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Financial Independence and the Journey

Can I afford to get a property? Financial Independence

Can Buying a House Help Me? Here’s Some Good Advice.

By Namooki on March 22, 2024April 5, 2024

Full Disclaimer: I have four houses, live in one, rent out three, and plan to acquire more. I can afford it, and it’s worth it.  I was ready to buy my first property the year I met my wife. Owning a property was something I always wanted. However, I had never taken the steps to…

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What's a good business idea? A boring One. Financial Independence

Why Boring Business Ideas Are Better Than Exciting Ones.

By Ibukun on March 14, 2024June 13, 2024

Did I ever tell you of the time I started a food business with my friend? I have tried many things in life, so put some respect on my name! We were two grown men, frying yam, and selling beans, plantain, and pepper sauce alongside it. Oh yes! I was broke! While this may be…

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Can I afford to get married? Financial Independence

Can Getting Married Help Me? Here’s Some Good Advice.

By Namooki on March 7, 2024March 19, 2024

Marriage or Getting Married is an amazing thing. It is one of the highest forms of human relationship between 2 people. Every other family relationship is not chosen. Think about it: you don’t get to choose your father, mother, brothers, sisters, aunts, uncles, cousins, grandparents – you name it. In a marriage, this is the…

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What I wish I knew about money - Financial Independence - Girl educating herself

What I Wish I Knew About Money – Beautiful Retrospect

By Ibukun on February 29, 2024June 12, 2024

I regret a few things, one of which is certain concepts I understood about money. Here is the thing about regret, “once you realize regret is just a thought, then the idea of living without regrets takes on a different meaning”. We are not talking about deep-seated; see a therapist damming regret, are we? No,…

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Going to University? Financial Independence

Can Going To University Help Me? Here’s Some Good Advice.

By Namooki on February 22, 2024September 8, 2024

Let me start by expressing my view: people should only attend university for the right course. Specifically, courses for careers and jobs within regulated industries, which require specific degrees. Some examples include lawyers, doctors, nurses, teachers, architects, engineers, etc. Another way of putting it, if you are going to university, take a degree that opens…

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Remote working - Financial Independence

What’s The Best Way To Get Into Remote Working? Here’s Some Good Advice.

By Ibukun on February 15, 2024March 24, 2024

“If you sit in front of the computer all day, how will you find a wife?”. That, ladies and gentlemen, was my dad’s submission on remote working. His construction of work is waking up in the morning, preparing for work, and returning in the evening. In addition, you get to meet different people during your…

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Spending on my mind - FIRE

How Do You Spend Money? Feels Good, When Done Right!

By Ibukun on February 8, 2024March 24, 2024

How do you spend? whichever way you choose to spend on your FI journey, be sure to enjoy your money from a balanced perspective. Learn more on how to spend your money right.

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Lady sipping coffee, enjoying Financial Freedom

What Is LEAN FIRE? What are the Unique Benefits?

By Namooki on February 1, 2024March 9, 2025

LEAN financial independence relies on individuals covering bare essentials and other mandatory, ongoing cost-of-living. One of the best benefits of LEAN is accessibility, many people aiming for FAT FIRE, achieve LEAN on the way.

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2 people and bicycles talking about FIRE and F

What Is FAT FIRE – Why Should I Want It?

By Namooki on January 25, 2024March 19, 2024

We all know what FIRE is – Financial Independence Retire Early. This blog is focused solely on Financial Independence, which is the ability to live off your resources through income you can self-create. How you want to live is a significant component of determining if you are financially independent; for some, tiny, and for others,…

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2 people asking questions about contracting

Why Start Professional Contracting This Year, And Unique Benefits

By Namooki on January 18, 2024March 19, 2024

What Is Contracting, And How Does It Differ From Perm Jobs Contracting and perm jobs have many similarities; a key difference is your take home (Net) vs what you make (Gross).  There are two main types of contracting jobs: fixed-term contracts and periodic (standard). A periodic contract is an ongoing position renewed every three to…

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Welcome

It's great to have you visit or return to YouonFi. This blog explores the principles, mindsets, and actions necessary for achieving Financial Independence. We aim to empower individuals to lead an authentic FI lifestyle without early retirement.

A bit about me: I'm a regular person in my early forties, married with two children and work in digital. My journey toward Financial Independence began at thirty-three. With a typical background and no extraordinary circumstances, I have made significant progress and am now on track to reach my financial goals in the coming years.


Latest Posts

  • March 27, 2026 by Namooki Wealth Mindset: The Hidden Force Behind Every Good Financial Decision You Will Ever Make
  • March 24, 2026 by Namooki Intentional Spending: Why Deciding Where Your Money Goes Changes Everything
  • March 13, 2026 by Namooki Mortgage Overpayments: The Quiet Wealth-Building Strategy That Could Save You Thousands
  • March 6, 2026 by Namooki Lifestyle Inflation: How Every Pay Rise Could Be Quietly Costing You Your Future
  • November 7, 2025 by Namooki CONTENT - UPDATES: CHANGES TO OLD POSTS

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  • Wealth Mindset: The Hidden Force Behind Every Good Financial Decision You Will Ever Make
  • Intentional Spending: Why Deciding Where Your Money Goes Changes Everything
  • Mortgage Overpayments: The Quiet Wealth-Building Strategy That Could Save You Thousands
  • Lifestyle Inflation: How Every Pay Rise Could Be Quietly Costing You Your Future
  • CONTENT – UPDATES: CHANGES TO OLD POSTS

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