What is *Millionaire Teacher* by Andrew Hallam about?

*Millionaire Teacher* outlines a proven path to financial independence through low-cost index fund investing, frugal living, and avoiding costly financial advisors. Andrew Hallam, a former high school teacher, shares nine rules for building wealth on an average salary, emphasizing simplicity, discipline, and long-term strategies over get-rich-quick schemes.

Who should read *Millionaire Teacher*?

This book is ideal for beginners and intermediate investors seeking actionable advice on wealth-building. It’s particularly valuable for teachers, expatriates, or anyone with a modest income aiming to achieve financial freedom without complex strategies.

Is *Millionaire Teacher* worth reading?

Yes—readers consistently praise its clarity, practicality, and empowering approach. Over 670 Goodreads reviewers highlight its timeless relevance, with many crediting it for transforming their financial habits and retirement planning.

What are the main investing strategies in *Millionaire Teacher*?

Hallam advocates for passive investing in globally diversified index funds, dollar-cost averaging, and minimizing fees. He demonstrates how these strategies outperform most actively managed funds while requiring minimal effort.

How does *Millionaire Teacher* advise handling debt?

The book stresses living below your means, avoiding lifestyle inflation, and prioritizing debt elimination. Hallam’s own journey to becoming a debt-free millionaire on a teacher’s salary serves as a foundational case study.

What does Andrew Hallam say about financial advisors?

Hallam criticizes commission-based advisors for high fees and conflicts of interest. He recommends low-cost robo-advisors or self-directed index fund portfolios to maximize returns.

Does *Millionaire Teacher* address expatriate investing?

Yes—Hallam tailors advice for expats, covering currency risks, tax-efficient strategies, and country-specific retirement plans. His later book, *Millionaire Expat*, expands on these themes.

What are common criticisms of *Millionaire Teacher*?

Some argue its focus on index funds oversimplifies market dynamics. Others note its U.S.-centric examples, though later editions add guidance for Canadian, Australian, and European investors.

Millionaire Teacher Summary

The Nine Rules of Wealth You Should Have Learned in School

Andrew Hallam

4.28(6996 Reviews)

Millionaire Teacher Summary Overview

Discover how a schoolteacher built a million-dollar portfolio on a modest salary. Rated 4.32/5 by finance experts, this global bestseller reveals nine wealth rules schools never taught you - transforming everyday investors into savvy millionaires without Wall Street wizardry.

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Chapter 1

The Millionaire's Secret: Nine Rules of Wealth They Never Taught You in School

When a middle-school English teacher became a millionaire in his 30s without inheriting money or taking excessive risks, people naturally wanted to know his secret. Andrew Hallam's journey from modest beginnings to financial independence wasn't fueled by get-rich-quick schemes or market timing wizardry, but rather by following nine simple rules that should be taught in every school but rarely are. The book has developed a cult following among financial advisors and educators, with many calling it the most accessible financial guide ever written. Warren Buffett reportedly keeps copies to give away, and it's required reading in finance courses at universities including Harvard, Stanford, and the London School of Economics. What makes this book unique is how it distills complex financial concepts into straightforward advice that anyone can follow, regardless of income level or financial background.

Chapter 2

Spending Like a Real Millionaire, Not a Fake One

True wealth isn't about appearing rich with flashy cars and expensive homes funded by debt. Many people who look wealthy are actually living on an umbilical cord of bank loans and credit cards. The average American household carries nearly $7,500 in credit card debt, while 23% of Americans owe more on their mortgages than their homes are worth. Surprisingly, most million-dollar homes aren't owned by millionaires but by non-millionaires with large mortgages, while 90% of actual millionaires live in homes valued under a million dollars. Genuine wealth means having enough investments to generate twice your country's median household income without working. For Americans, this would mean investments capable of producing about $100,000 annually, requiring a portfolio of roughly $2.5 million if following the 4% withdrawal rule. Your spending habits are heavily influenced by your perceptions and comparisons. If you grew up with parents who drove modest vehicles, you're more likely to be satisfied with a reasonable car yourself. This explains why the median price paid for a car by American millionaires is just $31,367, with Toyota being the most popular brand among the wealthy. Even Warren Buffett, one of the world's richest men, only spent $55,000 on his most expensive car ever. When purchasing vehicles, follow the advice of millionaire mechanic Russ Perry: never buy new cars, only purchase vehicles after someone else has absorbed the bulk of depreciation. Target low-mileage Japanese cars in the $3,000-$5,000 range, call dealers by phone to avoid pressure, and focus on desperate sellers or end-of-month quotas. This strategy can sometimes even result in selling the car later for more than you paid. For home purchases, remember this crucial test: if you can't afford mortgage payments at double the current interest rate, you can't truly afford the home. This simple guideline would have protected countless families during the 2008 housing crisis when interest rates rose and homeowners couldn't make payments. Interestingly, studies show that adults receiving financial gifts from parents typically accumulate less wealth than those who don't. The average accountant receiving parental financial help was 43% less wealthy than counterparts who received nothing. The only exception? Teachers and professors actually became wealthier after receiving financial assistance.

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Chapter 3

The Magic of Starting Early and Compound Interest

While traditional math education often focuses on abstract concepts like quadratic equations and calculus, the truly transformative mathematical concept is compound interest-the principle Warren Buffett leveraged to become one of the world's wealthiest individuals. Starting with just $100 growing at 10% annually becomes $161 after 5 years, $673 after 20 years, and an astonishing $1,378,061 after 100 years. This exponential growth occurs because you earn returns not only on your initial investment but also on all previously accumulated returns. The power of early investing is dramatically illustrated through the fictional story of Star, who begins collecting recyclable cans at age five, earning a modest $1.45 daily which her mother wisely invests in the stock market. By age 65, Star's total investment of only $32,400 grows to over $1 million, demonstrating the incredible power of time in the market. Meanwhile, her friend Lucy, who starts investing $800 monthly at age 40, ends up with $237,052 less despite investing nearly eight times more money ($288,000 total). This stark contrast highlights how starting early, even with smaller amounts, can significantly outperform larger investments started later. Three key strategies emerge for successful investing: First, carefully calculate monthly income minus all expenses to determine realistic investment capacity. Second, automate investments by transferring money immediately after receiving payment rather than waiting until month-end when funds might be depleted through discretionary spending. Third, commit to investing at least half of any salary increases while using the remainder for something special-creating a balanced approach to wealth building and life enjoyment. Before embarking on any investment journey, eliminating high-interest credit card debt is absolutely essential. Credit cards charging 18-24% interest annually create a devastating financial drain that makes investing mathematically illogical. Consider this: paying off a credit card with 18% interest is equivalent to earning a guaranteed, tax-free 18% return on investment-far superior to any reasonable expectation from the stock market. Credit card debt elimination should be prioritized as an "investment" in itself. The historical performance of the stock market provides compelling evidence for long-term investing, having averaged 9.96% annually from 1920-2010. This steady growth compounds dramatically over time - $1,000 growing to over $44,600 in 40 years and nearly $2 million in 80 years. This remarkable growth stems from two primary sources: dividends (regular distributions of company profits paid directly to shareholders) and share price appreciation as businesses expand, innovate, and become more profitable over time. Even accounting for inflation, market crashes, and economic cycles, patient investors who maintain a long-term perspective have historically been well rewarded. Understanding and applying these principles early can mean the difference between comfortable retirement and financial struggle. The key is not necessarily having large sums to invest, but rather starting as early as possible with whatever amount is available, maintaining consistency, and allowing the magic of compound interest to work over decades.

Chapter 4

Why Small Fees Create Massive Wealth Differences

Most financial advisers are salespeople who prioritize their own profits over clients' interests by selling actively managed mutual funds rather than recommending superior index funds. Index funds represent entire markets (like buying "the back pages" of the market "book"), and with just three index funds-a home country stock index, an international stock index, and a government bond index-investors can outperform most financial professionals. An impressive lineup of financial heavyweights endorse index investing, including Warren Buffett who recommends index funds for average investors, and multiple Nobel Prize-winning economists. Paul Samuelson called index funds "the most efficient way to diversify," David Kahneman stated beating indexes "just not going to happen," and William Sharpe suggested active managers are "suspending the laws of arithmetic." Actively managed funds underperform index funds over the long term for several reasons. When a market rises 8%, an index fund will earn nearly 8% (minus tiny fees), while active funds collectively earn the same before fees but much less after. Research shows 96% of active funds underperform indexes after accounting for fees, taxes, and survivorship bias. Active funds suffer from five major disadvantages: expense ratios (paying fund managers), 12B1 fees (marketing costs), trading costs (from frequent buying/selling), sales commissions (up to 6%), and tax inefficiency (from frequent trading). Even star-performing funds often collapse over time. The 44 Wall Street Fund went from being the top fund of the 1970s to the worst performer in the 1980s, eventually disappearing through mergers. Similarly, the Lindner Large-Cap Fund beat the S&P 500 for eleven consecutive years before dramatically underperforming and ultimately being merged away. Surprisingly, even legendary fund managers recommend index funds. Peter Lynch, who averaged 29% annual returns with Fidelity Magellan from 1977-1990, admits "the public would be better off in an index fund." Bill Miller, once called "the greatest money manager of our time" by Fortune, recommends index funds for "a significant portion of one's assets." Ted Aronson, who manages $7 billion professionally, invests all his personal taxable money in Vanguard index funds, stating "after tax, active management just can't win."

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Chapter 5

Becoming Your Own Worst Enemy: The Psychology of Investing

Most investors perform worse than the funds they own because they buy high and sell low, driven by fear and greed. While a fund might average 10% annual returns over decades, the average investor in that fund only earns about 7.3% due to this self-sabotaging behavior. This irrational pattern costs investors dearly-over 25 years, the difference between earning 10% versus 7.3% amounts to over $250,000 on a $50,000 investment. Attempting to time the market by jumping in and out is a fool's errand. Even John Bogle, after 50 years in the business, couldn't name anyone who had successfully timed the market consistently. Market movements are largely unpredictable-Jeremy Siegel's research showed that even the biggest historical market moves often had no logical connection to world events. Missing just the best 10 trading days between 1982-2005 would have reduced returns from 10.6% to 8.1% annually. Stock markets are like dogs on leashes-while stock prices may temporarily race ahead of business earnings, they eventually must align with the underlying business performance. Using Coca-Cola as an example, from 1988-1998, the stock price grew by 966% while business earnings only increased 294%, creating an unsustainable situation that eventually corrected. The technology bubble of the late 1990s represented the ultimate disconnect between stock prices and business earnings. Companies without profits saw soaring valuations as analysts encouraged endless buying. Many investors who never sold saw their holdings become nearly worthless, demonstrating the dangerous mix of greed and ignorance during market manias. Smart investors capitalize on market downturns by selling bonds to buy stocks at discount prices. During the 2008-2009 financial crisis, while most investors were selling $228 billion of stock mutual funds, disciplined investors were aggressively buying at 50% discounts. As Warren Buffett noted during the 1974 market drop, he felt like "an oversexed guy in a harem" with so many bargain opportunities available.

Chapter 6

Building a Balanced Portfolio for Long-Term Success

A balanced portfolio needs more than just stock market index funds. Like a healthy diet requires more than just Brussels sprouts, a responsible investment approach requires bonds to provide stability, especially for those approaching retirement. Bonds act as parachutes when stock markets fall, preventing a portfolio from experiencing the full impact of market crashes. Bonds are loans made to governments or corporations, with first-world government bonds being safest. Short-term bonds (1-3 years) are preferable to longer-term bonds (10+ years) to protect against inflation risk. Bond prices fluctuate inversely with interest rates-when rates rise, existing bond prices fall, and vice versa. Bond index funds consistently outperform actively managed bond funds, with government bond indexes averaging 7.1% annually from 2003-2008 versus 3.7-4.9% for actively managed funds. A good rule of thumb is to allocate a percentage of your portfolio to bonds roughly equivalent to your age, with variations depending on risk tolerance. During market crashes, maintain your desired stock/bond allocation by buying stocks with new contributions, and eventually selling bonds to buy more stocks at depressed prices. When markets recover, reverse strategy by buying bonds. This rebalancing approach typically requires attention just once annually unless markets drop by 20% or more. Beyond domestic indexes and bond indexes, add international exposure since the U.S. market represents just 45% of global markets. A total international stock market index provides diversification across developed and emerging economies. Avoid chasing individual foreign markets like China or Brazil, preferring broad international indexes that spread risk across mature and developing economies. Scott Burns' Couch Potato Portfolio offers a brilliantly simple investment strategy: equal allocations to a total stock market index and a total bond market index. Despite its conservative nature with 50% bonds, this approach averaged 10.96% annually from 1986-2001. During market crashes, it provides significant protection-in 2002 when stock funds fell 22.8%, the Couch Potato portfolio dropped just 6.9%. Even during 2008's financial crisis, it fell 20.4% compared to the average U.S. mutual fund's 29.1% decline.

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Chapter 7

Global Index Investing: Success Stories from Around the World

Index funds aren't just for Americans-they've spread globally, allowing investors worldwide to benefit from low-cost, efficient investing. In the United States, Dr. Kris Olson established a simple three-fund portfolio with Vanguard after discovering his actively managed mutual funds were costing him significant money in fees: 35% U.S. Bond Index, 35% Total U.S. Stock Market Index, and 30% Total International Stock Market Index. By spending just 10 minutes annually rebalancing, Kris achieved a 30.7% return between January 2006 and January 2011-outperforming professionally managed balanced funds from major companies despite going through the worst market crash since the Great Depression. In Canada, Keith Wakelin created a four-fund portfolio following MoneySense magazine's "Global Couch Potato Portfolio": 20% International Stock Index, 20% Canadian Stock Index, 20% U.S. Stock Index, and 40% Canadian Bond Index. By rebalancing annually, Keith achieved a 28.5% return from January 2005 to January 2011, outperforming four of Canada's five major bank balanced funds. Canadians can replicate this approach using Toronto Dominion Bank's low-cost e-Series index funds or through exchange-traded index funds via discount brokerages. Singaporeans must beware of costly options masquerading as good deals. A comparison between sisters investing $20,000 for 45 years shows the dramatic difference: one using a 0.97% expense ratio fund ends with $425,381, while the sister using Vanguard's 0.09% ETF accumulates $614,902. Gordon Cyr and Seng Su Lin built a globally diversified portfolio in Singapore using five ETFs through DBS Vickers brokerage: 20% Singapore Bond Index, 20% Singapore Stock Market Index, 20% Canadian Short-Term Bond Index, 20% Canadian Stock Market Index, and 20% World Stock Market Index. In Australia, Neerav Bhatt discovered that Vanguard had established operations but remained relatively unknown because financial advisers-who typically sell high-fee products-weren't promoting them. Vanguard Australia offers Life Strategy Funds with tiered fee structures that decrease as account values grow, charging 0.9% on the first $50,000 and just 0.35% on balances above $100,000-significantly cheaper than the nearly 2% charged by typical Australian bank investment products.

Chapter 8

Recognizing and Resisting Financial Industry Tactics

When confronted with clients interested in index funds, financial advisers deploy an arsenal of sophisticated anti-index arguments designed to steer investors toward actively managed products. They'll claim index funds are dangerous during market downturns, citing selective examples while ignoring comprehensive studies showing that during the 2008 financial crisis, over 80% of active funds still underperformed their benchmark indexes. They argue that index funds offer only "average" returns, deliberately misrepresenting how the mathematics of costs and compound interest work against active management over time. Many advisers will showcase specific funds that have beaten indexes in the past, exploiting hindsight bias while failing to mention that past performance rarely predicts future success. They'll also promote their ability to time the market by tactically moving money between funds, despite decades of research showing that market timing consistently fails to deliver superior returns. Most financial advisers operate primarily as salespeople, with surprisingly minimal investment training-typically just 6-8 weeks of basic coursework to pass licensing exams. Even advisers holding business degrees rarely have deep training in modern portfolio theory or personal investment management, as university business programs focus more on corporate finance and accounting. Their compensation structures often create inherent conflicts of interest, with many earning substantial commissions from selling expensive, actively managed products rather than low-cost index funds. In the hierarchy of financial knowledge and expertise, retail advisers and brokers occupy the bottom rung. At the top sit institutional investment professionals - hedge fund managers, mutual fund managers, and pension fund managers - typically chartered financial analysts (CFAs) with advanced degrees managing massive government and corporate retirement funds. These elite managers have tremendous advantages: dedicated research teams, sophisticated trading systems, and privileged access to company management. Yet despite these resources, studies consistently show fewer than 30% of pension funds outperform a simple portfolio of 60% S&P 500 index and 40% intermediate corporate bonds over 10-year periods. This reality has led many of the largest and most sophisticated pension funds to embrace indexing: Washington state indexes 100% of its stock assets, California 86%, New York 75%, and Connecticut 84%. Even the Norwegian sovereign wealth fund, the world's largest, indexes most of its portfolio. As Jack Meyer, who led Harvard University's massive endowment fund, bluntly stated: "The investment business is a giant scam... Most people think they can find fund managers who can outperform, but most people are wrong. You should simply hold index funds. No doubt about it." This assessment from someone who spent decades at the pinnacle of institutional investing carries particular weight and speaks to the fundamental advantage of low-cost index investing for both individual and institutional investors.

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Chapter 9

Avoiding Investment Seductions and Get-Rich-Quick Schemes

The greatest risk for seasoned investors who understand indexing isn't market volatility or economic downturns, but rather the persistent temptation to experiment with alternative investments promising extraordinary returns. This psychological vulnerability affects even sophisticated investors, as initial success with speculative strategies often breeds dangerous overconfidence and makes one susceptible to financial predators who exploit this weakness. The author transparently shares his personal investment disaster involving Insta-Cash Loans, which promised an enticing 54% annual return. Despite his initial skepticism and background in financial journalism, he not only invested $7,000 of his own money but also convinced his investment club to contribute $25,000. The operation, similar to Bernie Madoff's infamous $65 billion scheme, followed the classic Ponzi structure: early investors received payments funded by new investors' deposits, creating an illusion of legitimacy until the inevitable collapse. This experience illustrates how even financially literate individuals can fall prey to sophisticated frauds when seduced by exceptional returns. Investment newsletters represent another common trap, marketing themselves as sources of exclusive market insights and "hot tips." Comprehensive research spanning 1980-1992 revealed that 94% of investment newsletters failed to survive the period, while a mere 7% managed to outperform market indexes. More recent studies show similar results, with newsletter recommendations typically underperforming the market by 3-5% annually after accounting for trading costs. Despite aggressive marketing claims and cherry-picked success stories, these publications consistently fail to deliver sustainable value. High-yield corporate bonds, commonly known as "junk bonds," present another seductive but dangerous investment vehicle. While their interest rates might range from 8-15% compared to investment-grade bonds offering 3-5%, this premium comes with substantial risk. Companies issuing these bonds typically do so because they're financially distressed and unable to secure conventional financing. Historical data shows that during economic downturns, junk bond default rates can spike to 10-12%, leading investors to lose both their interest payments and principal investment. The 2008 financial crisis saw junk bond investors face losses exceeding 25%. The relationship between economic growth and stock market returns often confounds investors' expectations. William Bernstein's groundbreaking research examining the period 1988-2008 revealed a counterintuitive pattern: slower-growing economies like the United States (2.77% GDP growth) generated superior stock returns (8.8%) compared to rapidly expanding economies like China (9.61% GDP growth), which produced negative returns (-3.31%). This pattern has persisted in subsequent decades, challenging the common assumption that rapid economic growth translates to strong stock market performance. Gold's reputation as a safe long-term investment similarly fails to withstand historical scrutiny. A dollar invested in gold in 1801 would have grown to only $73 by 2011, while the same dollar invested in the U.S. stock market would have exploded to $10.15 million. Even during periods of high inflation or market uncertainty, gold's performance has been inconsistent. After adjusting for inflation, gold has essentially moved sideways for over two centuries, experiencing dramatic short-term swings but delivering minimal real long-term growth. Recent decades have shown similar patterns, with gold primarily serving as a temporary haven during specific crisis periods rather than a reliable long-term investment vehicle.

Chapter 10

The 10% Stock-Picking Solution: If You Must Choose Individual Stocks

For those who can't resist stock picking, limit it to 10% of your portfolio while keeping 90% in index funds. Research shows women outperform men as investors by about one percentage point annually because they trade less frequently, take fewer risks, and have more realistic expectations. Most millionaires don't actively trade stocks but rather buy and hold them like businesses, apartments or land. International studies show that frequent trading reduces returns after taxes and fees, so ignore the "high-flying, seductive rants" from financial media that encourage reactive trading. When selecting individual stocks, focus on businesses with long-term competitive advantages and consistent growth. Using Coca-Cola as an example, the company has shown reliable profit growth since 1985, with earnings per share increasing from 26 cents (1985-1987) to $3.21 (2009-2010). Traditional businesses that can increase prices due to brand loyalty are often better long-term investments than tech companies that must continually innovate and typically face declining product prices. Companies with low or no debt can weather economic storms more effectively than debt-laden businesses. Rather than using debt-to-equity ratios, compare debt to earnings, considering a company "conservatively financed" when its average three-year earnings are higher than or close to its total debt. Business efficiency matters tremendously. A company generating $1 billion in profits from $5 billion in assets (20% return on capital) is superior to one requiring $10 billion in assets (10% return) for the same profit. Look for businesses with consistently high returns on total capital-fewer than 5% of 2,000+ businesses maintained a 15% return over a 10-year period. To find honest management that prioritizes shareholders, look for companies with high insider ownership (10% or more). For companies without high insider ownership, examine executive compensation by comparing it to similar businesses in the same industry-excessive pay may indicate management isn't putting shareholders first. Rather than relying solely on internet research, investigate companies firsthand by speaking with ground-level workers, customers, and competitors. This hands-on "scuttlebutt" approach provides insights you won't find online or from public relations departments. When determining a fair stock price, calculate the earnings yield by dividing the company's average three-year net income by its total market value. Compare this yield to 10-year government bonds-stocks should yield more than bonds to compensate for their higher risk. For slow-growing companies, demand at least 10% more yield than bonds; for rapidly growing firms, slightly more than bond yields might suffice.

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Key Themes in the Millionaire Teacher Summary

index fund investing
frugal living habits
compound interest power
low-cost portfolio management
debt elimination strategies

Best Quotes from the Millionaire Teacher Summary

True wealth isn't about appearing rich with flashy cars.
Credit card debt elimination should be prioritized as an "investment" in itself.
Most financial advisers are salespeople who prioritize their own profits over clients' interests.
Beating indexes is "just not going to happen."

Characters in the Millionaire Teacher Summary

Andrew HallamAuthor and middle-school teacher turned millionaire
Russ PerryMillionaire mechanic who provides vehicle advice
StarFictional character illustrating early investing

About the Author

Andrew Hallam is the bestselling author of Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School. He is a Canadian personal finance authority renowned for empowering middle-income earners and expatriates to build wealth through disciplined saving and low-cost investing.

A former high school teacher at Singapore American School, Hallam transformed his modest salary into a million-dollar portfolio using index funds, a strategy he outlines in his debut book.

His expertise extends to expat finance with follow-up works like The Global Expatriate’s Guide to Investing and Millionaire Expat, which critique high-fee financial products and offer alternatives for international audiences. Hallam’s actionable advice has been featured in Canadian Business and The Globe and Mail, and is bolstered by his blog (andrewhallam.com) and global speaking engagements.

Millionaire Teacher, a perennial personal finance classic, has become a roadmap for educators and frugal investors alike, cementing Hallam’s reputation as a trusted voice in financial literacy.

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BeFreed is fantastic. The user-friendly design means I spend less time navigating and more time learning. The mix of audiobooks, podcasts, and learning plans is a genius combo that has completely changed my daily routine.

@BeFreed user

At the start I needed a while to understand how to create podcasts in italian language and boom! It is so great! I can ask to explain every argument and it does so well and so smartly!

@matteo77

BeFreed has become my daily app for audio books tools... What I like the most is the way you put your text and come with an audio that you can listen on the go.

@kotanzu1

I love the fact that I can get useful, condensed, information and ideas in a 8 - 15 minute podcast style audio. I'm not a general fan of podcasts because of all the fluff, but this cuts through all that.

@BeFreed user

I am finishing up my doctorate, and have to read a lot of unfamiliar material... With BeFreed, you simply enter a prompt, and the app finds source material for you and generates an audio podcast. I find the process in BeFreed to be more streamlined than NotebookLM.

@Brad

I often search YouTube for something to listen to whilst making breakfast, when I'm out walking, commuting, etc, and BeFreed has provided an even more targeted approach, without the adverts and the fluff!

@BeFreed user

The absolute best part about this platform is its versatility. There is literally no subject that is off-topic. It handles whatever you throw at it... It is rare to find an learning tool with zero limitations that actually delivers on its promises.

@jayallen

BeFreed is fantastic. The user-friendly design means I spend less time navigating and more time learning. The mix of audiobooks, podcasts, and learning plans is a genius combo that has completely changed my daily routine.

@BeFreed user

At the start I needed a while to understand how to create podcasts in italian language and boom! It is so great! I can ask to explain every argument and it does so well and so smartly!

@matteo77

BeFreed has become my daily app for audio books tools... What I like the most is the way you put your text and come with an audio that you can listen on the go.

@kotanzu1

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