What if financial independence isn’t about retiring early — but about controlling your time right now?

In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Brian Herriot — millionaire in his 40s, now managing a $3 million portfolio, and author of Time Freedom — to talk about redefining what financial independence really means.

Brian shares how he built wealth, why he shifted his focus from net worth to time control, and how entrepreneurship, investing, and spending habits all play a role in designing a life you don’t want to escape from.

They dive into:

• The mindset shift from “early retirement” to “time freedom”


• How Brian grew from $1M to a $3M portfolio


• The life events that reshaped his financial goals


• Why flexible work can accelerate financial independence


• The connection between entrepreneurship and freedom


• Investing strategies that align with your life vision


• The overlooked importance of relationships in business


• Health insurance, risk management, and real-world FIRE challenges


• Work-life balance and building a sustainable version of success

If you’re pursuing FIRE, building wealth, or questioning whether early retirement is actually the goal — this conversation will challenge how you think about money.

To go beyond the podcast:

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Connect with Brian Herriot:

Website: https://timefreedom.life/

Buy Brian’s New Book ‘Time Freedom’: https://timefreedom.life/book/

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