Your First Steps To Financial Freedom

Welcome to your first steps to financial freedom!

My name is Marco Carreira and I’m a personal finance coach. I’m specialized in helping people get out of debt and reach financial freedom.


Financial Freedom - Carreira Finance Coaching

What is financial freedom?

There are many financial freedom definitions out there. The problem is that everyone has their own, and a lot of them contradict each other.

For example, here are two popular financial freedom definitions. It means you can buy everything you want (#1). It means you don’t owe any money (#2).

In my opinion, being rich (#1) or being debt-free (#2) doesn’t necessarily mean being financially free.

So what is financial freedom? In my opinion, it means doing the activities you love whenever you want, without relying on an income to pay for your living expenses.


How to reach financial freedom?

Who doesn’t want to live their life without having to work to pay for their expenses? I never met someone who answered, “me” to this question.

However, only a small fraction of people will reach financial freedom. Why? Because of their spending habits and their lack of financial planning.

There are no secrets to reach financial freedom. It takes time, discipline, and control over your money.


What are the steps to financial freedom?

The first steps to financial freedom are not easy to take, but once you have a clear plan, you just need to start. Here are the steps to financial freedom.

  1. Track your expenses
  2. Create a budget
  3. Reduce your expenses
  4. Start an emergency fund
  5. Get out of consumer debt
  6. Tax Planning
  7. Contribute to tax advantage accounts
  8. Invest your savings
  9. Track financial metrics
  1. Find mentors
  2. Review your career path
  3. Create passive income
  4. Track your progress
  5. Get a financial coach
  6. Take care of your family
  7. Take care of your health
  8. Be patient

4 Financial Services To Help You On Your Journey

Financial Freedom Program

Take a look at my financial freedom program if you are ready to make meaningful changes in your life. I do what’s best for my clients’ interests.

Debt-Free Program

Take a look at my debt-free program if you are ready to make meaningful changes in your life. I do what’s best for my clients’ interests.

“Marco was an amazing help! He explained everything very clearly and made sure he understood my personal situation in the best way possible. This was more than I was expecting and he gave me great tips in the end. I couldn’t recommend him more!” — Jannina K

Personal Finance Services

I also offer personal finance services to help my clients reach their financial goals and make more out of their money.


Personal Finance Planner

It can be intimidating to talk about your financial situation to someone you don’t know. If it’s the case, you can take a look at my personal finance planner.

It’s a great way to track your progress every month and make sure you are on track to attain financial freedom.


Get Your Personal Finance Planner - Carreira Finance

Personal Finance Literacy

No matter how much money you already saved or are currently making, learning about personal finance literacy can help you make a better financial decision.

That’s why I write financial articles to educate my readers on spending less, earning more, and investing better.

Follow me on social media or subscribe to my email list to not miss out on new content.

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“Small changes eventually add up to huge results.” — Unknown


A Personal Finance Coach At Your Side

A coach is an expert in a subject that has a track record of helping people achieve their goals. Carreira Finance’s subject of expertise is personal finance.

If you dream about getting out of debt and reaching financial freedom as soon as possible, don’t look any further.

Schedule your free 15-minute call to learn more about the program I’m offering.


Personal Finance Coach vs. Financial Advisor

I am a personal finance coach and not a financial advisor. It’s important to understand the main differences between the two professions to avoid any misunderstands.

What Is A Financial Advisor?

Financial advisors’ focus is to invest and grow your capital. Generally, they make financial decisions for you.

Most of them charge asset-based fees and have a minimum assets requirement. So before going with a financial advisor, you need to make sure that they have your best interest in mind.

What Is A Personal Finance Coach?

Personal finance coaches’ focus is to share their knowledge, help you achieve your goals, and teach you how to make better financial decisions.

They charge a flat fee per session and do not have a minimum assets requirement. They have your best interest in mind at any point in time.