It’s Now (And Later): Money Planning for Peregrines | A Most-Played Episode Clip

Money gets emotional fast, especially when you’re living across borders. In this Best Played Moment, Mickelle and Sophie Duong unpack why globally mobile people often delay financial planning (not from laziness, but survival mode), and how that delay quietly reduces freedom later. Sophie, a financial advisor with Devere, reframes money as something that should support your life now and your life later, without the guilt, shame, or sacrifice narrative so many expats carry.

They explore the mindset shift from “what should I do?” to “what do I want?” and why goal-setting matters more than age. Sophie introduces her process: start with your financial independence number, zoom out long-term, then work backward into short-term steps—so you can keep building the lifestyle you love while protecting future choices. The conversation closes with a simple, empowering framework: accumulation vs protection phases, defined by milestones and dependents, not by your passport stamps.

In this episode:

• Why money feels personal (and why we avoid it)

• The “cost of inaction” after years abroad

• “Money moves where you tell it to move”

• How to define your financial independence number

• Why you can build a dream life and still plan ahead

• Accumulation vs protection (it’s milestones, not age)

Explore more at https://www.houseofperegrine.com/podcast/ep-075.

Find Sophie Duong at Devere Group: https://www.devere-group.com/.

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