The Time Freedom Podcast

Top 5 Takeaways:Mini retirements don't just help your personal life. They often accelerate your career and finances in unexpected ways."Stuck at 6” is the hardest place to change from. When life is just OK, the upside feels small and the downside feels huge.You can fund mini retirements for life by saving just 6.5% more, or by landing one job switch with a modest raise.Experiments that go horribly wrong teach you more than ones that go fine. Failure is a goldmine of insight.The real cost of staying put might be a million dollars. Jillian's friend proved that not switching jobs and not taking breaks can leave serious money on the table.Chapters:0:00 – Welcome + Introduction to Jillian Johnsrud1:44 – Jillian’s Journey to Financial Independence11:38 – What Are Mini Retirements?14:45 – The “Stuck at Six” Problem17:03 – The Courage to Step Away from the Grind18:31 – Experimentation, Growth & Mini Retirements20:05 – Learning from Failure and Career Missteps21:50 – Mini Retirements as a Long-Term Lifestyle25:55 – The 6.5% Rule Explained31:52 – Career Shifts, Income Growth & Timing36:08 – How the 6.5% Rule Funds Time Freedom38:06 – Job Switching, Earning Potential & Flexibility38:57 – Time Freedom Book Promotion + Closing ThoughtsJILLIAN JOHNSRUDJillian Johnsrud is an author, speaker, and financial independence advocate who achieved financial freedom at 32 while working low-earning jobs and raising five kids. She's the author of Retire Often and hosts the “Retire Often” podcast where she shares real stories of people who've taken mini retirements. Jillian's work has been featured on All the Hacks, ChooseFI, and at FinCon.You can connect with Jillian at retireoften.com.  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 TakeawaysTime freedom is about working to live—not living to work.The 50–25–25 rule creates sustainable income and personal freedom.True freedom comes from the ability to create income on demand.Overcoming debt can build confidence and clarity in business decisions.Authority content works best after a solid business foundation is built.Chapters:0:00 – Welcome + Introduction to Pia Silva3:00 – Working to Live, Not Living to Work7:45 – The 50–25–25 Rule Explained13:30 – From Revenue to Real Profit17:15 – Pia’s $40K Debt Wake-Up Call21:30 – Skills Over Savings: The Real Definition of Freedom25:45 – Designing a Business That Fits Your Life29:30 – Writing Scale Solo: Process & Insights34:45 – Authority, Referrals & Building a Profitable Business39:45 – Long-Term Vision, Investing & Time Freedom42:15 – Where to Find Pia + Final ThoughtsCheck out Pia's book at NoBSMastery.com/book  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 TakeawaysTime freedom means owning your schedule—not being owned by it.Intentional living shapes both your work and your relationships.Health span matters as much as lifespan when designing your future.You don’t need big money to achieve meaningful, impactful goals.Vulnerability and authenticity build authority, connection, and growth.Chapters:0:00 – Welcome + Real-Life Podcasting Moments1:36 – Introduction to Mike Michalowicz4:03 – Podcasting Journeys & Trying New Things6:48 – Marketing Yourself (Even When It’s Uncomfortable)9:33 – Embarrassment, Visibility & “Risk It for the Biscuit”12:26 – What Time Freedom Really Means14:56 – Intentional Living & Goal Setting17:47 – Health Span vs. Life Span20:23 – Quickfire Questions & Personal Insights22:49 – Upcoming Projects & Book Launch26:28 – Time Freedom in Practice29:03 – Authorship as a Catalyst for Opportunity30:26 – Passion, Purpose & Helping Others32:38 – Time Freedom Book Promotion  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top Takeaways:Time freedom creates space for connection, purpose, and love.Time freedom isn’t the end goal—it’s the starting point for something more.Chapters:0:00 – Introduction to Time Freedom2:44 – The Journey of Writing & Reflection5:18 – Understanding Reader Expectations7:53 – The Call to Greatness10:22 – Why Connection Matters Most14:44 – Practical Applications of Time Freedom17:30 – Looking Ahead to Season Two  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:Action is what turns plans into real change.Waiting until you’re ready can create stronger outcomes than rushing.Simplifying your focus increases impact and follow-through.Community and support are essential—you don’t have to do this alone.Time freedom creates space for new opportunities, not just rest.Chapters:0:00 – Introduction to the Time Freedom Podcast1:23 – Why Taking Action Matters6:10 – The Three-Part Action Framework8:39 – The Power of Waiting Until You’re Ready14:52 – Taking Action in Business16:46 – Feedback Over Failure: The Maker’s Mindset19:11 – Focus, Simplicity & the 80/20 Rule22:21 – Personal Examples of Time Freedom in Action24:45 – Why Support Changes Everything29:57 – Creating Your Personal Action Plan  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:The Time Freedom Calculator is a free, flexible tool for designing your financial future.Understanding future expenses builds true financial confidence.The calculator allows for multiple work, income, and lifestyle scenarios.Visual data makes decision-making easier and more empowering.Small adjustments today can radically accelerate your path to time freedom.You can find the Time Freedom Calculator at https://timefreedomcalculator.com.Chapters:0:00 – Introduction to the Time Freedom Podcast6:01 – The Time Freedom Calculator Explained11:24 – Rethinking Money & Work for Freedom16:31 – Case Study: Annika & Nick’s Journey24:23 – How to Use the Time Freedom Calculator32:31 – Next Steps & Taking Action  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Get my free bonus chapter here to learn even more about Fast Follow Investing.Top 5 Takeaways:Momentum investing looks forward.Human behavior impacts market trends.Serial autocorrelation isn't as complicated as it sounds.Fast Follow Investing caps losses during downturns while still letting your capture gains.Technology has made momentum strategies more accessible.Chapters:0:00 – Introduction to Fast Follow Investing4:45 – Personal Backgrounds & Early Financial Lessons9:08 – How Investment Strategies Have Evolved13:20 – Understanding Momentum Investing17:42 – Practical Application: How Fast Follow Works22:14 – Why Momentum Supports Time Freedom26:28 – Conclusion + Next Steps   🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:The Time Freedom Portfolio blends safety and growth through simple, passive tools.There’s no single “right way” to invest—your goals determine your strategy.Passive indexing is favored for its low fees, ease, and long-term results.Cash allocation (10–30%) provides both stability and confidence.A strong financial runway—6 months to 2 years—supports true time freedom.Chapters:0:00 – Introduction to the Time Freedom Portfolio5:59 – What the Time Freedom Portfolio Includes10:13 – Five Principles of Time Freedom Investing18:38 – How to Determine Your Cash Allocation23:10 – Bonds vs. Stocks in a Freedom-Focused Strategy24:31 – Cash Allocation Quiz + Final Thoughts  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:Cash is foundational to financial security and time freedom.Investing isn’t just about returns—it’s about risk management.“You win by not losing”: avoiding losses matters more than chasing gains.Cash gives you power—freedom to leave unfulfilling jobs and seize opportunities.A balanced portfolio includes both higher-risk investments and meaningful cash reserves.Chapters:0:00 – Introduction to the Time Freedom Podcast6:07 – Why Cash Accounts Matter13:20 – Types of Cash Savings Accounts17:16 – Understanding Loss Asymmetry26:47 – Cash, Opportunity & Closing Thoughts  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:Investing isn’t about complexity—it’s about clarity and confidence.Sharing financial mistakes helps others (and yourself) grow.The barbell approach balances low-risk and high-reward opportunities.Time freedom should guide your financial strategy—not the other way around.The Time Freedom Portfolio blends safety and growth for lasting results.Chapters:0:00 – Introduction to Investing6:35 – Personal Investing Stories & Lessons Learned13:41 – The Importance of Financial Awareness16:43 – How Investing Connects to Time Freedom19:30 – The Barbell Investment Strategy23:48 – Understanding Stock Market Returns30:04 – The Time Freedom Portfolio Overview  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:Most people dislike budgeting—and that’s okay.The No-Budget Budget replaces limits with intentional spending.Understanding where your money goes creates real freedom.Financial order comes from reflection, not restriction.Managing debt strategically supports your path to time freedom.Chapters:0:00 – Introduction: What Is the No Budget Budget?7:53 – How Budgeting Philosophies Have Evolved10:08 – Understanding Value-Based Spending13:13 – Practical Steps to Implement the No Budget Budget17:27 – Prioritizing Expenses for Freedom20:03 – Cutting Costs the Smart Way22:27 – Aligning Spending with Values26:09 – Maintaining Financial Order30:29 – Debt Management & Time Freedom  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:Money impacts happiness—but only when aligned with your values.Experiences create more lasting joy than material possessions.Protect your freedom with smart tax planning and insurance.Understand the difference between investments and expenses.Recognize hidden fees and start saving early to invest wisely.Chapters:0:00 – Introduction to Spending Strategies7:19 – Understanding Money and Happiness10:27 – Experiences vs. Material Goods15:30 – Spending According to Life Stage17:40 – Tax Strategies for Financial Freedom18:36 – Protecting Against Major Loss19:17 – Safeguarding Income & Investments22:54 – Inflation and Personal Finance24:47 – Investments vs. Expenses28:36 – Hidden Fees That Erode Wealth31:48 – Saving Early & Investing Wisely  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:A VA is not just help—they’re a growth partner in your business.The right time to hire is when overwhelm becomes the norm.Trust and communication are the foundation of every great partnership.Mistakes will happen—focus on progress, not perfection.Delegation is the key to reclaiming your time and energy.Chapters (Cleaned Up):0:00 – The Importance of Virtual Assistants2:56 – Kirby’s Journey to Becoming a VA5:22 – Overcoming Fears & Finding the Right Fit7:42 – Building a True Partnership9:14 – Mastering Inbox & Calendar Management11:41 – The Value of Delegation13:36 – Building Trust & Communication16:00 – When to Hire a VA20:57 – Finding the Right Fit for Your Needs23:05 – Embracing Mistakes & Learning25:49 – Final Thoughts on VA Partnerships  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:Seasonal schedules aren’t just for teachers—they benefit everyone.The traditional 40-hour workweek is outdated and unsustainable.Automation and delegation are key to creating flexibility.Raising your prices can help you work less while earning more.The Time Freedom Calculator helps you confidently plan your ideal lifestyle.Chapters:0:00 – Introduction to Seasonal Schedules0:45 – The Concept of Seasonal Work1:59 – Implementing Seasonal Schedules21:54 – Final Reflections + Takeaways  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:Debt and freedom don’t mix—self-funding keeps you in control.The first year is for learning, saving, and building momentum.Investing in yourself can yield the highest returns.Knowing your lifestyle expenses is the foundation of smart planning.A three-year plan can help you transition into entrepreneurship sustainably.Chapters:0:00 – Introduction: The Case for Self-Funding5:05 – Why Self-Funding Creates True Freedom10:24 – The Three-Year Transition Plan17:20 – Calculating Your Financial Needs18:07 – Investing in Yourself for Growth19:29 – Closing Reflections + Key Takeaways  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:You can transition to entrepreneurship without hustle culture.Burnout is a real risk when balancing a 9–5 and a side hustle.Proven service offerings and a strong network create stability.Sales skills and consistent follow-up are essential for success.Assessing your readiness ensures a smoother, faster transition.Chapters:0:00 – Introduction + Personal Experiences2:46 – The Hustle Mentality in Entrepreneurship4:44 – The No Hustle Transition Framework7:38 – Leveraging Proven Service Offerings9:30 – The Importance of a Strong Network15:06 – Essential Entrepreneurial Skills19:55 – Sales Skills & Customer Service27:11 – Assessing Readiness for Transition  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:The Catalyst is about working less and achieving more.Time freedom creates space for big ideas.Your unique skills, ideas, and relationships are multipliers for success.Inclusivity in writing and business builds deeper connections.Protecting your time is part of building a sustainable lifestyle business.Chapters:0:00 – Introduction + Personal Updates3:15 – The Catalyst Concept5:50 – Book Publishing Journey Update8:33 – Why Time Freedom Fuels Big Thinking11:25 – The Yard Sale Story14:18 – Identifying Your Catalyst16:56 – Exponential Value: Skills, Ideas, and Relationships19:48 – Finding Your Unique Advantage22:45 – Questions to Uncover Your Catalyst25:28 – Inclusivity in Business & Content Creation28:19 – Maximizing Authority and Visibility  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:A lifestyle business prioritizes freedom over unchecked growth.Success is measured in time and choice, not just revenue.Evaluating income by the hour gives a clearer picture than annual totals.Raising prices can unlock more freedom with less work.Boundaries and intentional design keep your business aligned with your life.Chapters:0:00 – Introduction + Personal Anecdotes2:50 – What Is a Lifestyle Business?7:33 – The Freedom of Lifestyle Entrepreneurship10:37 – Redefining Success on Your Terms13:18 – Comparing Business Models16:07 – Control, Boundaries, and Balance19:39 – Structuring Your Work for Freedom25:26 – Final Thoughts + Future Insights  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:Visioning clarifies goals and guides decision-making.The Look Back, Look Ahead method makes life design structured and doable.Self-care is non-negotiable for growth and fulfillment.A 10-year vision can shape your actions in the present.Personal reflection creates alignment between work and happiness.Chapters:0:00 – Introduction to Life Visioning2:50 – The Look Back, Look Ahead Process5:41 – Personal Reflections on Career Paths8:07 – Why Self-Care Matters10:37 – The Four Pillars of Happiness13:08 – A Current Life Snapshot15:53 – Looking Back at the Past17:53 – Envisioning the Future21:42 – Conclusion + Key Takeaways  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!

Top 5 Takeaways:Time freedom is bigger than just building a retirement account.The 4% rule is outdated and unrealistic for many people.A massive savings pile isn’t the only path to independence.Purposeful work and flexible income can feel more freeing than early retirement.Enjoying life now matters as much as planning for later.Chapters:0:00 – Introduction to the Time Freedom Podcast3:30 – Rethinking Retirement Savings10:16 – The Debate on Retirement Numbers16:16 – The Savings Mountain vs. Cash River19:40 – The Freedom of Working Longer25:07 – Closing Thoughts + Future Topics  🎧 Pre-order Time Freedom and get the audiobook FREE today. Normally it takes three copies to unlock the audiobook, but for podcast listeners, just one.👉timefreedombook.com | code: PODCASTEnter code PODCAST and you'll get instant access (your paper copy arrives in September). Pre-orders help the book land on more shelves on launch day, so thank you!