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Financial Foreplay® Podcast
Financial Foreplay® Podcast
Financial Freedom: Do You Have Enough to Retire & To Do The Things That Fulfil You?

We have all experienced the feeling at some point in our lives… the panic that sets in when you see the quote for an unexpected car repair, dental surgery or a broken refrigerator. The first thought that probably came to your mind was “How am I going to pay for that”? 

For some of you, the past 12 months may have resulted in you (or someone in your family) losing a pay check or having a sharp decline in salary, even if it was only for a short period of time. What this experience highlighted is that the overwhelming majority of households and businesses do not have an adequate safety net. In fact most had less than 30 days of cash reserves on hand and a recent study (Northwestern Mutual’s 2018 Planning & Progress Study) revealed that 21% of adults have zero dollars set aside for retirement.

Now, how would your life be different if that unexpected bill didn’t cause fear or panic? What if you could pay the amount without thinking twice, and instead of a major upheaval or emergency, it barely registered on your radar as a tiny hiccup?

That sense of relief and confidence has a name… it’s called financial freedom.

It will look and feel different for everyone but it is so much more than just being able to afford to pay for emergencies. It includes knowing that you don’t have to worry about retirement and it could also mean the freedom to quit your job in order to do something you love, spend time with family or do something that fulfils you.


Gigi McGinnis, a regional VP with Primerica, is our expert guest today. She was raised in Atlanta GA by single parent and this life experience influenced her career choices and values around money in a profound way.

Financial Foreplay® Highlights:

  1. You cannot have financial freedom if you are working 24/7 and have no time for your health or family
  2. 76% of people (even high income earners are in this category) are living paycheque to paycheque
  3. Rule of 72 (banker’s rule) – interest rate/72 = # of years to double your money
    1. if you have $2000 to invest, it will take 24 years to double your money if you can only earn 3% interest.
    2. At 9% interest, it only takes 6 years to double your money
  4. Money doesn’t care where it sits – but you’d better care because the interest rate (and compound interest) makes a huge difference
  5. 85% of people do not have income protection which means if they were unable to work (or died) it is highly likely that assets would have to be liquidated to support the family
  6. Debt stacking is a highly effective tool that can help you accelerate the repayment of your mortgage, which means you drastically reduce the amount of interest that you have to pay
  7. Top 3 tips:
    1. Get adequate income protection now – the more stress you are under, the more you need protection
    2. Complete a detailed financial plan so you know where you are going and how quickly
    3. Save first, then spend what is left over on living expenses etc.

Get in touch:

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Phone – (706) 654 6409

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