Try our newest plan – access a growing selection of included Audible Originals, audiobooks, and podcasts.
You will get an email reminder before your trial ends.
Your Plus plan is $7.95 a month after 30 day trial. Upgrade or cancel anytime.
Buy for $24.95

Buy for $24.95

Pay using card ending in
By confirming your purchase, you agree to Audible's Conditions of Use and Amazon's Privacy Notice. Taxes where applicable.

Publisher's Summary

We all make poor financial decisions sometimes. No one knows this better than J.D. Roth.

In 2004, deep in financial debt, Roth resolved to turn things around. Reading every money book he could, and putting that knowledge into practice, he dug himself out of debt and built enough wealth to retire early. He is now, at the age of 51, financially independent - and on a mission to help others achieve financial freedom, too. No gimmicks, no games. Just proven methods that work.

In this audiobook, Roth takes you inside the trending world of financial independence and early retirement, giving you the tools both to achieve financial independence and to improve the quality of your everyday life. You'll explore the ins and outs of the "FIRE movement", a collection of ideas and habits that allow people to manage their money so they can quit working while they're young. You'll consider the shockingly simple math behind financial freedom. You'll also examine the philosophy and psychology of how - and why - we spend, save, and invest. 

Financial freedom is possible. And no matter what your goals are, these 10 lessons will bring you closer than ever to achieving what that freedom means: happiness, fulfillment, and a rich life.

©2021 Audible Originals, LLC (P)2021 Audible Originals, LLC.

About the Creator and Performer

J.D. Roth is an accidental personal finance expert. In 2006, he started the award-winning GetRichSlowly.org, which Money magazine named the web’s most inspiring personal finance blog. In 2009, he published Your Money: The Missing Manual, which Wired co-founder Kevin Kelly called “the best user-guide to personal finance I’ve found.” For four years, Roth contributed the Your Money column to Entrepreneur magazine.

What listeners say about How to Achieve Financial Independence and Retire Early

Average Customer Ratings
Overall
  • 4.5 out of 5 stars
  • 5 Stars
    931
  • 4 Stars
    235
  • 3 Stars
    55
  • 2 Stars
    17
  • 1 Stars
    12
Performance
  • 4.5 out of 5 stars
  • 5 Stars
    833
  • 4 Stars
    178
  • 3 Stars
    49
  • 2 Stars
    9
  • 1 Stars
    10
Story
  • 4.5 out of 5 stars
  • 5 Stars
    754
  • 4 Stars
    220
  • 3 Stars
    63
  • 2 Stars
    18
  • 1 Stars
    10

Reviews - Please select the tabs below to change the source of reviews.

Sort by:
Filter by:
  • Overall
    1 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    2 out of 5 stars

I expected more from a great courses audio book

I was thoroughly disappointed with this book. the performance was great but, I have multiple great courses audio books and this is one I think could have become a must read for everyone but is merely relegated to that this should have just been an article in a magazine. meh

13 people found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

great information

Fire! Got it. wise decisions and for thought a recipe for success
. Encouraging my wife to read it also.

8 people found this helpful

  • Overall
    4 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    4 out of 5 stars

Retirement strategy 101

If you've never thought about retirement before, this will help frame the problem.

But it may feel too basic for folks who already have retirement funds, who think about how to increase income and cut costs, etc..

6 people found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    4 out of 5 stars

Well done wholistic approach to financial health

A labor of love by the author. Financial freedom is financial responsibility is the basic summary. This book is especially good as it sees money and saving as the key to a fuller life. This fuller life is about an enriched life that allows you give back and create joy as you define it. It’s only limit is a rather right wing outlook on the world. Think Michael j Fox in the series family ties

4 people found this helpful

  • Overall
    3 out of 5 stars
  • Performance
    3 out of 5 stars
  • Story
    3 out of 5 stars

Simplistic

It’s disappointing to see this under the Great Courses heading. It’s a very simplistic restatement of information from online FIRE websites and discussions. It seems to brush over more complex issues such as health insurance costs, early withdrawal from retirement funds, capital gains tax, practical approaches for families, and even simple income tax. The instructor talks about earning 50,000 per year, investing 50% (25k), and living off 25k. Of course, the assumption must be that this person earns at least 65k per year to then pay income taxes, but this is representative of many of the examples which seem to overlook varying income tax rates, after-tax income, etc. It also fails to offer much, if any, acknowledgment of the criticisms of the FIRE movement. It’s a fine introduction for potential FIRE enthusiasts but wasn’t what I’ve come to expect from the Great Courses offerings and seemed more like something you might hear on a series of FIRE podcasts.

4 people found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

Eye opening

There were some things in this book that I had to idea about and it has opened my mind up to new and rewarding possibilities. It breaks down the savings part for me which I really needed to know and the wealth snowball was an excellent chapter that I had to reheat at least twice. Overall, this book has been very insightful and I now understand a lot more about money and how I can continue to use this tool to my advantage.

3 people found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

I needed this!

It is never too late, and I believe that! It is a great eye opening book!

3 people found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

Great Financial Info

This book spells out clear methods of attaining financial independence and freedom. It's broken down into steps with plenty of information to get you started each step of the way. I highly recommend this book!

2 people found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    4 out of 5 stars

My favorite audible book so far

I really appreciate the thoroughness of this book. Most financial types of books give a lot of generalized information. But this book had lots of details. There were things that I'm already doing and things I plan to implement into my life, moving forward.

2 people found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • A
  • 06-05-21

Good primer on becoming financially independent!

Enjoyed this gem about FIRE! Great narration and great content. Check the website for deeper dive into his ideas and other resources.
Summary: when you no longer have to work to live you can focus on living for what you love - family friends personal growth and making a difference. The simple equation is Income - expenses = income to invest. The more you invest in index S&P 500 etf and balanced bond etf the faster you reach freedom.

2 people found this helpful

Sort by:
Filter by:
  • Overall
    4 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    4 out of 5 stars
Profile Image for jen
  • jen
  • 09-05-21

US focused

I enjoyed this book but like a lot of books in this genre it is v US focused

4 people found this helpful

  • Overall
    2 out of 5 stars
  • Performance
    2 out of 5 stars
  • Story
    2 out of 5 stars
Profile Image for FrancoisN
  • FrancoisN
  • 10-06-21

Basic and so American centric

This book is so focused on the US. It’s like the rest if the world doesn’t exist. It’s also slightly patronising (as you would expect for that audience). Change the title and save us some time.

1 person found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Daddy knight
  • Daddy knight
  • 09-26-21

A good read.

A cool book that goes straight to the main points required for financial freedom. I wish it was available 30 years ago 😀

1 person found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Mark Lancaster
  • Mark Lancaster
  • 06-14-22

A few FIRE calculations for me to check out

Succinct holistic strategies for those who want to retire early. Staying disciplined to maintain them is a mindset challenge though.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Antony W. Shaw
  • Antony W. Shaw
  • 05-02-22

wonderful

A valuable book. I loved every chapter. I definitely listen again. Highly recommended. Great.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Mr Raf
  • Mr Raf
  • 04-22-22

Best Book on Financial Independence

Over the years, I've read many books on financial literacy, financial freedom, financial independence, etc. but very few are as practical and concise as this one.

While most of the books I've read have done a little more than merely motivate me, this book is packed with practical steps to actually get started on this journey.

It's presice, to the point and easily applicable with a reasonable degree of self discipline. Also the narrator is energetic and exciting so you'll hardly dose off on this one.

Great read!

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for 360rlr
  • 360rlr
  • 04-01-22

clear, concise, worthwhile investment

One of the problems with international books on financial management is the concern of how relevant will the information be to your own country with your own investment and tax laws. This book transcends those concerns by keeping the advice practical, relevant and applicable wherever you live. The bite size chapters are short enough to keep the interest and each builds on the other without the need to read them in any particular order. it's a bit like listening to podcasts. the author is engaging and the examples interesting without being an opportunity to boast or gloat.

very happy I listened to this

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Joshua Gilboy
  • Joshua Gilboy
  • 03-20-22

Simple, actionable, and clearly delivered.

This is great. I've arrived at 32 and realised I don't want to work until I drop. Alongside learning about investments, this is a great overarching look at retiring early, and retiring well. Every kid leaving school should have a listen.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Sverrir Rúts Sverrisson
  • Sverrir Rúts Sverrisson
  • 03-16-22

An interesting book.

An interesting book on topics that affect us all. whether we are going to retire early or get a different vision and method of saving money.

  • Overall
    4 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    3 out of 5 stars
Profile Image for Farhad
  • Farhad
  • 03-06-22

Good, but US focused.

It was a good and easy listen. However, it's pretty much US, and stock market focused.
For someone who has reached FI, it didn't really add much to what I already knew. Real estate was barely mentioned, and there wasn't a big focus on the philosophy of FIRE.
Corona pandemic is mentioned, which is nice. The math is fairly limited (only the 4% (25x) rule and its derivatives are mentioned), and there's nothing there about property mortgage leverage, or other methods of passive income, or cost-saving/frugality methods.
Great for those who'd be amateurs in FI, or learning about the journey, especially US-based enthusiasts.