I Think Financial Freedom Is Overrated 🫣

Stability > Freedom. Let me explain why. Issue #29 of the CPD

Nov 18, 2025

Hey friend,

I almost didn’t write this email today 😅.

I had a long day which ended with me attending my very first Zumba class which I absolutely loved ! 💃🏽 The class was so energising and I’m glad I dragged my tired self out of the house.

I can’t do strenuous exercises at the moment, so instead, I’m finding ways to stay active, and it looks like Zumba is here to stay. Already looking forward to next week!😁

Anyway, I want to talk about something I’ve been thinking about lately: financial freedom.

We talk about it all the time. It’s the goal, right? The ultimate level. The finish line where all your money stress disappears and life becomes easy 🏖️.

But what if I told you that financial freedom might be overrated?

Wait, hear me out.

The Problem With “Financial Freedom”

A few weeks ago, I wrote about the different levels of personal finance, from avoidance all the way to freedom. And while freedom sounds amazing in theory, here’s what I’ve realised: most people spend so much time chasing it that they forget to enjoy the levels they’re already at.

Financial freedom has become this mythical destination or magic number where you never have to work again, money flows effortlessly, and all your problems are solved.

But the reality? Even people who have “made it” still have money stress. They still have decisions to make. They still have to manage wealth, deal with taxes, think about legacy, and navigate relationships around money.

Freedom doesn’t mean the end of responsibility. It just means a different set of challenges.

What If Stability Is Actually the Goal?

Most of the financial peace you’re chasing actually lives in financial stability.

Stability is when you’re not panicking about bills. When you have an emergency fund that can cover a few months of expenses. When you can afford the things that make your life easier without guilt or strain. When you’re investing consistently, and your money is growing in the background.

Stability doesn’t mean you’re rich. It means you’re secure. And honestly? That’s where most of us need to get to.

You don’t need millions to feel financially at peace. You need enough to cover your life comfortably, with a buffer for the unexpected and the ability to make choices that align with your values.

That being said, I think what most of us actually want isn’t freedom. It’s flexibility.

The ability to say no to things that don’t serve you. The ability to take a break when you need it. The ability to make decisions based on what you want, not what you can afford.

And guess what? You don’t need to be financially free to have that. You need to be financially stable with intention.

If you’re at the stability level and you’re smart about your spending, your savings, and your investments, you already have more flexibility than you think. You just need to give yourself the permission to use it.

So What Should You Chase Instead?

Instead of obsessing over financial freedom, here’s what I think we should focus on:

✅ Financial peace – Not worrying about bills or emergencies

✅ Financial flexibility – Having options and the ability to pivot when needed

✅ Financial intentionality – Spending and saving in ways that reflect your actual values

The truth is, if you’re stable, intentional, and flexible, you’re already living a version of freedom.

Where Are You Right Now?

If you haven’t already, go back and read my previous email about the five levels of personal finance. Figure out where you are. And then ask yourself: what would the next level look like for me?

Maybe it’s not freedom. Maybe it’s just a little more breathing room.

And that’s more than enough ♥️

💰NEW: The Money Map Workshop

I’m so excited to finally share this with you ! 🎉

The Money Map Workshop is happening live on Saturday, 10th January at 11am BST. It’s designed to help you turn your 2026 money goals into a step-by-step plan that actually works.

Most financial goals don’t only fail because they’re too vague. They fail because of a lack of system and a clear roadmap on how to achieve them.

In this 90-minute live workshop, you’ll learn my exact framework for achieving my financial goals:

✅ Turn vague hopes into specific, measurable targets

✅ Break your annual goals into quarterly and monthly milestones

✅ Identify the income and saving levers you can actually pull

✅ Build your 2026 financial roadmap in real time (with a worksheet to guide you)

✅ Get live support and accountability from me and the group

You’ll leave with your complete plan for 2026: income goals, savings targets, investment strategy, and your first action step for the next 48 hours.

This isn’t theory. This is the EXACT system I used to exceed my Q1 content creation earnings goal, save £22,000 toward my investment property, and stay on track with my investing. Now I’m teaching you how to do the same.

Early bird seats are now available. Spaces are limited.

Stop wishing. Start planning. Let’s build your 2026 money map together.