Financial Freedom in 10 Steps

Reviewed by Diario de un Inversor · UpdatedJune 13, 2026

Our review

Sergio Fernández is a Spanish author and trainer with a long background in personal development applied to household economics. «Financial Freedom in 10 Steps» structures the path to financial independence into a ten-stage sequence running from identifying limiting beliefs about money through to building passive income streams. The book belongs to that intersection of mindset and personal finance that Kiyosaki popularized in Spain before the Anglo-Saxon FIRE wave arrived. Its strength is accessibility: the steps are concrete, the language is plain, and the concepts require no prior training. The clearest limitation is superficial investment coverage: Fernández discusses assets and passive income conceptually without addressing the real mechanics of building a portfolio or the Spanish tax treatment of different investment vehicles. A reader who completes the book has clarity of direction but will need additional resources for concrete execution. Published in 2018, the interest-rate environment and return expectations it references differ from the current one, which affects some of the projections cited.

Key takeaways

• Unconscious beliefs about money, formed in childhood, shape adult financial decisions more deeply than most people recognize.
• The distinction between assets and liabilities — in Kiyosaki's sense rather than the accounting one — is a useful frame for evaluating whether a large purchase moves you toward or away from financial freedom.
• Building passive income requires either capital or skills first; no shortcut eliminates that initial accumulation phase.
• Clarity about the desired lifestyle is the starting point for calculating the required capital; without that number, financial planning stays abstract.

Fact

Sergio Fernández is the founder of the Instituto Pensamiento Positivo and the author of several productivity and personal development books published before this title.