Money, Time & Choice. Join free

A bi-weekly decision brief

More choice.
Not just
more money.

Think through the money, work, and life decisions that shape your freedom—with real numbers, useful research, and a clearer next move.

Written by Johnston Osagie Jr.Former Amazon finance executive. Left full-time work at 31.
Choose the life. Then build the plan.Explore four kinds of freedom

Inside the briefing

Good questions.
Better decisions.

One consequential decision at a time. The research, the numbers, and the tradeoffs—without a daily market weather report.

Browse all issues

Selected issues from the archive.

From the author

Stop Saving Your Life for Later.

The book behind a different way of thinking about money: start with the life you want, then figure out what it takes to make it possible.

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The Freedom Path Planner

Freedom isn’t
one finish line.

You don’t have to fund the rest of your life before money can give you more control over it. Start with the freedom you actually want.

Included free for subscribers

Refuse / A buffer, not a lifetime fortune

The money to say no.

Enough money that one bad boss doesn’t get veto power over your life. Choose how many months you want to cover, without raiding the money set aside for emergencies.

  • Price the time you want to protect.
  • Separate savings you can use from money you’re keeping for emergencies.
  • See what changes could help you reach the target sooner.
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How the numbers fit together

Illustrative example · not your results

A six-month buffer

Monthly spending
$3,000
Monthly income you would keep
− $1,000
Savings needed each month
$2,000
Six months of that gap
$12,000
Emergency cushion kept separate
+ $9,000
Savings to set aside in total$21,000$12,000 for the buffer + $9,000 kept for emergencies.

Simplified example in today’s dollars, with no upfront costs. This is a path explanation, not the planner or a readiness assessment.

The planner uses your own spending, income, savings, and assumptions. Refuse and Change cover a chosen period; Reduce and Leave also model the longer-term plan.

Estimates, not guarantees.
No perfect date promised.

Johnston Osagie Jr.Johnston Osagie Jr. / Writer & creator

A note from Johnston

A financial plan
should make room
for a life.

I spent nine years in finance, including as an Amazon finance executive, before leaving full-time work at 31 and moving abroad. That decision required more than a good investment balance. It required knowing what I wanted the money to do.

My path isn’t a prescription. Money, Time & Choice is where I work through the questions behind decisions like that—so you can build a plan around your own life.

Get a feel for the writing

One useful decision. Every other week.

Give your money
a better assignment.

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