--- title: Extreme FIRE Enthusiast Gave Up Trading and Prudence For a Much Better Life [Chills 231 ft Xuan Kai] description: Meet Xuan Kai — physiotherapist by day, YouTuber by night — who once slashed his spending to just $100 a month and quit his job with no backup plan. image: https://www.thefinancialcoconut.com/hubfs/Chills%20%20231.png --- [Skip to content](https://www.thefinancialcoconut.com/blog/chillswithtfc-231#main-content) [![Full_COlour](https://www.thefinancialcoconut.com/hs-fs/hubfs/Full_COlour.png?width=456&height=80&name=Full_COlour.png)](https://www.thefinancialcoconut.com/) - [Retirement Marketspace](https://retirementmarketspace.thefinancialcoconut.com/) - [Events](https://www.thefinancialcoconut.com/events) Show submenu for Events - [For Investors](https://tfcmysterymeetup.com/) - [For Business Owners & Creators](https://ipcreatorunite.peatix.com/) - [For Salaried Workers](https://www.thefinancialcoconut.com/thought-leadership-series) - [TFC Events](https://www.thefinancialcoconut.com/events) - [Shows](https://www.thefinancialcoconut.com/tfc-shows) Show submenu for Shows - [Wise and Shine](https://www.thefinancialcoconut.com/wise-and-shine) - [The Business Show](https://www.thefinancialcoconut.com/tfc-business-show) - [Chills with TFC](https://www.thefinancialcoconut.com/chills-with-tfc) - [Blog](https://www.thefinancialcoconut.com/blog) Show submenu for Blog - [Work Smart](https://www.thefinancialcoconut.com/worksmart) - [Invest](https://www.thefinancialcoconut.com/invest) - [Retire Well](https://www.thefinancialcoconut.com/retire-well) - [Business](https://www.thefinancialcoconut.com/business) Open main navigation Close main navigation - [Retirement Marketspace](https://retirementmarketspace.thefinancialcoconut.com/) - [Events](https://www.thefinancialcoconut.com/events) Show submenu for Events - [For Investors](https://tfcmysterymeetup.com/) - [For Business Owners & Creators](https://ipcreatorunite.peatix.com/) - [For Salaried Workers](https://www.thefinancialcoconut.com/thought-leadership-series) - [TFC Events](https://www.thefinancialcoconut.com/events) - [Shows](https://www.thefinancialcoconut.com/tfc-shows) Show submenu for Shows - [Wise and Shine](https://www.thefinancialcoconut.com/wise-and-shine) - [The Business Show](https://www.thefinancialcoconut.com/tfc-business-show) - [Chills with TFC](https://www.thefinancialcoconut.com/chills-with-tfc) - [Blog](https://www.thefinancialcoconut.com/blog) Show submenu for Blog - [Work Smart](https://www.thefinancialcoconut.com/worksmart) - [Invest](https://www.thefinancialcoconut.com/invest) - [Retire Well](https://www.thefinancialcoconut.com/retire-well) - [Business](https://www.thefinancialcoconut.com/business) - [Contact us](https://www.thefinancialcoconut.com/contact-us) [Contact us](https://www.thefinancialcoconut.com/contact-us) Aug 28, 2025, 8:27:57 AM # Extreme FIRE Enthusiast Gave Up Trading and Prudence For a Much Better Life \[Chills 231 ft Xuan Kai\] ![Picture of The Financial Coconut](https://www.thefinancialcoconut.com/hs-fs/hubfs/Square%20(2)-3.png?width=50&name=Square%20(2)-3.png) [The Financial Coconut](https://www.thefinancialcoconut.com/blog/author/the-financial-coconut) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://www.thefinancialcoconut.com/blog/chillswithtfc-231) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://www.thefinancialcoconut.com/blog/chillswithtfc-231) [envelope icon](mailto:?body=https://www.thefinancialcoconut.com/blog/chillswithtfc-231) [Share this page](https://twitter.com/intent/tweet?url=https://www.thefinancialcoconut.com/blog/chillswithtfc-231) [![Follow The Financial Coconut](https://no-cache.hubspot.com/cta/default/46975693/interactive-182431637553.png)](https://cta-service-cms2.hubspot.com/web-interactives/public/v1/track/redirect?encryptedPayload=AVxigLL2CjCe42iR2RH2MpVX0Ej%2BKJQ%2F3A0Z7pXnUs35To%2Bo6nbKcpBVq9I98X5NUungVEwfs5YCKuM%2FaP97VxIITkTlihT57%2F%2F4XDW9rT3VR4MatSLDi%2BMU5mbQqihfX3LRRz83ij8K19OiD8UXy8sdct4t0Q%3D%3D&webInteractiveContentId=182431637553&portalId=46975693)   What happens when you slash your spending to just a few hundred dollars a month, quit your stable job, and throw yourself into extreme budgeting and risky ventures? Meet Xuan Kai — physiotherapist by day, YouTuber by night — who once slashed his spending to just $100 a month and quit his job with no backup plan. Hear: - What extreme budgeting really costs you - How risky trades and burnout reshaped his outlook - Why his best investment isn’t in the markets at all Raw, unfiltered, and full of lessons you won’t find in a finance textbook. Don’t miss this episode — tune in to hear what Xuan Kai learned the hard way, and how he’s rewriting his relationship with money today. **What We Discuss:** - [03:36](https://www.youtube.com/watch?v=giHkP9FF1UM&t=216s) - Can you walk us through your backstory, your profession and how you got here? - [07:54](https://www.youtube.com/watch?v=giHkP9FF1UM&t=474s) - What do you give up to live frugally and maintain a good quality of life? - [09:07](https://www.youtube.com/watch?v=giHkP9FF1UM&t=547s) - How much capital did you have and what was your strategy to day trade? - [12:09](https://www.youtube.com/watch?v=giHkP9FF1UM&t=729s) - How did you manage the tipping point between emotion and identity? - [13:58](https://www.youtube.com/watch?v=giHkP9FF1UM&t=838s) - How did your ideas and career progress after returning to your job? - [19:50](https://www.youtube.com/watch?v=giHkP9FF1UM&t=1190s) - What’s your thought process behind pushing limits while balancing work? - [24:43](https://www.youtube.com/watch?v=giHkP9FF1UM&t=1483s) - Can you highlight the composition of your current long-term portfolio? - [32:28](https://www.youtube.com/watch?v=giHkP9FF1UM&t=1948s) - Can you walk me through the process of getting your money back? **Episode Resources:** - [Spotify](https://linktw.in/YRxior) - [YouTube](https://linktw.in/oSaRQu) - [Apple podcast](https://linktw.in/ouAscC) New episodes every [Thursday](https://www.thefinancialcoconut.com/blog/tag/chills-with-tfc) Share us your thoughts on this episode and let us know what do you want to hear next. 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