Earning money while you sleep is the ultimate goal of many people who are trying to achieve Financial Freedom. 

Imagine how good it would feel to have your cashflow completely on auto-pilot.

Imagine waking up to find out that your bank account is still full, despite the fact that you have done zero (or incredibly little) work. 

If you want this dream to become a reality, you will need to start to build up passive income.

So What Is Passive Income? 

Before we go any...

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...

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...

We all know that having a budget is a great idea, but it can be really hard to keep up with a budget.

Keeping a budget can be hard work, especially if you have multiple accounts and credit cards to keep track of.

Fortunately, there are some great apps to make life easier for you.

You can also download my free budget sheet to get you started.

Which app you use depends on what you are looking to get out of your budget and how often you are going to update it.

I actually use a combination of 2...

Having a budget can be great for your personal finances in so many ways.

Not only does having a budget mean you are in control, but it also means that you are making conscious decisions about how you spend your money on a day-to-day basis.

The simple fact is that most people have no idea at all what they are spending their money on, but then they wonder why they are struggling at the end of the month before their next pay check comes in. 

If you don’t track your spending and budget...

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...

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.

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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...

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...

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...

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...