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![Story from Jam Press (Retired Money Tips)
Pictured: As a ‘digital nomad’, Rachel has been given the freedom to travel wherever and whenever she wants, after retiring in her mid-30s.
‘I started saving as a TEENAGER – now I’ve retired in my 30s’: Savvy woman shares secrets to financial freedom and how YOU can do it too
A woman has revealed her top money-saving and investing tips in a bid to achieve financial freedom – and claims they helped her retire before her forties.
Rachel Covert, 37, from Massachusetts, US, is a self-proclaimed “digital nomad” who has been given the freedom to travel wherever she wants, whenever she wants, after retiring in her mid-thirties.
Growing up, she recalls her parents being “frugal” with their cash, where they lived in an old home, drove their cars until they fell apart and relied on home-cooked, low-cost meals.
In 2007, after graduating with a degree in fashion design, she often found herself unemployed due to the recession and while the “small trickle” of income was enough for her to survive, this suddenly changed.
Rachel started to realise time was her “most valuable asset” after being diagnosed with rheumatoid arthritis, and, as a result, she decided to start investing her money in a bid to live her life to the fullest.
“I knew I wouldn’t be able to travel and enjoy my life when I’m older, so this really drove me to make a change,” Rachel, who shares her advice on TikTok, (@rachel_moneytalks), told NeedToKnow.online.
“I still saved and invested where I could in my early years, but not with the aggressive drive I had [later on].
“Immediately upon graduating, my parents told me I need to use my 401k, a workplace retirement plan which invests money in a variety of choices.
“All throughout my 20s, I used my company-sponsored matches and invested for my retirement.
“Initially, my goal was to retire someday, but as time passed, I wanted to opt out of the corporate system](https://www.rtl.de/img/72464/1671383239/c3_4/1200/story-from-jam-press-retired-money-tips-pictured-as-a-digital-nomad-rachel-has-been-given-the-freedom-to-travel-wherever-and-whenever-she-wants-after-retiring-in-her-mid-30s-i-started-saving-as-a-teenager-now-ive-retired-in-my-30s-savvy-woman-shares-secrets-to-financial-freedom-and-how-you-can-do-it-too-a-woman-has-revealed-her-top-money-saving-and-investing-tips-in-a-bid-to-achieve-financial-freedom-and-claims-they-helped-her-retire-before-her-forties-rachel-covert-37-from-massachusetts-us-is-a-self-proclaimed-digital-nomad-who-has-been-given-the-freedom-to-travel-wherever-she-wants-whenever-she-wants-after-retiring-in-her-mid-thirties-growing-up-she-recalls-her-parents-being-frugal-with-their-cash-where-they-lived-in-an-old-home-drove-their-cars-until-they-fell-apart-and-relied-on-home-cooked-low-cost-meals-in-2007-after-graduating-with-a-degree-in-fashion-design-she-often-found-herself-unemployed-due-to-the-recession-and-while-the-small-trickle-of-income-was-enough-for-her-to-survive-this-suddenly-changed-rachel-started-to-realise-time-was-her-most-valuable-asset-after-being-diagnosed-with-rheumatoid-arthritis-and-as-a-result-she-decided-to-start-investing-her-money-in-a-bid-to-live-her-life-to-the-fullest-i-knew-i-wouldnt-be-able-to-travel-and-enjoy-my-life-when-im-older-so-this-really-drove-me-to-make-a-change-rachel-who-shares-her-advice-on-tiktok-rachel_moneytalks-told-needtoknowonline-i-still-saved-and-invested-where-i-could-in-my-early-years-but-not-with-the-aggressive-drive-i-had-later-on-immediately-upon-graduating-my-parents-told-me-i-need-to-use-my-401k-a-workplace-retirement-plan-which-invests-money-in-a-variety-of-choices-all-throughout-my-20s-i-used-my-company-sponsored-matches-and-invested-for-my-retirement-initially-my-goal-was-to-retire-someday-but-as-time-passed-i-wanted-to-opt-out-of-the-corporate-system.webp)