From $90K in Debt to Coast FIRE at 45 | Bigger Pockets Podcast

Fear that early retirement is out of the question because you have too much debt? It's not game over. Whether you're debt-free or still chipping away at your student loans, today's guest is proof that FIRE is never too far out of reach—even when life throws you a curveball that leaves you with $90,000 in debt!

Welcome back to the "BiggerPockets Money" podcast! Aubrey Williams thought his financial world was crumbling when his divorce was finalized, leaving him staring down $90,000 in debt. Most would assume this spells doom for financial independence, but Aubrey knew he could dig his way out by increasing his income, cutting costs, and staying laser-focused on his goals.

In just eight years, he snowballed out of debt and toward his long-term goal—achieving financial independence at 45. Now that he's turned his financial ship around, he's focused on building wealth for the future. Tune in to learn how he transformed his finances into a comeback story, why he refuses to let setbacks define his dreams, and what his path to FIRE looks like after starting over!

01:05 FI After 90k in Debt
04:32 How to Fast Track FI
05:51 The Path to Savings
14:21 Financial Pillars
19:47 Career Shifts During FI
32:45 The Value of Financial Planning
42:39 Entrepreneurial Journey and Lessons Learned
47:16 Connect with Aubrey
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