Can you reach financial independence by your 30s if you start early enough? We chat to Lucy and Kieran who are still in their twenties with a house and family but expect to reach Coast FI - where their investments are established and they can work fewer hours to meet their spending - in their early 30s.

They talk about both having a frugal mindset from an early age and meeting up with shared goals of making money fit their lifestyle and not the other way around. We cover how they manage their money and how they explain what they are doing to friends and family.

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In the News section we cover the introduction of SIPPs by the Trading 212 platform and the new platform Prosper which offers a free SIPP and a global tracker fund with no fees.

In the main section we chat to William about looking at FIRE in your 30s. We deal with the challenges of accommodation, balancing pension and ISA investments and dealing with job uncertainty.

Is FIRE easier for younger people with the widespread availability of tools and apps to help you get there? Or do the constant demands on your attention span and tempting offers make it harder?

More information on investment platforms

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This episode is a live Q&A special at our recent FIRE in the Forest event where over 50 members met at Center Parcs in the beautiful surroundings of the English Lake District: people hung out together, went on hikes and enjoyed the facilities while chatting about their FIRE plans.

Our panel included a few members as well as Andy and Mike and we had a wide variety of questions covering topics such as choosing funds, inheritance tax and using partners' allowances. As it was recorded live, the sound quality may be a bit variable.

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