The realest guide to finding financial freedom, from the creator of New Zealand's leading finance podcast Cooking the Books and author of Tales from a Financial Hot Mess. In this book, top New Zealand finance podcaster and journalist Frances Cook shows you how to change your money so that you can live your ideal life. Learn how, on an ordinary income, you can plan for and achieve true financial freedom, with expert advice and step-by-step information on.- Finance 101- Everything you need to know to gain control of your money and simplify your life Your money psychology- Know how much money you need to design the life you want The basics of FIRE (Financial Independence, Retire Early)- A Kiwi guide Earn more- Optimise the job you already have with strategic upskilling, negotiating pay rises and taking your career to the next level - or start a side-hustle that works Build a safety net- How to save more and invest that extra income Give yourself options- Take time off, work part-time, or work a more meaningful job Retire early, retire often- You have the ability to retire early, or work as much as you like ...and loads more