6 Steps to Financial Freedom and Passive Income Investments

During all my years overseas, I have been amazed at how few people are truly financial independent.  Perhaps I shouldn’t be surprised, after all 98%+ of industries want to convince you to spend money on impressing people you don’t even like.

Instagram and L’oreal, with their famous slogan, are probably two extreme examples of this culture.  This culture leads to overconsumption and unhappy people working in jobs they don’t like.  Even for those who love their jobs, nobody would want to work if their health goes tomorrow.

In the book, just is free on Kindle Unlimited, I detail the steps needed to achieve financial freedom, and speak about the following topics:

  • How the average person can easily become a millionaire or even a multi-millionaire and retire by age 35-55.
  • Equity markets vs gold and property
  • Spending habits and how you can spend less
  • The general academic evidence on finance, spending habits and retirement
  • How you can retire early
  • How much you need for retirement
  • How much you can withdraw every year in retirement
  • Pension transfers
  • Wealth protection.  How much insurance, if any, do you need?
  • Pension transfers for expats living overseas
  • Why the average DIY investor underperforms and what you can do about it.

If implemented properly, this book can save the average person hundreds of thousands in fees, and also build up their wealth over a number of decades.

There is one thing I can’t promise.  It isn’t the most slick book out there, with the best cover.  But that is partly intentional as such sales-orinetated books often disappoint.  It is simple a book that gives fantastic value by looking at the academic evidence in an easy to understand way, and some real life examples, to turn your financial life around.

It also won’t be overly useful for the 2%-3% of the population who have already read the evidence.  I don’t aim to help people who already know the evidence and the answers.  I aim to help the vast majority of people who find personal finance complex and difficult to understand. I make the complex as simple as possible.

Please note I am no longer sending PDFs of the book, unless people can pay  by bank transfer or Western Union (for people in cash based societies, this option isn’t preferred).

The book is already inside the top 30  bestsellers for knowledge capital after just 3-4 weeks (as of June 29) and selling fast!

Below are some consumer reviews:

“Well written. Concise. With lots of informed guidance. You will learn a lot” – Amazon

“I really enjoyed this book. It is great for a beginner or even somebody who knows a reasonable amount about finance, and shows the importance of spending habits, investment strategies and many other things. The author seems to have travelled a lot and met many different people from many countries, which can help me see and explore ways to make money beyond my narrow comfort zone. It also includes some specific useful portfolios you can invest in and make money from. I didn’t notice any substantial grammar errors so I guess the author has updated his book since the first review was made” – Amazon 

“Adam, thanks a lot for writing book, I will be implementing some of the model portfolios in particular” – personal email.

As a aside, longer-term, I aim to start a community and help people beyond the book, especially for people who don’t have the minimum $30,000 to become a client.

So if you found the book useful please write a review online, and tell me about it, as I would love to have a personal relationship with some of you, and I do plan to start seminars and other giveaways (some free seminars and other things) to loyal readers

As the book makes clear, it isn’t just reading the evidence, it is implementing the evidence. If you want to share that journey with me, I am happy to help.

Some extra reading

1. How to become rich investing 

Blog Comments

Tell me more

tell me more please. pls send pdf copy of your book to tlere@yandex.com

Please send me PDF version

I believe you.

How can I get the book?

Thanks Cameron I emailed you

I would appreciate if could provide me a copy at

Thanks in advance

Thanks Darshan I emailed you

Please email report

Hey Adam,

Can I please get a pdf copy of this book?

Thank you,

Hi Vincent yes I just emailed you now

my mail is jayramspatil@gmail.com
excited to revive the copy.

Hi Adam,

Could you kindly send me a PDF copy?

Thanks in advance

I emailed you, it is available on Amazon or informally by PDF.


Can I get this book in PDF format?


Hi Ventaka

Yes you can if you have PayPal or a similar app, it can be done informally between us.


Seems like a good guideline for the present generation, who spends for the heck of it without understanding the value for every cent. Would like to get a pdf copy.

Thanks Nafisa. Yes people don’t think about the indirect costs of overconsumption. The book is either available electronically or by paperback at Amazon (https://www.amazon.com/dp/1983114081/ref=sr_1_1?ie=UTF8&keywords=adam+fayed&qid=1528783989&sr=8-1), or if you have PayPal, we can do it informally. My PayPal is adamfayed2015@outlook.com

please send me pdf, Thanks, linxid615@gmail.com

Hi Will

I have a PayPal as an option. Paying by bank transfer if you have a UK (and maybe Chinese) bank account is another option.


How can I get the book please?

Hi Shiva

Online on Amazon – https://www.amazon.com/Steps-Financial-Freedom-Secrets-Marketers/dp/1983114081/ref=sr_1_9?ie=UTF8&qid=1531118853&sr=8-9&keywords=adam+fayed.

If not, PayPal or bank transfer is only way. Amazon is easiest way.


May I have a pdf copy please? ksu-ne@ya.ru

Hi Oxana

It can be sorted out informally. Do you use PayPal or something similar?


Really helping article seriously. I am 20 years old so i love reading such kind of articles really nice adam 🙂
Ways to make money online
Do check my article too


Pl. Send the pdf of the book

If you have PayPal we can do it informally.

Hi Adam, I do not know how many of you can oblige, but I must commend your effort in putting these golden rules in print. If possible and time permitting, please mail me a copy of your pdf to browse through and sharing with my family of growing members. Thank you in anticipation of your favor whenever convenient.
Mani Thakur ; manithakur1409@gmail.com

Hi Mani as I made clear above I can only send it if it is arranged through bank transfer. Free copies can’t be sent.

Would love this book. Please email monikaidz@Hotmail.com

Hi Monica

Online is the best way to buy.


I may be interested in something like this, would like to get more detail though.

Do I still have to go to the college

does this book make you rich or other too?

If you are long-term and follow the evidence. Many people don’t have the patience to execute strategies

Please email the PDF to shishir_99@yahoo.com

PDF isn’t free

Add a comment

*Please complete all fields correctly

Related Blogs


Gain free access to Adam’s two expat books.

Get more strategies every week on how to be more productive with your finances.