This Outrageously Simple Math Holds The Secret To Early Retirement

Please note, in this article I will often use the word ‘retirement’ in inverted commas. The reason for this is that when we say ‘retirement’ it means different things to different people. For the purposes of this post, we shall assume that at the very least, ‘retirement’ means you want to quit your current job.


When it comes to early retirement, things can get a little complicated.

How much income do I want to live on? What will I do with my time? Do...

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Why Rich Dad Has The Best Definition Of Assets

When most of us think of assets, we think of anything we own.

The opposite of assets in most people’s mind is therefore anything we owe, these are our liabilities.

The problem with these definitions, especially when thinking about Financial Independence, is that they are not particularly helpful to us.

Why might that be?

Well, there are many things that we would typically describe as assets, that do not really help us on our way to Financial Independence.


When Are Assets Not...

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My Origin Story - Part 3 - The Happy Ever After

If you read part 2, you will know how my near death experience was one of the worst, and best, things that ever happened to me.

If you missed part 1, you can catch up here.

You might think that this was enough drama for one lifetime, but no … our story was not over yet, not by a long shot.


The Second Near Miss

About a year after my near death experience, Katherine was expecting our first baby. Everything was going according to plan and life was good. We were delighted at the...

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My Origin Story - Part 2 - The Year That Changed Everything

financial freedom origin Aug 11, 2018

This is part 2 of my origin story. If you haven't read part 1, I suggest you read that first to give you some background.


I remember the moment I first looked over the Pacific Ocean from the Post Ranch Inn. It is a moment that changed me forever. We were on Honeymoon in the summer of 2013 and life could not have been better.

The Post Ranch Inn is a super high end, luxury...

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My Origin Story - Part 1 - The Early Years

financial freedom origin Aug 08, 2018

A few readers have been in touch to ask me about my past and how I came to be where I am now.

In this first instalment, I want to take you from my childhood, up until the event that changed my life and is the reason this blog (as well as many other things in my life) exists.

How It All Started

When I was about 4 years old we moved from south Kent to a small village in Essex, around 50 miles east of London.

I am not going to say that we were ever poor.

Money never seemed to cause us too many...

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Financial Freedom vs Financial Independence

In my research for this blog, I stumbled across a rather scary group of people called the ‘internet retirement police’ that threaten to derail my Millennial Mutiny before it has even started.

The internet retirement police apparently go around telling people that they are not doing early retirement 'correctly' or that they are not in fact financially independent, all while probably hiding behind some anonymous avatar online. 

I have to thank Mr. Money Mustache for warning me...

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Welcome To Millennial Mutiny

Hello everyone and welcome to Millennial Mutiny.

I wanted to start off by providing some background on why I decided to start writing this blog.

For a start, I am sick and tired of Millennials being characterised as lazy, entitled, self righteous, avocado eating layabouts. Based on what I know, nothing could be further from the truth!

I have also had enough of the negative stories in the media about how millennials will never own a home, never afford to retire and how we will basically spend...

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