A millennial who hit 'Coast FIRE' says the first step to financial independence has nothing to do with number-crunching

Andy Hill, a finance coach and a millennial who hit FIRE said there's a step that comes before running the numbers when aiming for financial independence.

Source: [Business Insider](https://www.businessinsider.com/steps-to-achieve-financial-independence-retire-early-coast-fire-2026-6)