How to achieve financial independence
Freedom of choice
Алексей Сабадырь

Illustrations Leonardo ai

© Алексей Сабадырь, 2025

ISBN 978-5-0064-4632-8

Created with Ridero smart publishing system

Chapter 1: Awakening: understanding your financial situation

The beginning of the journey to financial independence is awareness – deep, honest, and without illusions. It is like a person waking up from a dream and seeing the world in its entirety for the first time. Awakening in the financial sphere means letting go of self-deception, of “I don’t want to know” and “it will work out somehow”. It is the first step to managing your own destiny.

Where to start?

Honest self-analysis: Don’t be afraid to look deep into your financial situation. How much do you earn? How much do you spend? What debts do you have? What assets do you have? Don’t make assumptions in your head, but write everything down on paper.

Expense analysis: Analyze where your money is going. Create a budget and track your expenses for several months. You will be surprised how much money is spent on insignificant things.

Goal setting: What do you want to achieve financially? Do you want to buy a house? Retire early? Travel the world? Write down your goals and prioritize them.

Identify financial habits: Look at what financial habits you already have. Which ones are helping you and which ones are hindering you? What changes can you make to improve your financial situation?

Find information: Don’t be shy about learning about financial literacy. Read books, articles, watch videos. Visit financial forums and consult.

Important note: Don’t expect financial independence to come to you overnight. It’s a long and hard work. But the main thing is to start!

Chapter 2: Goal: setting your financial goals

Think of a ship without a compass. It can sail along, but where it will end up is anyone’s guess. It’s the same with finances. Without a clear goal, your money will flow through your fingers like sand, bringing you neither satisfaction nor real progress.

Setting financial goals is like setting a compass on your financial ship. It gives you direction, motivation, and guides your actions.

How to Set Your Financial Goals

Set Your Desires: What do you want to achieve financially? Do you want to buy a house? Save for your children’s education? Retire early? Afford to travel? Be specific and write it down on paper.

Give your goals specificity: Set measurable goals. For example, instead of “buy a house,” “buy a house worth $10 million by 2025.”

Set a Deadline: Set a deadline by which you want to achieve your goal. For example, “save up 1 million rubles for a down payment on a house in 3 years.”

Break the goal down into stages: complex goals can be broken down into smaller, more achievable ones. For example, “save up 20,000 rubles every month for a down payment on a house.”

Come up with motivation: what can motivate you to achieve the goal? For example, remember your dream of traveling, put a photo of your dream on your desktop, or buy yourself something nice when you reach the first stage.

Financial goals are not just numbers. They are your dreams, your plans for the future. Formulate them clearly and confidently, and you will already have taken the first step towards achieving them.

Chapter 3: Budget management: conquering expenses

Imagine a ship sailing without a rudder or compass. It may be moving, but where it will end up is unknown. So it is with finances: without budget management, you risk losing control of your money.

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