Financiallly free in just 11 years, with The Happy Saver

What if financial freedom didn’t take a lifetime, but just 11 years?Ruth Henderson,also known as The Happy Saver, proves it’s possible.She’s never been on a huge salary, didn’t get an inheritance, and never flipped property.Instead, through smart saving, simple investing into the sharemarket, and relentless consistency, they built enough wealth to become work-optional in just over a decade.And Ruth’s ready to share exactly how they did it.In this episode, we cover:How to reach financial independence in New Zealand (without earning six figures)The power of tracking net worth and using KiwiSaver wiselyHow index funds and compounding growth create true passive incomeWhy “work optional” freedom is more achievable than most Kiwis thinkIf you’ve ever wondered how ordinary New Zealanders can retire early (or just get financially free, faster) this episode is your blueprint.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.This podcast was filmed and produced by FanaticalsVideo editing & content production by Lana Byrne Audio engineering by Tash Chittock