UNCLOCKED - Decoding Financial Independence

About UNCLOCKED - Decoding Financial Independence

In this pod we decode Financial Independence and talk to people on their journey and to those that have already made it. Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves.

Publisher

Max

Category

business

Language

en

Explicit

No

First episode

3 May 2026

Latest episode

10 Oct 2026

Latest episodes

16 episodes in the feed.

1. 

   10 Oct 2026

   EP16_Active Investing and Stock Selection Criteria

   Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it. Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.” In this Episode we cover: The efficient capital markets theory - and why it might not be true How we select individual stocks Criteria to assess a company's strategy Financial Key Performance Indicators (KPIs) to check before investing Potential investment red-flags Stock valuation methods How to invest into stocks that are too expensive

2. 

   26 Sept 2026

   EP15_Right timing along the FIRE journey

   Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it. Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.” In this Episode we cover: Life decisions and prioritisation along the FIRE journey How to make the right choice between work and life experiences Choose to work full-time or use FIRE to reduce work load Intangible investments --> e.g. study to then potentially accelerate on the FIRE journey

3. 

   12 Sept 2026

   EP14_Early Retired!!! First impressions...

   Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it. Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.” In this Episode we cover: First impressions after retiring at the age of 32 Shared impressions from a sabbatical What is going well, what is not going as planned What to do with all the free time How it is changing the investment approach

4. 

   29 Aug 2026

   EP13_AI Impact on Investing

   Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it. Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.” In this Episode we cover: 2 main waves of AI (Digital & Physical) Societal effects Winners and Losers of the transition How passive ETF investments behave Our active investment reactions

5. 

   15 Aug 2026

   EP12_When and How is FIRE feasible for me?

   Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it. Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.” In this Episode we cover: 5 different personas to assess when and how they can call themselves financially independent Discuss which factors primarily impact the time-line for financial independence Highlight the massive effect of interest compounding and how starting today vs. waiting for later can make the big difference!

6. 

   1 Aug 2026

   EP11_First Live Community Q&A on Financial Independence

   Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it. Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.” In this Episode we cover: Investment Set-up How to select the right ETF How to look at individual stocks / shares Several other FIRE related community questions This is a special Episode in Collaboration with Limpression! Find out more about Limpression and their podcast here: https://open.spotify.com/show/033gbhZ4uGxf3XalpzlwvR?si=d0e1b6bdc4ff4923

7. 

   18 Jul 2026

   EP10_Tax Considerations on the FIRE journey

   Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode FinancialIndependence and talk to people on their journey and to those that have alreadymade it. Our aim is to educate, share experiencesand thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder:everything shared here is based on our personal experiences, opinions and forinformational and entertainment purposes only. It’s not meant to be taken astailored financial advice. Investing involves risks. Your money is yourresponsibility, so make sure you do your own due diligence, or seek advice froma licensed financial adviser.” In this Episode we cover: - Different Tax Considerations while saving up towards financial independence - Strategies for tax optimiazation during the financial independence time

8. 

   4 Jul 2026

   EP9_Good and Bad Debt

   Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode FinancialIndependence and talk to people on their journey and to those that have alreadymade it. Our aim is to educate, share experiencesand thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder:everything shared here is based on our personal experiences, opinions and forinformational and entertainment purposes only. It’s not meant to be taken astailored financial advice. Investing involves risks. Your money is yourresponsibility, so make sure you do your own due diligence, or seek advice froma licensed financial adviser.” In this Episode we cover: - the properties of good and bad debt- different forms of debt including: Buy-Now-Pay-Later, Current Account, Credit Cards, Car loans, Mortgages, Margin Loans - Potential positive tax implications of loans - How to use debt to accelerate wealth accumulation

9. 

   20 Jun 2026

   EP8_Governance: Tracking FIRE Progress & Risk KPIs

   Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode Financial Independence and talk to people on their journey and to those that have already made it. Our aim is to educate, share experiencesand thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and for informational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.” In this Episode we cover: - Investment Process (What you control) - Financial Independence Progress KPIs - Risk Management KPIs

10. 

    13 Jun 2026

    EP7_How to manage your expenses

    Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode FinancialIndependence and talk to people on their journey and to those that have alreadymade it. Our aim is to educate, share experiencesand thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder: everything shared here is based on our personal experiences, opinions and forinformational and entertainment purposes only. It’s not meant to be taken as tailored financial advice. Investing involves risks. Your money is your responsibility, so make sure you do your own due diligence, or seek advice from a licensed financial adviser.” In this Episode we cover: - How we manage our expenses - How a household-book can be structured - How to make better buying decisions

11. 

    6 Jun 2026

    EP6_What is Money?

    Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode FinancialIndependence and talk to people on their journey and to those that have alreadymade it. Our aim is to educate, share experiencesand thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder:everything shared here is based on our personal experiences, opinions and forinformational and entertainment purposes only. It’s not meant to be taken astailored financial advice. Investing involves risks. Your money is yourresponsibility, so make sure you do your own due diligence, or seek advice froma licensed financial adviser.” In this Episode we cover: - Different perspectives on money - Exchange of work-time - Storage of value - Productive capital in the form of investment - Cautious spending

12. 

    30 May 2026

    EP5_Passive Income Streams

    Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode FinancialIndependence and talk to people on their journey and to those that have alreadymade it. Our aim is to educate, share experiencesand thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder:everything shared here is based on our personal experiences, opinions and forinformational and entertainment purposes only. It’s not meant to be taken astailored financial advice. Investing involves risks. Your money is yourresponsibility, so make sure you do your own due diligence, or seek advice froma licensed financial adviser.” In this Episode we cover: - Where value is generated and how we can participate in future value creation in an active and passive way - Different passive income streams and their advantages & disadvantages

13. 

    23 May 2026

    EP4_How to get started?

    Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode FinancialIndependence and talk to people on their journey and to those that have alreadymade it. Our aim is to educate, share experiencesand thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder:everything shared here is based on our personal experiences, opinions and forinformational and entertainment purposes only. It’s not meant to be taken astailored financial advice. Investing involves risks. Your money is yourresponsibility, so make sure you do your own due diligence, or seek advice froma licensed financial adviser.” In this Episode we cover: - How we started our jounrey towards financial independence? - What we would recommend you to do - if you want to start your journey? - The basics: What is a broker, what shall I invest in? - Properties, Advantages & Disadvantages of shares and ETF types

14. 

    16 May 2026

    EP3_How much is enough?

    In this episode we discuss one of the most essential questions on Financial Independence: How much is enough? - With which monthly amount would you consider yourself financially independent? - What does it depend on and how can you calculate your own amount? - We explore a top-down (income derived) and bottom-up (expense derived) approach

15. 

    10 May 2026

    EP2_ Types of FIRE

    Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode FinancialIndependence and talk to people on their journey and to those that have alreadymade it. Our aim is to educate, share experiencesand thereby motivate others to consider a FIRE journey for themselves. "Before we start, a quick reminder:everything shared here is based on our personal experiences, opinions and forinformational and entertainment purposes only. It’s not meant to be taken astailored financial advice. Investing involves risks. Your money is yourresponsibility, so make sure you do your own due diligence, or seek advice froma licensed financial adviser.” In EP2_Types of FIRE, we explore the different target states of financial independence. We discuss our own approaches as well as the different advantages and disadvantages of each type.

16. 

    3 May 2026

    EP1_Introduction

    Welcome to UNCLOCKED “Your money. Your rules. Your time.” In this podcast we decode Financial Independence and talk to people on their journey and to those that have alreadymade it. Our aim is to educate, share experiences and thereby motivate others to consider a FIRE journey for themselves. Join your hosts, Phillip & Max when they explore all topics around financial independence and share their experiences from two different angles. In this Episode we cover: - Pod introduction - Host introduction - Our motivation - Why we started with FIRE & where we stand

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