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This is Optimal Finance Daily. ABCs of wealth, part one by Vicky Robin with rich and resilient

living.com. In the 2018 update of your money or your life, after years of observing how real people creatively

use the tools to have a high joy to stuff ratio life, I challenge the whole idea of

financial independence or fai. Money is a small part of our wealth portfolio. In the new version,

I distinguished between national currency

and natural currency. National currency is the trading chits in the money system, dollars, financial

markets, debt, etc. Natural currency is the flow of gifts, services, and mutual aid between people and communities

of place or of tribe. It's all the helping hands, all the skills, all the hot dishes, all the

listening ears, all the celebrations and ceremonies, all the rituals and theater, and on and on and

in short, all the good stuff in life. In the FI program,

we build both national currency capital and natural currency wealth to have a happy and free life.

Multiple forms of capital. In permaculture circles, this is known as multiple forms of capital.

To explain this in simple, non-technical language, I spoke about it as the ABCs of wealth,

where the A, B, and C referred to this abundance of natural wealth,

and little S referred to stuff as in possessions and bank accounts.

Whatever nomenclature you want to assign to it, if you prioritize these natural forms of wealth

and capital during your financial accumulation phase, your arrival at financial independence

or phi may come sooner, last longer, and be happier by far.

...