Brian Herriot, a financial advisor and the author of Time Freedom
ALAMEDA, CA, UNITED STATES, August 25, 2026 /EINPresswire.com/ — A typical financial plan offers a straightforward promise: put in the hard work now, and at 65 your time will be yours.
But life rarely waits for that age. Caregiving illustrates the point most sharply. According to the Pew Research Center, roughly one in four American adults is raising a child while simultaneously caring for an aging parent. Care.com’s 2026 survey showed that this dual role typically begins around age 34 and demands about 24 hours per week.
Those are precisely the years when most financial plans treat as the prime period for heavy saving and smart investing, with everything else postponed.
Brian Herriot, a financial advisor and the author of the new book Time Freedom, argues that the order is reversed.
“There’s nothing wrong with saving and investing. The math works,” Herriot said. “It just pays out in your sixties, while the decade that asks the most of you is the one you’re in right now.”
Herriot’s approach, called the Time Freedom Formula™, operates three levers at once: lifestyle expenses, investment income, and flexible work. He contends that most people only pull the first two, which keeps the timeline locked to 65. When work is designed to be flexible, the timeline can move up — often by a lot.
He is clear that this is not a call to quit or to retire as early as possible. Working later in life is often a smart part of a plan, as long as the work is something the person genuinely wants to continue.
“Most people think there’s one lever and it’s building a bigger nest egg,” Herriot said. “There are others. Some of them you can pull this year. The question I ask clients is not whether they can afford to stop working. It’s whether they have any say in how they work.”
Time Freedom: Rethink Your Work and Money to Create a Life You Love Now makes the case that control over your own time can be built earlier in life. The book includes endorsements from Cal Newport, author of Deep Work, and Héctor García, co-author of Ikigai.
Herriot is available for interviews on building the money confidence needed to start working more flexibly, and on growing a lifestyle business that frees up time for what matters most.
Time Freedom will be released on September 15 by Page Two Simplified. More information: timefreedom.life
Brian Herriot is a financial advisor and entrepreneur living in Alameda, California. He hosts “The Time Freedom Podcast.”
Media contact: Kirby Denison, kirby@timefreedom.life
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