One Step Wealthier

In this week’s episode, I discuss the transformative power of taking mini-retirements, inspired by the reflections of my recent journey on the Camino de Santiago. I explore how stepping away from the daily grind can lead to personal growth, increased clarity, and a deeper sense of fulfilment. Tune in to hear practical tips on how to incorporate mini-retirements into your life and start living more intentionally today.Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I share my reflections from my journey along the Camino de Santiago. As I walked the ancient pilgrimage route, I found myself contemplating the age-old question of time versus money. Join me, as I discuss the importance of balancing both time and money in our pursuit of wealth and fulfilment. Discover how experiences like the Camino can offer valuable insights into our priorities and values when it comes to wealth and success. Tune in for a thoughtful and introspective look at the intersection of time, money and energy on the path to financial well-being.Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this episode of the One Step Wealthier podcast, I dive into the transformative power of reaching your first 100,000 in savings or investments. I discuss the mindset shifts that come with achieving this financial milestone, the practical steps to take to get there, and how hitting this goal can change your life for the better. Join me as I explore the importance of setting ambitious financial goals and how reaching them can pave the way to a more secure and prosperous future.Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I break down why your savings rate might be more important than your salary when it comes to building wealth. Whether you're just starting or looking to improve your investment strategy, understanding the power of saving and investing can help you reach your financial goals faster. I also discuss the dangers of lifestyle inflation and why it's crucial to be aware of how your spending habits can impact your financial future. Tune in to learn how to prioritize saving, avoid lifestyle inflation, and make the most of your income to secure a prosperous future.Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode of the One Step Wealthier podcast, I dive into the topic of being single and why it is perfectly okay. I discuss common misconceptions and pressures society puts on individuals to be in a relationship, and offer valuable insights on how being single can be a positive and empowering experience.Whether you're navigating the world of investing solo or simply embracing your independence, this episode will inspire you to embrace your single status and thrive in all areas of your life.Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.I am looking forward to hearing from you. Enjoy the episode!DISCLAIMER:The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I walk you through a step-by-step guide on how to invest your first 1000 pounds. Whether you're a beginner looking to dip your toes into the world of investing or someone looking to diversify their portfolio, this episode breaks down the process into easy-to-follow steps.The ETF that I recommend:Vanguard S&P 500 UCITS ETF (ISIN number IE00B3XXRP09)You can find more information about this ETF under:Vanguard S&P 500 UCITS ETF, VUSA:AEX:EUR summary - FT.comBrokers that I can recommend for investors outside the UK:DegiroInteractive brokersJoin me and over 35 million users who love Revolut. Sign up with my link below:https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.I am looking forward to hearing from you. Enjoy the episode!DISCLAIMER:The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, we discuss the importance of building an emergency fund and provide tips on how to get started. An emergency fund is crucial for financial stability and peace of mind, especially during uncertain times. We will explore why having an emergency fund is important, how much you should aim to save, and practical steps you can take to start building your emergency fund today.Key Points:Introduction to emergency funds and their importance for financial securityWhy having an emergency fund can help you weather unexpected expenses and economic downturnsHow much you should aim to save in your emergency fund (3-6 months' worth of living expenses)Practical tips for building your emergency fund, including setting a savings goal, creating a budget, boosting your income and automating your savingsThe importance of having an emergency fund before you start investingJoin me and over 35 million users who love Revolut. Sign up with my link below:⁠https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-AR⁠I use Wise to send money abroad. Easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.⁠https://wise.com/invite/ihpn/kristinai2⁠Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.I am looking forward to hearing from you. Enjoy the episode!DISCLAIMER:The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I share an exciting set of travel tips that will revolutionize the way you embark on your future adventures. Join me as I uncover a treasure trove of budget travel hacks that have successfully allowed me to wander the world without breaking the bank.Whether you're a seasoned globetrotter or a first-time adventurer, these proven tips and tricks will surely be of tremendous help when it comes to stretching your travel funds further than you ever thought possible.In this episode, I give the following suggestions for travelling on a budget:Pay attention to the currency exchange Look for destinations with a weak currencyTravel during the shoulder seasonExplore alternative ways of travelling in more expensive destinationsUse public transportationEat where the locals eatJoin me and over 35 million users who love Revolut. Sign up with my link below: ⁠https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-AR⁠I use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.⁠https://wise.com/invite/ihpn/kristinai2⁠Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, join me as I embark on a journey through my travel experiences, spanning over 70 countries. As an intrepid adventurer, I've traversed the globe, immersing myself in diverse cultures, breathtaking landscapes, and unforgettable encounters.From crossing Australia by bicycle, sailing in the Pacific Ocean, trekking in the Himalayas and hiking in the jungle in Colombia, I am sharing fascinating anecdotes and jaw-dropping stories that humbled me and made me grow. But as the episode progresses, you'll understand why this voyage comes to an unexpected pause. A profound realization struck me along this nomadic path, causing a shift in my perception of travel. This realization took the form of a newfound appreciation for the beauty of stillness, the depth of simplicity, and the need for new challenges. Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, we delve into the intriguing world of cryptocurrencies. This episode serves as a beginner's guide to understanding the ins and outs of crypto.Listeners can expect to gain a clear understanding of blockchain technology, the decentralized nature of cryptocurrency, and how these digital assets differ from traditional forms of currency. We delve into topics such as mining, wallets, and the importance of strong security practices to protect one's digital assets.Throughout the episode, we explore the pros and cons of cryptocurrency investments. We also address common misconceptions and risks associated with the rapidly evolving crypto landscape, empowering listeners to make informed decisions.Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, we delve into the intriguing world of financial independence and early retirement. If you've ever dreamed of escaping the traditional 9-to-5 grind and enjoying life on your terms, this episode is for you!We explore how by saving, investing and living frugally, you will be able to reach early retirement. We take a look at the concept of financial independence, which is not just about hoarding money but rather attaining a level of financial freedom that grants you the ability to make life choices without being dictated solely by monetary concerns. We delve into the key principles and strategies that can guide you on your journey towards financial independence and ultimately early retirement.Moreover, we explore the mindset shift required to embark upon this path and address the fears and doubts that often accompany such a significant lifestyle change.So, if you're tired of living paycheck to paycheck, constantly worrying about debts and future uncertainties, or simply in search of a more fulfilling and self-determined life, join me on this empowering journey towards financial independence and early retirement. Get ready to redefine your relationship with money, unlock your true potential, and pave the way to a life of true freedom and abundance.My favourite compound interest calculator: ⁠Compound Interest Calculator | Investor.gov⁠Early retirement calculator:⁠https://networthify.com/calculator/earlyretirement?income=50000&initialBalance=0&expenses=20000&annualPct=5&withdrawalRate=4⁠FIRE Calculator: ⁠FIRE Calculator: When can I retire early? - Engaging Data (engaging-data.com)⁠Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, we dive into the world of personal finance and highlight some must-read books that can greatly improve your financial knowledge. I understand that managing money can often be overwhelming and intimidating, but by exploring these helpful books, you'll gain the confidence and tools to make smarter financial decisions.By the end of this episode, you will have a comprehensive reading list to further your financial education and feel inspired and motivated to take charge of your financial future. So, grab a notebook and pen, settle into a comfortable spot, and get ready to embark on an empowering journey towards financial well-being.These are the 10 books that I can personally recommend if you would like to improve your financial knowledge: "Rich Dad Poor Dad" by Robert Kiyosaki "The Little Book of Common Sense Investing" by John Bogle "The Millionaire Next Door" by Thomas Stanley“The Richest Man in Babylon” by George Clason“Millionaire Teacher” by Andrew Hallam“What They Don't Teach You About Money” by Claer Barrett“I Will Teach you to be Rich” by Ramit Sethi“Financial Feminist” by Tori Dunlap“Quit Like a Millionaire” by Kristy Shen.“Financial Freedom” by Grant Sabatier. Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

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In this week’s episode, we explore the significance of financial literacy in our lives. Join me to discuss why having a basic understanding of personal finance is crucial to making informed decisions, achieving financial goals, and ultimately gaining control over our finances. Whether you're a beginner or just looking for a refresher, this episode will provide practical tips and insights to improve your financial knowledge and pave the way for a secure future. Tune in and empower yourself with the tools to navigate the complex world of money confidently.In this episode, we discuss the following suggestions for improving your financial literacy: Read books and articlesTake online coursesFollow financial expertsAttend workshops and seminarsJoin financial communitiesTrack your expenses and budgetStart InvestingSeek professional adviceThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week's episode, we explore the power of habits in propelling personal growth and success. Join me as we uncover the habits that have had a profound impact on my life. Whether you're seeking inspiration or looking to make positive changes in your own life, this short episode of One Step Wealthier will provide you with actionable insights and strategies to harness the power of habits for personal growth. Tune in and discover the habits that can propel you forward on your journey of success and fulfilment.In this episode, we discuss the following habits:Waking up earlyExercising regularlyEating healthySleepReading every daySaving and investing consistentlyLooking forward to hearing from you as always - enjoy the episode!Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying and we will chat in the next episode.DISCLAIMER:The One Step Wealthier podcast is for educational purposes only and provides general information. There may be opinions within this resource that should not be considered as recommendations or personal advice. Everyone's financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this podcast episode, I cover the basics of the S&P 500. In this short and easy-to-follow episode, I break down the fundamentals of this renowned stock market index. Whether you're new to investing or simply curious about the S&P 500, this episode will provide you with a solid foundation to begin your journey.In this episode, we discuss:What are index fundsWhat is the S&P 500 and what were the historical yearly returnsWhich companies compose this indexHow can you invest in this indexThe importance of diversificationLooking forward to hearing from you as always - enjoy the episode!Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying and we will chat in the next episode.DISCLAIMER:The One Step Wealthier podcast is for educational purposes only and provides general information. There may be opinions within this resource that should not be considered as recommendations or personal advice. Everyone's financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this episode, I talk about my recent 3-day Vipassana silent meditation course. In this day and age, meditation is essential and can profoundly impact our mental and emotional well-being. If you are interested in finding out more about the technique or even embark on this journey, you can find more information at www.dhamma.org

In this week’s episode, I discuss some common misconceptions about investing and how my own journey has started. I also stress the importance of investing for our future. I hope you enjoy this episode.