffer in all those accounts including retirement planning.

But I can survive right now, on $6-$7K including a little bit of buffer to accounts for pre-planning costs.

 #2 I am SO aware of my monthly expenses.  I have spreadsheets and know most numbers off the top of my head. I actually teach a money e-course to many of my clients.

#3 Unless I leave Canada, which I don’t expect I would, I don’t think it’s much cheaper elsewhere here. But who knows? A cottage in the words, living off the land like a Forest Witch is very appealing.

One thing we are during doing is selling our weekend-summer spot. We are just waiting for a buyer, a few bites but no money yet. So that’ll free up some debt.

#4 Investing for retirement is the one thing that we will start doing at the top of the new year, once my husband is working again. He is going to be a Real Estate Agent. Going back to school at 49!! I am so proud. Because it will add to our future immensely and we’ll be able to be sure we are very stable and secure.

#5 I have a high retention rate, which is why I’ve been able to do so well for the last 6 years. My clients are repeat buyers. So freedom number has already been hit, and I replaced my corporate income within the first couple of months in business, and then eventually surpassed it.  

Had it not been for terrible interest rates on borrowed money I’d probably have a lower debt load because the money would have been going toward the debt, and less interest. 🤷🏻‍♀️

My plan is audience growth. I’ve now been toying with putting something of mine on Skool, but also contemplating doing some in person talks at a few venues to put myself in front of new people