The COVID-19 pandemic has brought with it a rethinking of the ways in which we work and live. But while more people are now talking about financial independence and their pursuit of it, they are leaving out the planning and intentionality that goes along with the desire. With over a decade of experience in financial services, working for two of the world's largest banks and some of the country's wealthiest families and institutions, Malcolm is certainly considered a Wall Street insider. However, as a millennial business owner on his own financial independence journey, Malcolm also thinks and talks about money like an outsider. This book is essential for first-generation wealth creators who want to achieve financial independence earlier in life than conventional wisdom says they're allowed to. Readers of this book will walk away with a better understanding of what financial independence is and isn't. They will also be empowered to begin their journey toward financial independence with an understanding of the proactive steps necessary to get there.