In this episode, I talk about something I find incredibly exciting—earning money while I sleep. Recently, I went on a two-week trip and realized that my investments quietly covered the whole thing. Food, hostels, beer, everything. That’s when it hit me: I could technically live off my “sleep money.”

I’ll walk you through what that means, why it’s not magic, and how building passive income—even slowly—can shift how you feel about freedom, work, and life itself.

This isn’t a brag. It’s an invitation.

Let’s talk about freedom, frugality, and building wealth one step at a time.

🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

Last week, I talked about lifestyle inflation — the sneaky way our spending rises with our income. This week, I’m flipping that idea on its head with something I call lifestyle deflation.

In this episode, I share how simplifying my life, working a low-pressure job, and hiking solo through the muddy wilds of Scotland taught me to appreciate real freedom and wealth. From wet tents to canned beans in a bothy, I learned that needing less isn’t a downgrade — it’s an upgrade in disguise.

If you’ve ever felt stuck chasing “more,” this one’s for you.

Have you ever caught yourself spending way more than you used to on basic items—like underwear—and wondered, "How did I get here?" In this episode, I dive into my personal experience with lifestyle inflation, sharing how easy it is to let spending creep upwards as your income grows.

Tune in to discover:

• Simple strategies to recognize and control lifestyle inflation in your own life
• Real-life examples that will make you laugh—and maybe cringe a little!

Whether you're new to managing your finances or have noticed your expenses steadily climbing, this episode is packed with relatable stories and practical advice to help you stay grounded financially.

If you enjoy the episode, please subscribe, leave a rating, and share your thoughts in a review!

In this episode, I share an honest observation that started in an airport queue—with a woman holding a printed chart of gold prices. From airport lounges to village bars, it seems like everyone suddenly has an opinion on gold.

Why does this happen? And what does it really mean when an asset like gold becomes the center of casual conversation?

I explore what it might signal when an investment is on everyone’s lips, the psychology behind herd behavior, and how it contrasts with my own quiet strategy of buying undervalued stocks.

This isn’t financial advice—it’s just one long walk through the noise, and what I’ve been learning as I listen to it all.

In this episode, I share a very honest update about why I’ve decided not to pursue a traditional financial advisor role—for now. From studying for my diploma while working full-time, to realizing some roles don’t align with my values or lifestyle, it’s been a ride. I talk about the pressures, the pivot, and what’s next.

If you've ever doubted your path, or felt like the “right” career wasn’t quite right for you, this one’s for you.

In this week’s One Step Wealthier podcast episode, we explore how overcoming obstacles makes us stronger.

Join me and over 35 million users who love Revolut. Sign up with my link below:

https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-AR

I use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.

https://wise.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s One Step Wealthier podcast episode, we explore how important it is to start your day early for your personal success.

Join me and over 35 million users who love Revolut. Sign up with my link below:

https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-AR

I use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.

https://wise.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

Empower Yourself: Stop Playing the Victim and Take ControIn this episode of the One Step Wealthier podcast, we delve into the importance of empowering yourself by taking control of your life and stopping the cycle of playing the victim. We discuss practical strategies and mindset shifts to help you become the master of your own destiny and create the life and financial success you desire. Join us as we explore ways to cultivate personal responsibility and resilience to reach your full potential.

Join me and over 35 million users who love Revolut. Sign up with my link below:

https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-AR

I use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.

https://wise.com/invite/ihpn/kristinai2

Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5!

https://join.monzo.com/c/kfv4pfm

Thank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance.

I am looking forward to hearing from you. Enjoy the episode!

DISCLAIMER:

The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.